"Free Use" Portfolio
Hello my fellow investors. I'm looking for some tips on how to build a portfolio that I could use anytime I want. Currently, I have a portfolio that I'm building for pension long-term. It's locked out and untouched until retirement.However, I want to open another portfolio that I could use any time I wish. We can call it either "personal growth" portfolio or "spending" portfolio doesn't matter, with no time horizon, it can be invested for as long as I want. Right now, I'm thinking allocation of 65% vwce 20% qqq 10% bonds 5% gold. It should benefit from growth while also providing some protection during a down market. What are your thoughts? Anyone separates their pension investments from other investment? Or just keep it simple and buy vwce for a different portfolio. Any suggestions are appreciated. Thank You.