I could have had 1300% higher returns
Hey Future Millionaire,
Last week, I did some maths that made my stomach drop.
If I’d put all my money into Nvidia five years ago instead of my boring index fund, I’d have made over 14 times my money.
Instead, I made a measly 85% return.
I stared at that number thinking: “Sjoerd, you absolute muppet. You could have been properly rich by now.”
Ok, I didn’t really think that.
I remembered why I chose boring in the first place.
Because I wanted to sleep at night
See, in 4.5 years, I was able to leave my corporate role to pursue a career that excites me.
No crypto. No day trading. No picking winners.
Just three simple things:
Spending mindfully
Avoiding debt
Investing my savings every month in the global stock market
That’s it.
It’s passive investing because I don’t have to think about it.
And I don’t have to pay someone to do it for me.
My All-World fund is up 85% in five years, and I haven’t spent more than 10 minutes a month managing it.
Could I have done better?
Sure, look at these examples.
Here’s what I would have “gained” if I’d been cleverer:
The S&P 500: 94% return (+9% more than me)
Cost: Losing sleep over Trump’s tweets, tariffs and currency swings
Nasdaq-100: 103% return (+18% more than me)
Cost: Constant worry about tech bubbles and AI disruption
The Magnificent 7: ~150% return (+65% more than me)
Cost: Agonising over when to buy, when to sell, which one to pick
Nvidia alone: 1,467% return (+1,382% more than me)
Cost: Panic attacks every time the stock moved
Wild numbers, right?
But I still benefited from all those gains as they are all in my All World fund.
But did you know...
Most professionals who try to beat the market don’t.
And the few who do?
They’re glued to their screens, stressed out of their minds, wondering if today’s the day it all comes crashing down.
And for every 1 of them, there are 9 that tried and failed.
I chose differently.
I chose boring.
I chose peace of mind.
You see my friend, fortunes aren’t made by doing one thing spectacularly.
It’s about doing small things consistently for long enough.
For this you need a plan.
A plan that is simple, effortless, and can help you sleep at night.
That’s not settling. That’s winning.
In a 25-minute call, I can help you understand exactly what you are currently missing out on.
No pressure.
Just clarity on how to grow your money while actually living your life.
I’m off to buy some birthday presents with money I once feared I’d never have.
I hope you are having an amazing weekend!
— Sjoerd
Financial Freedom Coach | Ex-Sales Director | Still Human Like You
P.S.
My ex-Oracle colleague discovered €15,300 sitting in an old pension pot. He only put in €1,000 of his own money in 2015. It’s now heading for €89,000 at retirement.
He was a BDR and in Ireland less than 2.5 years!
He had no clue it existed until he saw one of my LinkedIn posts and got in touch with me.
So if you once worked in Ireland, do you know what you left behind?
And if you are working in Ireland, are you making the most of your pension while you can?
