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@bod2411 That is correct. Since retirement is far away, I didn’t research it enough. The common tenor is to go for dividends when retiring. Nevertheless is it probably better to let them pay you the full 2nd pillar and invest it into dividend yielding things.

@bod2411 Since they are retired they don’t have any income and therefore will pay very little on it. For me personally it’s more diversification (it’s not like 3% yield is huge) but the overlap between VOO and SCHD is super small.

@escuej1 I mean if performance doesn’t matter you could also check out a REIT like $O. They pay consistently dividends (monthly even) at around 5.5-6% with current price. Performance has broken down a bit since COVID and inflation + interest hike.

@escuej1 I prefer SCHD (I invest monthly 33% VOO, QQQM and SCHD) SCHD did 50% past 5 yrs while VHYL did 10%

@strobertofsalzburg I mean they could totally invest into some nice dividend ETFs. Seeing how easy that is you can even help them set it up. These ETF are very stable and pay out a decent dividend that helps cover the loss of income. There would also be bonds for super stable income.

@jimbigheart Can you elaborate on this? Where would I find it on IB? All I see points in the direction that they don’t provide this service (although the infos I found online were from some years ago). Thanks!

@sdb There is no CGT in Switzerland (at least as long as you don’t qualify as a professional investor)

@erbard1 I have US blue chips, European blue chips, nasdaq100, global high Div and European high div. However in hindsight, I think you might roll better with sticking to ETF in CHF as there is a 0.95% conversion cost (plus of course 0.5$+0.65% of buying value) so basically the first 2% are...