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@pkumom2016 If you want the global bit a quality factor ETF like IWQU will beat VT over long time periods. High quality sectors like consumer staples, technology tend to remain high quality, whereas low quality ones like financials, airlines and energy tend to remain low quality so there isn't...

@mbch Well if you are 30, that's 35 years of poor performance. If it appreciates at 1% a year you have will only have a 41% performance in those 35 years. If it grows at 5% in the stock market, you get 550%.

@crownfair Fellow Brit here. The only real wrapper here is pillar 3a (sometimes just called pillar 3). That's limited to approx 7k CHF a year. You need have taxable (self)employment income to take advantage of that. It's basically like a SIPP, but with more limited investment options. But you...

@sunshine8 He has to file a tax return (married to a Swiss citizen) so should consider it if working.

@paul234 That VTI is both lower TER and similar historical performance (the 5 year is almost identical). Sure but one country bets are inherently more risky. I do accept however that VTI and forget is absolutely a good and possibly even better alternative to IWQU. Perhaps that can be my...

@paul234 Im not the one equating VTI and VT

@paul234 Sadly I'm 35. VT 5 year performance is 45%. IWQU is 73%.

@paul234 Absolutely destroyed VT over just about any time period. Quality factor not only has better performance historically but also in most periods simultaneously lower voltality. Is that kind of sortino ratio difference worth paying 0.2% for? See...

@paul234 I don't get VT and buying the cheap crappy end of the market. IWQU and forget.

@godsgirl12 Only because the yen is collapsing!

@tobiahjude99 All in on QQQ isn't a bad idea.