I am reviewing my portfolio and I would like to make some changes but I need some help to choose the best step forward.
Currently I have invested 117k and they are split in:
- VWRL (26%)
- Multiple SICAV (11%)
- Company stocks (7%)
- ARKK (5%)
- Finpension Equity 100 (11%)
- 2nd Pillar (40%)
When I was working in Italy I bought some SICAVs and they have been performing quite well (+39% in three years). The funds are in EUR so I would retain them and use eventually EUR when I am going to help my parents with the downpayment for their new house.
In my company we have scheme where you can make monthly purchases of company stocks. If you keep them for at least 30 months, the company gives you a 30% match on the number of shares you hold.
I am contributing 250 CHF each month, nothing crazy, the stock price has struggled in the past two years so I am going to gain something but nothing huge. Also whenever I will decide to sell the company match stocks I am going to have to pay income taxes on them, while no capital gain taxes are going to be applied to the shares I bought during the accumulation period.
As I said in the introduction post, my company has a pretty generous second pillar scheme. This means that with my current salary I can expect them to contribute around 16/17k to the 2nd pillar for 2021.
Because of this my bond exposure is pretty high (43%) and I would like to be completely invested in stocks.
I started only investing in 2020 on IB with something very simple just VWRL. I then added SMMCHA at the bottom of the coronavirus dip and sold it in January (+31%) and bought ARKK (I wish I knew about this fund before).
In January I have invested 5k on ARKK but now I need to figure out what to do for the rest of the year.
I am planning to invest 2k on IB each month plus at least half of my bonus in March.
I would like to keep it relatively simple and these are the funds I am considering to add:
- iShares Edge MSCI World Quality Factor UCITS ETF
The objective is to focus more on value/quality and maybe add some exposure to small/mid cap which is currently missing in my portfolio.
What I am struggling to figure out is the Target Asset Allocation and maybe if I am overlooking something in my strategy.
Maybe some more Emerging Markets? I have them in one of my SICAV but I know I am going to cash out those by the end of the year so I need to think about that.
Do you have any suggestions or advice?
Thank you so much in advance!