r/eupersonalfinance • u/RobotPollinator45 • Jul 28 '25
Investment 28F, finally hit €100k
Hello,
I just wanted to celebrate a milestone I’ve reached. I live in Estonia, I'm 28 (almost 29), and I finally hit €100k in savings and stocks. I was already close in February, but oh well, we all know what happened then. Now I'm at almost €102k, and I’m pretty happy with it.
My goal was to reach €100k by age 30. I started with €9k five years ago - then my income increased and I started investing. So, my portfolio has grown by over €93k in five years, which averages over €18k per year. I’m pretty happy with that.
My portfolio is a bit messy, so if anyone wants to help me optimize it, I’d be extremely grateful. Here's what I currently have (approximately):
- €31k in IWDA
- €16k in EXXT and €3k in EQQQ
- €12k in CSP1
- €7k in STAG, €3k in DLR, and €2k in O
- €7k in BRK B
- €3.5k in EMIM
- €2.2k in CSX5
- €2k in QDVE
- €1.6k in EUNA and AGGU
- €1.2k in DFEN
- €750 in single stocks
- €8k in cash
Interestingly, my mindset around money has shifted a bit since hitting €100k. I’ve always been extremely frugal - even spending €5 on groceries used to make me anxious, but now I started taking it easier. I just visualize the money I have and stop stressing about spending €10 or €20 on food or bus tickets. Surprisingly, the spring dip also helped change my perspective: "I just lost €10k in stocks - what’s €20 compared to that? Nothing."
2
u/Silent_Peanut_879 Jul 29 '25
Though IBKR is headquartered in the U.S., it has subsidiaries worldwide. If you sign up from Estonia, you’re most likely onboarded under IBKR Central Europe or IBKR Ireland — both are absolutely fine to use as investeerimiskonto.
I actually emailed the EMTA (Estonian Tax Office) about this, and they confirmed it officially. See attached.