Thanks a lot mustachians for the great info!
I really like the approach of @glina and the mix of VWRL, WOSC (small caps) and Gold. Simple 3 ETFs approach.
Two questions (for everybody):
-> I am a bit worried about the low exposure to the CHF as I am planning to be here on the long term. If we look at the 3 ETFs portfolio on the blog, I like the fact of having some CHF exposures through the mid-cap CH (SMIM). It could be a nice way to replace the WOSC with a lower TER.
I am actually hesitating between
55% VWRL (all world)
10% WOSC (world small caps)
25% SMIM (Mid caps Swiss)
Or do you think that WOSC is an overkill and simply choose 65% VWRL / 25% SMIM / 10% Gold makes more sense?
-> In times of crisis, it is true that gold goes high but CHF too. AUUSI trades in USD. Therefore you may gain in Gold but lose from the currency side, hence suppressing the effect. I saw the ZKB Gold ETF trades in CHF but is much more expensive (0.3% management fee + 0.4% TER) and apparently lower return. Was it part of your decision making?
Edit: i have read @Bojack analysis and I should precise that my view is long term regarding small caps