22H·

Hello,

A short introduction on my part. I am 26 years old and have been investing for 3-4 years. The last two years I have done a professional training. This now enables me to earn a net salary of around € 3300 to start with. I also have a side business which also earns me around €1000 a month.

Now to the plan I'm pursuing until I'm 30. As you can see from my portfolio, my individual stocks are underperforming the market, although I am convinced of the values in the long term. I will therefore now shift my focus strongly in the direction of ETFs.

Savings plan in the future:

100€ per month in Bitcoin

100€ in a building society saver to get the 70€ housing construction premium per year (is a legacy from 2023 and has a good financing interest rate)

$HOOD (+0,93%) and $HIMS (+0,19%) should be saved up to a maximum of €1000 via a savings plan. I think both models are very promising, but I'm aware of the risk involved.

$IWDA (+0,16%) I want to accumulate around €1800 per month as a core.

So I hope to have around the first €100,000 in my portfolio by then.

This will leave me €2200 to live on, which should be enough for a normal standard of living. Do you think the savings targets are realistic or do you think the 50% savings rate is too extreme?

11Posições

€ 26.207,33

2,46%

7 Comentários

Bavarianholder@Bavarianholder

22H

Strong savings rate 👍🏽👍🏽 would personally focus more on my ETF as core instead of $NVDA and $HOOD. Otherwise good plan.

However, with your salary you should no longer be entitled to the housing construction premium, or am I wrong?

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All-in-or-nothing@All-in-or-nothing

21H

@Bavarianholder Exactly, there will definitely no longer be a Wop claim with the salary

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Imker 9.@Imker

21H

Thank you for the input, you are of course both right about the premium. I will then cancel the savings amount on the building society savings account and transfer it to $IWDA.

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GG H.@GGHyperX

22H

Strong savings rate and strong salary with 26! 4300 net together is already above average 👍

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David@DerUnwissende

21H

Very strong performance and savings rate. Do you only want to be represented in the industrialized countries or would an expansion with an em etf not also be a possibility for you? Otherwise, simply continue to build up the msci as a core and then expand with satellites.

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Ramon@Ramon100895

15H

Strong ETF savings rate and an interesting strategy overall. I would definitely advise you to cancel the building society savings plan and add it to your Bitcoin savings plan.

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Imker 9.@Imker

@Ramon100895 The thought also occurred to me yesterday, as I'm aiming for an approximate distribution of 90% $IWDA and 10% $BTC anyway. Then that would fit quite well.

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