Advice on new portfolio for better diversification

[Dr.PI]

I am in general very skeptical about bonds, especially now. For me, CHF cash and mid-term notes of Swiss banks are the best bonds.

You might profit from the recent interest rate decreases and sell your bond funds hopefully with a profit.

SPHQ vs JQUA vs?

Hello and welcome! Exactly. If you see yourself as a current and future resident of Switzerland, start thinking about your finances in CHF. Short term borrowing rates in CHF are zero, 2 and 3 years interest rate swaps are slightly negative, so no matter how you slice and dice bonds, the return in CHF after fees and taxes is going to be negative.