Month 1Oct 2026 · so far
I'm not a specialist. I'm just not skipping a month.
Investing in the S&P 500 and Bitcoin, every month, in public
Worth on 14 Oct 2026193,94 €
197,97 € put in · -4,03 € (-2,0%)
My money 197,97 €The market took 4,03 €
1month in a rownever skipped
Month 1 so far: 98,97 € S&P 500 · 99 € Bitcoin · closes 31 Oct 2026
One block per month, one row per year. Red = a month I closed below what I'd put in, and bought anyway; outlined = bought, waiting for its close.
Kick-start.
This is the kick-start. I bought about 100€ of each basket: S&P 500 and Bitcoin. From here there is no coming back. It's a matter of keeping the consistency, without thinking too much about it.
Bought 48,99 € of S&P 500 at 135,04 € · 49,50 € of Bitcoin at 76.110,39 € (+0,50 € fee) · 49,98 € of S&P 500 at 135,15 € · 49,50 € of Bitcoin at 75.934,12 € (+0,50 € fee)
| Asset | Put in | Avg buy | Price now | Value | Return | Share |
|---|---|---|---|---|---|---|
| S&P 500XTB · 0,7326 units | 98,97 € | 135,09 € | 135,15 €14 Oct · my buy | 99,01 € | +0,04 €0% | 51% |
| BitcoinKraken · 130.237 sats | 99,00 € | 76.015 € | 72.888 €14 Oct | 94,93 € | -4,07 €-4,1% | 49% |
| Total | 197,97 € | 193,94 € | -4,03 €-2,0% | 100% |
| XTBS&P 500 | KrakenBitcoin | Total | |
|---|---|---|---|
| Held | 0,7326 units | 130.237 sats | – |
| Put in | 98,97 € | 99,00 € | 197,97 € |
| Avg buy | 135,09 € | 76.015 € | – |
| Price now | 135,15 €14 Oct · buy | 72.888 €14 Oct | – |
| Value | 99,01 € | 94,93 € | 193,94 € |
| Return | +0,04 €0% | -4,07 €-4,1% | -4,03 €-2,0% |
| Share | 51% | 49% | 100% |
Put in is what actually got invested. Fees paid so far: 1,00 €, listed with each buy but kept out of what I put in and out of the returns, so these numbers show only what the market did. Avg buy is what one unit cost me on average, across every buy.
Price now: Xetra close of VUAA, via Yahoo Finance (VUAA.DE); Kraken daily close, BTC/EUR (UTC days), updated daily. Until a close comes in after a buy, that buy's own price is used. The monthly figures below use my own month-end closes.
In the apps, after the Oct 2026 buy
Month-on-month %
Both together-2,0%≈ -21,9% a year
S&P 5000%≈ +0,5% a year
Bitcoin-4,1%≈ -39,6% a year
Put in per month
Both together197,97 €
S&P 50098,97 €
Bitcoin99 €
Month-on-month % is the steady monthly growth that would have ended in the same place since month 1, not counting the money I add. Put in per month is everything that got invested (fees aside), divided by the months so far (a skipped month counts as 0 €). Both are averaged over 1 month, including Oct 2026 so far at today's prices until its close on 31 Oct 2026.
Money put inWorthProjected at my average MoM % (-2,0%)
- Projected with my own numbers so far: an average MoM % of -2,0% and an average contribution of 197,97 € a month. Both update with every close, so if what I put in changes, the projection follows.
- In 10 years (2036), 23.954 € put in becomes about 8.736 €.
- At this pace, the market never adds more in a month than my 197,97 €.
The solid lines are what happened; the dashed one is an assumption, not a promise. It rests on 1 month of data, the last one only up to 14 Oct 2026: far too few to trust yet. It settles as the months add up.
- 1Every month, buy the S&P 500 ETF and Bitcoin, the same amount of each.On the 1st, no timing the market. The amount can change from month to month.
- 2Never skip a month.Up or down, busy or not, the buy happens. A skipped month would show on this page and break the streak.
- 3Never sell.Not in a crash, not in a rally.
- 4No end date.I keep buying every month, for years. That is the whole idea.
- 5Show every number.Screenshots from both apps every month.
- 6Nothing here is advice.It's one person's monthly experiment.
The announcement · 15 Oct 2026
https://x.com/tomalbum_/status/2110801769530106165