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CHF 10’000 in Bitcoin vor 10 Jahren investiert? 2025 wären das über CHF 12 Millionen.¹
Die gleiche Summe im MSCI World? CHF 27’500.²
Klingt nach einem klaren Sieger, oder? Die Realität ist komplizierter. Denn dieser Vergleich erzählt nur die halbe Wahrheit – und verschweigt die brutalen Abstürze, die Bitcoin-Anleger durchleben mussten.
Seit 2019 führe ich selbst einen Bitcoin-Sparplan parallel zu meinen ETF-Investments in Aktien. In diesem Beitrag vergleiche ich beide Anlageklassen ohne Schönfärberei: Performance, Risiken, Crash-Szenarien – und zeige dir, wie du beide Welten intelligent kombinierst.
Wenn wir die Performance der wichtigsten Anlageklassen der letzten 10 Jahre vergleichen, steht ein klarer Gewinner fest:
| Rang | Anlageklasse | Ø Rendite p.a. | CHF 10'000 → 2025 |
|---|---|---|---|
| 🥇 | Bitcoin | ~137%¹ | CHF 12 Mio+ |
| 🥈 | Nasdaq 100 | ~20%³ | CHF 67'000 |
| 🥉 | S&P 500 | ~14%³ | CHF 38'000 |
| 4 | MSCI World | ~10.6%² | CHF 27'500 |
| 5 | SPI (Schweiz) | ~7.8%⁴ | CHF 21'000 |
| 6 | Gold | ~1.5%⁵ | CHF 11'600 |
Die Fakten sind eindeutig: Bitcoin war in 9 der letzten 10 Jahren die beste Anlageklasse weltweit – mit einer 10-fach höheren Rendite als der zweitplatzierte Nasdaq 100.³
⚠️ Wichtig für Schweizer Anleger: MSCI World und Bitcoin werden in USD gemessen. Der starke Schweizer Franken hat die Renditen für CH-Anleger reduziert. Der SPI zeigt die echte CHF-Rendite ohne Währungsrisiko.⁴
Während Bitcoin die Schlagzeilen dominiert, liefern Aktien-ETFs seit Jahrzehnten verlässliche Renditen:
MSCI World (2015-2025):
SPI Swiss Performance Index:
Bitcoin konnte dich zum Millionär machen – aber nur, wenn du zum richtigen Zeitpunkt eingestiegen bist. Wer 2017 auf dem Höhepunkt der Bitcoin-Blase kaufte, sass zwei Jahre lang auf -80% Verlust. Wer Ende 2021 beim neuen Allzeithoch einstieg, erlebte 2022 einen Absturz von -73%.
Dein Schlüssel zum Erfolg! Entdecke unsere Top-Empfehlungen aus echten Erfahrungsberichten.
Bevor du jetzt euphorisch dein ganzes Geld in Bitcoin steckst, schauen wir uns die Realität an:
| Zeitraum | Auslöser | Verlust | Erholung |
|---|---|---|---|
| 2017-2018 | Bubble platzt | -83% | ~2 Jahre |
| 2020 | Corona-Crash | -50% | 9 Monate |
| 2021-2022 | FTX-Kollaps, Fed-Zinsen | -73% | ~1 Jahr |
Aus CHF 100’000 wurden im schlimmsten Fall (2018) nur noch CHF 17’000. Viele Anleger verkauften panisch am Tiefpunkt und realisierten massive Verluste. Wer durchhielt, wurde belohnt – aber das erfordert eiserne Nerven und einen langen Atem.
Die Daten zeigen ein faszinierendes Muster: Je länger du deine Anlage hältst, desto sicherer wird sie. Aber Bitcoin und Aktien unterscheiden sich dramatisch in der Geschwindigkeit, mit der das Verlustrisiko historisch sank.
Nach nur einem Jahr liegt das Verlustrisiko bei beiden Anlagen ähnlich hoch – etwa jeder vierte Anleger macht Minus. Doch dann trennen sich die Wege: Bitcoin-Anleger, die mindestens 4 Jahre durchhalten, haben historisch gesehen kein Verlustrisiko mehr. Bei Aktien-ETFs dauert es mit etwa 15 Jahren fast viermal so lange.⁷
Was heisst das konkret? Wer 2015 Bitcoin kaufte und bis 2019 hielt, war garantiert im Plus – egal wann genau er einstieg. Bei Aktien müsstest du von 2010 bis 2025 durchhalten für die gleiche Sicherheit.
⚠️ Achtung: Diese Daten basieren auf der Vergangenheit (Bitcoin seit 2009, Aktien über 100 Jahre). Es gibt keine Garantie, dass sich die Zukunft gleich entwickelt! Bitcoin ist noch jung – und die Daten werden sich mit der Zeit ändern.
Bitcoin: Tägliche Schwankungen von ±10-20% sind völlig normal. Crashes von -30% innerhalb weniger Tage kommen mehrmals pro Zyklus vor.
MSCI World: Mit rund 15% Jahresvolatilität deutlich ruhiger. Im schlimmsten Fall -30% über 6-12 Monate, Erholung meist in 1-2 Jahren.
Meine persönliche Erfahrung: Im Crash 2022 sah ich mein Bitcoin-Portfolio um 65% fallen. Ich hielt durch – 2025 bin ich wieder deutlich im Plus. Aber das kostet Nerven. Du musst ehrlich mit dir sein: Kannst du das aushalten?
«Intelligent ist, wer aus den Fehlern anderer lernt».
Aus all unseren Tests und Erfahrungsberichten haben wir dir unsere Top-Auswahl zusammengestellt:
Nach all den Zahlen die Frage: Bitcoin oder Aktien – wer ist besser?
Die Antwort: Beide. Und keiner.
✅ Langfristig höchste Rendite aller Anlageklassen (historisch)
✅ Schnellere Erholung: Nach 4 Jahren kein Verlust mehr (vs. 15 Jahre bei Aktien)
✅ Diversifikation: Läuft oft anders als Aktienmärkte (aber immer ähnlicher)
✅ Begrenzte Menge: Nur 21 Millionen Bitcoin – echter Inflationsschutz (theoretisch)
✅ Stabilität: Deutlich geringere Schwankungen als Bitcoin
✅ Bewährt: Über 100 Jahre historische Daten, verlässliche 7-10% Rendite
✅ Psychologisch einfacher: Weniger Stress, weniger Panikverkäufe
✅ Realwirtschaft: Investition in echte Unternehmen mit Umsätzen und Gewinnen
✅ Dividenden: Passives Einkommen bei ausschüttenden ETFs
Es ist kein Entweder-Oder. Bitcoin und ETFs haben unterschiedliche Stärken. Bitcoin ist ein Renditebooster für risikobereite Anleger (5-20% des Portfolios). ETFs sind das Fundament für jeden Anleger (80-95% des Portfolios).
Die Lösung? Eine Kombination aus beiden: Die Core-Satellite-Strategie.
Statt dich zwischen Bitcoin und Aktien entscheiden zu müssen, kombinierst du beide intelligent:
So funktioniert’s
Der grosse Vorteil: Selbst wenn Bitcoin -80% abstürzt, verliert dein Gesamtportfolio nur -8 bis -16%. Das ist psychologisch viel leichter zu ertragen als ein reines Bitcoin-Portfolio.
Schauen wir uns an, wie sich verschiedene Mischungen historisch entwickelt hätten (2015-2025):⁸
| Portfolio-Mix | Ø Rendite p.a. | Aus CHF 100'000 wurden: |
|---|---|---|
| 100% MSCI World | 10.6% | CHF 275'000 |
| 90% MSCI + 10% BTC | ~16-18% | CHF 480'000 |
| 100% Bitcoin | 137%+ | CHF 12 Mio+ (bei perfektem Timing) |
⚠️ Wichtig: 10% Bitcoin sind bereits eine offensive Allokation. Für konservativere Anleger sind 5% (oder weniger) der bessere Einstieg. Teste deine Risikobereitschaft ehrlich: Kannst du nachts ruhig schlafen, wenn dein Bitcoin-Anteil -70% verliert?
💡 Hinweis: Diese Zahlen basieren auf historischen Daten und sind stark vom Einstiegszeitpunkt abhängig. Bei einem Einstieg 2017 oder 2021 sähen die Ergebnisse deutlich schlechter aus!
Ich halte etwa 80% meines Portfolios in ETFs und 20% in Satelliten (Bitcoin, Gold und aus alten Zeiten auch noch ein paar Einzelaktien).
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"Bitcoin vs. Aktien-ETF – Was ist das bessere Investment? 19")
Du möchtest mehr über die besten ETF-Anbieter für die Schweiz erfahren? Schau dir meinen Online-Broker Vergleich Schweiz an.
Die Theorie kennst du jetzt. Aber wie startest du konkret?
Der grösste Fehler? Panisch während eines Crashs verkaufen. Genau dann, wenn du langfristig denken solltest. Lass den Sparplan automatisch laufen, check nicht täglich die Charts, und überprüf dein Portfolio einmal jährlich – denke an das Rebalancing.
«Intelligent ist, wer aus den Fehlern anderer lernt».
Aus all unseren Tests und Erfahrungsberichten haben wir dir unsere Top-Auswahl zusammengestellt:
Nach all den Zahlen, Tabellen und Szenarien die finale Frage: Welche Strategie passt zu dir?
NUR ETFs sind richtig für dich, wenn du neu im Investieren bist und nicht mit Schwankungen von -50% umgehen kannst. Du stellst Stabilität über maximale Rendite und möchtest nachts ruhig schlafen. Das ist völlig in Ordnung – besser konservativ anfangen, als gar nicht anzufangen.
Core-Satellite (ETFs + Bitcoin) passt zu dir, wenn du bereits ein ETF-Portfolio hast oder aufbaust und langfristig denkst (mindestens +10 Jahre). Du kannst Schwankungen psychologisch aushalten und bist bereit, 5-10% deines Portfolios in Bitcoin zu investieren. Du suchst nach Überrendite, ohne alles auf eine Karte zu setzen.
Bitcoin ist weder Heilsbringer noch Teufelszeug. Es ist eine hochvolatile Anlageklasse mit enormem Renditepotenzial – und ebenso massivem Risiko.
Die Core-Satellite-Strategie verbindet das Beste aus beiden Welten: Aktien-ETFs als Fundament für Stabilität und ruhigen Schlaf, Bitcoin als Renditebooster für zusätzliche Chancen. Für mich persönlich ist die 80/20-Aufteilung der Sweet Spot. Du musst deine eigene Balance finden – aber eines ist sicher: Ohne ETFs im Portfolio machst du etwas falsch.
Egal ob du dich für 100% ETFs oder für die Core-Satellite-Strategie entscheidest: Der erste Schritt ist, überhaupt anzufangen. Einen ETF-Sparplan aufzusetzen dauert 20 Minuten. Einen Bitcoin-Sparplan bei Relai einzurichten auch.
Was hält dich noch auf?
Transparenz: Dieser Beitrag entstand in bezahlter Zusammenarbeit mit Relai. Ich nutze Relai seit Jahren selbst für meinen Bitcoin-Sparplan und empfehle nur Produkte und Dienstleistungen, von denen ich persönlich überzeugt bin. Meine Analysen, Vergleiche und Meinungen bleiben davon vollständig unabhängig.
Wichtiger Hinweis: Dies ist keine Anlageberatung. Investiere nur Geld, das du bereit bist zu verlieren. Kryptowährungen sind hochriskant und für langfristige Anleger mit starken Nerven geeignet.
Nein. Bitcoin ist deutlich volatiler mit möglichen Abstürzen von -80%, während Aktien-ETFs maximal -30 bis -50% fallen (historisch). Dafür ist die Erholung bei Bitcoin schneller: Nach 4 Jahren war historisch kein Verlust mehr möglich, bei Aktien dauerte es etwa 15 Jahre.⁷
Maximal 5-20% deines Gesamtportfolios, abhängig von deiner Risikotoleranz. Meine Einschätzung (keine Anlageberatung): 10% für ausgewogene Anleger, 5% für konservative Anleger, bis zu 20% für sehr risikobereite Anleger.
Ja, absolut! Ein Sparplan mit CHF 200 pro Monat ist ideal für den Cost-Average-Effekt. Bei Relai kannst du sogar schon ab CHF 50 pro Monat starten. Kleine Beträge summieren sich über die Jahre.
Ich empfehle eine Hardware-Wallet ab einem Bitcoin-Wert von CHF 5’000. Für kleinere Beträge reicht die Relai-App. Ich selbst transferiere quartalsweise von Relai auf meine Hard-Wallet – so kombiniere ich Bequemlichkeit mit Sicherheit.
Genau dafür ist die Core-Satellite-Strategie da. Mit 90% in ETFs bist du selbst bei einem Bitcoin-Totalverlust nur 10% im Minus. Deshalb gilt: Investiere nie mehr als 20% deines Portfolios in Bitcoin!
¹ Bitcoin Historical Data: Portfoliomix.de, CoinTelegraph, Bankrate.com (Bitcoin-Performance 2015-2025)
² MSCI World Performance: MSCI Inc., Investingintheweb.com, Yahoo Finance (10-Jahres-Performance in USD und CHF)
³ Nasdaq 100, S&P 500 Performance: Bloomberg, Charlie Bilello via Messari Research, Börse Online
⁴ SPI Swiss Performance Index: SIX Swiss Exchange, Seat11a.com, PPCmetrics, Pictet Wealth Management
⁵ Gold Performance: World Gold Council, Gold.de, Bitpanda Blog
⁶ Bitcoin Crash History: Bankrate.com, Wikipedia (Cryptocurrency Bubble), Webopedia, Yahoo Finance
⁷ Verlustwahrscheinlichkeit nach Haltedauer: LazyPortfolioETF Bitcoin Rolling Returns (2009-2025), Curvo.eu MSCI World Historical Performance, Dimensional S&P 500 Long-term Rolling Returns. Bitcoin zeigt 26% Verlustrisiko bei 1 Jahr, 14% bei 3 Jahren, 0% ab 4 Jahren. MSCI World: 30% bei 1 Jahr, 15% bei 3 Jahren, 0% ab 15 Jahren.
⁸ Portfolio-Szenarien: Eigene Berechnungen basierend auf historischen Daten von MSCI, Bitcoin-Kursdaten, Yahoo Finance
Disclaimer: Alle Angaben ohne Gewähr. Die historische Performance ist keine Garantie für zukünftige Ergebnisse. Dieser Artikel stellt keine Anlageberatung dar. Bitte konsultiere bei Bedarf einen unabhängigen Finanzberater.
Eric ist Gründer von Schwiizerfranke.com und zertifizierter IAF-Vermögensberater. Seit 2019 hilft er Schweizerinnen und Schweizern, ihre Finanzen verständlich, unabhängig und effizient zu regeln.
📌 Hinweis: Dieser Artikel dient der Information und stellt keine individuelle Anlageberatung dar.
Hallo Eric,
ein schöner Artikel mit sinnvollen Empfehlungen!
Einziger Kritikpunkt: Die durchschnittlich 127% Rendite pro Jahr sind ein wenig irreführend.
Wie man an deinem Chart «Bitcoin vs. MSCI World» erahnen kann, ist Bitcoin anfangs schneller gestiegen und wird über die Jahre immer langsamer.
(Siehe auch «Bitcoin Power Law».)
Ein heutiger Neueinsteiger bekommt also deutlich weniger als durchschnittlich 127% pro Jahr. Und es wird mit jedem weiteren Jahr weiter abnehmen.
Gruß Walter
Danke für die Ergänzung, Walter. Richtig, aus der Vergangenheit lässt sich die Zukunft nie ableiten – ich hoffe, das ging aus dem Artikel hervor.
(Die aktuellsten Tage am Kryptomarkt zeigen das sehr gut).