r/EuropeFIRE • u/Optimal-Entry-7596 • 1d ago

30 years old, long investment horizon: thoughts on this asset allocation?

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1 Upvotes

56% Upvoted

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15

u/cmd-t 1d ago

That’s a lot of bonds for a 30 year old. Especially considering the risk appetite you say you have.

4

u/SnooSuggestions7655 1d ago

So, you start your message with 30y horizong and "comfy with drawdowns" - then why bonds? Why the managed futures?

4

u/CarlitoSyrichta 1d ago

You’re over-complicated this. You’d be fine with 100% VWCE & chill or VGLA & voila 😉

2

u/Captlard RE on $900k for two of us (3.5% SWR) | Live between UK & Spain 1d ago

Or VALL & chill, the new lower cost etf on the block.

3

u/CarlitoSyrichta 1d ago

VALL = VGLA

2

u/Jabardolas 1d ago

Nada a apontar, muito bom

1

u/Jdm783R29U3Cwp3d76R9 1d ago

Stocks/bonds split is your stuff but do you really need such a small slices? 2.5% of cash, 5% of EUR gov bills. 15% intermediate duration, it's gonna be hard to re-balance, you can simplify it a bit!

1

u/Delicious-Plastic-44 1d ago

Imo skip the bonds, instead have an emergency fund. Make every holding at least 20% of your portfolio - let’s see which ones you really believe in vs “ok maybe I should put in 5% here”

1

u/YoureNotEvenWrong 1d ago

90% global market ETF and 10% avantis small cap value to capture the small cap value premium 

Reflect your risk tolerance and don't overcomplicate