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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
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.
https://www.lynalden.com/wp-content/uploads/international-stocks-performance-2021.png i'm not bearish on the US necessarily, but here's the bear case (keep in mind that i'm not an expert): - trump + far right nationalism really turned off a lot of foreigners from the idea of the US - us dollar inflation is here to stay, not good for us companies - i believe the further development of web2 and web3 along with WFH will be really bullish for emerging markets
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.
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
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.
can you explain why bonds are suggested even for young people? i'm in my mid twenties and don't need the cash and honestly i believe btc will >10x so i'm gonna keep it (:. also i'm doing this on m1finance which makes things really easy
Bonds are good for rebalancing against equities because they force you to buy low and sell high. If you believe in Bitcoin, just put like 5% of net worth into Bitcoin directly instead of 1% into some BTC-adjacent stock.
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.
If bond yields go up price crashes. Good luck and have a nice day
inflation def not transitory tbh i get my allocations based off what experts i follow say, i dont' know shit
International is shit right now and will continue to be shit for a long time.
👆 sign to overweight international
Yes buy $baba !! Lol
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.
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
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.