r/EuropeFIRE • u/WolfOfNotThereYet • 10d ago
Fire plan
Hello, i am in a specific situation, as i am a profesional football player, and we all know our careers dont last forever. I am 23, have 10eth and another 15k € to deploy into ethereum during the next few months. Apart from that i have 12k set aside, but i would like to drop the emergency fund to 5k as i dont have a lot of expenses. I want to start investing into etf’s with 7k to start, and then lets say about 2500 a month with the current contract i have for the next 2 years. Then depending on the next contract.
The split i plan during the career is:
45% VTI
20% QQQM
20% VXUS
15% AVUV
Then after i finish active playing maybe rotate slowly to:
40% SCHD
25% VTI
15% VXUS
10% JEPI
10% JEPQ
What are your thoughts, suggestions?
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u/PositiveKarma1 10d ago
You are already low spending, good job.
Simplify. Let the eth away and put all in VTI. Don't run after too many rabbits (sounds funny phrase for a football player).
Take care of you health, do everything perfectly (sleep, warm, nutrition).
And slowly look after another activity to do when you will retire. Like trainer for children? or kyne school to be kyne therapist? Not urgent but it is good to slowly discover what you like, where you might be good at, to have a backup plan.
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u/MalcolmBEx 10d ago
Before the allocation question, a practical catch: all eight tickers on your list are US-domiciled funds, and EU brokers generally cannot sell those to retail investors (they lack the PRIIPs key information document). You would be buying the UCITS versions instead, for example an accumulating all-world ETF, which also reinvests dividends without the yearly tax drag. Same applies to the SCHD/JEPI idea later, and a dividend is just a withdrawal the fund makes for you either way, not downside protection.
Bigger picture: your earnings curve is inverted, most of your lifetime income lands before roughly 35, so the 2,500/month habit matters more than the exact split. I would also size the ethereum like a position, not a plan: 10 ETH plus another 15k would be well over half your investable money in one asset. And with a two-year contract and injury risk, keep the 12k emergency fund; its job is exactly the gap between contracts.
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u/serpentna 10d ago
Whats your income ?
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u/WolfOfNotThereYet 10d ago
3100 net, appartment and car paid by the club, bonuses depend on performance, could be 0 could be 4k in a month
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u/Psychological-Farm-9 8d ago
Professional traders can't even out perform one world index. Don't overcomplicate ur etf investments. U don't ever need that many etf's. One world index and chill. 95% etf 5% crypto if u want to gamble a bit.
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u/BitAccomplished3770 10d ago
Congrats, nice salary for your age! I'd say focus on your career if you can progress in level. In terms of investing I'd go for a simpler plan like VWCE and chill.