#aktienrebell

[getrichordietrading]

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[martin-jordan]

#5/2021

To say this was a crazy week for the stock market would be a massive understatement. Things went absolute nuts. A flock of Reddit users drove a few meme stocks to unheard highs and pushed hedge funds toward ruin. The financial, business and general interest media are still unpicking what actually happened, and the situation isn’t over yet. After video game retail chain Gamestop went up by 1,700%, the frenzy spilt over to other stocks.

At some point on Wednesday, Nokia’s shares doubled in value. They peaked at $9.79 – a price they had not reached in 10 years.

Right before starting at Nokia, in October 2011, I bought some Nokia shares. In the last few years, they had their ups and downs, and more downs recently. To balance my relative losses, I bought additional shares last autumn but thought about selling them on multiple occasions. The political anti-China sentiment with several Western countries banning Huawei 5G equipment should have benefited Nokia’s network business. But improper management and wrong technology decisions caused significant delays in delivering. Seeing the sudden jump of the share price on Wednesday made me push the button and sell off all Nokia shares with a sweet profit instead of a loss. That has been my first sale in my German portfolio and deviation from my buy-and-hold strategy. The exception proves the rule.

On Friday, the Services Week 2021 announcement blog post finally got published. The post has 16 authors, illustrating how much of a cross-organisation effort it has become since I started it in 2019. Now, we have about a month to do the planning and get content together. For our team, I already wrote 4 session proposal for utilising the event series week for show and tells, workshops and content crits. With a remote-first, location-independent format come challenges and opportunities. But there is a little collective to address them, which should help.

For the post, I took a photograph for the blog post. At some point, I should make a new album on the GDS Flickr account.

On Friday for virtual team lunch, my colleague Ben set up a round of a card game online, Sushi Go. We played via Board Game Arena which lets you play 175 board and card games online. It was such good fun that I returned on Sunday night to play another few rounds remotely with friends in Barcelona. And that was still just the first game.

I finished Sunday with 84.15 kilometres on the clock. That’s 1/12 of my 1000k running goal. I slacked in the first half of the month and played catch-up in the second half, including a few nightly runs in the rain. With longer days and better weather, it will become easier again to get out in the street. Still, the last few years, I only ran 50k in January. So that’s progress.   

Throughout the month, I also did a deep dive into pensions. They work very differently in the UK than in most Western European countries. The state pension is relatively small here, so people rely on their workplace pension programme, property, and additional savings/investments. The size of the second pillar, the workplace pension, differs a lot from industry to industry. As of 2020, employers need to pay a minimum of 3% of the gross salary into their employee’s pension pot. A few industries pay up to 8%, the median seems to be around 4.5% contribution. That’s in the private sector. The Civil Service pension looks a bit different. While salaries are comparably lower in the public sector, pension contributions are significantly higher.

For me, the Cabinet Office puts not 3, 4.5 or 8 but 27.9% of my monthly gross salary into my pension pot. That is a significant difference and increases the value of my total package. It can add up to £15,000 to the overall salary. So whenever I decide moving back into the private sector, calculating the full package value will be an important thing to do.

Favourite podcasts at the moment:

Gimlet’s How to save a planet (solutions to climate change)

Vox’s Worldly (international politics and policies)

Aktienrebell (personal finance and investments)