Hello fellow mustachians!
I am a 23 year old engineering student and have only recently started my first investment strategy after saving my money in a savings account for years. I want to secure my wealth over the long run and save for my retirement (time horizon 40 years+).
The following is my current strategy:
- Always deposit the maximum amount of 6’883 CHF in VIAC at the beginning of the year with the following individual strategy:
- 40% CSIF World ex CH - Pension Fund Plus
- 35% CSIF World ex CH hedged - Pension Fund Plus
- 20% CSIF Emerging Markets
- 1% CSIF SMI
- 1% CSIF SPI Extra
- 3% Cash
- Pay in a certain savings rate (approx. CHF 2000-3000) monthly via IBKR into the following strategy:
- 80% VT
- 20% VWO
- Invest in BTC, ETH or other stocks for “fun”, but only in the single-digit percentage range (3-5%).
In general, I would like to have a globally diversified strategy that weights developed and emerging markets in a weighting of approximately 72/28 (according to GDP weighting and optimal Sharpe Ratio). You may know this weighting from the “Finanzfluss” channel on YouTube. Since VIAC allows me to save a maximum of 20% in emerging markets, I will probably open an additional 3a pillar with Finpension in January in order to get closer to the 72/28 ratio.
Now my question to you experienced passive investors: Does my strategy make sense? Do you have any further tips or suggestions for improvement?
I look forward to hearing from you all and becoming part of the community!