Lazy investment portfolio - I would appreciate your feedback
Profile: Married without children, age 30, works in high-tech, free savings of about ~5.5-6k USD per month, living in Israel.
Investment time: 5-7 years, there is a chance that we will want to buy another apartment after this time, for that we may have to sell some.
Stategy: Lazy, passive, index funds, diversity, not "stock picking", "Buying the haystack not the needle".
Starting point:
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Real-estate: A house worth ~400K USD. I own 30%, and mortage of 70% (It is a common mortage in my country). The rent pays for the monthly mortage payments.
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Salary provisions: A monthly provision of approximately ~ 2K USD for a pension in the s & p track, and ~900 USD for a study fund in the equity track.
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Security fund: ~60k USD, do not intend to touch this money.
Blend:
I focus on the iShares stocks, it is easier to buy in my country.
Option 1:
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S & P - 30%, iShares Core S&P 500 UCITS ETF
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MSCI Europe - 20%, iShares Core MSCI Europe UCITS ETF
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MSCI EM - 10%, iShares Core MSCI EM IMI UCITS ETF
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MSCI ACWI - 20%, iShares MSCI ACWI UCITS ETF
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MSCI World Small Cap - 20%, iShares MSCI World Small Cap UCITS ETF
Option 2 - remove ACWI, add to S & P and europe:
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S & P - 40%, iShares Core S&P 500 UCITS ETF
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MSCI Europe - 30%, iShares Core MSCI Europe UCITS ETF
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MSCI EM - 10%, iShares Core MSCI EM IMI UCITS ETF
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MSCI World Small Cap - 20%, iShares MSCI World Small Cap UCITS ETF
Considerations:
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S & P "only" 30% because I invest ~2900 USD from my salary to pension and study fund mostly in S & P and the USA
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Geographic diversity: USA, Europe, Emerging markets. I understand it covers the most
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Do not pick specific countries / sectors - optimizing diversity
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I give 20% to small cap. Is it too much? would you choose a different weight? Would you involve medium cap as well?
What would you change?
Thank you :)
