[RETIREMENT] How €60/month for a child could potentially become €1,000,000

[Toored Mining]

🚀 My Retirement Journey Started Today

Building wealth slowly through discipline, patience and compound interest.

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📅 Today I made my first €100 investment into a World ETF.

I'm 36 years old.

After spending years in crypto, mining, speculation and alternative investments, I decided to build something much simpler:

✔ Buy a World ETF

✔ Invest every month

✔ Hold for decades

✔ Let compound interest do the work

For all calculations below I use a conservative annual return of 7%.

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💰 My Personal Retirement Simulations

Starting age: 36

Target retirement age: 66

Investment horizon: 30 years

Monthly Investment	Total Invested	Estimated Value at 66
€100	€36,000	~€122,000
€200	€72,000	~€244,000
€500	€180,000	~€610,000
€750	€270,000	~€915,000
€1,000	€360,000	~€1.22 Million

Interesting fact:

The majority of the final value doesn't come from the money invested.

It comes from time and compound growth.

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👨‍👧‍👦 Investing For My Children

This is actually the most important part of my plan.

I have:

👧 Daughter: 6 years old

👦 Son: 4 years old

My goal is not to make them rich.

My goal is to give them something most people never get:

A huge head start.

Most people start investing at:

• 30 years old

• 40 years old

• 50 years old

My children are starting before they even know what an ETF is.

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📈 Initial Investment Plan

For each child:

• €60/month

• World ETF

• Long-term buy and hold

• No trading

• No leverage

• No stock picking

Target contribution:

~€13,000 per child

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👧 Daughter Scenario (6 Years Old)

Monthly investment:

€60

Total contributed by age 24:

~€13,000

Estimated portfolio value at age 24:

~€28,000

If she never invests another euro and simply leaves the portfolio untouched until age 66:

Estimated retirement value: ~€480,000

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👦 Son Scenario (4 Years Old)

Monthly investment:

€60

Total contributed by age 22:

~€13,000

Estimated portfolio value at age 22:

~€27,000

If he never invests another euro and simply leaves the portfolio untouched until age 66:

Estimated retirement value: ~€550,000

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🔥 What If They Continue Investing?

Let's assume they finish university around age 22 and continue investing themselves.

Daughter (starting with ~€28,000)

Monthly Contribution	Estimated Value at 66
€50	~€700,000
€100	~€1,000,000
€150	~€1,300,000

Son (starting with ~€27,000)

Monthly Contribution	Estimated Value at 66
€50	~€800,000
€100	~€1,100,000
€150	~€1,450,000

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🎯 The Lesson

The greatest gift isn't money.

The greatest gift is:

TIME.

A child who starts adulthood with an investment portfolio already built has an enormous advantage over someone starting from zero at 35 or 40.

That is why I believe investing for children may be one of the best financial decisions a parent can make.

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📢 The Platform I Personally Use

I recently opened my account and made my first investment.

If you are interested in starting your own long-term investing journey:

https://refnocode.trade.re/wmwkzxmh

Join Trade Republic. Invest, save and build your future one month at a time.

[PostQuantumBTC]

If you start investing in bitcoin, you will make money from it after many years or in few decades. This is what I know that is very true about bitcoin because it is just a store of value asset. But why did you prefer to invest in something centralized? I do not like bitcoin ETF. If you know you want to invest for a very long time, it is better you buy the bitcoin and not ETF product, send it to your bitcoin wallet that you have its private key or seed phrase.

[bitbollo]

LOL "conservative return" of just 7% WOW magic investor here (wink wink).

This is just a fantastic " topic " write with AI just for shilling ETF + shilling a website with referral (not allowed by "un"official forum rules)...
not the best way to find people here I would just suggest to BUY BITCOIN DIRECTLY and avoid at all any kind of shady practice.

[Toored Mining]

Thank you for your feedback.

I completely understand the preference for Bitcoin. To be clear, I'm not against Bitcoin at all.

In fact, I've been involved in crypto and mining for years and I already own Bitcoin myself.

This thread is not meant to compare Bitcoin and ETFs or convince anyone to choose one over the other.

I'm simply sharing my personal journey and a long-term plan I recently started for myself and my children.

The objective is very simple:

* Build a retirement portfolio.
* Teach my children the importance of saving and investing.
* Take advantage of long-term compound growth.

Bitcoin is already part of my overall investment strategy, mainly through mining and direct ownership.

The ETF is simply another tool that I decided to add for diversification and long-term retirement planning.

Regarding the referral link, I understand the concern. The main purpose of this thread is to discuss the strategy and the numbers behind it. The referral link is only the platform I personally chose to use.

I appreciate different opinions and I'm always interested in hearing how others are preparing for retirement, whether through Bitcoin, ETFs, real estate, businesses or other investments.

[jossiel]

I like the plan and the enthusiasm you've got. At average 7% annual return is actually realistic. All I see here is a dad who's caring for their children and that's why that huge head start is what will potentially make them financially free in the future.

But it won't depend on you because at some point if you see them that they're not good in handling money, it's possible that you'll not hand them that investment you've made for them.

As for this type of plan, I'll keep things simple for them and myself. I'll hold a bit of bitcoin that's set to be there for a long time, it will surely be a wild ride.

[Toored Mining]

Thank you.

You're absolutely right. At some point it will no longer be about the money itself, but about how they handle money.

In France, once they become adults, the investment account legally belongs to them, so the final decision will be theirs.

What I can do as a parent is give them the best possible start and try to teach them good financial habits along the way.

My goal is not to control what they do with the money when they are 18 or older.

My goal is to help them understand concepts like:

* Saving before spending
* Investing regularly
* Compound interest
* Long-term thinking
* Avoiding unnecessary debt

If they decide to continue investing, great.

If they choose a different path, that will be their decision.

At least I will know that I gave them a head start and tried to provide them with some financial education before they reached adulthood.

To be honest, I think the financial education may end up being more valuable than the money itself.

And who knows, maybe by the time they are adults they will teach me a few things too.

[jossiel]

At least I will know that I gave them a head start and tried to provide them with some financial education before they reached adulthood.

To be honest, I think the financial education may end up being more valuable than the money itself.

You are only doing what a parent should do for being responsible.

And that's in them whether they'll spend it wisely, reinvest it or just recklessly spend it on worldly things as they grow older since they didn't worked on it.

But that's the whole point, they might get the lesson for failing but hopefully even before they fail, they've already given that importance on the hard work that you have put into it.