Annual growth ended up at 12.3% for the AOT (book-entry account) and 12.1% for the company’s AOT. OST (equity savings account) 10.9%. We fell far short of the over 30% returns from the year before last. Investing still seems to be worth it 
. We got beaten badly by the indices, but to paraphrase a famous forum member, you can pay a bit for a nice hobby. Great returns and wonderful portfolios. Hats off especially to the heroes of Kainalniemi, brilliant
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A 13-year CAGR of 5.72% feels poor, but then again, that timeframe certainly includes all kinds of years.
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A decent enough 12-month run that I’ll post a picture now, as you never know if you’ll ever be able to again.
Also a passable CAGR.
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This is what it looks like here. Maybe I’ve gone with slightly poor diversification, but I guess quite a few indices have been left behind.
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There they go, arm-in-arm, side by side.
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Below you can see my learning curve. Today, OMXHGI overtook me in YTD, but as some wise people say, it’s worth looking at long-term returns:
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As a relatively new forum member, it would be interesting to know what pitfall (pitfalls?) the rookie fell into in the year of our Lord 2022, as that gap to the index seems to have widened? 
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These were the stocks I had in August 2021 and these were the ones I moved forward with 
The last 12 months haven’t exactly gone very well either
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This year’s YTD figures, i.e., the January 2026 figures. Approximately 9% total return and about 5% return on portfolio capital. How should I put it—the trading result, that is.
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Portfolio anatomy during the Nordnet era, i.e., from about May 2013 onwards until the end of 2025.
The calculator in the image shows the difference between portfolio deposits and withdrawals, as I calculated each year individually (2013–2025) and added them up. This differs slightly from when I pulled the entire period as a single listing; specifically, there are 6.8K vs. 5K more deposits than withdrawals. I’ve shared completely different figures here before, and they likely differ because I didn’t realize I had to check all the boxes, as there are 2x withdrawals and 2x deposits, plus “withdrawal/deposit”—what a joke??
The final result matches the portfolio value and return quite well, though; there’s a slight discrepancy, but with so many variables, it’s no wonder. The result is decent for my own risk tolerance… over on X, the “panthers” post insane percentages, and the pros, of course, make this kind of return in weeks, whereas it has taken me 11½ years.
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It’s been a strong January rally in the portfolio. Already gained a nice lead over the index.
This equity savings account is a great system; the “compound interest effect” really comes into its own.
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I thought I’d start monitoring more closely how my equity savings account (OST) is performing against my six ETF funds. Let my primary benchmark be Seligson’s OMXH25 ETF.
I’m still quite a beginner, and I rely more on my intuitive whims than an investment plan. So, this might not necessarily be pretty to watch.
JANUARY 2026
PORTFOLIO CHANGES
In the early part of the month, I significantly lightened my position in Tieto because I no longer found it so attractive. I actually sold it all off for a moment but then bought some back a bit cheaper.
I trimmed Atria after reading a headline about the Mercosur deal. Apparently, that was the wrong conclusion, as the stock just kept rising.
Aki Pyysing’s writings were the biggest inspiration for adding to Kojamo. Then came Trump’s tariff threats, to which I reacted by selling Huhtamäki and putting those euros into Kojamo as well.
My flawed ulterior motive was that others would also move their money into assets that are safer regarding tariffs, like Kojamo, leading to a rise in its share price. Well, that went wrong.
So, Kojamo became the largest position in the OST. Not necessarily a bad thing in itself, but the failures here include flawed conclusions, overly large moves, and poor timing. And of course, not doing more of my own research.
Those were the most important changes. Generally speaking, there was too much tinkering in January.
RESULTS
For most of January, I was losing against every one of my index funds. Then Trump’s tariff threats hit, sending the portfolio into the red.
However, there was a recovery at the end of the month. First, SRV picked up a bit, and a couple of days later, the takeover bid for Tecnotree pushed the OST up to second place.
The overwhelming winner in January, however, was iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc), which soared in its own heights all month.
OST: +3.78 %
OMXH25: +1.92 %
(Emerging Markets: +6.96 % !)
Here are the losers and winners among individual stocks:
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Yesterday marked the first anniversary of my portfolio.
The return was 35.3%, outperforming the index. Luckily, Novo only released its results after the day had ended…
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Another year has passed. 2025 went quite well, although in the spring, the whole portfolio’s returns were slightly in the red. However, this was a good time to dig out the last pennies from between the sofa cushions and throw them into the market. The portfolio also crossed the €100,000 milestone at the turn of September and October. Hopefully, we won’t dip below that again.
Looking at the entire investment period, the pace has been quite steady. I’ve taken a beating compared to the benchmark index (OP-World Index A), meaning I could have achieved a better result with less effort.
This year, however, has started relatively well. The next goal is a €200k portfolio and Nordnet PB membership. By maintaining the current savings plan and with 8% returns, the golden Nordnet app logo would be waiting in October 2029.
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