When boring is good | the value of peace of mind
Published on HivePostify by @rainbowdash4l · Tue Jun 09 2026
The developments with my wife’s illness forced me to make different choices and changed my risk appitite for the time being. Days like yesterday where we spend the whole day at the acute stay in the emergency department, showed that we have enough uncertaincy in our lives right now. Our financial situation changes as we face lots of medical costs (and cost to make home adjustments to make it suitable for the new situation), plus we should see changes in income due to the new situation. It is what it is… but it is also something that I can prepare myself financially on (to an extend).
I am greatly reducing my exposure to crypto, not because I no longer believe in it, but because I can no longer afford losing it all. Therefore my first step was to take out a big chunk of my assets and dedicate a bank account to medical expenses. All costs related to the threatment will now be more easily administrated (as I can write almost everything off from my 2026 income taxes) - taking a huge bite out of my investment portfolio hurts, but is the move to make as it ensures we know we have a few sandbags ready for the rougher periods.
While this is still logical (yet painful) - I wanted to maintain some exposure to investing. For that I went back to my F&I roots and set up a balanced portfolio that won’t get me rich overnight but will take away the need to actively manage my portfolio, includes multiple hedges and still allows me to capture some future growth.
I wanted to share the setup here, explain the mechanics and ofcourse curious about how you view this setup!
The idea:
My setup is using larger liquid and low cost etf’s. I add new money via DCA to avoid any need to time the market. Whereas my main growth driver is the all world etf (60%) The remaining 40% all have a specific purpose:
- Bonds (15%) Provide stability and help reduce portfolio volatility during economic lesser times (generates dividends) - Cash (5%) liquidity reserve, allowing opportunistic investments during market corrections (but idle in bullish times) - Gold (5%) the common hedge against financial crises, geopolitical uncertainty and currency debasement (but doesn’t generate income) - Real Estate (5%) exposure to real assets that offers partial protection against inflation (generates income) - Inflation-Linked Bonds (5%) Help preserve purchasing power by adjusting with inflation, protecting against unexpected rises in consumer prices (small income, most of the hedge is in the inflation correction of the underlying assets) - Emerging Markets (5%) While not a traditional hedge, this allocation diversifies geographical and economic exposure beyond developed markets specifically interesting now with the global instability
Managing this portfolio is rather easy. I made a spreadsheet where I included both the target % allocation aswell as the actual % allocation. When it is time to add new funds I just look at the ranges that I set out for each asset class:
- If all assets are within their target range, I simply add my funds to “all world” + cash reserve. - If an asset is below the target range I use my funds to increase that %. - If an asset is above the target range I just let it delute over time rather than actively selling it - with gold and cash I am a little more active (meaning actively reducing them when out of range) as these do not generate income by themselves (but are extra valuable when everything else is down).
(Edit: specifically I use these assets:)
Long story short; current situation forces me to make some changes, set up robust balanced portfolio that does capture some growth
Tags: #investing#finance#portfolio#riskmanagement#cancer#tradfi