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 (-0,07 %) 320 € (~51 %) - Core
→ Very good for long-term growth
2) Dividend (Value/Defensive)
$VHYL (-0,66 %)
$EUHD (-0,3 %) 90 € (~14 %)
→ Two targeted building blocks, stable cash flow
3) Technology (Growth)
$XNAS (+0,15 %)
$XNGI (+0,65 %) 100 € (~16 %)
→ ensure growth, without overweighting
4) Regional addition
$MEUD (+0,26 %)
$WSML (-0,46 %)
$IEEM (+0,13 %) 80 € (~13 %)
→ improves diversification
5) Commodities/tangible assets
$WGLD (+0,45 %) 40 € (~6 %)
→ better balance with defensive character
What do you think?
Feedback & suggestions for readjustment are welcome =)
