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Completely overengineered in my view, but that's how you want it 🤷🏻‍♂️ You might get a little factor bonus, but that's it. You don't have any effective protection against heavy crashes or years of dry spells, for example. It wouldn't be worth the effort for me.
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@randomdude Thank you for your feedback.

Edit: I'm still working on "protection". But I hardly see any users here who invest in bonds, commodities and gold. Somehow everyone is in ETFs, then preferably just the $VWRL, individual stocks, crypto or a completely wild mix. It is simply difficult to do the RIGHT thing with too many opinions. So something will certainly change. But I'm proud of my "construct" and I believe it will also bring something.

As I said. Thank you for your feedback.
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@randomdude I can take stock in five years' time. I just want to give it a try. Hopefully the money will be better invested than in a savings account by then.
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