Hi all
Here the Newbie again
As mentioned above, I would like to share with you all my idea and strategy (with the reasoning behind my decisions) for creating a portfolio with a minimum estimated duration of 20 years.
My basic idea is to invest 100% in stocks (given the duration of the investment, assuming that I am aware of the very probable drawdowns that this type of asset allocation brings with it) trying to cover the entire world with an imbalance towards the US and CANADA markets.
The portfolio is distributed as follows:
- WORLD ex CH + WORLD incl. CH (only developed countries) 56%
- CANADA 10%
- EMERGING 8%
- All EUROPE 15%
- SWISS IMI 3%
- PACIFIC ex Japan 3%
- JAPAN 5%
For tax advantages (IBKR vs FINPENSION) it is divided as follows:
FINPENSION:
World ex CH 25.6%
JAPAN 5.00%
PACIFIC EX 3.00%
IBKR:
WORLD incl CH 30.4% (URTH)
CANADA 10.00%
EMERGING 8.00%
ALL EU 15.00%
SWISS IMI 3.00%
Below a premise: which ETF I considered optimal for my strategy and which one I prefer, as well as the % weight on the total portfolio.
Having already optimized all my fixed expenses and calculated approximately (worst case) the variable ones, I calculated a >50% monthly savings to invest. (Therefore the monthly amount, as well as the annual amount, reported in the image is greatly underestimated.
Obviously increasing the monthly/quarterly amount of the investment, will automatically change the % of allocation destined to IBKR.
Here instead is an image of all the calculations made based on the geographical allocation for each ETF (with the relative real weight on the portfolio)
From what I have studied so far I think my strategic plan is quite good.
I would be very happy to have a constructive discussion with you who are much more experienced than me.
In addition to this, there are other doubts that torment me; one above all is:
How convenient is it now to start investing (PAC aka Accumulation Plan) in the ETFs that I have chosen given the market in ATH? (therefore Finpension only cash?)
Excluding to proceeding with a PIC(aka Capital Investment Plan) because I think is absolutely senseless with market ATH.
Thanks all in advance