Long Term Investment

[wagih]

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Hi There!

How are you doing?

I’m happy that I have been referred here and found your blog. I was asking ChatGPT about some usual pages, and they recommended you, by the way.

I would like to know your thoughts about your portfolio. Why did you choose:

• 85% VT
• 15% CHSPI

Do you mind sharing how long you have held them and what interest you have received per year so far?

I’m willing to invest around 30k, and I’m just confused about making the right choice.

Low-cost index funds are an excellent option for the long term. So far, I’m watching the following ETFs:

• Vanguard VOO
• VTI
• IVV
• Schwab S&P 500 Index Fund (SWPPX)
• iShares MSCI USA Min Vol Factor ETF (USMV)
• Invesco S&P 500 Low Volatility ETF (SPLV)
• SPDR Gold Shares (GLD)
• iShares Gold Trust (IAU)
• iShares 20+ Year Treasury Bond ETF (TLT)

Regarding Switzerland, I'm not sure yet, but I opened an account with Swissquote for easy investing. I just chose the risk strategy and set a monthly investment of 500. Do you think that’s a good option? I saw their investment example of CHF 100.00, and it includes the following stocks:

• iShares Core SPI ETF CH 20.74
• UBS ETF CH - SBI AAA-BBB ESG 18.03
• SPDR Portfolio S&P 500 ETF 12.06
• iShares Core MSCI International 11.05
• UBS ETF CH - SXI Real Estate Fund 10.59
• iShares Core Global Aggregate 7.44
• Vanguard FTSE Emerging Markets 4.81
• Amundi Euro Government Inflation 3.95
• Invesco Bloomberg Commodity UC 2.66
• iShares Gold Trust Micro 2.56

Also, regarding the 3rd pillar: since I’m not a Swiss citizen yet, I’m unsure if this is a good option for us. Would you still recommend it for C permit holders? I know that I can withdraw the money only when I buy a house or retire at the official age. If I decide to buy a house one day, does this law also apply to buying a house abroad?

Let me know your thoughts and what you would do if you were me.

Kind Regards,
Wagih

 

[Baptiste Wicht]

Hi,

I have been holding VT since 2018, but I have done multiple variations over the years to reach my current point:

Our Portfolio - The Poor Swiss

Find out exactly my investing portfolio. It is made of several Exchange Traded Funds (ETFs). Also find out how my portfolio changed over time.

thepoorswiss.com

We have also sold some shares for our house. So, I can't say exactly how much we got for each ETF.

I think the portfolio suggested by Swissquote is way too complicated. It must be simplified with much fewer ETFs. Such a portfolio will result in way too high tradiing fees, too much rebalancing and very little signifiance from the small positions.

As for 3a, it's only interesting if you do a tax declaration. If you don't, it's worse than a broker account.