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 (+1,44%) 320 € (~51 %) - Core
→ Very good for long-term growth
2) Dividend (Value/Defensive)
$VHYL (+1,23%)
$EUHD (+0,53%) 90 € (~14 %)
→ Two targeted building blocks, stable cash flow
3) Technology (Growth)
$XNAS (+1,7%)
$XNGI (+1,8%) 100 € (~16 %)
→ ensure growth, without overweighting
4) Regional addition
$MEUD (+0,52%)
$WSML (+1,07%)
$IEEM (+0,75%) 80 € (~13 %)
→ improves diversification
5) Commodities/tangible assets
$WGLD (-0,84%) 40 € (~6 %)
→ better balance with defensive character
What do you think?
Feedback & suggestions for readjustment are welcome =)
