Right. So, the market. It’s a bit like dating, really. You keep hearing stories of people getting spectacularly lucky, making fortunes overnight. Me? I’m aiming for slow and steady. The kind of wealth that allows for a small cottage in the Cotswolds, a decent bottle of wine, and maybe, just maybe, not checking my bank balance quite so often.
The idea is this: build a portfolio. A proper one. Two million sounds…substantial. It’s enough to stop actively worrying, which, let’s be honest, is a full-time job in itself. But it requires…discipline. And consistent effort. Two things I’m currently working on. (Units of Cryptocurrency Lost: 12. Hours Spent Watching Charts: 9. Number of Panicked Texts to Friends: 24.)
The basic premise is simple enough. Invest regularly. Small amounts. Let it grow. But where to invest? That’s the tricky bit. Everyone has a hot tip, a sure thing. I’ve learned to treat those with a healthy dose of skepticism. (Number of “Guaranteed” Investment Schemes Received: 7. Number Actually Considered: 0.)
I’ve been looking at S&P 500 ETFs. Sounds terribly sensible, doesn’t it? It’s basically owning a tiny piece of 500 of the biggest companies in America. Diversification. Apparently, that’s good. It’s like having 500 different dates – statistically, someone is bound to be okay. It’s not glamorous, but it feels…safe. And right now, safe is very appealing.
The returns, historically, have been around 10% per year. Which sounds…optimistic. But let’s assume it’s true. (Internal Monologue: Please, market, don’t let me down.) Then, the numbers start to get interesting. Here’s what I’ve calculated, assuming a 10% annual return:
| Number of Years | Amount Invested Each Month | Total Portfolio Value |
|---|---|---|
| 25 | $1,700 | $2.003 million |
| 30 | $1,050 | $2.073 million |
| 35 | $625 | $2.033 million |
| 40 | $400 | $2.124 million |
It’s…achievable. If I stick to it. (List of Things More Appealing Than Investing: Holidays, Chocolate, Napping. Number of Times I’ve Prioritized Those Over Investing: Too Many To Count.)
Of course, there are other ETFs. Growth ETFs, promising higher returns. But that feels…greedy. And a bit risky. I’m aiming for comfortable, not spectacularly wealthy. (Internal Monologue: Though a yacht wouldn’t go amiss…) The S&P 500 feels…sensible. Average returns, but a lower chance of losing everything. It’s the financial equivalent of sensible shoes.
The key, I think, is long-term thinking. It’s not about getting rich quick. It’s about building something solid, something that will provide a little security. A little peace of mind. (Number of Times I’ve Checked My Portfolio Today: 17. And Counting.) It’s a slow process, but maybe, just maybe, it’s worth it. Maybe, one day, I can actually relax.
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2026-02-26 19:22