My (First) Personal Minimalist Portfolio Of Funds

Because I’d rather be parenting than picking between 83 global equity funds.

Once upon a time, I thought “portfolio” was a word reserved for stockbrokers, tech bros, and people who drink wine without screwing the cap back on. Turns out, it’s just a fancy way of saying “Where your money lives while it tries to grow.”

So after staring at way too many fund options (seriously, why are there hundreds?), I settled on a clean, no-drama trio that covers all the basics. Think of it as the IKEA of investing: simple, functional, and Swedish enough to feel cosy.

Let me introduce the gang:

First, a quick recap of their roles:

• Länsförsäkringar Global Indexnära
  This is my global growth engine. Big names. Big spread. Think Apple, Nestlé, and everyone in between. This fund is 100% equities (aka stocks across the world’s biggest companies)
• Avanza Zero
  The local flavour — Sweden’s 30 biggest companies, with zero fees. Can’t argue with that price tag. This fund is also 100% equities.
• Spiltan Räntefond Sverige
  My cushion fund. Less drama, fewer mood swings. Helps soften the blow when markets decide to have a tantrum. This fund is a fixed interest fund, investing in Swedish Corporate Bonds. Bonds = lending money to big Swedish companies who in return will pay you a small amount of interest.

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Distributing The Monies

Depending on your mood, life stage, or horoscope (no judgment), you might pick one of these setups. I have gone for Option 1 and will switch to Option 3 when I can take more risk:

Option 1: Balanced & Beginner-Friendly (60/30/10):

• 60% Länsförsäkringar Global Indexnära
• 30% Avanza Zero
• 10% Spiltan Fixed Income

Good if you’re new-ish to investing and want steady growth without ignoring risk.

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Option 2: More Defensive (50/20/30)

• 50% Länsförsäkringar Global Indexnära
• 20% Avanza Zero
• 30% Spiltan Fixed Income

Ideal if you’re nervous about a market crash or need the money in a few years.

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Option 3: Aggressive Growth (70/25/5): me when I’m more comfortable taking risks in the future

• 70% Länsförsäkringar Global Indexnära
• 25% Avanza Zero
• 5% Spiltan Fixed Income

Great if you can stomach more ups and downs and already have other savings to fall back on.

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A Few Tips From the Field:

• Rebalance once a year (or if one fund goes rogue and drifts too far from its percentage).
• Keep it boring. These funds are low-fee, beginner-friendly, and frankly, a little dull, and that’s a good thing.
• Need the money within 5 years?
  Shift more toward Spiltan. Stocks are great, but not if you’re pulling the money out during a dip.

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Bottom line: Three funds. No headaches. And no need to pretend you enjoy reading fund prospectuses on your phone while rocking a baby with your foot.

Let the money work while you deal with… everything else.