Mustachian portfolios

Investing / Portfolios
341

Maybe it’s true…If I have Viac I don’t need Mirabaud .But there are a limit for 3a.

For china I goint to find an etf or fund.

342

So…Maybe it’s better use Vwrl for World + Usa and not SP500.

And add an “european msci”?

Thanks…I’m new in this. It’s not easy

343

I hope you are aware you already have China exposure with VWRL, as well as US exposure.

If you do go with VWRL and then add SP500 and EU small/mid caps then you are basically underweighting all Europe large caps, underweighting developed markets ex EU and USA as well as underweighting all emerging markets other than China. Is that your intention?

My best advice to you is to just go Global 80 or 100 at VIAC and VWRL via Degiro. Get rid of everything else.

344

Thanks a lot.

So…

VWRL
Viac

And something more to EU?

345

What is the reasoning for wanting more EU? As mentioned before, try to get an idea of why you want to diverge from the global market cap before changing things.

346

No not really, EU is included in both vwrl and viac. I see no outperformance potential by overweighting EU exposure.

2 Likes
347

So…for resume:

I have VIAC (about 6800chf anual)

The rest of my portfolio ALL VWRL

It’s the more simple and cheaper

3 Likes
348

Hello!!

I found this ETF ==> IE00B4L5Y983

It’s similar to VWRL but lower TER.

Your opinion? Thanks

349

Difference is in accumulating (SWDA) vs distributing dividends (VWRL).

(Otherwise VWRL seems to me a bit more diversified (3900 vs. 1645), as they track different indices - FTSE vs. MSCI.) → irrelevant

Edit: Thanks @yakari for filling in. Didn’t get that part from the quick google as they don’t sit on my preferred etfdb.com/etf.com comparison sites. :slight_smile:

@omoyano Then you would need to add something like EIMI to it, if you want to “replicate” VWRL.

3 Likes
351

IWDA/SWDA + EMIM/EIMI is the perfect combo. Makes no tax difference for Switzerland, but I’d go with the accumulating ones for less hassle.

1 Like
352

So…SWDA : IE00B4L5Y983 + EIMI:IE00BKM4GZ66 (but not free in Degiro I think)

353

Don’t get hooked up too much on minimum TER and free to trade ETFs. Choose the most ilquid ETF on the most liquid exchange as you will save much more on spreads this way.

IWDA and EMIM are moth available in EUR from the Amsterdam Exchange on Degiro and this would be my #1 picks for Degiro.

1 Like
354

Thanks a lot. I choose finally:

Both in degiro free etf list

355

Trust me, EMIM will come out cheaper to buy and own even if it is not on the free ETF list.

1 Like
356

Ok I trust you so EMIM with ISIN: IE00BKM4GZ66

So finally (I hope :sweat_smile:) :

70% IWDA : IE00B4L5Y983 iShares Core MSCI World UCITS ETF
15% EMIM: IE00BKM4GZ66 iShares Core MSCI EM IMI UCITS ETF
15 % VIAC SMI/SPI (and extras…)

4 Likes
357

Hello everyone, I’m new! Thanks to the “current situation” I’ve had plenty of time to read about investing and one of the ressources I’m thankful I found is this forum. It’s just great. I also realised I’m doing all quite wrong :smiley:

So: I’m swiss, almost 40, I use TradeDirect and I started ~4 years ago. My current portfolio:

Stocks (handpicking :-1: ): 70%
Cash: 20%

and just started with ETF:

iShares Core SPI ETF CH0237935652: 6%
UBS ETF SMIM (CHF) A-dis CH0111762537: 4%

I want to move to this configuration:

Vanguard FTSE All-World UCITS ETF IE00B3RBWM25: 60%
iShares Core SPI ETF CH0237935652: 25%
UBS ETF SMIM (CHF) A-dis CH0111762537: 15%

I also just opened 3 Frankly 3rd pillar - 95% - which are currently empty, but I will move all my 3 accounts to Frankly by the end of the year.

Thanks for the good advice I found here!

358

Why SPI and SMIM in TradeDirect? You’ll have enough home bias in Frankly?

1 Like
359

Hi,

thank you for the comments:

  • it’s a very good point, I’m actually looking into opening an account at Degiro for ETFs
  • I don’t understand the question. Do you mean there should be more home bias and frankly doesn’t offer it ?
360

Your desired allocation is 60% FTSE All World and 40% Swiss ETFs, leading to roughly 41.5% allocation to Switzerland. Eventhough it’s market cap weight is just 2.6% of the world. Could you explain why you want to do that?

1 Like
361

I guess because I live work and will retire here. But like I said, I only “studied” all that for the last 10 days so I’m very open in suggestions and improvements!

What did you mean with the Frankly 3rd pillar ?