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

**URL:** https://forum.mustachianpost.com/t/goodbye-no-money-no-clue-hello-fi/337
**Category:** Share your story
**Created:** [June 12, 2017, 1:28pm UTC](https://forum.mustachianpost.com/t/goodbye-no-money-no-clue-hello-fi/337 "2017-06-12T13:28:25Z")
**Posts on this page:** 1
**Showing post:** 2

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### Author: ![nugget](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/nugget/32/57_2.png) [@nugget](https://forum.mustachianpost.com/u/nugget)
#### Post date: [June 12, 2017, 2:26pm UTC](https://forum.mustachianpost.com/t/goodbye-no-money-no-clue-hello-fi/337/2 "2017-06-12T14:26:12Z")

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

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 😉 [this post](http://forum.mustachianpost.com/t/current-setup-ct-ie-based-funds-vs-moving-to-vanguard-us-ib/302/9?u=nugget) gives you a hint but is already outdated.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](https://www.six-swiss-exchange.com/downloads/indexinfo/online/share_indices/smi/smifamily_factsheet_en.pdf) . In case there are any other (ETF-) availale indices, plz let me know 😉

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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