I (30M) have 180k CHF (excluding 3a pillar and 2nd pillar)
I save like 4k/mo.
Using IBKR
I have spread my investments as so:
20k P2P lending
70k S&P500 ETF
20k Total International Stock market ETF ex-US (VXUS)
30k play money in stocks, which i put in 2-3 companies that i think might be interesting
40k cash in bank
I don't plan to grow the play money or the p2p, but rather split 80/20 in the 2 ETF.
1-Is it a a ok split?
2-Should I care about the ETF being in USD and maybe switch to CHF ETF? or Euro ETF?if so, which ones would you recommend.
3-Is IBKR the best broker choice ?
4-Which ETF would you recommend for Total Stock Market, S&p500 and Ex-US exposure in IBKR?
5-Should I just consider my 2nd pillar the safe part of my pie for now and only migrate out of stocks/ETF after 50s? (3.5% return guaranteed as company has to fund it if they don't achieve it)
6-What are methods for reducing wealth tax? Any tax optimizations i should pay attention to?
7-Something I am missing?
Edit:
interest rate of 2nd Pillar 3.5%
Can't move cantons because of life objectives.
Using a Finpension 3a
I save like 4k/mo.
Using IBKR
I have spread my investments as so:
20k P2P lending
70k S&P500 ETF
20k Total International Stock market ETF ex-US (VXUS)
30k play money in stocks, which i put in 2-3 companies that i think might be interesting
40k cash in bank
I don't plan to grow the play money or the p2p, but rather split 80/20 in the 2 ETF.
1-Is it a a ok split?
2-Should I care about the ETF being in USD and maybe switch to CHF ETF? or Euro ETF?if so, which ones would you recommend.
3-Is IBKR the best broker choice ?
4-Which ETF would you recommend for Total Stock Market, S&p500 and Ex-US exposure in IBKR?
5-Should I just consider my 2nd pillar the safe part of my pie for now and only migrate out of stocks/ETF after 50s? (3.5% return guaranteed as company has to fund it if they don't achieve it)
6-What are methods for reducing wealth tax? Any tax optimizations i should pay attention to?
7-Something I am missing?
Edit:
interest rate of 2nd Pillar 3.5%
Can't move cantons because of life objectives.
Using a Finpension 3a