PLN vs USD – This Difference Actually Matters
In this video, I share an up-to-date overview of my investment account as part of the 3K to 1M Investing Challenge — what’s currently in my portfolio, what I’m planning to buy next, and how I evaluate performance through the lens of currency.
During the live session, I compare my results with data from TipRanks, where returns are calculated in U.S. dollars, while my real brokerage account is denominated in Polish zloty (PLN). This leads to an often overlooked but critical topic: the currency of your portfolio.
The difference between a PLN-based portfolio and a USD-based one is not just technical.
When economic, financial, or geopolitical stress appears, the Polish zloty has historically weakened against the U.S. dollar. As a result, even with identical stock performance, a portfolio exposed to USD can deliver higher real returns when converted back to PLN.
This is not about currency speculation.
It’s about:
protecting capital over the long term,
gaining exposure to the global economy,
consciously managing systemic and macroeconomic risk.
In this material, I explain why currency choice plays a real role in long-term portfolio construction and why I don’t look only at stock returns in isolation, but always within a broader macro context.
This video is part of a real investment process — without shortcuts, without “magic” strategies, and without the assumption that crises will never happen. History shows they always do.
The 3K to 1M Investing Challenge is about documenting decisions that make sense not only during bull markets, but also in more difficult periods.
Because in investing, it’s not just what you own that matters —
it’s also the currency you hold it in.
MrWawrzyniukStocks
Portfolio. Currency. Long-term.
www.spx-24.com
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