Etf for an 18 years old

[Haroldsun]

Hello,

I recently turned 18 and I want to invest my money into some single stocks and ETF.
I've read about the Swiss Investing Etf blog. Here's my take

I did some research and came up with this:

Vanguard All world Etf (VWCE) - 80%

UBS Core SPI Etf acc (SPIA) - 20%

*correction for the blog. The TER for the VWCE is going from 0.19% to 0.14% on 28.7.26

What do you guys think or what do you think Baptiste about this portfolio for 40+ years investment?

 

[Baptiste Wicht]

Congratulations for wanting to invest at 18 already!

Overall, it looks like a very solid portfolio!

A few questions:
* Are you doing accumulation on purpose?
* Which broker are you going to use? Depending on your broker, you might use US ETFs for the world ETF.

*correction for the blog. The TER for the VWCE is going from 0.19% to 0.14% on 28.7.26

Nice

 

[Haroldsun]

Congratulations for wanting to invest at 18 already!

Overall, it looks like a very solid portfolio!

A few questions:
* Are you doing accumulation on purpose?
* Which broker are you going to use? Depending on your broker, you might use US ETFs for the world ETF.


Nice

Hello Baptiste,

I am using IBKR for Investing. I am accumalting because, I think it would be easier. In my opinion, if the reinvestment is automated its great. In addition, I don't really need the profits from the VWCE, since my goal is, to invest until my retire age of 65.

 

[Baptiste Wicht]

Makes sense!

I am using IBKR for Investing.

In this case, you have access to US ETFs, which can be slightly more efficient.

But I guess you are not using them since you want accumulating ETFs, and US ETFs are all distributing.

 

[gaijin]

I have set my IBKR to automatically reinvest all dividend payments. Works perfectly for US ETFs, unfortunately not for Swiss ETFs.

 

[Haroldsun]

Makes sense!


In this case, you have access to US ETFs, which can be slightly more efficient.

But I guess you are not using them since you want accumulating ETFs, and US ETFs are all distributing.

Oh okay, mind me asking, why is it more efficient, investing in US Etfs instead of Eu etfs?

I mean it doesn‘t really matter if it is accumulating or distributing, but I didn‘t choose the Vanguard All world distributing, because I thought I‘ll be more stressful to invest all dividend payments haha. Since Gaijin mentionned you could reinvest all payments, that‘s cool.

But why is the VWCE not efficient?

 

[Haroldsun]

I have set my IBKR to automatically reinvest all dividend payments. Works perfectly for US ETFs, unfortunately not for Swiss ETFs.

Thanks for letting me know, thats quite helpful!