Example with a constant return, compounded monthly, before fees and taxes. A world ETF (MSCI World) returned about 12% a year on average from 2016 to 2025 in USD, with single years between −18% and +28%. Past returns are no guarantee. Not investment advice.
Chapter 10
What €100,000 can earn
€100,000
€10,000€1M
Average return per year (assumption)
Per year, on average€10,000
Per month, on average€833
For €1,000 a month€120,000
Average gain before tax, not a fixed payout: in bad years the value falls (2022: −18%). Dividends alone pay less, about 2–4% a year. Past returns are no guarantee. Not investment advice.
Not a list of tips. A full guide that explains how money really works, with true stories, worked examples and real numbers. When you finish, you know exactly what to do and in which order, and you can start the same day.
Most money advice is either boring or a sales pitch. We wanted something honest.
SCHEFF explains money the way it actually works, with real numbers and no hype. No courses to upsell, no trading signals, no promises. One guide, one price, everything in it.
Honest numbers
No upsells
14-day money-back
Look inside
Real pages. No fluff.
True stories: Buffett, Read€30,000, untouched for 20 yearsYour 30-day plan
For you if
Your salary is gone before the month is.
You want a simple system, not a finance degree.
You can spare €25 a month to start.
You prefer honest numbers to big promises.
Not for you if
You want to get rich in three months.
You are looking for quick gains or trading tips.
You already invest automatically every payday.
Your next step
€27 once. No subscription.
SCHEFFWealth Is a DecisionA guide for ordinary incomesE-BOOK
What's inside
The complete guide as PDF15 chapters in 5 parts, 74 pages.
True stories and worked examplesHow Buffett, Jobs, Gates and a janitor with $8 million did it.
Your plan: 30 days, 1 year, 20 yearsExactly what to do, in which order.
Bonus: 4 templatesSalary splitter, savings goals, subscription check, net worth.
Free updatesYou keep every new version.
Not included: investment advice, promised returns, subscription fees.
€27one-time, incl. VAT
Bonus templates as
All templates included: Excel, Google Sheets, Numbers and PDF.
Right after payment you get an email with your download link: the guide as a PDF plus the bonus templates. You can download them as often as you like.
Do I need prior knowledge or a lot of money?
No. The book is written for ordinary salaries and starts at the end of the month, not at the brokerage account. An ETF savings plan can start at €25 a month.
What can €100,000 earn?
At a cautious 7% average, around €7,000 a year, about €580 a month before tax. In good decades a world ETF did more, around 10% over the last ten years. In bad years it can fall, 2022 was about −18%. It is an average, not a fixed payout.
Is this investment advice?
No. The guide explains the basics with worked examples. It recommends no individual securities and promises no returns. You make your own decisions.
Is this a subscription?
No. You pay €27 once and keep everything. Updates are free.
