That is the daily equivalent of the €50 minimum monthly contribution for a Timeless savings plan.
That outcome is an illustration, not a promise. The more important point is that a manageable contribution, repeated with discipline over many years, can become something meaningful. The entry point can be given a permanent place in a monthly budget. It is not about giving up one particular pleasure or radically changing your lifestyle.
That long-term rhythm feels especially natural with Collectibles: a collection grows piece by piece, its character emerging over time. A Timeless savings plan brings the same rhythm to investing in extraordinary objects.
Benjamin Graham, Warren Buffett’s teacher and mentor, was an early advocate of investing equal amounts at regular intervals. His point was not that timing no longer matters. It was that no single moment has to carry the full weight of the decision.
With a savings plan, the contribution remains consistent while the entry valuation changes. When an asset is offered at a lower market value, the contribution gains exposure at that lower valuation. When valuations are higher, the entry point is higher too. Over time, the plan creates a series of entry points rather than one all-or-nothing bet.
The result is more than a mathematical effect. Regular investing gives a long-term ambition a place in everyday life. Once the plan is running, progress no longer depends on remembering to start again every month.
With Timeless, you choose how many fractions you want to acquire through your savings plan each month. The table illustrates how regular contributions of one, two or five fractions could develop over different time horizons, using historical Collectibles market returns as a reference.
| Time horizon | €50/month 1 fraction/month | €100/month 2 fractions/month | €250/month 5 fractions/month |
|---|---|---|---|
| 5 years | €3,560 | €7,120 | €17,800 |
| 10 years | €8,550 | €17,110 | €42,760 |
| 15 years | €15,560 | €31,110 | €77,780 |
| 20 years | €25,380 | €50,750 | €126,880 |
Illustrative calculation with monthly contributions of €50, €100 or €250 and an assumed annual return of 7%, based on the average of historical five-year KFLII periods from 2005 to 2025. The KFLII is used only as a broad proxy for the Collectibles market and does not represent Timeless assets or their performance. Figures are before costs and taxes. Past performance is not an indication or guarantee of future returns.
A long-term plan becomes far more compelling when the underlying assets spark genuine curiosity. Timeless has therefore expanded its savings-plan offering with four new categories, each opening a different door into the world of Collectibles.
| 01 Gemstone Colour, created by nature. Origin, clarity, treatment and certification give every exceptional stone its own identity. | 02 Natural History Millions of years in one object. Fossils, meteorites and rare natural specimens unite scientific significance with natural scarcity. |
| 03 Rare Memorabilia Culture you can hold. Original objects from music, film, sport and popular culture draw their power from provenance, authenticity and emotion. | 04 Cards & Games Icons powered by communities. Trading cards, sealed products and gaming history bring together global fandom and genuine collecting passion. |
These new categories complement the savings plans already available on Timeless. Together, they make it easier to shape a plan around different forms of rarity, different collector communities, and different stories worth following.
Collectibles follow different value drivers from shares and bonds. Scarcity, provenance, condition, authenticity, cultural relevance, and collector demand all play a role. That gives the asset class a distinct character and can add another dimension to a portfolio dominated by traditional financial investments.
There is also a more human advantage. The best savings plan is often the one people remain interested in. Following an important gemstone, a meteorite, a piece of cultural history, or an iconic card can make the act of investing feel more tangible. Interest is not a substitute for careful selection, but it can make a long-term plan feel genuinely personal.
The destination is yours to define. The plan might support a reserve for later life, contribute to a child’s education, or create a separate pool of capital alongside regular equity investments. What matters is giving the goal a structure and the contributions time.
Choose the categories that fascinate you, set a contribution that fits your life, and let each month add another piece to a long-term Collectibles portfolio.
Benjamin Graham, The Intelligent Investor. Historical market reference: Collectible Invst analysis based on the Knight Frank Luxury Investment Index.
This article is for informational and educational purposes only and does not constitute investment advice. Collectibles can rise or fall in value and may take time to sell. Historical index performance does not predict the performance of individual assets. Past performance is not an indication or guarantee of future returns. Please review the relevant offering documents before making any investment decision.
