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 €)
Global broad (Core) $VWRL (+1,44 %) 320 € (~51 %) - Core → very good for long-term growth
Dividend (value/defensive) $VHYL (+1,23 %)
$EUHD (+0,53 %) 90 € (~14 %) → Two targeted building blocks, stable cash flow
Technology (growth) $XNAS (+1,7 %)
$XNGI (+1,8 %) 100 € (~16 %) → ensure growth, without overweighting
Regional addition $MEUD (+0,52 %)
$WSML (+1,07 %)
$IEEM (+0,75 %) 80 € (~13 %) → improves diversification
Commodities/tangible assets $WGLD (-0,84 %) 40 € (~6 %) → better balance with defensive character
What do you think?
Feedback & suggestions for readjustment are very welcome =)