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@georgehay 1) Yes OK split but would suggest to remove S&P500 and keep only international VT (already includes 60% S&P500) 2) USD ETFs are good on IBKR. No point having CHF or EUR because the underlying stocks are already in USD for most. CHF ETF will not protect you from currency risk (unless...

@lauriluillier Not much, in hindsight the only time I ever needed this was when I had to purchase a car.