My current asset allocation

My ex firmly believed in keeping most cash in a savings account (which bore no interest at all), but I was able to convince him to keep some of it in 3rd pillar accounts (there are certain tax advantages in doing this) while we were married.

After my divorce, I took a closer look at where else I could allocate and diversify my cash into. I opened an investment account with Yova (read my review here) as a start.

At the moment, my asset allocation is still largely in cash and 3rd pillars, while less than 10% is in ETFs and stocks (via investment accounts) and a tiny percentage in crypto.

It is a fairly intuitive concept to not keep all your proverbial eggs in one basket when it comes to increase one’s wealth, especially considering that I, as a woman, will face a considerable pension gap. In addition, one in three people born today are now predicted to live beyond 100, which means that even increasing contributions to workplace pensions isn’t necessarily enough to ensure a comfortable retirement, according to Axa Investment Management. Further, given the low or even negative interest rates for Swiss savings accounts and inflation, it hardly makes sense to keep money in the bank.

Thus, the sensible strategy is to pursue a “multi-asset strategy.” A “multi-asset strategy” combines different types of assets, such as stocks, bonds, real estate or cash to create a more nimble and broadly diversified portfolio. It’s often used as a buzzword with fund managers, but can also be applied to the DIY investor.

At the moment, for me, this means to continue investing into my Yova and Selma investment accounts, as well as cherry-picking stocks through my brokerage account Degiro and using some “fun money” in crypto as well as lending out money for real estate deals. By mid-year, I foresee that my asset allocation will have a much better balance.

What does your asset allocation look like?

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