Hi mustachians. just a short question.
If you invest in the global 100 with 97% equity, then you need to invest and hold it for the long term and make regular payments. What is your strategy then for the ones among you who are thinking to also buy property in Switzerland?
It would not make sense to use this ETF as a guarantee no?
if you plan to use your 3a for real estate in let’s say 10 years, a 100% stock strategy is probably not what you should have. if the crash happens before the purchase, goodbye house 
you could buy 100 % stocks today and reduce it 5-10% every year, for example
Basically, the bank will generally consider your pillar 3a for 50% of its value if invested in stocks. Pledging is a good way to let your money works for the long term, as you are not cashing it out, but the minimum financing requirements are a bit harder to comply with since they won’t consider the the whole value of your portfolio.
Personally, I consider pledging as the most efficient way to finance my future house, you get the house and your money is still working for you simultaneously. 
This is actually a good point. in the case of an equity 100% 3a pillar, does it really make sense to spread it evenly? Ok you save tax but you may lose some compounding effect (unless you spread it only 100% equity 3a pillars).
@nugget and @joey: i can see that you are putting in place your own strategy. Are you then also purchasing positions in your other portfolio for the rebalancing? What did you use for SPI extra?
no, not as of now. im lazy^^
No I wont be changing my other portfolio. I treat the SPI Extra in my viac portfolio as my swiss allocation. If I would start maxing out 3a contributions, VIAC will be 15-20% of my net worth when I retire. 40% swiss exposure out of that 15-20% is what I am comfortable with
Have you created multiple 3a accounts? Or you plan to put the 6768 CHF equity on one account? For the mustachians who opened multiple account at VIAC for future tax optimization, do you keep the portfolio split constant?
if you intend to make use of the 6768CHF in the coming years, then just open 5 account (takes you 2 additional minutes max!) straight away, set up 5 monthly payments of 1/5th each and thus be tax-optimized and flexible for using some of the accounts for real estate purchases. absolutely no reason to not do it.
=> you probably want to have roughly equal amounts in each account at withdrawl
what is the reasoning behind swiss real estate?
Edit:
did you copy paste the strategy above?
no hard reasoning. i could mention diversification.
the main point of the portfolio is 30% world, 20% world small, 10% EM and rest swiss, i.e. an approximation of the world portfolio within the regulatory boundaries
it’s close to what i had with VZ before, otherwise, no.
A bit confused. You used a different split in the other ones or you just have one pillar 3a? Even if you dont plan to use the 6768 CHF in the coming years it would make sense to have several ones no (tax reason) no?
Just would like to use your view. I am thinking to use a similar approach such as @glina on the DeGiro account hence:
->70% VWRL Allworld
→ 20% Small cap
→ 10% Gold
In my opinion if I want to be somewhat consistent, I would chose for the 3a
→ 35% SMIM + 2% SMI
->30% AW
->20% Small cap
→ 10% Gold
→ 3% cash
→ Rest in equity somewhere else
Would that make any sense?
im also fully confused by your questions, maybe start from the very beginning and make references explicit^^
I have two accounts with VZ with tiny amounts in there, and both are moving to VIAC
from tax reasons it always makes sense to split up in 5 (the max). there is a tax plot in my 3a tutorial visualizing this. You can not however split existing accounts. so just make 5 from the start.
that is a fully legit well diversified portfolio. you can argue about the golld position in a long term portfolio, unless you want to do something with the funds “soon”.
not really unless maybe you indend to retire in switzerland. withdrawals within same year are taxed together so if you withdraw when moving abroad this doesn’t help you save any money. withdrawing early also won’t work to save you anything - you can only withdraw once every five years
Can’t you withdraw every time you buy a property or pay back a mortgage on a property?
Gold is expensive within the VIAC 3a solution IMO. More expensive than in a metal acct at a bank or via a Gold ETF by itself. And no tax savings advantage on dividend earnings, since no dividends. I wud mix my gold into the portfolio outside of 3a.
only once every five years no matter how many accounts you have
no
it needs to be really well chosen then so that you won’t just have to pay income taxes in your new country on the whole withdrawal
good point, didnt consider that! makes sense imho
Thats exactly what I will do @maillekeule 