Thanks for the support GandK, I appreciate it!
Disclaimer: I barely know some of the financial terms in Finnish, so bear with me on my english.
Let's get into my savings so far. This my current setup:
ETF: BRIC, EAFE, S&P small cap value.
Stocks: Stocks from a Finnish company, and from employee shareholder program from work.
Gold: Physical gold
Fund company: A Finnish company that has great funds for two reasons: a)They reinvest dividends, so you don't have to pay any taxes until you take out your money. b)The have low costs on the funds. The ones I have money in have 0,6% and 0.33% p.a., and no markup fees.
House savings account: A deal supported my the state and the bank which makes it easier to get mortgage with reasonable interest rates. (I have never figured out why mortgage includes a t in the spelling) They also give a 5% percent bonus on money on the account when you buy a house/apartment.
The portfolio is based on trying to achieve a good dispersion to minimize risks.
What got me interested in investing first was some story about gold in the newspaper. So I went out and bought some physical gold last winter (With ridiculous spread btw. :( )
After that I read a Finnish book about investing that pretty much said: The worst thing you can do is having money laying around on your bank account. It also gave me a little basics on investing, and dispersion(I hope it's the right term) and such, and said that if you don't know what your doing invest in ETF:s and low cost funds. So that's what I've been doing.
I now realize it's maybe time to learn a little bit more about investing, to do things better in the future. So here's what I need to do:
-Check up on PP that many of you talk about.
-Check the annual costs of the ETF:s I own(also usual dividend %s)
-Think about switching the ETF:s for some dividend paying stocks in the future.
-Read up on the of the house savings account, is the 5% annually?, etc(and maybe ditch the whole thing for now)
Now, I have to get back to SGU ;)