tag:blogger.com,1999:blog-55990175946168373192026-03-13T02:54:52.284-07:00My journey to financial independence - www.niterainbow.comA journey to financial independence from the very beginning. My personal investments are designed to maximize for sleeping well at night, not necessarily scouting for the highest returns. Unknownnoreply@blogger.comBlogger27014tag:blogger.com,1999:blog-5599017594616837319.post-35624051243091734142026-03-05T01:49:00.000-08:002026-03-13T02:54:52.248-07:00February 2026 update ($1,353,669 +$25,338 or +1.9%)<p><span style="font-family: georgia; font-size: small;">↑ Emerging Markets Stock Index Fund is up by $12,959 or +6.2%<br>↑ Eurozone Stock Index Fund is up by $8,408 or +3.5% <br>↑ Global Small Cap is up by $8,217 or +3.9%<br>↑ Growth fund is up by $2,345 or +2.2%<br>↑ Additional investment savings $2,500<br>Total gains: $34,429<br><br>↓ Standard and Poor’s 500 Index Fund is down by $3,818 or -0.7% <br>↓ EUR is down to USD by 0.8% or $3,977 for my portfolio<br>↓ GBP is down to USD by 0.7% or $1,600 for my portfolio<br>Total loses: $9,395<br></span></p><p><span style="font-family: georgia; font-size: small;"></span></p><p><span style="font-family: georgia; font-size: small;"></span></p><p><span style="font-family: georgia; font-size: small;"></span></p><p><span style="font-family: georgia; font-size: small;"></span></p><p><span style="font-family: georgia; font-size: small;"></span></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisjKH4L1KrOT4SkZppPU7OOdTZPzmNjpiDLVFOwojndSv6WUqmJ70JclDXce748j4XetScS5pktwbV2uyme4Ckotr4T8dfn57Kes_TXyfM2UU04HDNy9kVdHJRsiCql24VGaHuF4Yn_xy-xmwsiLN8eENoJbDh-0S2MZm44qBmbKEkVN7tFT5EBWhUeqMc/s3418/0332%2020260228%20post%20%232%20February.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="February 2026 Financial Independence update" border="0" data-original-height="1408" data-original-width="3418" height="264" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisjKH4L1KrOT4SkZppPU7OOdTZPzmNjpiDLVFOwojndSv6WUqmJ70JclDXce748j4XetScS5pktwbV2uyme4Ckotr4T8dfn57Kes_TXyfM2UU04HDNy9kVdHJRsiCql24VGaHuF4Yn_xy-xmwsiLN8eENoJbDh-0S2MZm44qBmbKEkVN7tFT5EBWhUeqMc/w640-h264/0332%2020260228%20post%20%232%20February.png" title="↑ Emerging Markets Stock Index Fund is up by $12,959 or +6.2% ↑ Eurozone Stock Index Fund is up by $8,408 or +3.5% ↑ Global Small Cap is up by $8,217 or +3.9% ↑ Growth fund is up by $2,345 or +2.2% ↑ Additional investment savings $2,500 Total gains: $34,429 ↓ Standard and Poor’s 500 Index Fund is down by $3,818 or -0.7% ↓ EUR is down to USD by 0.8% or $3,977 for my portfolio ↓ GBP is down to USD by 0.7% or $1,600 for my portfolio Total loses: $9,395 Observations: I wouldn’t write about ongoing devasting war in Middle East and long-lasting impact it will have on people lives and inflation. Personally, I was focusing on cash-flow continuity post upcoming redundancy. I have some job offers; there could be few months gap and reduction in salary. However, with my redundancy package I should be able to cover school and uni expenses. The focus is now on the next 10-15 years to get ready for retirement. I can work beyond that time but need to prepare and understand early exit situation. The next 5 years is heavy lifting: Pay off mortgage. Current interest rate of 1.5% will be changed to 5.0%+. This means that interest payments. For 150,000 loan the interest payments will change from 190 a month (2,250 a year) to 625 a month (7,500 a year). This is 5,250 a year hike in payments, mainly due to two ongoing wars and increasing taxation on individuals in the western europe. Private school and preparation for the university. Given recent sleepless nights and worries about stability for the kids next five years are last at school. I also want to complete basic preparations for the university (university fees, accommodation rent and maintenance). I have started doing it in 2020 and need to contributed additional $156K over the next 5 years. This includes graduation presents (bachelor and masters) of $40K combined. Current car is reliable but will be 11-years old this year. If everything goes well, I want to replace it with new one next year. I want to catch one with diesel engine (Mazda CX-60/90 with 3.3L 6 cylinder at 254 Hp). It currently costs $80K as base option in europe (in the USA the prices start at $45K USD for CX-90 with a gasoline engine). Figure 1. Minimum cumulative cash flow over next five year no investments. Among the job offers I have new company which offers to double my retirement contributions (up to $13K). The combined contributions are $40K. I also would like to continue $2,500 a month or $30,000 a year for the private nest egg. Figure.2 Financial independence nest egg forecast over next 8 years. In eight years, I could generate about $5K a month ($60K a year) at 3% return and the house will be paid off. Fun fact: About 85% of all stock trading in the U.S. is now automated. High-frequency trading algorithms now dominate the market, reacting to data and signals within milliseconds." width="640"></a></div><span></span><a href="http://www.niterainbow.com/2026/03/february-2026-update-1353669-25338-or-19.html#more"></a>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5599017594616837319.post-75711124203718536812026-01-31T10:05:00.000-08:002026-01-31T10:05:19.659-08:00January 2026 update ($1,328,281 +$47,727 or +3.7%)<p><span style="font-family: georgia;">↑ Emerging Markets Stock Index Fund is up by $14,293 or +6.5%<br>↑ Eurozone Stock Index Fund is up by $6,532 or +2.5% <br>↑ Standard and Poor’s 500 Index Fund is up by $7,089 or +1.4% <br>↑ Global Small Cap is up by $10,939 or +5.5%<br>↑ Growth fund is up by $236 or +0.2%<br>↑ Additional investment savings $2,500<br>↑ EUR is up to USD by 0.8% or $3,797 for my portfolio<br>↑ GBP is up to USD by 2.2% or $2,341 for my portfolio<br>Total gains: $47,727</span></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhN0YLWYA7H4F54UIPgYnpLR_GWWVxDVOF_L3Ch1MH3nBCtXCHEYfI1cAjEmibxYuPi7FQi6oGF-niZ847iz8iYo0Vsxtj4wTd_k_AsGsFu05x6Fy96bQgS007RGT0EgHnimeece4r1xuCz6l0meJzu2Vul5LgpgiZngqM5ZQIgjAgkx_q54de95yoRlfJo/s2671/0331%2020260131%20post%20%231%20January%202026.PNG" imageanchor="1" style="font-family: georgia; margin-left: 1em; margin-right: 1em;"><img alt="Financial Independence January 2026 update" border="0" data-original-height="1103" data-original-width="2671" height="264" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhN0YLWYA7H4F54UIPgYnpLR_GWWVxDVOF_L3Ch1MH3nBCtXCHEYfI1cAjEmibxYuPi7FQi6oGF-niZ847iz8iYo0Vsxtj4wTd_k_AsGsFu05x6Fy96bQgS007RGT0EgHnimeece4r1xuCz6l0meJzu2Vul5LgpgiZngqM5ZQIgjAgkx_q54de95yoRlfJo/w640-h264/0331%2020260131%20post%20%231%20January%202026.PNG" title="Financial Independence January 2026 update" width="640"></a></div><span style="font-family: georgia;"><span></span></span><a href="http://www.niterainbow.com/2026/01/january-2026-update-1328281-47727-or-37.html#more"></a>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5599017594616837319.post-62934717038029412312026-01-03T11:19:00.000-08:002026-01-19T11:27:53.780-08:00December 2025 update ($1,280,554 +$25,597 or +2.0%)<p><span style="font-family: georgia;">↑ Emerging Markets Stock Index Fund is up by $3,257 or +1.8%<br>↑ Eurozone Stock Index Fund is up by $5,307 or +2.4% <br>↑ Global Small Cap is up by $1,817 or +0.9%<br>↑ Growth fund is up by $297 or +0.3%<br>↑ Additional investment savings $2,500<br>↑ EUR is up to USD by 2.6% or $10,862 for my portfolio<br>↑ GBP is up to USD by 1.5% or $1,557 for my portfolio<br>Total gains: $25,597<br><br></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEby98B1smC96ae0VCdULcwxTy59RNPTQrCn0bns1MDxJwJKQcXKbyvi-hoTF3fF8GdMsnZ-kpSkcx8NaZIrOzwH9-17cWRtoLheL1rxehz1CqPuP9D8tqOOFoQII36mGgYvGFFBMnG5D9OxdkCy7lQUuPahPi5pnIckLt0ccQqzpgSvG9Kb8gCl0DP95Z/s1916/0328%2020251231%20post%20%2313%20December.JPG" style="font-family: georgia; margin-left: 1em; margin-right: 1em;"><img alt="December 2025 Financial Independence nest egg" border="0" data-original-height="800" data-original-width="1916" height="268" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEby98B1smC96ae0VCdULcwxTy59RNPTQrCn0bns1MDxJwJKQcXKbyvi-hoTF3fF8GdMsnZ-kpSkcx8NaZIrOzwH9-17cWRtoLheL1rxehz1CqPuP9D8tqOOFoQII36mGgYvGFFBMnG5D9OxdkCy7lQUuPahPi5pnIckLt0ccQqzpgSvG9Kb8gCl0DP95Z/w640-h268/0328%2020251231%20post%20%2313%20December.JPG" title="December 2025 Financial Independence nest egg" width="640"></a></div><span style="font-family: georgia;"><!--[if gte mso 9]><xml>
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<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span lang="EN-GB" style="font-family: georgia;"><span></span></span></p><a href="http://www.niterainbow.com/2026/01/december-2025-update-1280554-25597-or-20.html#more"></a>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5599017594616837319.post-749461430745208112025-12-02T08:46:00.000-08:002026-01-19T08:48:29.041-08:00November 2025 update ($1,254,956 -$51,259 or -3.9%)<span style="font-family: georgia;">↑ Eurozone Stock Index Fund is up by $146 or +0.1%<br>↑ Global Small Cap is up by $3,825 or +2%<br>↑ GBP is up to USD by 0.8% or $776 for my portfolio<br>↑ Additional investment savings $2,500<br>Total gains: $7,247<br><br>↓ Emerging Markets Stock Index Fund is down by $6,090 or -3.2%<br>↓ US 500 Stock Index Fund is down by $47,819 or -8.4%<br>↓ Growth fund is down by $1,051 or -1.0%<br>↓ EUR is down to USD by 0.9% or $3,546 for my portfolio<br>Total losses: $58,506<br><br></span><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4wCzpWSq0L1khxX2JkPF4hrq5EPBqEmLWdVwUL640OJRftQOmLaJsgWowtn51sQ7zp1dxd_xwGXPh9NlVxowH5v_67hfY1jd-2XzxEB2DJdTFHF1p_nfT63z2ojnJg5K3Ji4l-xHcsjk_dJ4btOnKX7mmyIw8nsB5tf00fRLY7em855FJjraaWd9RZjmS/s1922/0327%2020251130%20post%20%2312%20November.JPG" imageanchor="1" style="font-family: georgia; margin-left: 1em; margin-right: 1em;"><img alt="Financial Independence November 2025" border="0" data-original-height="794" data-original-width="1922" height="264" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4wCzpWSq0L1khxX2JkPF4hrq5EPBqEmLWdVwUL640OJRftQOmLaJsgWowtn51sQ7zp1dxd_xwGXPh9NlVxowH5v_67hfY1jd-2XzxEB2DJdTFHF1p_nfT63z2ojnJg5K3Ji4l-xHcsjk_dJ4btOnKX7mmyIw8nsB5tf00fRLY7em855FJjraaWd9RZjmS/w640-h264/0327%2020251130%20post%20%2312%20November.JPG" title="Financial Independence November 2025" width="640"></a></div><!--[if gte mso 9]><xml>
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<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span lang="EN-GB" style="font-family: georgia;"><span></span></span></p><a href="http://www.niterainbow.com/2025/12/november-2025-update-1254956-51259-or-39.html#more"></a>Unknownnoreply@blogger.com0