So - now I've also cleaned up my cryptocurrencies by moving all altcoins (except $FET (+5,83%) ) into $BTC (+0,66%) have shifted.
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Messaggi
21Make clever use of your tax refund: What would you do with EUR 1,613?
Yesterday I set myself the challenge of completing my tax return using the Taxfix tax software and submitting it to the tax office on the same day. The expected result was EUR 1,613.00. To be honest, I had expected a higher refund in tax year 2024 due to the high tuition fees of around EUR 4,240 and other factors. But as is so often the case in life, the tax office and the tax return surprise us in an amusing way. :-)
Imagine you receive an additional capital inflow of EUR 1,613.00 - how would you use this amount? Would you invest in new shares, build on your existing positions, invest in ETFs, go for precious metals or plunge into the world of cryptocurrencies? I look forward to hearing your ideas and personal experiences on this scenario!
Out of pure interest in an exchange of opinions: If you can take a look at my current portfolio, which positions would you consider worth buying in the event of a similar influx of capital? I am also happy to receive the odd humorous comment ;-)
#etfs
$VHYL (-0,58%)
$FUSD (-1,38%)
$D6RM (-0,54%)
#stock
$TSLA (-4,32%)
$GOOGL (-2,28%)
$MS (-1,6%)
$CS (+0,45%)
$NOVO B (+5,32%)
$ASML (-0,72%)
$MUV2 (-0,6%)
$CNQ (-0,99%)
$GGG (-1%)
$MC (+0,4%)
$DHL (+0,55%)
$TKA (+0,24%)
$RIO (-0,51%)
$ADBE (-2,14%)
$MPW (-2,1%)
#stock
$BICO (-4,29%)
$9866 (+2,04%)
$SVA
$TECO (-67,57%) (Insolvency filed)
#krypto
$BTC (+0,66%)
$ETH (+4,89%)
$ADA (+1,89%)
$FET (+5,83%)
$BNB (+3,61%)
$CAKE (+5,18%)
$AXS (+1,88%)
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Second tip: Start building up a solid ETF position and run a savings plan on it.
My Journey to Financial Growth: Lessons, Failures, and Ambitions - Happy 2025 The year of change.
Hi there!
First off, I want to introduce myself. I'm a 24-year-old who's spent about two years diving into the world of investing. Though I’m just starting, I’d love to share a bit of my journey with you all.
My Beginnings
I’ve always had a unique approach to life and investments, which often feels different from most people I know. I started working young, driven by a goal to save €10,000. For someone living in Portugal, where building wealth takes time, this felt like a mountain to climb.
Unfortunately, at 18, I fell victim to a scam and lost €5,000 in my first year of trying to invest. It was a harsh lesson. My family thought I was naive for believing I could become wealthy quickly through trading. They’d never ventured into investments, so I was forging a path on my own.
Hitting Rock Bottom
After the scam, I swore off markets altogether. I moved to Spain to try earning more, but the isolation and inability to grow my savings left me depressed. It was during this tough time that my boss introduced me to Bitcoin.
He told me: “Diogo, buy Bitcoin. This could change your life. Don’t spend on cars or houses—invest in this!” At first, I thought he was crazy. Bitcoin was volatile, and I couldn’t imagine risking so much. But his passion stayed with me, and I began paying attention to the market.
Turning Things Around
In 2022, I returned to Portugal, reuniting with family, friends, and a sense of purpose. I found a stable job—not well-paying, but it gave me a foundation to rebuild. Slowly, I started meeting people active in the markets, shifting my mindset, and planning my future more thoughtfully.
I set a goal to save €10,000 again, this time with a clear strategy. By saving at least €200 a month and focusing on long-term growth (like investing in the S&P 500), I envisioned reaching €1 million by the time I turn 40.
Lessons and Progress
By the end of 2023, I came close to my goal, saving €9,500. My biggest win was investing in NVIDIA ($NVDA (-3,63%) ), which gave me a 55% return in less than a year!
In 2024, I made another significant investment—this time in myself. I used some savings to fix my teeth, boosting my confidence. Despite that expense, I managed to grow my investments to €23,000 by year's end.
My Current Strategy
This year, I’m focusing on stocks and crypto that are undervalued but have strong potential for growth. My portfolio includes:
Cripto:
Final Thoughts
My goal is to end this year with €40,000 invested, to be able to get half of it into the real state,It’s ambitious, but I’ve learned that persistence and patience can yield great rewards.
I’ll keep you all updated on my journey. Best of luck to everyone on yours!
Diogo Cordas
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Algumas questões/recomendações
Porque não um ETF diversificado de acumulação ou então alguns growth stocks? Os dividendos em Portugal são taxados a 28% vais perder muita rentabilidade aqui.
E para crypto eu investiria sempre pelo menos 70%-80% em BTC.
Bons investimentos!
And here we go 🚀 Just under 1000 $FET (+5,83%) left.
What do you think speaks in favor of Fetch AI $FET (+5,83%) ?
If you look at the chart, I think it's a good entry point right now.
Hello everyone.
Can you recommend any crypto apps that are good?
I still buy Bitcoin at 21Bitcoin, but would like to buy $FET (+5,83%) or $GRT (+4,88%) get it. Unfortunately, this is not possible there.
Hi folks,
I have just received a message from Trade Republic, I accidentally pushed it away.
It was about $FET (+5,83%) I had only briefly read that the sale was no longer possible on Sunday. But I didn't read it to the end. Unfortunately I can't find anything about it on the Internet, have you noticed anything?
best regards 🌸
I'll do nothing for now and wait and see