This goal has the following fine print specified by tjb:
Every 12 months (6 months until major purchase), I will rebalance my portfolio using fresh savings. The targeted asset allocation is:
* 60% MSCI World
* 35% certificate of deposit
* 5% money market account
The MSCI World position is LU1781541179 at the time of writing. (The choice of security is reviewed at each rebalancing. ACWI or World + EM can be substituted for MSCI World once it becomes "cheap".)
The fixed income positions will go into the highest yielding account recommended by finanztip.de.
There is a 3% no-trade threshold, except I will lock into gains if tax advantages outweigh the trading costs.
I will put a strong focus on cutting costs (including tax leakage), exclusively passive investment, and buy-and-hold-and-rebalance investment. Market timing is strictly forbidden. In case the rules are unclear, I will imitate whatever the Norwegian sovereign oil fund does. (See also http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2139915)
1 point per completed rebalance-and-retrohatched-to-expiry-of-certificate-of-deposit.