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# Notes from a Small Investor

Some Thoughts on (Effective) Investing from Andrej Ders

## Sitemaps

- [XML Sitemap](https://www.andrejders.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Why a 20–30 Year Investment Plan Is Not as Simple as It Looks](https://www.andrejders.com/2025/12/15/why-a-20-30-year-investment-plan-is-not-as-simple-as-it-looks/) - Discover insights from decades of data on S&P 500 and Nasdaq investments, highlighting realistic expectations for long-term investors.
- [Comparing Balanced and High-Risk Strategies Over 20 Years. Part#1](https://www.andrejders.com/2025/12/09/comparing-balanced-and-high-risk-strategies-over-20-years-part1/) - Compare balanced and aggressive investing strategies over 20 years, including market crises. Find out which plan maximizes growth and stability.
- [What I Use for Investing and P2P Lending](https://www.andrejders.com/2013/12/09/what-i-use-for-investing-and-p2p-lending/) - Discover favorite P2P platforms (Finbee, Savy, Paskolu klubas, Bondora) & brokers (Lightyear, Trade Republik, eToro): 1-1.5% bonuses + free/1€ fee. Start now
- [Tracking Investment Returns: A Practical Guide Using XIRR](https://www.andrejders.com/2015/11/13/tracking-result-of-investmenst/) - Guide to track return on investments (XIRR, ROI)
- [Fast, cheap, good  - what to choose (p2p)](https://www.andrejders.com/2016/02/09/fast-cheap-good-where-to-invest-version-1-part-1/) - Most important factors in p2p lending and selection of lending platform

## Pages

- [Donations](https://www.andrejders.com/donations/) - If you found something useful here or would like to support this blog, you’re welcome to send a small donation to: 1D3TEgPhNXbxmmxpbvRkNdiJs4VgF8ABf3 (Bitcoin) Thank you!P.S. Most of the donations will be used to improve this site or to support other bloggers.
- [Andrej Ders](https://www.andrejders.com/about/) - Hi, I’m a small-scale investor who began my journey in 2012 and started dedicating more time to managing my modest portfolio around 2016. I invest in: Peer-to-peer (P2P) lending Exchange-traded funds (ETFs) Doing occasional trading, primarily index-related CFDs without leverage My aim is to achieve a long-term annualized return (XIRR) of 16% or higher. A
- [Contacts](https://www.andrejders.com/contact-me/)

## Categories

- [Investing](https://www.andrejders.com/category/investing/)
- [Where I invest](https://www.andrejders.com/category/where-i-invest/)

## Tags

- [Targets](https://www.andrejders.com/tag/targets/)
- [xirr](https://www.andrejders.com/tag/xirr/)
- [return calculation](https://www.andrejders.com/tag/return-calculation/)
- [track investments](https://www.andrejders.com/tag/track-investments/)
- [beginner tips](https://www.andrejders.com/tag/beginner-tips/)
- [strategy](https://www.andrejders.com/tag/strategy/)
- [long-term](https://www.andrejders.com/tag/long-term/)