Who is John Ostrowski?

I built my first million złoty through the stock market. No inheritance, no shortcuts—just a disciplined savings rate and seven years of patience.

I’m not a finance professional. I’m a Product Director in fintech who became obsessed with investing. It’s my favorite video game. I’ve been playing it publicly on eToro since 2018, where I’m now a Diamond Popular Investor with $50,000 in assets under copy.

I took the easy route: 70% of my portfolio sits in ETFs. I don’t try to outsmart the market. I believe slow and steady wins the race, and I’m playing a 25-year game.

I’m now working toward my first million dollars following a business exit. The goal is simple: build a dividend income stream that covers my cost of living in Poland. That’s winning, for me.

Why share this publicly?

I already help friends and family invest—people who don’t want to figure it all out themselves but trust someone obsessed enough to do it for them. This Substack extends that circle.

What is the Positive Fund?

My real portfolio. Not a model. Not backtested theory. Real positions, real allocations, updated regularly.

The structure: 60-70% Core (broad-market ETFs), 30-40% Satellite (select stocks and crypto). Optimized for dividend income and compound growth. No leverage. No day trading. No panic. Read more about the investing philosophy here.

What Do Subscribers Get?

Free:

• Quarterly portfolio reports

• Investment philosophy posts

• Essays on discipline and long-term thinking

Paid:

• Bi-weekly updates with exact allocations

• Position changes and reasoning

• Full transparency into what I’m watching, buying, and avoiding

Why “Positive”?

Those who’ve met me know. For everyone else—it reflects patience, discipline, and a bias toward forward progress.

Based in Poland. Building from everywhere.