✅  RRSP: 19.48%

✅  TFSA: 20.45%

✅ Non-Registered Funds: 17.50%

✅ Stock Options 29.23%

✅ Bitcoin: 122.70%

✅ Fine Art: 24.38%

❌ Fine Wine: -6.12%

✅  Fine Whiskey 52.18%

👉 Real Estate: 0%

Here's a breakdown of my portfolio since 2021 (3 years) if you’ve been following along:

2021

Non Registered: 21.58%

TFSA 16.03%

RRSP: 19.38%

S&P 500: 26.89%

At first glance, you may notice that my portfolio lagged and underperformed the benchmark (S & P 500), and yes it did.

2022

Non Registered: -4.39%

TFSA -12.76%

RRSP: -0.71%

S&P 500: -19.48%

Rough year across the board in 2022 as all my traditional investments lost money (unrealized). However, they lost less than the benchmark. Which meant that I outperformed the market.

2023

Non Registered: 8.89%

TFSA 9.75%

RRSP: 10.63%

S&P 500: 24.46%

This year was nothing short of dynamic in the financial markets and in my investment journey. Here are some additional insights that I’d love to share with you:

Personal Reflections: Reflecting on the past year, I’ve realized the importance of staying adaptable. Navigating volatile markets wasn’t always easy, but every challenge reinforced my belief in long-term investing. For me, 2024 was a year of disciplined decision-making. While I celebrated wins like strong ETF performance, I also faced the humbling task of reassessing my approach when certain sectors underperformed. These moments weren’t setbacks—they were opportunities to refine my strategy.

Actionable Insights: To close out the year, I’ve put together a checklist for you:

• Review your portfolio performance and ensure your investments align with your financial goals.

• Check for opportunities to rebalance your portfolio based on 2024 outcomes.

• Consider setting SMART goals for 2025 (Specific, Measurable, Achievable, Relevant, Time-bound).

Remember: small changes now can compound into significant results over time.

Comparison with Benchmarks: In 2024, my portfolio growth largely mirrored broader market trends, with an annual return of approximately 20%, compared to the TSX Composite Index’s 18% growth. However, the real value came from diversification—balancing high-growth tech stocks with steady performers like dividend equities and alternative assets.

Impact of Key Events: From fluctuating interest rates to the impact of global inflationary pressures, this year emphasized the importance of staying informed.