Equity exposure (across the Portfolio)

[PhilMongoose]

You’ve seen my allocation here:

Fire and forget pension fund allocation

So I was looking ahead to figuring out how I would set up my pension fund allocation after I quit my job and put the Pillar 2 into a VB account. I plan to split the pension fund between VIAC and Finpension to not have all my eggs in one basket. Looking at VIAC first, I drafted up this: [image] I noticed most Swisscanto funds had zero TER compared to UBS/CSIF. Does this mean that it is a no-brainer to go with the Swisscanto equivalent fund? Or are there fees hidden elsewhere or other quality i…

• 70% stocks, 30% other (15% bonds, 5% gold, 5% commodities, 5% RE)

But this is for the pension portfolio. On top of that, I had my own home - which I feel to be an important asset to own. Adding in RE equity, I get to:

• 56% stocks, 24% (bonds, commodities, RE funds), 20% Real estate.

I find this to be a reasonable allocation. Maybe even increasing bonds a bit more relative to stocks for a 50/30/20 split.

I think 80% stock allocation is too volatile for the average person to hold unless it is locked away in a pension fund where they don’t see the volatility and can’t panic sell out of it.