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What is your goal for 'in 17 years'? Good luck 🫶
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@tommycash Thank you. The aim would be to be able to live off the returns without the portfolio shrinking permanently. If I can continue to increase my savings rates every year and my return is around 10%, then in 17 years (at 55) I would have around 2 million in my portfolio
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@Gazza How high is your savings rate? 3k?
Then I think your idea is basically a good one. 2-3 ETFs as a core (but I wouldn't use EM) and quality stocks with stable dividends, at best bought cheaply.
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@Gazza I wish you every success, but I don't believe that you will achieve a 10% return p.a. in the future. There will certainly be years when you'll be happy to end the year in the black....
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@FairValue more like half ;). Unless you include the house loan :D. Yes, EM can certainly be discussed. But I do see potential in China and especially India, just because of the huge population
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@Pezi merci. Yes, 10% is ambitious. Hence the high BTC share. If it's only 7% then we'll just work until 60
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@Gazza With 1.5k and 10% you won't get to 2 million in 17 years, more like 1.1-1.2 million.

But as I said, otherwise I think your plan is solid and viable.
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@FairValue Yes, that's right. That's why I wrote if I can increase my savings rate every year. Thank you very much for your feedback
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