What do you think about it? Specially about my decision to go for VT + VOO and keep very few Bonds?
BTW, I mean, did you see at BTC today? Really crazy… I think it did more than 25% in one day, I even saw it at 20000CHF/BTC at some point…
Well, they’re overlapping, VOO ⊂ VT. Not a bad thing in itself if you intend to overweight America, but otherwise not much benefit either. I’d pick VTI instead of VOO, it’s more balanced - covers all market caps.
Those aren’t the bonds you’re looking for
Weighted Av YTM as of 06/Dec/2017 -0.15%
Minus Total Expense Ratio TER -0.15%
Minus Distribution Yield as of 06/Dec/2017 -1.65% x say, 35% taxes you’d be paying on it
Subtotal: -0.88% of profit per year
It’s so crazy that it’s not funny anymore. It flatlined… vertically
Hi there,
sorry for the delay, the UBS ETF has this ISIN: CH0111762537 and I’m holding it on DEGIRO, so it should be fair. About the bond I think @hedgehog is right, it’s performing quite badly… I should sell it but what to take in place of it? just go for another etf and ignore bonds for the time being? or also go crazy and move it to the cryptos but must admit that it continues to hold and the total market capitalization of cryptos continues to grow… unless it’s going remarkably down anytime soon I’d say it will hold… let’s see…
@hedgehog Could you please say more about this scheme? I would also appreciate if you would deliberate a bit more on your investing philosophy. Thanks.
VWO is only EM. Are you sure about that ? The total invest in EM will be 53% + (10% * 47%)=57.7
in any cases, take an Emerging market fund based in IE instead of US. This will avoid the U.S withholding tax.
I would recommend:
Vanguard FTSE Emerging Markets UCITS ETF
iShares Core MSCI Emerging Markets IMI UCITS ETF
Since I’ll have 3d pillar with 10% EM and VT with 10%, adding some pure EM will dilute it to 30% over the whole portfolio.
Both ETFs that you suggested have a 0.25% TER vs. 0.14% of VWO. Do you think that saving on tax will compensate this? As I understand you need to pay TER on the whole sum every year, but you pay the tax just on dividends, which should be much smaller, right?
However I still don’t really get it completely. If I understand it correctly, then if means that with Vanguard IE ETF you won’t have the extra 15% withholding tax from the US. But you’ll have to pay about 15% of the Swiss income tax for these dividends in both cases. It comes to 15+15% for VWO, but only 15% for the Vanguard IE ETF, right?
congrats! looks like a rock solid diversified, low-cost long term investment portfolio! unless you decide for 100% stocks, consider also diversification in non-stock-assets.
I am so new to all this investing business, that I’ll first invest a very small amount and keep the rest in cash and 3d pillar. I have to get used to these ups and downs first. If at some point Swiss bonds will start to bring some interest I’ll maybe buy such a bond ETF. I listened to several talks of experienced people on long termed investments and they say that stocks make more sense:
Hello everyone. Very interesting thread so far. I also like @Knoch portfolio. My husband and I have just set up a De Giro account and want to start realizing a similar portfolio. Your feedback is appreciated!
Code
Name
Reach
% of portfolio
VEVE
Vanguard FTSE Developed World
World
45%
VEUR
Vanguard FTSE Developed Europe UCITS ETF
Europe
30%
VFEM
Vanguard FTSE Emerging Markets ETF
EM
15%
VTI
Vanguard total stock market ETF
World
10%
This might be a silly question, but we plan to buy these stocks on the Swiss Stock Exchange. This is because we live in CH and hope to be here for a long time. The “backup” plan would be to settle in Europe so maybe it is also worth diversifying the currency in which we hold these funds?
We will also hold some cash and are considering our 2nd and 3rd pillars as counting towards lower risk investing.
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