portfolio advice europe

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port.foliofinder
Posts: 5
Joined: Sat Mar 18, 2017 9:57 am

portfolio advice europe

Post by port.foliofinder » Fri Oct 04, 2019 12:59 pm

hi guys,

i am a 32 years old european investor, single, no dependent. i am a conservative type because i could accumulate money these years as a sportsman, but now im retired without any experince in the workfield. my goal is to have some passive income which covers my expenses. from coaching i have 1-2k per month now but probably i d like to quit in the close future.
my bankroll is 300k, my allocation was superdefensive but im ready to take more risk now bc i realize its necessary.
I am an expat around the world now , my expenses are around 1500 per month
my home country(emerging europe) offers 5% interest in 5 years goverment bonds, but since our currency devaluiton is a risk, also it lacks diversification.
im also planning to put like 20% of my bankroll to my home country bonds, treating it like an emergency fund bc it has great liquidity if you cash out before it experies(0.25 fee only)

my planned allocation is:

20 Iwda
10 Emim(em)
10 hsbc nareit
10 wsml(world small cap)
20 Lt(us longt trsy)
20 Agg(global bonds)
10 gold

all help is appreciated

ohai
Posts: 1047
Joined: Wed Dec 27, 2017 2:10 pm

Re: portfolio advice europe

Post by ohai » Fri Oct 04, 2019 1:08 pm

Hi, buddy. Looks like your goal is to diversify across world indexes, in which case you can probably find a simple ETF, or 2-3 ETFs that accomplish this. You can probably omit gold and REITs from special allocations.

andrew99999
Posts: 508
Joined: Fri Jul 13, 2018 8:14 pm

Re: portfolio advice europe

Post by andrew99999 » Fri Oct 04, 2019 6:59 pm

I would plan an absolute maximum retirement withdrawal rate of 3%
So if your expense are 18,000 per year, that would need a minimum of 600,000.
PassiveInvestingAustralia.com

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BeBH65
Posts: 1555
Joined: Sat Jul 04, 2015 7:28 am

Re: portfolio advice europe

Post by BeBH65 » Sat Oct 05, 2019 7:56 am

Can you explain the reasoning behind your asset allocation? It seems to deviate from what we see most often; seriously overweighting certain areas of the the investment it universe.
BeBH65. (only an investment enthusiast, not a financial adviser, perform your due diligence). | Have a look at https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles

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BeBH65
Posts: 1555
Joined: Sat Jul 04, 2015 7:28 am

Re: portfolio advice europe

Post by BeBH65 » Tue Oct 08, 2019 1:22 pm

First step i indeed to put some money aside as an emergency fund: 6-12 month expenses

A balanced portfolio could, in the past, in theory, sustain a withdrawal rate of 4% for 30 years.
The 4% might not be realistic with the current global economy and your horizon is longer.

Try to find another job before you give up the current coaching.
Choose a simpler portfolio. No need to complicate.
BeBH65. (only an investment enthusiast, not a financial adviser, perform your due diligence). | Have a look at https://www.bogleheads.org/wiki/Outline_of_Non-US_domiciles

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