Hello fellow Mustachians,
many thanks for sharing all you experiences and know-how. I have started my investment journey start of 2018 and have been passively enjoying this forum a lot. Start of this year I thought it would be time to actively participate as well starting with some questions for 2019.
- Do you guys count invested 3a Pillar within your low-risk part of asset allocation?
- Since I now have 3 accounts investing into index funds, I imagine it difficult to rebalance next year. Is it enough to only track the low-risk to high-risk ratio of your portfolio and rebalance accordingly?
My portfolio details are appended below. I would very much appreciate any input on my intended portfolio moves for 2019.
Situation until now:
CT: 25k CHF
- VT Developed World: 80%
- VT Emerging Markets: 20%
3a Pillar: 26.5kCHF
- UBS Vita-Invest World
- 50k CHF high cost Fund
- 12k CHF as cash backup
To do in 2019:
Turn 31 this year
CT: No new investments
IB: Sell high cost Funds and create new portfolio with Interactive Brokers
- VTI US Total Stock Market: 40%
- VEA Developed Markets exUS: 35%
- VWO Emergings Markets: 15%
- VSS Small Cap exUS: 10%
3a Pillar: Move Pillar from UBS to VIAC and create own portfolio
- SPI Extra: 35%
- SMI: 2%
- World exCH, unhedged: 35%
- World exCH small cap, unhedged: 15%
- Emerging Markets: 10%
- Cash: 3%
80% of savings will be invested in IB & VIAC.
20% of savings will be saved on bank to increase low-risk asset allocation within portfolio.