Key insights
- An 18-year-old's plan to invest aggressively in VTI, QQQM, ETH, and BTC using student loans and grants is outlined. While the high CAGR projections are optimistic, the strategy reflects a high risk tolerance suitable for a long investment horizon. The US market impact is slightly positive due to increased investment flows into US-listed ETFs (VTI, QQQM), but the overall scale is small.
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):
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DUO Grants: ~€815
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DUO Loan: ~€500 (2.33% interest rate)
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Part-time job: ~€500 (Delivery/freelance)
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Total: ~€1,815/mo to invest
The Portfolio & Projections:
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70% VTI: 10% CAGR
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15% QQQM: 13% CAGR
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10% ETH: 30% CAGR (Staking it for extra yield)
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5% BTC: 25% CAGR
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Average: ~14.5% CAGR