Well, this where I ended up, looking to introduce myself.
I’ve been lurking here for a bit, after finding this niche on the web. I’ve been familiar with MMM for a couple of years now, and have been a semi-mustachian for a long time. Lived in a couple of countries on both sides of the pond, but we have been back in good old CH for quite a while now. Living in Zurich has its pros and cons, but it seems we’re in for the long haul.
Being mustachian in nature, we’ve had some cashed stashed away several times in the past. Identifying save and profitable ways to invest, we’ve always gone for ‘stone’ 'till now. Not surprisingly, we have ended up with a robust RE portfolio. We own a house in Zurich, which through persistence, patience and luck was acquired for quite a bit less than the asking and bank estimated value. Additionally, we own a couple of handfuls of apartments in France where RE prices and ROI are a bit more to our liking. We have also invested in a REIT in the past, and keep putting in a couple of buck each month.
So far, I have been intimidated by, and hence hesitant to invest in, stocks and bonds – seems to me that often the associated cost are higher than the returns, especially for small players like us. However, our RE exposure is rather significant at the moment, and having a cash cushion that could sustain our current live style for 2+ years on no-interest CH bank accounts isn’t very mustachian. Thus, we’re looking into getting into some ETFs – which probably explains why I ended up here.
My current idea, based on what I’ve read here and at other places is to go with CornerTrader and invest ~10k in some Vanguard World Fund. I intend to keep adding to it once or twice a year until we get our RE to stock ratio a bit more in balance.
Evidently, happy to get any advice and input from the various experts here!