do what you feel comfortable in, honestly. what works for some, doesn't always work for othershaha oke seeing your reply it's:
(XET) VANGUARD FTSE ALL-WORLD ETF Accumulation (IE00BK5BQT80)
(EAM) Vanguard USD Treasury Bond UCITS ETF Distrubuting (IE00BZ163M45)
even though i've laid it a pretty good blueprint, try it out first
and then when you have it working for you, try experimenting further.