Le Bijou, Bahnhofstrasse 18, Zürich (2025)

23/09/2024

Even the most seasoned investors can find the market’s inherent volatility unsettling. However, when it comes to long-term investment, slow and steady wins the race. This approach offers a range of significant advantages.

Reacting to every market dip can lead to impulsive decisions like selling assets too early, which often results in unnecessary losses. On the other hand, when committing to a multi-year investment plan, attention shifts from the noise of daily market fluctuations to a broader, more strategic view.

What are the other advantages of long-term investing?

1. Maximized growth

Time is a valuable asset that can be used to your advantage when investing. Long-term investments in assets with long-term growth potential and risks that align with one’s investment goals can build wealth over time.

2. Compound approach

Short-term market volatility is a natural part of investing. Long-term investments, however, are less susceptible to these fluctuations. An investor fully committed to a strategic plan maintains composure and makes well-informed decisions, even during periods of market turbulence.

3. Efficiency

Long-term investments require less analysis and monitoring than short-term investments. This approach also minimizes time spent on transactions and offers tax-saving benefits.

As a rule of thumb, you should be willing to hold any investment for at least five years. Those committed to the long game know the stakes are high, but so are the rewards. Stay in for at least one year, and you're already ahead of the game. Stay in for five, and success becomes almost certain.

Discover the potential of long-term real estate investment with Le Bijou. Visit invest.lebijou.com to access exclusive properties and investment opportunities.

Mindful. Demure. Measured. Le Bijou.

19/09/2024

You don't need a fortune to become a real estate investor. A well-built portfolio can be achieved with as little as CHF 500. Exploring real estate investment opportunities with modest capital can open the door to substantial returns through strategic avenues, such as:

1. Real estate investment trusts (REITs)

REITs provide an opportunity to invest in a diverse portfolio of real estate without the need to buy physical properties. By investing in publicly traded REITs, investors can benefit from professional management and easily buy and sell shares. The liquidity of REITs makes them an attractive option for individuals looking to confidently enter the real estate market.

2. Real estate crowdfunding

Crowdfunding platforms allow investors to pool their resources to invest in larger real estate projects. This approach offers access to different property types with relatively low minimum investments. The general partners will manage the investment while you contribute to the common goal. This method democratizes real estate investing, enabling individuals to take part in deals that would usually demand substantial capital.

3. Real estate limited partnerships (RELPs)

Forming partnerships with like-minded investors allows for pooling resources to acquire properties that may be unattainable individually. In a Real Estate Limited Partnership (RELP), investors discuss potential opportunities in investment circles, seeking individuals to contribute capital to a partnership. Investing as a partner provides opportunities to invest in larger, more lucrative properties, fostering a sense of shared ownership and control over investment decisions.

Investment opportunities at Le Bijou are available for a minimum of CHF 500 per month. Le Bijou investors also receive a complimentary membership at Moonshot Circle, unlocking numerous benefits, such as high-quality investor services, event invitations, and more.

16/09/2024

Designing a luxury rental property requires a delicate balance between broad appeal and sophisticated exclusivity. The key to success lies in curating spaces that embody simplicity, timeless elegance, and refined luxury — elements that speak to the discerning tastes of a global clientele.

While there’s always room to take bold, creative risks with a designer style, a versatile, minimalist approach — highlighted by neutral tones and natural details — often proves to be the most profitable strategy.

When designing a rental property, consider the amount of space for customization. After all, tenants are never permanent, and the responsibility of preparing the property for the next occupant ultimately falls on the investor. For long-term leases, opting for a minimalist design can be the wisest move, giving tenants the freedom to personalize their living space.

At Le Bijou, we’ve perfected the art of blending modernity with the soul of Swiss luxury. Our signature “contemporary chalet chic” design seamlessly marries modern sophistication with our Swiss roots. We carefully select materials like suede, leather, stone, and brass for their quality, durability, and ability to create a warm, inviting atmosphere that stands the test of time.

Every element in a Le Bijou apartment is thoughtfully curated to embody luxury and comfort, ensuring that our spaces aren’t just places to live but experiences to cherish.

Welcome to the future of luxury living. Welcome to Le Bijou.

10/09/2024

As we continue our exploration of mindful investing, we will discuss three more questions an investor should carefully consider before committing to a commercial real estate property investment.

1. How will zoning regulations affect your investment?

Zoning regulations define how a property can be used and developed, impacting everything from tenant types to allowable modifications. Understanding these regulations ensures the investment complies with local laws and maximizes its potential value.

2. Is it the opportune time to invest?

Commercial real estate markets are cyclical, generally moving through four phases: recovery, expansion, hyper-supply, and recession. Analyzing economic growth, employment rates, and demographic shifts can provide valuable insights into the market's current position and future performance. For instance, recent data from Statista suggests that the commercial real estate market in Switzerland is projected to exhibit a compound annual growth rate of 1.12% by 2028. This indicates a sustainable growth potential that promises a stable investment environment in the long term.

3. What commercial property best aligns with your goals?

There are several types of commercial properties, including residential, office, flex, retail, and hospitality, each with its own gradations of investment risks. Turning to the current market situation, Switzerland, as one of the world's financial centers, is experiencing an upswing in office spaces type of commercial real estate following the relaxation of COVID restrictions. The real estate market is also seeing a surge in demand for luxury properties, highlighting the country's appeal for high-end investments.

By addressing these key questions, you'll gain the necessary insights to make strategic commercial real estate investments.

Visit our website lebijou.com to discover the finest Le Bijou investment opportunities, as we always support the importance of careful planning and informed decision-making.

30/08/2024

Profits stem from flexible and innovative solutions. For example, in the hotel industry, some establishments have adopted a strategy of allowing the public to access their amenities, such as swimming pools. This approach has proven to be an effective way to generate additional income, covering the expenses of maintaining these facilities open around the clock.

Suppose you happen to own a substantial estate, such as a château or country mansion in Switzerland. In that case, you can leverage a comparable strategy for hosting weddings and events.

• There’s always a high demand for beautiful venues to host weddings. In Switzerland, the average wedding cost can exceed CHF 40’000, with renting the venue alone making up 20% of the total wedding budget.

• Instead of letting your estate just sit idle, renting it out for weddings can provide a steady income stream, helping cover maintenance and operational costs.

• You can cater to a wide range of clients, from individuals looking for a simple ceremony to those wanting an extravagant celebration, therefore tailoring your services to different budgets and preferences.

• Operating your property as a business may offer advantages that allow you to offset expenses and investments.

These points just scratch the surface. On the Le Bijou website, we discuss in detail how to convert your property for weddings, covering essential aspects such as venue preparation, guest accommodation, and maintenance considerations.

Follow Le Bijou to discover more valuable insights on effectively managing real estate and maximizing the potential of your property.

30/08/2024

Commercial real estate has established itself as a reputable avenue for investors seeking to increase their net worth. According to Statista, analysts forecast a steady annual growth rate of 3.56% for the real estate market from 2024 to 2029.

However, this kind of investing is not without risk. Therefore, before embarking on a commercial real estate investment, it's crucial to ask the right questions to ensure it aligns with your financial goals and risk tolerance. Here are key considerations a savvy investor should contemplate prior to making an investment decision:

1. What are your financial objectives?

Depending on an individual's financial situation, the choice is between generating cash flow from rental properties and long-term appreciation. The cash flow approach can provide immediate returns, which is ideal for those who seek a steady income. On the other hand, appreciation may suit investors who are willing to wait for a significant increase in property value over time.

2. Is liquidity important in your investments?

Commercial real estate is typically less liquid than other investment vehicles like stocks or bonds. By assessing the need for liquidity, one can determine if this investment aligns with their financial flexibility requirements. Although some real estate investment trusts (REITs) are market-traded and offer liquidity, the majority of commercial real estate investments are long-term commitments.

3. What is your risk tolerance?

Commercial real estate can be volatile, with factors like market fluctuations, tenant turnover, and economic changes impacting returns. It is also important to realize that active real estate investors are more exposed to risk. Evaluating your risk tolerance ensures you're comfortable with potential challenges and can make informed decisions.

Investing in commercial real estate is more complex than it might seem, but addressing these questions will provide clarity at the outset of the investment journey.

Follow Le Bijou for more valuable insights on making informed real estate investment decisions and stay tuned as part 2 will be available soon.

19/08/2024

Among for-profit endeavors, investing may be the best known. Whether aiming to secure a home or planning for early retirement, the underlying aspiration remains consistent: the hope for profit.

At Le Bijou, we have long been frustrated by such a perception, often termed finance capitalism. As seasoned real estate developers, we understand that building a solid wall takes more than a single brick. Hence, an investment in Le Bijou represents something more than mere profit-seeking; it’s a gateway into the exclusive Moonshot Investor Network of like-minded individuals, investors, and entrepreneurs all seeking both personal and financial growth.

Once becoming a Moonshot member, an investor gains exclusive access to:
- their lucrative private market deals including SpaceX, xAI, and Breitling;
- benefits from companies they've invested in;
- inspiring talks, knowledge, and insights;
- complimentary services in family office quality;
- interest-free leverage loans;
- priority access to their networking events,
and more.

Back in 2018, Le Bijou joined forces – and networks – with Moonshot to create more than a strong community, but a family where investors become guests and guests become investors. This holistic approach created an ecosystem that has outperformed traditional forms of investing ever since.

Visit invest.lebijou.com and learn more about how you can seize Le Bijou cash flow powerhouses while enjoying complimentary membership perks from Moonshot’s extraordinary network.

16/08/2024

The Swiss housing market is a complex one. While homeownership rates are low compared to other European countries, many aspire to invest in Swiss real estate. But with rising prices and high interest rates, is the dream increasingly out of reach? And if there were to be a crash, would it make buying a home any easier?

The last significant housing market crash occurred during the 2008 global financial crisis. According to the S&P/Case Shiller Home Price Indices, home prices fell more than 15% in 2008 compared to 2007. The crash was caused by several factors:

- Subprime mortgages. Lenders offered risky loans to borrowers with poor credit histories.
- Housing bubble. Rapidly rising home prices created an unsustainable bubble.
- Economic downturn. Many workers lost their jobs, making it difficult to afford mortgages and leading to widespread foreclosures.

The escalating cost of housing has surpassed the increase in wages, making it increasingly challenging for middle-class buyers to afford homes in the past few years. It's not just about rising interest rates, although they are adding to the pressure. The bigger concern currently revolves around the expanding generation gap.

Millennials and Gen Z face a daunting down payment requirement, often requiring a hefty sum upfront just to qualify for a mortgage. This, coupled with stagnant wages, puts homeownership out of reach for many. If many people lose their jobs, as was the case in the 2008 crisis, even lower home prices may not make homeownership feasible for many.

The key to predicting the future of the market lies in employment and income levels. As Lubna Olayan once said, the middle class is the “backbone of any society.” But when they struggle to afford basic needs such as housing, it creates social and economic tensions.

Make sure to stay updated with Le Bijou for valuable tips and insights on effectively managing real estate.

26/07/2024

The Swiss real estate market in 2024 presents several promising opportunities for investors. This tendency is evident from the following recent changes in interest rates: on June 20th, the Swiss National Bank (SNB) lowered the key interest rate from 1.5% to 1.25%. What does this tell us?

We are seeing a more measured pace of increase in property prices compared to past years. This trend is influenced by two major forces:

◼️ Declining mortgage rates;
◼️ Significant rise in rental costs.

Let’s also note the trend towards sustainable development. Although sustainability is still relevant, it has diminished in priority among the population. Specifically, it fell from 40% to 26% over the past year, with a sharper decline among younger individuals, whose interest halved from 26% to 13%, according to Helvetia and MoneyPark.

Meanwhile, the aspiration to own a single-family house remains robust as the most ideal form of accommodation. By the beginning of 2025, the affordability of homeownership in Switzerland is expected to improve and offer financial advantages in the long term. Investors can benefit from higher potential returns on investment through increased rents, shorter vacancies, and long-term capital appreciation.

Stay on top of the Swiss real estate market trends with Le Bijou to explore the latest investment opportunities that address current real estate influence forces.

26/07/2024

In the realm of property law and investment, the terms “real estate” and “real property” are often used interchangeably, yet their nuanced distinctions carry significant legal and financial implications.

Real estate refers to physical land and everything attached to it. It is the tangible aspect of what one generally thinks of as property, with all buildings, structures, and other improvements attached to it.

Real property, on the other hand, includes the real estate along with all the rights, interests, and benefits associated with owning. It also includes a “bundle of rights” that determines how owners can operate their property within the legal framework.

Consider, for instance, a property featuring a lake. Real estate ownership allows the lake to be cleaned to enhance its appearance and market value, while real property ownership also allows activities such as fishing in the lake. However, in both cases, the owner's rights are limited by public law, including building codes, zoning regulations, and environmental statutes.

When it comes to investing, owning real estate or real property necessitates divergent strategies.

Real estate investment typically entails the acquisition of physical properties—be it for rental income, value appreciation, or resale. This approach, however, demands hands-on management and physical property improvement.

In addition to managing physical aspects, real property investment includes the legal rights associated with owning it. This could mean developing a land parcel's untapped mineral rights, monetizing air rights through strategic developer partnerships, or maximizing value through zoning optimizations.

To sidestep the hassle related to buying and maintaining real estate, many investors opt for real estate investment trusts (REITs), but Swiss investors may find traditional REITs unavailable. Fortunately, they have innovative alternatives such as Le Bijou to consider.

To learn more about Le Bijou investment opportunities, visit our website by following the link: https://invest.lebijou.com/

16/07/2024

The Swiss real estate market has demonstrated outstanding resilience in the face of the global pandemic. According to Global Property Guide data, the homeownership market experienced a brief dip in early 2020, but as soon as the first lockdown ended, the demand for real estate surged, particularly for mountain properties and apartments.

Late 2020 and spring 2021 saw a rise in rental prices and the number of properties under construction, signaling an upturn in the construction market. However, what can be expected from the post-COVID landscape?

Interestingly, the Swiss real estate market was not significantly impacted by the pandemic. Instead, it was Russia's full-scale invasion of Ukraine in 2022 that had a more substantial effect. The reduction in materials imported from Russia slowed the pace of construction and affected housing prices.

The residential construction sector saw a decline towards the end of 2023, yet forecasts suggest a more optimistic picture. The Swiss Federal Statistical Office anticipates a positive change in economic state by 2025, with figures expected to grow by 1.7%. This aligns with the global economic recovery, suggesting a potential pick-up in construction pace.

With these factors and a projected economic upswing, Switzerland remains a prime location for real estate investment. Le Bijou is here to support you in exploring these promising opportunities and to help you build a bright future in post-COVID Switzerland.

15/07/2024

While numerous factors influence the real estate market, they generally all come down in a predictable pattern when viewed from a broader perspective. Understanding the cyclical nature of property trends allows investors and homeowners to better prepare for and navigate market fluctuations.

1. Recovery

The initial stage of this cycle may appear to deviate from the conventional approach. However, in reality, this cycle has no defined beginning or end; all the stages are interconnected.
This phase marks the nadir of the previous cycle, characterized by low occupancy rates and weak demand. However, overlooking recovery could have adverse consequences. In a measured and strategic manner, it establishes a framework for acquiring superior assets at advantageous rates, positioning you to capitalize on the subsequent market rebound.

2. Expansion

As a result of the economic growth, we can anticipate an increase in occupancy and rental rates during the expansion phase, which stimulates new construction. The competitive landscape intensifies, but those who laid the groundwork at the start of the recovery gain a significant advantage.

3. Hypersupply

Furthermore, the cycle's short-term peak is often misinterpreted as an optimal time to invest. This phase is also known as overheating because excessive construction activity can eventually lead to increased vacancies and downward rent pressure. Many investors choose to exit at this juncture. However, those who remain should focus on maintaining high occupancy rates.

4. Recession

Unlike the recovery period before overheating, the decline progresses visibly faster. Declining demand results in rising vacancies and falling rents. While presenting challenges for sellers, it offers compelling opportunities for patient investors with a long-term perspective.

Follow Le Bijou to learn more about commercial real estate life cycles in Switzerland.

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