This week I spent quite some time reading about how to start investing. Got some very useful advice on this forum too. Now I feel I have gathered enough information to create my portfolio and start investing.
Preliminaries are that I do want to exclude certain sectors. Firm. So please no discussion about that if at all possible. For this reason I have decided to go with ETFs with an SRI label only.
I do max out my 3a each year before investing, and I will keep a good amount of money in CHF as securities for now. The risk part of my money I want to invest in ETFs. That will be 20k CHF to start with, and then 500 CHF each month. If things go well I could invest another lump sum at a later date.
The two ETFs I am thinking about buying are:
UBS MSCI World SRI USD a-acc 80%
UBS ETF (CHF) MSCI Switzerland IMI Socially Responsible A-dis 20%
There is an accumulating variant of the Switzerland ETF too, which I would prefer as I am in the saving phase. However, that ETF does only have 100 mio invested compared to 237. So I think the one I listed would be the better choice?
Would this be a meaningful portfolio, or do I need to make adjustments? Is it well diversed?
Would adding a Swiss
As for the broker, I will probably choose either DeGiro or Interactive Brokers. I have a little more trust in IB as it looks more professional. But I don’t think that I will hit 100k investment anytime soon, so maybe De Giro would be the better option?
I also thought about adding a climate change fund. That would have beeen either
Lyxor S&P Global developed Paris-Aligned Climate (maybe 10%, and reduce the World ETF to 70%)
Lyxor S&P Eurozone developed Paris-Aligned Climate
The global one has only 54 Mio invested, which is very little compared to the 648 Mios of the Eurozone.
On second thought I discarded the idea as it has many duplications with the UBS World SRI ETF.