Disclaimers first. I am more than 10 years from retirement hence a high-risk portfolio and this is what I have bought and balanced the values when I added the new R33k this tax year.
Global emerged market exposure nice and simple. One could go with the S&P500 ETF, geographies are the same but in DBXWD financials are the largest sector while in the S&P500 IT is the largest. Which will be better? I have no idea nor do I care to try and guess but I have been buying DBXWD for years and am happy with it.
The Top40 equal weight ETF. I will always take equal weight over market cap weighting as it reduces the large stocks exposure (in Top40 right now the top 7 stocks are over 50% of the index).
Always some property as a different asset class with decent yields and this one is top ten equal weighted. One could also use the new Satrix Property (STXPRO) which tracks the S&P SA Composite Property Capped Index and caps the stocks at 10%. Alternatively the offshore GLPROP (DBXWD has some 5% in global property).