Luxembourg and Ireland do not have Withholding tax with CH. The funds get hit only on the dividend before paying them out. So in total is 15% for IE domiciled and I’m not sure on the total for LU to be honest (but between 15% and 30% on the dividend part only). This is lower to all other countries where you have withholding tax also on the fund itself, except for the US where you can reduce the withholding down to 15% with W8-BEN and you can file a DA-1 to have this remaining tax accounted for when your income tax is calculated. I will look up my other resources on this to share but one is a great post on this forum by @nugget , here.
Yes, you are probably right. I guess inconspicuously is also to have the flexibility to increase/adjust my exposure in any of the areas overtime, but as you said it may not be worth the hassle. so probably an allocation like this would give me equal exposure but easier management?
- Total World, VT, 75%
- Real Estate, IPRP, 5%
- Tech/NASDAQ, QQQ, 5%
- World High Dividend Yield, USDV, 10%
- Social Responsibility, UIMR, 5%