The last publication of my report is from February 2023… so it was time to share a new update with you!
As you know, investing is one of the main keys to achieving financial independence, in order to be able to live off the returns from your investments.
But you still need your investments to produce returns hehe :)
So let’s review all my Swiss and foreign investments, in order to see how much I’ve made from them.
List of my investments on 30.11.2024 (stock market, real estate and cryptocurrencies)
For any newcomers, here’s the exhaustive list of my investments at the end of the year 2024:
- Stock Market
- VT ETF (my favorite global ETF)
- VWRL ETF (the global ETF that I stopped using in May 2020)
- My value investing stocks
- Swiss shares in my company
- Mrs MP’s VIAC 3rd pillar 3a invested with the Global 100 strategy
- Mrs MP’s finpension 3rd pillar 3a invested with the Actions 100 strategy
- My VIAC 3rd pillar 3a, invested with the Global 100 strategy like Mrs MP’s
- Real Estate
- Rental property in France (#1)
- Rental property in France (#2)
- Rental property in Switzerland (#3)
- Real estate development in Switzerland (#4)
- I’m not counting the P2P real estate loans that we had these last two years as they are all now finished
- Casino
- Cryptocurrencies - Bitcoin, Ethereum and Litecoin bought twice at the peak of their value… (in 2017 and at the end of 2021)
The amounts of my investments as at 30.11.2024
| Investment vehicle | Amount in CHF | Percentage of the total |
|---|---|---|
| — | — | — |
| Stock market | 890'564 | 76% |
| VT ETF | 610'424 | 52% |
| VWRL ETF | 85'185 | 7% |
| Value investing stocks | 37'954 | 3% |
| Shares in Swiss company | 33'497 | 3% |
| Mr & Mrs MP 3rd pillars | 123'504 | 11% |
| — | — | — |
| Real estate | 262'456 | 22% |
| Rental property France #1 | 47'011 | 4% |
| Rental property France #2 | -2'055 | 0% |
| Rental property Switzerland #3 | 217'500 | 18% |
| — | — | — |
| Casino | 21'872 | 2% |
| Cryptocurrencies | 21'872 | 2% |
| — | — | — |
| TOTAL | 1'174'892 | 100% |
Breakdown between global and Swiss stocks
I’m going to put the spotlight on my stock market assets only, in order to see the division between investments in Swiss and global stocks.
VTF and VWRL ETF
As indicated in their respective information sheets, our favorite VT ETF contains 2.4% Swiss stocks, and the VWRL ETF contains 2.5%.
Value investing
Our value investing portfolio only contains CHF 500 of Swiss stocks, so as this is minimal, we’re going to say that it’s 100% global stocks.
3rd pillars
Then, our 3rd pillars are all invested in portfolios with 100% stocks, of which the proportion of Swiss stocks is around 39%.
Shares in my Swiss company
Lastly, the shares in my company are obviously Swiss.
So here’s a recap of my stock market assets at the end of 2024, classified by geographical area (global or Swiss stocks):
| Stock market assets | Amount in CHF | Percentage of the stock market total |
|---|---|---|
| World | 792'120 | 89% |
| Switzerland | 98'444 | 11% |
| STOCK MARKET TOTAL | 890'564 | 100% |
As expected, as I’m not buying any more shares in my Swiss company, the World/Switzerland ratio is going in the right direction and getting closer to my goal of 90-95% global stocks.
Performance of my investments as at 30.11.2024
How do I calculate the performance of my investments
I use the “Money-weighted return” when the info is available.
As I explained in my Interactive Brokers guide:
There are two ways to measure the performance in % of your securities. And Interactive Brokers offers you both choices: Time-Weighted Return (called TWR) and Money-Weighted Return (called MWR).
To put it simply, the TWR lets you know the return between two dates without taking into account the movements in the account (like cash deposits/withdrawals and stock purchases/sales). It's great if you want to compare two portfolios together.
The MWR on the other hand allows you to know the performance in % of your portfolio by taking into account all those cash and stock purchase/sale movements. It is ideal when you want to know your own return.
For my part, I use the MWR in order to take into account my Mustachian decisions when I invest in the stock market (i.e. regularly following my process, as well as at the time of the sales when there are stock market crashes).
Overview of the performance of our assets as at 30.11.2024
| Vehicle | Date created | Annualized return |
|---|---|---|
| VT ETF, VWRL ETF and value investing stocks (private account) | 2016 | +9.15% |
| VT ETF (business account) | 2020 | +9.69% |
| My Swiss shares | 2014 | +16.13% |
| Mrs MP’s VIAC 3a | 2018 | +5.66% |
| Mr MP’s VIAC 3a | 2022 | +11.49% |
| Rental property France #1 | 2019 | +14.96% |
| Rental property France #2 | 2022 | +21.18% |
| Rental property Switzerland #1 | 2023 | +12.70% |
| Cryptocurrencies | 2017 | +21.71% |
Children’s portfolio
From this point onwards, I’m putting aside the portfolio for investing the children’s savings. Basically, it’s cash that we can’t/don’t want to touch (or not for holidays? haha, I’m joking).
Nevertheless, it’s interesting to see the evolution of their investment portfolio’s return as well.
As a reminder:
- Up to 30.11.2024, their portfolio was 100% invested in VWRL ETF through the very-low-cost European broker DEGIRO
- Since 01.12.2024, I’ve migrated all their investments to IBKR in a VT ETF with an Interactive Brokers account each (all the details are in this article)
And so here are the key data as at 30.11.2024:
- Amount in the children’s stock market portfolio (VWRL ETF): CHF 23'124.78
- of which global stocks: CHF 22'546.66
- of which Swiss stocks: CHF 578.12
- Annualized return: +9.27%
Remarks
On doing all these calculations for the returns of my various stock market and real estate investments, I’ve come to three realizations.
Firstly, I’m really starting to see for myself that my investment strategy can actually generate an annualized average return of 6-8% over the long term. It’s great in theory, but even better in practice :)
The second point is that this performance report is skewed by the election of Trump, particularly for the cryptocurrencies. But in any case, it doesn’t really matter on which date I do it as there’ll always be a global event that “skews” the review at a set moment in time. That’s just natural.
Finally, I need to harmonize my real estate yield calculations between France and Switzerland. Indeed, I include resale with added value for France (as this is my objective), but not for Switzerland. So I’ll have to include this capital gain for Switzerland, or remove it from my calculation for France. We’ll see next time.
Conclusion
Rather than give you a whole speech, I’m going to conclude as if I could give my 18-year-old self a list of 4 things to do:
- Start investing in the stock market today (the best time would have been yesterday), and also all the assets of your 3rd pillar
- Put the maximum amount of savings into your online brokerage account, every month or quarter
- Wait patiently
- Benefit from the growing amount, which gets bigger and bigger thanks to the magic of compound interest
FAQ
I’m eager to take the plunge, where do I start?
To motivate you to take the plunge, here are my two most useful resources:
- How would I invest CHF 10'000 in the stock market if I started today?
- Program for daring to take the leap into the stock market, for beginners (even ultra-beginners), with guaranteed success that you’ll succeed in starting to invest in the stock market by understanding what you’re doing at the end of the 39 days
