My ETF investment portfolio

Last update: May 2021

I keep track of my portfolio yearly updates so that everyone can understand the changes I made throughout my investing journey — including myself!

Also, since 2019, I have started testing other investment vehicles such as real estate rental investing and value investing. You can see what it 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 I bought the VWRL ETF above that amount. Indeed, I wasn't completely sure how the US estate tax (40% potentially!) worked. Then, I finally got a professional's confirmation that we would be fine. That is, if Mrs. MP or I were to die, we would have nothing to pay to the US tax authorities until our portfolio was worth several millions.

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

ETF ISIN Symbole Percentage of portfolio
Vanguard Total World Stock ETF US9220427424 VT 53%
UBS ETF (CH) SMIM (CHF) A-dis CH0111762537 SMMCHA SW 13%
Money of my 2nd and 3rd pillars n/a n/a 34%

When I say ideal, I mean that if I didn't own shares in my Swiss-based company (not so good to have a salary and shares coming from the same company!), then I would opt for this ETF UBS SMIM.

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 shares), if I didn't have any second or third pillar, then I would keep that part of my allocation in cash (or at worst, I would look for US bonds that still yield some 1-2% — but until when...). Because the current negative bond rates don't tempt me at all!

Finally, if you have chosen a broker that does not offer the Vanguard VT US ETF, then I recommend that you replace it with the following alternative: Vanguard's Irish VWRL ETF (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 won't pay any transaction fee :)

11.2016 => today

ETF ISIN Symbol Percentage of portfolio
Vanguard Total World Stock ETF (up to 60kCHF max) US9220427424 VT 55%
Vanguard FTSE All-World UCITS ETF (for money above 60kCHF) IE00B3RBWM25 VWRL 55%
UBS ETF (CH) SMIM (CHF) A-dis [1] CH0111762537 SMMCHA SW 13%
My 2nd and 3rd pillars' money [2] n/a n/a 32%

[1] I don't own this one yet as I still haven't enough international ETFs, but that'll be this Swiss based ETF that I'll buy as soon as I can
[2] My current allocation has too much bonds' money nowadays. If I'd need more of it, I'd anyway keep it as cash, until bonds' rise up again above 0%

06.2015 => 10.2016

Update 09.08.2016: I stopped investing after our home purchase back in summer last year. The portfolio below had quite a short term view with two CHF hedged ETFs. I wouldn't recommend an hedge ETF anymore for a long term perspective.
We're going to be back into the market later this year, and I will update this page accordingly.

01.2014 => 05.2015

ETF ISIN Symbol Percentage of portfolio
iShares Core CHF Corporate Bond (CH) CH0226976816 CHCORP 40%
iShares Swiss Domestic Government Bond 7-15 (CH) A CH0016999861 CSBGC0 20%
iShares Global High Yield Corp Bond CHF Hedged UCITS IE00B988C465 GHYC 10%
iShares SMI (CH) A CH0008899764 CSSMI 10%
iShares MSCI World CHF Hedged UCITS ETF IE00B8BVCK12 IWDC 20%

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