Goodbye 'No Money, No Clue', Hello FI!

Hey Mia,
great post, and congrats for being “ready for more”! I hope you financial plans will come true soon :slight_smile:

VWRL@CornerTrader is definately one of the best foundations for any long-term investments based in Switzerland. The difference to some (presumably optimal) VT@IB solution is almost negligible, compared to what un-smart investments are offered on the market. however for example I am determined to go after the last detail in this issue and once I am done with it I will post it in the forum :wink: this post gives you a hint but is already outdated.

If you want to put 20% into a local swiss fund, there is mainly only a bunch of options (at least if you require passive low-cost funds): get started with the swiss indices overview . In case there are any other (ETF-) availale indices, plz let me know :wink:

Bonds are a traditional part of a Boglehead’s lazy portfolio, with the main purpose of adding a “safe haven” to your portfolio that would not drop as far as stocks during a crisis (=have a ‘low’ correlation to stocks) and hence provide opportunity for rebalancing during/ after a stock market correction. But since “safe haven bond” returns tend to be negative for a while now, people reconsider their bond allocation, and tend to leave it just as cash. I, for example, am comitted to a 100% stock allocation. I don’t have to deal with this bond issue, but my personal situation is entirely different from yours (no family, no need of the money, no kids,…)

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