Hi there! Please let me know what you think of my (noob) portfolio:
55% - US, iShares Core S&P 500 UCITS ETF
15% - Asia Pacific, iShares Core MSCI Pacific ex Japan UCITS ETF
10% - Europe, iShares EuroStoxx 50 UCITS ETF (Dist)
10% - US, SPDR S&P 400 US Mid Cap UCITS ETF
10% - Emerging, AMUNDI MSCI EM DR
Overall TER: 0.13%
Several things that comes to mind that worry me:
- these happened to be spread among 4 different exchanges (EPA, AMS, SWX, BIT) - is that okay or should I pick one and stick to it?
- the ETFs are issued by at least three different entities (iShares, SPDR, AMUNDI) - is that okay or should I pick one and stick to it?
- 0 contributions to 3rd pillar because I’m unsure where I’ll be in 3-5-7 years and not sure how to deal with taxes (have to file taxes before gain any benefits), should I change this?
- anything else?
A bit about me: 30, would like to be FI in 15 to 20 years (45-50), currently contributing about 50% of net income, overwhelmed with the amount of information out there and worried that am making some stupid mistakes that am not seeing right now which will bite me in the future.