I'm due to make an annual adjustment to my savings plans.

I have the following picture in mind:

Category
ETFs
Monthly share (total: 630 €)

1) Global broad (Core)

$VWRL (-1.24%) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (-1.1%)
$EUHD (-1.02%) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (-1.31%)
$XNGI (-0.81%) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (-1.88%)
$WSML (-1.42%)
$IEEM (-2.99%) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-1.71%) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)