Build your €10,000 Investment House.
Most people's first portfolio is a guess. This is a way to see it instead: lay a foundation, stack bricks of different risk, and watch what €10,000 could become over 10, 20 or 30 years.
Foundation first. Then bricks. Then time.
Lay the foundation
Three to six months of expenses in a savings account before a single brick goes down. This one's not negotiable; it's what stops you selling at the worst moment.
Stack your bricks
Fifteen instruments: cash, bonds, gold, core ETFs, sector and thematic funds. Each is colour-coded by risk. Darker bricks swing harder, both ways.
See your future value
The projection updates as you build: 10, 20 and 30 years, using approximate 10-year average annual returns. Then you can analyse the house and start over.
Build your house.
Your emergency fund is your base.
Pick instruments and choose how much of your €10,000 goes into each.
Add your first instrument to see the 10, 20 and 30-year picture.
Hover or tap an instrument to learn more, then choose how much of your €10,000 goes into it.
Approximate 10-year USD averages. Past performance does not guarantee future results. Educational only, not financial advice.
Ready to build the real one?
The tool uses round numbers and average returns. Your life doesn't. In a coaching session we build it with your actual income, goals and timeline, and you leave with a plan you understand.
This tool is for education only. Luca Caruana is a Certified Money Coach, not a licensed financial adviser. Nothing on this page is financial advice or a personal recommendation.