Super congrats for the continued progress! :) Question: if you simply want dividend in CHF, would you pick stocks with good dividend yield (+ some growth) like zurich insurance, novartis, swiss life oder would you rather get an etf like chdvd or the one on spi? At the moment i am picking single stocks, but unsure if I should rather opt for the etf. Because chdvd has only 20 values. I could simply buy that myself and safe the TER of the etf. But with single stocks i have bigger risk of one stock dropping like credit suisse. What are your thoughts regarding this?
Very good question. For our daughters, we are saving in CHDVD as this has the better performance of the 2 ETFs you mentioned (CHSPI and CHDVD; I made a couple of video's about those but the last one is this one: th-cam.com/video/VN9WUcFNOKw/w-d-xo.html ). CHDVD is great, but investing in individual stocks is always more exciting, but as you say comes with more risk, in this way I regard the TER of CHDVD as the fee to lower the risk. UBS is also not in this ETF, which is in my eyes a good thing (their dividend is also in USD, which is stupid for a swiss stock. Even Shell and Unilever pay out euro's in Amsterdam and Pounds in London, so why does UBS not do that???). I try to stay away from banks, but ING is maybe an exception in the future. Credit Suisse was really unfortunate, as it was highly undervalued, but the managment screwed up and wasn't able to turn the perception around. Now UBS has to deal with the mess they took over (and they are quick in doing it). In the YUH-portfolio I'm trying to pick up the shares at a good value. I'm a value investor and like individual stocks, but for my daughters the CHDVD is the definitely the best way to go. But it is important to note that when I was young I only had stocks, as I got older I started to lean more towards ETFs and since we live in Switzerland we do the Core Satellite strategy. Now our division is 900 CHF in ETFs and 200 CHF in stocks per month. So the risk from our individual stocks is also lower. I recently started with the Yuh-portfolio to show that investing with only 200 CHF/month can also deliver you with a nice dividend portfolio after a while. Many people think that 200 CHF is too little to begin with, but I want to show that they are wrong :-). Thank you for your question, Joris
Super congrats for the continued progress! :)
Question: if you simply want dividend in CHF, would you pick stocks with good dividend yield (+ some growth) like zurich insurance, novartis, swiss life oder would you rather get an etf like chdvd or the one on spi?
At the moment i am picking single stocks, but unsure if I should rather opt for the etf. Because chdvd has only 20 values. I could simply buy that myself and safe the TER of the etf. But with single stocks i have bigger risk of one stock dropping like credit suisse.
What are your thoughts regarding this?
Very good question. For our daughters, we are saving in CHDVD as this has the better performance of the 2 ETFs you mentioned (CHSPI and CHDVD; I made a couple of video's about those but the last one is this one: th-cam.com/video/VN9WUcFNOKw/w-d-xo.html ). CHDVD is great, but investing in individual stocks is always more exciting, but as you say comes with more risk, in this way I regard the TER of CHDVD as the fee to lower the risk. UBS is also not in this ETF, which is in my eyes a good thing (their dividend is also in USD, which is stupid for a swiss stock. Even Shell and Unilever pay out euro's in Amsterdam and Pounds in London, so why does UBS not do that???). I try to stay away from banks, but ING is maybe an exception in the future. Credit Suisse was really unfortunate, as it was highly undervalued, but the managment screwed up and wasn't able to turn the perception around. Now UBS has to deal with the mess they took over (and they are quick in doing it).
In the YUH-portfolio I'm trying to pick up the shares at a good value. I'm a value investor and like individual stocks, but for my daughters the CHDVD is the definitely the best way to go. But it is important to note that when I was young I only had stocks, as I got older I started to lean more towards ETFs and since we live in Switzerland we do the Core Satellite strategy. Now our division is 900 CHF in ETFs and 200 CHF in stocks per month. So the risk from our individual stocks is also lower. I recently started with the Yuh-portfolio to show that investing with only 200 CHF/month can also deliver you with a nice dividend portfolio after a while. Many people think that 200 CHF is too little to begin with, but I want to show that they are wrong :-).
Thank you for your question,
Joris