2D·

From 11k to 50k in 2.5 years - my plan, what do you think?

I recently started my training as a civil servant and receive €1,400 net. I also receive a half-orphan's pension of €540. As I hardly have any fixed costs (only fuel, food and MMA training), I end up with almost all of my income left over to invest.

🧭 My plan: I have a savings plan for €1,400 on the 2nd of every month. I'm also thinking about putting €200 a month into derivatives - not as my main investment, but as "play money" to take any profits and then shift them into ETFs or BTCs.

Current portfolio & strategy (approx. €11,400):

Core S&P 500 ETF ( 30%)

$CSPX (-3.86%) (target 30% of the portfolio)

→ This is my core component in the portfolio. I deliberately only want to hold approx. 30% core because I'm prepared to take more risk as I get older.

Bitcoin
$BTC (-0.17%) (also target 30%)

→ I still need to buy more, but it should have the same weighting as my core.

Nu Holdings
$NU (-3.45%) 10%

→ I see this as a future stock with a lot of potential.

PayPal $PYPL (-9.04%) 10%

→ I plan to use it as a turnaround investment. However, no further savings plan, as I want to wait and see how the value develops.

Ondas Holdings
$ONDS (-12.99%) 5-10%

→ I would describe this as my momentum share - the plan here is to cash in when profits are good.

Kaspa (crypto) $KAS (-7.54%) 5%

→ Fun project, but also with a long-term perspective.

Canopy Growth $WEED (-16.71%)

→ I think I will hold in the medium term.

🚀Target:

In 2.5 years (I'll be 21 then) I'd like to crack the €50,000 mark.

In purely mathematical terms:

Starting capital: € 11,400
Monthly income: €1,940 (€1,400 + 540)
Fixed costs: approx. 400 €
Investment amount: € 1,600 per month (€ 1,400 savings plan + € 200 derivatives)
In 30 months: € 48,000 deposits + starting capital → € 59,400 (without return).

So with a little return, the €50k target should be absolutely realistic. 🚀

What do you think about my setup?

👉 Which 2 additional stocks would you recommend for the savings plan (besides S&P500 & BTC)?

👉 How do you see the €200 in derivatives as a "play money" strategy?

51 Comments

Get rid of Paypal, that's a shame

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Wiktor_06@Wiktor_06

@Iwamoto I believe in the turnaround🚀🫡

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Chris@Multibagger

@Iwamoto Really? I wanted to get in too. I've already picked out a nice certificate 😉

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Sina@lawinvest

@Iwamoto I'm right there with Kate ;)
@Multibagger for trades of course something else

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Chris@Multibagger

@lawinvest then it fits, shouldn't be my first buy&hold forever share😉
But you women always have to stick together 😂

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Kate🦋@Iwamoto

@Multibagger what Sina says 😌

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Hannes@FadeAway

@Iwamoto wow, very sporty goal! I like it.

I've held Paypal for a long time and was always disappointed that the share price fell again after the quarterly figures 🥵. I hope the turnaround works this time.

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Kate🦋@Iwamoto

@FadeAway So you're holding out and hoping. Then I wish you luck. But remember that opportunity costs are real and losses can be partially offset against tax.

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Hannes@FadeAway

So Paypal is trying to realign itself with the new Ads tool, paypal stablecoin etc. And hope that the big investors with a bit of imagination will send the share price soaring.

I don't have any opportunity costs because I still have money available to invest. The uninvested money is my opportunity cost 😥.

Do you have any exciting shares at the moment @Iwamoto?

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Shem_sen@Shem_sen

@Iwamoto I've been long with 5s for a week .... until now things are looking good🤪

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Kate🦋@Iwamoto

@Shem_sen that's different and please share beforehand next time. 🤪

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View all 4 further answers

Stephan K.@StrahlemannLP

Keep going and keep at it. And remember to build up a cash reserve. Don't pump your entire income into the market: life will hit you hard and take a big hit when you don't expect it. Having €10,000 or €20,000 in an overnight deposit is worth its weight in gold.

Edit: And don't forget to live. From my own experience: If you're lying in a hospital bed gasping and don't know whether you'll be able to perform and stay healthy for the next 14 days, the last thing you'll think is "Thank God, the deposit is full!", but rather "What haven't I done in my life?".

At your age it's hard to imagine, I thought the same thing back then, even though I was more concerned with building up a standard of living.

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Wiktor_06@Wiktor_06

@StrahlemannLP Thank you for your answer. I would like to break through the €50,000 barrier first, because there will be additional costs such as furnishings etc. after my training.

I will possibly save up a buffer of €2000.

Thank you for your messages on almost every post of mine.

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Stephan K.@StrahlemannLP

@Wiktor_06 Don't be mad at me, I wasn't aware of that :-D If you throw good and intelligent questions into my feed, I'll gladly take the time to give you a good and (hopefully, in my opinion) well-founded answer.

In this respect: You're welcome!

Eidiweil: Don't get ripped off when it comes to furnishing your home. Before you buy technology, learn how to cook, for example, then you'll realize that good and durable (!!) cookware doesn't have to be expensive. Neither does good furniture (IKEA! Yes! If you like the style, choose what you like and pay attention to the quality of workmanship, which often goes hand in hand with the price at IKEA) or even vacuum cleaners. Workshop vacuum cleaners, for example, are not particularly sexy, but they do the job.

For example, you need good tools in your own cabin: hammer drill, cordless screwdriver, a tool set. Everything else is optional and should be of high quality (are you asking my opinion? Nothing beats the diversity of Makita).

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Wiktor_06@Wiktor_06

@StrahlemannLP It's really nice to get such tips from you. Because you didn't have such a good financial past.

Thank you for the good and clever answers.

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Metis@Metis

Isn't the point of a core... to be the biggest part?

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Wiktor_06@Wiktor_06

@Metis Maybe, but I see it together with Bitcoin. So for me, the core is Bitcoin and the ETF.

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Metis@Metis

@Wiktor_06 But that's not what you have in your list, hence the question. 😅

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Wiktor_06@Wiktor_06

@Metis Aso then my mistake, sorry 🫡

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Epi@Epi

How about an SP500/ BTC/gold core and rules-based momentum trading as a turbo?

Bottomfishing or conviction trades are then no longer necessary, but in the long term you make so much more from your capital.

Otherwise, remember that at your age, education brings the best returns. If you learn something proper, you'll easily earn 60k in a year.

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Kate🦋@Iwamoto

@Epi What do you think of silver or would that be too much commodity exposure and correlation to gold?

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Epi@Epi

@Iwamoto Silver is complicated. Industrial and precious metal. By-product at most mines, i.e. unelastic supply. Often goes with gold, but not always. If silver is strategically held in a portfolio at all, then as part of the gold core, 80/20 or so. But I wouldn't necessarily recommend it.
Of course, you can gamble on anything. 🤷

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Wiktor_06@Wiktor_06

@Epi Poah, that really might be a good idea. I'll think about it

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Klein-Anleger1@Klein-Anleger1

Sounds exciting, you don't have such a dissimilar profile to me 😅👋 But that's definitely the way to go!

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Wiktor_06@Wiktor_06

@Klein-Anleger1 Thank you for the message. Just have the Getquin Community Portfolio😂

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The W.@thewolfofallstreetz

I think it's great that you're already thinking about wealth accumulation at such an early stage. However, if I were you, I would also make every effort to increase your income, e.g. through further training/studies, entrepreneurship, etc.

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Wiktor_06@Wiktor_06

@thewolfofallstreetz Thank you, I am trying to move up to the higher civil service after 5-6 years (600-800€ more per month).

Which promises me better money in the long term.

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Schmon@SchmonInvest

I have had very bad experiences with $WEED, so I would advise against it.

I wish you every success with your project 💪🏽

... don't just think about investing, but also about life 🎉🥂🍻 You can invest for the rest of your life!

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Wiktor_06@Wiktor_06

@SchmonInvest Thank you for the message. But the pressure to crack the first €50,000 is already great.

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Schmon@SchmonInvest

@Wiktor_06 At your age, I was far from even thinking about saving or investing, so hats off to you!

At 18 you don't need to put any pressure on yourself, the 50k will come sooner than you think.
Most people start much later than you, so you're already further ahead than 90% of today's 18-year-olds just by thinking about it. So sit back, pursue your goals and don't look at your portfolio so often. Let savings plans run their course and don't trade too many stocks and cryptocurrencies - I know it's difficult but back and forth empties your pockets 🤓

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Wiktor_06@Wiktor_06

@SchmonInvest Thanks hahaha, it's true about the crypto and FOMO ( on getquin quite hard for me not to buy everything that's in the feed)😂

But thanks for the answers

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Chris@Chris-1989

Would also ditch Paypal and the cannabis nonsense, if you have the time and are looking for the returns, look at what could do well over the next 6-12 months, from drone to energy it changes faster and multiple times over the next 2.5 years.
Most importantly, don't forget to live!
Treat yourself with the money, start traveling, enjoy the time with friends, the meaning of life is to live!
You'll never get your younger years back and before you think in 10 years' time I would have done more back then, traveled, whatever, do it now so that you don't think later that you missed out on something.
Your savings rate is very high, higher than 90%, don't forget that here and now 😉✌🏼

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Wiktor_06@Wiktor_06

@Chris-1989 is also a cool way of thinking. I love traveling and take the money to do it.
I've been to England, Greece, Italy, Spain and Cuba.

So for me in 19 years it's been really cool moments (all paid for by myself).

I'll wait for Paypal and then see, because I don't sell in the minus.

Thanks anyway for the answer 💪🏻

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Chris@Chris-1989

@Wiktor_06 Selling at a loss increases your loss pot, whereas you can sell other shares at a profit without paying tax on the gains.
Would you buy Paypal again at the current time and what return do you expect?
Otherwise, get rid of it!

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JCM@TheStoic

I was in a similar mood at your age, so here's a well-intentioned tip:
Don't just think about saving at that age. Use the money for yourself and invest in yourself, have fun with it or give something back to your family (maybe I'm confusing this and I don't want to offend you, so please excuse me if this is not true, but didn't you even make a post about your mother that you plan to set up a small pension deposit for her?)
It sounds cool at that age to have so much money in two years, but believe me the money will come over time anyway and then you'll be more annoyed about the moments you missed out on because you were just saving money.
Besides, if you invest the money wisely now, you may be able to save much higher amounts in a few years' time, which will cancel out the lower savings rate now.

(And I don't mean that you shouldn't save at all, but if you save €833 per month, for example, you'll still have €10,000 per year, but just under €600 left for yourself).

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Wiktor_06@Wiktor_06

@TheStoic Thank you for your perspective.
I have set up a custody account for my mother and she has a savings plan on the MSCI Word.
At the same time, I support my mom with very high financial matters.

But thank you for your tip, I just want to fill up the €50,000 first so that I can invest my salary in other things after my training and reduce the savings amount a little.

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Felix@Shareholder

Hi, first of all, respect!
However, I wouldn't use up all your capital in a savings plan, if that's possible with this amount. Accumulate €400-500 per month in order to reduce the purchase price of the stocks you hold when prices are lower. The one-off purchases make a huge difference.

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Wiktor_06@Wiktor_06

@Shareholder Thank you, that would also be worth thinking about.

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Thesaurus@Thesaurus

If I were you, I would focus on human capital at your age, as the leverage there is higher than putting every cent into your portfolio at 19. Educate yourself, network and travel. In my opinion, this has a higher ROI.

Other than that, you should cut out the PayPal Canopy shit that looks like you're listening to Hoss and Hopf or something haha. S&P 500 and BTC 50% weighted each and you'll thank yourself for it in 10 years 🤝

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Show answer

Tenbagger2024@Tenbagger2024

Don't forget Europe

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View all 3 further answers

GonnaCatchEmAll@GonnaCatchEmAll

No derivatives. You'll only burn your fingers in the long run. Nobody can do market timing. And with a limited term, you will run into total losses every few years (when a correction, bear market or crash is imminent). With shares, etfs you can sit out drawdowns, derivatives are a waste.

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