Hi fellow Mustachians,
This is a very critical post for me, as I’ve done my research and I’m ready to invest very soon with a long-term portfolio. But, before committing to do it, I’m very eager to listen to your feedback.
A few words about me and my personal financial situation, before jumping to the numbers. I’m 35y old, stable job with a good salary, no kids, no mortgage, no debts, relatively low monthly expenses. Risk profile: high. Total savings: ~200K. I’m planning to create an emergency fund of 20K and invest the rest in one shot. Afterwords, I’m willing to invest ~4K each month. I’d like to invest only in the stock market - No bonds, no crypto, no precious metals, no CDFs. 99% ETFs, 1% cash.
And now my idea of pure ETFs portfolio:
Total world: 45%
One ETF between:
- iShares Core MSCI World UCITS ETF, or
- iShares Edge MSCI World Momentum Factor UCITS ETF, or
- Xtrackers MSCI World Quality Factor UCITS ETF
US: 15%
One ETF between:
- Vanguard S&P 500 UCITS ETF, or
- iShares Core S&P 500 UCITS ETF
Emerging markets: 10%
- Amundi MSCI Emerging Markets UCITS ETF (Acc)
Switzerland: 10% (Homeland bias: The country I’m living in)
- iShares Core SPI (CHSPI)
Europe: 10% (Retirement bias: The part of the world I’m planning to retire to in the future)
One ETF between:
- iShares Core MSCI Europe UCITS ETF, or
- Vanguard FTSE Developed Europe UCITS ETF
Japan: 5%
- iShares MSCI Japan ETF
"Bets": 5%
This is a section of the portfolio dedicated to a few promising, rapidly growing yet more speculative sectors of the market. I intend to keep this section small and monitored on a regular basis. It will potentially subject to change, as the risk of a bubble here is more concrete. I can already foresee that many of you might disagree, but I’d like to have this kind of section in my portfolio Market sectors that I’d like to invest in:
- Green economy
- eSports
- Batteries
I reckon that it’s a quite complex portfolio and I wonder If it would be too much hassle to rebalance it periodically?
Also, I’m specifically looking for feedback on the allocation/percentage but also eager to get your thoughts on everything that stands out to your more experienced eyes.
Thanks a lot in advance for your support, it really means a lot to me!