As you understand the universal portfolios, but for myself I would have done so.
XLK — 20%
Xly — 35%
XLV — 35%
Xlu — 10%
XLK — Technology Select Sector SPDR
XLY — Consumer Discretionary Select Sector SPDR —
XLV — Health Care Select Sector SPDR
XLU — Utilities Select Sector SPDR
Why exactly such a portfolio? Because this composition gives the best coefficient of Sharpe and lies on the efficiency curve. That is, it gives a maximum return with 13% volatility.
What else is needed? You still need bonds and gold as anti-corrosive to Risk-ONU.
We do not advise any stocks for self-control — since stocks require active management.
Always analyze the paper and buy and sell only in accordance with your strategy.
You have no strategy yet?