This is my first post after reading you for a long time so let me introduce myself first. I am from Spain, 34 years old, married with 2 kids, leaving in Schaffhausen since Oct 2017, 250K NW, 50-55% savings each month.
In 2019 and for the first time I invested the maximum amount in VIAC 100, same for 2020. For 2021 I am not sure whether deposit the full amount on the same portfolio for the third consecutive year or create a individual strategy, I was thinking on 20% SMI, 20% SPI Extra, 47% World Ex CH and 10% EM. I plan to stay in Switzerland until retirement and my idea is to have 5 3a portfolios to enable a staggered withdrawal.
Which is your VIAC individual strategy?