Rate my ETF blend

Amazon
Waxh51

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Waxh51
Mar 13 38 Comments

I'm trying to be more responsible these days and not invest in dumb shit (at least with the majority of my wealth), so here is the ETF blend I came up with:

VTI (total US) - 65%
VWO (emerging markets) - 12%
VXUS (total intl) - 12%
IAU (gold) - 5%
VNQ (RE) - 5%
MSTR (bitcoin baby) - 1%

What do you guys think? I honestly don't know much about international stock investing so I'm not sure if the ratio between US:world makes sense, or EM:total world makes sense. That being said I am bullish on emerging markets generally speaking

#personalfinance #investments

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TOP 38 Comments
  • Ditch any investment that's <5% of your portfolio. If it returns 100%, it translates to an extra 1% to your total return. Not worth the mental effort of dealing with it. Either bring it up to at least 5-10%, or set to 0.

    Also, lack of bonds is bad.
    Mar 13 4
  • VMware
    BoredApe69

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    BoredApe69
    Worst portfolio.

    VWO/VXUS are trash. Everything is tied to USA. VNQ may go up in short term but long term it’s really bad performer. Just buy VTI or VOO

    If u want bitcoin buy real bitcoin not some proxy stonk that gets diluted as saylor sells more to buy the real asset

    Gold? That too paper gold? Bruh plz
    Mar 13 2
  • Meta
    Uo49kz

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    Uo49kz
    I’d argue VXUS already contains 1/3 of emerging market, unless you are very bullish on EM, otherwise that 12% might add too much volatility.

    I’d prefer to add some fixed income like bonds. If liquidity drains, bond yields can go up and low volatility relatively if that happens.

    I was considering gold a year ago. Not sure if the current situation of commodities is transitory. I think VTI contains related companies so I didn’t add that position.

    Overall I think it’s solid and good manifestation of what you believe. I had something similar few years back but now it feels a bit complicated to me.
    Mar 13 19
    • Amazon
      Waxh51

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      Waxh51
      OP
      lmao wtf is happening here

      i actually didn't buy yet, still transferring funds (:

      but i'm considering lowering weight in intl. stocks solely because i don't understand international markets tbh. and if the us loses reserve currency status then that's probably a good thing for bitcoin, which i own a lot of

      also replacing VWO and VXUS with VIGI. VIGI is international stocks geared towards dividends, which should help filter companies that don't care about stock price (ex. in china)
      Mar 15
    • VMware
      BoredApe69

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      BoredApe69
      Meh. High ER 0.15%. Holdings are basically same as europe/chyna. Bad perf. All youl do is pay some fund Managers free money for underperforming
      Mar 15
  • I think it’s a pretty good asset allocation blend. Personally I like the S&P 500 and might lower the percentage to VTI and add some to VOO (S&P 500).

    Also, it depends on your age and remaining runway to retirement. If you are closer, I would probably add an allocation to a short duration Fixed Income fund as well.
    Mar 13 2
    • Amazon
      Waxh51

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      Waxh51
      OP
      i didn't add an spx allocation because i work at amzn :p

      also a little worried at anti-trust + the inflation of the us dollar
      Mar 13
    • I’d still add an allocation to the S&P 500. I read below you are in your mid twenties, meaning you have your whole career ahead of you still. If you look at historical returns for the S&P 500, you will see how well it has performed especially over 5-10 year time periods.

      Your worries about inflationary pressure is valid and certainly accurate. That is why I suggested short duration Fixed Income (1-3 years max). Short duration tends to be less volatile against rising interest rates, in addition to giving you a stable allocation.
      Mar 13
  • Meta
    youSucc

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    youSucc
    I always wonder why one needs international investment? US has the largest Army and attracts the best talents in every field of science and tech you can imagine. The reason for this is that historically US offers more freedom and room to grow to newcomers compared to any other country in the world. I don't see any reason for me personally to invest anywhere else.
    Mar 13 3
    • Meta
      Uo49kz

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      Uo49kz
      2000s EM high return was significantly due to China’s fast growth. If keep holding for another decade you’d be basically betting on India.
      Mar 13
    • VMware
      BoredApe69

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      BoredApe69
      How will wfh benefit EM ? Sure youl hire ppl from there , lower your cost . But ultimately majority innovative cos are in thr US.

      Problem with international “funds” is 90% of their holdings are trash cos. There r very few players in EM that stay out of major scandals and get big : tata etc . U r paying a heavy price just for those 1-2

      Wrt to Lyns link : that is a specific time window. If you consider over long term , ultimately spy outperforms all.
      Mar 15