I’d like your comment and feedback regarding the following portfolio distribution, this asset allocation is less than optimal I am aware, but takes into account the current state of the portfolio, the goal is to transition to a less biased one (less Swiss heavy and REIT heavy)
Investment horizon: 20-50 years
Home bias: Switzerland
Investment amount: 3M+
iShares Core SPI 10%
iShares Swiss Dividend 15% I know is less tax optimal, but kept as protection until after the next recession
UBS Property Fund - Swiss Mixed «Sima» 30% already owned asset, to be diluted
Vanguard S&P 500 VOO 20%
Vanguard FTSE All-World VEU 15%
Swiss government bonds (7-15 y) or cash 10% with interests so low cash might be the best choice
SGOL - gold ETF 5% probably a bit low, to effectively act as anti inflationary medium
Additionally, despite lurking through the forum, the questions that stand are:
- US funds are the right choice to avoid double taxation?
- Which broker (I know IB is the best choice), but CT seems the psychological best choice?
- I am a bit worried to invest a lot in the same instrument type, I understand the advantages of index ETFs but should I also diversify using active funds to reduce the instrument related risk?
Looking forward to your feedback