Half a Million. No VP Title. No Fancy Funds.
Ditch the earn-more, spend-more trap
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As I was preparing for my workshop this afternoon I looked at my latest numbers.
I opened my Mercer pension portal:
The number staring back at me was €506,840. It has grown 48% since we switched providers 3 years ago.
For the first time in my life, I have more than half a million in a single investment!
When I started my Financial Freedom Journey 5 years ago that number only €112,000.
Even a year ago when I left Salesforce it was €452,000.
So it has grown by €53,000 since I left and stopped contributing.
For 2 years I have been writing about personal finance without publicly discussing my actual numbers.
I am slowly warming up to the idea of sharing more. And there is a reason why I am sharing this with you now.
The thing that really pisses me off
Financial advisers are out there right now telling people like you to move away from your corporate pension.
"It's not optimised," they say.
"We can get you better returns," they promise.
"You need our expertise," they insist.
"Give your money to our elite fund managers!" they write.
They sell complexity and high fees. I prefer simplicity and low fees.
I never managed managers
Account executive for most of my time. First-line sales manager after that.
No VP title. Never managed managers. Good money, but nothing exceptional.
Yet after 11 years, my pension is worth over €500,000.
Still growing at a rate that would make most investment funds jealous.
The real kicker?
If I'd listened to financial advisers who wanted to move my pension, I'd probably have:
Lower returns
Higher fees
Less transparency
More complexity
The worst of all worlds.
Instead, I kept it simple.
Kept it in the corporate scheme.
Let compound interest do its magic.
What this means for you
Your corporate pension is probably already brilliant.
Don't let anyone convince you otherwise.
Those tax advantages?
Employer contributions?
Institutional-level fund management?
That's not something you should give up lightly.
The numbers don't lie
€53,840 growth in one year. Tax-free.
From a pension I'm not even contributing to anymore.
That's the power of staying the course with a solid corporate pension.
Want to see the screenshot? (I've attached it below - because I believe in showing, not just telling.)
This afternoon I'm presenting my full pension strategy to 30 people in a workshop.
Everything I did over five years.
All my numbers.
All my tactics.
Not just my pension, but my earnings, my spending, ETFs, Bitcoin and cash funds.
Tickets were only €99, because I want to make financial literacy available for anyone.
This workshop was sold out in a couple of days.
If the attendees like it, I might do another on a different topic on the 20th of October.
If you'd like to hear about it before anyone else, sign up for the waitlist using the button below.
Be the first to hear about the next workshop!
When you are on the waitlist you'll also know when slots open up for 1:1 coaching.
That is it for this week. I'm going to do a few more dry-runs and make sure all my tech is working!
To your financial freedom,
Sjoerd
P.S. The tax deadline of 31st of October is getting closer. Have you claimed your pension tax relief yet. If you need a reminder of how to do it, check out my guide.
Sjoerd Bak
Become a Millionaire Ltd
www.bamillionaire.com
