5D·

Target of € 1,000,000 reached on 3.2.2026

To be honest, the corona crash finally brought me back to the stock market in 2020 after many years of abstinence from the stock market after the year 2000. After several years of consistent monthly saving since then - money always invested on the first of the month when it was in the account, or the dissolution of all expensive, unproductive and even loss-making pension insurance policies in favor of investments that are managed by myself and are under my control - and consistent investing in mainly ETFs but also shares, but ultimately unexpectedly easy and fast, the "magic" limit of € 1 million securities account value € 1,000,000 was reached today on 03.02.2026! - Truly a day to celebrate and rejoice! - but also to define new plans and goals for the future now that I have achieved my goal of financial freedom. Perhaps from now on I'll consciously have more courage to spend, enjoy, relax and let go. Either way, I will never be a spendthrift anyway.

From now on, investing more in the search for spiritual and emotional dividends could make sense again.

80Posições

€ 1.001.974,66

15,84%

212

34 Comentários

Timo@Aktienorang-Utan

Congratulations to you! 🍀
And good luck with defining your new goals.

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Chris@Multibagger

Congratulations! And remember the sentence about having the courage to spend, enjoy and relax. That is very important!

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BartS@Weissach

Congratulations great dividend portfolio, you have found a good balance between monthly dividend payments and growth. 👍 I also think it makes more sense to take your pension provision into your own hands 👍👍

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Cossi@Cossi

Why do you have so many duplicate ETFs or almost the same ones?

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Baer@Baer

@Cossi I practically have 2 portfolios that both belong to me, but I would like to pass them on to my 2 children when I am no longer around - hopefully I still have plenty of time.... Since I am convinced of the respective investments, I have some ETFs twice in both portfolios... actually not absolutely necessary and a hobby I know...

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Katie@Profit_maker_girl

@Baer Great idea!!! I wonder whether you can pass on a stock portfolio to your children without selling the shares…

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Katie@Profit_maker_girl

Congratulations!👍 You have built an impressive stock portfolio. As I can see, you now receive 2,500 euro per month in dividends, which means you don’t even need to work.🤗That’s an amazing achievement!

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Baer@Baer

@Profit_maker_girl From now on i am literally free to work and so i can enjoy it even more in hard times but i know don' t have to when it really is too much - that was my goal ! Mentally freedom !

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Katie@Profit_maker_girl

@Baer That’s a great goal. It’s very inspiring. Thanks for sharing your achievement.

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Krush82@Krush82

very cool, I want to go there too. But it only works if the performance value has exactly the same number of digits as the portfolio value ;-)

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Mo@BigMo

Congratulations on the psychological milestone!
It's important to have the courage to spend, as you say, without being wasteful.
The best way to do this is to set a budget, because then you can live out your financial freedom with a clear conscience.

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Wealth-Accelerator@Wealth-Accelerator

Huge congratulations! Enjoy the moment 🙏

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yogen48@yogen48

Huge congrats 🎉🎉

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SanSebastian@WarrenamBuffet

nice

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Martin@Marpo

Glückwunsch!

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Katie@Profit_maker_girl

Have you followed a DCA strategy, buying stocks every month regardless of the market price?

Could you please share your best practices and lessons learned?😇😁

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Baer@Baer

@Profit_maker_girl yes, each month dca but with a twist in some cases when i think stocks like novo nordisk, united health group or even amazon or alphabet are undervaluated

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Katie@Profit_maker_girl

@Baer Yes, that’s a good best practice for individual stocks!👍 but ETFs are just bought monthly, right?

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Baer@Baer

@Profit_maker_girl yes, most of them monthly - but some of the etfs -especially the dividend etfs- in the past often only quarterly

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Valesthor@Valesthor

Glückwunsch 🥳

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federalreserve@federalreserve

Glückwunsch! 🍾🥳

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Demas@Demas

Can i ask how old you are? And why not get premium by now so get more insights 😃

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Baer@Baer

@Demas sure you can ask - i am 53 - and yes, even more insights with premium should be very interesting -but i use some other tools too, like extraetf, snowball, etc. and also good old excel :)

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Founder@Cyprus-Founder

Congratz to the achievement and welcome to the Millionaire's Club!

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INVESTDALF@der_Ahnungslose

Congratulations!
Achieving financial freedom is a goal that I wholeheartedly wish for everyone and I wish for myself.
Because it really interests me: Can I ask how old you are, how long it took you to reach the million and approximately how much you put aside each month?

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Baer@Baer

@der_Ahnungslose hi yes with pleasure - I'm 53 years old and well, this sum is actually my total life savings amount invested in finances so far, in addition to a home loan - this sum includes all the money I have earned mainly myself in the last 30 years or so, as well as around 50,000 from inheritances and around 160,000 from a property sale 1 year ago. At the beginning of 2020, after Corona, I canceled all life insurance policies, pension plans and bank funds and started investing almost everything I had left since then myself... currently it's usually around 1500 to 2000 a month ... Plus all the dividends that I immediately or automatically reinvest... when I look at the performance of the bank funds and insurance companies in the last 5 years alone, I'm really glad that I invest my money myself...:)

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ArmoredBull@ArmoredBull993

Super congrats!!!!

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alieb@alieb

Nice goal, congrats. May I ask which brokers / banks you use?

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Baer@Baer

@alieb - flatex and traderepublic

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Aktienwelpe@Aktienwelpe

That makes me very happy 😇

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income_expert_fndzq@income_expert_fndzq

Chapeau ✌️👌 - that's motivating 🙌

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Vik@Vik1337

Congratulations! The portfolio looks frighteningly similar to mine...just a lot smaller :)

Have fun in this new phase of your life

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Epsilon@Epsilon

How high was your monthly savings rate?

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Baer@Baer

@Epsilon The amount is and was quite different - I have actually invested everything I didn't really need in the last few years - currently it is at least around 1500 per month from my salary - but fortunately - especially at the beginning of investing in 2020 - I also have larger sums due to the termination and payout of my life insurance policies, which I had previously saved for almost 20 years - with, to put it euphemistically nicely, extremely low financial returns if not even a small minus after 20 years! - Unfortunately, the bank and the insurance company have always been very careful to ensure that their managers and they make a good profit from me through their fees, forgetting "a little" that perhaps I should also really benefit from buying this product - with the current conditions, these products would ultimately only have started to bring me a positive return at all from the age of around 79, without the possibility of inheritance or with a complete loss of capital in the event of death after taking out the insurance at the age of 68. This allowed me to invest in ETFs and shares at the relatively low prices at the time, and I also consistently bought whatever I could in 2022. The times after the corona crash, and also the year 2022, were in any case a very good entry point - the dividends are and were always reinvested immediately - the snowball effect here is incredible...

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