Dear all,
I am in my early 30's. Started to invest in late 2017 (after I had fully paid my mortgage debt), however being from an Eastern European country my options in terms of brokers are limited, hence I chose Interactive Brokers (via Lynx Brokers - an introductiory broker).
Nevethtless, my plan is to build a decent size portfolio by age 45 (very doable in my case), allowing me to cover basic expenses (e.g. utilities, food, fun etc.) for one person, i.e. sort of achieve Barista FIRE. And once achived, no new contributions will be made to the portfolio until age 50-55 as I plan to step back from my carried (which is very stressfull) and only do jobs that allow me to cover current living expenses.
I need some objective and independent review of my assets allocation/portfolio:
Asset classes (100%): Equity- 40%; REITs- 10%; Government Bonds- 35%; Gold -15%.
Equity split between S&P 500- 20%; 10% Developed Europe (UK included); 10% Emerging markets;
REITs- Global Developed markets REITs from ishares;
Goverment bonds- 15% US treasury+20 years; 20% Emerging market government bonds.
I have read a lot of investing literature and opinions and I am well aware of bogleheads philoshopy, but in the same time I fully agree with Ray Dalio's investing phylosophy. More or less, I thinks, this is reflected by my AA.
Thank you all for your review of this.
Much appreciated.
