01 · Current Financial Situation
Income and Liquid Assets
The clients maintain a highly secure financial position with significant monthly cash flow and well-established emergency reserves. Their current free monthly income leaves ample room for structured long-term investments without compromising lifestyle.
02 · Existing Assets
Current Portfolio Structure
Over the past 8 years, the clients have consciously built a diversified portfolio. They possess a strong foundation in both real estate and liquid investments. They have already secured adequate short-term emergency funds, meaning new investments can be strictly directed toward long-term growth.
| Asset Class | Details / Value |
|---|---|
| Real Estate | 2 properties (Own residence + 1 investment property) |
| Liquid Portfolio | ~200,000 EUR Total |
| Cash & Bank Deposits | 40,000 EUR + 80,000 RON (Emergency reserves) |
| ETFs | 65,000 EUR (Global diversification) |
| Individual Stocks | 50,000 EUR (Self-managed) |
| Revolut Holdings | 20,000 EUR (Mixed assets/crypto) |
03 · Primary Goals
Retirement & Financial Independence
Identified Objectives
- Carefree Retirement: The primary goal is achieving financial independence for their retirement years.
- Target Income: They estimate needing approximately 6,000 EUR per month during retirement to maintain their desired lifestyle.
- Healthcare Provision: Setting aside capital for potential future health and medical expenses.
- Travel: Funding long-term lifestyle goals, specifically highlighting a desire to travel (e.g., Norway).
04 · Investor Profile
Experience & Risk Appetite
Investment Experience: The clients possess practical experience with the stock market, having managed individual stocks, ETFs, and Revolut portfolios over the past 8 years.
Decision Making: Despite their experience, they acknowledge that they do not use a fully automated system. As stated in the consultation: "We have some experience, but when it comes to important decisions, we gladly seek advice."
Behavioral Patterns: They are proven to be persistent savers over long periods, but their current self-directed approach lacks rigid structure, leading to occasional months where manual investments are skipped or postponed.
Risk Tolerance: Given their established wealth foundation and 10–15 year horizon, they have the capacity for growth-oriented investments, provided the strategy is structured and properly managed to achieve their retirement targets.