When I wrote my 2024 review last year , the CAGR was 12.7% across a 4-year period. The CAGR now stands at 13.2% across a 5-year period after a 15.6% return in 2025. I don’t think this result is too shabby but I was honestly expecting a better result at the end of Q3 2025. When Q3 was concluded, my YTD return was 21.3% and I was expecting that I could end 2025 with a >20% return. Unfortunately, Bitcoin has a different idea and dragged my portfolio down in Q4. The monthly returns for Bitcoin in......