I’m going with a very simple structure that I believe I can hold for many years without stress.
80% ETFs / 20% individual stocks.
ETFs (80%)
These do most of the work:
- 40% Global equities (MSCI ACWI) $SPYY
- → I want exposure to the whole world, not just one country.
- 24% Global quality & dividend growth $DGRG (-0,38%)
→ Profitable companies that tend to fall less in bad markets.- 10% Nasdaq-100 $UST (-1,39%)
→ Innovation, tech, and long-term growth.- 6% Global small cap value $AVWS (+0,65%)
→ Smaller, cheaper companies for diversification and long-term return potential.
Stocks (20%)
Only a few, high-conviction names:
- Microsoft $MSFT (-2,45%)
Amazon $AMZN (-2,43%)
Visa $V (-0,14%)
Palo Alto Networks$PANW (-0,76%)
Berkshire Hathaway $neon
Each one at ~4%, so no single stock can hurt the portfolio too much.