I know this might sound extreme, but it’s the truth: if you’re not investing, you’re losing money every single day. And I’m not talking about missing out on the latest “hot stock” or some get-rich-quick scheme—I mean something much bigger and more fundamental: inflation.

💸 Cash Loses Value Over Time

Think about this: How much did a coffee cost 10 years ago? What about rent, groceries, or fuel? Prices go up every single year due to inflation, meaning your money’s purchasing power is shrinking if you’re just keeping it in a bank account.

Let’s look at the numbers:

If you had €10,000 in a bank account in 2015, it could buy you much more than what the same €10,000 can buy today.

With average inflation at 2-3% per year, in a decade your money loses 20-30% of its real value.

Right now, inflation in Europe is hovering around 3%, and in previous years, it was even higher.

This means that keeping your money in cash is actually a guaranteed loss.

📈 Investing = The Best Way to Beat Inflation

So, how do you protect yourself? By investing in assets that grow over time.

Here’s why investing is essential:

✅ Stocks and ETFs have historically returned 7-10% per year, easily beating inflation.

✅ Real estate generates passive income and appreciates in value.

✅ Dividend stocks and ETFs provide cash flow, making your money work for you.

✅ Compounding means that even small investments today can turn into serious wealth in the future.

The best part? You don’t need to be an expert or have a fortune to start investing. Even €100 per month invested consistently can make a massive difference over time.

ETF Examples That Beat Inflation

If you’re new to investing, ETFs (Exchange-Traded Funds) are one of the best ways to get started. They provide diversification, lower fees, and solid long-term returns.

Here are some great ETFs that have historically outperformed inflation:

🚀 S&P 500 ETF ($SPY (-1,26%) / $VOO (-1,28%) / $CSPX (-1,14%) ) – This ETF tracks the 500 biggest U.S. companies (Apple, Microsoft, Tesla, etc.) and has returned an average of 10% per year over the last few decades.

🌍 Vanguard FTSE All-World ($VWCE (-0,92%) / $VWRL (-0,91%) ) – A global ETF that covers large and mid-sized companies worldwide. Perfect for broad diversification.

💰 iShares MSCI World ETF ($IWDA (-1,03%) ) – A strong alternative to VWCE, investing in developed markets globally.

📈 Dividend ETFs like $VYM (-0,5%) or $SPYD (+0,62%) $ – Great if you want passive income, as they pay quarterly dividends.

Real Numbers: Why Waiting Costs You Thousands

Let’s compare investing now vs. waiting 10 years:

If you invest €10,000 today, and it grows at 8% per year, in 20 years it becomes €46,600.

If you wait 10 years before investing, you’ll end up with only €21,500—less than HALF!

The difference? Not how much you invest, but how early you start.

⏳ The Biggest Mistake: Waiting Too Long

Many people say:

"I’ll start investing when I have more money."

"The stock market is too risky right now."

"I’ll wait for the perfect moment."

But the truth is: there’s never a perfect time. The most important thing is to get started and stay consistent.

Even if you only invest €50-100 per month, you’re already ahead of 90% of people who never invest at all.

🚀 Take Action Now!

If you haven’t started yet, now is the time. Inflation isn’t slowing down, and every year you wait, your cash loses value.

📌 What’s stopping you from investing?

(Follow me for more investing insights, ETF picks, and portfolio updates! 📊)

#degiro
#fire
#etfs
#businesswins
#investing
#takeactionnow

Dear fellow investors,

This month I will reach another milestone in my investment journey, breaking 800$ in monthly dividend payments for the very first time. I couldn't be more excited....

Wooohooo 💲💲💲

This is due to receiving payouts for the following assets:

641 x $SCHD

281 x $O (+1,37%)

311 x $JEPI

211 x $JEPQ

179 x $SPLG

89 x $MAIN (-0,54%) (two payouts this month!)

137 x $EFC (+0%)

67 x $EPR (+0,92%)

67 x $SPYI

13 x $QQQI

Looking ahead, it seems like September might be my first 1k$ dividend month 🤪🤪🤪.

Fingers crossed 🤞🤞🤞

For those among you who follow my story, know that I just started (again) in Dec 2023 and already had to upgrade my goals to 150k$ invested and average dividends of >500$/month. Both goals are within reach and very likely to be achieved before 2024 comes to an end.

I am very happy with sticking to the plan (DCA-ing into a selected few ETFs and stocks) in hopes for #fire (Financial Independence Retire Early).🔥🔥🔥

I am planning on making some adjustments to the portfolio over the next couple of weeks and months and hopefully later this summer I will share my whole portfolio with more information about my investment strategy as well as the (as of recent) popular Sankey diagram of monthly money flow here on getquin for scrutiny and further constructive feedback. So stay tunes for that.

The list of updated key take-aways are as follows:

1. Select your ETFs and stick with them

- Core:

$SPLG (alternatives are $SPY (-1,26%) and $VOO (-1,28%) ), chosen because of slightly lower expense ratio and lower prices (hope for more inflow), trading volume is not a concern as this was bought for the looooong "buy and hold"

- Dividend 💸:

$SCHD (alternatives are $VIG (-0,7%) and $VYM (-0,5%) ), chosen because seemed undervalued at the time of purchase, great dividend and decent dividend growth

- Growth 📈:

Still not chosen, open to suggestions

I maintain that it will probably be $QQQM (alternatives are $VGT (-2,25%) , $SCHG , $SPGP , $DGRW , $VUG (-1,75%) )

- REITs 🏠:

Not yet chosen, as here I am not even sure any longer if I actually want to invest in REIT ETFs or not just keep my exposure to the few REITS I already own ($O (+1,37%) , $VICI (+2,65%) , $MAIN (-0,54%) , $EPR (+0,92%) , $EPRT (+0,53%) ...)

If I decide to venture into this field, it will probably be $SCHH (alternatives are $XLRE and $VNQ (-0,52%) )

- Misc 🗠:

$O (+1,37%) The Monthly Dividend Stock

$JEPI / $JEPQ for monthly dividends in the covered call space

$SPYI / $QQQI to potentially replace $JEPI and $JEPQ

$VICI (+2,65%) / $MAIN (-0,54%) for additional monthly dividends in the REIT / finance space

I might also entertain the idea of investing in some individual stocks like $AMZN (-2,39%) . $NVDA (-3,63%) , $MSFT (-1,57%) , but that will depend on the constitution of the growth ETF I will buy.

2. Learn 🎓

Educate yourself and don't simply "trust" Youtubers. Read investment books (e.g. 'The Intelligent Investor' by Ben Graham, 'The Little Book Of Common Sense Investing' by John C. Bogle, 'Patient Capital' by Victoria Ivashina and Josh Lerner) and listen to many different voices in the investment arena. Be curious, but cautious... If it says: "100% win rate guaranteed!", it's probably best to stay away from it.

3. Don't try to time the market ⌚️

As one youtuber says: "Time in the market beats timing the market." I am sure we are all guilty of trying to buy at the best price on a particular day/week... If you are in for the long haul, it doesn't matter. DCA (Dollar Cost Averaging) for the win. 🏆

4. ETF over stock picking

Of course you can have huge winners if you pick individual stocks and if you have some insights that allow you to buy before the hype, great, I am very happy for you. Who wouldn't want to have invested in $KO (+2,3%) , $TSLA (-4,32%) , $AMZN (-2,39%) , $GOOG (-2,32%) or $NVDA (-3,63%) in their early days?! But that doesn't happen very often. If you invest in solid ETFs covering a wide array of markets, you will do just fine (especially with a long investment horizon). I have certainly tried to "pick' some stocks that looked promising for their upward potential, but only two have given me solid returns ($NEP (-87,13%) and $CFLT (-5,23%) ), whereas so far there are many losers (e.g. $IONQ , $OTLK , $SACH , $EPR (+0,92%) ).

That being said, I am not against holding individual stocks and I am sure that the likes of $NVDA (-3,63%) , $MSFT (-1,57%) , and $AMZN (-2,39%) will continue to deliver amazing returns, but these are also top of the list in weighted S&P500 or Nasdaq ETFs... ($SPLG , $VOO (-1,28%) or $QQQM , $SPGP etc.). Just saying!😉

5. Tailored investing

We are all different and our your time horizon, risk appetite, age, income and other factors most likely vary massively. My life, 47yo, being single without kids, being in a somewhat safe and well-paid job, having paid off properties that generate a decent income stream, wanting to retire in 3-5 years and not needing much is very different to someone who just starts their investment career and/or have a family or are already retired or or or.

Make a plan of what you want the investment to do for you and work towards it. In my case, I want to achieve #fire (Financial Independence Retire Early) as soon as possible, being able to live off dividends entirely. I recon I will need about 50k/ year (lots of safety built in). So building a strong dividend portfolio is my main goal. Sprinkle in some growth opportunities and we have a party. 🥳

Let me know what your goals are and how you plan to achieve those. Also if you have some input on which other ETFs and/or stocks to pick, I am all ears 👂👂.

I reached 100k$ invested on 2024-03-15 which was one of the milestones for 2024 (the new one is now 150k$).

Also March was very good to me with dividend payouts exceeding 600$ for the month, which made me revise my initial goal of 400$/month (avg.) by the end of 2024 up to >500$/month. 💲💲💲

Since this account is very new (Dec. 2023), I am very happy with sticking to the plan (so far) in hopes for #fire (Financial Independence Retire Early).🔥🔥🔥

Key take-aways so far are as follows:

1. Select your ETFs and stick with them

- Core:

$SPLG (alternatives are $SPY (-1,26%) and $VOO (-1,28%) ), chosen because of slightly lower expense ratio and lower prices (hope for more inflow), trading volume is not a concern as this was bought for looooong

- Dividend 💸:

$SCHD (alternatives are $VIG (-0,7%) and $VYM (-0,5%) ), chosen because seemed undervalued at the time of purchase, great dividend

- Growth 📈:

Not yet chosen, open to suggestions

Will probably be $QQQM (alternatives are $VGT (-2,25%) , $SCHG , $SPGP , $DGRW , $VUG (-1,75%) )

- REITs 🏠:

Not yet chosen, open to suggestions

Will probably be $SCHH (alternatives are $XLRE and $VNQ (-0,52%) )

- Misc 🗠:

$O (+1,37%) The Monthly Dividend Stock

$JEPI / $JEPQ for monthly dividends in the covered call space

$VICI (+2,65%) / $MAIN (-0,54%) for additional monthly dividends in the REIT space

2. Learn 🎓

Educate yourself and don't simply "trust" Youtubers. Read investment books, listen to many different voices in the investment arena. Be curious, but cautious... If it says: "100% win rate guaranteed!", it's probably best to stay away from it.

3. Don't try to time the market

As one youtuber says: "Time in the market beats timing the market." I am sure we are all guilty of trying to buy at the best price on a particular day/week... If you are in for the long haul, it doesn't matter.

4. ETF over stock picking

Of course you can have huge winners if you pick individual stocks and if you have some insights that allow you to buy before the hype, great, I am very happy for you. But that doesn't happen very often. If you invest in solid ETFs covering a wide array of markets, you will do just fine.

5. Tailored investing

We are all different and our your time horizon, risk appetite, age, income and other factors most likely vary massively. My life, 47yo, being single without kids, being in a somewhat safe and well-paid job, having paid off properties that generate a decent income stream, wanting to retire in 3-5 years and not needing much is very different to someone who just starts their investment career and/or have a family or are already retired or or or.

Make a plan of what you want the investment to do for you and work towards it. In my case, I want to achieve #fire (Financial Independence Retire Early) as soon as possible, being able to live off dividends entirely. I recon I will need about 50k/ year (lots of safety built in). So building a strong dividend portfolio is my main goal. Sprinkle in some growth opportunities and we have a party. 🥳

Let me know what your goals are and how you plan to achieve those. Also if you have some input on which other ETFs and/or stocks to pick, I am all ears.

I got a question the other day about what to look for when investing in ETFs. Here are a few things I take into consideration:

Fund Objective: Understanding the main objective of the fund is a great place to start when researching ETFs. This can typically be found on the fund's website.

Expense Ratio: This is how much you pay in fees as a holder of the fund. Something like $DGRW has a 0.28% expense ratio, which in my opinion, is high, especially when compared to something like $SCHD or $VYM (-0,5%).

Holdings: It's a good idea to take a look at the top holdings of the fund because, in essence, you want to know what you're buying.

Returns: While past performance doesn't tell you anything about how a fund will do in the future, looking at the long-term returns can help you get a sense for how it has historically performed in different market environments.

What are some things you look for when analyzing ETFs? Let me know in the comments below! 👇

$VYM (-0,5%)

I think the growth and return is worth it. What do you think guys?