Goal: A globally diversified portfolio via a savings plan
Option 1:
Everything in the $VWRL (+1,37 %)
Option 2:
50% $VUSA (+1,4 %)
15% $EIMI (+0,75 %)
15% $VEUR (+0,77 %)
10% $WSML (+0,92 %)
What do you think?
Option 1 would be the simpler approach. No rebalancing. Unscheduled purchases or sales with an ETF are easier and more fee-friendly.
Option 2 allows more control in terms of weighting, so I could reduce the US share from $VWRL (+1,37 %) from 62% to 45-50%. In option 2 it would also be possible to swap the S&P 500 for Nasdaq or Amumbo depending on the market cycle to get more performance out of it without the risk of a US overweight.