Hi all,
Through regular, consistent investing from a young age, I’ve built a ~$2.1M USD net worth:
~$1.85M in a taxable brokerage (fully invested)
~$250k in a private pension (invested and managed by my company and withdrwabale as I leave the company)
Current allocation (US etfs as they are convenient for me as a Swiss resident as i can reclaim withholding taxes and in Switzerlandwe pay tax on accumulating ucits ets anyways):
70% VT
15% QQQM
15% IBIT
I’m considering simplifying the portfolio by dropping QQQM (i know it overalls woth VT) and increasing VT. Hence 85% VT 15% IBIT. Curious to hear your thoughts on that? Any other opinions for long term growth while being diversified?
Some context:
35 years old
Italian citizen, living in Switzerland
Salary: ~$175k USD
Savings rate: ~$5–6k per month
Job is not very stressful, but I’m getting tired of it as it does t challenge me but I'm also kind of done with the corporate world and ok to jave a slower pace of life.
I’ve followed a FIRE approach for years and technically reached FIRE a couple of years ago.
My goal is to retire and live off the portfolio by ~40 (or slightly earlier).
Given this timeline and risk profile, how would you structure the portfolio?
Looking forward to different perspectives.