I’ve been putting off this project for the past ~18 months. Most resources I’ve found focus primarily on US-based investors. Sadly, most of the assets listed in those resources are unavailable to investors located in other parts of the world.

What came to my rescue was the Banker on Wheels blog. I did not find any other resource that came even close to this one. It was a one-stop shop for my use case. In less than a month, I’ve collected more than enough knowledge to create a portfolio based on my current needs and risk profile.

What worked for me was starting with the Portfolio Construction Investing Guide and reading all the linked materials. It took me about 20 hours to empty my reading list. After that, I was set on my goals and expectations for my portfolio.

Portfolio Breakdown

You can see my portfolio breakdown below. Keep in mind that my current investment horizon is 7+ years.

World EquitiesVanguard FTSE All-World UCITS ETFIE00BK5BQT8060%
US MarketVanguard S&P 500 UCITS ETFIE00BFMXXD5410%
GoldiShares Physical Gold ETCIE00B4ND36027%
Aggregate BondsiShares Core Global Aggregate Bond UCITS ETFIE00BDBRDM3523%


I can’t explain how helpful ChatGPT was for me over the past month. Discovering a new domain can be intimidating. The vast array of unfamiliar terms, tools, and acronyms can quickly accumulate, making it challenging to navigate through the intricacies of a new field. ChatGPT has made this experience a slightly smoother journey.


Goal: maximize returns while spending the least possible amount of time managing the investment portfolio.

Problem: My knowledge of this topic is very basic. The fact that most resources are aimed at US-based investors does not help.

Solution: Banker on Wheels