My investment portfolio

Mustachian Post

Last update: May 2021

I keep track of my portfolio updated annually so everyone can understand the changes I've made while investing - including myself!

I have also started testing other investment vehicles in 2019, such as investing in real estate leasing and value investing. You can see what that looks like in the articles listed in the link above.

05.2020 => today

For several years I limited myself to 60kUSD of my favorite VT ETF and bought the VWRL ETF beyond that amount. I wasn't exactly sure how the US estate tax (40% potentially!) Worked. Then I finally got confirmation from a professional that we would be fine. That means, if Ms. MP or I died, we wouldn't have to pay anything to the US tax authorities until our portfolio was worth millions.

That's why my ideal portfolio of 3 ETFs (of the "Bogleheads" type) looks like this from now on:

When I speak of ideal, I mean that I would choose this UBS SMIM ETF if I didn't own any shares in my Swiss-based company (it's not so good if the salary and shares come from the same company!).

As for the money I should have in bonds (as recommended in a bogleheads strategy where you have your age in bonds and the rest in stocks), if I didn't have a second or third pillar then I would have that part of mine Keep allocation in cash (or at worst look for US bonds that still yield 1-2% - but until when ...). Because the current negative bond rates do not appeal to me at all!

Finally, if you have chosen a broker that does not offer the US ETF Vanguard VT, then I recommend that you replace it with the following alternative: Vanguard's Irish ETF VWRL (whose ISIN is IE00B3RBWM25).
N.B. if you have chosen DEGIRO as your broker then consider buying this VWRL ETF on the Amsterdam Stock Exchange (known as EAM or Euronext Amsterdam) as you don't pay any transaction fee :)

11.2016 => today

[1] I don't own this one yet as I still don't have enough international ETFs, but this will be this Switzerland-based ETF that I will buy as soon as possible
[2] My current allocation these days has too much money on bonds. If I needed more of that, I'd keep it as cash anyway until bonds go back above 0%

06.2015 => 10.2016

Update 08/09/2016: I stopped investing after we signed our apartment purchase last summer. The portfolio below had a fairly short-term view with two CHF-backed ETFs. I would no longer recommend a hedge ETF for a long-term perspective.
We'll be back in the market later this year and I'll update this page accordingly.

01.2014 => 05.2015


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