After some optimization I now have the following Strategy:
80% Stocks:
- 39% World ex Swiss CHF Hedged: CSIF World ex CH Index Blue CHF Hedged
- 13% World ex Swiss SC: CSIF World ex CH Small Cap Index Blue
- 13% EM: CSIF Equities Emerging Markets
- 12% SPI Extra: Swisscanto Index Equity Fund Small & Mid Caps CH
- 3% SLI: iShares SLI
18% Bonds:
- 6% World Gov: UBS IF Global Aggregate Bonds Passive CHF Hedged
- 6% Dev. World HY corporate: iShares Global High Yield Corporate Bond CHF Hedged
- 6% EM Bonds: CSIF Bond Emerging Markets Index Blue CHF Hedged
2% Cash CHF
I take full advantage of the 80% stocks allocation, which is the currently known maximum for 3a Investments. The 13% of world SC & EM add up to the 26% of non-CHF-non-hedged assets (the 27th percentile was not allowed in their selection mask). 2% cash are also required. the remaining 18% are evenly spread over different bond markets. with a total average TER of 0.2435% and 0.68% allin, I own this portfolio with at total TER of 0.9235 %, plus swiss stamp taxes on transactions.
The high TER and restriction in Product choice make me reconsider if i put money there in the future. but the money i put there already is now put to good use.