00:00Imagine you had invested 10,000 euros on January 1, 2025.
00:05How would it have turned out?
00:06What was the best asset class in 2025?
00:10Stocks like the S&P 500?
00:12Gold?
00:13Or Bitcoin.
00:14Most people would probably guess the tech giants or the cryptocurrencies.
00:18But that's the mistake.
00:20Because the real winner of 2025 is an indoor ski slope that has pulverized the returns of all others.
00:25I'll tell you in a moment which asset it is and how 10,000 euros became over 22,000 euros.
00:32But first, we need to talk about the biggest loser and why so many investors were misled.
00:38Welcome back to the 2025 Investment Year in Review, which will not only inform you, but shock you.
00:44Today I'll show you what the best investments of 2025 were and, most importantly, what you can learn from them for the coming year.
00:50Although this is of course neither investment advice nor a recommendation for action.
00:55Today I analyzed the performance of the most important asset classes from January to December 22, 2025.
01:02We're talking about stocks, gold, silver, and Bitcoin.
01:05And most importantly, I'll calculate exactly what a one-time investment of 10,000 euros would have yielded and how a potential savings plan would have performed.
01:13Finally, I'll show you the ultimate portfolio that has generated the highest profits almost unnoticed.
01:19So let's get right to it, because the numbers don't lie.
01:22Start with the asset that evokes the most emotions.
01:24On January 1st, the Bitcoin price stood at a whopping 95,000 US dollars.
01:30The forecasts were euphoric.
01:31Reaching the 150,000 mark seemed only a matter of time.
01:35But reality was different.
01:37By December 22nd, the price had fallen to $75,000.
01:41That's a loss of $20,000, or the equivalent of 21% in your portfolio.
01:47What does that mean for you?
01:49If you had invested 10,000 euros in Bitcoin on January 1st, your investment would have been worth only about 7,900 euros on December 22nd.
01:57A clear loss.
01:58And a savings plan?
01:59Even if you had invested 500 euros per month, your portfolio would ultimately have a total value of 5,133 euros.
02:06For the fact that you deposited 6,000 euros.
02:08Bitcoin was a real performance killer in 2025.
02:12And I will explain to you in detail why later.
02:14So it's worth sticking with it.
02:15Now let's turn to the solid foundations.
02:17The stock markets.
02:19The S&P 500, the benchmark for the US economy, has had a strong year.
02:23He started at 5,900 points and shot up to 6,860 points on December 22nd.
02:29That's a substantial increase of 16.4%.
02:32Your one-time investment of €10,000 would have grown to €11,640 here.
02:37And your monthly €500 savings plan would have given you a final value of €6,640.
02:43So, a profit of 640 euros.
02:45Solid and reliable, as in most years.
02:48But not as spectacular as the best investment on our list.
02:51The MSCI World, which reflects the global industrialized nations, was somewhat more reserved.
02:55It rose from 3,720 to 4,442 points, which corresponds to a return of 13.4%.
03:03Your 10,000 euros would have become 11,340 euros.
03:06Both indices delivered what was expected of them.
03:09Steady and slow growth.
03:11But they were completely overshadowed by two other asset classes.
03:15Before we get to these, specifically the precious metals gold and silver, let's take a look at emerging markets.
03:20Measured against the MSCI World Emerging Markets Index.
03:23This index started at 1080 points and climbed to 1383 points.
03:28That's an increase of 28.13%.
03:31This means that the MSCI Emerging Markets has even slightly outperformed its big brother, the S&P 500, in relative performance.
03:38Your 10,000 euros would have become almost 13,000 euros for this.
03:42Emerging economies proved in 2025 that they are an important engine of growth.
03:47Now let us turn to gold, the eternal haven in stormy times.
03:50But in 2025, investing in gold was more than just a hedge.
03:53It was a profit engine.
03:55Starting at $2,798 per ounce, the price shot up to $4,510 by December 22nd.
04:03That's an incredible increase of 61.16%.
04:07Your one-time investment of €10,000 would therefore have grown to €16,117.
04:12And your €500 savings plan would have yielded you €7,450.
04:17That's an increase of almost 1,500 euros.
04:19Gold has outperformed the stock markets and Bitcoin.
04:21The reason? The ongoing global uncertainty and the flight from the highly volatile crypto sector.
04:26have driven capital back into traditional tangible assets.
04:30This was exacerbated primarily by the massive money printing by the banks.
04:34But even gold is not the champion.
04:36There is a metal that has overshadowed gold.
04:38And this is the story you absolutely mustn't miss in 2025.
04:42So let's get to the true champion of 2025.
04:45A performance winner that few people are aware of.
04:48Silver.
04:48On January 1st, the price per ounce was $31.30.
04:52By December 22nd, the price had exploded to $71.50.
04:57Do the math.
04:58That's a gain of $40 per ounce and a percentage increase of over 120%.
05:04That is more than double the performance of Gold and five times that of the MSCI World.
05:09So what would have happened to your money?
05:10The one-time investment of 10,000 euros would have turned into 23,200 euros.
05:16More than doubled.
05:17And the €500 monthly savings plan would have increased your money to an incredible €12,500.
05:24Silver outperformed all other asset classes in 2025.
05:28It benefits not only from the flight to tangible assets, but also from rising industrial demand.
05:32Especially in the areas of solar energy and electromobility.
05:34Now to the last and perhaps most important point.
05:37How would a sensible, diversified portfolio have performed?
05:40I have analyzed a portfolio for you that consists of 5% gold, 10% silver, 15% emerging markets and 60% MSCI World.
05:48We'll keep the remaining 10% as a cash buffer.
05:51Most investors would have expected a solid but unspectacular result based on these figures.
05:56But the combination of the stable MSCI World and the performance boosters Silver and Emerging Markets has worked wonders.
06:01This portfolio will achieve a total return of 41.9% in 2025.
06:08The one-time investment of 10,000 euros would therefore have grown to 14,109 euros.
06:13The savings plan of 500 euros per month would have transformed your invested capital of 6,000 euros into a final value of 7,553 euros.
06:22This portfolio has outperformed the S&P 500, the MSCI World, and gold alone.
06:26It shows that you don't have to rely on a single big hype to achieve above-average returns.
06:31The art lies in correctly weighting the quiet champions.
06:35Diversification brings security and returns.
06:372025 was the year of the underdogs.
06:40It was the year in which Bitcoin disappointed investors and the stock markets were solid but not outstanding.
06:45It was the year in which silver, with returns of over 120%, proved that the biggest gains are often found where the fewest people look.
06:53So let me give you a checklist for 2026.
06:551. Question the hype.
06:58Don't be blinded by the loudest headlines.
07:00Bitcoin has shown us that high volatility also works in the downside.
07:042. Diversify intelligently.
07:07A portfolio that combines the stability of the MSCI World with the explosive gains of silver and emerging markets was the key to success this year.
07:153. Pay attention to tangible assets.
07:16Gold and silver are not only a hedge against inflation, but can also become real return boosters in times of geopolitical and economic uncertainty.
07:24If you want to stay up-to-date in 2026, subscribe to the channel now and activate the bell.
07:29And if you would like to see another asset class included in the next analysis, please let me know in the comments.
07:33I read every single one of them.
07:35Oh, and one more thing.
07:37YouTube thinks you would really like this video.
07:39What do you think?
07:40I read every year.
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