My name is Rafał Wawrzyniuk. For nearly two decades I have been involved in the financial markets — both in long-term investing and in speculation and risk management. My approach to the market has been shaped over many years through real-life experience, not theory detached from practice.
I came into contact with the capital markets very early. At first it was pure curiosity — watching price movements, trying to understand what drives them, and doing my first independent analyses. Over time, that interest turned into real investment decisions and systematic learning. The market quickly tested my expectations, teaching me humility, patience and responsibility for every decision I made.
Over the years I have gone through the full spectrum of experiences the financial markets can offer — from periods of rapid capital growth, through mistakes and losses, to gradually building stability and a more mature investing mindset. These experiences shaped the way I see the stock market today: as a long-term process that requires discipline, consistency and a clear understanding of risk.
In parallel with my investing activity, I have also run my own businesses. Working outside the stock market helped me understand the importance of cash flow, economic cycles and the real value of money. This business experience naturally influenced how I now look at listed companies, their business models and long-term potential.
I am not interested in quick promises or narratives about “easy money”. The stock market, in my view, is simply a tool — powerful, but demanding. I focus on:
- risk management
- the decision-making process
- investor psychology
- analysing long-term trends
- building a portfolio that can withstand market volatility
The website spx-24.com was created as an educational space for people who want to approach investing consciously and realistically. Here I publish market analysis, commentary on stocks and ETFs, materials on portfolio management and content devoted to investor psychology. Some publications also touch on lifestyle topics — discipline, consistency and self-development — because without these elements, long-term investing is practically impossible.
I don’t offer ready-made recipes or universal strategies that fit everyone. I believe every investor must develop their own approach — suited to their personality, time horizon and risk tolerance. My role is to share experience, observations and knowledge that may help you better understand the market and make more informed decisions.
All content published on this website is for educational and informational purposes only and does not constitute investment advice or financial recommendations. Any financial decision should be made independently and at your own risk.
An integral part of my work is the public project “3K to 1M”. It is a long-term initiative in which I document the process of building capital from a relatively small starting amount — step by step — based on real investment decisions, transparency and consistency.
The purpose of the project is not to promote quick profits or present “perfect” results. Its essence is to show the real process of investing: market fluctuations, difficult periods, and the importance of risk management and emotional discipline. It serves as a practical complement to the educational material published on this website, and at the same time as proof that investing is a journey — not a one-off event.