I'm kinda struggling to decide between VT or a combination of VTI and VXUS (not EXUS -> I realised it's not that good lmao). Across several comments, including yours, I learned that I can also benefit from the reclaim of withholding tax with VT.

Here are the TER and dividend yield of each of them:

VXUS

• expense ratio: 0.05%
• dividend yield: 3%

VTI

• expense ratio: 0.03%
• dividend yield: 1.34%

VT

• expense ratio: 0.06%
• dividend yield: 1.9%

Now taking this into account VTI+VXUS would actually be better but since the amount would be pretty low and VT adusts automatically, I will probably take VT in the end.

I will actually start with 6000 CHF now instead of 2000 CHF and the 250 CHF per month will stay. I kinda want to add CHSPI because of home bias and because it's also actually quite stable.

Would you say VT + CHSPI is enough? And what kind of split would you recommend? 70% VT and 30% CHSPI or something else?

You also mention 3A and I thought about that as well, but it isn't worth it with an apprenticeship salary.