Hello,

After some time around here, reading, learning from each one of you (this is where I started to know the ETF world) and with only a couple of years investing my life savings, I am launching my small and modest project.

I have seen and admired portfolios of real millionaires, young people who bet on their future with a few thousand euros... I started investing late and today, at 46 years old, I think I have found a point where I feel comfortable investing.

I must differentiate between the part coming from my savings via work (my portfolio in equities, gold and bonds), and the reserve via inheritance after the recent death of my father.

So today, I am showing a dual model, with 30% total equity and 70% protection.

Equities:

$VWCE (+0,92 %) + $VHYL (+0,52 %) - $SPFE (+0,33 %) - $IGLN (+1,09 %)

VWCE. Thanks to you, I invest in the 3600 largest companies on the planet. It is of course the foundation that I never want to sell and will serve as a legacy for my daughter.

I chose VWCE over alternatives like ISAC. Actually, both are great for the long term.

VHYL is a tap. Drop by drop, every quarter, it brings in distribution dividends through established companies around the world. And that dividend, it has a destination..... BTC.

SPFE. After a lot of reading, I see that a 40-year-old like me, needs a stability contribution via funds. And after alternatives like VECA, I opt for funds of about 7-8 years of age, that protect the VWCE/VHYL part when it falls.

The reason for SPFE vs VECA, is that semi-annual dividend drip, also destination.... BTC.

IGLN. Gold. Little more to contribute that is not already known about the importance of that 8-12% gold in any long term portfolio.

And... now for what I usually never see:

My liquid cushion (as I say, it comes from a recent inheritance and I must preserve it as much as possible. Ultra-conservative. I just want inflation to barely bite pennies here). It's $XEON (-0 %) .

I only use XEON when the stock market drops 10-15%, and very cautiously, or when any major incident in the family forces me to sell.

And, my lottery ticket. A 2% (limited by myself) of $BTC (+0,94 %) . It is funded via dividend VHYL and SPFE. Those distribution funds, dripping free an asset that may be worth in 20 years x100 its current price, or nothing.

BTC is the only thing I am allowed to sell, every time the horse goes off the handle, by going up too much, redirect to RV.

Simply put, if you have made it this far, thanks for reading me. As I say, I don't often see portfolios like mine. And I don't know if I can help anyone like that.