CGCP
Capital Group Core Plus Income ETF
stock NYSE ETF

here's my 2 cents:
**STOCKS**
if you want stability, I'd recommend a "low volatility" ETF for most of the stocks. These select stocks that have less crazy ups & downs. the gains will be lower, but this type of ETF can protect from crashes if the goal is a bit more safety or you're worried about freaking out in a crash.
For example, VT is basically the global stock market, and ACWV is a global low volatility ETF. In the 2022 inflation shock, VT dropped 27% but ACWV dropped 19%. In the 2020 covid crash, VT dropped 34% but ACWV dropped only 28%.
you may also want to look at CGDV. It's a newer ETF from Capital Group, but loosely modeled on their fund AMFFX which goes back to the 1950s. Both have the specific goal of stability during crashes or downturns. In the 2022 crash, the S&P 500 dropped more than CGDV.
**BONDS**
shorter term bonds are more stable than long-term term bonds, so I'd recommend maybe SGOV or TBIL which are very short-term US treasuries and function basically like a money market: very steady. along with something like GVI or CGCP which are a mix of slightly longer term bonds with higher yield and more potential for a bit of growth.
**OVERALL PORTFOLIO**
this is just my idea after a few minutes, but something to consider:
- 30% ACWV
- 30% CGDV
- 20% SGOV/TBIL
- 20% GIV/CGCO
I did a little online test, and found over the last ~3 years, this portfolio had a maximum drop of 4% compared to 8-9% for the overall US market. the 'standard deviation' was 6% vs. 13% for the overall market, meaning it's less volatile ... the ups & downs are more gentle.
the average annual returns were a healthy 12% for my portfolio, vs. 21% for the overall US market. 12% is a very good return.
this is just a few quick and dirty analysis, but I hope you see the concept. the link for my test is here where you can see the charts and data. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=1mcrU1jfi9LUHcfGfkZXhl

here's my 2 cents:
**STOCKS**
if you want stability, I'd recommend a "low volatility" ETF for most of the stocks. These select stocks that have less crazy ups & downs. the gains will be lower, but this type of ETF can protect from crashes if the goal is a bit more safety or you're worried about freaking out in a crash.
For example, VT is basically the global stock market, and ACWV is a global low volatility ETF. In the 2022 inflation shock, VT dropped 27% but ACWV dropped 19%. In the 2020 covid crash, VT dropped 34% but ACWV dropped only 28%.
you may also want to look at CGDV. It's a newer ETF from Capital Group, but loosely modeled on their fund AMFFX which goes back to the 1950s. Both have the specific goal of stability during crashes or downturns. In the 2022 crash, the S&P 500 dropped more than CGDV.
**BONDS**
shorter term bonds are more stable than long-term term bonds, so I'd recommend maybe SGOV or TBIL which are very short-term US treasuries and function basically like a money market: very steady. along with something like GVI or CGCP which are a mix of slightly longer term bonds with higher yield and more potential for a bit of growth.
**OVERALL PORTFOLIO**
this is just my idea after a few minutes, but something to consider:
- 30% ACWV
- 30% CGDV
- 20% SGOV/TBIL
- 20% GIV/CGCO
I did a little online test, and found over the last ~3 years, this portfolio had a maximum drop of 4% compared to 8-9% for the overall US market. the 'standard deviation' was 6% vs. 13% for the overall market, meaning it's less volatile ... the ups & downs are more gentle.
the average annual returns were a healthy 12% for my portfolio, vs. 21% for the overall US market. 12% is a very good return.
this is just a few quick and dirty analysis, but I hope you see the concept. the link for my test is here where you can see the charts and data. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=1mcrU1jfi9LUHcfGfkZXhl