Hi Mustachian Post forum
I have currently around 70% of my portfolio in stocks (ETFs: FWRA/Finpension 3a VT replication, CHSPI, SPMCHA). CHSPI is around 24% and SPMCHA 6% of my ETF portfolio, due to home bias and concentration risk. Maybe in future I will change FWRA to VT, but I am not sure about US domiciled ETFs for now. In addition, I have a monthly Sparplan on Neon for FWRA.
Now I am looking to invest the 30% rest.
What would you do?
One third in cash on a Sparkonto (around 1% return)?
One third in a Real Estate fund (which one)?
One of these?
REET ETF
UBS ETF (CH) SXI Real Estate Funds, ISIN CH0105994401
UBS Direct Residential (very volatile, but the return looks good): UBS Fonds - Preisdaten | UBS Schweiz
Maybe in future I want to buy real estate, so I thought these real estate ETF will track the value of an apartment/house.
Are there any good leveraged real estate funds in CHF?
One third in some swiss corporate bonds (CHCORP) or hedged global corporate bonds (how much return here after hedging costs subtracted, GLAC : SPDR® Bloomberg Global Aggregate Bond CHF Hdg UCITS ETF (Acc))?
CHCORP has a big overlap with CHSPI and GLAC I am not sure about, since it has long average duration and I don’t know how to get the net return after hedging costs included. Is hedging already included in the 2.83% return?
In addition I have some high risk stocks, crypto and gold in my portfolio (but very small amount of two monthly salaries all together).
Any other suggestions?
Pillar 2 I do not count for now, since I am far away from retirement and I do not intend to buy property soon.
My situation:
I do not count any additional income from work in my calculations, except 3a contributions and my Neon savings plan, which is quite low (around 250 CHF per month).
Mid thirties, so I plan to work until at least 60-65, hence I have around 30 years until retirement.
I can handle drawdowns, if I do not need money right now.
I arrived to this 70/30 split from multiple sources.
The purpose:
70% in ETFs for growing my net worth.
The 30% for hedge against black swans or personel issues like illness or losing my job for a longer time. But I still want some increase of net worth from this 30%, so not put everything into a savings account.