My name is Victor, 35 years old, living in Switzerland.
So good to be around people interested in investing!
I would like to hear your thoughts about the portfolio that I want to build/ building at the moment.
In the past I had some struggles, so I decided to start a completely different portfolio, and a different mindset.
Starting with the premise that I will be living in Switzerland forever, and I have NOW a very conservative approach towards investments, and I’m prioritizing good sleep, my portfolio is odd in comparison to the average portfolio. I dislike the currency diversification, that’s why I plan to have all ETFs CHF hedged. Yes, I probably will lose over time some returns in comparison to other US etf etc, but I don’t mind, I sleep better by having local currency. Is that completely wrong thinking? As I said, very interested to hear opinions and advices in order to improve and to learn! Thank you.
My total capital in around CHF 3 mil, and I will not have anymore an income in the near future.
Stocks - 50%
UBS ETF (IE) MSCI ACWI ESG Universal UCITS ETF (hedged to CHF) A-acc
Since I want to have everything in CHF, (again, not sure how unwise it is, but I feel better in this way) this ETF cover large - mid around the world + EM. I’m not particularly interested in ESG btw.
Real estate - 35%
This is the major point about which I would like to hear opinions and advices. I have already read everything on this forum regarding co-ownership, aka Crowdhouse/ Fox stone. On paper, I really like this kind of investment. Being able to invest in several building, it is a very good diversification against missing tenants. My ownership is registered, no risk of fraud and losing all the capital. It is illiquid and that’s bad, but I sincerely have faith in them, in the fact that the company earns in case we investors also earn, I don’t see how theoretically it can go wrong, unless property prices drops very heavily. Owning directly an apartment, is a more secure investment, buy the returns are so low. Since I’m looking for fixed income, Swiss REIT listed on stocks are unpredictable during some crisis. Basically, I would like to have my fixed income coming from Real estate, and I don’t know the best approach. I’ve heard a lot of different opinions, went to financial advisors, but still not sure what to do.
Bond - 5%
Xtrackers Global Inflation-Linked Bond UCITS ETF 4D CHF hedge - 5%
Is it bad or does make sense?
Gold - 5%
Cash - 5%?
iShares Swiss Dividend (CH) for an extra flow of income?
Overall, I’m very frugal, and I need the security of different kind of cash flows in order to have always some income, especially during a black swain, to be able to survive until the situation stabilize overall