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 (-0,97 %) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (-0,55 %)
$EUHD (-1,28 %) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (-1,41 %)
$XNGI (-1,86 %) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (-1,36 %)
$WSML (-1,16 %)
$IEEM (-0,74 %) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-2,82 %) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)