It happened exactly one week after my 22nd birthday that I ran the 100K mark. While I’m at it, I’d also like to introduce you to my portfolio and my strategy.
About Me:
I just turned 22 and have been investing since I was 18—back then as an apprentice with a modest salary. Now I have a full-time job and can set aside between €1,000–€1,500 . I’m deeply involved in investing and would say it’s become a hobby for me because I’m so interested in it. That’s why it’s even more rewarding when it pays off in the end.
My Strategy:
At first, I had everything invested in an ETF ( $VWCE (-0,24%) ), but I quickly realized that this approach was too boring for me and didn’t yield enough returns. Now I focus mostly on individual stocks, though I’ll keep the ETF as a foundation. My portfolio is very tech-heavy -heavy, which is intentional, as I see the greatest opportunities in that sector. I actually only go for growth stocks to achieve the highest possible returns. The few dividend-paying stocks are leftovers from when I first started. Except for the $EOAN (-0,41%) stock, which I contribute €500 to annually—though my employer matches €360 of that. I recently invested heavily in software ( $NOW (-4,09%) ) and data centers ( $IREN (+6,54%) ) because I see high potential in these sectors.
I’ve also invested in cryptocurrency but, as you can see, I failed at it very quickly. I simply lacked the knowledge, but I was well aware that it’s a very risky sector. However, I won’t sell at a loss—I’ll just ride it out. If my altcoin positions drop to zero, so be it, but who knows—maybe I’ll still come out of it with a small return. It’s different with $BTC (+0,45%) —I still see potential there and continue to contribute to it monthly.
My savings plans:
50€ $VWCE (-0,24%) (Just to take advantage of the Save-Back feature at Trade Republic)
250€ $BTC (+0,45%)
Future Goals:
I’ll keep doing what I’ve been doing and try to maintain my savings rate at €1,000–€1,500. I’ll continue to identify individual stocks where I see great potential and will then invest in them in tranches.
In addition to my investment portfolio, I’d also like to buy my first condo within the next two years and then rent it out.
I hope you enjoyed this little glimpse into my financial journey, and I’d really appreciate any tips or suggestions for improvement.
