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@alanpartridge They are not selling anything secret here. All this thing is doing are automatic investments in ETFs with automated rebalancing for a fee. This is not some mystic trading algo that makes money out of nothing, this is just a simple "survey-tool" to calculate your assets...

@aquarius1985 I've shared my Portfolio in another thread in this /r: Small caps, Mid caps and Large caps are already part of MSCI World and STOXX600, so no need to diversify anything because it already is. I'm not really interested in REITs, there are a good amount of real-estate stocks in...

@aquarius1985 Disclaimer: only my personal opinion. I would bump up MSCI World to at least 50% I would add a MSCI EM ETF with 5-15% I would either weight the DAX with a max of 20%, or replace with STOXX600 (see below) I would kick out the Bonds (see below) The difference between the TER's...