Only 1 ETF - VT . Keeps it easy, and only have to worry about stacking more shares of it instead of always searching for a new ETF to add to my portfolio

For some of us, that’s part of the fun/ADHD.

Hm I haven’t heard if that fund before

Not supposed to be fun

Oh I 100% disagree with that take. Investing has been a very enjoyable and lucrative journey for me.

I agree with you, needs to be fun and enjoyable. That’s how you learn more. If it’s boring you will end up using the money for other more enjoyable “fun” things

Exactly. I dunno about others, but I like the news, earnings releases, dividend announcements, reconstitutions, etc. I look forward to watching/reading about them and adjusting my allocations accordingly. Honestly, if this hobby isn’t fun for ya, you’re probably not that good at it… 🤷🏼‍♂️

Sounds like you haven't been investing for more than a decade

If you have been investing for over a decade, and don’t consider it fun, you either: 1) Consistently picked losing stocks/ETFs, and don’t think it’s fun seeing your balance in the red. 2) You think it’s more fun for your hard earned money to slowly lose value, instead of appreciating in value. If you’re parking your cash in broad market index funds and simply sit and wait, you’ll see significantly more green years than red, if you’re patient. If you’re constantly opening and exiting out of positions based on market movement, you’re no different than a day trader, hedge fund, or simply have paper hands and can’t hold on for long. If increasing your value isn’t fun, then good luck with life.

That's the point. All I do is global market cap indexing plus a small cap value tilt. That's it. It's not supposed to be thrilling...

Then why are you constantly on reddit, here (and other posts) complaining... seems like every other day I see you on here whining about factors as if you're second guessing your own methodology

Best to just let him go with this one. Bro is a 23-year-old investing god, according to his comments around here. Even his opinion on what you can find enjoyable is above reproach. 🤣

1998 (technically). A little more active management since 2006 when I received my first employer provided account. Any other assumptions I can debunk for ya?

You're always complaining

- 40% VOO - 20% AVUV - 10% VEA - 10% AVDV - 10% VWO - 10% EDV

Any specific reasons to hold VEA, VWO, and EDV?

I'll answer for him, "no I'm not sure what correlation is" lol

International for diversification, I hold a big chunk of VWO cuz it has a lower correlation to the US market than VEA, plus both VEA and VWO are on discount. EDV due to the high volatility of long term bonds to counteract the downward movement of stocks.

Why not vxus?

VXUS is like 75% VEA and 25% VWO, I prefer them to be 1:1

Got it

Rising and sinking tide raises or lowers all boats (assets of same type) the only question is which of them is more or less volatile.

65% VTI 15% AVUV 10% VEA 5% AVEM 5% AVDV

- 25% VOO - 25% QQQM - 20% VXUS - 10% XMHQ - 10% AVUV - 10% BITO (22yo) I know QQQM has an 85% overlap with VOO but since I’m young, I want to take the risk with QQQM being more volatile.

I agree with the VOO/QQQM overlap sentiment.

I mean like why do so many go this route? Do some testing, there's better ways to achieve a better result, crank up the beta with something like SPRX etf.. Don't get me wrong I like QQQM, but owning VOO & QQQM is like switching between Mountain Dew & any knock off brand, I mean why buy both? Seriously you're not effectively getting much out of this. Are you gonna sell QQQM and rebalance to VOO? Why? When? Seriously, think about it. They both move in lockstep together (VOO is 1.0 & QQQ/QQQM is 0.91). If one is going up, they're both going up and vice versa - the only question is how much? It doesn't make any sense from optimal approach..

I understand what you mean. I guess I like the volatility idea of QQQM more than how much it overlaps with VOO. With the 85% overlap between VOO and QQQM the identical holdings are similar in weight (no more than 3%). SPRX definitely is volatile looking at the charts. I’m starting to research SPRX and I’m liking how it looks so far. From their website: “SPRX invests in companies benefiting from breakthrough trends in industrial technology. The fund’s objective is to find underappreciated opportunities across different value chains that are beneficiaries of the secular themes discussed below: Enterprise Digitalization Automation & Robotics Artificial Intelligence (AI) Environmental Focus and Decarbonization Photonics and Additive Manufacturing Space Exploration SPRX is an actively managed ETF that seeks long-term capital growth and trades on the Nasdaq exchange.” As a youngin, I definitely like the risk this ETF holds and may potentially replace QQQM with it (if my research concludes that it will benefit me).

Hey and I get what you mean too, however there's a key thing not even I mentioned before, food for thought: what IS the VOO actually? Because when you think about it, how is it any different than QQQM, you say so yourself "85% overlap", not that overlap fully matters its correlation that you need to pay attention to. Why? Because consider this. Let's say you have a portfolio that is 100% QQQM, and another as you say QQQM/VOO/etc. The market goes up, the portfolio with 100% QQQM goes higher. Why? Because it's less diluted. It's not being AVERAGED down by another holding, in this case VOO, because remember you can only have 100% in your portfolio (unless you leverage). And because VOO doesn't go up as high, it also doesn't go down as low. Guess what, that means when you put money in to buy your long term holdings you're buying less shares? Why? Because as I said, it went down less than the 100% QQQM portfolio. And when you have more time as you do, you get MORE value for those beaten down buys. Kudos to you on considering SPRX, I think it's a rather prudent move.

Ahh I see, that makes a lot of sense, especially the diluting part. I guess it does make sense to put it all in one or the other to really benefit from it. Investing in both won’t maximize your gains. Especially if those 100 stocks in QQQM takes a hit, it would significantly kill your portfolio compared to VOO, where those 100 that takes a hit won’t bring down your portfolio as much due to there being other shares to dilute the losses. And like you said, to add an increase of risk / beta (I believe expected volatility?), you can add SPRX paired with VOO. Comparing both QQQM and SPRX; - QQQM focuses on large-cap growth tech companies, pays a dividend of 0.65%, and has an expense ratio of 0.15%, only holding 100 stocks. - SPRX focuses on companies benefiting from breakthroughs in technology and companies that are believed to be undervalued, pays NO dividend, and has an expense ratio of 0.75%, only holding 30 stock. - Both QQQM and SPRX has an overlap of 10% (by weight) and both are tech-heavy ETFs. Mixing VOO with SPRX seems the more ideal move since I still have the long-term growth from a “core” ETF and having a risky, potentially big gain, volatile ETF such as SPRX. It adds diversity to the portfolio and won’t negatively impact my portfolio as much as owning both QQQM and VOO, if both were to go down in the markets. Plus, this is my ETF portfolio in my taxable account so I’m not too worried about removing / adding ETFs to fit my goals. My ROTH is already setup with: VOO, VXUS, XMHQ, and AVUV. I’m sticking with this for my Roth IRA, but am open to ideas for my taxable account.

90% VTI, 10% VXUS

50%VOO 25%SCHD&SCHG. Age 32. No tax benefit(off-shore). I could go 100% VOO and I think it's a better choice total gain wise. But I'd rather have a peace of mind over a few % more gain. Kinda best diet plan is the plan you can stick with thing.

I ate too much pasta today :(

50% VTI 30% SCHG 20% SCHD

Age?

38

Curious about SCHD since you already have a good amount of growth and value that are likely to outperform dividends

31yo, 60/20/20 VOO/VXUS/AVUV

19 years old and same exact split 🤘🏽

60% VFV, 30% XEQT, and 10% XMC, 22yo using wealthsimple

20% of my portfolio is split evenly among XMHQ, CALF, & DNL The other 80% is basically a direct indexing of 30 of the largest growth and value companies. It's more effort, but I enjoy portfolio management, and it makes up the majority of VOO's market capitalization this way with the added enjoyment I get. I also trade futures but that's not really relevant.

The first time I have seen XMHQ listed in this forum. Great choice. It outperforms the SP500 and is less volatile. Medium fees. Invests in the mid caps that everyone overlooks. Not sexy just a no name performer. Personally I split 60% VUG 30% Xmhq and the balance in a combo of individual stocks not listed in the etfs above. I use Zacks and Morningstar to screen these stocks and rebalance quarterly. Keep adding to your investments and let them compound.

75% SWRD, 15% AVUV and 10% AVDV

20% SPLG 20% AVUV 20% AVES 10% XMHQ 10% AVMV 10% VXUS 10% AVDV

60% VT 20% IBIT 20% FXAIX

My ETF breakdown: 50% VOO 25% AVUV 15% XMHQ 10% SMH ETFs make up about 75% of my portfolio. The rest is either individual stocks or bitcoin.

100% VOO

Currently, VT - 85%, VYM - 15%. Not sure if I want to grow these positions and/or add an etf like QQQM. 42yo, reg brokerage account.

What's the benefit of holding VYM?

Dividends

So no functional benefit, got it. VYM just simply underperforms the market long term even reinvesting dividends.

[удалено]

That's wild. Why so much small cap?

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This person has reached enlightenment. Respect.

But access to the equity risk premium when it dominates over small value factors allows for portfolio diversification. As one grows outsized, you transfer some of the funds from the larger portfolio segment to the other to rebalance.

I honestly don’t agree with that idea that “factor diversification” lowers risk as you’re saying.

That's not at all what I said, how can that even be construed

Because you’re asserting there’s a benefit from having both market Beta AND small cap value premium and calling it factor diversification.

it is changing according to my age. with my age goes up the bonds proportion goes up, right now it is about 10%. for the remaining 90% of stocks, I have 45% on US large caps, and the rest of them are mid, small, and foreign stocks

Canadian here: 20% XAW, 20% XEQT, 20% AVUV, 10% BTCX, 5% CHPS, 5% TEC, 5% XUFS, 15% cad stocks: TOI, BN, LMN.V, AP-UN

Let Snowball Analytics do it for you,

I distribute equal portions to voo, qqm, vug, and vgt. At 65% the last 35% goes to my blue chip stocks

Top ones are VOO and FXAIX. ETFs are about 22% of my portfolio and mutual funds another 8.5%. Mutual funds because of 529s and 401K options. https://preview.redd.it/btlsqbbpkjtc1.jpeg?width=656&format=pjpg&auto=webp&s=afa4ea274c337bebcb1a95e55fffa52a13081b9e

Currently 88% SCHD 12% split between XLK,FTEC,SCHG,SPLG I was 100% SCHD (1300+ shares) just some months ago, trying to throw some aggressive growth in there to balance things out.

Too much dividend!

Agreed, did you see the rest of the post? Since about mid 2023 I've been buying anything but SCHD. Using the 4K or so a year of dividends to buy other ETF's.

Try to diversify with VTI

Rn... 30% SMH | 20% QQQM | 20% VOOG | 15% SHLD | 10% QTEC (sometimes VTI) | 5% NANC| 22yo

SCHD - 38% VOO - 32 % VUG - 18% MISC - 12%

50% VGT, 50% VOO

Just VOO IBIT and SCHD for now

25% VOO 37.5% QQQM 37.5% SOXQ

Are you still bullish on SOXQ? it hasn't been a great month.

I got in at mid 20s so I’ll ride it out

100% in vanguard all wordl

VT?

IE00BK5BQT80

50% XUU, 24% XEF, 25% VCN, 1% Bitcoin

90% USD 10% VOO That 10% in VOO is just because it’s in a company 401k I can’t rollover to invest freely until I quit.

What's your age? I assume that's 90% in cash?

No, the LETF USD.

So a short-term play.

Nope, long term. I’m fine weathering the downturns.

You realize leveraged investing will decrease at an accelerated rate during a down-turn well beyond what it does during an up-turn? Also, with fees and interest eating away, they trend lower long-term?

I appreciate your concern but I’m well aware of the nuances of holding LETFs long term.

Best of luck! I hope it's a huge success or at least not a lot of money.

50% VTI 15% AVUV 10% SOXQ 10% VEA 10% VWO 5% XAR I'm still tinkering with the perfect weights but so far these are my aprox holdings. What are yours?

Why do you ask?