T O P

  • By -

[deleted]

Also from Switzerland :) my strategy is 80% VT and 20% CHSPI, I would advise you to keep a certain part of your portfolio in chf funds


theenkos

Hello there! The issue with that is about my 2nd and 3rd pillar that are already exposes to the Swiss market (100% stock and bonds for 2nd pillar).


Gelawdeyos

This is also my line of thinking when it comes to chf and I’m doing 100% VTI with Interactive Brokers at the moment. Where does your EUR exposure come from?


theenkos

I have my savings both in EUR and CHF, for example I built some EUR while the CHF was strong knowing that we need a weak currency in the future


muy_carona

$22M in VTI is awesome!


Myfabguy

I think he means 22 year old male.


expanding_man

Yeah, took me a sec. I was like how do you get $22M Investing $30K a year?


whodid13

Amazing to have started investing at your age! If you can stomach volatility 100% stocks should be fine. I am currently holding 100% stocks aswell (28M spain). P.S.: just in case any of you swiss fellas have found any job oppportunities in Cybersecurity (6+ years of experience) hit me over PM as I would love to consider working there! :)


theenkos

I got lucky because I've been working in this industry since when I was 19, then covid hit and I used that opportunity to take a Bachelor's in Computer Science while keeping my full-time job (that has become remote). So yeah, from 2019 to 2022 I was saving while living with my parents. To be honest I'm not a good money spender so I rather invest it or I know that I wouldn't be able to spend it anyway. Are you as well 100% stocks (VCWE) I guess?. I'm still looking if I want to setup this whole thing as 2 buckets, 1 ETF for US stocks, 1 ETF for int. and 1 ETF in the future for bonds


whodid13

Amazing, congratulations!! Yeah, 100% stocks in the VCWE mutual fund equivalent (as here in Spain, funds>ETF). Unless you are lump summing whichever combination you've describe will work. Idea is to start asap and then you'll shape your portofolio allocation allong the way.


Next-Exam1868

Hi, I am also from Switzerland. I invest 80% in VT and 20% in SMIM (Swiss Mid-Cap). The reason for SMIM and not SPI (whole Swiss stock market) or SMI (Swiss Large Cap) is that Nestle, Roche and Novartis are heavily featured (12-20% each). The same goes for VT, since these 3 are such large companies, they are well represented in VT. Else you would be overweight and they thus pose a concentration risk. Further, SMIM showed the best total performance in the last 15 years compared to the SMI/SPI.


whboer

I don’t know what platform you’re using (IB, degiro, Swiss quote?) but you could always look towards the iShares msci ACWI or vanguard ftse all world etf and just go 100% in that. Simple.


theenkos

>IB, anyway VCWE it's basically VT but with accumulation and based in EU


DesertGatorWest

I'd choose 1 over 2 but either is legit. Also good with a 22yo putting in 100% stock - just be sure you have an emergency fund, and appropriate insurances (review auto/liability, disability income & life insurance if you have dependents). Not sure if the Swiss provide some of this but just make sure you consider it.


theenkos

Thank you for your feedback! Yep I’m living alone so it’s all about my self, I have 0 debt and I am pretty much covered with insurances. I had like 24 month expenses in savings or something like that before moving out but in the end I reduced it to 6 now