Just had a look at my TWR YTD. Still positive and fairly strong (a bit more than 2%). Diversification plays out well this year…
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YTD:
1.18% on my dividend strategy, almost exclusively U.S. stocks, but sector diversified.
But -6.57% on my momentum strategy.
But more interesting is the XIRR, (eXtended Internal Rate of Return) over longer periods.
Per today dividend strategy since 2014 is 10.18% and momentum strategy since 2020 24.99%. No risk no fun.
I hold TSLA since 2019.
Price action is now below the 200 WMA and this does not happen often.
I am personally holding my position (green up to now).
Europeans are not so far away these days with CBDC deadline Oct 2025 and wishing to promote citizens’ investments Press corner | European Commission
Not sure what you mean and how the actions in Europe compare to US govt promoting Tesla?
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There is an ocean of difference between promoting general investing and shilling the company of a government employee on live TV.
Like not even close to comparable.
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I was thinking ahead.
What is written on EU website as of now is a non-offensive form of promotion.
Like boiling the frog alive it could lead to forcing people to buy war bonds or finance the energy transition via retail CBDC. So you are right: promoting the company of a government employee on live TV is not even close to forcing citizens to invest is specific products.
How’s this for an argument? 
Don’t think slippery slope arguments are super helpful. (esp. when there’s no precedent to back them up)
The website is mostly fluff saying that EU has high amount of money in savings accounts vs. capital markets, esp. compared with US, and to make EU more competitive there needs to be more financial education/encouragement/etc. so that more money flows from savings accounts to capital markets.
If anything savings accounts is where investments are heavily directed (and that’s already the case).
But I don’t see at all how you can go from that to forced savings and expropriation…
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What does diversification look like for you ?
The plan:
The practice:
- been saving cash from June '24, no buys until
- bought 10% gold with saved cash in Feb
- rebalanced 30% gold to VWRL on 3/4/2025
The updated plan:
- continue saving cash to June as originally planned
- rebalance 30% gold into VWRL every further 10% drop assuming gold is at least over water
- June 2025: as described above, after that keep regular buying
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Didnt this mean that your purchase price yesterday for VWRL was same as June 2024?
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1.5 CHF/share lower than what I paid in my last buy 
i guess that’s the dividend paid over 12 months if you bought VWRL that time.
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Well didn´t ask us to buy Credit Suisse stock? Oh wait I might just have imagined that.
I’m taking a similar route as the OP: mostly broad ETFs + some speculative play money for fun (yeah, TQQQ has been wild to watch).
On the alt-assets side, just a heads-up: I looked into some private investment deals too and realized how tricky they can be legally. Oberheiden P.C., a firm that handles complex securities issues, explains the two main routes: Reg D for private placements by issuers, and Rule 144A for big institutional resales without SEC registration. Their guide helped me avoid walking into something sketchy: https://federal-lawyer.com/securities-litigation/investment-lawyer/ppm/reg-d-faqs/
15 posts were merged into an existing topic: Chronicles of 2026 - the next chapter
And the winner is:
The only post in the thread mentioning gold as an investment.
I think they only consider ETFs traded at SIX, but nevertheless:
Top 5 winners ETFs:
- silver
- gold miners.
Bottom 5 is more interesting:
- 2x leveraged inverse DAX (OK, drop it)
- Oil
- Japanese Government Bonds (what, bonds ETF -20% in a year ???)
- Digital payments theme
- Cloud computing theme
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Sorry Sir, you are speaking to an Oil Sheikh. OK, started buying in October…contrarian Sheikh.
whaat? Did the bond perform very badly or the ETF bought them a the wrong time all year long?
JPYCHF went down quite a bit and JPY long term rate went up (so bonds went down accordingly).
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