Speculation
Assets · High-riskHighly speculative investments with extreme volatility and a real risk of total loss. Only suitable for capital you can afford to lose completely.
Typical positions:Cryptocurrencies (Bitcoin, Ethereum, altcoins) · CFDs/derivatives · start-up stakes · penny stocks · meme coins
Return (FireLotse planning value):~15% p.a. is a FireLotse convention for the FIRE projection – not a historical average and not a return expectation. Actual returns of individual speculative assets swing between −100% (total loss) and +1,000% (e.g. crypto hypes) in individual years. The planning value serves purely to weight the portfolio.