The best-performing investments: from ACS to a civil service job

The best-performing investments: from ACS to a civil service job

Some investments multiply your capital tenfold without lifting a finger, while others change your working life forever. A discussion among experienced investors reveals a mix of one-off wins and long-term strategies. Whoever got ACS right saw their money multiply tenfold in six years. Another bought Flatexdegiro shares at an average price of 8 euros, sold half at 20, and still holds the rest with gains of over 20,000 euros. But it's not all individual stocks: the MSCI World and Emerging Markets indices also come up as a consistent option.

Alongside financial returns, investment in human capital stands out. A Spanish civil servant in the A1 group, level 26, describes how he went from being broke in 2012 to earning 68,000 euros a year working less than 20 hours a week, thanks to a competitive civil service exam and optimizing his position. The coolness of the numbers contrasts with the noise of those chasing the latest hype. In fact, another investor admits falling into the trap of forums and cult-like trends, buying high and selling low, until he found a supposed mentor on Facebook who promised him a foolproof method. A classic.

What works better: the index or the individual stock?

Both approaches have defenders with results to show. The one who bought ACS did nothing for six years and made 900%. The one who chose global indices got a more modest return but without any scares. The key seems to lie in entry timing and the patience not to panic-sell. On the other hand, investing in yourself —competitive civil service exams, strategic training— offers a return that's hard to match in the stock market, especially when combined with remote work and efficiency.

The dark side: the siren song of the gurus

It's not all gold. One testimony reveals how desperation to recover losses leads people to trust strangers promising miracle methods. In this case, someone is mentioned who supposedly turned their trading around with swing trading. The warning is clear: when someone on Facebook offers the magic formula, the only one likely to win is them.

The numbers speak for themselves: over 20,000 euros in gains on Flatexdegiro, a 10x on ACS, and a 68K salary in the Spanish public administration. But there are also those who lost their way trinc the noise. The next time a stock is recommended on social media, remember that the best investor is the one who doesn't need to sell you their system.