Millikan preparation for 2026 | ITA Wealth Management

As we approach the fourth quarter of 2025, I will set up portfolios for 2026. The prospects are less promising for the coming year compared to 2025, so a more conservative approach is logical. The new assets allocation for the Millikan is designed as a little more recession certificate compared to the previous allocation.

Millikan Asset Allocation Adjustment

Note the addition of two raw materials, GND and BTCO. The percentages are quite low because dipping in Bitcoin is somewhat a test. The two bond -ETFs and real estate (VNQ) must add some income that can then be used to keep other assets close to the target percentages.

Although I have set the target for SHV at 0%, there will probably always be shares that are held in this ETF. Instead of leaving cash on a money market that attracts almost zero interest, I will move the money market in cash to SHV if there are no donkeys under goal. This makes sense when the updates take place. At least I will try to explain carefully what I do when moving cash from the Geldmarkt to SHV and then to the recommended activa class.

Millikan Herbalancing of recommendations

It will probably require some cycles or updates before all activa classes are in balance or close to the target percentages. The goal is to keep each active within a few percentage points of the target goals. SCHD will eventually be replaced by VYM.

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