# My FIRE Portfolio
**URL:** https://forum.mustachianpost.com/t/my-fire-portfolio/15880
**Category:** Investing / Portfolios
**Created:** [March 25, 2025, 5:10pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880 "2025-03-25T17:10:28Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@oslasho](https://forum.mustachianpost.com/u/oslasho)
#### Post date: [March 25, 2025, 5:10pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/1 "2025-03-25T17:10:28Z")
We’re close to the end of Q1, I’m at ~2% below all-time high. I’ll share a little overview for my portfolio and plans.
ASSET ALLOCATION
| Asset | Current | Target | Range | Description |
| --- | --- | --- | --- | --- |
| Equities | 51.5% | ~65% | 50%-70% | Country-/Region-ETFs |
| Real Estate | 16.5% | ~10% | 7%-17% | Swiss Funds w. Direct Holdings |
| Alternatives | 7.5% | ~10% | 7%-17% | Managed Futures ETFs, CAOS |
| Fixed/Cash | 19.5% | ~10% | 7%-17% | Accounts, Deposits, Notes, Bonds |
| Bonds | 2.5% | ~2.5% | 0%-5% | 15+ Years |
| Gold | 2.5% | ~2.5% | 0%-5% | Bars / ETFs |
_[Target: strategically // Range: tactically]_
Remarks: Still in the multi-year process of increasing equities to its target. If they do well, less rebalancing will be needed. If they don’t, happy to add at better prices. Recently changed the targets/ranges for the diversifiers, which mostly affects MF Trend and Fixed/Cash (required rebalancing is underway).
EQUITY ALLOCATION
Top Markets & Sectors
| Market | Current | Target | Sector | Current | Target |
| --- | --- | --- | --- | --- | --- |
| US | 39% | ~48% | Healthcare | 14% | ~18% |
| CH | 24% | ~18% | Technology | 14% | ~17% |
| UK | 19% | ~11% | Financials | 18% | ~15% |
Remarks: Sector “Targets” here basically mean “if I held the respective ETFs at their market’s target weight”.
LIMITS
| | |
| --- | --- |
| Equities: Single Market | 50% |
| Equities: Single Sector | 20% |
| Equities: Single Company | 2% |
| Fixed/Cash | 100k per bank/bond (exc. state guarantee) |
| NW: Single ETF/Issuer | 35% (2+ domiciles) |
| NW: Single Broker | 35% (2+ domiciles) |
Happy investing to all of you!
---
### Author:  [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)
#### Post date: [March 25, 2025, 5:58pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/2 "2025-03-25T17:58:52Z")
My 3.14 Rappen:
> [@oslasho](#):
>
> Bonds 2.5% ~2.5% 0%-5% 15+ Years
Do you really need this? The whole position is less than the change of your portfolio in a week or on some days. The yield is probably very low if not negative. Are you betting on decreasing interest rates?
> [@oslasho](#):
>
> Gold 2.5% ~2.5% 0%-5% Bars / ETFs
This position is also insignificant. Unless you keep gold as a resource of last resort, but in this case it should be only physical. Some bars, many coins as a semiapocalyptic scenario currency. Sewn inside your vest. Maybe a bullet-proof one.
---
### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [March 25, 2025, 6:37pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/3 "2025-03-25T18:37:51Z")
You made me check up on my portfolio:
| Asset | % |
| --- | --- |
| Stocks (6% pension) | 46% |
| Real estate | 30% |
| Bonds (15% pension) | 19% |
| Gold and commodities | 5% |
About 7% will be shifted from stocks to bonds as part of the continued filling of my pension pot.
I normally only look at my actively traded portfolio, which represents 50% of the portfolio. It is interesting as in the portfolio view, gold/commodities represents 10% which seems quite sizeable, but put into the perspective of the whole portfolio, it is only 5%.
Mortgage debt is 10% of assets.
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### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [March 25, 2025, 7:06pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/5 "2025-03-25T19:06:33Z")
> [@oslasho](#):
>
> re gold: i’m up ~25% and i don’t really like current prices. but who knows what’s still possible if there’s a crisis, plus the existing position is in phyisical bars.
While I don’t like how quickly it climbed this year, I think we might be climbing a wall of worry on gold. Interestingly, even with the significant moves last year and this year, there’s not been too much hype about it. I figured the wsb crowd would be all over it.
My gold holdings are ETFs, miners and futures. No physical, but tempted to move some to physical ETFs with custody in Switzerland given what is happening in the US.
---
### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [March 25, 2025, 7:22pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/6 "2025-03-25T19:22:09Z")
> [@oslasho](#):
>
> bonds (pfandbriefe) that means: ~1% yield if held to maturity [in ~22 years], ~2% interest per year. if we get negative rates again in the next few years,
I’m not sure about bonds. I think maybe in the end, I’ll hold 5%-10% and re-allocate the rest to either stocks or paying off mortgage debt depending on what mortgage rates look like.
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### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [March 25, 2025, 8:13pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/8 "2025-03-25T20:13:49Z")
Not really. Gold/commodities are just trading positions.
Real estate is set due to illiquidity unless I sell some of it or downsize.
I think I’d want:
- \>5% bonds
- \>45% stocks
- no additional physical real estate beyond the existing 30%
Which leaves around 20% to play with.
---
### Author:  [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)
#### Post date: [March 26, 2025, 8:04am UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/9 "2025-03-26T08:04:22Z")
2 posts were merged into an existing topic: [Buying gold Vs staying with CHF](https://forum.mustachianpost.com/t/buying-gold-vs-staying-with-chf/3627/146)
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### Author:  [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)
#### Post date: [March 26, 2025, 5:24am UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/11 "2025-03-26T05:24:31Z")
Which RE and MF funds are you holding?
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### Author:  [@larix.aurea](https://forum.mustachianpost.com/u/larix.aurea)
#### Post date: [March 26, 2025, 9:52am UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/13 "2025-03-26T09:52:12Z")
Why is the range for RE, MF and Fixed/Cash off and not, as would seem consistent 5%-15%?
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### Author:  [@dom.swiss](https://forum.mustachianpost.com/u/dom.swiss)
#### Post date: [March 26, 2025, 3:20pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/15 "2025-03-26T15:20:09Z")
Looks like you have a plan!
One thing to consider: what currencies are your fixed deposits, cash and bonds in? If you want to gear up for any inflation, you would probably need to adjust.
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### Author:  [@dom.swiss](https://forum.mustachianpost.com/u/dom.swiss)
#### Post date: [March 26, 2025, 3:52pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/17 "2025-03-26T15:52:16Z")
> [@oslasho](#):
>
> can you elaborate?
I expect inflation, as borrowing money to build up the military and fix infrastructure in Europe will lead to that. With EUR or USD, I would have cautioned you. CHF is better, yet you will lose 2% per year, if our national bank is successful with their interventions. Real assets would be better to counter inflation: land, real estate, productive companies, gold.
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### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [April 4, 2025, 11:17am UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/20 "2025-04-04T11:17:11Z")
It had a little bump the last days.
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [June 23, 2025, 2:57pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/25 "2025-06-23T14:57:37Z")
You have defined all sorts of limits quite well. Very disciplined:)
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### Author:  [@Just\_Ludo](https://forum.mustachianpost.com/u/Just_Ludo)
#### Post date: [July 6, 2025, 8:05pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/26 "2025-07-06T20:05:25Z")
Hello!
I’m currently gathering information to build my investment portfolio. Since I prefer not to check on it every week, I’m looking for a solid and simple long-term strategy (25–30 years). Naturally, I may adjust my risk exposure over time as I get older.
The MP portfolio is simple and that is appealing. I really like the idea of holding a global ETF like VT as well as a Swiss ETF in CHF (e.g., replicating the SMI or SPI). However, I’m uncertain about other assets such as bonds (corporate vs. government, short- vs. long-term), commodities, and real estate (REITs). My goal is to lower the risk linked to stock, and I see bonds or real estate as options to pursue it.
When I look at bond performance, I’m not particularly impressed. With the SNB recently lowering interest rates, I don’t see much upside. Maybe I am wrong. One idea I’m considering is treating my 2nd pillar as my fixed income allocation and investing the rest in other asset classes.
As for real estate, it seems more attractive (e.g., SRFCHA or the Swisscanto Real Estate Fund Responsible IFCA). That said, there may be some market risk ahead—it’s hard to believe the upward trend can continue indefinitely.
I’m even less familiar with commodities. Everyone seems to be buying gold lately, and HSBC has raised its price forecast. But is gold really a long-term investment?
What are your thoughts? Thanks for sharing!
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [July 6, 2025, 8:37pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/27 "2025-07-06T20:37:12Z")
Everything in isolation can have drawdowns . Be is real estate, gold, commodities, bonds or stocks. This is reason why some investors use multiple assets to reduce the risk of their portfolio.
However it’s not good to make changes based on recent moves because that tends to end up being a bad move. You need to think of a long term asset allocation based on your risk tolerance
Maybe some ideas at the link [here](https://portfoliocharts.com/2024/12/11/find-your-ideal-allocation-with-the-portfolio-optimizer/)
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### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [September 28, 2025, 8:29am UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/29 "2025-09-28T08:29:08Z")
> [@PhilMongoose](#):
>
> While I don’t like how quickly it climbed this year, I think we might be climbing a wall of worry on gold. Interestingly, even with the significant moves last year and this year, there’s not been too much hype about it. I figured the wsb crowd would be all over it.
So it has been climbing the wall of worry and gold is over bought. It seems to me we are still at the beginning of the hype cycle and so I haven’t trimmed yet. I’m still waiting for the shoe shine boy to tell me to buy gold. In fact, I even went more speculative by adding gold junior miners and silver miners. We’ll see if silver violently catches up with gold.
I still feel that TINA is still in okay so have opportunistically trimmed here and there to fill pension, but haven’t sold large amounts yet.
---
### Author:  [@mabi](https://forum.mustachianpost.com/u/mabi)
#### Post date: [September 28, 2025, 11:31am UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/30 "2025-09-28T11:31:44Z")
> [@PhilMongoose](#):
>
> I seven went more speculative by adding gold junior miners and silver miners.
I also have my eyes on the Global X Silver Miners ETF (SIL) but the TER of that one seems on the abusive (0.65%) side. Which silver miner ETF did you buy?
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### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [September 28, 2025, 3:05pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/31 "2025-09-28T15:05:50Z")
Yes, I bought SIL. I considered buying some of the constituents, but I’m not planning on holding this long term.
I’m already up over 30% on SIL, so the 0.65% TER is inconsequential 😉
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### Author:  [@JEPG](https://forum.mustachianpost.com/u/JEPG)
#### Post date: [October 14, 2025, 3:53pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/33 "2025-10-14T15:53:06Z")
You don’t seem to chase income generation from the PF, more low-vol, risk controlled stash to withdraw from.
So, do you plan withdrawing?
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### Author:  [@JEPG](https://forum.mustachianpost.com/u/JEPG)
#### Post date: [October 14, 2025, 6:33pm UTC](https://forum.mustachianpost.com/t/my-fire-portfolio/15880/35 "2025-10-14T18:33:26Z")
> [@oslasho](#):
>
> most assets do generate distributions
Growth stocks, bitcoin, cash (if CHF), gold (ok now 0), tail risk ETF, do not sound high in distribution to me…not sure MF?
Bonds are a small part.
I see RE funds.
You must have a hell of a stash to live from distributions 👏 .
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