After having put more thought in it, we intend the following set-up:
- Basis: 3a and taxable accounts (i.e. without pillar 2 which we consider as bond)
- Deduction of a conservative safety cushion of fix TCHF 50 (one half of the current annual expenses)
Target asset allocation for the remaining investment amount:
- 30% cash: Based on current risk tolerance → for better sleep and flexibility (real estate or market opportunity)
- 5% handpicked stocks: for fun, watches (UHRN) and pyjamas (CALN) ;o)
- 65% passive stock ETF (VIAC Global 100; VRL; ishares MSCI EM IMI)
Target regional allocation (excl. 30% cash):
- 25% CH
- 45% US
- 15% EM
- 15% Rest of the world (residual percentage)
Thank you very much for your inputs!