Asset Diversification

Financial independence currency allocation:

Currency	October 2011	June 2012	February 2013	June 2015	December 2015*
EUR	26.5%	25%	13%	68%	93%
GBP	50%	41%	30%	29%	0%
RUB	21.6%	18%	14%	7%	7%
USD	1.9%	15%	43%	0%	0%

*Aspired

I wish I could have more direct exposure to USD, however Western European banks do not allow direct exposure to the USD. A lot of the EU brokerage firms excluding products trading on the US exchange rates  as these are non-AFM (Authority for the Financial Markets) registered investment funds. AFM. This is responsible for supervising business conduct, which focuses on providing:

- Orderly and transparent financial market processes;

- Transparency between market participants;

- Due care in the treatment of customers.

So they excluded Vanguard S&P 500 and Emerging markets sold in US on the USA exchanges. I think they are doing it to reduce US tax entanglements with these.

Many EU brokerage funds removed products listed on the stock exchanges in Israel, South Africa, New Zealand and Russia.

My assets allocation over the last 4 years:

Assets	October 2011	June 2012	February 2013	June 2015	December 2015*
ETFs	14%	26%	20%	19%	48%
Equities	4.3%	18%	13%	49%	49%
Precious metals	7.7%	8%	5.7%	3%	3%
Cash	74%	48%	61.3%	29%	0%

From 2015 I will be using additional allocation table, as provides better understanding with the exposure per market, as well as cumulative yield:

Assets	June 2015	December 2015*
The USA	14%	14%
The EU	5%	34%
Emerging markets	49%	49%
Precious metals	3%	3%
Cash	29%	0%
Dividends Yield	8,500 USD	10,200 USD
Dividends Yield %	2.7%	3.3%

*Aspired

Dividends yield is very important towards financial independence than market price of the product. If you want to live off the income, you can only focus what you can generate.  In overall index trackers are very conservative approach in give you between 1.8-2% return in dividends before taxes.  

If I invest ~50K USD a year it will generate $1.5K USD in dividends.  Roughly it will take me another 25 years to get financial independence at the current rate. There is two options: curtail some of the needs or start squirrelling more money away.