3D·

Four years ago, I set a goal for myself: financial freedom🪙

With 20k in self-saved startup capital and a savings rate that at times reached up to 90%, I started investing in 2022. Today, I’m 24 years old and am close to reaching a portfolio value of 200k.

My strategy is intentionally simple: a long-term buy-and-hold approach based on ETFs, supplemented by selected individual stocks, crypto, and commodities. Even today, I still invest about 75% of my income.

I’d be interested to hear what you think of my portfolio. If you were in my shoes, would you change anything? More ETFs, a higher cash allocation, or a different focus?

I look forward to your feedback and a constructive discussion. 📈$IWDA (+0,36 %)

5 Comentarios

20k YTD in investments triggered?

Either the tracking is off or it’s at least being displayed incorrectly.

A 75% savings rate, etc., doesn’t tell you much. With a 1M income, that’s no big deal. With 1000.-, you have to reevaluate your life.

But anyway.

Otherwise, everything’s great. Slow and steady wins the race.

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Scorcer@Scorcer

@GeldGenie Yes, something doesn't seem to be working right with the automatic portfolio transfer. On average, the net amount over the last few years has been about 3k per month.

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Robin2100@Robin2100

Why more cash? You’re 24 and have an extremely “simple” but solid portfolio. What’s there to change? Just let it run its course. No matter what crisis comes along, you can ride it out as you get older if you don’t need the money in the medium term. You’re actually already set for life thanks to the future returns.

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SpongeBob@SquarePants

Pretty impressive for 24 years old. 💪

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Poor Dad@PoorDad

Wow… I’m almost 24, and you’ve outperformed me in terms of portfolio size 🙌🏼 But investing isn’t a competition—keep it up!! If you need reassurance: yes, you’re on the right track

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