€4.3M FI Portfolio – Too Little Risk?

I’m 35 years old. Sold my business a few years ago and have a portfolio worth 4.3M EUR. FI but having a new business now that’s doing well, not taking out any salary though.

Situation: • Main residency without mortgage (est. worth 750K EUR)

Portfolio of 4.3M EUR with: • 65% stocks • 25% bonds (individual government bond ladder yielding 2-2.3% net) • 5% gold • 1% crypto • 4% cash

Basically, a “stay rich” portfolio. Our spend is around 75K EUR a year, so about 1.75% of the portfolio.

Wondering if my bond/cash allocation is too high, as it’ll drag down performance long term?

Would love to hear your thoughts, or any adjustments you’d make to the portfolio.

submitted by /u/Dapper_Ad_5952
[link] [comments]