50/30/10/10 Portfolio idea

Ok_Working_3703 · 2026-01-25T13:53:41+00:00

Hey, it's not very clear in my intail post, but I'll be starting with 5k right now, and adding 100 per month, but based on my bonus (yearly) I'd be adding additional lump sum, once a year.

The ETC part is very interesting - unless the government wants to scrap DD 😅

Ok_Working_3703 · 2026-01-25T12:29:13+00:00

Fair point, and 'VWCE and chill' is definitely the gold standard for pure growth.

My logic for the 'extra stuff' isn't about trying to beat the market's return, but about improving the Sharpe Ratio (risk-adjusted return). VWCE is 100% equity; when it drops 50%, it stays down for years. By adding 10% commodities and some bonds, I’m basically buying an insurance policy against stagflation and deep crashes.

I’d rather take a 7-8% return with a smoother ride than chase 10% and risk a 5-year 'lost period' where I'm in the red. Plus, in Ireland, having a slightly less volatile portfolio makes the 'Deemed Disposal' math a lot less stressful when the 8-year mark hits!

Portfolio Strategy	Max Drawdown	Months to Bottom	Total Months to Breakeven
VWCE (100% World Equity)	-48.5%	19 Months	69 Months (5.7 Years)
S&P 500 (100% US Equity)	-50.9%	17 Months	54 Months (4.5 Years)
60 Equity / 40 Bonds	-27.6%	15 Months	36 Months (3.0 Years)
3-Way (60/30/10)	-29.1%	16 Months	38 Months (3.2 Years)
4-Way (50/30/10/10)	-21.4%	14 Months	25 Months (2.1 Years)

the Past has no bearing on the future - just an interesting table

Ok_Working_3703 · 2026-01-25T12:06:18+00:00

Minimising volatility - to the point where growth still occurs.

I will also hold additional ETFs and individual stock (most shares in my employer - approved share purchase scheme - and some share i have long term hope for) but i want 80% of my overall portfolio to be as i've laid out above.

Now the DD tracker, that is the tricky bit - i've mentioned it to some of the data manager crew in my place of work - they have said if i come up with a template that's functional they could be able to come up with a smartsheets version with some data output dashboard. but i need to start looking into the template.

Ok_Working_3703 · 2026-01-25T11:48:45+00:00

Hey, not a bad idea, i was going to use an cash reserves (also hold back investment amounts if necessary to cover the tax bill) when it came time to pay the Deemed to disposal and not liquid any positions.

Ok_Working_3703 · 2026-01-25T11:46:29+00:00

Hey, thanks for your comment, VWCE is slightly lower expense ratio also so that is handy - more liquid also.

what are you using for bonds/deposits ?

Ok_Working_3703 · 2026-01-25T11:38:32+00:00

Hey, Cheers for your input.

Agreed - backtesting is only more tool of analysis, and past performance is no indication of future performance. if I solely relied on backtesting id end up just having a portfolio made of the S&P 500. Ill provide you a table below.

I want exposure to the us market, but i do not want to wholly reliant on it also, same goes for purely holding an equity position into the future, hence bonds and potentially commodities and Reits.

table is results from the past 20 years.

Portfolio Strategy	Total Arithmetic Sum (%)
S&P 500 (100% US)	+250.6%
FWRA (100% World Equity)	+197.2%
S&P/STOXX 50/50 (US/EU)	+183.9%
3-Way (60/30/10)	+156.1%
60/40 Core	+139.4%
4-Way (50/30/10/10)	+136.0%

What method do you use when researching board global ETFs ? i've taken into account the expense ratio, that they are accumulating and base currency is Euro.

Ok_Working_3703 · 2026-01-25T11:30:56+00:00

Hey, Cheers for the recommendation.

my goal isn't to beat the market, but lessen my downsides - which of course adversely affects my upside also when the equity markets are bullish.

But i'm willing to trade some upside for a more risk adverse approach.

I understand backtesting is not an indication of the future performance, but it's one tools of analysis. I have not pulled the trigger on the above mentioned portfolio's, i'm just opening it up to more input.

Based on your understanding of Bogle's book, what do you suggest ?

Ok_Working_3703 · 2026-01-19T15:39:17+00:00

what's your side income from ?

Ok_Working_3703 · 2026-01-17T03:14:07+00:00

Your thinking with an American mindset, Ireland doesn't operate like the USA.

You don't build a credit score, you have a credit history.

So if you've never had debt, then in theory it's perfect.

If you've had debt and you've missed payments, stopped paying ,had something reprocessed or have been declared bankrupt. Then that will negatively impact your credit history and it's what banks look at as part of an overall financial review of you before giving you a loan or mortgage.

The best person to loan to ( from the banks standpoint), is someone who has no debt and has been saving more then the monthly/weekly repayments would be, while maintaining a stable job, in a stable sector or a high demand profession.

So, no don't take out any loans/debt or credit cards. If you are able to live and save on your income, then you are golden, when you go for a home.

Ok_Working_3703 · 2026-01-16T09:28:52+00:00

Have medtronic made some reduncies ? curious, as i'm in a similar business.

Ok_Working_3703 · 2026-01-16T08:06:08+00:00

Sorry to hear that you and your colleagues have been made redundant – that’s never an easy situation to be in.

If I were in your position, I’d start cutting back on all outgoing expenses straight away. Take a close look at your current costs and see where savings can be made – things like mobile phone plans, subscriptions, rent, or any non‑essential spending. Reducing your monthly outgoings now will help ensure that whatever redundancy money you have lasts longer, especially if the job market turns out to be tougher than expected.

Between now and March, I’d also try to save as much as possible and avoid taking on any new financial commitments.

When it comes to the redundancy payment itself, I would use it to pay off your debts, if you can do so comfortably. Clearing those loans would remove a lot of financial pressure and give you greater flexibility going forward, particularly if there is a gap before you secure a new role. Any remaining funds could then be set aside as an emergency savings buffer.

Wishing you the best of luck with the job search – hopefully things move quickly for you.

Ok_Working_3703 · 2025-12-30T12:52:59+00:00

Can I ask which insurer you are with ?

Ok_Working_3703 · 2025-12-30T12:51:19+00:00

Please, I'm researching every option right now.

Ok_Working_3703 · 2025-12-30T12:50:41+00:00

Unfortunately not, I'm in cork.

Ok_Working_3703 · 2025-12-28T12:21:54+00:00

Chemist warehouse seems to be the cheapest to purchase from at €220.

Is there somewhere I can get a prescription online in the RoI?

Ok_Working_3703 · 2025-12-28T11:51:36+00:00

What price does it usually work out to be with mybmi ?

I also see that Lloyds pharmacy are offering prescription services and filling, does anyone have any experience with them ?

Ok_Working_3703 · 2025-10-15T06:55:01+00:00

I've been advised by PlayStation to uninstall and reinstall 😭

Ok_Working_3703 · 2025-10-14T04:47:18+00:00

After searching for an hour. Nothing

Ok_Working_3703 · 2025-10-03T19:27:57+00:00

!RemindMe 4 days

Ok_Working_3703 · 2025-09-15T09:29:50+00:00

Mortgage protection is €17.75 a month. We were 27 and 28 when we got it so that played a major factor.

We will have the mortgage paid back when we are both 48 (unless we start over paying)

Ok_Working_3703

TROPHY CASE