Hey everyone! I am 35M living in Poland. I’ve been working on a simple, diversified ETF-based portfolios and would love to hear your thoughts, especially if you’re also investing for the long term or did a similar research.
I am considering creating two investment accounts that will complement each other. I will be doing monthly payments for the next 15-20 years. My goal is to save additional financial resources for the retirement. One account will be a more flexible investment account, which allows me to withdraw the money at any time (but I will have to pay 19% tax on the capital gains.) The second one will be a typical long-term retirement account that will allow me to avoid tax on the capital gains if I withdraw the money after I am 60 years old.
Here are the portfolios components:
**Number one 'brokerage' account - this account offers more flexibility. Mostly ETFs and Polish govt bonds:**
* ISAC - iShares MSCI ACWI UCITS ETF - 40% weight
* EIMI - iShares Core MSCI Emerging Markets IMI UCITS ETF - 25% weight
* EQQQ - Invesco EQQQ NASDAQ-100 UCITS ETF - 15% weight
* COI‑4 - Polish inflation-linked government bonds - 20% weight.
**Number two 'Retirement' account - Long-term focus, all accumulating ETFs domiciled in Ireland:**
* [CSPX.UK](http://CSPX.UK) – iShares Core S&P 500 UCITS ETF (Accumulating) - weight 70%
* [AGGU.UK](http://AGGU.UK) – iShares Core Global Aggregate Bond UCITS ETF (EUR-hedged, Accumulating) - 30% weight
My goals:
* Invest for 15-25+ years
* Maintain global diversification
* Keep it simple, low-cost, and mostly passive
* Protect some value in PLN via local bonds
I’d love to hear your thoughts. Does this setup makes sense for the long-term growth with moderate risk? Anything you would change or add? My concern is that I am stretched across too many ETFs and perhaps I should consolidate more.
Thanks in advance!