Portfolio Advice - EU Expat in UAE - Add Commodity and Small Cap UCITS ETF?

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ExpatWhereDoINext
Posts: 8
Joined: Fri May 07, 2021 11:34 pm

Portfolio Advice - EU Expat in UAE - Add Commodity and Small Cap UCITS ETF?

Post by ExpatWhereDoINext »

Good day Bogleheads Community,

Citizenship: EU

Country of Residence: UAE

International Lifestyle: Left my home country 6 years ago. We have now been in the UAE for 2 year. Planning to stay here for another 2-3 years. Unlikely that we go back to the EU after that, at this point in time we are not planning to retire in the EU.

Currency: USD

Emergency funds: 1+ year, if we cut back we should be fine for 2-3 years. My job is always unstable that is why we have a large emergency fund.

Debt: No debt

Age: 32

Current Asset allocation:
I have around $120k invested (at DEGIRO and Interactive Brokers) with the following AA:
80% - Vanguard FTSE All-World UCITS ETF USD
Combination of Distributing (VWRL) at the GIRO and Accumulating (VWRA) at IB.
20% - iShares Core Gl Aggregate Bd UCITS ETF USD Dis (AGGG)

Contributing around $3-4k every month.

Question: I know the general Bogleheads advice is against slice and dicing your portfolio. However, I am seriously considered changing to:
60% - Vanguard FTSE All-World UCITS ETF USD
10% - Small Cap UCTIS ETF (suggestions welcome)
10% - Commodity UCITS ETF (suggestions welcome)
20% - iShares Core Gl Aggregate Bd UCITS ETF USD Dis (AGGG)

Other input to my portfolio is always welcome.

Thank you in advance.
Laurizas
Posts: 519
Joined: Mon Dec 31, 2018 3:44 am
Location: Lithuania

Re: Portfolio Advice - EU Expat in UAE - Add Commodity and Small Cap UCITS ETF?

Post by Laurizas »

I would leave it alone, but since you limit your tinkering with portfolio up to 20 %, it is not a big deal.

For fund selection look here
https://www.justetf.com/en/how-to/inves ... -etfs.html
https://www.justetf.com/en/how-to/inves ... ities.html
jg12345
Posts: 427
Joined: Fri Dec 11, 2020 12:03 pm

Re: Portfolio Advice - EU Expat in UAE - Add Commodity and Small Cap UCITS ETF?

Post by jg12345 »

Well done!

1) I would leave small caps and commodities out

2) I would go completely for the Acc version of FTSE all-world. It does not look your context suggests reasons for having dist.
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