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Hello,


I'm planning to have my portfolio divided this way

30% Base ETFs

30% Divided ETFs/REIT

30% Growth ETF

10% Bitcoin/Commodities/Individual Shares


I'm choosing my base ETF's:

15% $VUSA (+0,84%) because of risk and stability

5% $QQQM Considering the future, and I want to add a bit more technology without a big risk.

10% $IWRD (+0,85%) to Reduce a bit the US dependecy

Would love to hear your comments

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I would not consider the Nasdaq 100 since you already want both the S&P 500 and the MSCI world index and both the S&P 500 and the MSCI world already contain enough tech shares, I would rather diversify more and add more Europe and maybe some Bitcoin if you want to diversify even more and and add a little bit of risk but try to keep it simple since ETF’s are already enough diversified
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