Was that 15% too easy a goal, as it was reached in just over a month? 
To that hundred thousand, however, there is still a way to go, so donāt count your chickens before they hatch.
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YTD Iām about one percent up. In my entire investment history, Iām still in the red, and certainly with my PYN Elite holdings too, but fortunately, my safe haven, i.e., cryptocurrencies, are in the green for the entire investment history. 
This will get better. I have over 2 years to get into the green for my entire investment history before I complete 10 years as an investor.
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My second year of investing is complete, and in addition to monthly savings, Iāve poured all extra inheritances and money saved for buying/renovating a home that was sitting in savings accounts into the markets. I emptied my equity savings account in May 2024. I thought the summer effect would repeat after the dividend spring, and I found it more sensible to diversify my money globally and become a full-time ETF investor. Over a little more than a year of cruising the Helsinki stock exchange, I earned 25.55ā¬ in capital appreciation and 1144.15ā¬ in dividends, from which, of course, a full 30% tax was paid once I withdrew the money from the equity savings account. 
The portfolio is rapidly approaching its first major goal: 100,000 euros. It doesnāt really feel like anything, because most of the portfolioās growth comes from money previously saved for buying a home and some inheritance. With the current monthly savings of 1000ā¬ and an 8% annual growth, the goal would be reached within this year. Letās hope for the best and fear the worst.
Return for the last 12 months:
And total return:
So, we are about 30% in the black. For comparison, the pink line represents the OP-maailma (OP-World) index, which I have tried to encourage some familiar novice investors to start investing in. At this point, it seems that perhaps I should have taken my own advice.
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I also always tell other novice investors that these certain low-cost index and ETF funds are often quite a valid option. 
I, on the other hand, like the casino vibe. 
This five-year curve is certainly not flattering for me. 
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The year has started sweetly, as we are already at +10% in the main portfolio by mid-February. At the same time, the magical ā¬100k limit for my share savings account was also brokenš
The last time I boasted about my portfolio returns here in the summer of 2024, it marked the local peaks exactly to the hour, which were only surpassed now at the beginning of 2025. I hope I donāt repeat the same thing again by posting thisš
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Today, the OST account is at ATH readings. The portfolio contains just under 10 stocks belonging to the OMX25 group. The share price movements of Mandatum and Metso ensured todayās 4.78% return development, despite Neste, which was removed from the portfolio today.
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The analytics provided by Nordnet below describes my investment history quite well. In 2018-2019, if I recall correctly, the main focus was on funds, in 2020 I started putting more money into investments in general, especially stocks, and from 2021 onwards I have put almost all my extra money into stocks.
Thereās also PYN Elite, I bought it on three occasions, but itās also at a loss.
Cryptos are slightly in profit. These represent 3.5 percent of the total investment assets.
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Given recent successes, I have to pat myself on the back a bit: thanks to good luck and one of my foreign stocks, Iām almost on par with the S&P500 Total Return index for my entire investment history! Now, most of my money is back in Helsinki, so weāll see when I hit the jackpot next.
If one reflects on the portfolio chart below from this entire five-year hobby, a pretty big difference would have been made to the outcome if I had understood what was happening during the corona era and dared to press the sell button more often. The real magic trick would have been to just sit on my hands. Although I did find the right button a couple of times, I couldnāt hold onto cash (since the markets were yielding fabulous returns), so as a compromise, instead of good stocks, I bought all sorts of discount coupons, and to top it all off, Kamux and Neste. As a result, almost all profits disappeared, and I was left wrestling in the mud with the index.
Now I have to hope that this rut finds a new gear and we can again surpass the American index, which can, of course, happen in several ways. But I still donāt feel like sitting on a cash pile at all, not even a bit; weāre going with full stock exposure. 
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YyTeeDee broke 50kā¬ today.
Well, it can be brought back to zero without doing anything.. With the same technique up and down.
It just requires aggressive holding.
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My āHesuliā-coated stock portfolio is also finally starting to wake up; as of this writing, my net worth has grown by an estimated thousand euros per week since the beginning of the year, +ā¬6500, with 6.5 weeks of the year behind us. Iāve already calculated that at this rate, my pessimistic net worth target for this year would be hit already by late March.
But, but, the year is still young; I need to see it through to the end and conduct a more detailed portfolio performance analysis only on New Yearās Eve with some bubbly, and then update the final YTD figures here.
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Proof that boring can be quite productive.
The latest addition is Carl Zeiss Meditec from Germany, which is in a way 100x larger and more established than Optomed. A dominant player in its field. I recommend checking it out if the industry interests you as an investment.
Currently, an exceptionally large number of companies from Finland are available at earlier price levels than what could be bought before. Mandatum, Fortum offer quite good dividend yields at the purchase price. Orkla has also performed well. Essity will perform well. I suspect that the company is a Nordic gem and a future dividend aristocrat.
I bought Raisio when the previous CEO left and a new one came from Orkla. The company has a lot of potential, for example, regarding its overcapitalized balance sheet.
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My portfolio turns two years old today. It has gone quite well, as my own benchmark index, the S&P500, is being outperformed by approximately 8%. Earnings in euros for two years are 328kā¬, of which dividends are 16kā¬ and realized gains are 12kā¬. I am considering adding Novo to the portfolio at a suitable opportunity, as well as additions to Latour & Investor. I havenāt used leverage, but some 10-15% leverage is under consideration.
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Exactly 5 years of active investing were completed in January. Iām a bit embarrassed to admit it, but it was only last year that I realized I had always calculated my annual return incorrectly, as I had been calculating the TWR (Time-Weighted Return), which is often referred to on this forum as well.
In my opinion, the most sensible method for a private investor is to calculate the MWR (Money-Weighted Return), which takes into account the timing of cash flows. I regularly add capital to my portfolio, so there is constantly ānewā capital in the portfolio that hasnāt had much time to generate returns yet. This was emphasized last summer when I received a fairly large income payment, a significant portion of which I dumped into my OST (Share Savings Account). Thus, a rather large part of my capital has only been at work for less than a year. MWR is practically the same as the internal rate of return, IRR, so the calculation is conveniently done with Excelās or Google Sheetsā XIRR function. I calculated the return only for my stock portfolio; I donāt think it makes sense to include index funds and ETFs in the calculation.
Calculation result: over a five-year period, my portfolioās IRR has been 9.19%.
For fun, I calculated the corresponding IRR figures for different indices, i.e., if I had invested exactly the same amount of money into an index, on exactly the same days as I added capital to my stock portfolio. This was quite conveniently done with Google Finance tickers, although GFinance didnāt find TR (Total Return) versions for all indices, so some of these are price indices, e.g., Nikkei.
Iāve been thoroughly beaten by the US indices. Iām pretty much even with the Stockholm exchange. It was a bit of a surprise that Nikkei and DAX would have also performed better. At least Iāve beaten the domestic Helsinki exchange 6-1. 
Conclusion: Index investing is incredibly efficient, but Iām not going to completely give up direct stock investments. Instead, I will invest more in a few proven stock picks, and I wonāt actively look for new ones anymore. Not all of the indices listed above are necessarily relevant benchmarks, as itās hard to imagine that I would have put all my capital into just one index over the years. However, a 5-year average return of 9.19% is quite okay. It is in line with the long-term average return of global stock markets, so I guess Iām a pretty average investor 
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Nice start to the year 
Positions pretty much unchanged, only small movements in the portfolio: Palantir 5% reduction, and with the freed-up funds and cash, additions to Rocket Lab, AMD & Tesla.
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Wow, congratulations on the great returns! It would be really nice to see longer-term returns from portfolios like this.
Thatās a really sweet foundation to build upon, great job!
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Unfortunately, my investment career is short due to my age, so we cannot yet examine long-term returns.
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Great performance. The beginning of the year has indeed been exceptionally good. Even with a completely passive, globally diversified portfolio, a return of over +6% has been achieved in 1.5 months. The returns have mainly come from Europe this year. May the January rally continue..
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Today I have made a 7-figure sum by playing the stock marketās zero-sum casino, meaning I am officially a stock market millionaire
Yesterday I still felt somewhat unproductive after having made a million (by running a one-man) business and another through business acquisitions Three is no longer a coincidence. It should be noted that the taxman has, of course, taken his share, as has the lavish life, and the net worth doesnāt even start with a three.
The next goal can be nothing other than the chairmanship of the dividend party with a million euros in dividend income. A dividend millionaire, that would truly be something, as dividends, after all, are real money. Almost one-third complete, the goal will likely be met right in the 2040s 
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Wait a minute, am I seeing that correctly? So the maximum profit alone is just over a million, but the equity is 1.2 M, so a pretty huge return percentage, many hundreds? Or is there debt involved, or how?