I have been thinking for several years about the most optimal way to invest my money. After careful consideration, I believe that an ETF portfolio will be what best meets my investment criteria of : diversification, attractive returns and limited personal involvement.
I’m still young (26 years old) and that’s why I think I can afford a certain risk tolerance. However, I intend to place the majority on a global fund, namely VT, in order to benefit from regular growth (hopefully). This fund would follow me as long as it meets my expectations.
The rest, for now, would be distributed in more risky ETFs. The goal being to obtain higher returns in the medium term. Returns that I would redistribute in the VT or in new investments.
My portfolio would be composed as follows:
- VT - 60%.
- ARKK - 20%
- MSOS - 10%
- INGR - 10%
This represents 40% more risky investments. Although I necessarily base myself a little on the past returns of these funds (which in practice does not guarantee their future returns), the reason why I chose them is that I believe that their growth period is not over yet. I don’t expect any new astronomical progression, just a more interesting return than that of a VT. Obviously I could be totally wrong, but I think that’s part of the game.
My main issue with this repartition is that it only includes American based ETFs. I read that as of 2022 a Swiss national would no longer be able to trade these products. Therefore, would it be more appropriate for me to go directly to European ETFs with the same profile?
I have deliberately not chosen a Swiss ETF for the following reasons: my 2nd pillar is in Switzerland, and my 3a bank is placed on a predominantly Swiss fund.
Thank you for your advice and remarks.