[spark]

I tested the permanent portfolio on this thing, it indeed has a yield of about 9% per year.
It's not bad except that not all ETFs are there. You should see with your portfolio by adding a gold mining ETF or physical gold. Although physical gold in ETFs... I don't believe in it much.

Maybe by adding a global bonds ETF.

Sincerely

[spark]

Hi Jerome

I will look at your ETFs, I was also looking for some ETFs based on dividends.
If it can help, there is here etf tester to do a back test. It's free, 5 etf max for a portfolio and setting of the % of each etf in the portfolio. They are not all there but we can ask to add them
http://www.etfreplay.com/backtest.aspx

[spark]

Hello Jerome,

A pretty interesting concept in the long term – Harry Browne’s permanent portfolio in ETF (4 ETFs are enough). The portfolio has made +8 to 10% per year since 1972 with a very small loss in 2008 – 2009.

http://personalmba.com/permanent-portfolio/

[spark]

Good morning,

I think it is interesting to hedge with corporate bonds on diversified monetary zones.
For now it seems wiser to eliminate government bonds and financial obligations.

These two ETFs offer corporate ex-financial

iShares Barclays Capital Euro Corporate Bond ex-Financials (EEXF): http://uk.ishares.com/en/rc/products/EEXF
iShares Markit iBoxx £ Corporate Bond ex-Financials (ISXF): http://uk.ishares.com/en/rc/products/ISXF

To have diversification in the US zone,

Vanguard Short-Term Corporate Bond ETF (VCSH): https://personal.vanguard.com/us/funds/snapshot?FundId=3145&FundIntExt=INT#hist=tab%3A2
This ETF includes financials but it is a short term. Given the visibility of the sector currently I think it offers a good alternative. His portfolio seems well balanced.

Sincerely

[spark]

Hi Jerome

I'm looking at your short list

There is also this tool http://etf.stock-encyclopedia.com/category/high-dividend-etfs.html

you also have a screener on reuters here http://funds.us.reuters.com/US/screener/screener.asp?reset=1

Sincerely

[spark]

For info there is a tool that seems correct to me here http://money.usnews.com/funds/etfs/equity

Sincerely

[spark]

Hello Jerome,

What are your selection criteria for these ETFs?
And how does Swiss taxation work on these products?

[spark]

Hello Jerome,

I was thinking mainly about Vanguard index ETFs. There are one or two that track S&P indices, including one that tracks the S&P 500 dividend aristocrats. The other types of ETFs are more like mutual funds, where the manager chooses what he wants. These ETFs obviously expose you to a possible disaster if the manager overloads with companies that suddenly no longer pay a single dividend.

Sincerely

[spark]

Thanks for this info
On the other hand, I think you still have to build the positions gradually for the smoothing effect.

Maybe also see some vanguard etfs with reduced fees

Sincerely

[spark]

BCV still offers TradeDirect.

I think I will follow the long-term investment with reinvested dividends. But being already 54 years old and having some health problems, it is clear that time is important to me. BCV is solid indeed.

On the other hand, according to what you told me about taxation in Switzerland, (unless I am mistaken) let's suppose that I have a line of 5000 euros on an English title with a yield of 4%. I will receive a dividend of 200 euros less the 15% taken at the base, therefore 170 net to which a levy of 15% will be applied in Switzerland, i.e. 144.50 all levies deducted.

It could take a considerable amount of time by reinvesting so little per year, right?

Sincerely

[spark]

There is Lynx in Belgium, very good rates but it is only a broker (in case of bankruptcy what about the positions) and as it is Belgium it is still different on dividends. I have been racking my brains with this for a while but there is nothing really ideal.

Sincerely

[spark]

Thanks for the info,

I looked at these rates on a cantonal bank (rates from trade direct.ch)
http://www.tradedirect.ch/media/pdf/tradedirect/fr/tarif_tradedirect.pdf
On the Euronext 19.90 from 0 to 2000 euros it seems a lot what do you think?

Should portfolio line builds be done in small increments over time rather than a one-time purchase?

What is Bond proxy?

Sincerely

[spark]

It's a real gas factory.

In view of the changes underway, is it not better to be subject in all and for all to the Swiss advance levy which gives an average of 30 % and some. It is true that it seriously weighs on the reinvestment of dividends if we add the commissions and possible custody fees.

Sincerely

[spark]

Which represents approximately 30% if we do not declare in Switzerland I suppose.

Sincerely

[spark]

Good morning,

It still seems to me that we should try to diversify the sources of dividends in monetary terms. I heard an interview yesterday with Delamarche who advised this diversification given the current turbulence. Anything in USD or Euro can present a danger in the event of a currency crash.

What do you think?

Sincerely

[Author]

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