Hello everyone,

I would like to start a discussion about the best #etf s for the #schweiz to start. Let's start with the most important basics:

• Dividends are taxed as income in Switzerland (even for accumulating ETFs). So ultimately it doesn't matter for tax purposes whether you have a distributing or accumulating ETF.
• Access to American ETFsas not a member of the EU and therefore access to significantly cheaper ETF alternatives (e.g. $VT (-5,27 %) ).
• Agreement between the USA and Switzerland reduces the US withholding tax from 30% to 15%. The remaining 15% can be claimed in the tax return for American ETFs.
• In the case of high to very high assets, ETFs with an American fund domicile may be taxed by the IRS for tax purposes.
• In the case of inheritance it could be a documentary/bureaucratic challenge for the surviving dependants with the IRS to transfer the ETFs with American brokers (classic #ikbr ).
• From a tax perspective, Irish ETFs are the most interesting after American ETFs due to the agreement between Ireland and the USA to reduce withholding tax from 30% to 15%. However, the remaining 15% cannot be claimed on the tax return.

For some years now I have been investing in the MSCI World $XDWD (-5,67 %) (World Industrialized Countries) and not too long ago the AC World $XMAW (-4,69 %) (All World). This is because, in addition to my Swiss broker (#saxobank ) and #ikbr my German bank (#consorsbank ) and Amundi and Xtracker ETFs can be saved there free of charge, which would be obsolete due to the low costs of Saxo and/or IKBR. In addition, these are accumulating and I would prefer to save in distributing ETFs. With a TER of 0.19% and 0.25%, these are okay, but certainly not the best ($VT (-5,27 %) or $at 0.06%).

Irish alternatives would be the $WEBG (-4,43 %) (TER 0.7%, distributing, All-World), $UBU7 (-5,56 %) (TER 0.10%, distributing, MSCI-World), $VDEV (-4,45 %) (TER 0.10%, distributing, industrialized countries) or $XDWL (-5,71 %) (TER 0.12%, distributing, MSCI-World and counterpart to my accumulating $XDWD (-5,67 %) ).

Which ETF do you save in if you are a Swiss resident? Which ETF would you save in if you were in the Swiss "luxury" situation?

Hello Quinies...

It's me again. I already introduced myself today and told you a bit about myself. You can find the post here: https://getqu.in/ky5xnt/

The current "anchor" in my portfolio is supposed to be an "All-World". At the moment it's a fund $LU0096426845 (-6,38 %) . With a TER of 2.5% and a management fee of 1.55%, it is quite expensive in comparison. I know that. That's why I want to reallocate the roughly 6K soon.

I've been thinking a lot about what my main position should be now. That's why

I have compared the fund with three ETFs. I would like to find out, and I am also hoping for your expertise, what my value of choice should be now.

a) Vanguard FTSE All-World UCITS ETF USD Dis. $VWRL (-4,62 %)

b) Vanguard FTSE Developed World UCITS ETF USD Dis. $VDEV (-4,45 %)

c) UniDynamicFonds: Global - -net- A EUR DIS $LU0096426845 (-6,38 %)

d) SPDR MSCI ACWI IMI UCITS ETF USD Dis. $SPSA (-4,75 %)

Looking back over five years, I can only compare three, as the $SPSA (-4,75 %) was only launched on

03.07.2024 was launched. However, I will come back to this ETF later.

All of the aforementioned positions invest very similarly in international equities and the top 10 stocks are also very similar. At least that's how I see it.

5-year performance

a) +80,68 %

b) +72,64 %

c) +105,94 %

MAX performance

a) +326,08 %

b) +229,76 %

c) +120,36 %

Ergo, in the long term it pays to switch to ETFs.

So if I now, and this is where the $SPSA (-4,75 %) comes into play, compare the ETFs, here only the period from 05.07.2024 - 24.12.2024 is possible, all three have a very similar performance.

$VWRL (-4,62 %) 8,20%

$VDEV (-4,45 %) 8,44%

$SPSA (-4,75 %) 8,24%

Now comes part 2 of my consideration. The "purchase price".

- $VWRL (-4,62 %) 132.60 euros (TER 0.22)

- $VDEV (-4,45 %) 102.83 euros (TER 0.12)

- $SPSA (-4,75 %) 10.10 euros (TER 0.17)

Conclusion (mine):

If I am not completely wrong and have overlooked another stock market detail, it would therefore be right to invest the money in the $SPSA (-4,75 %) as I can simply buy more shares here and would therefore benefit more from growth.

What do you think?

I look forward to your feedback.

Thank you very much.

Greetings

Daniel

I don't think there is much more growth in the position.

Will be reallocated to $VDEV (-4,45 %)
$TDIV (-4,93 %)
$SEDY (-3,96 %)
$BTO (-8,25 %)
$NSRGY (-3,79 %) .

Where to park €250,000 in the short term?

I need some input for the above mentioned "problem 😅"

I actually won 250k in the Eurolotto on Friday. Now the big question for me is what to do with the money.

I've been self-employed for 4 years and now have a good 6k annual income. My savings rate in ETFs etc is now 3k a month.

I'm 34 and my girlfriend is 33 and we're about to have a child and possibly buy our own home.

TradeRepublic still offers 3.75% on call money, so I would park 100k there until the statutory deposit guarantee is reached, but what do I do with the rest? To another call money or $XEON (-0 %) or $VDEV (-4,45 %) although the investment period is probably too short for the latter.

Thanks for your input

1 year stock market anniversary🎊

Presenting my portfolio today. I have been investing diligently for a year now. Started reading books at the beginning of last year, then started my own portfolio in April.

Briefly about me, 26 years young, married, 1 child (will be 1 next month), own home (just under 2 hectares of land in a small village, just under 300 square meters of living space)

Over the course of the year, I've worked out a strategy that I can sleep well with.

-10k in $XEOD (+0,02 %) as a substitute for daily allowance. (5 net salaries)

-The remaining 20k are divided as follows:

• 35% $VDEV (-4,45 %)
  
• 30% $IUSA (-5,35 %)
  
• 15% $GGRP (-5,6 %)
• 10% individual shares (should become a maximum of 10 shares over the years)
• 5% $EWG2 (-0,53 %)
  
• 5% $BTC (+0,6 %)
  

Savings plans are currently at 300€.

I am very happy with it and for the first year I have achieved a performance of just under 10% (the $XEOD (+0,02 %) is included). I'm happy with it, especially as the first year was more of a discovery phase for me.

I'm open to constructive criticism!

Good morning,

I need your advice. My father still has 10 years until he retires. Do you think it still makes sense to invest? He is not "rich". He would invest without any initial capital and only a small monthly savings installment. As it's his hard-earned money, I'm very worried. I hope you can help us and I am also interested in your opinion.

1. most people recommend a holding period of 15 years for ETFs. Is 10 years until retirement too risky for ETFs? But I mean, you don't have to liquidate your portfolio as soon as you retire.

2. neobroker or direct bank? More precisely TR or Finanzen.net Zero or ING? I find the costs of ING high during the savings phase. But I don't know, is a direct bank "safe"?

3. which ETF? MSCI World or FTSE Allworld? I like the $VDEV (-4,45 %) . Is there anything against it?

And finally, thanks for reading. 😅

The first purchase in 2024 🎉 Road to 100k

Hello everyone,

About me:

I am 19 years old, currently doing a federal voluntary year and working part-time in a skydiving park. I will be starting my apprenticeship as an IT specialist in August.

I started investing last month. There are several reasons why I started. On the one hand, I find the subject very interesting and, on the other hand, I would like to have a source of investment for the future.

Until then, I would like to invest a small amount every month. We are looking at between €60 and €100. I know that's not a lot now, but I hope that I can gradually increase it.

I have chosen 3 ETFs.

$VDEV (-4,45 %)

$VEUR (-5,74 %)

$EIMI (-4,57 %)

I have started investing in these. I do this in a 60/20/20 ratio.

I actually like them very much. The American market has the largest share. I want to keep it that way. There is also a small proportion in the European market, as well as a small proportion from the emerging markets.

If I have a little money left over, I would also like to invest it in individual shares. Personally, I would prefer companies that have paid a relatively consistent dividend in recent years. They also have good equity. These are my thoughts.

I look forward to your opinions, advice and criticism :)