Hi,
I have been investing mostly by trial and error until I found this forum.
I would like to get your feedback and suggestions about my current portfolio and how to optimise it.
For the context, I am self-employed Swiss tax resident on B permit and I consider moving to EU country within the next couple of years.
Maybe start by explaining why you made those choices? For instance for the equity part, what are you aiming to gain compared to e.g. dumping all your equity in VT? What is the theory behind outperforming the broad index?
What is the composition of the real estate part?
Is it composed of your residence? Do you own REIT or other specialised funds ?
Is it highly oriented in dividends and how is it taxed ?
I have practically retired already. I am self employed for being able to renew my residency permit and to have a structure to do a fun project once in a while.
I want ~4% of annual return so, I guess, I need 4% plus inflation.
I donât know what I expect but I hope for 5% of return from my investments.
that sounds rather âcloudyâ, but maybe iâm wrong. do you have some kind of a long-term budget, like expected income & expenses (incl. taxes & inflation) for the next 20+ years or so? if not, iâd probably start calculating to get closer to having a plan. potential changes for the portfolio may or may not follow.
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