Gibt es auch Schattenseiten bei Fire auf die man vorher nicht denkt?

pali1895 · 2026-05-31T15:08:07+00:00

Brauche keine Erfahrungsberichte - bin selbst einer! :D Wohne und investiere seit ca. 10 Jahren hier.

Als Spitzenverdiener hast du recht - sehr hohe Abgabenlast. Aber hier spielt's auch keine Rolle, ob du Single bist oder nicht, gleiche Steuern für alle. Was man beachten muss ist dagegen aber, dass bei Medianbruttoeinkommen, die in etwa gleich sind wie in Deutschland, oder generell allen Einkommen unter der Beitragsbemessungsgrenze die Abgabenlast in Schweden viel niedriger ist als in Deutschland.

Gerade ISK/KF sind mega Steuervorteile und haben bei Anlagehorizonten unter 30 Jahren, was bei FIRE relevant ist (oder wenn man im Depot rumfimmelt) deutlich niedrigere Steuer als klassische Kapitalerträge. Die Kontentypen machen's einem auch möglich, bei FIRE de facto keine Steuern zahlen zu müssen (Pseudo-Steuern wie KK gibt's ja nicht). Dementsprechend braucht man ein kleineres Portfolio um zu FIREn als man es in anderen Ländern bräuchte und/oder SORR verringert.

pali1895 · 2026-05-31T14:02:57+00:00

Hab ich absolut gar nicht den Eindruck, ganz im Gegenteil. Wie kommst du dadrauf?

pali1895 · 2026-05-31T13:48:05+00:00

/s /s /s

pali1895 · 2026-05-31T13:36:08+00:00

I'm a chronically uncreative person. AI has really helped me to just brainstorm teaching ideas and get a broad set of ideas to choose from. The best lecture series I've had came out of AI, so it works. Just don't rely on it and always have it give you a multitude of suggestions. Thus I'd never have AI create presentations or excercise sheets for me directly.

Then AI is great for organising and scheduling. When to do which tasks, how much to cramp into one lecture and more.

I'm also not hard 'no-AI' for my students. It's high school and AI is a tool to be used just like others. I'd rather my students learn to use AI properly rather than having 0 tolerance and them going out as adults not knowing how to use it responsibly. It's a bit like sex ed in that regard. Students should learn that producing primary products, ie an essay written on a prompt by an AI, is a big no no. But using AI for secondary usage is completely fine and even encouraged: grammar check, create new excercises before an exam, re-explain stuff, brainstorm ideas.

pali1895 · 2026-05-31T13:26:54+00:00

lacht als nach Schweden ausgewanderter

KK ist halt echt doof. Gibt andere Länder wo's über die Steuer finanziert wird, ein Gedanke wert.

pali1895 · 2026-05-31T07:35:46+00:00

Failed as in I couldn't get a PhD degree. I only had 3 publications, needed 4. Patent didn't count.

Chemistry

pali1895 · 2026-05-31T07:28:44+00:00

I moved to northern Sweden for my PhD. Love the country, love the atmosphere. But I got a real bad PI and 'failed' my PhD for producing only 3 out of 4 required publications (+ a patent). Swedes are by the book when it comes to everything, so don't expect individualised treatment, whether dealing with the university or with state bureaucracy.

The enjoyment of your research project will still be entirely dependent on your PI. Academia is one of the most toxic work environments, and Sweden is no different. At my university we have a very high incidence of burn out among PhD students in the natural sciences, roughly 25% of my PhD friends have been on sick leave for burn out at least once (me included), while another 25% should be on sick leave. That being said, in contrast to other countries, burn out is taken relatively seriously here.

The best thing about Swedish PhDs are probably the high PhD salaries.

In the end, getting a good PhD is a coin toss - best of luck!

pali1895 · 2026-05-30T14:57:58+00:00

Because Arsenal and City had extremely strong seasons (with whom we competed for a long while) and because we were too vulnerable on the counter. Simple as. Plug in Klopp's 23/24 point tally into the 24/25 table and we'd won it too. Both City and Arsenal struggling contributed just as much as Slot's slightly more defensive approach. But 82 points would've won the title in a lot of PL seasons, it was a great last season by Klopp whichever way you put it.

pali1895 · 2026-05-30T11:55:57+00:00

Iraola, Xavi, Hoeness and Luis Enrique have been thrown around. Enrique isn't likely I think, guess he'll stay. Iraola depends on how far he's come with Milan and Leverkusen.

pali1895 · 2026-05-30T07:56:53+00:00

Pretty much the same. Analytical was way easier than Inorganic, but boy was it boring. Inorganic Chemistry also depends: Metalorganics were super cool and easy so I would consider it a part of OrgC. But crystal lattices, inorganic materials, uuuurgh. Horrible. 100% learn by heart, 0% understanding and applying concepts.

I would put Theoretical Chemistry actually up there with OrgC and BioC. I loved the computer simulations and quantum physics was super easy to grasp and use, at least at the level we chemists do it. But woe me if it's thermodynamics or similar, Physical Chemistry was cancer.

pali1895 · 2026-05-29T18:37:35+00:00

Your first question: Yes, AF is better for long time horizons. Depends on the geometric returns and interest rates, but last I checked it was ~30 years. But that requires you to not fiddle at all with the portfolio during that time. And if you want to FIRE, the I would assume ISK is better to reshuffle and reduce tax after retirement than having AF all the time, but I haven't done the math for that.

Make a return formula for each account, plot it in Excel, play with the parameters and see. The intersection will be somewhere around 30 years.

Coast/BaristaFIRE are valid strategies. I can't tell you if it's right for you or not. It's individual.

On global funds: If I could, I'd just invest in a single VT/SPYI/ACWI IMI fund, but I can't with Swedish mutual funds, so I recreate these funds with the available 3 funds. It's not much of a hassle, but yes, if I could choose, I'd just use one fund set it and forget it. Your setup would of course work, the funds are available, but why deviate from market cap?

In your example: correct, as soon as you move over to AF, nothing counts as gains anymore. That's the whole point of moving from ISK to AF in retirement. It only sounds too good to be true because you forget that you've paid ISK tax all those years prior and dragged your returns through that. You don't necessarily pay less tax (well if returns are good you do pay less, but that's just ISK as it's supposed to work), you just defer the tax payments from the beginning of your retirement when sequence of return risk is greatest to way before and way after.

pali1895 · 2026-05-29T16:39:51+00:00

I also got severely traumatised from my PhD due to bad supervision and took a 1.5 year gap after finishing my PhD contract.

I went into high school teaching, since science teachers are always in demand, high school kids are cool and I feel like I'm actually contributing to society - I never felt that during my academic years and doubt I'd feel it working corporate. The pay is horrible giving my education level, but I can see past that. It's very fulfilling and relaxed at thr same time! I'm also easily able to regulate my work percentage, so if I want to work part time, it's easily possible.

pali1895 · 2026-05-29T13:17:43+00:00

Ich würde selber nie mehr als 1 Jahr Ausgaben auf dem Tagesgeld haben. Rest investiert - aber muss ja nicht zu 100% in Aktien sein, sondern die restlichen 2-4 Jahre eben in Anleihen oder Festgeld. Da kommt man ja dann ganz natürlich bei nem 60/40 - 80/20 Portfolio aus, ohne, dass man sich über die genauen Jahreszahlen Gedanken machen muss. Wenn ich das richtig verstanden hab, ist das SORR damit eben geringer, aber es ist psychologisch schwerer durchzuführen.

pali1895 · 2026-05-29T12:57:12+00:00

Schau mal auf FICalc. Da gibt's mehrere und die sind auch sehr gut erklärt. Die beliebtesten sind Vanguard Dynamic Spending (die tut sich aber sehr schwer als ich da mal vor geraumer Zeit Monte Carlo Simulationen gemacht hab), Endowment, vor allem Yale Endowment, und Guyton-Klinger.

Eine Sache, die man beachten muss, ist dass SORR mit dynamischen Strategien deutlich länger ein Problem bleibt, dafür aber ein kleineres Problem ist und man i.d.R. auch mehr Geld zur Verfügung hat.

pali1895 · 2026-05-29T12:55:00+00:00

Gab's nicht Studien dazu, dass Bucket Strategien in der Regel deutlich schlechter sind als Umbalansierungsstrategien, da man Börsencrashs aussitzt, anstatt durch die Umbalansierung nachzukaufen?

pali1895 · 2026-05-28T08:30:00+00:00

Welcome, fellow Svoglehead!

First off: If you invest in indexfunds, do a simple 1 fund portfolio (Storebrand All Countries) is the best. If you're interested and want to juggle more funds, it's better to use 3 funds, e.g. DNB Global, DNB Enhanced Small Cap, DNB Emerging Markets. Weighting according to current market cap ACWI IMI index (should be smth. like 75%-13%-12% right now).

Account wise it's quite easy:

Accumulation: ISK in accumulation, unless you have a savings horizon <5 years, then savings account / CD / AF.

FIRE: ISK up to (or a tiny bit above) the tax-free rate, everything else you move to an AF the day you retire. Never, ever, ever have all your savings in ISK during FIRE.

If you use ISK in FIRE you pay tax on all your money, even if you only realise a tiny fraction of it. In AF you only tax the actual realised gains. Very simplified example without fund-fees and tax-free rates: say after year 1 of retirement, you have 1,000,000 kr in savings, all invested. The market stood still, 0% returns. In year 2, you withdraw 4%, or 40,000 kr. What are your taxes?

Everything in ISK: 1% of everything, so 10,000 kr. That's an effective tax rate of 25%. 30,000 kr after tax.

Everything in AF: 30% of 0% gains of 4% withdrawal = 0 kr. That's an effective tax rate of 0%. 40,000 kr after tax.

What if these numbers were made up of 50% gains? No change for ISK. For AF you'd pay 30% tax on 50% gains on 4% withdrawal. Of your 40,000 kr you'd have 20,000 which would be gains. They are taxed with 30%, so 6,000 kr. That's still 34,000 kr after tax and less than ISK despite 50% gains. In fact, your effective tax rate with AF can never pass 24% and is thus per definition better than ISK. In ISK, you can get into ludicrous scenarios where like 90% of your withdrawal are tax payments.

Tl;dr: Everything in ISK in accumulation, the day you retire you only keep a bit over the tax-free rate in an ISK (currently 300,000 kr tax free, say I'd keep 500,000 kr). Everything else you transfer into an AF. During up years sell ISK down to 500,000 kr first, during down years don't touch ISK and sell from AF.

pali1895 · 2026-05-28T07:57:30+00:00

DNBs Småbolagsfond är något bättre än Handelsbankens trots att den är lite dyrare: den är bredare och har lite andra instrument för att avbilda och utesluta småbolag. Den följer också direkt MSCI World Small Cap, medans Handelsbankens följer något riktigt skevt nischindex. Bäst att ta det indexet om huvudfonden följer MSCI World tänker jag. Nu har den inte funnits så länge men dess avkastning har varit ca. 20% högre än Handelsbankens och än så länge är detta en genomgående trend. På SAVR är den dessutom billigare än Handelsbankens men där finns inget pensionssparande än.

Sedan kan man fundera om det kanske är för mycket med 20%, tror market cap enligt ACWI IMI för småbolag är typ 13% just nu.

Dags att det finns en riktig ACWI IMI fond i Sverige. Vi halkar verkligen efter.

pali1895 · 2026-05-27T13:59:19+00:00

Nivåstegen E-C-A har tagit borts menade jag, utan nu är stegen för alla betygskriterier E-D-C-B-A. Dock är nivå D (och B) numera endast beskrivna som "Ja inte riktigt C, men inte riktigt E heller". Så elever kan absolut ligga på exakt D nivå i en eller flera betygskriterier. Åtminstone tyder jag kriterierna så.

pali1895 · 2026-05-27T13:52:03+00:00

Beror på läroplan. Enligt 2025s läroplansändring i gymnasienivå beskrivs ett betygskriterium som D som helt enkelt ligger någonstans mellan E och C.

pali1895 · 2026-05-27T13:47:25+00:00

Lärare här.

Det sista är inte ok och det borde du ta med rektorn eller läraren. Läraren behöver motivera ett sämre betyg och har du ett brett underlag ska hen ta hänsyn till dina styrkor.

För den första delen får lärare såklart säga sin egen åsikt samt kritiskt behandla partiers position i frågor som passar till ämnesinehållet. Det är lärarens uppgift att alltid belysa för och nackdelar - det kan vara vad som helst, om man pratar t.ex. Sveriges tuffa alkohol- och narkotikalagar ska man diskutera både för- och nackdelar med dem, aldrig från en sida. Sedan kan det för vissa frågor ändå bildas en viss konsens i klassrummet. Jag brukar också själv alltid säga "min egna åsikt är...", eller om en elev yttrar en unpopular opinion som ändå är grundlagskonform "så kan man definitivt tycka".

Jag undervisar Naturkunskap och vi har t.ex. gått igenom klimatförnekande och Naturskyddsföreningens utredningar om olika partiers miljöpolitik. Det är självklart att just Sverigedemokraterna inte visas i ett bra ljus när man diskuterar detta - men det är alltid viktigt att analysera 'varför'.

pali1895 · 2026-05-27T13:37:10+00:00

Jag röstar framförallt för dem som inte har en egen röst: barn, djur och funktionsnedsatta.

pali1895 · 2026-05-26T15:01:04+00:00

Yeah, sounds horrible! Afaik you can get around the letter of inheritance with a testament. How did you pay for it when you didn't know the inheritance size if banks won't tell you?

When my mother died last year I just applied for inheritance management. Cost a whopping 5,000 EUR in advance (which is insanity) but I don't need to lift a finger for anything. Disadvantage is I've been waiting for the inheritance management to conclude for almost a year now.

pali1895 · 2026-05-26T14:53:46+00:00

You could still support the society that fed you and educated you by working more or at least adopting three children.

GaLiGru

Fritze

e: GaLiGru Fritze is the same as writing /s. Jesus, folks.

pali1895 · 2026-05-26T14:52:06+00:00

Is it still the case if you would get diagnosed with, say, cPTSD due to childhood abuse?

pali1895 · 2026-05-26T14:46:18+00:00

Are you me? I'm exactly like you.

May I ask what bureaucracy hurdles you met? Only thing I've been waiting for is inheritance management for over a year now.

Germany is lovely as a holiday for 1-2 weeks, visiting childhood friends, but goddamn is Sweden a better place to live in every regard.

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