At the beginning of the year, I radically changed my strategy: moving away from countless individual stocks toward a simple, robust, and family-friendly structure centered around the Vanguard FTSE All-World ($VWCE (+0,4 %)) and the $TDIV (+0,18 %) 🌍💰. The triggers back then were my two kids 👶👶, parental leave 🍼, and the scarcest resource of all—time!
Today—a few months later—it’s clear: That was exactly the right decision! I’ve officially hit the 1/3 million € mark in my brokerage account alone! 📈
(Important to note: Bitcoin $BTC (+0,34 %)
₿ and our real estate 🏠 aren’t included in this total at all and are managed separately as additional pillars.)
A few thoughts and insights along the way:
- Consistency & simplicity beat timing: The key wasn’t finding that one perfect stock, but rather the disciplined, automated saving into the global ETF—completely stress-free and without constant monitoring.
- Compound interest makes a noticeable difference: Once your portfolio reaches this size, daily market movements can contribute more to your gains on some days than your own savings rate.
- Staying focused & making the most of your time: Switching to a simple setup has brought exactly the peace of mind I’d hoped for—so I can have more time for my family.
What’s next?
The strategy remains unchanged: maintain the savings rate $VWCE (+0,4 %) , reinvest dividends, keep crypto and real estate running in parallel, and carry on stoically. The next goal for the portfolio is 500T€—the second half of the first million! 🎯
Thanks to the community here for the daily exchanges and motivation! 👏🏼👏🏼👏🏼
You guys are truly the best! 🫶🏻
#etfs
#dividends
#vermögensaufbau
#meilenstein
#altersvorsorge
#familie
#vanguard#vaneck
