Andreas Jansen plans to build nine passive income streams. Andreas Jansen
Earning money without having to do anything for it – sounds too good to be true. In fact, there are a few ways you can build passive income.
Andreas Jansen has created various passive income streams. In an interview with Business Insider, he tells Business Insider how he generated his first 1,000 euros a month.
“I was taught how to deal with finances at an early age,” says Andreas Jansen. His parents gave him pocket money of 350 euros a month when he was fourteen. “I also had to pay for everything, from club fees to books,” remembers the now 33-year-old. At the beginning, budgeting wasn’t easy for him, but over time he learned how to do it.
“My first investment was not in the capital market, but in my own company”
Through his studies in international business and two internships at venture capital funds, he became intensively involved in investing for the first time. “My first investment wasn’t in the capital market at all, but in my own company,” he says. While in college, Jansen founded a company that sold personalized fitness shakes. “Unfortunately, business wasn’t going well, so I had to stop it again.”
After the failure, Jansen focused his investments more on the stock market. “In my first investment phase I had a 50/30/20 portfolio. My money was 50 percent in MSCI World, 30 percent in an emerging markets ETF and 20 percent in European stocks.” However, his first job at Baden-Württembergische Landesbank changed his strategy. “I screened and analyzed fintechs there together with another colleague.” Which is why Jansen dealt intensively with different asset classes and topics. “That also influenced my personal investment strategy.” That’s why he tried out a lot back then. Although his core portfolio still consisted of ETFs, he also relied on raw materials, cryptos, NFTs and crowdinvesting in real estate.
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However, he was not satisfied with this strategy in the long term. Finding the right investments was time-consuming and the risk was high. “Nevertheless, I thought it was good that I did it, so I could learn.” At the age of 30, he had built up a portfolio of around 100,000 euros.
During a sabbatical where he cycled from Germany to Spain, he found a new goal: generate passive income. What he had already started doing during his permanent position. “But I’m talking about leveraged income,” Jansen clarifies. Only ETFs or dividend stocks generate pure passive income for him. “Passive income means being able to leverage your previous performance so that additional income can be generated regardless of future time expenditure.” Which means: you make advance payments either through time or capital.
Today he has successfully built up various sources of passive income, from which he lives together with distributions from his portfolio and proceeds from 1:1 coaching. Jansen did not want to reveal exactly how much he earns through passive income. But it is enough that he no longer has to do any other job outside of the activities listed.
This is how Jansen built up his first 1,000 euros in passive income three years ago:
In June 2021, his first mainstay for generating passive income was ETFs and P2P loans. P2P loans are loans that are granted from individual to individual.
He also offers online courses. “From this I generated around 853 euros a month,” says Jansen. These are courses where you can learn budget planning, for example. Another source of income: printable savings plans. “I looked at which financial products were sold on Pinterest and became aware of savings plans that were sold as digital templates in the USA.” Then he made a bet and tried it himself.
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“To this day, I sell several savings plans every month and continue to generate passive income with them.” At the beginning he earned around 180 euros a month, today it is almost 1,000 euros. “But that also cost me time. There was research behind it and I paid a designer.”