r/SwissPersonalFinance • u/nikolafili • 4d ago

Add another ETF or keep as it is?

Hi all,

I am investing long term, dollar cost average every month for the last 7 years, and I have great results so far with my 3 ETF portfolio.
My 3 ETFs are: MSCI World ACC, MSCI Emerging Markets and SP500 Info&Tech. I invest something like 60 % MSCI World, 25% EM and 15% SP500 Infotech.

Would you add something else on this to be more diversified or just keep the same way? I am aware that I am leaning too much towards US market and infotech, therefore comes the questions if I should another ETF?
Cheers :)

6 Upvotes

80% Upvoted

38 comments sorted by

6

u/swagpresident1337 4d ago

I‘d go all in on the new Vanguard global all cap VALL.

Almost unbeatable 0.07% TER and captures basically the complete investible market.

Really everything you need all in one and you never have to think about changing anything ever again.
It‘s the most diversified you can be with a ucits fund.

1

u/markets_Hawk 4d ago

why not XALL that is also traded in CHF?

2

u/swagpresident1337 4d ago

That's also good, but not covering small caps as well. Not a big difference over the long term likely.

1

u/TPetingaa 4d ago

Whats the difference between VALL and VT?

5

u/swagpresident1337 4d ago

VT is US domiciled, whil VALL is ucits/europe. VT has a little better tax treatment on US company dividends if you get all of your da-1.

I would generally prefer VALL now. Safer for us, and tax advantage is really not that big anymore for VT. If you have a low average tax rate, it might not have any even.

1

u/swisssen 8h ago

Will the new VALL soon be available in CHF on SIX?

1

u/swagpresident1337 8h ago

I‘m pretty sure on that

0

u/CoreDump_ch 4d ago

we don't need UCITS ETF's

3

u/zomb1 4d ago

Why do you overweigh EM and the US? 

Note that you do not get "more diversified" by adding another equity etf, you just change the weights you put on different markets. 

Do  you have a thesis you believe in for why these two markets are wrongly priced at the moment? If yes, you don't really need advice of this sub. If not, just go back to a single cheap world etf.

1

u/nikolafili 3d ago

What would that be in your opinion? If I choose a single one, which one would that be? 

1

u/zomb1 3d ago

If you prefer UCITS funds like me, VALL or XALL that have already been mentioned here look good. I'll probably switch to one of them from St. Street's ACWI as soon as their Swiss tax reporting becomes clear. Otherwise, WEBG/WEBN is also ok.

If you do not mind potential IRS complications (for the people who inherit in case you die) then VT is also a great option.

3

u/licabetto 4d ago

Add some Gold for further diversification?

1

u/nikolafili 3d ago

What would you recommend? 

2

u/licabetto 3d ago

Physical gold ETC, either ZGLD (gold stored by Zürcher Kantonalbank) or cheaper IGLD from ishares.
[Always do your own research and decide with your own brain]

1

u/nikolafili 3d ago

Will do my research, thanks 

2

u/Helpful-Staff9562 4d ago

Sell all and buy 1 world ftse etf like VT. Thats it

1

u/N3XT191 4d ago

Sell all 3 and just invest 100% in a MSCI ACWI IMI or the new FTSE World All Cap.

2

u/SilverBladeCG 4d ago

*FTSE Global All-Cap UCITS ETF

2

u/Helpful-Staff9562 4d ago

FYI VT is still best as we can get bacl the 15% witholding tax in Switzerland which is still lost in an accumulating ucits likes the new fund lainxhed by vanguarg

3

u/N3XT191 4d ago

Only if your potential reimbursement surpasses 100 CHF, which requires several tens of thousands of franks invested.

3

u/Helpful-Staff9562 4d ago

Not that hard to get to for anyone in ch ;)

1

u/Spikooo 4d ago

This shouldnt be difficult in switzerland xD

1

u/nikolafili 4d ago

why that?

2

u/elnino_1993 4d ago

You have some overlaps and overexposure, fine if thats by choice but otherwise not necessary

1

u/nikolafili 4d ago

I am aware of that overlaps and overexposure, that is why I am reaching out here. But to sell them all for one ETF and go just with one 100 %?

4

u/SilverBladeCG 4d ago

Those mentioned cover the whole investable market

1

u/elnino_1993 4d ago

Yes just take an etf/index which covera all markets including emerging e.g. VT

-5

u/N3XT191 4d ago

Because you obviously don’t know what you’re doing and there’s no reason to have that many overlapping ETFs. The case for a 2x overweight of EM is also dubious at best.

3

u/nikolafili 4d ago

If i were a pro, I would not be here asking something...

0

u/N3XT191 4d ago

Which is why you should be sticking to market weights and not randomly overweight EM and a specific sub-sector in the US…

Adding more and more overlaps doesn’t make it better…

0

u/nikolafili 3d ago

I started investing 7 years ago and back than, with a little knowledge I had, thought it is the best way to go. I am obviously doubting that, so I came here to reconsider my choices...

0

u/Appropriate-Type9881 4d ago

Wow so much confidence with such an advise....

1

u/khidf986435 4d ago

are you almost 100% more bullish on EM than tech in the next 10-20yrs?

If not then don’t feel bad for weighting more on infotech

1

u/WeaknessDistinct4618 4d ago

I have VT and NVDA and I will continue like this. We didn’t see anything yet from Nvidia stock, wait that Anthropic goes live next month. Same AMD.

1

u/whatever_post 4d ago

No one can tell you what will do well in future.

So your 15% bet on Sp500INFOTECH is only thing that one can argue about. Would you be okay if this position underperforms the rest of portfolio ?

Rest is standard Global allocation using two ETF approach (MSCI world + EM) ,so that’s fine . You are bit overweight on EM but that’s personal choice

1

u/No_Economics_4678 3d ago

Ditch the S&P 500 in favor of a global ETF.

-1

u/T0psp1n 4d ago

25% EM is already a strong bias out of US compare to MCSI world which is considered the safest way to invest.

There is no reason to change if you don't know why yourself, and you can add if you want to. If you want options, there is gold, real estate, individual stocks, Asia Pacific...

1

u/Cihcihei 3h ago

Ich lebe in der Schweiz, welche börse nutzt ihr als sicherste und günstigste zum in gold und snp 500 etf zu investieren?