Hello dear Getquiner,
It's been a while since my last post, but I'm now planning to fill this account with more posts and thus gather more knowledge about your comments, because you can always learn something new. 😁
Let's get to the main part of this post, I have changed my portfolio from a "Norwegian Government Fund" to a 60/30/10 portfolio. (both with ETFs)
Why the whole thing? I had hoped that the self-built "Norwegian Government Fund" would iron out crises in the portfolio through the large proportion of government bonds and perform better than a world ETF during this time, unfortunately this did not work on Liberation Day or after the start of the war in Iran. At about the same time as I was thinking about this, I watched a video from Finanzfluss on the subject of the 50/30/20 portfolio (https://www.youtube.com/watch?v=uGimQba7YQA) which I also watched. I also received advice from a friend who has been active in the market for a long time, but in my younger years, if I still have time, I would rather go 100% into equities, as I can simply sit out the bad times and thus have more returns.
After thinking about it for a while, I decided to switch to a 60/30/10 portfolio.
It consists of the following ETFs:
60 %
MSCI World
$IWDA (+1.24%)
30 %
MSCI EM IMI
$EIMI (+1.95%)
10 %
MSCI Europe
$MEUD (+1.61%)
This results in the following regional breakdown after overlaps:
43 % USA, 20 % Europe,
30 % emerging markets
In my case, the USA weighting will be slightly higher, as I also have a few individual stocks. I want to cover the whole world, but as the biggest and "most important" companies are based in the USA but sell to the whole world, I think the USA part should not be too small.
In the next posts I would like to go into my individual stocks and why I also have a relatively large $BTC (-0.79%) share!
So, now I'm looking forward to your opinion, please be critical, I want to know what you would improve or what could go wrong.