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Portfolio - please comment/review :0)

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Hi folks

I am building an investment portfolio that I plan to drip feed a significant lump sum into over the next number of months/years.

I have done a lot of reading on various websites like ETF.com, ETFdb.com etc and also read 3 great books to help me along, which I would really recommend. I wish I had the knowledge they contain 20 years ago....

3 Steps to investment Success, Rory Gillen

Secrets of Wealthy People, David Stevenson

Buffett, The Biography, Roger Lowenstein

Also, The Education of a Value Investor, Guy Spier - but it's not so good.

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My Portfolio breakdown is as follows:

60% Core Equity Portfolio,

24% Satellite Equity Portfolio,

10% Gold/Silver/Crypto,

6% Bonds

(I don't intend to invest any into property as i'm ok on that front)

Here is the further breakdown (Expense Ratios in brackets):

Core Portfolio - 60% allocation, equal weighted between 5 listed below

ISHARES CORE DIVIDEND DGRO (0.08%) - US Dividend Stocks

VANGUARD MEGA CAP ETF MGC (0.07%) - US Megacap to track S&P500

VANGUARD FTSE DEVELOP VEA (0.07%) - Developed Markets excl USA

ISHARES CORE MSCI EMER IEMG (0.14%) - Emerging markets

iShares MSCI Eurozone ETF EZU (0.48%) - Eurozone excl Brexit UK

Satellite Portfolio - 24% allocation, equal weighted between 5 listed below

iShares U.S. Medical Devices ETF IHI (0.44%) - US Health Tech

Vanguard Value Index Fund VTV (0.06%) - US MegaCap Value Stocks

Vanguard Mega Cap Growth Index Fund MGK (0.07%) - US Megacap Growth Stocks

iShares Exponential Technologies ETF XT (0.47%) - AI/Machine Learning Tech Stocks

Berkshire Hathaway B shares BRKB - Cos I like Warren

(As this is a satellite portfolio, it will be flexible, so I can add different stocks/ETFs as I go along.)

Gold/Silver/BTC - 10% allocation, of which 70% Gold, 20% Silver, 10% Crypto

Bullionvault Gold (0.5%)

Bullionvault Silver (0.5%)

Cryptos approx. (0.25%)

Bonds 6%

I haven't structured this yet, I need help as I don't fully understand the bond world....

I am thinking to split equally between something like:

-US Longterm 20+ year Government Bond ETF

-NonUS Longterm 20+ year Government Bond ETF

-Corporate Bond ETF

-High Yielding Emerging Markets Government Bond ETF

(Regarding the 6% Bond allocation, the David Stevenson book suggests to allocate 2% per year from 40 years old upwards, so by 50 you have 20%, by 60 40% etc, which I think is a good idea.)

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All my ETFs are US ones to avoid the onerous Irish tax implications, but because I am dollar cost averaging I hope that the USD/EUR Exchange Rate won't matter too much in the long run. (Any ideas on number of months/years I should Cost average into?)

Thanks for any help, especially around the Bond construction element.

 
Date: Jun 19, 2017   


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