I don't see a minimum investment anywhere. Well I gotta write them it seems.

It's Shown on the fund fact sheets
https://www.fundsmith.co.uk/global/eu/fund-factsheet

T class Euro 2000, feeder fund only
T Class £1000

I Class CHF 6 Million
I Class UDS 6 Million
I Class £ 5 Million
I Class Euro 5 Million, feeder fund only

I want the T class, it seems. What are the letters for? I guess "I" stands for Institutions? Any places to get this done in CH?

I is for institutions.
There is no platform in CH to my knowledge.
I have used both UK & Luxembourg to invest in the Fund. The online UK site won't work with a foreign address.
There are only a few hundred clients in Luxembourg, so there is no dedicated customer service person, however you always end up talking to the same person at State Street Bank.

I have also actually considered gold ETF. There are ETFs available by ZKB in the Swiss Exchange both in EUR and CHF. But, if one examines the historical prices of gold... it is not safe (as it is considered) but rather risky. Example: From mid 2011 til now.

You could always live dangerously. Put it all on the Watford vs Burnley game - on Burnley.
If it works out you would have 30 years investments back. If not - start again.
Check out my prediction. And weep.
Ok I have invested 100 chf

Did you work out how much money you would have made? :P

When I posted it was 3 to 1 - now it is 5 to 2.
Odds are dropping.

My 100 CHF were fixed at just over 3 to 1.
Burnley won last night and have just signed their most expensive ever played yesterday.

Worth a flutter.
Used to work for Clearstream on the overnight markets in Luxembourg - this is where you make money - not sure how you join the club.

Dig a hole in the ground and put it there. Zero interest might still beat interest rates in a few years!

Will it only be 100K to invest and leave for your (grand)children or will you have another 100K next year to invest? You were able to save this amount, you may be able to save a similar amount again.

investing it into Fundsmith until it reaches for example the value of the house you are living in. Then it may become a different story. Would you invest 1,000K differently than 100K? it all depends on your objective

I am always advising and employing a hedged approach to investment.

So, in this environment of low interest rates and shaky recovery, one has to take into account the risks and upsides.

If your primary scenario is that the world economy will steadily recover over the next 5 years (mine is), I would invest most of the money in funds that invest in real estate, main European and US indices, selected Asian markets, government and corporate bonds (selected industry). If the economy continues in the path of stable recovery - then these funds will benefit.

At the same time - I would put 10-20% into Gold ETF to hedge against the political/economical risks.. If DJIA/European stocks tumble, gold will compensate for the loss. Plus, you get the dividends from your investments in stocks if everything goes well.

Gold is not a great investment as it does not yield returns, but should always be considered as a hedge.

I am thinking of investing in donkey cheese. Essel Kase.
It sells for about 1000 euros a kilo.
Apparently donkeys are hard to milk - which is why it is so expensive.
If you could find extra ways to make money from the donkeys while waiting for their milk, it would be a bit like a dividend.
Maybe after the last two weeks in america, we end up going back to basic investments and bartering.
Can we hedge against armageddon? Who pays out when you win?

If you want swiss real estate; look at crowdhouse:


https://crowdhouse.ch/en/


They information session regularly in German; you basically buy a part of rental building. Your earn 5 to 7% on the rental income and the upside on the building value when it is sold after 5 to 10 years depending on the building.

Another thing that comes to mind is raspberries. Bloody hell, they are expensive in Coop (almost 4 CHF for 250g, from Spain). Not sure how much of that goes to the primary producer and how much to the middle man (Cold Storage providers). I am definitely thinking about buying some land in Spain and growing this.

Spend it ?

Interesting. But they claim to achieve 4-6% compared to a 1-4% by a real estate fund. If you check SRFCHA (UBS Swiss Real Estate) ETF, it has had a 5.8% annual return since inception (6 years). Am I missing something?

Open up a Toyota dealership in Al-Raqqah.

You seem to know the market. The UBS real Estate ETF is also quite good and liquid. The returns could be higher at this time because the real estate is in high demand with low rates. With crowdhouse you also participate in the building appreciation.

My investments in Fundsmith exceeds the value of the house I live in.

I would not have a problem having 1 million or 10 million in Fundsmith. If Diversification means buying lower quality assets I am not interested.
In both cases you participate in any changes in the market value of the Property, which could easily be negative. Buildings generally depreciate, it's the land value that increases. This should be a warning to owners of flats.

Doesn't diversification ALWAYS come at the cost of also investing in [lower quality] assets with lower return? Otherwise there would always be one single best asset. IMHO diversification is an insurance (with a premium) against the chance that the single best asset will at some point no longer be the best anymore or in worst case it would be a very bad asset to hold. In other words one knowingly puts some eggs into a basket which currently is not he best basket but which would be safe if the best basket is dropped.