I’m going with a very simple structure that I believe I can hold for many years without stress.
80% ETFs / 20% individual stocks.
ETFs (80%)
These do most of the work:
- 40% Global equities (MSCI ACWI) $SPYY
- → I want exposure to the whole world, not just one country.
- 24% Global quality & dividend growth $DGRG (-0,35 %)
→ Profitable companies that tend to fall less in bad markets.- 10% Nasdaq-100 $UST (-0,09 %)
→ Innovation, tech, and long-term growth.- 6% Global small cap value $AVWS (+0,25 %)
→ Smaller, cheaper companies for diversification and long-term return potential.
Stocks (20%)
Only a few, high-conviction names:
- Microsoft $MSFT (-1,57 %)
Amazon $AMZN (-1,2 %)
Visa $V (-3,76 %)
Palo Alto Networks$PANW (+1,52 %)
Berkshire Hathaway $neon
Each one at ~4%, so no single stock can hurt the portfolio too much.