3a solution from Finpension

[Dr.PI]

@johndoe1

Why shouldn’t you hold US stocks at ginpension?

Because you are going to do better holding there the rest of the world.

Splitting the world

It should be clear from the posts above that, when building a globally diversified stocks portfolio using 3a and taxable accounts, it is advantageous to hold US stocks as US ETFs at Interactive Brokers and Developed Markets ex US as CSIF funds in 3a account (finpension). The question now is: how advantageous it is and if it is worth extra efforts? I will use parameters which are pessimistic for 3a investment (marked red), so an actual advantage should be higher. Note that I refer to MSCI classi…