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 (+0,35%) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (+0,29%)
$EUHD (+0,72%) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (+0,35%)
$XNGI (+0,12%) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (+0,85%)
$WSML (+0,57%)
$IEEM (-0,32%) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-1,81%) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)