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 (-0.65%) 320 € (~51 %) - Core
→ Very good for long-term growth
2) Dividend (Value/Defensive)
$VHYL (-0.5%)
$EUHD (+0.21%) 90 € (~14 %)
→ Two targeted building blocks, stable cash flow
3) Technology (Growth)
$XNAS (-0.69%)
$XNGI (-1.45%) 100 € (~16 %)
→ ensure growth, without overweighting
4) Regional addition
$MEUD (-0.2%)
$WSML (-0.9%)
$IEEM (-1.51%) 80 € (~13 %)
→ improves diversification
5) Commodities/tangible assets
$WGLD (-6.91%) 40 € (~6 %)
→ better balance with defensive character
What do you think?
Feedback & suggestions for readjustment are welcome =)
