Made it 100k

Investanker · 2025-02-07T06:59:44.043736Z

A lot has happened in the last two years - savings performance and value development. I'm totally happy that I've now cracked the 100k mark. The biggest item in total is the S&P 500, then the $VWRL. Gold and Bitcoin also play a role. 5% is earmarked for cash/security-oriented stabilization. Next goal is 100k alone in $VWRL and then expansion of $CSPX . With the latter, the cost ratio, volume and return are just right. Possibly Amunbo again at some point. Have you done anything differently from 100k or what new goals have you set?

getused@getused

2Wk

Top 👍 I'm currently at 42k... in 2 years it should be the same for me 🙏

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investment_guru_1426@investment_guru_1426

1Wk

@getused My goal for 2028

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Giuse@Coyote980

1Wk

@getused strong...I'm still miles away from that at 44.
However, everything is planned ☝🏽😅.
Goal 1 is to sell the WHG in max. two years.
Then invest the money, let it grow for a few years, far away from Europe at 55 at the latest 😉😂
Don't want to stay here until 65, work and then die.
My primary goal is to be free, get up and not go to work.
I don't know if the timetable will work 😂
But you never get far without setting goals.

So set yourself a goal and go for it...👍🏽💪🏽
Good luck 🍀

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value_Stonemason@value_Stonemason

1Wk

@getused... Target 2029, possibly also 2032 depending on the situation and market development

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getused@getused

1Wk

@Coyote980 Good luck 🍀 would also have liked to have started at 18, now 30 😅🤷 how do you feel about $BTC?

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Giuse@Coyote980

1Wk

Uff..at 18 I was still miles away from that 😅...
Bitcoin?you're asking exactly the right person 😅
I have to honestly admit, I thought they were all crazy 😅...yes, of course, the elites will fall with computer money, that was my assessment. Well, I was wrong 😃
I now regularly put something aside. Around 10%, sometimes more, sometimes less. If it works out, I have a bonus for old age, if not, it didn't hurt 😅... as I said, I don't want/need to become a millionaire, just free.
I'm a bit of a "conspiracy theorist" and still don't trust the whole thing 😅.

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getused@getused

1Wk

@Coyote980 yes, I don't begrudge the "young ones" who can already start with a small hurdle at 18 today. It wasn't as easy for me as it is today 😅 I've recently jumped on the $BTC train because it's the first time I've really got to grips with it and I no longer see it as a speculative asset 🚀

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Giuse@Coyote980

1Wk

@getused I agree, I even admire them for having such a head on their shoulders so early on.
I have no regrets, I've seen a lot, experienced a lot. You shouldn't forget that at a young age either. Saving money doesn't make you happy either 😉

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Investanker@opportunity_seeker_138

1Wk

@getused fun fact: my professor introduced me to the topic back then. At the time, he told me about a new broker called Flatex, with which it should be possible to trade for flat rates - much cheaper than with the cooperatives. Sure, you would probably need around 100k, but then "dayteading" would be possible 😁

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getused@getused

1Wk

@opportunity_seeker_138 I am a hodler not a day trader 🤷‍♂️ my BTC will be sold incrementally at 10 million at the earliest, if at all

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Dominik@finanzwolf3

1Wk

@getused really good! 👍 What savings rate or savings ratio do you have?

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View all 5 further answers

Christoph@ChrisBizz

1Wk

I'm very close to 100k and hope to get there before my 50th birthday 😃 That would be a real, profound milestone for me personally.

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Andi@AnBor209

1Wk

@ChrisBizz I'm about to turn 59 and am happy to have 58k. I'm so pleased that many younger people are doing it just right and investing. Financial management should be taught at school! And not such useless knowledge.

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Investanker@opportunity_seeker_138

1Wk

@AnBor209 That's a great amount too! May I ask about your asset allocation?

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Andi@AnBor209

1Wk

@opportunity_seeker_138 https://getqu.in/aABlJL/

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Andi@AnBor209

1Wk

@opportunity_seeker_138 I used to own a lot more different ETFs and shares. Crypto too... That was too much effort for me... especially the tax declaration for cryptos. Meanwhile, I'm positioned with $EXI2 and $BRK.B with a pretty good return. However, I've already taken a good 20% out of the portfolio. Otherwise I'd already be at 75k. But you still want to experience something :-) When it comes to $EXI2, I believe that the 50 most profitable companies in the portfolio are enough for me. And the good Warren Buffet is simply better than any ETF, as it doesn't require fees such as TER and has almost the same profitability as the $EXI2. That's quite enough for my needs.

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Giuse@Coyote980

1Wk

Comment was deleted

Andi@AnBor209

1Wk

Comment was deleted

Giuse@Coyote980

1Wk

@AnBor209 😂😂😂I'm wondering the same thing? How did that get there?

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Andi@AnBor209

1Wk

@Coyote980 That must have been a so-called flash bulb

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Global Investor@gloinvest

1Wk

Looking back, 100,000 and 500,000 was more emotionally impactful than the million. As already mentioned, you have to get used to the fact that intrinsic growth overtakes savings rates at some point. I haven't changed anything.

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Trader_01@Gerald_A

1Wk

@RIR119 that means reducing the savings rate ?

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Global Investor@gloinvest

1Wk

@Gerald_A Yes, if you have achieved your goal in perspective, it makes more sense to live better with the money. But it's not easy for me. At some point, regular purchases become an end in themselves and an addiction.

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Trader_01@Gerald_A

1Wk

@RIR119 I think the truth lies in the middle...and it depends on the age

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Steffen@Maveric2005

1Wk

Just like with us. 100k and 500k were real milestones. With the million, it was somehow just a longer number.

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Hendrik@hendrik_lmr

2Wk

Here's to the next 100k! 🍾

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GeldGenie@GeldGenie

2Wk

"The first 100k are the hardest." - Congratulations!

I haven't changed anything. It's just that the progress with the savings rate vs. the existing investment feels "ridiculous." ^^

Good luck for the future! 👍

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MTownHotline@MTownHotline

1Wk

Congratulations, I'm currently at around 80k. I hope to make it to 100k this year. But it will probably be the year after next.

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Investanker@opportunity_seeker_138

1Wk

@MTownHotline Why so pessimistic?

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MTownHotline@MTownHotline

1Wk

@opportunity_seeker_138 I would say rather realistic. Nevertheless, I will work towards this goal. I just realized I need to correct my comment. I meant next year. Not the year after next

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Dani@Dani5020

3D

@MTownHotline sometimes goes faster than you think :) in May 2024 I was at 70k and thought I wouldn't make my goal of 100k by June 2025. But I was already at 100k in January.

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Marcel@justportfolio

2Wk

58k getting there as wel!

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Epi@Epi

2Wk

At 100k, you can start to ask yourself: Where should the journey actually go? What is the goal?

From this goal, you can then start to think about sensible strategy diversification. Hardly anyone does this, but it reduces dependence on stock market cycles.

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Investanker@opportunity_seeker_138

2Wk

@Epi Have you diversified your strategy? To be honest, I'm thinking more about reallocating the ratio of risk-oriented and low-risk capital.

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Investanker@opportunity_seeker_138

2Wk

In any case, my aim is to have the option of making a substantial repayment of the remaining debt when the loan for the EFH matures.

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Epi@Epi

2Wk

@opportunity_seeker_138 Yes, I run four uncorrelated strategies: GTAA, Spytips, B&H Gold, equities. Brings calm and performance to the overall portfolio. It's good when the pile is bigger and there's a family behind it.

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Tobias@TaubeSmash

1Wk

Congratulations! What is the idea behind expanding S&P 500 after the 100k in FTSE?

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Investanker@opportunity_seeker_138

1Wk

@TaubeSmash The idea is that the basis is then in place and the topping can be more volatile and, above all, more profitable.

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Tobias@TaubeSmash

1Wk

@opportunity_seeker_138 I understand, but find the risk/return profile too similar to the FTSE. Do you think the NASDAQ 100 would be the most suitable option?

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Investanker@opportunity_seeker_138

1Wk

@TaubeSmash Is there actually a good source for a direct comparison for exactly this query? Amumbo would probably not be an option?

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Marcel@justportfolio

1Wk

Sold txn bought black stone lending bxsl

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Xander13@Xander13

1Wk

If the "intrinsic" growth of the portfolio exceeds the increase through externally injected capital, either the portfolio must be very large or the savings rates must be very low...

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Investanker@opportunity_seeker_138

1Wk

@Xander13 There should be no connection 🤔

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AlexDividendenBuilder@AlexDividendenBuilder

1Wk

I'm on the journey too If I had known about it 20 years ago. it started at the end of 2023. Motivation puur. like climbing a mountain. I'm also ready 2-3 years ago, invested in speed, full throttle. Go like hell. All in. Zero consumption. Fixed costs rest all in. No alternatives. If you don't invest, it's your own fault when the whining starts.

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The W.@thewolfofallstreetz

1Wk

@AlexDividendenBuilder Awesome, step on the gas!

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Jura@Sae

1Wk

Congratulations, I wish I could say this sentence soon too

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Manpreet@savvy_investor_wbnne

1Wk

Thanks! 100€ ok

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DEEPfuckingBTC@DEEPfuckingBTC

2Wk

Gratuliere 🍾🥂

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investorTR@InvestorTR

2Wk

Great Milestone!📈

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Thoranos@Thoranos

1Wk

Congratulations! Keep up the good work

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Toni M.@INOT

1Wk

🍾🚀

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Jonatan@jonatan

1Wk

Really cool! Congrats! Could you share time spent, annual performance and max dropdown? this graph looks ridiculous 🔥

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Benee@Ekeemoz

1Wk

Congrats, how long did it take you?

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Investanker@opportunity_seeker_138

1Wk

@Ekeemoz approx 2 years.

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Benee@Ekeemoz

1Wk

@opportunity_seeker_138 Well, I guess you went full gas 😅
Congrats

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Elijah98@Elijah98

1Wk

I have almost the same strategy but i have a bunch of stocks that are in the s&p 500 to push higher dividends besides bitcoin and eth

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JA@Mediopeso25

1Wk

Congratulations! Welcome to the club

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$ J.@1000000

1Wk

Glückwunsch!

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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽@frugalfreisein

1Wk

Congratulations!

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Evcharista 🇨.@Evcharista

1Wk

Nothing changed for me either when I had the 100/m. At least I now have some experience and can take fluctuations in my stride ...

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Tobi@Tobiwankenobi500

1Wk

Glückwunsch!

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capital_sherpa_814@capital_sherpa_814

1Wk

Hope to get there soon brother. Good Job.

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Felix@Shareholder

1Wk

Wow congratulations! I'm still at 20,000 at 21, but as a student I'm also taking small steps along the way - maybe in the new decade :D Do you have any tips and recommendations on what you've had to painfully learn through the years and would pass on to your younger self (or in your case even junior ;) )?

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The W.@thewolfofallstreetz

1Wk

@Shareholder With this wealth at 21Y, you are probably more than 95% ahead of your age group - and you have time on your side.

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The W.@thewolfofallstreetz

1Wk

Congratulations, keep going!

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Kalle@Brazzo_Muc

1Wk

Congratulations! The first 100k are the most important, then everything goes faster.
Haven't adjusted anything after 100k or 200k. The savings rate depends on my current situation. Overall, I'm trying to focus more on my ETFs and only buy individual stocks.

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Made it! 100k 😃