No. of Recommendations: 7
What's wrong with what you have?............. the structure sounds fine.
From Morgan Housel, "The Psychology of Money" (Thanks to the one who posted that book tip here):
Smart, informed, and reasonable people can disagree in finance, because people have vastly different goals and desires. There is no single right answer; just the answer that works for you........ Every investor should pick a strategy that has the highest odds of successfully meeting their goals
Wise words, resulting here in: Whether the structure is fine or not depends on the goals one has and can't be assessed without knowing those.