A little help or thinking along would be appreciated. My wife’s slowly accumulating an embarrassing amount (6-digit) of cash in her PostFinance account and we finally talked about what to do with it.
She “doesn’t care about the money” and never was interested in investing, let alone “doing anything in the stock market”, so I’m slowly pushing her into a 33:33:33% strategy, where 33% is in property investments (check), 33% is in cash/bonds (2nd pillar, check) and 33% is (or rather, should be) in equities (partly check: 3a: PF75 fund plus new something).
- she doesn’t want to actively manage it
- and she doesn’t want to “risk things with a stock market crash” next month.
- as simple as possible (think 1x setup and auto-transfer every month, ideally with PostFinance)
- as cheap as possible (ideally buying 12x a year)
To keep it simple I came up with an idea to
- either buy VOO or VT (I’d tend to VOO with the SP500, please convince me otherwise?)
- I’d DCA her accounts to max investments in the next 24 months in order to avoid risk of a potential big stock market crash
TrueWealth seems too expensive, IB seems super complicated. Postfinance seems not that bad actually (90CHF yearly) as long as you don’t trade too much.
So the question is:
- does Postfinance provide such a “Sparplan” or any other auto-investing techniques? Worst case I’ll just ask her to transfer and buy every month, but that seems already a tad too much.
- VOO or VT? Any alternatives?
- She’s in pharma/personalized medicine, so after talking about it, she might allocate some money for this purpose in the portfolio. Besides ARKG (which is probably n/a through Postfinance), would you have any reasonable recommendation for a good ETF for pharma innovation (personalized medicine, cancer therapy, genetics)?
We just turned 40, so the runtime of these things can easily be 10-15 years.