Thank you for the feedback. How would you allocate the international 60%?
I’m sceptic about the development of the international economies besides the US, please feel free to correct me
Thank you for the feedback. How would you allocate the international 60%?
I’m sceptic about the development of the international economies besides the US, please feel free to correct me
There’s something i think i got wrong (or i didn’t get at all…). AFAIK the money that’s insured up to 100’000 CHF is just the one you put in the 3a account in the WIR Bank, so that doesn’t apply to the sum invested in the funds. Is that part in some way also insured or protected?
Well looking at the last 10 years, it clearly favors the US stocks, but nobody knows what the future will hold. I personally have gone for an allocation roughly like this:
swiss
35% SPI Extra
2% SMI
3% cash
international
35% World exCH
15% Small Cap World exCH
10% EM
You can drop emerging markets for US if you want.
Only cash is insured up to 100k that is correct.
The actual shares themselves under swiss law are segregated and held in your name. (in the case of VIAC they are held at Credit Suisse)
In case the broker goes bust, technically you should get access to your shares so no insurance is necessary. see here for the source: https://www.esisuisse.ch/
Hey Joey
Thank you for sharing your portfolio, this one is very well done! I’m either going to do yours or this:
Swiss
35% SPI Extra
2% SMI
3% cash
International
35% S&P500
20% World ex CH Small Cap
5% Emerging Markets
The total fee is 0.50% + 0.05% product costs.
Hi there
Have been reading the mustachian post for the last few weeks. Stumbled on it when looking for information on the 3a pillar. I am really interested in Viac and would be very grateful if somebody could give me a referral code.
That would be great.
Keep on with the super posts, it’s all really interesting for me as a newbie.
Hi mbaluda
Thank you very much. Going to do it straight away!
Have a lovely sunday.
Hello Mustachians,
I just discovered this forum today and have read through this thread and some others tonight. I planned to start a third pillar this year and have just created an account with VIAC. I too was hoping that someone could provide a referral code?
Either way, I enjoyed your posts and look forward to reading more.
Hi. I have just sent you one.
Hello community, I am about to create a new account at VIAC, does anyone have a referral code to share with me by chance?
Thank you very much in advance.
Hi. I have just sent you one.
hello,
For those who need a referral code please find below :
Ku3rea
M50Agp
NQzU8y
if they are already used, do not hesistate to check : https://forum.mustachianpost.com/t/viac-third-pillar-referrals
Quick question: Are there any downsides to opening 5 accounts with VIAC right away? I currently don’t have any pillar 3 account.
There are two things I could think of:
Or put differently: Why would anyone NOT want to have 5 accounts and have the added flexibility?
Hi magic_unicorn, the VIAC FAQ states " Are there any fees for deposits or withdrawals? = No. Deposits and withdrawals are free of charge." Where did u read about a Fr 300 fee at VIAC? Greetz.
Sorry I misread. The 300.- are only for early withdrawal. But still…
source: https://viac.ch/en/faq-all/are-there-any-costs-involved-in-closing-or-in-the-case-of-early-withdrawal/
Hello everyone, I am also about to create a new account at VIAC for me and wife, does anyone have a referral code to share with me ?
Thank a lot!
(post edited)
Please use other people codes, my 3 codes were already used.