INVESTMENT PROGRAMME
The investment programme brings together:
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One-year portfolio overview
The model uses average monthly results from the investment challenge. Membership fees, upgrades, renewals and other payments are excluded. All profits are reinvested.
Start investingThe entire selected amount works in the portfolio. Membership fees, upgrades, renewals and other payments are not deducted.
Each strategy uses its average monthly return over the entire investment challenge. That same average is applied to every modelled month.
Your initial portfolio depends on the amount invested:
New strategies are added as your capital grows.
With capital of at least $5 000 this high-return strategy joins the portfolio: GOLD.
Profit distribution:
| Strategy | Before profit sharing |
|---|---|
| CAD | 3% |
| CHF | 7% |
| GOLD | 31% |
Average portfolio return for the selected amount, based on past results: —.
Each month’s profit is added to capital, so the next month’s return applies to a larger balance. Reinvestment cannot be switched off in this mini calculator.
Standard portfolio proportions are restored when strategies are added and during scheduled reviews.
Income for the period equals final capital minus the starting amount. The effective return is total income divided by the starting amount, multiplied by 100%.
Displayed amounts and percentages are rounded to whole numbers. Calculations retain precise average returns and account for money to the cent.
In the full calculator includes payments. You can set monthly contributions, reinvest all or part of your income or switch reinvestment off, and add stock-market assets.
This mini calculator models passive strategies only. Adding a stock portfolio generally increases total income.
The maximum amount here is $100 000. For larger amounts, use the full calculator: from $100 000 a conservative strategy is added to reinforce the portfolio.
Data source: investment challenge. Past performance does not guarantee future returns. Financial-market investments involve significant risk.
Statistics are temporarily unavailable. Refresh the page or open the full calculator.
In your own account with a licensed broker. Only you can add or withdraw funds.
No limits. Your opportunities grow with your capital. Expand your portfolio. 18+ strategies. 3m+ assets.
15 years The community grows through residents who confidently recommend it to people they know.
Create your investor account with iPO COMMUNITY.
Your plan depends on your budget.
The most popular plan starts at $3 000:
It provides access to the high-return Gold strategy and a three-strategy portfolio.
| Budget from | Plan | Working capital up to | Protection against an income shortfall |
|---|---|---|---|
| $1 500 | $500 | $5 000 | Plan fee + 50% of the assessment base |
| $6 500 | $1 500 | $6 500 | Plan fee + 50% of the assessment base |
| $8 000 | $3 000 | $50 000 | 100% of the assessment base |
| $54 000 | $4 000 | $100 000 | 100% of the assessment base |
| $105 000 | $5 000 | $300 000 | 130% of the assessment base |
| $307 500 | $7 500 | $500 000 | 130% of the assessment base |
| $510 000 | $10 000 | $1 000 000 | 130% of the assessment base |
| $1 015 000 | $15 000 | $2 000 000 | 130% of the assessment base |
Income protection waives a community resident’s next annual membership fee until the specified trading income is reached. Renewal is due no earlier than one full year. The assessment base is capital at activation plus contributions in the first six months; profits do not increase it.
Protection applies only while the minimum balance requirement is met. The investor’s contributions during the first six months establish that minimum. Trading results do not change it; withdrawals are the relevant factor. After a withdrawal, the account balance must not fall below the minimum.
Budget means the plan fee plus the minimum recommended investment.
For capital above $2 000 000 the annual plan fee increases for each additional million by $10 000.
For example, with an investment of $2 000 000 the annual plan fee is $25 000: $15 000 for for the first million and $10 000 for the next.
We handle the account opening process. You sign the prepared documents and complete video verification.
Allocate your funds across strategies using the algorithm’s recommendations.
Your accounts connect to the strategies straight away. Add funds or withdraw profits whenever you wish.
Personal accounts of members.Professional management.Open statistics.
Transparent structurefrom the very start.
The global investment community iPO COMMUNITY brings together participants and companies that organise the investment process. Each has a distinct role. Together, they form one integrated investment system.
The community was created to give members access to strategies from leading global investment funds.
Typical requirements for investing directly in these funds:
These terms are accessible only to the global elite — less than 2% of the world’s population.
iPO COMMUNITY acts as an “umbrella” for members. Funds see them as one investor with substantial capital, opening access to strategies that are virtually inaccessible individually.
Organises the entire investment process from start to finish: helping open accounts, build a portfolio and resolve practical issues.
Builds and improves the investor account and services. Supports members at every stage, from their first steps to ongoing portfolio management.
Open and maintain investors’ personal accounts. Connect them technically to a shared management system so members can use investment-fund strategies.
Throughout, always stays in your own account — it is never transferred to iPO COMPANY or the funds.
Protecting community members’ interests.
The community is not affiliated with brokers or investment funds. Our purpose is to serve investors, so protecting their interests always comes first.
13 analysts study markets and identify promising investments. They provide mentoring for investors who want a deeper understanding of investing and to analyse markets independently.
Two analysts run private Telegram channels. Members receive information on promising high-growth assets, entry points and target zones.
Independent experts belong to the community and use its investment opportunities themselves.
They speak at online and in-person events, share experience and introduce their audiences to the community. You gain access to their knowledge and approaches. For deeper learning, the community recommends experts and their educational programmes.
Residents are the heart of iPO COMMUNITY. Their conversations, meetings and recommendations transformed a company’s circle of investors into a true community.
Their trust and recommendations bring in new investors. As the community grows, opportunities grow for every member.
At the centre is the resident: their interests, their capital and their future.
The iPO COMMUNITY structure and its investor opportunities are unique: unmatched anywhere in the world.
See the strategies in action. Results come from our public #челлендж_показываем_счет@ipocommunity. You can check them yourself at any time.
| Month | CAD | CHF | Gold |
|---|
No reinvestment: profits are withdrawn each month. Returns are shown before profit sharing. Past performance does not guarantee future returns.
Yes. If an existing investor did not introduce you to the community, you can request a meeting through the programme "Investor Advisors".
An existing investor will share their experience, journey and results, and answer your questions. Hearing directly from a participant can help you make a more informed decision.
Your investment capital is held in your own account with a licensed broker. Deposits and withdrawals follow your instructions.
The account uses investment fund strategies proven by many years of practice. iPO COMPANY organizes access to solutions and support.
The community offers protection against an income shortfall. If the income level specified by your programme has not yet been reached, the resident is exempt from the next annual membership fee until the protection conditions are met.
The income target, assessment capital and treatment of contributions depend on your plan and programme. Protection waives the resident’s next annual membership fee; investment returns remain market-dependent.
Protection applies only while the minimum balance requirement is met. The investor’s contributions during the first six months establish that minimum. Trading results do not change it; withdrawals are the relevant factor. After a withdrawal, the account balance must not fall below the minimum.
The reserve component is support prepared in advance for periods of high market volatility.
A reserve is held in a separate account with the same broker: 10% of total working capital, or more if the investor chooses. It forms part of your allocation and helps support positions without having to find extra money during market volatility.
Investment capital is located in the member's brokerage account. The very termination of iPO COMPANY does not mean the closure of this account.
The member retains access to his account and the ability to directly contact the broker regarding servicing and withdrawal of funds.
International brokers.Verifiable licences.Additional protection.
Your money, in your accounts
iPO COMMUNITY residents hold funds in personal accounts with two licensed broker partners. The broker is chosen according to the resident’s country. iPO COMMUNITY never receives investment capital into its own accounts.
International broker PepperstonePepperstone was founded in Melbourne, Australia, in 2010 by Owen Kerr and Joe Davenport. Today it serves over 900,000 clients in 150 countries.
Pepperstone holds nine government licences, meaning nine countries have verified the broker’s reliability.
Check Pepperstone’s licences yourself in the regulators’ official registers.
ASICAustralia№ 414530
BaFinGermany№ 151148
FMAAustria
CySECCyprus / EU№ 388/20
FCAUnited Kingdom№ 684312
DFSAUAE — Dubai№ F004356
SCAUAE№ 20200000358
CMAKenya№ 128
SCBThe Bahamas№ SIA-F217Here is how to find and verify the licence:
To download the file directly from the regulator’s website, follow this link.
To download it yourself, click SIA Registrants under the heading Securities Industry Act, 2024 (SIA). A PDF list of companies will open.
Client funds are kept in segregated accounts: separate bank accounts, apart from Pepperstone’s own money.
Lloyd’s of London insurance — additional protection against broker insolvency and technical failures, up to one million dollars.
Eligible European Pepperstone clients participating in the ICF scheme may receive compensation of up to 20 thousand euros subject to the scheme’s terms.
International broker ICON FXICON FX is an Australian broker. It began as a subsidiary of MYFX Markets, founded in 2013. In 2024, the founders separated the businesses and ICON FX continued independently.
ICON FX focuses on technology and speed, ranking among the world’s leading brokers in these areas.
ICON FX holds three government licences, meaning three countries have verified the broker’s reliability.
Check ICON FX’s licences yourself in the regulators’ official registers.
ASICAustralia№ 650709265
FSASeychelles№ SD202A direct link to this register entry is unavailable. Here is how to find and verify it:
SVGSaint Vincent and the Grenadines№ 3251A direct link to this register entry is unavailable. Here is how to find and verify it:
Client funds are held in segregated bank trust accounts, separate from ICON FX’s own funds.
Privileges.Personal route.Two levers of capital growth.
Exclusive access, a personal roadmap and two levers of capital growth.
Professional strategies while retaining control of your capital
Compare the models → scroll the table to the right
| Criterion | Resident investments | Traditional fund |
|---|---|---|
| Where your money is held | In your own accounts | With the fund |
| Strategies | Professional strategies | Professional strategies |
| Risk if the company closes | None: funds remain in the investor’s own accounts and are not transferred to the company | High; the entire investment could be lost if the fund goes bankrupt |
| Account control | Full, online | None |
| Ability to stop immediately | Immediate | No |
| Transparency | Maximum | Minimum |
| Response to risk | You decide | Fund manager |
| Risk of loss | Market risk exists in both models | |
| Legal protection | Community legal support and collective strength | The investor faces the fund alone |
| A realistic chance of defending your position | Yes | Minimal |
| Checking results | View your account online | Through reports |
| Flexibility | High | Low |
| Minimum investment | Low | High |
From an investor’s practical perspective the iPO COMMUNITY model is stronger for control, transparency and protection of funds. Funds only have an advantage in formal structure, which offers little practical help.
Market risk exists in every investment model, but in a fund the investor has virtually no control over it.
For a hands-on investor, control over money matters more than a fund’s formal structure.
Every community resident receives a personal investor roadmap with clear steps.
A mentor-led assessment takes your income, expenses, goals and resources into account to build a personal investor roadmap.
You gain access to investment solutions, residents’ experience and mentor support. Above all, you receive a ready-to-use investment system, proven over years by tens of thousands of people.
Your journey starts with the resources available to you. A mentor helps you plan your savings, while the community’s partnership opportunities provide additional income to build your capital.
Your savings become working capital in your personal brokerage account. The community helps you open the account and connect your first strategy. Your money works for you.
Your capital gains several sources of growth. You allocate funds across at least two accounts with different strategies, using the community’s ready-made solutions.
GOLD gives your portfolio a way to accelerate growth in capital. A higher potential return can bring you closer to your goals.
Your capital participates in the growth of global businesses. Shares, for example, let you participate in the results of companies whose products you use every day. Community analysts help identify investment ideas, providing another driver of capital growth.
Basic living costs are covered by investment income: everyday spending no longer depends solely on your work. You and your mentor calculate the capital needed to reach this stage.
Investment income covers two basic budgets: one for living, the other for further capital growth. At this stage you can stop adding money from your own income and start live entirely on passive incomewhile reinvesting part of it to keep growing your capital.
Major purchases become part of the planinstead of forcing you to start saving all over again. You and your mentor plan how to pay for what you want while preserving income-generating capital.
One million dollars is your personal capital milestone. You and your mentor turn this goal into a step-by-step plan, using the community’s investment and partnership opportunities.
A comfortable standard of middle-class living: a spacious family home without an ongoing mortgage; a car for each adult; children’s education; quality healthcare. Travel when you want, rather than only when you can afford it.
You decide where to live, how much to work and how to spend your time. The capital you have built supports your chosen lifestyleand your professional activity becomes a choice. This is where your personal investor roadmap leads.
Once a year community residents update their budgets, goals and investment plans with a mentor. You review your progress and receive an up-to-date plan for your next steps, reflecting new opportunities and changing priorities.
Where are you on your journey?
Discuss where you are now and what comes next with an AI mentor.
Your savings, regular contributions and investment returns build your capital.
You introduce investment opportunities to people you know and receive partner rewards under the marketing plan.
Affiliate rewards can be sent to your own investment account — to replenish capital and expand your portfolio.
The Investor Roadmap game by iPO COMPANY: the demo already includes a mentor session; the guided game board is in development.
Get demo access to the gameLoading calculator…
Minimum starting budget: $1,500
You don't have to put in the full amount at once. You can pay for your plan in instalments and build up your investment account at your own pace.
If your budget is very limited, this story shows what is possible. Nikolay also started from scratch: he first paid the plan in small amounts, then replenished his own investment account. It took him a little less than a year to raise the minimum amount and launch investments.
This testimonial was recorded over two years ago. Nikolai now has an active investment portfolio. He took his first step from zero. You too can start with an affordable amount and move at your own pace.
View other reviews on YouTubeInvestment account balances are held in US dollars. Historically, dollar appreciation against some national currencies has increased the local-currency value of these savings. If your currency weakens against the dollar, their local value rises even before strategies start. This effect depends on exchange rates.
One of our missions at iPO COMMUNITY is to open up investing and make quality investments accessible to everyone. Historically, access to quality investments has been limited to the financial elite — around 2% of the world's population. For 15 years, we've worked to give everyone access to reliable, profitable investments.
In the community there are several paths to your capital — even with small starting opportunities. Choose the one that suits you and move step by step. We created these opportunities for you at iPO COMMUNITY. Your capital starts with your decision to act.
The model is based on the results of the investment challenge and stock portfolio statistics. Payments for upgrades and extensions are included in the final capital.
Start investingThe investor's task is to make the most of compound growth, and to find additional sources of income that will increase his capital.
These five principles can substantially increase your investment income.
| For the selected period | Now | With new parameters |
|---|---|---|
| Final amount | — | — |
| Trading Income | — | — |
| Contributions for the entire term | — | — |
Both scenarios use the same time horizon and challenge months. Contributions are your own money and are shown separately from earned income.
Let all your income work again. Reinvested earnings add to capital, increasing both working funds and trading volume.
Now every dollar earned also participates in trade and can bring profit. You return this profit to your work — and it also begins to earn money. This is compound interest: the money you earn helps you earn new ones.
Profitability is not fixed: trading results change. But at the same interest rate, more capital gives more profit in money.
✓ Full reinvestment is already enabled.
Until you reach financial security, add an affordable amount from other income sources. Regular contributions increase the capital available for further trading.
Compare the results over a longer period. Compound interest increases over time.
Let the animation finish, or click the chart's final month to see compound growth.
Do not put all your capital into one strategy. More accounts and investment areas become available as the portfolio grows. Stocks can be added from $16,000. At $100,000, conservative gold reinforces the portfolio whether or not stocks are enabled.
From $100,000, half the passive capital moves to a conservative gold strategy focused on preservation. Its modelled return is 30% below regular GOLD. With stocks at 20%, conservative gold holds 40% of total working capital; the other 40% remains across the three original strategies.
For any positive reinvestment share, the portfolio is reviewed 6 months after the previous redistribution. Contribution is sent to where there is a lack of funds according to the portfolio structure, without transfers between already operating accounts. It does not trigger redistribution and does not reset the semi-annual countdown. Upgrades, extensions and changes to the set of strategies are taken into account separately. The calculator uses a recommended structure that has been developed over 15 years. Changing shares yourself can change the portfolio's risks.
The fund side complements passive strategies. Target share — 20% of capital in operation; To complete it, the income of passive accounts is used, even if reinvestment is disabled.
The model for this part is set to double in 6 months. The logic behind this model scenario is based on the past performance of a stock portfolio. Past statistics do not guarantee the same results in the future.
✓ The stock portfolio is already included in the scenario.
Your connections, experience, and trust are social capital. It can be a more powerful lever for growth than working with just your own money.
Recommend the community and receive affiliate payments not only from personally invited investors, but also from their invitees - through level 6 of your networkunder your plan’s terms.
Start with five personally invited investors. If at least two also invite others, shared recommendations can keep your network growing. Income from this network could exceed the income from your own investments.
You decide for yourself what part of the affiliate payments to allocate to your investment portfolio. Replenish it from this source and put the earned money to work — this is how social capital helps to build up financial capital.
At iPO COMMUNITY, investors have been combining financial and social capital for 15 years.
Build capital of $500,000–$1,000,000 in one to three years. Explore the marketing plan to see how to earn through your network and build a partner structure. Results depend on your actions and ambitions.
Explore the compensation plan →Enable full reinvestment and monthly contributions. The chart will replay, showing monthly income, capital growth and plan fees paid from the accounts.
plan extension is payable at the beginning of the next annual periodif passive strategies have already met the plan’s conditions. Every plan includes income-shortfall protection; the $500 and $1,500 plans cover the plan fee plus 50% of the protection base.
On the $500 plan, a second strategy costs $250 once passive accounts reach $2,250. Renewal is $500 plus $250 for that strategy. This extra payment neither resets activation nor raises the recovery target: $500 plus 50% of the protection base. At $5,000 in passive accounts, the $1,500 plan applies and already includes two strategies.
Income from the stock portion is not included in the plan.
The base is passive-account capital recorded at plan activation, plus your contributions in the first six months. Only additions are added to the base: income received during this period does not increase it.
To maintain coverage, self-directed withdrawals must not reduce the balance below this base. Trading fluctuations and internal portfolio transactions are treated separately. Self-inference is not modeled in this calculator.
The result depends on the profitability of the strategies, the investor's share in the distribution of profits and the composition of the portfolio. Upgrades and extensions of the plan reduce the value of the portfolio at the time of payment. If there are less than 3 months left until the end of the selected period, the upgrade is not performed. But this fee retains access to the strategies, and the upgrade expands the capabilities of the portfolio, helping to increase its potential profitability and sustainability. To evaluate this effect, try increasing the investment period to at least 2 years. These transactions are disclosed in the history of portfolio changes below the chart.
Income you don't reinvest stays in the portfolio value, but isn't used for further trading. You can change the reinvestment share and the amount and frequency of contributions in the calculator settings.
The model repeats the challenge's historical monthly results in a cycle. Use it to compare scenarios, not as a promise of future income. Reinvesting doesn't remove the risk of loss, so keep a reserve for your everyday expenses.
Model based on the monthly results of the challenge: June 2025 — September 2026. For a longer period, history repeats itself in a circle. The script starts from the current date. Check the challenge results.
Reinvestment adds every earned dollar back to working capital, allowing profits to earn further profits: compound growth. Without reinvestment, income remains in the portfolio separately from working funds.
Reinvestment percentage can be changed .
You can select another frequency .
See how compound growth works over 2, 3, 4 or 5 years.
To see the effect, wait until the end of the animation or click on the last month of the chart.
The community offers instalments: you gradually pay the plan fee of $500and then build, at a pace that suits you, $1,000 in your first investment account. You do not need the full amount upfront.
Many community investors started by paying in instalments. Nikolai is one of them. In the video, he explains how he paid the plan fee and built his first capital through small contributions.
Starting serious investing is a big step. Building your first capital takes discipline and time.
Then momentum builds: compound growth helps you move forward. First comes financial security, when investment income covers monthly expenses. Next come core assets and a comfortable middle-class lifestyle. Financial freedom is the next stage.
Time will pass anyway. Start now so your capital can work more for you with every step.
A portfolio needs several pillars, just as a table needs several legs. One strong leg does not make a table stable. Several supports help if one fails. In investing, this is diversification: spreading money across strategies reduces dependence on any single one.
Gold can generate high returns, but it works intermittently. The strategy waits for a suitable market signal. If there is no signal, it does not open a trade — at this time there may be no income from it. Currency strategies usually pay less, but they can make money while the gold waits. This way the portfolio has more opportunities to earn income in different months.
A stock portfolio takes time. Shares can bring more profit, but you have to wait for the results: often from 3 to 6 months, sometimes a year or longer. It is impossible to predict the exact date in advance. Therefore, for current expenses, it is more convenient to have passive strategies, from which you can receive funds more often without waiting for the sale of shares.
The main purpose of diversification is to protect your capital. The market cannot be predicted accurately. Even a strategy that has worked successfully for a long time may face losses. If all the money is in it, all capital is at risk. If only part of it, other strategies may continue to work and help mitigate losses. But distribution cannot completely eliminate losses.
Therefore, we combine profitability and sustainability. Gold helps build capital, currency strategies add other sources of income, and a stock portfolio provides growth opportunities over a longer period. Together they give the portfolio multiple supports instead of just one.
It is this approach that has been helping investors in our community for 15 years to receive regular passive income and increase capital step by step. Behind this result is the work of the entire portfolio: the strategies complement each other and help you move more confidently towards financial freedom.
Yes. The calculator’s returns come from actual investment accounts published in our open challenge.
We deliberately avoided broad averages or outdated annual figures. We used the latest eighteen months, starting in June 2025, when the public challenge began. You can check the underlying figures yourself.
Open the post and tap the hashtag #челлендж_показываем_счет@ipocommunityto see the challenge results. Compare them with the calculator’s percentages and assess the system using public results before making a decision.
The monetary amounts in the calculator are simulated for the selected portfolio. Actual returns vary by market; Past performance does not guarantee future performance.
During the open challenge, which has been running since June 2025, none of the three presented strategies closed the month with a loss. This is the result based on the results of the months; Within a month, the cost of the account may fluctuate.
The control algorithm for each strategy contains the following standard: under normal market conditions, use no more than 10% of the account capital in trading. This is precisely the share of capital employed. When the market deviates, it may increase briefly.
Protection is built on several levels:
It is thanks to this management system that not a single investor who strictly followed the recommendations for creating and distributing a portfolio lost their assets.
Over fifteen years, we have shared performance in different ways, previously through reports. Below are the 2021–2023 USD/CAD report, the 2025 GOLD report and a screen recording of MyFXBook account history.
MyFXBook is a trading-account analytics service. I can use it to check whether an account is demo or real. Its metrics are calculated accurately, which is why professional investors and traders trust it.
We include a MyFXBook screen recording so you can confirm that the account is real and review its full history.
Click a report to open it and download it through the PDF viewer. The screen recording plays directly on this page.
Yes. If an existing investor did not introduce you to the community, you can request a meeting through the programme "Investor Advisors".
An existing investor will share their experience, journey and results, and answer your questions. Hearing directly from a participant can help you make a more informed decision.
Our community has developed above all through recommendations from current members. New members joined through personal recommendations and the experience of existing members. That's why our focus wasn't on social media promotion or growing a follower count.
At the same time, our social networks are maintained since 2015. They hold an archive of events and milestones in the company’s and community’s development, letting you explore our history long before you first heard about us.
Judge the community by its history, public results and residents’ experience. The archive and investor testimonials give a fuller picture than follower counts.
This is a scheme in which payments to previous participants are provided primarily by the money of new participants, rather than by income from independent economic activity.
They need a constant flow of new money to continue paying. When it is reduced, there is no way to pay the promised income. Participants may lose both expected profits and invested capital.
Therefore, the main question is where does the money for payments come from and does the operation of the system depend on the constant appearance of new participants.
Investment capital is located in the investor's personal account with the broker. You do not hand it to the company or other residents to distribute among members.
Capital is involved in actual transactions in financial markets. The operation of already opened accounts does not require the constant appearance of new investors.
Partner rewards for growing the community have their own clear sources:
Investment funds of new members are not used to pay previous participants.
Scam is a fraud: for example, when, under the guise of investments, they collect money, hide their movement, show fictitious results or mislead about the conditions.
Therefore, we suggest checking specific things:
Our system works 15 years. You can get acquainted with it not only through the presentation, but also through the experience of investors who have been cooperating with us for 2, 3, 5, 10 and 15 years.
If an existing investor invited you, discuss their personal experience and results. Otherwise, you can request a meeting through the “Meet an existing investor” programme.
Over 60% of our community’s investors are Muslim. Growing capital while following halal principles matters.
The community’s investment opportunities follow halal principles and Islamic finance rules. The video “Halal investments: how to check” examines the approach in the Quran and Islamic law to checking strategies, choosing a broker and managing risk.
Watch the explanation to understand our approach and discuss the chosen strategy’s terms with your Islamic finance adviser.
The reserve component is support prepared in advance for periods of high market volatility.
A reserve is held in a separate account with the same broker: 10% of total working capital, or more if the investor chooses. It forms part of your allocation and helps support positions without having to find extra money during market volatility.
The reserve prevents the need for emergency account top-ups during high volatility. How it is used depends on the strategy and broker’s terms.
The first major goal is financial security: investment income covers your basic monthly expenses. You and your mentor identify the capital needed and include it in your roadmap. Until then, contributions from other income sources help you progress faster.
If you stop contributing and withdraw all profit, earnings no longer increase working capital. Residents therefore usually continue adding money until the next milestone: income covering two basic budgets.
One portion supports your life, the other grows capital. You can then stop contributing from other income: the portfolio covers expenses and keeps growing through reinvestment. The larger the capital and the longer the horizon, the stronger compound growth becomes. Explore this in the calculator.
You decide whether to remain a passive investor or pursue other work to fund major purchases and reach your preferred lifestyle sooner. Returns vary; review your plan with your mentor.
