@REandSTOCK wouldn’t buy SPDR Dow Jones Global Real Estate UCITS ETF. The first 4 companies (at least) are part of the S&P500…
That’s a good point. Didn’t notice this.
@REandSTOCK If you want more exposure to real estate you can buy swiss real estate mutual fonds but they are more usefull for rich people to save wealth tax (tax in general as well).
Yeah I did not want more exposure to real estate in particular. Just wanted more diversification. Felt like I should do more than just buying a single stock. When looking at all these robo advisors (slema, truewealh), they always add these 5% real estate to the mix. In case of truewealth for example, its 5% swiss real estate only, and no other countries. Tax savings is most definitely not the case on my level
@Helix If those 13’000 CHF are your emergency fund, I would think long and hard about:
No no, it’s really the portfolio cash. So money I consider invested and use for rebalancing. Emergency fund is separate, as well as 3rd pillar
@Helix If on the other hand you want to sell off stock etf to buy bonds, wouldn’t that be selling low to buy high?
Nah, I would start buying Stocks + Bonds from now on each month, instead of just stocks. I’m not selling anything now.
@Helix As you see I don’t have the answers. But I hope questions will do.
Thanks. It did help in the sense that I now feel more that I have no bloody clue about these asset classes
@Helix Do you understand those 3 asset classes well enough to do market timing with them?
It’s not short-term market timing I’m talking about. But the 2008 crisis brought forth a few real estate millionaires, since they got into business when everyone else was getting out and running. So my thinking was, that now in the next 2-3 years real estate would see an upswing as well, since opportunities have been created now for people with cash.