1. How do I go about buying these Vanguard stocks listed above?
The portfolio above is too focused on U.K.
I would go 100% Vanguard FTSE All World ETF Index
Yeh the guy who gave us the example said this was based on a British international teacher who was thinking of maybe retiring there. He was saying that is kind of a personal choice based on currency and where you might want to be. His key take home message was:
Create a Diversified Portfolio of Low Cost Exchange Traded Index Funds
(British) stock index
Global stock index
(UK) bond index
Annual costs: 0.15% each year
No capital gains taxes to pay
But I am not sure about Switzerland?? Would I have capital gains tax to pay?
2. Should I buy a Swiss Gilt/Bond since I live here now or should I buy an Irish one?dividends.
As you are still young, I would go full equities, so no bond. This also depends on the risk you are willing to take. Answer to this survey https://personal.vanguard.com/us/FundsInvQuestionnaire to find the best allocation.
Yes I think I would probably go 70% global stock index, 20% national stock index (BUT which one???) and 10% national bond index (but again WHICH ONE??)
If I want to go with the above allocation, what ones should I go for?
3. What broker platform is best to do this with?
Swissquote or Cornertrade, if you would like a swiss platform. In your case with an investment of only 1000.- a month, I would advise Swissquote, they offer a 9.- flat fee for all ETFs traded on the SIX. Why not invest 2000.- every two months ?
Here I am lost... What is the difference? And I thought the whole point of investing in a stock INDEX fund was that you don't have to be trading and managing the fund? You just buy it and hold onto it for a long long time. Would I have to physically go onto Swissquote or Cornertrade every 2 months and just click "buy" on the same stocks I had originally bought? (the 3 indexes listed above)
4. Should I keep paying into my 3a pilier accounts listed above or close/transfer them somewhere else?
Check the current fee and return. Postefinance offers a passive fund with 0.92% TER with high equities allocation.
If you're planning to retire early (40-50 years old), I would not invest in 3rd pillar.
The website Obermatt has made an excel sheet to find out if the 3rd is a good investment.
Thanks for this. I invested in the 3a pilier 2 years ago just to put my savings somewhere really! I got about 600-800CHF tax back which seemed like a good return to me but maybe I should just close it altogether and invest it in stocks instead?? But if I do this will I be charged to take the money out? Can I even do this? Or is that 15000CHF I have put in now there until I am 65? I've heard I can withdraw it if I leave the country? Is that right?
5. I guess a key thing I need to work out is HOW and WHERE to invest in the stocks from:
So if go with Cornertrade or Swissquote lets say, do I pay them a fee for using their platform and if so, how much?
If I only want to invest in the 3 things above: national index fund, global index fund and a national bond index - how do I know which ones to buy if it just me doing it? How do I ensure I am buying an index fund and not other ones?
As you can see... I am a beginner here so dumb it right down for me!! Thank you