Portfolio Diversification
I’ve had Raiz for just under a year now and have shifted between the sapphire portfolio and the aggressive portfolio. I have never really looked all that much into the portfolio makeup but noticed that it is heavily reliant on the Australian market which and has little exposure to the international markets. Personally I don’t have a tonne of faith in seeing gains in my portfolio by having 54% of the portfolio locked into the S&P/ASX but I have just made a portfolio which solely focusses on ETFs as I am looking to use this portfolio largely as a set, have daily top ups and forget about it.
I’m curious if anyone else has gone down this rabbit hole creating their own long term ETF mix instead of using the default Raiz portfolios.
If you’ve built your own long term ETF portfolio using Raiz and can share how you structured it, I’d really appreciate hearing different approaches. I’m especially interested in how people have balanced their exposure with international ETFs, and how those portfolios have performed over time. Any recommendations, perspectives, or examples of how you’ve split things would be super helpful.