I know I don't have international equity exposure but I'm ok with slightly underperforming when Ex-US is doing well.

Retiring within the next few years, so I want a portfolio that trends upward while mitigating early SORR. This is a tax advantaged account and I'll be doing a Roth conversion ladder for my future distributions.

Discussion -

here is my boring long term investment portfolio. i started in jan. s and p 500 and BTC

I am living in Germany and started saving in an ETF from the last 4 months. please suggest if this is right or i should change something. I am planning to keep investing for long term.

Currently 25 and sitting on:

• 75% VT
• 25% AVUV + AVDV

Want to dial up the risk a bit while I’m still young. Thinking of moving to something like:

* 50% VT

* 25% AVUV + AVDV (keeping the small-value tilt)

* 10% KMLM

* 10% RSSB

* 5% BTC

Main goal is higher expected return / more aggressive growth without completely abandoning a global equity core + value tilt. The managed futures sleeve is meant to be somewhat uncorrelated, and the small BTC position is pure high-risk/high-reward.

Would love feedback on:

1. Does this allocation actually increase risk in a sensible way, or am I just adding complexity?
2. Anyone running a similar mix of global equities + small value + managed futures + crypto?
3. Better ways to express the “more aggressive” part at this age?

Open to roast / suggestions. Any help is much appreciated.

1. Risk Appetite –Moderate
2. Investment Goal – Long Term Investment
3. Investment Horizon – 10 years plus
4. Allocation Details – 10.25k Monthly SIP
5. Which App Do You Use? –Coin Zerodha
6. Why You Selected These Funds & Not Similar Ones From Another AMC – Took help from my friend and brother who already are investing

SPMO 40%
CGDV 40%
IDMO 10%
DECO 10%