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Part 2 - Which products do I want?
June 6, 2026
Turning my target allocation into actual ETFs means screening for five things: fund size and liquidity, low cost and tracking difference, physical replication, leading asset managers with well-known indices, and how transparent the provider is. These criteria then get layered onto my currency and regional constraints from Part 1.
Part 3 - Stocks
June 6, 2026
The exact equity ETFs behind my 75% stock allocation: a 30% Market sleeve (US, ex-US developed, and EM) and a 45% Dividend & Value sleeve built around three funds. I chose to leave my US exposure unhedged - hedging protects in a strong-dollar year, but costs too much over time.
Part 4 - Bonds
June 6, 2026
After 2022 broke the assumption that bonds cushion a stock crash, I trimmed longer bonds to just 10% of my portfolio: 5% in an EUR investment-grade corporate bond fund, and 5% split across two EM bond funds for extra yield. Worth the risk, in combination with my other assets.
Part 5 - Cash equivalents & gold
June 6, 2026
The simple part of my portfolio: up to 10% in ultra-short EUR bond ETFs for cash, and 5% in physically-backed gold ETCs, split half hedged and half unhedged since gold is priced in USD. Both asset classes are volatile in their own way, so I keep the setup deliberately boring.