Between September 2023 and September 2026 I invested €50 a month in the Brand New Day Modelbeleggen account, with the very offensive profile, and documented how it performed here. It started as the experiment I proposed in the investment account for beginners post. On 17 September 2026 I closed the account. Here is the final result and why I closed it.
Transparency: this article contains affiliate links. If you sign up through them, Finanzas en Holanda may earn a commission at no extra cost to you. We only recommend products we would use with our own money. More information.
The final result
- Total deposited: €1,750 (€50 a month, debited automatically).
- Value when closed (17 September 2026): €2,310.30.
- Gain: €560.30, or +32.0% on what I deposited.
Read that 32% carefully: it is the gain on what I put in, not an annual return. Each deposit was invested for a different length of time: the first one for three years, the last one for just a few weeks.
Why I closed it (and it was not because of the account)
I closed it because I was going to need that money within a year. And one year is far too short to keep money in the stock market: if the market drops right before you need it, there is no time to recover.
My own table shows it: between February and April 2025, the account’s return went from +13.5% to +2.5% in just two months. Had I needed the money then, I would have taken out little more than I put in. With a long horizon you can ride out those drops; with a short one, they decide the outcome.
So I preferred to lock in the gain. If you have money you will need soon (a down payment, the purchase costs of a home, an emergency fund), keep it somewhere without stock market risk:
- A savings account or deposit paying more than your bank: I compare options in Raisin vs. your bank.
- A money market fund: I explain how they work in money market funds in the Netherlands.
Do I still recommend it? Yes
Closing this account had nothing to do with Brand New Day. In fact, I still have my pension account and a children’s account there, which is exactly the kind of money I will not touch for many years. For that, I think it is a good option: contributions are automatic and you do not have to keep an eye on it.
If you are not yet clear on how pensions work here, it is worth reading our guide on the Dutch pension system before investing — it explains the three pillars and where an account like this fits in.
If you want more information about Brand New Day or to open an account, you can do so through the banner below. It helps keep the blog running.
And here is the full table of the experiment, with the ups and downs the account went through:
| Year | Month | Deposits | Account value | Return since start |
|---|---|---|---|---|
| 2026 | 17 September (account closed) | € 1,750 | € 2,310.30 | 32.02% |
| 2026 | Agosto/August | € 1,750 | €2,295.22 | 31.16% |
| 2025 | Septiembre/September | € 1,200 | €1,359.07 | 13.26% |
| 2025 | Mayo/May | € 1,000 | € 1,096.18 | 9.62% |
| 2025 | Abril / April | € 950 | € 973.49 | 2.48 % |
| 2025 | Marzo / March | € 900 | € 973.49 | 8.17 % |
| 2025 | Febrero / February | € 850 | € 964.70 | 13.49 % |
| 2025 | Enero / January | € 800 | € 905.76 | 13.22 % |
| 2024 | Diciembre / December | € 750 | € 867.52 | 15.6 % |
| 2024 | Septiembre / September | € 600 | € 645.80 | 7.6 % |
| 2024 | Junio / June | € 450 | € 497.22 | 10.5 % |