I'm moving to Delft for CS this year. Parents are paying my rent and tuition, so I’m planning to live on bread and water and dump every other cent I get into the market.
Basically, I’m going to work 9h a week to qualify for the Dutch grants, plus I’m taking the max DUO loan because 2.3% interest is basically free money. Total should be around €1,600-€1800 a month to invest.
Portofolio: 70% VTI, 15% QQQM, 10% ETH (staking it), and 5% BTC.
Logic is that I'm 18 so I can afford to be a bit degen with the tech and crypto part. Even if the market goes sideways, I’ve got 4 years until I graduate and 35 years to pay back the government loan.
Am I missing something or is this a solid way to hit 100k by 22? Should I just go full NQ/Tech or keep the VTI safety net?
The Money (Monthly):
• DUO Grants: \~€815
• DUO Loan: \~€500 (2.33% interest rate)
• Part-time job: \~€500 (Delivery/freelance)
• Total: \~€1,815/mo to invest
The Portfolio & Projections:
• 70% VTI: 10% CAGR
• 15% QQQM: 13% CAGR
• 10% ETH: 30% CAGR (Staking it for extra yield)
• 5% BTC: 25% CAGR
• Average: \~14.5% CAGR