Your Asset Allocation?

  • Location: Switzerland
  • Age: 35
  • 100% Stocks
    • Aggressive because young and with a good financial situation
  • 80% VT, 20% CHSPI
    • 20% home bias
    • 80% fully diversified
  • Rebalancing: Only with new investments
 
Last edited:
Location: Switzerland
Age: 39
Allocation: Stocks
20% CH (CHSPI), 80% World (80% VT, 10% VOO, 10% VTI).​
Have not done any rebalancing yet.

However, not considering 2nd/3rd Pillars into account since this would be a bit more complicated. Are you guys taking them into account in your allocations/distributions? If so, I would like to hear how you consider them (bonds, stock, etc.).
 
Last edited:
However, not considering 2nd/3rd Pillar into account since this would be a bit more complicated. Are you guys taking them into account in your allocations/distributions? If so, I would like to heard how you consider them (bonds, stock, etc.).

Good point; in my answer, I only considered my portfolio of stocks at IB. I consider the second pillar as bond since it's quite conservative. And my 3a is 99% stocks since it's at Finpension 3a. I try to keep my overall allocation of safe assets to 10% overall.
 
Location: Switzerland
Age: 35
Allocation: 90% Stocks, 10% cash
Allocation: ~50% Alphabet, 20% Other, 30% ETFs
No rebalancing strategy

Does not include 2nd/3rd pillar.
 
Good point; in my answer, I only considered my portfolio of stocks at IB. I consider the second pillar as bond since it's quite conservative. And my 3a is 99% stocks since it's at Finpension 3a. I try to keep my overall allocation of safe assets to 10% overall.
Same for me, though I still need to update my reports to get a better/clear view per region and type (e.g. Bond, vs Stock, cash, etc.). I will update my answer at some point to include that information.
 
I'm missing the main purpose of sharing allocation, the why. Insides, thoughts and advices are more useful in order to build a better portfolios.
The why is very interesting indeed and can be shared here or in an specific thread.

For me, I like to compare my diy portfolio with others and check tickers if I don‘t know them. Naturally every portfolio is very specific to the investor and her riskappetite. For example I can‘t make much sense of your high exposure to crypto. So maybe I‘m missing somthing, so please elaborate if you want to share.

My allocation is based on a number of finance papers. No bonds, as I‘m looking for max. returns and believe I can handle the volatility. Max. diversification as it‘s the only free lunch and 20% to independent sources of risk i.e. factors (for more divers. and if I‘m lucky higher returns). No home country bias, although about 35% hedged to chf.
 
Location: Switzerland, Age: 42
Allocations: 99% Stocks -- 80% US market -- 75% IT sector, some SPY, I should rebalance into Vanguard S&P 500 ETF a bit.
(I am biased, IT is the only sector I know, voting by heart, so to say)
Handpicking with IB aggressively: 90% IT, 100% --> 260% in a year, but I have started December 2022 with IB (markets were just recovering).

PS. Yes, NVDA was my big bet a year ago. I made my lesson learnt 5 years ago while existing AAPL, freaking out at 3-5% going down. My 50K would turn into 200K :) I wish I read some "Psychology of Money" book or so back then.
 
Last edited:
Back
Top