Your state pension is useful to include in your individual wealth planning as an element that will provide income in retirement in the form of an annuity.
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In order to avoid the overpriced European big caps, some ETFs covering Germany, England or broader capitalization seem more attractive.
We strongly recommends physical ETFs, even if in some exceptional cases, synthetic ETFs may be more appropriate in certain circumstances.
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Pension in Switzerland
If you are concerned about the declining attractiveness of your retirement system, it is possible to adopt a more individual approach to retirement planning by building a diversified equity portfolio over time.
You should assess US or Irish domiciled ETFs based on your situation and which will return the dividends from the underlying stocks in the most tax efficient manner.
Regardless of your age, dental insurance that covers at least part of the preventive costs seems to be a good solution.
The basic rules of the markets will hold true beyond any investment model: the importance of diversification, mean reversion of returns over the long term, and the difficulty of creating alpha in public markets.
While stocks suffer in the event of extreme inflation, they still offer acceptable protection in the event of limited inflation. Make minor adjustments but do not deviate from your investment objectives.
In times of low interest rates, structured products attract investors with comparatively higher returns, but there is also the threat of painful losses.
Buying a “developed world” ETF today means gaining massive exposure to highly valued growth stocks.
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