Hey everyone, I’m a non-US citizen and I’ve mainly been investing in individual stocks + VOO for a while.
Recently I learned about US estate tax exposure for non-US investors holding US-domiciled ETFs, so I’m planning to move to a UCITS ETF portfolio instead. I also want to reduce complexity, stop owning too many individual stocks, and just DCA consistently into a small set of ETFs. My plan is to make a small lump sum contribution, then DCA monthly.
**Proposed portfolio (UCITS):**
* **VWRA (Global equity)** — **60%**
* **EQQU (Nasdaq 100)** — **20%**
* **Robotics & Automation ETF** — **10%**
* **Gold + Crypto** — **10%** (for diversification / hedge)
**Questions I’d love feedback on:**
1. Does this make sense as a long-term “set and forget” portfolio for a non-US investor?
2. Is 20% Nasdaq 100 too concentrated given VWRA already includes big US tech?
3. Is 10% Robotics/Automation EFT a sensible “specialized” position, or am I better off just sticking to broad market?
4. For the 10% Gold + Crypto bucket — does that allocation make sense, and how would you split it (e.g., 5/5, 7/3, etc.)?
Appreciate any advice. Thanks.