World ETF triad with savings plan 2026–2031

The goal is to build wealth over at least 5 years with a monthly savings plan, without individual values ​​and without market timing. Target weighting: 60% MSCI World, 15% EM IMI, 5% World Small Cap, 15% bonds (Global Aggregate EUR-hedged + Eurozone government bonds), 5% money market as a liquidity buffer. Rebalancing once a year in January or when a position deviates from the target quota by more than 5 percentage points, primarily via savings rates rather than sales. Risk: an equity share of 80% means drawdowns of 30-40% in crises that have to be sat out; USD cluster of around 45% is deliberately not hedged. What the depot is NOT: no themed bets, no factor games, no crypto, no leveraged products. Macro framework 2026-10-04: Fed increased to 3.75-4.00% on 2026-09-16 for the first time since 2023 (XTB/ZDFheute 2026-09-16), ECB deposit rate at 2.5% since 2026-09-10 (ZDFheute 2026-09-10), SNB at 0 % (FuW 2026-09-24). Brent by 100 USD (aktien.news 2026-10-04).