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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comments
Also, lack of bonds is bad.
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
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.
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)
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.
also a little worried at anti-trust + the inflation of the us dollar
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.
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.