A few days ago, I shared a post asking for your thoughts on my portfolio setup. At that time, it was roughly 65% US market.

However, with the recent uncertainty around potential tax changes for non-US investors, I’m really starting to have doubts.. 😅 Maybe it could still take months before we get any certainty, so I’m unsure whether it’s better to wait it out or just move forward.

What would you do in my situation? Would you go ahead and invest as planned? Or would you increase the allocation to a World ex-US ETF $WEXU (+0,18%)
$EXUS (+0,54%) (maybe 15–30%), plus 5% EM, 5% EM small cap, and 5% India — and temporarily park the remaining 55–70% in gold until there’s more clarity on US tax regulations? Or is that gold-heavy approach too risky and keep the money safely on the sidelines for now?

Any thoughts or alternatives are very welcome! 🙏🏼

Hi everyone,

I’m 28 and planning to invest €80,000 with a long-term, offensive strategy. I’m aiming for broad global diversification, focused on both value and growth. I’m totally fine having 60–70% of my portfolio allocated to the U.S. and with exposure to emerging markets as well.

Here’s a rough outline of the allocation I have in mind:

30–40%
Nasdaq 100
$EQQQ (+1,7%)
$XNAS (+1,7%)
$CSNDX (+1,71%)

15–25%
S&P 500
$VUAG (+1,51%)
$CSPX (+1,53%)
$SPYL (+1,53%)

10%
World ex US
$WEXU (+0,18%)
$IE000R4ZNTN3 (+1,7%)
$EXUS (+0,54%)

10%
Small Cap US Value
$ZPRV (+1,97%)

5% Small Cap World $WSML (+1,07%)
$ZPRS (+1,45%)

5% Emerging Markets (EM)
$EIMI (+0,78%)
$XMME (+0,64%)

5%
EM Small Cap
$SPYX (+1,62%)

5–10%
India UCITS ETF
$FLXI (+1,58%)
$QDV5 (+1,79%)

Additionally (5-10%), I’m considering adding one or two of the following ETFs – would love your thoughts on which one(s) you’d choose and why (or not):

• $SMH (+0,75%) | VanEck Semiconductor UCITS ETF
• $RBOT (+0,89%) | iShares Automation & Robotics UCITS ETF
• $AIQG (+1,74%) | Global X Artificial Intelligence UCITS ETF USD Accumulating
• $XDWT (+1,22%) | Xtrackers MSCI World Information Technology UCITS ETF

Finally, I’m thinking of picking around 10 individual stocks as a satellite component. Any suggestions? 🚀

Curious to hear your feedback:

• What do you think of this ETF setup overall?

• Would you add or remove anything?

• Would you tweak the allocation? If yes, how and why?

I prefer accumulating ETFs only, and I plan to add €1,000–1,500 every month going forward.

Your thoughts are much appreciated! 🙏🏼😀