One week before the Art Basel fair brings the international art world together, Zurich becomes a bustling hub for artists and art lovers. This is thanks to the Zurich Art Weekend — three days of free exhibitions, lectures, and guided tours offered by Zurich museums and galleries.
The event includes more than 65 venues across the city, presenting over 75 exhibitions that showcase Zurich’s contemporary art.
Designed for collectors, artists, and anyone with a passion for art, the event promises an unforgettable journey of creativity and expression.
Make the most of your Zurich Art Weekend experience without worrying about the accommodations – Le Bijou invites you to stay in tech-enabled apartments located in the heart of Zurich.
Visit lebijou.com to book luxury quarters that will add to the memories of an unforgettable weekend as you celebrate the depth and beauty of contemporary art.
When considering passive income opportunities in Switzerland, real estate is lauded for its inherent stability and sustained long-term growth. Four options reign supreme among real estate investment options, yet the pivotal question remains: Which is the ultimate passive income source?
1. Direct ownership
Purchasing property for rental purposes is a common strategy in investing. However, it requires a significant commitment of capital. While mortgage financing can alleviate this challenge, the interest paid often erodes much of the rental yield. Not to mention direct ownership also demands substantial time and effort, which can contradict its “passive” label, especially for individual investors.
2. Fractional ownership
Fractional ownership allows investors to acquire a small share of a property and benefit proportionally from income and capital growth. Enabled by tokenization, this approach opens doors for individuals with just a few thousand francs to invest in, and receive income from, Swiss real estate.
3. Crowdfunding
Crowdfunding platforms provide opportunities for fractional investment with relatively low capital requirements, sometimes starting from as little as CHF 100 while offering yields of up to 10%. Yet this way of investing comes with dozens of potential pitfalls such as the property’s quality and security, low management standards, inconsistency in tenant flow, and many more.
4. Debt
Debt is a passive income source that allows investors to profit from capital lent to real estate companies. Opting for a bond ETF, while possibly a reasonable entry point, has relatively high volatility and correlation with other public market assets like stocks, unlike the debt of private Swiss real estate companies.
With the variety of offerings available, investors should be able to find opportunities that best match their requirements in terms of both return and risk, allowing for earning well while also sleeping well. Visit invest.lebijou.com and disco
Most investors seeking entry into real estate fail to think outside the box. What they most likely choose from are REITs, which like any publicly listed asset are subject to daily market volatility; direct ownership (buy-to-rent) that requires significant capital to start, further concentrating risk and limiting diversification; and options like flipping houses that also require a great deal of time and money.
The good news is that, in today’s market, there is an alternative means of investing in a real estate business. This is comparable to direct ownership, except that investors are buying a share in a limited liability company (specifically set up to invest in real estate) or a project curated by that company.
What makes this superior to most traditional options?
1. Fully operational business
With all its hassles, property management is typically outsourced by the business. Imagine: you're a co-owner of real estate and neither have to manage cleaning, catering, or concierge services, nor deal with difficult tenants.
2. Lower entry threshold
Building a well-diversified portfolio of properties in prime locations necessitates a substantial upfront capital commitment, often beyond the means of investors. By pooling capital with like-minded individuals in a real estate company, investors can access a broader range of properties and thus a higher diversification level.
3. Better cash flow
Individual real estate investors frequently encounter unexpected expenses, such as property damage or renovations, which can strain cash reserves. However, by investing in a real estate company with a diverse portfolio of properties, the likelihood of simultaneous maintenance issues across all units diminishes. Consequently, investors are mitigating liquidity risks.
In the 21st century, real estate businesses both make it easier to invest in and maintain real estate and also offer greater diversification and higher returns than most investors can get on their own. Visit invest
To paraphrase Emily Dickinson, the future is made of eternal nows. Consequently, the question many wonder is, “How can one balance the needs of the current now with those of the future nows?”
The good news is that everyone can enjoy today’s sun without sacrificing the twilight years. The key is to simply keep in mind four simple maxims:
1. Use the 1% rule for impulse buys
While resisting impulse buys can be challenging, too many can devastate your savings. For any impulse purchase worth more than 1% of your annual income, sleep on the purchase. Most will lose their shine in the light of a new day.
2. Keep the 50/30/20 rule
The 50/30/20 rule is one of the simplest, yet most effective, ways to save money. Basically, the rule suggests you should spend 50% of the income on needs (such as rent or mortgage), 30% on wants (things you don’t really need but that make you happy), and the remaining 20% on your savings and investments.
3. Favor experiences over possessions
Many studies show that experiences deliver longer-lasting happiness than possessions. So consider a daily walk or regular weekend away with loved ones as an investment in your happiness. There is no need to spend a lot of money, but you do need to invest your time.
4. Multiply your savings by investing
Even with higher interest rates, holding cash delivers poor long-term returns. Instead, consider using some of your savings to multiply your wealth. How much should you invest? Try the “100 minus your age” rule, which guides individuals on how much to invest in higher-reward assets.
For example, if you are 40 years old, consider allocating 60% of your investments to higher-return assets like growth stocks and private equity as well as 40% to less volatile assets like debt (and perhaps real estate).
While you don’t need to move to a hermitage to ensure a prosperous retirement, neither should you live like a king. As with many things in life, balance is a key.
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The adage "it takes money to make money" certainly holds true, but when it comes to real estate, it also involves locking up substantial amounts of money for long periods of time. So, before you invest in real estate, it's essential to determine how much liquidity you need in your portfolios and understand the varying degrees of liquidity across different real estate markets and properties.
Insufficient liquidity can restrict you from taking advantage of future investment opportunities and rebalancing your portfolio in the face of changing market conditions.
Before investing in real estate, consider these factors that influence market and property liquidity:
1. Location
High demand locations have higher turnover and thus higher liquidity. Even within well-regarded neighborhoods, specific streets will have higher demand than others because of their proximity to services or the views they offer. While selling a property overnight might be a stretch, weeks could be all you need in high-demand areas.
2. Property type
A single-family house or apartment will usually be more liquid than a mansion or a warehouse. It’s all about the demand level. And doing your research when looking for one will surely pay in the end.
3. Selling costs and taxes
Different jurisdictions come with varying processes and costs when it comes to selling a house or your share of it. The higher the costs and bureaucratic obstacles, the less liquid a property is.
4. Financial conditions
Higher interest rates and reluctant banks make it hard for buyers to get the cash they need to buy a house, thereby diminishing market liquidity.
Real estate investment is rewarding but must be done carefully. Liquidity should be a big part of your decision-making process, especially in today’s environment, where interest rates may still be on the rise.
Visit invest.lebijou.com to get a glimpse of our portfolios of superior real estate.
When your heart pounds to the rhythm of drums and the soft notes of saxophones blend with soulful voices, transporting you into a dreamlike state, this means jazz has returned to your heart and the streets of Switzerland.
This year, Bern welcomes the 49th International Jazz Festival, running from March 19th to May 25th at Marians Jazzroom. Founded in 1976 by the esteemed Hans Zurbrügg, affectionately known as “Mr. Jazz” among locals, this event has blossomed into a celebration of diversity and creativity. The festival creates an atmosphere that allows everyone to relish in the evolution of jazz across different cultures and generations, from young enthusiasts to followers of traditional jazz from New Orleans.
This year, the International Jazz Festival will enchant its visitors with over 200 individual concerts, featuring an exceptional lineup of talent from around the globe. Among them are emerging blues artist D.K. Harrell, devoted to preserving traditional blues, and Billy Cobham, acclaimed as “[jazz] fusion’s greatest drummer.”
Don’t miss the opportunity to soak in the enchanting ambiance and witness the magic of live music at its peak during your visit to Bern. Book your stay at one of Le Bijou’s apartments in the heart of Bern via lebijou.com/contacts and enjoy the city's charm, covered in the rhythm and harmony of jazz.
When your birthday falls at an age that ends in a zero, it's an occasion worth celebrating in a big way. Creating a memorable event for this milestone and sharing it with your loved ones helps to reflect on the past and embrace your aspirations for the future. Here are 4 essential ingredients for the perfect birthday event.
“You don’t get older, you get better.” — Shirley Bassey
1. An easily accessible location
Nothing spoils plans like a hard-to-access or a difficult-to-find location. Opt for a venue that offers easy access by road and public transportation, such as a central city area.
2. Guest accommodation
Keep in mind that some of your guests might need to travel to attend your celebration. Therefore, it’s best to select a venue that provides accommodation with enough rooms for all your traveling guests. Make it easy for your guests who have made the effort to come a long way.
3. High-quality food and beverages
Choose a venue that offers quality food and beverages at a reasonable price. This will save you the hassle of having to organize this separately.
4. A venue with activities
Many birthday party venues come with inclusive services, such as decorations, entertainment, photo booths, and more. Although these extras may incur additional costs, they can create memories that will last a lifetime.
Incorporating these 4 key ingredients into your birthday celebration will ensure an amazing and carefree experience. Nestling all from in-house kitchens and open-air terraces to full celebration management, including guest accommodation and providing food and entertainment, Le Bijou might be the best choice for your next big birthday.
Visit lebijou.com/host-an-event to find out more about organizing the perfect party at the most spectacular locations.
Bonds have long been viewed as a steadier income option compared to stocks. The recent volatility in sovereign bonds and the uncertainty around interest rates, however, have caused many people to step back from the bond market. Barron’s magazine puts it like this: “A reality check is hitting the bond market.”
That said, not all bonds are the same, especially those within private markets, which may perform differently from their public counterparts – and Le Bijou bonds are no exception. Here are three advantages that elevate them in today’s market:
1. The unique combination of bonds and real estate
The coupons of the Le Bijou bonds primarily come from the revenue of fully operational Le Bijou properties in the most prime locations across Switzerland. This provides a strong foundation for the bonds and the unique diversification benefits for investors, as well as the opportunity for Le Bijou to fuel further expansion and unlock new destinations and properties. A win-win.
2. A high coupon rate
The current issue of Le Bijou bonds has a coupon rate of 7.125% p.a., surpassing the majority of Switzerland’s popular public markets’ alternatives. For example, the SBI Corporate Total Return index, tracking the Swiss franc-denominated bonds of corporate organizations listed on the SIX Swiss Exchange, suggests the average coupon for such in 2023 has been as little as 1.15% as of the end of November.
3. The dependability of Le Bijou
Le Bijou has established an outstanding track record with its bonds. Since its first issue in 2016, Le Bijou has consistently met coupon and principal payments, not missing a single one – even during the depths of the COVID-19 pandemic.
Visit invest.lebijou.com/le-bijou-bond/ to discover more about how you can take advantage.
Le Bijou became a globally recognized brand for its modern apartments, where the coziness of home and European design intersect.
What's the secret to each apartment’s allure? It’s simple: We produce and build Le Bijou ourselves. Every inch is thoughtfully planned to the smallest detail, with nothing left to chance.
Let's take a deeper dive into our process.
1. Research and selection of location
Le Bijou thoroughly researches the premium real estate market, using our extensive network to identify the most compelling opportunities. We have strict criteria for location, quality, infrastructure, vision of ambiance, and aesthetics, and we only select opportunities if they check all of those boxes.
2. Planning and production of apartments
Our design team develops our signature contemporary chalet-chic interiors. We want to get every detail right and therefore attach our bespoke technology in the planning phase. The design team then produces photorealistic 3D renderings, enabling us to walk around the planned rooms with VR goggles and other tools.
The production team then manufactures interior modules off-site. The whole spectrum of the interior is produced, including installed tech, before sending the team to the construction site.
3. Construction and technology integration
We keep the construction process short to decrease rental downtime. Once everything is up and running, our IT team connects all pre-installed tech and thoroughly tests the apartment. Prior to opening a new Le Bijou unit for our guests, we inspect every aspect, optimizing processes and then giving it a final check.
Once completed and quality-checked at all stages, Le Bijou gladly opens the apartment’s doors to guests. Our holistic approach ensures that the Le Bijou experience is consistent, from the drawing board to placing the Bettmümpfeli (bedtime chocolate on the pillow).
Stay with Le Bijou and experience the ultimate comfort and luxurious atmosphere of our apartments.
A weekend in Zurich: the best places you should visit
Zurich is renowned as a major global financial center. Besides its importance in the world of finance, Switzerland’s largest city has so much more to offer as a must-visit destination for travelers. In this post, we will explore some of Zurich's best spots that should be on every visitor’s itinerary.
1. Bahnhofstrasse
Zurich is a city where modernity meets tradition - and the Bahnhofstrasse is a perfect example of the harmonious blending of old and new. Stretching from the central station to Lake Zurich, this world-famous boulevard is known for being one of the most exclusive shopping streets with countless luxury boutiques and jewelry stores.
Not only for shopaholics, the Bahnhofstrasse features numerous small side alleys which offer the ideal starting point for a stroll through the city’s Old Town. Here is where the Zurich of today meets the Zurich of years past. The historic town center resembles more of a charming village than a burgeoning metropolis.
2. Zurich’s local “mountain”
What would Switzerland be without its picturesque mountains? Yes, even Zurich has its own mountain. At around 870 m (2850 ft) above sea level, the Üetliberg is a popular destination for locals and tourists alike. With its spectacular panoramic views of the city, Lake Zurich, and the Alps, this is an especially popular spot in November when its summit lies atop the high fog that so often envelops Zurich at this time of year.
3. Viadukt in Zurich West
Many are surprised to discover that Zurich also has an industrial past. Some of these places have since developed into hip neighborhoods with lively dining scenes. Perhaps the most popular and trendiest neighborhood is Zurich West.
The major highlight of this area is the picturesque old railroad viaduct, where visitors can admire contemporary art, embark on a shopping spree for fashion by local designers, head out for dinner and drinks, and enjoy the informal vibe of this area.
At the foot of the Swiss Alps, Zurich perfec
Client’s review: Philippe Mayer
Client’s review: Philippe Mayer
Le Bijou apartments have received accolades from various clients, including the prestigious Les Ambassadeurs hotel, which chose Le Bijou for its advertisement campaign.
“When I entered the apartment, I only could say wow.” – Philippe Mayer, a representative of Les Ambassadeurs
This statement speaks volumes about the quality of Le Bijou's apartments and the experience we provide to our guests. The apartments were designed with meticulous attention to detail and offer a luxurious alternative for those who appreciate the finer things in life.
Our commitment to excellence is reflected in every aspect of our service, from high-end amenities to personalized concierge service. As a result, we have created an unparalleled experience for our guests, making Le Bijou a top choice for those seeking a one-of-a-kind experience that will leave them speechless.
Visit invest.lebijou.com/presentations/ and register to experience Le Bijou yourself during our live or online apartment viewing.
The myths of passive real estate investing (part 2)
When people think of passive income, real estate is usually near the front of their minds. It’s by far the most explored means of passive income, but due to its popularity, certain myths have arisen. In this post, we will uncover more myths of passive real estate investing and share with you the keys our clients use to unlock success.
1. Don’t invest because of inflation
Going into debt to invest in properties can hedge against inflation. With a fixed-rate loan, the collectible rent increases with the cost of living, but the mortgage doesn’t, meaning an investor’s cash flow rises with inflation. For example, with a 30-year loan, you could be paying your mortgage expense in 1992 francs but collecting rent in 2022 francs. Real estate usually outpaces inflation, making it an ideal hedge.
2. High home prices mean it’s a bad time to buy
An increase in home prices is a great thing for real estate investors. Houses may cost more, but the expectation is that these will be worth more in a year. Alternatively, investing in a market with declining prices can be more of a gamble.
3. It’s only worth it to invest in real estate you would live in
This myth is a slippery slope if, like many investors, your main goal is to secure a vacation property for personal use and secondarily use renting as a way to bring in extra income when you’re not occupying the space.
If this describes you, beware; you must consider the fact that a house you’d want to live in is likely more upmarket than one a real estate investor would consider — and it would therefore be more difficult to earn back your money. The higher the price of a home, the more expensive it is to maintain. You must consider all the costs of homeownership: unfilled vacancies in the off-season, renovations and repairs, and taxes, to name a few.
Deciding whether property investment is right for you can be difficult. The process of investing in real estate requires considerable market knowledge, as well as l
The myths of passive real estate investing
“Passive income” has become a big buzzword. Many people are trying to find ways to make money while they sleep, and a more popular avenue is real estate. An income-producing rental property sounds like an easy way to earn returns, but the reality can be far different.
We at Le Bijou have helped hundreds of investors see returns on their real estate investments, so let’s delve into three common myths of passive real estate investing.
1. Being a landlord is passive
Any landlord knows there is a large amount of work involved, like marketing and vetting tenants, which is especially risky for new landlords. An error in judgment can cost a hefty sum. After securing tenants, landlords maintain properties, take care of repairs, handle complaints, and more. Even traveling between properties takes time.
Being an independent landlord can become a full-time job and by no means is a passive income.
2. You can make rental money from any house
Now, the myth is not that you can make money by purchasing real estate and renting it out; it's that anyone can do it with any property.
Evaluating a house is similar to judging a prospective tenant. Look at multiple factors, like the job market, property taxes, and future development. You should approach an investment property differently than a single-family home because you’re trying to answer this question: “Will this property make me money?”
3. Investing in real estate is more complex than investing in stocks
Time is the big differentiator between real estate and stock pricing. The price of a stock today is easy to find out, but a year from now? No one knows. Many factors influence stock value. It’s far more complex than estimating what a house will be worth. Pricing is where real estate is simple; it's the highest amount a buyer is willing to pay. Of course, knowing the actual number can be difficult, but can be more predictable than stocks.
The best way to begin real estate investing is to turn to profession
"There is no other opportunity to invest in real estate with a concept like Le Bijou." - investor opinions.
Visit the website invest.lebijou.com to explore more investor reviews or schedule a call to get in touch with us directly and have all your questions answered.
Earn a monthly income with Le Bijou
To fuel our further expansion, improve operations and unlock new destinations and properties, we have issued a 7.125% p.a. fixed interest bond with the following highlights:
• 7.125% fixed yearly interest
• Monthly interest payments
• Plannable 5-year investment term
• CHF 25'000 minimum subscription
This type of investment works best for investors focusing on stability and plannable income. Switzerland’s hospitality sector, with the ever-increasing tourist arrivals since 1982, the real estate market unaffected by global turmoil, and top-tier international corporations make a perfect place to preserve and grow wealth – even during the global corona pandemic. We have issued and repaid bonds since 2016 and have always fulfilled our obligations.
Discover more details on the website https://invest.lebijou.com/.
"Le Bijou - the most outstanding hotel experience I’ve ever had in my life.” - Steve Wozniak, Apple Co-Founder, a client of Le Bijou.
Visit the website invest.lebijou.com to explore more clients' reviews or schedule a call to get in touch with us directly and have all your questions answered.
“Life is not measured by the number of breaths we take, but by the moments that take our breath away.” – Maya Angelou.
At Le Bijou, we are dedicated to helping you find something special every day, as well as making the celebrations of your special moments even brighter.
Experience your life to the fullest together with Le Bijou 💫
Le Bijou is a hotel alternative, a serviced living operator, and an award-winning event location.
We turn buildings into autonomously operated cashflow powerhouses. To do so, we have developed an operating model that has been outperforming traditional real estate investments since over a decade. We've rigorously automated processes and use modern tech to eliminate complex operations.
Visit our website and discover how you can unleash the true potential of real estate investing with Le Bijou.
What is real wealth according to you?
The Le Bijou Vision
Le Bijou uses technology to combine the convenience of a 5-star hotel with the space and privacy of an apartment. We only select the most outstanding apartments at the world’s premier locations to offer our guests a very authentic hospitality experience you can’t find anywhere else.
