Our target ETF allocation is the following:
Description | % Allocation | Ticker |
Long bond | 5.00% | CBU7 |
Short bond | 15.00% | TIPS |
Commodity | 5.00% | COMF |
Gold | 10.00% | AUCO |
SP500 | 7.50% | CSPX |
Small-Cap | 15.00% | IMAE |
Europe | 10.00% | SXRG |
REIT | 10.00% | EPRU |
Pacific | 10.00% | CPXJ |
Emerging | 12.50% | IEMA |
We currently have a total of 30 315.94€ – in our ETF Portfolio. (updated 02-01-2021)

Progress is the following:

Knowing that we had the following values:
01/01/2020 – 23 549,05
12/03/2020 – we invested 5 000
31/12/2020 – 30 315,94
Our XIRR for 2020 is 6,41%.
Our total XIRR since moving the portfolio 09/2019 is 8,65% (base value 22 501,78 €) and the total return (total value – all investments done) is 2 925,11 € which means 10,65%.
Dont forget to check our latest update.
We also use the broker Degiro which has the lowest rates on the market from Portugal.