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 (+0,9%)
→ Profitable companies that tend to fall less in bad markets.- 10% Nasdaq-100 $UST (+1,02%)
→ Innovation, tech, and long-term growth.- 6% Global small cap value $AVWS (+0,41%)
→ Smaller, cheaper companies for diversification and long-term return potential.
Stocks (20%)
Only a few, high-conviction names:
- Microsoft $MSFT (+0,37%)
Amazon $AMZN (+0,67%)
Visa $V (-0,96%)
Palo Alto Networks$PANW (-1,09%)
Berkshire Hathaway $neon
Each one at ~4%, so no single stock can hurt the portfolio too much.