Chronicles of fat years [2024-2027 Edition]

[dom.swiss]

I like my asset class quilt in CHF.

My sources are:

• Nasdaq: INVESCO EQQQ NASDAQ-100 UCITS ETF CHF Hedged (QQQ)
• S&P 500: iShares S&P 500 CHF Hedged UCITS ETF (Acc)
• World: UBS ETF (IE) MSCI ACWI SF UCITS ETF (hedged to CHF) A-acc
• Emerging Market: Vanguard FTSE Emerging Markets UCITS ETF Acc (VWO)
• SMI: UBS ETF (CH) SMI (CHF) A-dis
• Gold: Gold Price in Swiss Franc (CHF) - Live Price and Historical Chart | GoldBroker.com
• BTC: https://www.google.com/finance/quote/BTC-CHF
• Cash: SNB-Leitzins
• Commodities: UBS ETF (IE) Bloomberg Commodity Index SF UCITS ETF (CHF) A-acc
• Gov Bonds: Rendite von 10-jährige CH Staatsanleihen
• Corporate Bonds: iShares Core CHF Corporate Bond (CH)
• Real Estate CH: Immobilienpreise (Wohneigentum total Q1-Q1)

[TeaGhost]

Thou shall add Swiss RE Funds, have a look at ‚24 and you know why

[dom.swiss]

PPINIOFR*

*past performance is not indicative of future results

[Your_Full_Name]

(Source)

[dom.swiss]

just wanted to make post no. 1000

yesssss!

[Tony1337]

Maybe we should close this topic…

[covfefe]

Only 5 quarters in? We still got 11 more to go.

[Dr.PI]

Fat years were aborted prematurely.

[assemblyrequired]

The bull got prescribed Ozempic

[lorenzogm]

@Dr.PI Can we rename this one to Chronicles of 2024? Consistency is beautiful

[Dr.PI]

@lorenzogm

Can we rename this one to Chronicles of 2024?

No, it’s a good example of how unexpectedly things can turn.

[PhilMongoose]

@Dr.PI

No, it’s a good example of how unexpectedly things can turn.

And yet my totally accurate Lean Years 2025-2027 was deleted! Grr.

[PhilMongoose]

@Your_Full_Name

If you live off – or at least partially live off – your cash flow produced by your portfolio, you’re much less worried about the prices of your holding(s). If you don’t entirely use up your holdings’ cash flow, you actually look forward to corrections to further scoop up further future cash flow at cheaper prices.

I think this is what makes dividend investing and real estate investing more ‘psychologically’ easy.

You see a fairly steady income and don’t worry about day to day movements of the asset price.

Yes, from time to time, you have voids and dividend cuts, but most of the time it is steady and you don’t need to expend mental energy on it.

[dom.swiss]

Here’s the asset class quilt for 2025 in CHF. Amazing returns of gold and in hindsight, local bias SMI would have been beneficial. Still, our anchor World ETF delivered above 3.5% (“safe” withdrawal rate). Bitcoin was a substantial loser.

Final numbers for Immo CH (Real Estate) and (10y CHF) Gov Bonds are not yet in and have been estimated. Inflation for the full year is estimated at 0.1%.

List of 2025 in CHF:

• Gold 43.4%
• SMI 14.1%
• Commod. 13.4%
• Emerging 7.0%
• World 5.5%
• Nasdaq 5.4%
• Immo CH 3.3%
• S&P 500 2.0%
• Corp Bonds 0.6%
• Gov Bonds 0.2%
• Cash 0.2%
• BTC -18.3%

[EPeon]

@dom.swiss

local bias SMI would have been beneficial

Notable some other European stock markets also - FTSE and DAX up more than 20%, IBEX even 48% for the year (in local currencies).