# How I’m keeping my portfolio simple in 2026 (and actually sticking with it)

**URL:** <https://community.trading212.com/t/how-i-m-keeping-my-portfolio-simple-in-2026-and-actually-sticking-with-it/91477>\
**Category:** 📊 Investing\
**Created:** [April 25, 2026, 4:42pm UTC](https://community.trading212.com/t/how-i-m-keeping-my-portfolio-simple-in-2026-and-actually-sticking-with-it/91477 "2026-04-25T16:42:01Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![gaga](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/gaga/32/28103_2.png) [@gaga](https://community.trading212.com/u/gaga)\
**Post date:** [April 25, 2026, 4:42pm UTC](https://community.trading212.com/t/how-i-m-keeping-my-portfolio-simple-in-2026-and-actually-sticking-with-it/91477/1 "2026-04-25T16:42:01Z")

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Hi everyone,

I’m fairly new to the Trading 212 community and I’ve been trying to keep my approach as simple as possible this year, mostly because complexity is where I usually mess things up.

My current “rules” are:

- Keep the core boring: broad index ETFs first, then anything else is optional
- Use a small “play money” bucket if I want to scratch the itch (and keep it truly small)
- Rebalance on a schedule, not based on news or feelings
- Don’t change the plan after one bad week (or one good week)

The tricky part for me is deciding when a change is a genuine improvement vs. just performance chasing. For example: switching ETF choices because of fees/structure/tax reasons feels rational, but switching because something had a great 6 months usually isn’t.

Curious how you guys handle this:  
Do you have a “cooling-off” rule before changing a Pie or adding/removing holdings? If yes, how long?

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**Author:** ![Sheepfoot](https://avatars.discourse-cdn.com/v4/letter/s/8491ac/32.png) [@Sheepfoot](https://community.trading212.com/u/Sheepfoot)\
**Post date:** [April 25, 2026, 6:19pm UTC](https://community.trading212.com/t/how-i-m-keeping-my-portfolio-simple-in-2026-and-actually-sticking-with-it/91477/2 "2026-04-25T18:19:23Z")

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They are good rules. Just one point. Don’t rebalance on a schedule. Set a limit for percentage drift (say 5% of the total investment) and balance when the limit is exceeded.

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**Author:** ![Sheepfoot](https://avatars.discourse-cdn.com/v4/letter/s/8491ac/32.png) [@Sheepfoot](https://community.trading212.com/u/Sheepfoot)\
**Post date:** [April 25, 2026, 6:33pm UTC](https://community.trading212.com/t/how-i-m-keeping-my-portfolio-simple-in-2026-and-actually-sticking-with-it/91477/3 "2026-04-25T18:33:01Z")

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As an example, I have just invested a lump sum in a new pie as recommended by Google Gemini. It’s 50% S&P, 25% defence and 25% semiconductors. Since the start these have drifted to 49+%, 21+% and 29+%\< respectively. It looks like there last one might break 30%\> then I’ll rebalance.