After plundering part of my deposit in November last year (broken car had to be replaced immediately, 10K for the "new" used car), I dropped back to 15K.
The move two months earlier had flattened what I had saved up to that point - how could kitchens have become so incredibly expensive in recent years? 🙃
The target by the end of the year is 25K. As there are some major expenses coming up this year (approx. 10K BAföG repayment for my partner, approx. 15K family second car and wedding + honeymoon (to be honest, I haven't thought about how high the expenses will be here. But certainly not five figures) and my partner is also on parental leave until October 2027, the monthly savings installment will amount to €600. The same amount will be saved in my partner's custody account. In addition, the children's custody account with €150 per month.
In order to reach my goal of 25K, I need a return of 9.1% this year.
My strategy is not yet set in stone. However, I am leaning towards 400€ $VWCE (+0,69%) and 200€ in stocks that have tenbagger potential (spread calmly over 100 years. 10% per year is enough for me).
I am confident that the community project "Tenbagger of the future" will help me to achieve this year's goal. My high proportion of gold should also have a positive influence on the current and probably future market turmoil. And with my cryptos, it would be nice to reach the EK again in the course of the year. 😅
My yield today is just under 3.2%. If it's the same tomorrow and the day after tomorrow, I'll simply sell everything and be happy to have reached my target. 😁
What are your goals for this year? And are there any of you who are starting this year with a completely different strategy than before?
