Highlights
- Celebrated my daughter’s birthday with a family trip to the Natural History Museum in London.
- Enjoyed a family cycling adventure along the Brighton coast.
- I bike to work every day to stay healthy and save money—this week I saved £5, which I deposited into my Trading 212 account as extra motivation.
Reflections
I Want to Be an Investor as My Career
This is not an escape—it’s a transformation.
Over the past months, I’ve undergone a deep internal transformation. From being a mechanical engineer, I am gradually becoming an investor. My passion is using money to make more money. In other words, I want to be, and already am, an investor. It’s an almost perfect, semi-passive job that doesn’t interfere with the traditional 9-to-5. You can do it in your free time—and that makes it perfect for me.
For a long time, I searched for my place in the world. Eventually, I realized what truly makes me happy in my professional life. For years, I thought my ultimate goal was financial freedom. But that’s only part of the truth. My real goal is to be the captain of my own ship. In a way, we all already are—because even when working a regular job, it’s like running a one-person company that provides services to your boss. If your services are too expensive or not good enough, your “client” won’t continue to use them—you’ll either lose your job or miss out on promotions.
Since I’m already running my “one-person company,” I want to work with the best people in the world.
Steve Jobs once said: “A players hire A players.” That stuck with me. Of course, I want to work with the best. Then it hit me: when you buy shares in a company still run by its founder, in a sense, that founder works for you.
And who is more motivated, focused, visionary, and wealthy than anyone else in the world? Elon Musk.
That’s why I decided to invest all my free capital into Tesla (see below).
what i’m working on
- Learning German every day with Duolingo – slowly building up my A1 skills.
- Giving our doors a fresh look – sanding, refreshing, and painting them one by one.
investments
- Bought FTSE Global All Cap Index Fund for £250.
- On Trading 212, invested £427.69 (all my pocket money savings) into Tesla.
£1K Passive Quest
My goal is to build a passive income of £1,000 per month. I aim to achieve this by the age of 57, when I’ll gain access to my workplace pension.
By following the 4% rule, withdrawing 4% annually from a £300,000 portfolio would give around £1,000 per month in passive income. This gives me a clear target to work toward.
I plan to accumulate this sum from three main sources:
- Workplace Pension – regular contributions and employer matches that will grow over the years thanks to compound interest.
- ISA – FTSE Global All Cap Index Fund – a simple, long-term way to grow savings with minimal risk.
- ISA – Stocks & Shares via Trading 212 – I invest my pocket money in various instruments.
With these three sources and a consistent investment strategy, I have a clear plan to reach my concrete financial goal – building a stable passive income that gives me more financial freedom.
The Workplace Pension actual performance has outperformed the expected 7% return by 5.3%, and I have already accumulated 21.85% of the target amount in this source.
The ISA – FTSE Global All Cap Index Fund actual performance has outperformed the expected 10% return by 10.3%, and I have already accumulated 11.1% of the target amount in this source.
The ISA – Stocks & Shares via Trading 212 actual performance has outperformed the expected 8% return by 1.6%, and I have already accumulated 1.68% of the target amount in this source. A significant drop occurred after buying Tesla, but I expected this since it is a very volatile asset.
In total, across all three sources, I have already accumulated 17.165% of my target amount, which could currently generate around £175.8 per month from the planned £1,000, if I had access to my workplace pension.
Summary
This month I celebrated family moments, started learning German, and made progress on my investments. My £1K Passive Quest is moving forward. Steady investing and consistent effort are bringing me closer to my goal.