3Lun
Cash reserve and emergency fund, yes.
I would keep it as simple as possible:
I would get rid of the bonds and individual stocks.
Individual stocks because anyway those are in the ETFs you mentioned.
And I don't believe in bonds; I would rather invest in a Minimum volatility ETF if the goal is to reduce the risk.
The "growth" part looks good to me, though the weighting between DM and EM would be different: 90% DM and 10% EM, but then that's also a question of taste.
As for the dividend part, I would just keep $TDIV
Overall, I would then do something like: 62.5% growth, 20% dividend, cash reserve 2.5% and emergency fund 15%.
I would keep it as simple as possible:
I would get rid of the bonds and individual stocks.
Individual stocks because anyway those are in the ETFs you mentioned.
And I don't believe in bonds; I would rather invest in a Minimum volatility ETF if the goal is to reduce the risk.
The "growth" part looks good to me, though the weighting between DM and EM would be different: 90% DM and 10% EM, but then that's also a question of taste.
As for the dividend part, I would just keep $TDIV
Overall, I would then do something like: 62.5% growth, 20% dividend, cash reserve 2.5% and emergency fund 15%.
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Hm, maybe you can also buy short-term government bonds, which are considered risk-free according to the bwl definition, which is of course not entirely true, but you get 4-5% interest, which is definitely better than overnight money or fixed-term deposits.
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