Etfs portfolio for retirement - opinions
hi all, i‘m setting up an etf portfolio to plan my retirement. horizon: 23 years. location: europe (poland). i’m not well versed into investments in general but worked hard to gather insights and build something hopefully consistent vs my goals. i’d much appreciate any feedback you’d have !
| Asset Class | ETF Name | Ticker | ISIN | Allocation % |
|---|---|---|---|---|
| Global Developed Equities (Core) | iShares Core MSCI World UCITS ETF | IWDA | IE00B4L5Y983 | 40% |
| Emerging Markets | iShares Core MSCI EM IMI UCITS ETF | EIMI | IE00BKM4GZ66 | 12% |
| Europe Equities (EUR stabilizer) | iShares Core MSCI Europe UCITS ETF | IMEU | IE00B1YZSC51 | 12% |
| Global Small Caps (growth tilt) | iShares MSCI World Small Cap UCITS ETF | WLDS | IE00BF4RFH31 | 8% |
| US Tech Tilt (controlled) | Invesco NASDAQ-100 UCITS ETF | EQQQ | IE0032077012 | 4% |
| Global Bonds (EUR Hedged – IKZE core) | EUNA | 15% | ||
| Gold (currency + crisis hedge) | Gold via SGLN | SGLN | IE00B4ND3602 | 6% |
| Cash (PLN/EUR liquidity buffer) | Money Market / Cash | — | — | 3% |
u/Far-Historian7505 — 4 days ago