In Switzerland, many employers offer a choice of different pension savings plans. The contribution rates and the split between employer and employee vary depending on the pension fund and the employer.

In the basic plan, for example, the employer and employee split the contributions 50:50. In a savings plan, the employee voluntarily contributes more.

💰 The advantage: Higher pension fund contributions reduce taxable income and result in tax savings.

📈 The disadvantage: Pension funds often generate comparatively low returns. In the long term, therefore, investing independently in ETFs may be more worthwhile despite the lost tax savings. Last but not least, there is also a political risk, as future political reforms could change the framework conditions for pension funds and thus retirement planning.

🎯 My decision: I’ve opted for the basic plan and am now investing the saved contribution myself in the $VALU (-0,37%)
ETF. I hope this will yield a higher return in the long run.

💬 How do you handle this? Do you make additional pension contributions for tax optimization, or do you prefer to invest in ETFs on your own?

#Schweiz
#Pensionskasse
#BVG
#Altersvorsorge
#ETF
#VALL
#Investieren
#Steueroptimierung
#Vermögensaufbau

I'm tracking the new Vanguard FTSE All-World All Cap UCITS ETF $VALU (-0,37%) with great interest. Not because I don’t currently own a global ETF, but because it could significantly simplify my portfolio.

I’m currently invested in:

• $VWCE (-0,28%) for global equity exposure
• $VHYG (+0,12%) for additional dividend exposure
• $XMME (-0,17%) for emerging markets

That works well, but to be honest, I’d prefer a simpler approach. The fewer holdings, the easier it is to rebalance, keep track of things, and stick to a long-term savings plan.

That’s exactly why I find the $VALU (-0,37%) so exciting.

By combining large-cap, mid-cap, and small-cap stocks worldwide, it covers virtually the entire investable stock market in a single ETF (approx. 98–99%). For me, that would be a much more elegant solution than investing in multiple ETFs at the same time.

The only catch: With Yuh , the $VALU (-0,37%) not (yet) available. 😅

That’s why I’m currently wondering whether I should just stick with my existing positions and wait for it to be listed. For me, switching would mean less complexity above all—and not necessarily chasing that last decimal point of return.

I’d be interested to know:

Would you keep multiple ETFs running or consolidate everything into a single all-cap ETF over the long term? And do you think Yuh will add VALU soon?

I'm tired of waiting it out. $APP (+3,73%) Sold and $VALU (-0,37%) invested. -59%, but fortunately only 0.3% of the portfolio. All small positions are being closed.

Today I tidied up my ETF portfolio a bit.

I had several ETFs with overlapping holdings and wanted to simplify things. So I sold two smaller ETF positions and replaced them with the Vanguard FTSE Global All Cap UCITS ETF (Acc) . 🌍

My reasoning behind this:

✅ Broad global diversification

✅ Large, mid, and small caps

✅ Developed and emerging markets

✅ Dividend reinvestment

✅ Fewer unnecessary overlaps in my portfolio

I started with €300. I deliberately kept the rest as a cash reserve .

My current goal isn’t to keep adding more and more positions, but to make my portfolio simpler and more organized .

What do you think of the Global All Cap? Would you rather hold a single global ETF or combine several ETFs? 👇

This is not investment advice—just my personal portfolio decision.

#ETF
#Vanguard
#Investieren
#Depot
#Langfristig

I'm thinking about buying the new ETF $VALU (-0,37%) . What do you think of it?

I sold the regular one $VWRL (-0,27%) one, I sold it—hopefully that wasn't a mistake

$VALU (-0,37%) or the one with dividends $VALLD (-0,36%)

I'm thinking about whether I should invest my money there now and $VWRL (-0,27%) sell it

Hi, Vanguard has now launched a global all-cap ETF $VALU (-0,37%) (similar to the MSCI ACWI IMI) that invests in 10,000 stocks and has a TER of just 0.07% (half that of the All-World fund). They’ve also launched a global small-cap index $VSMU (-0,27%) with a 0.22% TER. There wasn’t a comparable index for the second one yet, was there? I only know of the MSCI World Small-Cap, which invests in developed markets.