Adding in White Coat Investor’s blog to the reading list. While it’s a US blog, I guess some themes translate here, like insurances and advisors preying specifically on doctors, as highly intelligent (and confident in their own skills) but poorly financially educated professionals with high salary and high net worth. (Edit: Wow, hadn’t gone there in a long time. He IS a salesman. I’m keeping it here for the profession specific stuff but do apply caution.)
On that same note, do be wary of the financial schemes that will be/are presented to you and don’t hesitate to run them here to get other points of views. You’ll likely be advertised 3a mixed insurances solutions which, if you have done some reading here, you probably already know are almost never a good investment.
I’m joining @nabalzbhf, here, it sounds like the calculation was made on an insurance plan. Which most nobody here would advise. If (do make your calculations) the tax advantage is worth it, low cost self investing solutions (VIAC, frankly, finpension) are probably worth it.
As a fellow learner by doing, making some mistakes and correcting course on the go, I’d say there’s not much you can loose that would put your future in jeopardy by doing that (though there is indeed some money at stake, which may seem like much right now depending on your current situation). While fees matter, they can be counted as the price of learning, which may be worth much on the long run.
I’d still check that I don’t need those 10K in the short term (like for a rental deposit if you may be moving in the near future, or a downpayment or somesuch) and prepare myself mentally to potentially see that amount loose 60-80% paper worth tomorrow, because it can (though it should recover if you don’t sell. The calm-mindeds get rewarded during downturns).
VT can arguably be all you need. It’s a great start, you can add other funds later if you want, though there is no necessity to that (and as such, you should always know why you are adding another specific fund to your allocation).
Note that there is some uncertainty currently in regards to whether we will still be able to buy US based ETFs next year. Not sure if it would apply to you as a B permit holder. You can keep VT and buy another fund if it happens (there are Irish based equivalents) , or sell and consolidate if needs be. That would also be a good learning experience (which might have you incur some minor costs).
On that note, I’d keep the accounts at IB and Degiro for the time being and see if they apply different conditions for investors based in Switzerland next year. Let the dust settle before picking a winner.