Rebalance and Invest in 2011

Finally I have the opportunity to say "Happy New Year" to all my readers may this year bring the Millions we are waiting for, of course there is no easy way, during 2010 I experienced multiple ideas to make One million euros in less than 5 years and so far it is more than working, I experienced interesting surprises during 2010, I welcomed a baby girl named Katariina, got a new job, got a new house, increased my assets, met new and interesting people, diversified and increased the portfollio I manage, got new advertisement deals and I was able to work and collaborate with Investors and entrepeneurs that I admired in the past, and all this in a way happened just because of you My Readers.

So a new year has come 2011 a year to cash out and keep Investing, but before we do that let's have a look at my favourite positions and their respective profit during 2011 just in the Helsinki Stock Exchange all my International positions could be tracked on my previous posts with amazing results.

I will just show an example of 4 of my stock picks and their performance during 2010, Why would you like to put money into your 35th -best idea right?

1) M REAL B

Offers paperboards as well as office and other papers for consumer packaging, communications and advertising end-uses.

Has 13 production units in five European countries and about 4,700 employees.M-real is part of the Metsäliitto Group, one of the largest forest industry groups in the world, and is listed on the NASDAQ OMX Helsinki Ltd. This share increased 88.46% during 2010, and it will be a major player of my portfollio during 2011.

2) OKMETIC

Okmetic is the world’s leading supplier of silicon wafers for MEMS manufacturing. Crystal growth technology is at the very core of Okmetic’s expertise. It provides the foundation also for highly doped, low-resistivity wafers that enable extremely high performing power semiconductors. This share increased 75.40% during 2010, a must have.

3) RAISIO VAIHTO

Raisio Oyj, known internationally as Raisio Group is a company that makes cereal products, potato products, animal feeds and engage in life-sciences. Raisio produces benecol a ingredient used in a range of Cholesterol-reducing spreads, products and condiments marketed under its Benecol brand name, this share has increased 77.27% during the last two years.


4) PANOSTAJA Oyj PNA

Panostaja is a financially secure Finnish multi-field corporation that creates healthy companies Their goal is to elevate their investments in different fields from 5 to 10 years. I had the pleassure to meet one of his financial advisors and he gave me the trust and confidence to keep Investing with them, this share increased 41.75% during the last five years.

As you can see the average profit of this concentrated portfolio is 70.72 % and follows the basic rule of investing don´t lose money, so let´s assume you invested 10,000€ on these three stocks with a return of 70.72% you would have 17,720€ a perfect time to cash out some profit and rebalance.

Rebalancing is the process of bringing one’s portfolio back into proper asset allocation if you can do it yourself, or the time to change to a new money manager if you are not happy with the one you have.

During the year, the mixture of stocks,bonds mutual funds, and cash has likely shifted. Stock and bond values go up and down all the time. Your portfolio mix may be out of whack.

For example, you may have started the year with 60% of your money in stocks and stock funds and 30% in bonds and 10% in cash. The stock portion of your portfolio may have grown larger than your initial allocation percentage. Now you may have 80% of your money in stocks and 20% in bonds. You will want to trim your stock exposure back to its normal level.

the dynamics of your portfolio have to change. Every year, your stock percentage should go down 1 percentage point and your fixed income securities should go up one percent. Every year that you get closer to retirement, the more conservative that your portfolio should become.

If you handle your own portfolio, then you will want to shift your assets from the portfolio portion that has become too top heavy. For example, reduce your position in a stock or stock fund that has gained significantly during the year take the initial Investement and reinvest the profit a win win situation.

Add these proceeds to the portion of your portfolio that is lagging. For example, let’s say own an aggressive small cap fund and a moderate large cap fund. If the aggressive small cap fund has significantly outperformed the large cap fund then you may want to trim your position. Make sure that your portfolio fits in line with your risk tolerance. A lot of people thought they were risk takers until the market crash of 2008 caused their portfolios to crash 50 to 60%.

A good strategy to take is to sell off funds that have become big and bloated. Maybe you are overly invested in domestic markets and need more international exposure Finland is a great option send me a line or two. Look for funds that may have underachieved the last year or so that may be due for a breakout. Yesterday’s market losers may be tomorrow’s winners and yesterday’s winners may be tomorrow’s losers.

remember to rebalance every single year many people never rebalance their portfolios and do not find out that they are overly concentrated in one area until it’s too late, the ones who rebalance are the ones that keep winning. You can pick the time of year that work’s best for you. I prefer to rebalance my portfolio at the beginning of the year. This way I can sell off positions that I want to get out of and start the year off fresh. It also allows me to take any necessary tax losses to offset gains on my portfolio.



There are so many interesting topics to Invest during 2011, I will have a close look to currencies now that I´m constantly evolving in that field specially Asian currecies (JPY,CNY,HKD,SGD) Also AUD and let's not put aside the precious GOLD that drives people crazy just have a look at it's interesting performance during the past year:


So there are endless opportunities to acomplish the objective of one Million Euros in less than 5 years let's make it happen during 2011, eager to hear your comments and ideas don´t hesitate to contact me, have a great start of the year!

Millions at stake with WikiLeaks and Julian Assange

With major positive changes in my life in the search of 5 Million Euros and just recently moved into a new home, I feel confident with the white winter snow falling in Helsinki, important changes are taking place, Europe's top central banker Jean-Claude Trichet tried to calm the financial markets after another turbulent day when the borrowing costs of several major economies remained at unsustainably high levels.

Amid signs that the contagion from Ireland's debt crisis was spreading to some of the biggest economies in the 16 nation eurozone, the premium demanded by investors to hold Spanish, Italian and Belgian government bonds compared with German bonds touched record levels.

French, Portuguese and Irish bonds were also caught up in the rout. However, Europe's political leadership remains adamant that the currency can survive and Jean-Claude Trichet, the European Central Bank president, waded into the argument by calling for more, not less, harmonisation within the eurozone as the way out of trouble.

Then we see the political game between North and South Korea we have to remember that the main engine for any economy is war, and then the reason of my writing today
and to distract us a bit we have the interesting case of WikiLeaks founder Julian Assange the leader of an organization devoted to divulging the world’s secrets using technology unimagined a generation ago.

Over the last year his information insurgency has dumped 76,000 secret Afghan war documents and another trove of 392,000 files from the Iraq war into the public domain–the largest classified military security breaches in history.

Sunday, WikiLeaks made the first of 250,000 classified U.S. State Department cables public,the cables, which date from 1966 up until the end of February this year, contain confidential communications between 274 embassies in countries throughout the world and the State Department in Washington DC. 15,652 of the cables are classified Secret.

Offering an unprecedented view of how America’s top diplomats view enemies and friends alike: And many of them make some pretty harsh–and blunt–comments on various world leaders. Zimbabwe dictator Robert Mugabe? Deeply ignorant on economic issues. Libyan President Muammar al-Qaddafi? “Just strange.” Silvio Berlusconi? “Feckless, vain, and ineffective as a modern European leader, physically and politically weak" whose "frequent late nights and penchant for partying hard mean he does not get sufficient rest" The WikiLeaks dump reveals that Qaddafi apparently gets botox injections. But perhaps the meanest words were reserved for Kim Jong-Il, who was called a “flabby old chap,” by a diplomat’s source.The Pentagon and State Department leaks are just the start.


On November 11, Assange said that he’s still sitting on a trove of secret documents, about half of which relate to the private sector. And WikiLeaks’ next target will be a major American bank. “It will give a true and representative insight into how banks behave at the executive level in a way that will stimulate investigations and reforms, I presume,” he said, adding: “For this, there’s only one similar example. It’s like the Enron emails.”

Julian Assange, since enraging governments the world over and facing rape charges in Sweden, has been searching for a nation that will offer him asylum. Now his website is seeking refuge, too–from the largest cyberattack it’s ever faced. Some portion of Wikileaks’ servers are at the “Pionen” White Mountains data center owned by Swedish broadband provider Bahnhof, as first reported by Norwegian news site VG Nett. That data center store's Wikileaks’ data 30 meters below ground inside a Cold-War-era nuclear bunker carved out of a large rock hill in downtown Stockholm. The server farm has a single entrance and is outfitted by half-meter thick metal doors and backup generators pulled from German submarines have a look...




the company’s data center is “a kind of metaphor” for Bahnhof’s commitment to resist any sort of intrusion, physical or legal. “We’re proud to have clients like these,” he says. “The Internet should be an open source for freedom of speech, and the role of an ISP is to be a neutral technological tool of access, not an instrument for collecting information from customers.”

A WikiLeaks source who asked not to be named says that half of WikiLeaks servers have gone offline under a two-day flood of fraudulent traffic, what’s commonly known as a denial of service attack. WikiLeaks is actively searching for new hosts for its Web servers, ideally offered free-of-charge by volunteers, according to the source. The source also said that the attack was the largest in the whistleblower site’s history, and the first to “actually cause harm” to WikiLeaks, although none of the site’s private data has been compromised.

It seems that Julian Assange will have to be on the run for a while he has declared a verbal retaliation to many influential politicians, I agree on the freedom of speech but not in such a degree in which you will have to hide for a living.

This week keep it safe as the strong players in the stock market will stay the same or move down a point or two, send me an e mail and keep in touch...

Now I really have to say this is getting out of hands, Julian Assange appeared in court in London just hours after he emerged from a month in hiding and surrendered to police.

Filmmaker Ken Loach, Jemima Khan, and campaigning journalist John Pilger each offered to put up part of his bail but a judge in London refused, saying a court would review the situation at a hearing on December 14th.

Online supporters of whistleblowing website Wikileaks are fighting back after news of Julian Assange’s arrest hit the wires.

Immediately afterwards online activists known as “Anonymous” have initiated what they called Operation:Payback, a call to action to bring down the websites of companies that have publicly removed services once used by the Wikileaks website.

Anoymous has already targeted the Swiss bank PostFinance, a bank that froze all payments to the controversial website, after it promised to take down PayPal, the online payment company that cancelled Wikileaks’ account that it used to solicit donations.

Its current target? Mastercard. The website is currently down for a large number of users after a DDOS attack.

All of the groups actions have been publicly posted to the Anon_Operation Twitter account; the Paypal attack was posted to Twitter on December 6, the PostFinace attack was declared 17 hours ago and just hours ago it was confirmed by the group that Mastercard had been taken offline as a result of its online assault.

Anonymous is a collection of online activists formed from popular online message boards, attacks are not for profit but are in most cases to demonstrate a show of force to promote unfair practises or highlight sensitive political issues.



The three attacks here could just be the start of an uncomfortable battle about technology and Political issues, we all know the power of INTERNET my only concern at this moment is that since now the use and control of the WWW will be more regulated, I hope not. Anyway the leaks are still comming now with one that really raises concern:

An extensive blog post untangling an alarming story from the state department cables: "another horrific taxpayer-funded sex scandal for DynCorp,

I finally plea for the use of knowledege for a good cause that is really what matters, keep in touch...

Wikileaks given data on Swiss bank accounts: