1Semana·

Target of € 1,000,000 reached on 3.2.2026

To be honest, the corona crash finally brought me back to the stock market in 2020 after many years of abstinence from the stock market after the year 2000. After several years of consistent monthly saving since then - money always invested on the first of the month when it was in the account, or the dissolution of all expensive, unproductive and even loss-making pension insurance policies in favor of investments that are managed by myself and are under my control - and consistent investing in mainly ETFs but also shares, but ultimately unexpectedly easy and fast, the "magic" limit of € 1 million securities account value € 1,000,000 was reached today on 03.02.2026! - Truly a day to celebrate and rejoice! - but also to define new plans and goals for the future now that I have achieved my goal of financial freedom. Perhaps from now on I'll consciously have more courage to spend, enjoy, relax and let go. Either way, I will never be a spendthrift anyway.

From now on, investing more in the search for spiritual and emotional dividends could make sense again.

80Puestos

1.001.974,66 €

15,84 %

258

53 Comentarios

Timo@Aktienorang-Utan

1Semana

Congratulations to you! 🍀
And good luck with defining your new goals.

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Baer@Baer

@Aktienorang-Utan Many thanks for the congratulations! - My intended at least Coast Fire goal has really been achieved at just over 53 years of age and new beautiful goals can be defined...

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Chris@Multibagger

1Semana

Congratulations! And remember the sentence about having the courage to spend, enjoy and relax. That is very important!

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Cossi@Cossi

1Semana

Why do you have so many duplicate ETFs or almost the same ones?

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Baer@Baer

1Semana

@Cossi I practically have 2 portfolios that both belong to me, but I would like to pass them on to my 2 children when I am no longer around - hopefully I still have plenty of time.... Since I am convinced of the respective investments, I have some ETFs twice in both portfolios... actually not absolutely necessary and a hobby I know...

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Katie@Profit_maker_girl

1Semana

@Baer Great idea!!! I wonder whether you can pass on a stock portfolio to your children without selling the shares…

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WoLambo@WoLambo

@Profit_maker_girl of course you can!

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Katie@Profit_maker_girl

@WoLambo How does that work? Any tricks?

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Baer@Baer

@Profit_maker_girl Yes - with the help of a lawyer friend ! - He said that this is possible in Austria with a testemony - but the tax comes ether way !

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Katie@Profit_maker_girl

1Semana

Congratulations!👍 You have built an impressive stock portfolio. As I can see, you now receive 2,500 euro per month in dividends, which means you don’t even need to work.🤗That’s an amazing achievement!

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Baer@Baer

1Semana

@Profit_maker_girl From now on i am literally free to work and so i can enjoy it even more in hard times but i know don' t have to when it really is too much - that was my goal ! Mentally freedom !

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Katie@Profit_maker_girl

1Semana

@Baer That’s a great goal. It’s very inspiring. Thanks for sharing your achievement.

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BartS@Weissach

1Semana

Congratulations great dividend portfolio, you have found a good balance between monthly dividend payments and growth. 👍 I also think it makes more sense to take your pension provision into your own hands 👍👍

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Krush82@Krush82

1Semana

very cool, I want to go there too. But it only works if the performance value has exactly the same number of digits as the portfolio value ;-)

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Mo@BigMo

1Semana

Congratulations on the psychological milestone!
It's important to have the courage to spend, as you say, without being wasteful.
The best way to do this is to set a budget, because then you can live out your financial freedom with a clear conscience.

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Alex@AlexBloch

Ok, congratulations are superfluous for you, because you already had it... ;-)
It's just a shame that many, like you, only ever state the absolute final value and the price increase - and have only been tracking the portfolio via Getquin for 1 year....
Because the TTWROR value of your portfolio would be much more informative as to whether you were simply lucky or a good (i.e. scientifically aware) investor!
This is because it ignores your deposits or subsequent purchases or sales gains, but simply looks at how your invested money has developed over the investment period, i.e. whether you consciously invested in the right shares or ETFs or bonds at the right time.
Then you could take your portfolio strategy as a model (positive or negative) and learn from it. Unfortunately, this is very difficult now because you have far too many ETFs and individual shares, which means that a clear strategy is not recognizable (except that you want to continue "paying in" regularly).

...If I already had €500,000 beforehand, I could have €1 million in my portfolio in 10 years at the latest, nothing could be easier! It's really no great feat, any more than getting rich through an inheritance from rich parents.
Please don't take this personally, I just don't like the mere display of large portfolio values without substantial information on how they were deliberately planned and achieved.
p.s.
By the way, I know exactly what I'm talking about - and without any envy:
Because I will also have reached my first million in 1-2 years, and can tell you exactly how it works. But it's actually enough to watch all the YT videos by serious investors such as Gerd Kommer and Andreas Beck. Finance is not rocket science!

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Baer@Baer

@AlexBloch Hi thanks for your comprehensive individual feedback! - Yes, you are
certainly right that a reduction of the plants or individual values could be useful.
could make sense. I don't have some ETFs or shares as a basis for ever
I deliberately only have some ETFs or shares as a basis for ever, but only temporarily to try them out and look at them - or towards retirement in about 12 to 15 years, I have very clear plans that the entire portfolio - especially the one at Traderepbublic - should contain far fewer ETFs and especially individual stocks for simplicity and easier management in the future. On the other hand, I like
different strategies of ETFs, each of which has individual advantages and approaches, and I am personally interested in dealing with these companies and their business models and also in the products and the future of these companies. Yes, also the technical analysis of whether an entry into
I also try to pay some attention to the technical analysis of whether it might be sensible to invest in individual shares and for what amount - you could say a modified DCA approach. In this sense, my approach is a deliberate mix of different investments to spread risk. (the only free lunch is diversification) I also like regular distributions over each individual month. - This is how the 400 payments/distribution strategy is presented (https://www.youtube.com/watch?v=SecKC9BReNk) These distributions simply motivate me.... I found and still find that psychologically very important for me to keep going. Yes, I agree with you that investing is actually not rocket science! Consistent investments
and high savings rates made as early as possible in investments and company values that are not bad per se, sticking with it, especially when things go down or when there are no panic sales, and simply taking your time.
Panic selling and simply time in the market are the key. As the saying goes - I think it was Warren Buffet who said something like this - it is not so important to always make brilliant or the absolute best investments (and so never start investing in search of these), but rather not to make really stupid and very bad decisions and that it is important to stick with it in the long term... I think I've hopefully managed to do this to some extent and I think this can also be an inspiration for others to invest consistently and build up the wealth they want. That's why I posted my portfolio in the end, to really show publicly that achieving even big financial goals on the stock market is actually not difficult and that everyone should dare to invest! Yes, a bit of luck with a good entry point after the corona crash is also part of it for me, but if I hadn't already had a proper and sustainable mindset at the time of my entry, investing wouldn't have worked out. at that time. I also have to admit that beating benchmarks was never my goal anyway, I honestly never cared about that, but what is important to me is preserving as much value as possible and building up a second income from dividends that is as broad-based, secure and diversified as possible. Ideally, my goal is ultimately to be in a position where I don't have to reduce the value of my portfolio at all, but rather to be able to withdraw the hopefully ever-increasing dividends from good investments and live off them. The peace of mind that can be derived from this and the freedom and independence to be gained as a result are actually my goals, not the money alone - that is only the means to this freedom - just knowing that I will be able to work in the future, but at least not have to in a few years is wonderful and being able to enjoy this state for life is a nice prospect ... the deposits themselves should then also be given to my children at some point and they should already be secured in their lives - the build-up of generational wealth was and is ultimately also one of my goals.
one of my goals, which is why I have terminated all life insurance policies that would only have benefited me and switched to private investments, which I will also be able to bequeath in one form or another.....

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Wealth-Accelerator@Wealth-Accelerator

1Semana

Huge congratulations! Enjoy the moment 🙏

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Baer@Baer

@Wealth-Accelerator Thank you! :)

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yogen48@yogen48

1Semana

Huge congrats 🎉🎉

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SanSebastian@WarrenamBuffet

1Semana

nice

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Martin@Marpo

1Semana

Glückwunsch!

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Katie@Profit_maker_girl

1Semana

Have you followed a DCA strategy, buying stocks every month regardless of the market price?

Could you please share your best practices and lessons learned?😇😁

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Baer@Baer

1Semana

@Profit_maker_girl yes, each month dca but with a twist in some cases when i think stocks like novo nordisk, united health group or even amazon or alphabet are undervaluated

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Katie@Profit_maker_girl

1Semana

@Baer Yes, that’s a good best practice for individual stocks!👍 but ETFs are just bought monthly, right?

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Baer@Baer

1Semana

@Profit_maker_girl yes, most of them monthly - but some of the etfs -especially the dividend etfs- in the past often only quarterly

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Valesthor@Valesthor

1Semana

Glückwunsch 🥳

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federalreserve@federalreserve

1Semana

Glückwunsch! 🍾🥳

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SpongeBob@SquarePants

1Semana

Can i ask how old you are? And why not get premium by now so get more insights 😃

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Baer@Baer

1Semana

@Demas sure you can ask - i am 53 - and yes, even more insights with premium should be very interesting -but i use some other tools too, like extraetf, snowball, etc. and also good old excel :)

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Founder@Cyprus-Founder

1Semana

Congratz to the achievement and welcome to the Millionaire's Club!

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INVESTDALF@der_Ahnungslose

1Semana

Congratulations!
Achieving financial freedom is a goal that I wholeheartedly wish for everyone and I wish for myself.
Because it really interests me: Can I ask how old you are, how long it took you to reach the million and approximately how much you put aside each month?

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Baer@Baer

1Semana

@der_Ahnungslose hi yes with pleasure - I'm 53 years old and well, this sum is actually my total life savings amount invested in finances so far, in addition to a home loan - this sum includes all the money I have earned mainly myself in the last 30 years or so, as well as around 50,000 from inheritances and around 160,000 from a property sale 1 year ago. At the beginning of 2020, after Corona, I canceled all life insurance policies, pension plans and bank funds and started investing almost everything I had left since then myself... currently it's usually around 1500 to 2000 a month ... Plus all the dividends that I immediately or automatically reinvest... when I look at the performance of the bank funds and insurance companies in the last 5 years alone, I'm really glad that I invest my money myself...:)

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ArmoredBull@ArmoredBull993

1Semana

Super congrats!!!!

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alieb@alieb

1Semana

Nice goal, congrats. May I ask which brokers / banks you use?

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Baer@Baer

1Semana

@alieb - flatex and traderepublic

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Epsilon@Epsilon

1Semana

How high was your monthly savings rate?

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Baer@Baer

1Semana

@Epsilon The amount is and was quite different - I have actually invested everything I didn't really need in the last few years - currently it is at least around 1500 per month from my salary - but fortunately - especially at the beginning of investing in 2020 - I also have larger sums due to the termination and payout of my life insurance policies, which I had previously saved for almost 20 years - with, to put it euphemistically nicely, extremely low financial returns if not even a small minus after 20 years! - Unfortunately, the bank and the insurance company have always been very careful to ensure that their managers and they make a good profit from me through their fees, forgetting "a little" that perhaps I should also really benefit from buying this product - with the current conditions, these products would ultimately only have started to bring me a positive return at all from the age of around 79, without the possibility of inheritance or with a complete loss of capital in the event of death after taking out the insurance at the age of 68. This allowed me to invest in ETFs and shares at the relatively low prices at the time, and I also consistently bought whatever I could in 2022. The times after the corona crash, and also the year 2022, were in any case a very good entry point - the dividends are and were always reinvested immediately - the snowball effect here is incredible...

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Aktienwelpe@Aktienwelpe

1Semana

That makes me very happy 😇

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income_expert_fndzq@income_expert_fndzq

1Semana

Chapeau ✌️👌 - that's motivating 🙌

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Vik@Vik1337

1Semana

Congratulations! The portfolio looks frighteningly similar to mine...just a lot smaller :)

Have fun in this new phase of your life

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Niklas@NikS

1Semana

Big congratulations! Here's to the 2nd coming faster 😉

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Baer@Baer

Hi, thank you for your comprehensive and individual feedback! - Yes, you're certainly right that a reduction in investments or individual stocks could make sense. I don't have some ETFs or shares as a basis forever, but deliberately also on a temporary basis and in the direction of retirement in about 12 to 15 years I plan to have much fewer ETFs and in particular individual stocks. On the other hand, I like different strategies of ETFs, each of which has its own advantages and approaches, and I'm interested in looking at companies and their business models. Yes, I also try to analyze whether it might make sense to invest in individual stocks and for what amount. Seen in this light, my approach is a deliberate mix of different investments to spread risk. I also like regular distributions over the course of each month. They simply motivate me. I find that psychologically very important for me to keep going. Yes, I agree that it's not really rocket science to invest! Consistent investments and savings rates in assets and values that are not bad per se, sticking with it, especially when things go down and not panic selling, and simply taking your time in the market are the key. As the saying goes - believe it was Warren Buffet: It's not so important to make brilliant or the best investments, but not to make really stupid and very bad decisions. I think I've hopefully managed to do that to some extent and I think that can be an inspiration for others to invest consistently. That's why I posted mrib Depot to show that achieving even big goals on the stock market is actually not difficult and that everyone should have the courage to invest. Yes, a bit of luck with a good entry point after the corona crash is also part of it.
I hadn't already had the right mindset at the time, investing would have been a bit of a challenge... But beating benchmarks was never my goal anyway, I honestly never cared about that, but what is important to me is preserving value and building up a second income from dividends that is as broad-based, secure and diversified as possible. Ideally, my goal is ultimately to be in a position where I don't have to deplete the value of my portfolio at all, but to be able to withdraw the hopefully increasing distributions from good investments and live off them - just knowing that I can work, but don't have to, is wonderful and even for life... the portfolios themselves should then also be preserved for my children at some point and they should therefore already be secure - building generational wealth was and is ultimately also one of my goals as to why I invest.

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Mrap@Mrap_

Can i ask how do you protect yourself from any of the brokers you use go bankrupt. Do you ever think about that? How can you sleep knowing that all you have is numbers on a screen and not something you can grab or touch.

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Ver todas las 4 respuestas adicionales

Christian@Cracker

Congratulations @Baer on the next million.

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Ver todas las 2 respuestas adicionales

Baer@Baer

Well, that's pretty much what I've been able to save up financially in my life so far, in addition to the necessary and nice expenses at the age of 53 - I actually started investing in stocks before the year 2000, but then left it since the crash and paid into life insurance policies as a result - but in the end they didn't bring anything and so I canceled them all after the Corona Crash and went back into direct investments, mainly with ETFs (80%) but also individual stocks (about 20%) to a small extent, or my attempt in crypto with 1% - as a current savings rate I have about € 1500 and € 2500 - but from now on I intend to do a little more Coast Fire in the future. my attempt in crypto with 1% - as a current savings rate I have something between 1500€ and 2500€ - but from now on I intend to do a little more coast fire in the future and reduce the new investments with fresh money - the dividends will always be reinvested immediately if possible, if I don't need the money at the moment - I have activated the automatic reinvestment at Flatex, for example - I hope this will also come to Traderepublic one day - because it is very practical

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Nuage Laboratoire@userf4e66db0fad84c3f

playstore@getquin.com

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