Head over to the thread started by nugget (see snippet below for the conclusion). I personally think it’s well worth to invest in 3a due to the tax reduction aspect (free money).
Good point. I wouldn’t call you crazy if you would decide to increase the allocation towards the SPI Extra, given the fact that this will become a small proportion of your overall stash over time anyhow. However, keep in mind that there is no way of knowing if small caps will outperform large caps in the future. I personally prefer to follow the market capitalisation ratios for deciding upon the asset allocation percentages in the spirit of Vanguard’s approach for the VT.
That’s correct. I was turned off by the 0.09% extra product cost. However, if you are willing to take on the extra cost, the allocation would probably be somewhere around 12% Emerging Markets and 88% World. Multiplied with the 60% this would give you:
USD:
7% Emerging Markets
53% World ex CH