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Old 12.03.2020, 20:33
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lazy portfolio ETFs and ETF providers

Hi,
I found this site:
http://www.lazyportfolioetf.com/

and I believe it could help to define some kind of investments portfolio

On a different thread , somebody suggested me to invest using Internet Brokers(IB) but I realised that the ETF providers available in IB could not match the some lazy portfolio profile, for example, this lazy portfolio:
http://www.lazyportfolioetf.com/allo...t-burns-couch/

includes:
Vanguard Total Stock Market
iShares TIPS Bond

The 2 ETFs above are not available on IB which offers the following ones instead:

https://www1.interactivebrokers.com/...ex.php?f=25275
Aberdeen Standard ETFs
ACSI ETFs
Cambria ETFs
Eaton Vance NextShares Exchange-Traded Managed Funds
ETF Securities ETFs
Global X ETFs
Infrastructure ETFs
Legg Mason ETFs
O'Shares ETFs
Reality Shares ETFs

So the question is:
do you suggest to find another brokarage firm similar to IB where it is possible to buy those specific ETFs or should I find(adapt) similar ETFs from the list offered by IB? After all ETFs tries to replicate indexes so I should be able to find something similar ...but I am not sure.

Thanks.
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Old 13.03.2020, 15:44
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Re: lazy portfolio ETFs and ETF providers

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includes:
Vanguard Total Stock Market
iShares TIPS Bond

The 2 ETFs above are not available on IB which offers the following ones instead:
What do you mean?

First one is this, and definitely available at IB (I own it): VTI - https://investor.vanguard.com/etf/profile/VTI.
But since you don't live in the US (but also not only because of that) you might want to consider diversifying regionally, as VTI is only US.

TIPS is very specific, and US only again - "Inflation-protected U.S. Treasury bonds" - not sure why would you want explicitly that one.


You could simply use VT & BNDW to have a whole world stock + bond mixture.
https://investor.vanguard.com/etf/profile/portfolio/vt
https://investor.vanguard.com/etf/pr...portfolio/bndw

Or get more specific (US vs exUS vs EM) if you so wish.


P.S. 50-50 split is very conservative, depending on what age and risk hunger you are.
Plus bonds have miserable returns today, so reconsider...
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Old 13.03.2020, 18:33
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Re: lazy portfolio ETFs and ETF providers

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What do you mean?

First one is this, and definitely available at IB (I own it): VTI - https://investor.vanguard.com/etf/profile/VTI.
But since you don't live in the US (but also not only because of that) you might want to consider diversifying regionally, as VTI is only US.

TIPS is very specific, and US only again - "Inflation-protected U.S. Treasury bonds" - not sure why would you want explicitly that one.


You could simply use VT & BNDW to have a whole world stock + bond mixture.
https://investor.vanguard.com/etf/profile/portfolio/vt
https://investor.vanguard.com/etf/pr...portfolio/bndw

Or get more specific (US vs exUS vs EM) if you so wish.


P.S. 50-50 split is very conservative, depending on what age and risk hunger you are.
Plus bonds have miserable returns today, so reconsider...
Hi dbucar, thanks for your feedback.

My doubts were more about how to find a broker for ETFs ,being a Swiss resident that would allow me to invest in lazy-portfolios available on the internet.

After some additional research I would need to clarify the following points:

1 - probably http://www.lazyportfolioetf.com/ is not the right source of information for investors residing in switzerland as the ETFs there are mainly American
2 - I should find out whether there is a similar website for investors in CH
3 - is it better to use a CH broker together with swiss ETFs?. I read somewhere that ETFs quoted in different markets have different fees/taxation.Not sure though as I cannot find that info again. Perhaps for beginners like me, it is better to start with Postfinance or Swissquote

Actually I found this thread and it seems the advantage of CH brokers is that taxation for ETFs can be easilly calculated.

Please note that the portfolio I indicated above is just a reference. In any case, thanks for the details.

Actually, I don't understand why you found the VT ETF in IB ... Vanguard products are not listed in the IB's webpage I posted above.That's confusing. Perhaps that page is outdated/incomplete...or I am missing something.
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Old 13.03.2020, 21:26
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Re: lazy portfolio ETFs and ETF providers

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Actually, I don't understand why you found the VT ETF in IB ... Vanguard products are not listed in the IB's webpage I posted above.That's confusing. Perhaps that page is outdated/incomplete...or I am missing something.
You're probably not looking at the right spot, VT is traded on NyseArca. From the top menu it's Product/Product Listing, select ETFs then NyseArca. This should get you to
this page where you find VT and VTI.
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Old 13.03.2020, 21:42
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Re: lazy portfolio ETFs and ETF providers

Quote:
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Hi dbucar, thanks for your feedback.

My doubts were more about how to find a broker for ETFs ,being a Swiss resident that would allow me to invest in lazy-portfolios available on the internet.

After some additional research I would need to clarify the following points:

1 - probably http://www.lazyportfolioetf.com/ is not the right source of information for investors residing in switzerland as the ETFs there are mainly American
2 - I should find out whether there is a similar website for investors in CH
3 - is it better to use a CH broker together with swiss ETFs?. I read somewhere that ETFs quoted in different markets have different fees/taxation.Not sure though as I cannot find that info again. Perhaps for beginners like me, it is better to start with Postfinance or Swissquote

Actually I found this thread and it seems the advantage of CH brokers is that taxation for ETFs can be easilly calculated.

Please note that the portfolio I indicated above is just a reference. In any case, thanks for the details.

Actually, I don't understand why you found the VT ETF in IB ... Vanguard products are not listed in the IB's webpage I posted above.That's confusing. Perhaps that page is outdated/incomplete...or I am missing something.
Enjoy this then https://forum.mustachianpost.com/
Has the answers to probably all of your questions.

Re. Finding VT/VTI, I see it here https://www1.interactivebrokers.com/...%3Fexch%3Dcboe
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Old 14.03.2020, 17:33
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Re: lazy portfolio ETFs and ETF providers

I have just discovered that CH is about to block the access to ETFs in US.... so I should find some lazy portfolio in Europe.

To some extent, that would be even better as my capital is entirely in euro.
On the opposite:
- I could not find a lazy portfolio based on EUR ETFs.
- it seems European ETFs available are less efficient ... (higher taxation?).

Reference:
https://forum.mustachianpost.com/t/s...out-it/2327/35

Some considerations about European ETFs (European ETFs section) + European ETF portfolio idea:
https://thepoorswiss.com/etf-portfolio-european-etfs/
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Old 14.03.2020, 23:39
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Re: lazy portfolio ETFs and ETF providers

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I have just discovered that CH is about to block the access to ETFs in US.... so I should find some lazy portfolio in Europe.

To some extent, that would be even better as my capital is entirely in euro.
On the opposite:
- I could not find a lazy portfolio based on EUR ETFs.
- it seems European ETFs available are less efficient ... (higher taxation?).

Reference:
https://forum.mustachianpost.com/t/s...out-it/2327/35

Some considerations about European ETFs (European ETFs section) + European ETF portfolio idea:
https://thepoorswiss.com/etf-portfolio-european-etfs/
This is just a silly populistic fearmongering

Swiss legislation has provisions to exclude execution-only brokers, e.g. Art 13 FinSA
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Old 15.03.2020, 09:01
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Re: lazy portfolio ETFs and ETF providers

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This is just a silly populistic fearmongering

Swiss legislation has provisions to exclude execution-only brokers, e.g. Art 13 FinSA
Populistic? Degiro does not allow you to trade some ETFs based in US. Some IB users reported the same problem apparently. Those are facts.

Beside that I am not sure how to identify execution-only brokers.
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Old 15.03.2020, 17:14
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Re: lazy portfolio ETFs and ETF providers

The blogger you linked is most definitely fearmongering to gain visitors

Degiro is just a shitty broker. PRIIPS does not apply to Switzerland yet they enforced it for Swiss residents anyway

IB does not block US ETFs for Swiss residents. A couple of cases I know where they did block were caused by irregularities in account documentation, such as wrong country in w8-ben.
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Old 15.03.2020, 18:55
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Re: lazy portfolio ETFs and ETF providers

I invest and trade with Interactive Brokers account and there are no problems so far (have it since 5 years), Vanguard provides low cost ETFs and are very popular in addition to QQQ (Tech ETF). These are some of the most popular / traded ETFs with low expense ratios

VGT - Vanguard Total Stock Market ETF
VOO - Vanguard S&P 500 ETF
QQQ - Nasdaq 100 (heavy tech exposure)
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Old 15.03.2020, 19:28
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Re: lazy portfolio ETFs and ETF providers

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VGT - Vanguard Total Stock Market ETF
That would be VTI https://investor.vanguard.com/etf/profile/VTI
VGT is the tech ETF.
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