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Now Holding 🦍
🚀 My path to building wealth at the age of 19
I am 19 years old and can invest around €1,300 a month.
I have made a conscious decision to invest a little more riskily at this stage of my life in order to build up assets in the long term.
That's why I'm currently taking a 30% / 30% / 40% risk:
Planned split:
- 800 € in individual shares ( $GLXY (+8.82%)
@Multibagger thanks for the contribution and possibly $ONDS (-9.24%) ) - 250 € in $BTC (-2.24%)
250 € in the $CSPX (+0.17%)
My portfolio currently consists of, among other things
- $CSPX (+0.17%) ( 50%)
- $NU (-0.08%) ( 17%)
- $ONDS (-9.24%) (6%)
- $BTC (-2.24%) (5.5% -> I need to build up more in the future)
- $KAS (-2.28%) (6% , -50%)
- $SSW (-9.51%) ( 5%)
- $IREN (-8.08%) (5%)
- $SOL (-2.87%) (4%)
I am currently wavering between two strategies:
Build each position to ~€1,000, then just hold and continue to save monthly in one company with a savings plan.
OR
Strengthen the core (30 % S&P 500, 30 % BTC, 40 % individual stocks) and reduce the number of individual stocks to 5-6 in order to invest in a more focused manner.
In the long term, I would like to grow passively, but still retain the opportunity to outperform through selected growth stocks.
Thank you for reading 🚀
GQ Favorites - update
Almost 4 weeks have passed and let's take a look at the results.
$IREN (-8.08%) makes her own kitchen party $EWG2 (-6.81%) and $SSLN (-8.86%) are now joining us.
$SOFI (+0.08%) and $NU (-0.08%) sit in the living room and sip their beer - steady grow.
TLDR: 14k -> 20k in .
Have a nice weekend. :-)
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 (+0.17%) (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 (-2.24%) (also target 30%)
→ I still need to buy more, but it should have the same weighting as my core.
Nu Holdings
$NU (-0.08%) 10%
→ I see this as a future stock with a lot of potential.
PayPal $PYPL (+0.08%) 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 (-9.24%) 5-10%
→ I would describe this as my momentum share - the plan here is to cash in when profits are good.
Kaspa (crypto) $KAS (-2.28%) 5%
→ Fun project, but also with a long-term perspective.
Canopy Growth $WEED (-1.67%)
→ 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?
My 10B model: This is how I try to find possible tenbagger candidates
Reading time: approx. 6-8 minutes
The 10B model is my attempt to systematically identify tenbagger candidates. The aim is to find companies that realistically have the potential to grow tenfold over the next few years. Of course, this will only work for very few - but even one hit can shape a portfolio.
The basic rule: size matters. A tenbagger rarely starts at 200 billion market capitalization. The entry hurdle in the model is therefore less than 10 billion euros. Companies in the EUR 1-5 billion corridor are the most exciting because they still have growth potential but are no longer pure early-stage gambles.
I set up the screening with ChatGPT - for data collection, pre-filtering and peer comparisons. Exciting candidates are followed by manual checks: annual reports, management calls, competitive position, balance sheet quality.
Criteria (scoring 0-20 points each, 100 in total):
- Growth & profitability: strong sales growth (ideally > 20% p.a.) and progress in profitability. Ideally, the Rule of 40 (sales growth % + operating margin % > 40) is fulfilled.
- Moat: sustainable competitive advantage (technology, network effects, market access, regulation).
- Market size: addressable market ideally ≥ 10× current market capitalization.
- Financial stability: solid balance sheet, debt ratio < 3× EBITDA, sufficient cash buffer.
- Valuation & momentum: multiples vs. growth, downside scenario, timing (e.g. RSI).
Interpretation: > 80 points = real 10B candidate; 70-79 = watchlist material; < 70 = mostly quality stock without tenbagger potential.
$INOD (+1.48%) Innodata - ≈ USD 2.7 bn / ≈ EUR 2.28 bn - 74 points (in the portfolio)
Growth & profitability: 15/20 - strong double-digit growth, but still volatile.
Moat: 12/20 - niche IP and data sets, but no insurmountable moat.
Market size: 17/20 - AI data services highly scalable.
Financials: 12/20 - freshly profitable, but still volatile.
Valuation & Momentum: 18/20 - very hot (RSI > 70).
Exciting stock, but the momentum masks the financial fluctuations - watchlist for me, not core.
$AMPX Amprius Technologies - ≈ USD 1.6 bn / ≈ EUR 1.36 bn - 73 points (watchlist)
Growth & profitability: 15/20 - great potential in the battery and aviation sector, still early stage.
Moat: 16/20 - technology clearly differentiated, provides lead in certain segments.
Market size: 18/20 - batteries remain a global multi-billion topic.
Financials: 8/20 - high CapEx, no positive cash flow yet.
Valuation & Momentum: 16/20 - volatile but attractive valuation.
An exciting innovation stock - if the transition from pilot to series production is successful, this could be exciting.
$NXE (-5.88%) NexGen Energy - ≈ USD 5.0 bn / ≈ EUR 4.26 bn - 76 points (watchlist)
Growth & profitability: 14/20 - no revenues yet, but clear leverage at project start.
Moat: 15/20 - high-quality uranium reserves, strong project know-how.
Market size: 18/20 - uranium is experiencing a global surge in demand.
Financials: 12/20 - good cash, but dilution risks after capital rounds.
Valuation & Momentum: 17/20 - positive sentiment in the uranium sector, clear trend.
NexGen is closely linked to my contribution to the uranium supercycle - for me one of the most exciting levers in the energy sector.
$NICE NICE Ltd - ≈ USD 9.1 bn / ≈ EUR 7.77 bn - 79 points (watchlist)
Growth & Profitability: 18/20 - Cloud & AI drive CX platform, Rule of 40 fulfilled.
Moat: 17/20 - technological depth, high customer loyalty.
Market size: 18/20 - huge CX/AI potential.
Financials: 16/20 - strong cash flow and margins.
Valuation & Momentum: 10/20 - expensive, timing is critical.
Top quality - but I would be patient and wait for better entry windows.
$NU (-0.08%) Nu Holdings - ≈ 73-75 bn USD / ≈ 62-64 bn EUR - 85 points (in portfolio)
Growth & Profitability: 19/20 - high double-digit customer growth, profitability significantly improved.
Moat: 15/20 - strong brand and network effects, but intense competition.
Market size: 20/20 - Latin America with huge address market; US expansion underway.
Financials: 16/20 - stable margins and high capital ratio.
Valuation & momentum: 15/20 - ambitious, but covered by growth.
A quality stock and good benchmark for the model - but at over EUR 60 bn no longer a classic 10B candidate; a tenfold increase from this level is unlikely.
These examples show how differently candidates perform in the 10B model. INOD, AMPX, NXE and NICE are between 73 and 79 points and are therefore exciting watchlist material with clear triggers. NU stands out with 85 points, but no longer fulfills the original "below 10 billion" rule - here I am more interested in confirmation that the model criteria work and that a company can grow strongly in the long term.
The 10B model is not a promise of returns, but a tool for filtering out the most exciting companies at an early stage and then critically examining them. The combination of systematic screening and manual analysis ensures that fantasy and reality are clearly separated - and in my opinion, this is where the best opportunities arise.
Next, if there is interest, I will introduce my Hidden Quality Radar (HQR) - a framework that attempts to identify "under the radar" quality scores through 100-point scoring and link them to visibility factors.
What do you think of the approach - and which small/mid caps under 10 billion would you currently place in the 10B category?
for your great effort.
I also follow this approach to some extent. However, I only include these stocks in my portfolio as satellites.
NU with almost 50 billion market cap. Of course, it's not a small cap, but it still has the potential.
Have you been able to beat the NASDAQ with your approach so far, and have you been successful?
News about Nu Holding 🤗
$NU (-0.08%) Nu applies for US banking license - still little reaction on the stock exchange
Brazilian digital lender Nubank said on Tuesday that it has applied for a national banking license for the United States. This is the most concrete step yet towards expansion outside Latin America.
The decision "is in line with the company's intention to explore future international opportunities by evolving its regional platform into a global model," Nubank said in a statement.
CEO David Velez said the lender's primary focus remains on achieving growth in its existing markets of Brazil, Mexico and Colombia.
Velez said Nubank's application could help serve customers already based in the U.S. and connect with people in the future who have similar financial needs and could benefit from our products and services
Nubank executives said the company is preparing to expand into a new market.
Nubank, which is listed in the US through Nu Holdings NU said former Brazilian central bank chief Roberto Campos Neto will take over as chairman of the board of its U.S. business.
https://de.tradingview.com/news/reuters.com,2025:newsml_L5N3VH1HM:0/
Dividend vs. Covered Calls
I’m running a small investing experiment to see which approach can generate steadier monthly cash flow: dividend investing or selling covered calls.
My portfolio is relatively small, so I don’t mind taking a bit more risk if it means I might learn something new.
Disclosure: I used ChatGPT to clean up my phrasing and typos, but I asked it to keep things simple and stay true to my own words.
Why I’m Doing This
I currently invest through my company, which gives me a great tax advantage.
- I don’t pay tax on realized capital gains because my company is under Hungary’s KIVA system. Under KIVA you don’t pay corporate tax on profits or investment income; instead, you pay a flat 10 % on the total gross salaries you pay out each year. So if you have many employees—or pay yourself a generous salary—you effectively pay tax through that payroll base rather than on the gains themselves.
- I don’t pay the usual 15 % Hungarian dividend tax because I invest through my company under the KIVA system, where the same 10 % salary-based rule applies. Some countries still withhold tax at the source—for example, U.S. dividends now get a 30 % haircut since the Hungary-U.S. tax treaty was dropped, while the U.K. doesn’t withhold anything extra.
- Option premiums are also untaxed, so I keep 100 % of those.
Running a company teaches you that strong cash flow is everything. So I thought: why not try to create reliable cash flow from investments too? Monthly-paying dividends are one way. Another is selling covered calls, which can provide instant income.
Quick Covered-Call Primer
A covered call means you own at least 100 shares of a stock and sell a call option giving someone else the right to buy those shares at a set price by a set date.
Because you already own the shares, the call is “covered.” The buyer pays you a premium up front.
Your obligation: if the option is exercised, you must deliver those shares or buy back the contract (often at a higher price).
If you’re curious, watch a few good YouTube explainers—it’s easier to grasp from a video than from my summary.
My Two Test Portfolios
Dividend Portfolio
Contains $JEGP (+0.41%) , $UKW (-1.56%) , $MCSTP —each paying around 8–10 % annually.
- JEGP and UKW dividends are tax-free for me.
- MCSTP is taxed at 30 %, but I’m testing how this new product of $MSTR (+1.07%) works long term.
Options Portfolio
Currently just $NU (-0.08%) . I like the stock, it’s easy to buy 100-share lots, and it’s great for covered calls.
Yes, if NU “goes to the moon” my call might get exercised and I’d have to sell—but I’d still keep the premium. You can roll options to capture extra upside, but that usually means choosing a later expiration date (moving from monthly to perhaps yearly).
Bought 100 shares for $1,580, sold an Oct 24 call at $16.50, and pocketed a $44 premium.
Early Results & Thoughts
- Dividend side: Launched in April. Prices have dipped, so even with dividends I’m slightly negative—mainly due to $UKW (-1.56%) . I’m okay with small paper losses since I’m here for cash flow.
- Options side: Less than a month old. $NU (-0.08%) ’s price moves more, which suits me. If I get called away, I’ll just rebuy 100 shares next month and sell another covered call.
In October I need to decide whether to add another 100 NU shares or introduce a second stock. On my watchlist: $WT (-1.52%) and $INFY (+3.45%) . My screening process still needs fine-tuning.
I also figured out how to track option income in Getquin: just add a manual “dividend” to NU so the dividend features capture the premiums. Works nicely for performance tracking.
See the attached picture for results. Feel free to follow if you’re curious how this experiment unfolds.
I don’t post often, so you won’t get spammed—just occasional updates on new moves and my thinking.
I’m far from a pro, so don’t expect sophisticated analysis!
Cheers!
Dividend Portfolio
Options Portfolio
Betting Choice
This is pure betting on a not profitable society.
Short term choice.
I think this is a meme stock with a potential bull run upside.
Sold all my $NU (-0.08%) position with 30% of profit to run with the Open community.
It's not something to long term.
Irish says: Party! Sofi nods - and the weekend is officially open.
$IREN (-8.08%)
$SOFI (+0.08%)
$NU (-0.08%)
So the weekend can start 😂
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