Advice

[u/Dependent-Zombie8420]

I’m 24 and planning to invest around $800 per month for the next 15+ years. I’m currently investing $400/month into BGBL.
After doing some research, I was initially thinking of building a portfolio with 6 ETFs:
• $400 BGBL
• $100 Australian shares
• $60 emerging markets
• $50 NDQ
• $140 bonds
• $50 gold
But now I’m wondering if I’m overcomplicating things and would be better off narrowing it down to just 3 ETFs.
I’m aiming for a moderate-risk portfolio with good long-term growth, decent diversification and minimal unnecessary overlap.
Would you guys stick with something like BGBL + Australian shares + bonds, or keep some exposure to emerging markets, NDQ or gold?
Would really appreciate your thoughts!