ADD kILO.B, MS , ROBO

The addition of KILO.B, MS, and ROBO to your portfolio diversifies your holdings across different sectors and themes. Here's how you might consider integrating these ETFs into your existing allocation:

1. **Purpose Gold Bullion Fund (KILO.B)**: 5%
- KILO.B is a non-fx hedged ETF that provides exposure to gold bullion. Its dividend yield is currently not available, indicating it may not be a primary income generator. Given its focus on gold, it could be used to hedge against portfolio risk or as a store of value in times of market uncertainty.
2. **Morgan Stanley (MS)**: 10%
- MS, as a financial institution, offers exposure to the investment banking and brokerage sector. Its dividend yield of 3.38% makes it an attractive option for income-focused portfolios. Given its role in financial services, it could be sensitive to market interest rates and economic health.
3. **ROBO Global Robotics and Automation Index ETF (ROBO)**: 10%
- ROBO focuses on the robotics and automation sectors, benefiting from the expected growth in industrial robotics and AI. Its dividend yield of 0.65% is modest, suggesting it is primarily a growth play rather than a significant income generator.

When integrating these ETFs, consider the following:

* **Sector Rotation**: MS provides a strong foothold in financial services, which can be a defensive position in volatile markets. KILO.B offers a unique hedge against portfolio risk through its gold exposure, while ROBO leverages the growing robotics and AI trend.
* **Risk Management**: The addition of KILO.B can help balance the portfolio's risk profile, while MS and ROBO bring growth potential. However, the high expense ratio of ROBO (0.95%) should be weighed against its growth prospects.
* **Income Generation**: While ROBO and MS offer some dividend yield, KILO.B does not pay dividends, making it less suitable for income-focused strategies. Adjust your allocation based on your personal need for income and risk tolerance.

In summary, KILO.B, MS, and ROBO offer distinct profiles that can enhance your portfolio's diversification and risk management. Adjust the percentages based on your investment goals, risk tolerance, and the need for income generation.