Earnings season always brings some buzz to the portfolio, and those plunges are also a buzz 
Luckily, this torture will soon end. 
How about the brother asset class? - My mini crypto portfolioâs total investment history returns:
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Others have published such nice return curves, so letâs put some proper underperformance from this year as a counterbalance. Seems to have found a straight flush of underperformers 
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Somewhere the early-year overperformance vanished, and in recent weeks, weâve taken a real beating compared to the index:
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Question: where can one get such an annual return report from Nordnet? Iâve been looking but have only found the traditional graph. Or is that only in the app?
In the browser, when you log into your portfolio, if I recall correctly, there was a button next to the currency account and available balance, from which you could view your own returns vs. the selected index/target.
Oh, so it is, thanks!
Apparently, my cumulative annual return over 16 years is 15.6% p.a.
Edit, Iâll also add the best and worst years here, there have been quite large fluctuations along the way:
Best year 2009: return +60%
Worst year 2022: return -54%
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From the mobile app. From the Development section of the Analytics sub-page.
Nordnetâs leveraged portfolio has finally climbed back to profitability since June 2023! 
At the same time, the strategy with leveraged products has proven effective. Upwards from here? 
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The year hasnât ended yet, but I thought Iâd check the situation compared to 9 months ago.
So, the return on my securities account has continued to be quite good, YTD is now +18.67%, which at this point would exceed last yearâs final YTD (+17.15%), so weâll see how the next approximately 7 weeks change the situation.
I canât say anything about the returns on the share savings account, as OP still doesnât offer any charts, but it has given more than it has takenâŠ
Overall, as I write this, my net worth has grown by about 23% since the beginning of the year, which is about 30500 euros in money, which is more than my net income for the entire year, and I am even 1.5 years ahead of my Excel investment plan, so I am surprisingly pleased with this.
Nothing else to say but content and full of enthusiasm towards the end of the year and the beginning of the next, where the final YTD percentages are looming less than 7 weeks away!
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**
An Investment Wrapperâs Year
**
A year ago, I closed an old, expensive investment agreement and entered into a new investment insurance agreement with OP. It also costs money, but I value the free modification of investment allocations.
I included America, Europe, Asia, and Nordic indices in the wrapper and invested the ~âŹ22,000 released from the old wrapper directly into this new one. Additionally, during the first six months, I put the ~âŹ28,000 released from a fixed-term deposit here. I have also been adding to the insurance, somewhat unevenly, like monthly investing, about âŹ650 per month.
I have modified the allocation ratio and/or content of the insurance four or five times during the year. More than intended, but the crazy world situation made me act this way. In the early part of the year, I dropped the America index in a couple of parts from about 60% weight to about 10%, and luckily, it was the right move. The rest of the world performed better. Later, I have raised it again. Most recently, I also included the OP-euro short-term interest rate fund in the wrapper. Kind of like a cash substitute when bubble talk started to scare me. At the same time, I switched the Nordic index to the Finland index. Helsinki is popular! 
I am very satisfied with the portfolioâs return.
+12.26% annually, while OP-Maailma has returned 6.76% annually and America 4.17%. Going all-in on the Europe index would have, of course, yielded a better 17.5% return, and OP-Suomi would have been the winnerâs choice with 29.85% 
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Sometimes itâs nice to dig into long-term figures to illustrate practical investing. I just looked at my Nordnet portfolioâs annual returns from 2009-2025, comparing them to the Helsinki Total Return Index.
A few observations:
- Total return
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Iâve had a bit of a crisis these past few years and everything went (divorce). Everything from my portfolio was gone, but at least the properties remained (though the loans did too). Anyway, at some point I pushed myself and calculated how much my returns were before all this.
So I come from the middle of nowhere and have never been given money upfront. In other words, a so-called Self-made man (even though no one truly achieves anything alone).
Well, anyway, I calculated the average return over ten years, and my CAGR was 25% for at least ten years. The ten-year review period is because thatâs when I truly moved out on my own, and itâs been easy to track from that point to the end. So I didnât bother calculating accumulated summer job money etc. because thereâs less information about those and itâs more difficult. But the starting situation was autumn 2014: âŹ20,000, end in January 2025: âŹ200,000.
It went quite well. Now I only have a roof over my head and âŹ3,000 invested in Nanoform. Hopefully, success continues, preferably with an even steeper slope, even though with that performance, I almost count myself among the worldâs best investors.
Quite well, especially considering Iâm uneducated.
Well. Thatâs it for today.
Letâs add an edit now. I also got to test Nexstimâs technology and got rid of severe depression with it. It was quite a miracle device, by the way, as I recovered from it in a month (trigger warning: severe depression) after having been on the verge of suicide for two years. Otherwise, without the Inderes forum, I wouldnât have thought to ask a doctor if TMS treatment could be tried. So, a slightly different thank you to Inderes from here 
This is a good addition also because I can post this:
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Itâs great to have you back, having experienced and especially overcome many things on your journey.
I used to thoughtfully read your posts, for example, in the Rovio thread. When I noticed new messages starting again, I dug out my (imaginary) reading glasses and read carefully once more.
Letâs hope for sweet returns, but even if the CAGR stays slightly below 25%, it will turn out well. All the best for everyday life and celebrations!
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November is over, and there was some fluctuation in stock prices during the month. The portfolio balance ended slightly in positive territory.
- November 2025: + 0.86 %
- YTD 2025: + 11.55 %
- 12 months: + 9.71 %
- 2 years: + 26.58%
It remains to be seen if the end of the year will bring a decline in stock prices, as many clear out losses from their portfolios to minimize taxes. Additionally, the global situation may have an impact, with Trump trying to end the war in Ukraine while Putin threatens Europe. I donât intend to make any major changes to my portfolio. I will probably have to liquidate a small number of shares to cover the monthâs bills.
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