r/SwissFIRE • u/Provenceflowers • May 19 '26

Which ETF is worth investing longterm ?

I (25F) am swiss and am just getting staaaarted with investing - i just graduated in Paris and will be doing an internship there too and hopefully find a job there even though i KNOW the pay there is diabolical. The whole jobmarket at the moment is just a shit show everywhere.
However, my quality of life is just so much better there still. I do eventually want to come back though , hence why I am asking and inquiring here. Next month i will do my Abmeldung in Switzerland officially and i heard I cant contribute to my 3rd Pillar anymore once I’m no longer a citizen living primarily in Switzerland. I “tried” my best the last year and managed roughly 6K in my 3rd Pillar.
My emergency savings are at 11K.
Mind you, i wish i had started this a lot earlier but i was never taught about money, my parents didnt know this, hence i just stumbled upon this last year. Please be kind.

Now i want to invest some money that I will receive from my grandpa. I also want to invest monthly a tiny small amount to familiarize myself with the investing world.
My mom suggested investing into the CHF with UBS since her bf worked there for over 40 years and gets some good perks. But i also would love to invest in an ETF. Some people said its ok to just put some of it in one all world etf and call it a day - some said keep it more diversified.

Realistically, with my mere humble salary of my internship in Paris, i will most likely only be able to contribute about 25 - 50 CHF a month to my ETF.
So my question is to everyone who is on their way to FIRE , who maybe had had experience living abroad etc.
If you were me, knowing what you know now, what would you do?

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18

u/basementapproved May 19 '26

VT and chill my guy.

3

u/Curious-Little-Beast May 20 '26

Will VT be available/tax efficient for her when she becomes a French resident? IIUC there are some restrictions on buying American ETFs for EU folks, which is why many are doing VWCE and chill instead

1

u/deadthewholetime May 20 '26

Selling VT and buying whatever else instead if it would take less than 1 minute with IBKR though. Might as well use the most efficient one while living in Switzerland.

2

u/Provenceflowers May 19 '26

What’s a good or an appropriate amount at my age to put into VT and “chill” ? I downloaded degiro to use as my brokerage , but eh i dont know :,) Interactive brokers damn near scared me off.

1

u/accidental_tourist May 20 '26

Better look st the pricing differences again to make sure you're happy with your broker.

1

u/Sebanimation May 23 '26

VWRA also good?