€30,000, never touched for 20 years
Invest once, then do nothing. What happens is the clearest lesson in investing.
30 October 2026
Imagine you invest €30,000 once in a broad world ETF and then simply do nothing. You do not sell in a crash. You do not take any of it for a car. You forget it.
The numbers
- At a cautious 7% a year: about €116,000 after 20 years.
- At 10% a year: about €202,000 after 20 years.
- After 30 years at 7%: about €228,000.
These are assumptions, not promises. Markets go up and down, and some years are negative.
The rest was never paid in by you. Time did that.
The hard part
The math is easy. Not touching the money is hard. That is why the guide treats patience as a skill: with an emergency fund, so you never have to sell, and with habits that keep you calm when markets fall.
Chapter 9 of the guide has the full tables for lump sums and monthly savings plans.
The complete guide
The full plan is in the book.
Everything from this journal, in the right order: from your first payday to the next twenty years.
- 74 pages, 5 parts, 15 chapters
- True stories and worked numbers
- Your 30-day, 1-year and 20-year plan
- 4 bonus templates
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