Just use US index ETFs. However, my brother worked in that space. In case you are wondering, you are missing some things that you might want: 1. preferred rate

Just use US index ETFs. However, my brother worked in that space. In case you are wondering, you are missing some things that you might want: 1. preferred rates in mortgage space and others. These rates can sometimes be 0.25-0.5% lower than your best open market rate. 2. borrow against your portfolio. Your pay some points over SOFR rate. This way, you don't trigger tax event or liquidate your portfolio. 3. access to structured products that have upside and downside protection. this is something you most likely don't care about. #1 & #2 are very useful when you have decent assets. #3 is very useful when you have sizeable assets.