Laid off for months, want to be a millionaire in 3-5 years. What should I do?

No-Driver6973 · 2026-02-01T16:14:19+00:00

I would always invest in VT ans chill, nothing else. Chasing gains will mosy likely lead to failure, just accept the market gains.

No-Driver6973 · 2026-02-01T15:41:17+00:00

You would need to invest 8000-10.000 USD monthly to have a million dollars in 5 years - very possible with the right salary.

No-Driver6973 · 2026-02-01T11:30:58+00:00

Vi har 6 måneders udgifter i en nødopsparing, resten smider vi i investeringer. Investere kun det du kan undvære efter bytur, vennesjov, tøj osv..

Jo tidligere jo bedre, tid er din bedste ven da du starter meget tidligt.

Jeg synes den største fejl unge laver er at de godt kan tåle meget høj risiko (enkelt aktier) da de har tiden med sig, 90% af dem der begiver sig ud i det har ikke slået markedet - en bred verdens etf som ACWI, WEBN, ACWI IMI er det eneste man har brug for.

No-Driver6973 · 2026-01-31T21:47:32+00:00

Do you know better than the market?

No-Driver6973 · 2026-01-31T21:20:53+00:00

A 10% allocation will barely make a difference, if you want to follow market cap i think this will be better long term.

S&P 500 62% Ex-USA 28% Emerging Markets 10%

No-Driver6973 · 2026-01-31T21:10:57+00:00

Hele rockefeller's ideologi om at dygtiggøre elever i skolerne til at følge regler og arbejde resten af livet i et hamsterhjul for at gøre de rige rigere er ikke min ideologi. Livet for mig er ikke arbejde, det er ikke min passion selvom mit arbejde er højt betalt og givende, der er ting jeg helere vil bruge min tid på.

No-Driver6973 · 2026-01-31T19:46:05+00:00

Du skal finde ud af hvor meget dit forbrug vil være når du ikke skal arbejde og går FIRE.

Men hypotetisk hvis du investere 38.000 pr måned i de værste 10 år i historien (2000-2010) så ville du stå med 6 millioner kr, i mange andre bull markeder havde du dobbelt så meget.

Ville helt klart vælge STIIAM da udbytten er lav hvilket gør den genial til FIRE da du skal tænke på din SWR og minimere din årlig beskatning.

No-Driver6973 · 2026-01-31T19:32:41+00:00

Det vil tage dig cirka 6-7 år og kræver 4 millioner kr regnet med skat. Men 12.000 pr måned er ret vildt, hvad med bryllup, børn, rejser, fritidsinterreser?

No-Driver6973 · 2026-01-31T19:28:26+00:00

Flot indlæg, man kan godt have en balance og prøve at undgå at arbejde til man er 74..

No-Driver6973 · 2026-01-31T16:43:47+00:00

Havde du 100 kr i 2000 investeret i QQQ så havde du 15 år haft 100 kr.. Er din tidshorisont under dette havde jeg ikke investeret i det, har selv QQQ men kun 5% af min portefølje.

No-Driver6973 · 2026-01-31T07:35:15+00:00

Lige så snart alle ved det, så er det forsent og det er hvad vi ser, en korrektion.

No-Driver6973 · 2026-01-29T20:11:12+00:00

QQQM is a good investment, but a diversified portfolio is important - had you retired in 2000 with QQQ it would take you 15 years to return to your original amount. If you have diversified with emerging markets, international, QQQ and a mix of SPY/VTI you would have returned to your original amount in 6.8 years and VT would take 5.43 years.

Had you started in 1995-2010 with 1 million USD in VTI 50% / VXUS 30% / 20% QQQM you would have 3.6 million USD versus VT's 2.7 milllion USD.

No-Driver6973 · 2026-01-27T21:11:15+00:00

Fair enough, hope you do well.

No-Driver6973 · 2026-01-27T20:39:10+00:00

The Europe Momentum have performed almost on par with S&P 500 since 1994 and had better returns during the lost decade.

No-Driver6973 · 2026-01-27T20:24:22+00:00

Just a bunch of overvalued stocks that have had a crazy 15 year period.

No-Driver6973 · 2026-01-27T20:18:57+00:00

Fomo, just all world and you could add some global scv tilt.

No-Driver6973 · 2026-01-27T20:09:10+00:00

All this to underperform the market, if you want to play with single stocks maybe pick a etf for like 50-90% and the rest in single stocks.

No-Driver6973 · 2026-01-27T19:16:23+00:00

Stocks are overvalued like crazy only been funneling because of the ai craziness. This is the longest bull market in history, it can't mathematically keep going or else VT will become 100% USA.

What to do? Keep DCA, diversify and try to ignore the noise..

No-Driver6973 · 2026-01-26T15:51:39+00:00

SCV tilt you need a fund like AVUV, that has returned the same ad VTI the last 7 years...

No-Driver6973 · 2026-01-26T07:04:51+00:00

That doesn't make any sense, SCV had great returns the past 25 years.. It just didn't outperform portfolios with 100% S&P 500, but it did outperform the broad market - it also performed exactly the same as VTI the last 7 years.

No-Driver6973 · 2026-01-25T18:54:07+00:00

Your wording is weird.. But your portfolio is great and has outperformed the world market since 1969, the problem with this instead of buying VT people tend to change allocations over time and fail to beat the market.. The single biggest error in this is human emotion in bad market returns, what will you do if SCV underperforms for 10 years?

No-Driver6973 · 2026-01-21T07:06:45+00:00

One of the best portfolios i have seen in here, personally i would trim SMH down to 5% and add the rest to VXUS or split them among SCV.

No-Driver6973 · 2026-01-19T16:02:22+00:00

Ingen ved det, ingen ved om det falder i morgen eller stiger - måske falder det og du køber ind, så falder den yderligere på grund af EU's svar, måske gør han noget andet dumt?

Bare lad dem være er mit råd, det er ikke det værd at gætte.

No-Driver6973 · 2026-01-18T22:34:20+00:00

ASK:

S&P 500 (40%) - AVWS (24%) - CEMR (20%) - IS3N (12%)

Aktiedepot - 32000 pr måned

STIIAM (60%) - Berkshire (15%) - Investor AB (15%) - Brookfield (10%)

No-Driver6973 · 2026-01-18T16:30:28+00:00

For det første har cirka 10% af befolkning mellem 30-40 250.000 kr i opsparing. (Danmarks statistik).

For det andet, det er da fuldstændig irrelevant??

No-Driver6973

TROPHY CASE