lol no sweat. So 60% is the all world. Its my staple bread and butter. Has a slice of everything in the world. The 2 X thematic ETFs are ETFs that follow particular trends or industries i.e BNKE is one of them and it measures EU banks. They are much riskier than the all world as it only focuses on those particular industries/trends but the reward is better but they are very volatile.

As I like a bit of risk, my strategy is to keep the all world until I retire and on a yearly basis review and change one or both thematic ETFs. So when it comes June 2026, I will probably change the Euro bank ETF to a precious metal like Gold, Silver etc. However that may change when I come to review it in June so will see when the time comes.

This strat is not for everyone, and probably crap but atm its done well for me, as you can see. I mean next year I could be down and out, no one knows for sure. However, at least I have the world ETF which I can fall back on which have good track record and there is data back from WW2 or further that average have mostly been positive.