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4

What funds should I choose for my tjänstepension?

I've recently had my tjänstepension set up with länsförsäkringar and I now need to look at funds to invest in.

Should I go with mainly index funds? What kind of markets should I go for? I'm assuming these funds can be a medium to high risk given that they will be invested for potentially up to 35-40 years?

10

How to get IT contract work in stockholm?

I've been wondering how to get IT (Front end JS) contract work in stockholm. What's the market like here for a dev with 5 years experience? Are the rates good, and if so how much per day?

Also, how is it working as self employed when it comes to taxes? Does it make a tax return complicated?

0

How shit would it be if I was forced to move to london?

With less than a year to go before brexit and the fact that the negotiations are going so badly i'm doing some research on my options if I have to move back to the UK.

I know the job market is better in london so it would probably be my first choice city if I do have to come home, but what i want to know is :

  • How much would a 1 bed flat cost, somewhere within a reasonable commuting distance to the center?
  • How livable is the city in regards to disposable income, nightlife and general life outside of work? I've only experienced it as a tourist and when visting friends.

Edit Potential salary could be about 40-60k

Edit Potential salary could be about 40-60k

This sounds like a reasonably relaxed choice. But I'm not entirely sure why you would have to move back to the UK based on the Brexit deal.

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Original Poster2 points · 2 months ago

No one is certain on UK citizens rights to live and work in the EU post Brexit. I'm just doing my due diligence

if you good with js frameworks then there isn't really a better job to have in london tbh, startup centre of europe and everyones hiring front end / js devs on large salaries

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Original Poster1 point · 2 months ago

Well I'm actually working as a consultant front end dev rn specializing in JS frameworks so that sounds promising. What's considered a large salary there?

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2

Javascript developer jobs?

Does anyone know what the market is like for javascript developers in Cardiff? Been away from Wales for years and am just curious if there's a market for front end devs in angular or react and what kind of salary they can expect.

I might be able to help there! As I am currently looking to hire 😂

So it (as always) depends on experience, however you can usually look for a ball park between 25-35k on average. Some will pay that little more others a little less, but on average that's what I've noticed.

It will also depend on if you want to work at a start up, or a more established agency/product.

If you want to have a look at some available jobs, feel free to sign up to https://www.digitalprofile.com where there are quite a few roles, and have a search around.

Alternatively feel free to DM me and ask any questions, or reach out on twitter @LordMcDougall

Hope this helps?

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Original Poster1 point · 2 months ago

Thanks!

I'm not currently looking, just curious how well payed JS devs are in Wales compared to my current city (Stockholm). I've seen in some cities on monster (Edinburgh, Manchester, Leeds, London) some devs can be offered up to £60,000.

Det har aldrig någonsin (bortsett från någon enstaka dag) varit mer lönsamt att binda än att ha det rörligt, förutsatt att du kan 'ride the wave' när det är tillfälliga toppar.

LifeProTip: Sätt en procent dit du tror är worst-worst case scenario att räntan går upp till, säg 8%. Betala de 8%en varje månad på ditt bolån; är den faktiskta bolåneräntan bara 1.5% så använder du resterande 6.5% till att amortera. Justera när räntan ändras till mindre/mer amortering. Skulle räntan gå upp till 8% så märker du inte av det alls då du är van att betala så mycket, om inte så har du snart ett avbetalat bostadslån och sover mycket bättre om nätterna.

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Can I ask, Is this opinion shared by many swedes? I personally agree with your thoughts of amortizing a greater amount than the required 1/2/3% so that you're better off in the future if and when interest rates rise, however, i've got the impression swedes are very non-chalent about amortising.

675000 NOK works out as 56250 NOK before tax per month. That's plenty to live off! It's been a while since i've lived in oslo but you wont be broke on that wage at all.

August is still generally OK although it will start to turn a bit colder towards the end of the month

7

Is now a good time to buy an apartment?

I'm nearly at a point where i have the deposit to buy an apartment in stockholm, but i'm reluctant to pull the trigger.

With the possible increase in interest rates and the general election in september i'm wondering whether I should get on the property ladder now or wait until 2019.

What's /r/PrivatEkonomi thoughts on this?

0

How do I access bbc.co.uk from abroad?

Every time i visit bbc.co.uk it automatically forwards me to the .com site. Any ideas? Also any ideas on how to watch bbc channels live online?

Original Poster-2 points · 4 months ago

any suggestions? hola doesn't work for me any more

13

Which nordic capital should I settle in?

So, i'm now getting to the age where I need to decide to settle down or make one last move to experience a new city.

I'm currently working in Stockholm in IT, and i've previously lived in Oslo, but I'm getting a really strong urge to live and work in Copenhagen.

I visited there in the summer and just loved how more layed back the city was compared to STHLM and OSL regarding bars, alcohol laws, restaurants etc.

So where would you settle down? As much as I love Stockholm it definitely has it's issues such as dysfunctional housing market, so-so night life etc. I feel like Sweden as a country has issues as well such as poorest performing education system of the nordic countries, ageing population and vast sums of unintegrated migrants.

I could go back to Oslo but i feel it had the most boring nightlife, worst public transport and tbh I felt the most unsafe there (lots of drug pushers walking the streets around birkelunden, storgata in the nights).

[deleted]
2 points · 8 months ago

Where are you from originally? I think that being near family will trump any minor differences education, public transport etc when you have kids.

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Original Poster2 points · 8 months ago

The UK.

I've often thought about this, and you have a point but I come from a small town where employment opportunities in my field are non existent, and it has it's fair share of socio-economic problems. I'm pretty sure that raising kids back home is a worse choice.

[deleted]
2 points · 8 months ago

Is there a future for Brits in the nordics given brexit? The nordics are all in the EU or EEA and that’s how you were allowed to work there visa free in the first place.

Although Brits in the EU haven’t been subjected to xenophobic attacks here like Nordic people have in the U.K., I doubt it’ll go unnoticed when bilateral deals over migration are being drawn up.

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Original Poster1 point · 8 months ago

Is there a future for Brits in the nordics given brexit?

That's up to the constituent countries to decide the status of UK citizens in their host country post brexit. You're guess is as good as mine

Although Brits in the EU haven’t been subjected to xenophobic attacks here like Nordic people have in the U.K

Source?

I doubt it’ll go unnoticed when bilateral deals over migration are being drawn up.

What are you suggesting?

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Original Poster-1 points · 8 months ago

I'm confused. I thought that the tv app had sections for live sport and live news?

5

What's the news on the new autonomous trains on the red line?

I could have sworn i read they were introducing the new c30 trains this year but i haven't heard any more news about them?

2 points · 9 months ago

Seems the autonomous part won't happen due to budgets. New trains get delivered during 2018 for test.

Edit, More info here http://www.sll.se/verksamhet/kollektivtrafik/aktuella-projekt/Roda-linjen/Nya-tunnelbanetag/

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Original Poster1 point · 9 months ago

Thanks! Didn't know about this site :)

Seems the autonomous part won't happen due to budgets.

If my translations are correct doesn't this page state that it will be activated in 2025 when they put the new barriers up?

15

I have some questions about the Swedish EAS (Emergency Alert System)

So every quarter I hear the public warning sirens being tested but I was wondering : What other ways do the public get alerted?

Are there radio and tv messages broadcast too? What about mobile alerts like this here?

Varför skulle någon vilja sälja till förlust till dig om priserna faller? Effekten kommer ju bli att antalet objekt på marknaden bli nära noll om man räknar bort alla som vägrar sälja under dagens 100 000kr/kvm, och kanske några högprofilerade personliga konkurser där det fortfarande är folk mycket rikare än vad du är som vinner budgivningen.

Fundera snarare på om du kommer ha ett jobb i city värt att pendla till på 15 minuter om kraschen är framme.

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Original Poster9 points · 10 months ago

Varför skulle någon vilja sälja till förlust till dig om priserna faller?

Some people won't have a choice to wait it out for the market to recover. People won't stop expanding their family or stop retiring to quieter areas of the city / countryside so there'll be houses on the market.

...och kanske några högprofilerade personliga konkurser där det fortfarande är folk mycket rikare än vad du är som vinner budgivningen.

That's already the case right now, so I hardly think it would be any worse if a downturn happened.

Situationen var inte alls så där på 90 talet när vi hade en riktig bankkris driven av en lånebubbla. Du tror att folk kommer sätta sig i en situation att ha miljoner i lån utan täckning, för att de "inte har något val". Självklart har man ett val, speciellt om alternativet är att vara i skuld resten av livet. Folk skjuter upp sin konsumtion, de väljer att bo trångt, väntar in bättre ekonomi för att göra affärer.

Du kan inte vara garanterad att få disponera dina egna pengar, då pengar kan låsas för att skydda bankerna. Du kanske kan få hög ränta på pengarna, men se kronans växelkurs sjunka ordentligt när världsmarknaden tappar tron på valutan. De bostäder som såldes billigt på 90-talet var föreningar med enorma lån och väldigt höga månadsavgifter som folk ville ifrån.

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Original Poster7 points · 10 months ago

Not sure i fully understood what you're saying but I got the jist.

So what's gunna happen in the medium term when millennials need a home but can't afford it? I mean I have an ok job but your gloomy outlook seems to suggest even if there is a crash the interest rate will be the new barrier as opposed to the total cost of the apartment?

I'm not from this country and i'm starting to think that making a life for me here in this city is almost impossible

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A drop in housing prices is an effect of a decrease in demand (or increase in supply), not a cause of it.

As for an interest rate hike; it will very likely cause demand to fall, yeah.

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Original Poster6 points · 11 months ago

I'm still confused here.

If interest rates rise you say demand will fall, which may lead to house prices falling, but given the fact that anyone in the market has to have at least 15% deposit the potential buyers are still in a position to by if they have the downpayment right?

I'm assuming it'll be higher earners who then get preference over someone who has say the same deposit but a lower salary?

I mean stockholm could level gamla stan, put up 20 story towers and still not have enough supply to outstrip demand

Goldman Sachs simultaneously commented that Norway was constructing new housing faster than the demographics demand – the opposite of which is true for Sweden.

när man bubblar så bubblar man, och då bubblar man rejält.

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You're right about the second hand contract being the only option. You've set you're max monthly rent very high so you should be able to pick something up but as you're aware, södermalm is very popular and you'd be very lucky to get anything decent there.

For now you could try qasa.se if you're desperate but i had a bad experience with them (rent bill was higher than what was advertised) so be aware if you do use them.

Other than that then you'll need to network to find apartments. Not speaking the language is quite damaging to your ability to find an apartment for longer than 6 months

2

Where and how do you live?

Pretty much settled on living hear long term so i've begun saving for a deposit on an apartment.

I'm curious as to how r/stockholm users live in the city.

How many of you have hyresrätt compared to bostadsrätt? If you have bostadsrätt, how long did it take to save for a deposit? Do you live comfortable in this city or can you see yourself moving further away to escape the high costs. Do you live in the city (Södermalm, Östermalm, Norrmalm, Vasastan, Kungsholmen) or more suburban areas?

My advice is live as cheap as you possibly can and get saving. Maybe even sublet a room..

Renting an apartment is almost impossible, at least a förstahandskontrakt, unless you have been in bostadskön for 12-15+ years. Swedes can't get these who have been in line for many many years.

Andrahand is possible but I always advice against it as it's just not a sustainable way of living.

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Original Poster1 point · 1 year ago

Unfortunately there's no easy way around it. I'm with my SO so we have to live together. I save as much as possible every month but it'll still take me until about 2019 to get a decent enough deposit.

I guess it's one of those things where you have to bite the bullet

1 point · 1 year ago · edited 1 year ago

2019 isn't bad? That's in two years.. if you can rent something cheap until then, then I think that's amazing.

I have friends who have saved up for their deposit for 5-7 (!) years, I saved for 2.5 years and that was back when there was no restrictions on needing 15% of the purchase value.

I do have some pro tips on boosting your savings your savings though - start a stock portfolio and use that to save. Put your money in reliable index shares and you might shave six months off your savings even though we are only taking about 2 years. I think there's no exaggeration in saying that you could raise the value of your money by 6-7% by saving this way.

I use Avanza.

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Original Poster1 point · 1 year ago

Yeh i guess so. I should be happy that I can at least save some money rather than having to spend it all living.

I actually have an avanza account but i've never put any money into an index fund for 2 reasons :

  • I need at least some money in hard cash for unforeseen circumstances
  • I was under the impression that the gains i'd make in an index fund would be negligible given the short period of time i'd be investing (add to that the various fees and risk of any kind of investment)

Most of what I understand has been through /r/privatekonomi though so maybe I should call avanza and speak to some one there and see what their advice is. Hopefully they speak english

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6

What's a reasonable amount to negotiate in regards to a pay rise?

I've been at my current job in web development for a year and I want to now negotiate a better salary and pension. What is reasonable to ask for in this situation? I don't want to be insulting by asking for too much but I also think I deserve to plan a decent future for myself in sweden.

4 points · 1 year ago

Most companies have a sheduled yearly salary discussion - if the company you are at has a collective agreement (which most do, or simply follow the rules anyway), you are entitled to a minimum raise every year. This one is usually very low though, in the range of 1,5-3%.

That said, ask your HR person or your manager if or when there's a yearly salary discussion scheduled. Once there, make sure you are prepared to argue that your work benefit the company in a way that they want to reward you for it. I think my single largest raise has been 6% without a new position/promotion.

Unfortunately, you often make the highest raises switching workplaces in Sweden.

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Original Poster2 points · 1 year ago

I'm not a member of a union so i'm not sure if there are any collective agreements that apply to me, although if it's common practice to give 1.5% - 3% then I'll push for that.

3 points · 1 year ago

Wether or not you are a member does not matter if they are on a collective agreement. Check what the standard raises are in your sector - it could be higher.

If you work in tech/IT, raises are usually higher than other sectors.

Push for more. The worst thing they can do is to say 'no'.

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Original Poster2 points · 1 year ago · edited 1 year ago

From my research i'm considered decently payed as far as wider society concerned but I am on the bottom of the pay scale when it comes to development.

0

advice on helping the homeless in this terrible weather

So everyday I walk past a homeless guy and it's never a nice feeling to see someone in that predicament. I bought him some coffee and a kanelbulle and gave him 20sek but i'm looking at the weather for tonight and it's going to be -10 and -16 tomorrow. Are there any hostels or homeless shelters in the city that I can let him know about? What does the kommun do to help?

2 points · 1 year ago

I don't know too much, but the city's website has some resources. The most relevant it seems is the unit working with homeless EU-citizens, but there's also some more general ones. I'd also tell him to go to Medborgarplatsen/Björns Trädgård at 13:00 on Saturday, there will be some volunteers there handing out food, socks, hygiene articles etc. Their website might have some more info: http://demossthlm.org/

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Original Poster1 point · 1 year ago

Thank you so much :)

If he's Hungarian he probably is an organized beggar lying to you. You might catch him late at night jumping into a car instead. And there are no street wardens, it's his own responsibility to go to the homeless shelter and they will let him stay there even as an EU citizen, even if he's not an EU citizen he will be able to stay there. Of course he will not receive any welfare and such if he is not swedish like in any other country, but he will never have to sleep on the street. Like I said before, Stockholm has no 'real' homeless people, just people ignoring options that already exist for personal reasons. There is always an organization that will house them if they want to.

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Original Poster5 points · 1 year ago · edited 1 year ago

If he's Hungarian he probably is an organized beggar lying to you. You might catch him late at night jumping into a car instead

Let's try to avoid mere speculation here shall we?

it's his own responsibility to go to the homeless shelter

It's not out of the question that he isn't aware of his rights or the existence of these shelters. It's likely he doesn't have a phone to gain access to this information and if you say there are no wardens to engage with homeless people then they'll never know this information.

Have you worked with homeless people or been homeless yourself?

UPDATE

There are volunteers from stadsmissionen who do have a community outreach program according to this link:

https://www.stadsmissionen.se/fa-stod/hemloshet/nattjouren-akut-stod-personer-i-hemloshet

I'll give them a ring and see what they say

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