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Here I share my investing journey, how I started, and all my investment mistakes – openly and honestly. If you want to build wealth or manage your money better – this is for you. I hope to bring awareness that you can also invest, small or big amounts, and learn with time that there is no perfect answer when investing – because no one knows what the stock market will do. It’s ok to make mistakes, but learn from them!
REPEAT: Do not follow my portfolio split – this is very high risk. Do your own research before investing.
LEARN MORE:
Follow my Instagram: https://www.instagram.com/moneywithcarla/
Read my blog: https://moneywithcarla.substack.com/
Visit my website: https://www.moneywithcarla.com/
ARTISTS MENTIONED:
Marlene Steyn: https://www.instagram.com/marlenehettie/?hl=en
Millie Suu-Kyi: https://www.instagram.com/milliesuukyi/?hl=en
TIMESTAMPS
00:00 My Investment Performance
00:48 My First Investments
01:44 Investing in a $5 billion company
02:22 Is that a good return?
02:55 That hurts!
03:36 What did I learn?
04:52 My “low-risk” investments
06:14 The most embarrassing part
09:00 Stock picking
09:48 Index Tracker ETF
10:19 Other investments, current splits
12:00 Employee Stock
12:22 Lifestyle assets, jewelry, and art
13:28 Property
DISCLAIMER:
All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
S&P500 returns disclaimer:
You cannot invest directly in the S&P 500. The 10% 20-year average return I mention is based on historic performance (source below), this performance is not an indication of future performance and is purely mentioned to illustrate my thinking when choosing between buying our apartment or investing in the S&P500. To make this comparison even more realistic, the real returns of the S&P500 should be considered, adjusted for inflation, and compared to our rent. Luckily, rent in Switzerland doesn’t increase very often (our rent has not increased in the 3 years we lived here) and inflation in Switzerland has historically been very low, averaging 1-2%. This analysis needs further details and an entire video to explain, but if you’re interested in learning more about this – have a look at this great video by Ben Felix: https://youtu.be/Uwl3-jBNEd4?si=UIWkIvtYHDSK8DGu
All returns shown are in USD terms.
S&P500 data shared:
– Image shown at 09:56 is as at 13 March 2024, image is my own
– Split shown at 10:14 is as at 7 July 2023, image by Leverage Shares and source used: State Street Global Advisor
– 20-year average annualized returns source: https://curvo.eu/backtest/en/market-index/sp-500?currency=eur
Credit to:
Visual Capitalist for the image shown at 10:29, linked here: https://www.visualcapitalist.com/the-109-trillion-global-stock-market-in-one-chart/
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