10 Jan 2025
Birthday money enters the portfolio
+€100 contribution
A contribution increases wealth, but it is not investment profit.
Public example portfolio
Emma's fictional money journey
See in a few minutes how Generavio brings together contributions, cash, a simulated ETF purchase, performance and a withdrawal in a clear story.
This portfolio is a fully fictional example.Illustrative values – not real market data.
Current illustrative position
- Total wealth
- €140.00
- Net contributions
- €130.00
- Investment result
- €10.00
- Cash
- €90.00
- ETF value
- €50.00
Six understandable steps
From contribution to Investment Story
15 Jan 2025
The first simulated ETF purchase
€40 of cash is invested
The purchase moves money from cash into ETF shares. It does not create additional wealth.
15 Feb 2025
The illustrative price rises
ETF value: €40 → €46
Only a change in ETF value changes the investment result.
1 Mar 2025
The family contributes again
+€50 contribution
The contribution increases wealth and contributions equally. The investment result is unchanged.
15 Apr 2025
The illustrative value develops further
ETF value: €46 → €50
The difference between wealth and net contributions is now €10.
1 May 2025
Cash is withdrawn
−€20 withdrawal
The withdrawal reduces wealth and net contributions. The ETF shares are not sold.
Wealth history
Contributions and wealth compared
Total wealthNet contributions
The difference between the lines comes from illustrative performance. Contributions and withdrawals change the contribution line.
| Date | Net contributions | Total wealth | Investment result |
|---|---|---|---|
| 10 Jan 2025 | €100.00 | €100.00 | €0.00 |
| 15 Jan 2025 | €100.00 | €100.00 | €0.00 |
| 15 Feb 2025 | €100.00 | €106.00 | €6.00 |
| 1 Mar 2025 | €150.00 | €156.00 | €6.00 |
| 15 Apr 2025 | €150.00 | €160.00 | €10.00 |
| 1 May 2025 | €130.00 | €140.00 | €10.00 |
Investment Story
What Emma can learn from the money journey
- Emma has received €150.00 in total contributions.
- €40.00 of that was invested in the fictional example ETF.
- Performance has so far added €10.00 to the portfolio's wealth.
- After a withdrawal of €20.00, net contributions are €130.00.
These statements are derived from the synthetic transactions and the calculated current position. (4 transactions.)
Explore the logic yourself
The learning area explains—and lets you calculate—why contributions and the investment result are different values.
Generavio supports financial education and simulation. This example uses fictional values only and is not financial advice.