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REDDIT

Advice on investing strategy, multiple ETFs to add diversification for riskier stock portfolio?

Hey folks,

Relatively new investor here, just started earlier this year with an inheritance fund, looking for advice on this strategy and balancing risk with security. I have a pretty high risk tolerance for \~50% of my port in stocks for short to medium term gains and \~50% in long term 20+ year ETFs as retirement fund.

Profile: 33M, single no kids, western Europe, low mortgage, low expenses, have a 3 month safety net, monthly savings and aiming to invest 300 - 500 per month with the following portfolio goal (note: my current portfolio is a mess with many individual stocks I bought a small amount of when starting out as experimentation, so I plan to sell off all the noise and increase my safety net in long term ETFs. My current portfolio (\~30k) looks something like this:

ETFs:
\- 30% Amundi Prime All-World (WEBN)
\- 10% Amundi STOXX Europe 600 Acc (LYP6)
\- 5% WisdomTree Europe Defence (EUDF)

Stocks:
\- 30% - across 10 medium term high conviction Tech/AI: GOOGL, MSFT, NVDA, META, AMD, AVGO, NBIS, SOFI, ASML
\- 20% - across 20 or so short-medium term low conviction Tech & Other stocks (I won´t list them but everything from AMZ, VRT, IREN, TSMC, MU, BABA, RKLB, ASTS and some utilities, raw materials etc, generally speculative plays.
\- 5% - I consider noise, learning experiences, minor investments of 5 - 50 eur which I´ll gradually close.

Before you all jump down my throat, I know I am overstretched and overcomplicated. Given my risk profile, I am happy to keep 30 - 40% of portfolio within the growth/tech sector as that´s my main area of interest and I don´t believe my Top 10 above are going anywhere in the next 5 years regardless of AI bubble. I am also happy to keep 10% in relatively speculative plays but will try to reduce that list to 10 companies or so. For this group I plan to trim regularly to fund the ETFs on top of regular monthly investments.

Eventually, as I get older and want more security, I will aim for 60-70% ETFs, maybe some other assets like gold/real estate/bonds etc, so my main question now is on the ETFs above and your thoughts on adding another or if this would be redundant. I´m considering adding something like FTSE All-World High Dividend Yield Acc (VHYG) or an Emerging Markets/ex-US fund. I´m thinking these may offer broader exposure in the case of downturns, sector rotations, crashes. I´m attracted to high dividend ETF as they may be more stable, defensive, consumer/utility companies but I don´t care for the payout of dividends just the exposure to broader sectors and regions. I´m naturally avoiding anything that´s high-tech or high-US given the above allocation.

Can you give me your thoughts on this? Does an All world Dividend Accumulating ETF make sense or am I just overcomplicating it more? Should I stick to WEBN, LYP6 or any better alternatives?
I expect many of you will say to invest in a Tech sector ETF but I quite enjoy the picking and following and researching of the companies, and want to allocate accordingly e.g. I do not want to invest in PLTR, APPL, TSLA for reasons.

Lastly, I use T212 so many ETF tickers I see suggested in other threads here just aren´t available on that like VTO, QQQ and others.

Thanks!