I’m slighty tempted to change my avatar name to ‘Jones’ to make it easier for all of you to keep up with me. 
As in “Keeping up with the Joneses.”
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~27% growth mostly fueled by RSU vesting. On Personal front bought a house and welcomed our second son.
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you already had real estate in your portfolio - was that some kind of rental property or funds or something else?
also: congratulations! 
That was the property I bought for my parents in my home town (not in CH).
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| Year | Networth | Returns |
|---|---|---|
| 2019 | CHF 36’900 | |
| 2020 | CHF 76’400 | + CHF 4’020 |
| 2021 | CHF 120’900 | + CHF 19’040 |
| 2022 | CHF 158’300 | – CHF 20’630 |
| 2023 | CHF 208’300 | + CHF 11’340 |
| 2024 | CHF 281’800 | + CHF 37’570 |
| 2025 | CHF 340’400 | + CHF 3’430 |
Yeah in 2025 growth was mostly driven by a good savings rate (+42.7k) and pension fund increase (+11.5k), not so much by market returns (+3.4k). Bad year for crypto and got unlucky again with my timing. Almost half of those savings/investments were from my bonus (as usual) which is paid out on February 20th every year. Which was exactly the top before the March/April crash in 2025.
Btw, I bought another plot last month in Bosnia for 10k. I’ll see how this will play out long-term, but I think it will be a great investment. 5 years ago I wasn’t planning on any RE and today it’s 35% of my total NW lol. Next goals are to hit 400k in autumn this year and 500k before the end of 2027.
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Family of 3 living in Geneva with 1 kid.
Slow increase on my side:
Equity composition
My NW increase of 134k since last year (+9,7%).
I’ve saved 95k (including LPP) with an average of 50% saving rate.
Unfortunately this rate will drop as my wife is still looking for a job with no more unemployment benefit.
Still with too much cash on the side and too much stock picking (underperforming the ETF section.)
| Debt ratio | 7,43% |
|---|---|
| Safe Withdrawal Rate (SWR) | 3,50% |
| Target Annual Expenses | 75 000 € |
| Target Net Worth to FI | 2 142 857 € |
| FI ratio | 67,17% |
| Lower guardrail (3%) | 1 500 000 € |
| Upper guardrail (5%) | 2 785 714 € |
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what are the guardrails used for?
Go back to work or find alternative to generate cash for the lower guardrail.
The upper will be to increase your spending if allowed.
No 3a, or you count that to equity?
Here is my annual reporting from my investment account, keeping 100% stocks.
2015: 4’000
2016: 31’000
2017: 69’000
2018: 63’000
2019: 123’000
2020: 246’000
2021: 280’000
2022: 101’000
2023: 222’000
2024: 517’000
2025: 803’000 (+286’000 / +55%)
Twas a very good year all in all. Hopefully the portfolio will break through to seven figures in 2026, fingers crossed. 
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that’d be an awesome double-in-two-years bingo.
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2025 update
- nothing interesting happened
- 11.5% NW increase, stock portfolio (again) underperformed VOO with about 11% gains in CHF, with some questionable stock picks and my employee stocks going the wrong way
- the one good thing I can be happy about is that my SO now has an almost-equal mix of BVG / 3a / corporate bonds / stocks / real estate
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Did it? (in CHF)
VOO did ~18% in USD,
Yet USD/CHF went -12% or so over 2025.
11% in CHF is great!
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Congratulations on the excellent returns from investments. I am curious if the returns are from individual stocks or options.
This is the most impressive imho.
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I can’t really decipher IBKR reporting to be honest
The performance tracker says I underperformed SPY, but the NAV and everything is (should be) shown in CHF and SPY definitely didn’t go 18% in CHF this year….
Problem is that IBKR is only showing performance benchmarks in the main currency. So your NAV is shown in CHF and the benchmark most probably in dollars, hence the difference.
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Yes. In my opinion, that’s just a completely broken chart. Comparing relative performance across different currencies practically never makes sense. You can even hold 100% VOO but if your base currency is not USD, you see a huge difference to the benchmark. I would attribute it to US-centric developers but Swissquote has the same bug 
(At least Swissquote allows changing the currency of your own portfolio in the chart, so as long as you know the benchmark currency, you can make the chart make sense with an extra step).
the returns are very much from individual stocks with VT kept at 20%. I tried options a handful of times over the past years and regularly had miserable outcomes, clearly telling me I should simply leave that to others. 
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