Hi,
I’m not yet invested (currently getting informed about it all), but but it looks very interesting.
I’d also be very interested in the way to implement it best, with respect to living in Switzerland, i.e. which ETFs to buy… (on deGiro)
I’m glad it also appeals to you. If I reach some new useful infos I’m going to let you know.
In the meantime also some feedback from the savvy posters here would be very useful and appreciated 
@fedra I’m currently reading all articles on JustETF :
And I’ve also finished reading pretty much all from portfoliocharts.com/library/
I’ll use a lot of those information to decide what to buy…
And here is my portfolio:
For 3a I’m (still) at VZ where I accepted their standard 80% Stock market allocation (Sorry for the German in the table. I believe it’s still understandable)
Is anybody else at VZ? Any views on the standard VZ portfolio?
I did a brief analysis of the portfolio and it seemed quite reasonable. If I would pick the protfoli myself I would have picked a simpler portfolio with fewer titles in order to keep it simple. But for me it is simple. I just chose the strategy with the maximal possible stocks and the rest has been done automatically by VZ.
Anyways I’m planning on moving to VIAC since you can have up to 100% stocks. I already opened the account and will make my 2018 contribution in VIAC (Thank you people for suggesting VIAC and offering the referral codes). Though I still need to figure out how the transfer from VZ to VIAC will work and especially how much it will cost me.
Anybody experience with transferring a VZ 3a portfolio?
The target allocation (I’ almost there, just a couple of corrections left) of my other assets is this
Here I try to keep it very simple and have an approx. 50/50 balance between Swiss titles and Golbal markets (VWRL has about 8% Switzerland). This is because there is a scenario where I will stay “for ever” in Switzerland and I believe this way I manage the currency risk a bit. (Not completely sure about that though. Any thoughts on that?)
I’m still as swissquote with my portfolio. Also here I know it’s probably second best of the swiss brokers and I’m planning to move. But I need first to investigate the costs and gains of moving.
Is anybody else with swissquote? Has anybody any experience with moving from swissquote?
Anyone has any suggestions / feedback on my portfolio? Investments strategy - buy & hold long term (30+ years), IB-used with deposit of a fixed sum every 2 months for the next 30 years:
VTI - 40%
VBR - 20%
VXUS - 15%
VSS - 15%
VWO - 15%
As non-stock investment in parallel, I am saving cash to buy real estate (and rent it out) in originating country (CHF 150k - rough cost of an apartment with annual returns of about 4.5% from rent & increase in value, net of expenses & taxes)
1 Like
You might want to scale in on the larger drops in the next few months or even longer, as you might end up buying at the top of the bull market which would be very problematic in the mid-term.
Or you may just as well miss out on all the gains as could never be as low as today. In other words - don’t time the market.
1 Like
@wapiti I am not sure I fully understand why you recommended the IE fund instead of the US fund. It was my understanding that for a US domiciled fund L1WT is ‘0%’, there is 30% L2WT withholding tax, but you can file a W8BEN form to reduce withholding tax to 15% and then using DA-1 the remaining 15% would be credited for overall income taxation. In contrast, with the IE fund L2WT is ‘0%’ but one will have to pay 15% L1TW. So I don’t understand how the IE fund is better from a tax perspective?
Thanks for your feedback.
Hi everyone,
here is my position, and I would love to hear about your thoughts on my plans.
30 y/o, single.
I finally opened an account at IB.
I plan to dump around 30k initially, then add 2-3k CHF every 2 months or so.
Regarding the structure, my thoughts were with:
- 50% VTI - 0.04% TER (US total)
- 40% VEA - 0.07% TER (ex-US developed)
- 10% VWO - 0.14% TER (emerging)
In addition to that, I currently own:
- Novartis shares - currently cca 18k (will grow depending on how much longer I stay with the company)
- 3rd pillar - moving to VIAC 80% Global fund - currently cca 17k
(so pretty well covered for CH market I’d say)
I don’t think I will put any more money into these two for now.
Any useful feedback more than welcome!
Thank you,
D
Thanks for adding to my contemplation, I was thinking to opt for full cash this year instead of stocks / 50-50 split.
As I believe it doesn’t really help the “diversification” principle.
And of course throw that into IB. 
Cheers!
1 Like
Perfect, IMO.
If I were you, I’d reduce the stake at Novartis.
3 Likes
Based on the low amount and the weighting you have chosen, I would propose the other option to buy only the VT ETF:
-No rebalancing needed
-Easier for taxes at the end of the year
-Only one transaction needed each month instead of 3
However, the TER will be a little higher 0.1 instead of 0.062, this will be compensated by the number of transactions
Sell the Novartis shares
Choose 100% in VIAC instead of 80%
3 Likes
I bought a total of 3000 CHF in a mix of VTI+VEA+VWO last month. Spend a total of 1$ in fees at IB. Can’t be bothered to calculate the invested amount where the TER difference will exceed this cost, but I recon it’s pretty low!
Hi,
I am investing for the first time. After doing quite a bit of research, the short list which I have settled on is the following:
- VTI (40%)
- VB (10%)
- VEA (in the range 25%-30%)
- VSS (10%)
- VWO (in the range 15%-10%)
I intend to open an account in IB and buy all the ETFs there.
I hope to reach FI asap, and at least within 10 years.
I would very much appreciate your thoughts on my intended portfolio.
Thank you.
1 Like
Thanks for your comment, wapiti.
In which way is it easier regarding taxation if I own shares in 1 vs 3 Vanguard funds?
I actually kind of like the idea of being able to easily adjust the proportions; although perhaps not for the correct reasons.
When you will need to prepare your tax declaration you will have only to fill 16 (12 buys, 4 dividends) lines instead of 48.
At the end, I woudn’t bother too much. Both options are good.
3 Likes
@all, 2 more questions:
-
Reading a bit more around, and with the interest of reducing effort with (de)taxation:
Would it make sense to purchase funds for points 2 and 3 which are not traded on ARCA? (developed ex-US and emerging markets)
I see the 2 I mentioned are labelled with FTSE, but the ticker I got within IB app tells me they are “ARCA-based”.
Did I get something wrong?
Are the TERs somewhat higher if the funds are traded at other stock exchanges?
Should I identify different tickers/funds for this purpose? -
Do you think the weightings above make sense, or should I somehow adjust (for a non-US resident)?
Many thanks,
D
How do you do it? when I buy multiple tickers I am getting 1$ fee for each. Is there a function I could not yet discover there :)? Would save me some fees…
You need to activate tier fees (instead of fixed fees)
3 Likes
Any advise also for the 10 CHF min value per transaction in the Swiss market? 
Never tried but it should also be lower with tiered fees: https://www.interactivebrokers.co.uk/en/index.php?f=39753&p=stocks2
2 Likes