Updated my asset allocation after a few years

[Detuned]

Hi everyone,

after a few years I’ve decided to update my asset allocation on both IBKR and Finpension, and I wanted to share it here. Feel free to share your own or give feedback.

Before:

IBKR:

• 90% VT
• 10% CHSPI

Finpension (3a):

• Swisscanto (CH) IPF I Index Equity Fund World ex CH NT CHF – 75%
• Swisscanto (CH) Index Equity Fund Switzerland Total (II) NMT CHF – 10%
• Swisscanto (CH) Index Equity Fund Emerging Markets NMT CHF – 8%
• Swisscanto (CH) IPF I Index Equity Fund Small Cap World ex CH NT CHF – 6%
• Cash – 1%

Now:

IBKR:

• 100% VT

Finpension (3a):

• Swisscanto (CH) IPF I Index Equity Fund World ex CH NT CHF – 84%
• Swisscanto (CH) Index Equity Fund Emerging Markets NMT CHF – 10%
• Swisscanto (CH) Index Equity Fund Switzerland Total (II) NMT CHF – 5%
• Cash – 1%

I removed Small Caps and CHSPI to simplify my allocation.

IBKR is now 100% VT.
Finpension keeps a small 5% Swiss tilt, otherwise global equity.

Goal is a simple, long-term setup.

Curious how others structure their IBKR and 3a allocation.

 

[Baptiste Wicht]

Could you share your rationale for removing from home bias?

Your portfolio is good, many people are using the same.
I am not convinced the 5% Swiss stocks in the 3a make any difference unless your 3a is a large portion of your total wealth.