Amazon and apple for 2015 to 2019, some picks like VAT in there as well. 2019 I added Tesla. 2020 I added Twist and Crispr. Then all in GME for one week this January. Now it consists mostly of ARK and Twist as I am exhausted from that GME yolo.
My strategy? Lol. I have very little idea nor strategy and am simply profiting from the bull market and maybe a general belief in the potential of the digitisation. So far I got lucky.
Motivated by this thread, I prepared my net worth history and was quite surprised about the positive development …
Remarks:
Marriage in 2018
Second pillar: I made voluntary payments of total CHFk 70. Furthermore, I have a very “nice” employer, which compensated the reduction of the “conversion rate” by substantial payments into the pension account
Historically, we had - unfortunately - not enough focus on investing. Today, we have on purpose a high cash-position in our asset allocation (reduced risk tolerance and flexibility to buy own real estate or profit of market opportunities) → cf. Assistance on investment-decision - All-in with a bang? - #12 by HammerOnFire
Nice! In how many years did this increase of value happen? Did you invest money into renovations? Also, how did you get it evaluated? Maybe from the bank, e.g., when renegotiating a mortgage?
That’s more or less the time passed since I bought my house in ZH. I think I have overpaid a bit back then but I am cautiously confident my NW should also be able to jump a bit up thanks to its appreciation
And it looks like choosing a 4 years mortgage was a good choice as I think rates a lower now than they used to, right?
I actually had and will have a 5 years mortgage, I just renegotiated it one year early. And yes going from 0.94% to 0.69% does save me around 8.5k CHF over the next 5 years.
This thread is the one I’m the most excited about and always read the new messages. I don’t know why really. Maybe because there is so much data and time in such charts. Anyway, it’s now my turn to share my Net Worth progression, finally!
First, the progression of 2020 with the asset allocation categorisation:
I accounted my 3rd pillar into the bonds category because it was a contract with an insurance (that I got rid of last month). Starting now, it’s invested in stocks and will be accounted as such
I crossed the 200k threshold recently, ooooh yeah!
And I also dug into my old bank statements and computed my net worth over the years starting in 2002. Here you go:
I had a negative net worth in 2015, and then started really earning money, repaying my student loan and saving. We clearly see when I started working ahah. Zero to 200k in 5 years, oh yeah!
For those interested, I analysed everything in detail (in French) in this article.
Started investing in May 2020. I bought Bitcoins (or better said Satoshis) worth CHF 1000 and sold in November for CHF 1750. January was great with Gamestop. In February I got back in Crypto and started investing in ETFs as well. This month I surpassed the 200k border thanks to a crypto gem (it’s actually a shitcoin which I turned from $500 to $70k).
This is amazing - I would love to learn more about the process of finding the opportunity and where to buy it. Putting let’s say 500 CHF in 10 shitcoins can be a good strategy for early retirement :D.
It could go up alot but it could also turn out to be worthless.
I was heavily invested during the 2017-18 bullrun. Made alot of profit but stayed in altcoins during the bearmarket afterwards.
Most of the coins I still have from back then are pretty much worthless compared to what they were worth.
Only 1 out of those is worth more now (measured in BTC). I got in during their ICO. It’s now worth 55x in USD and around 8x in BTC.
Overall I would have more money now if I simply stayed in BTC.
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