Live ยท XTB ยท 2026

Building an
investment portfolio
in public.

Every zloty comes from building websites.
Every decision is transparent. Every mistake too.

Full transparency. From day one. Watch how it looks from the inside.

730.68
Portfolio value (PLN)
+2.77%
Return since start
3
ETFs held
0 / 100
Websites completed

โ†ณ This is not investment advice. This is a public learning journal. You act at your own risk.

01 / Current portfolio ยท 16.04.2025

Live portfolio

Portfolio composition ยท 3 positions ๐Ÿ“ธ XTB screenshot ยท 16.04
Semiconductor ETF
SMH.UKVanEck ยท 29.15%
212.99 PLN
+3.03 (+1.44%)
AI and Big Data ETF
XAIX.DEXtrackers ยท 20.09%
146.76 PLN
+6.68 (+4.77%)
NASDAQ 100 ETF
XNAS.DEXtrackers ยท 49.43%
361.15 PLN
+9.97 (+2.84%)
AllocationTech ETFs
3 ETFs
NASDAQ 10049.43%
Semiconductor29.15%
AI & Big Data20.09%
XNAS.DE
49.43%
SMH.UK
29.15%
XAIX.DE
20.09%
XTB My broker โ€” I use XTB. The simplest place to start โ€” investment account, commission-free ETFs up to the monthly limit. โ†’
Portfolio value
730.68 PLN
As of: 16.04.2025
Total return
+19.68 PLN
+2.77% since deposit
Total deposited
711.00 PLN
Invested: 701.22 ยท Cash: 9.78
Progress toward goal
730 / 99,000 PLN
0.74%99,000 PLN
Websites completed
0 / 100

Data updated manually after every transaction. XTB screenshots attached to every change.

02 / About the project

Where this all
comes from.

My main business is 12stopni.pl โ€” a furniture rental company for events. That's my livelihood. This project is something completely different, running alongside it.

I ran a marketing agency for years. I understand how to build for people โ€” briefing, listening, communication. It's something I use every day, and it's reflected in my Gallup StrengthsFinder results. That background is exactly why I chose web design as the income source for this project.

The idea is simple: I earn from building websites for businesses through webopole.pl, and every single zloty of profit goes into an investment account. Not for consumption โ€” for capital.

Some people save up for a dream mountain bike. I'm building something that gives me financial security โ€” and I'm doing it in public.

But there's another dimension to this project. I want to show that small steps can genuinely change your financial trajectory. Not through reading quarterly reports or following market indices. Through changing one habit. Through looking at everyday spending differently.

๐Ÿข Core business โ€” 12stopni.pl

Event furniture rental and space styling. This is how I make a living. This project runs alongside it โ€” a completely separate world, deliberately.

๐ŸŒ New venture โ€” webopole.pl

Websites for local businesses. Clean, fast, no hidden fees. Every zloty of revenue from this goes to XTB โ€” no exceptions.

๐Ÿ“ˆ The portfolio โ€” XTB

Tech ETFs: NASDAQ 100, AI & Big Data, Semiconductors. Long-term, no day trading, no speculation on geopolitical correlations. Every decision documented publicly.

๐Ÿง  The bigger point

I don't want you to study finance. I want you to see your everyday spending from a different angle. When you shop at a Polish retailer, you could be a part-owner. That realization changes things.

03 / How it works

A simple loop.
Nothing more.

Step 01
๐ŸŒ
Earn from websites

I build websites for small businesses through webopole.pl, drawing on years of marketing experience and a genuine understanding of what clients need. Each completed project = a transfer to XTB.

webopole.pl โ†’
Step 02
๐Ÿ“ˆ
Invest at XTB

Every profit goes into the investment account. Tech ETFs โ€” a sector I understand professionally. Long-term horizon, no shortcuts, no speculation.

Current portfolio โ†’
Step 03
๐Ÿ“ก
Document everything

Every deposit, every order, every mistake โ€” shown publicly without filtering. I encourage questions. Push back on my decisions. That's the point.

Project history โ†’
04 / Project goal

100 websites. ~99,000 PLN.
Phase one.

Main goal
99,000 PLN

100 completed websites is the first-phase target. At an average project value of ~990 PLN net, that totals ~99,000 PLN of invested capital. The project is open โ€” orders can be larger and the goal can grow with it.

โ†’Each completed website = a separate deposit into XTB
โ†’Actual revenue may exceed initial estimates
โ†’After 100 websites we decide together what comes next
Investment strategy
Long term.
Tech ETFs.
No speculation.

NASDAQ 100 as broad tech exposure. AI and semiconductors as more focused sector bets. Every buy order described publicly with reasoning and market context.

Current portfolio return
+2.77%
711 PLN deposited ยท start: Apr 2025

History and plan

Apr 2025
Start ยท First ETFs purchased

XTB account open. 3 ETFs in portfolio. Project launched publicly.

711 PLN deposited ยท portfolio 730.68 PLN
2026 Q1โ€“Q2
Website #001 โ€” first client

First order from webopole.pl. Profit goes to XTB. Documented publicly.

target: +500โ€“2,000 PLN
2026 Q4
Portfolio 5,000 PLN ยท first websites

First check on pace. Verifying whether the project works as planned.

target: 5,000 PLN
2027 Q2
10 websites ยท Portfolio 10,000 PLN

10% of the way. First proper results summary and portfolio analysis.

target min.: 10,000 PLN
2028
50 websites ยท Portfolio 50,000 PLN

Halfway mark. Potential adjustment of portfolio composition and strategy.

target: 50,000 PLN
2029โ€“2030
100 websites ยท ~99,000 PLN

End of phase one. What comes next โ€” we decide together based on results.

target: ~99,000 PLN
05 / The bigger picture

Small steps.
Real change.

Every year your car insurance "unexpectedly" comes due. Stress, scrambling, sometimes a quick loan. What if you set aside 85 PLN a month instead โ€” no interest, no October panic, and the money actually grows?

I'm not talking about big revolutions. I'm talking about how a few simple realizations can permanently change how you see your money.

Do you shop at a Polish clothing brand? You might be a co-owner of LPP, the company behind it. Do you fill up at Orlen? You could be earning from every liter sold โ€” not just paying. This isn't theory. It's a real mechanism that works.

I don't want you to learn technical analysis or read quarterly reports. I want you to see your daily life from a different angle โ€” and maybe take one small first step.

I'm learning as I go. I don't have financial advisor credentials. Ask questions, push back on my decisions, challenge every move. That's exactly the point.
๐Ÿ”„ Change the ritual, not your life

10 takeaways a month can become 5 โ€” and the difference goes into your portfolio. Your body benefits, your wallet benefits. It's not sacrifice, it's a swap.

๐Ÿ’ก Buy from yourself

When you own shares in the companies you already pay โ€” PKO BP, Orlen, LPP, Allegro โ€” you're on both sides of every transaction. Client and shareholder simultaneously.

๐Ÿ›ก๏ธ Fund for "surprises"

Car insurance, washing machine repair, dentist โ€” these "surprises" can be predicted. 80 PLN/month in an investment account means calm sleep instead of October stress.

โ“ Ask, dig, question

Ask questions in the comments, in the group, directly. The more you challenge this, the better for both of us. I don't have all the answers.

06 / The income source

webopole.pl

webopole.pl was built for one reason: to fund this investment project. Not a side business โ€” a purpose-built income engine that feeds the XTB account with every completed order.

Websites for businesses in and around Opole, Poland. Every zloty of revenue goes directly to the XTB account. No exceptions, no consumption from this source.

  • โ†’Background in marketing agency work
  • โ†’Strong briefing and client understanding skills
  • โ†’Fast delivery, transparent pricing
  • โ†’100% of revenue goes into the investment portfolio
Visit webopole.pl โ†’
Project tracker
#001 โ€” Business websitependingโ€ฆ
#002 โ†’ #010โ€”
#011 โ†’ #100in queue
Each completed project โ†’ deposit โ†’ this page updates
07 / Community

Follow. Watch.
Ask anything.

WhatsApp Group
Main communication channel

Live portfolio updates before they hit the website. Discussions about investing without the guru energy. Question every decision โ€” no bad questions.

Join the group

Documented publicly from day one. Follow on your preferred channel โ€” every update goes out everywhere at the same time.

โ†ณ This is not investment advice. Investing involves risk of capital loss. You act at your own responsibility.