I recently started my training as a civil servant and receive €1,400 net. I also receive a half-orphan's pension of €540. As I hardly have any fixed costs (only fuel, food and MMA training), I end up with almost all of my income left over to invest.
🧭 My plan: I have a savings plan for €1,400 on the 2nd of every month. I'm also thinking about putting €200 a month into derivatives - not as my main investment, but as "play money" to take any profits and then shift them into ETFs or BTCs.
Current portfolio & strategy (approx. €11,400):
Core S&P 500 ETF ( 30%)
$CSPX (+0,02%) (target 30% of the portfolio)
→ This is my core component in the portfolio. I deliberately only want to hold approx. 30% core because I'm prepared to take more risk as I get older.
Bitcoin
$BTC (-1,23%) (also target 30%)
→ I still need to buy more, but it should have the same weighting as my core.
Nu Holdings
$NU (+0,63%) 10%
→ I see this as a future stock with a lot of potential.
PayPal $PYPL (+0,14%) 10%
→ I plan to use it as a turnaround investment. However, no further savings plan, as I want to wait and see how the value develops.
Ondas Holdings
$ONDS (-0,83%) 5-10%
→ I would describe this as my momentum share - the plan here is to cash in when profits are good.
Kaspa (crypto) $KAS (-2,6%) 5%
→ Fun project, but also with a long-term perspective.
Canopy Growth $WEED (-0,85%)
→ I think I will hold in the medium term.
🚀Target:
In 2.5 years (I'll be 21 then) I'd like to crack the €50,000 mark.
In purely mathematical terms:
- Starting capital: € 11,400
- Monthly income: €1,940 (€1,400 + 540)
- Fixed costs: approx. 400 €
- Investment amount: € 1,600 per month (€ 1,400 savings plan + € 200 derivatives)
- In 30 months: € 48,000 deposits + starting capital → € 59,400 (without return).
So with a little return, the €50k target should be absolutely realistic. 🚀
What do you think about my setup?
👉 Which 2 additional stocks would you recommend for the savings plan (besides S&P500 & BTC)?
👉 How do you see the €200 in derivatives as a "play money" strategy?