Good morning,

I am quite new to the subject of investing etc. My knowledge ? I'm sure 99% of you have more.

And that's where I really need help. I am 39 and would like to build up a cash flow with dividends. Yes, I know that investing would be better in the long term. But I realized first hand how a little cold can lead you to the intensive care unit with 9 months of sick leave (including rehab etc).

That's when I realized that you also live in the here and now. Of course I also want to think about tomorrow, but I want to be able to do both. I would like to start with 250€ /month. I have in mind etf like $HMWO (+0,44 %) , $VHYL (+0,03 %) , $ISPA (+0,2 %) ,$TDIV (+0,07 %)
$ZPRG (+0,36 %) , $EUHD (-0,02 %)
$VWRL (+0,41 %) in mind.

And yet I am unsure . How much in whom, which one do I take ? should I possibly consider others ? Does the selection make sense at all? Do I want a distribution every month (would be great)?

At the moment I don't need the distribution and would reinvest it.

So many question marks buzzing around in my head .... Do you have any advice?

Thank you very much

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 €)

1) Global broad (Core)

$VWRL (+0,41 %) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (+0,03 %)
$EUHD (-0,02 %) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (+0,86 %)
$XNGI (+0,87 %) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (+0,01 %)
$WSML (+0,6 %)
$IEEM (+0,54 %) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-0,51 %) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)

$EUHD (-0,02 %)

Invesco EURO STOXX High Dividend Low Volatility

I'm asking because I can't find anything about it on the platform.

Except for the volume size, I find everything TipTop.

Am I missing something serious here?

Thank you very much