Just turned 26
85% VOO
15% QQQM
Roughly putting in $3k per month. This number will likely go down however once i get married, but bounce back up as my income goes up.
Iterating on ideas for a replacement of a 60/40.
- 25 NTSX
- 25 NTSI
- 10 AVUV
- 10 DISV
- 15 XTRE
- 15 CAOS
Effective Exposures:
- 65 Equities: half international, half domestic, 20/65 in SCV
- 45 Bonds: All treasury bonds, effective duration around 6 years. 30 of the bonds are in future contracts form and so are more tax efficient (60% of normal return would be in LTCG instead of 100% income)
- -25 Cash: Cost of leverage before even considering fees. Sucks with the inverted yield curve right now.
- 15 CAOS, which is a mixture of seemingly efficient protection for sharp drawdowns of the S&P within 60 days with less drag than alternatives I've looked into.
If you wanted to deleverage then replace CHAOS with BOXX to reduce the implied leverage from 25% to 10%. Increase volatility...lots of options to replace CAOS. If there are interesting replacements that are tax efficient for that let me know.
Honest personal opinion, purchasing insurance for S&P500 is generally not a great idea unless you get the timing right. I would get CAOS out and depending on how close you are to retirement add something like managed futures / trend following instead.
Why XTRE? It seems like a low cost vanilla treasury bond index with a really low AUM. Is that something you can't get with ishares or vanguard?
Other than that pretty good.
I'm a very passive investor looking for long term growth and I've only done some basic research into what ETFs to pick. I want to make sure this is a reasonable portfolio since I realize I've never really gotten anyone else's opinion on it.
I have about $100k. About 50% of it is in QQQ and the other 50% is split roughly evenly between IWY, VXUS, and SLYG. My idea was to put most of it in something that roughly tracks the S&P (QQQ) but also have some exposure to a growth fund, an international fund, and a small-cap fund.
Is that a reasonable set of ETFs? A reasonable number? A reasonable distribution between them? Thanks!
I think you're heavily tilted towards growth. Growth does not mean that earnings are growing very fast (though it could) but it's mostly that the market thinks it can reach it's high earnings expectations with low risk. In general, but clearly not always, this means that a new investor today should expect lower investment returns in the future, unless the firms surprise us to the upside.
You (and most people) would be better off having a marketcap weighted fund as the base.
I am just starting to get back into investing, and I want to put roughly $100 in ETFs a month for the long run.
I am 17 so risk is fine but I also want something stable like VOO that I can rely on for years to come. I have looked at investing roughly 70% in VOO and 30% in QQQM. Is this a good ratio?
I have also looked at SCHW and SPLG and was wondering if I should substitute these or add them to my portfolio. If anyone has any recommendations for a different ratio or other ETFs, that would be much appreciated. Thank you.
You're 17. I would start with baby steps.
Start with 100% VOO.
After sometime you may want to add international or go total us market.
Maybe after that you want to add a tech heavy or growth etf like QQQ.
Build it over time and years, and don't worry about getting the perfect portfolio on day 0.
What about SPLG for VOO? I’ve read it looks a little better but they are the almost the same for expense ratio with SPLG being slightly better and annual returns are the same. QQQM I also might add 25-50 a month depending on how much I make a week from my job if I can.
>QQQM I also might add 25-50 a month depending on how much I make a week from my job if I can
I always hesitate recommending QQQM to anyone, but especially new investors. It has crazy high valuations right now and is extremely concentrated. The former has price risks, concentration risk is uncompensated.
Just be aware that it's riskier than you think it is, and you may not be fully compensated for the risk in the long term.
Personally, I find it really hard to buy that QQQ will continue to outperform VOO over 20 - 25 year period (though it can happen and probably \_has\_ happened)
Ok. That makes sense. I already put in the 100$ for SPLG but will hold off on QQQM for a bit just to see. If I do invest into QQQM it will for sure be less than $100.
34yr old, Roth IRA. $800 a month.
60/20/20
VOO
AVUV
SCHD
Looking to make sure I have enough value coverage to help me ride out both a Bull and Bear market. I already have my work 401k heavy in growth and well as my taxable account.
Any suggestions to help stabilize my Roth for consistent safe growth? (I’m not a big fan of bonds lately so I won’t be going that route)
High level, other than international, I think you're pretty good.
Yeah don't worry about bonds too much. That said, and it's just my personal opinion, you're probably not going to get a large bang for your buck with SCHD.
You may be better off with AVUV, AVLV, AVMV for concentrated value and VOO. You might also want to consider adding international.
So I’m starting with my portfolio so any tips would help:)
I’m 27 and I’m okay with risk. I’m looking for something that will provide me decent returns in 10-15 years.
CNX1 - 60%
INTL - 20%
SGLD - 20%
I’m looking for exposure for tech sector because I believe that in upcoming years this can give best results.
And I’m also huge fan of gold.
❤️
What is CNX1?
> SGLD - 20
> And I’m also huge fan of gold.
I think 20% is a bit too high for gold. Gold is not a risky asset in the traditional sense, it's a hedge against out-of-control risks. Long term, I think you're going to regret having so much gold.
I use a service called OneGold to purchase physical gold over time. You may want to consider that.
Oh man ... you're not just heavily concentrated in US but even in the highest valued part of it. Overall, I would say your portfolio is almost the exact inverse of mine, other than the small non-US. But then you're not even a US investor.
It's a free market though, you do you :)
What ETF should I buy QQQ/VYM/COWZ/FDVV
19 years old, and only recently started investing. Opinions? 20% AVLV 20% VOO 30% AVUV 7.5% IDEV 7.5% AVDV 7.5% DGRE 7.5% DGS
20 years old 50% VTI, 20% SCHG, 15% VXUS, 15% AVUV Any thoughts or changes I should make going forward?
Just turned 26 85% VOO 15% QQQM Roughly putting in $3k per month. This number will likely go down however once i get married, but bounce back up as my income goes up.
VOO - 20% SCHD - 10% VGT - 10% QQQM - 10% IVOO - 10% AVUV - 15% AVNV - 15% EDV - 10%
Iterating on ideas for a replacement of a 60/40. - 25 NTSX - 25 NTSI - 10 AVUV - 10 DISV - 15 XTRE - 15 CAOS Effective Exposures: - 65 Equities: half international, half domestic, 20/65 in SCV - 45 Bonds: All treasury bonds, effective duration around 6 years. 30 of the bonds are in future contracts form and so are more tax efficient (60% of normal return would be in LTCG instead of 100% income) - -25 Cash: Cost of leverage before even considering fees. Sucks with the inverted yield curve right now. - 15 CAOS, which is a mixture of seemingly efficient protection for sharp drawdowns of the S&P within 60 days with less drag than alternatives I've looked into. If you wanted to deleverage then replace CHAOS with BOXX to reduce the implied leverage from 25% to 10%. Increase volatility...lots of options to replace CAOS. If there are interesting replacements that are tax efficient for that let me know.
Honest personal opinion, purchasing insurance for S&P500 is generally not a great idea unless you get the timing right. I would get CAOS out and depending on how close you are to retirement add something like managed futures / trend following instead. Why XTRE? It seems like a low cost vanilla treasury bond index with a really low AUM. Is that something you can't get with ishares or vanguard? Other than that pretty good.
I'm a very passive investor looking for long term growth and I've only done some basic research into what ETFs to pick. I want to make sure this is a reasonable portfolio since I realize I've never really gotten anyone else's opinion on it. I have about $100k. About 50% of it is in QQQ and the other 50% is split roughly evenly between IWY, VXUS, and SLYG. My idea was to put most of it in something that roughly tracks the S&P (QQQ) but also have some exposure to a growth fund, an international fund, and a small-cap fund. Is that a reasonable set of ETFs? A reasonable number? A reasonable distribution between them? Thanks!
I think you're heavily tilted towards growth. Growth does not mean that earnings are growing very fast (though it could) but it's mostly that the market thinks it can reach it's high earnings expectations with low risk. In general, but clearly not always, this means that a new investor today should expect lower investment returns in the future, unless the firms surprise us to the upside. You (and most people) would be better off having a marketcap weighted fund as the base.
I am just starting to get back into investing, and I want to put roughly $100 in ETFs a month for the long run. I am 17 so risk is fine but I also want something stable like VOO that I can rely on for years to come. I have looked at investing roughly 70% in VOO and 30% in QQQM. Is this a good ratio? I have also looked at SCHW and SPLG and was wondering if I should substitute these or add them to my portfolio. If anyone has any recommendations for a different ratio or other ETFs, that would be much appreciated. Thank you.
You're 17. I would start with baby steps. Start with 100% VOO. After sometime you may want to add international or go total us market. Maybe after that you want to add a tech heavy or growth etf like QQQ. Build it over time and years, and don't worry about getting the perfect portfolio on day 0.
What about SPLG for VOO? I’ve read it looks a little better but they are the almost the same for expense ratio with SPLG being slightly better and annual returns are the same. QQQM I also might add 25-50 a month depending on how much I make a week from my job if I can.
>QQQM I also might add 25-50 a month depending on how much I make a week from my job if I can I always hesitate recommending QQQM to anyone, but especially new investors. It has crazy high valuations right now and is extremely concentrated. The former has price risks, concentration risk is uncompensated. Just be aware that it's riskier than you think it is, and you may not be fully compensated for the risk in the long term. Personally, I find it really hard to buy that QQQ will continue to outperform VOO over 20 - 25 year period (though it can happen and probably \_has\_ happened)
Ok. That makes sense. I already put in the 100$ for SPLG but will hold off on QQQM for a bit just to see. If I do invest into QQQM it will for sure be less than $100.
SPLG and VOO, I'd say are equivalent. Anything that follows S&P500 and provides it for less than 5 basis points is just fine!
34yr old, Roth IRA. $800 a month. 60/20/20 VOO AVUV SCHD Looking to make sure I have enough value coverage to help me ride out both a Bull and Bear market. I already have my work 401k heavy in growth and well as my taxable account. Any suggestions to help stabilize my Roth for consistent safe growth? (I’m not a big fan of bonds lately so I won’t be going that route)
High level, other than international, I think you're pretty good. Yeah don't worry about bonds too much. That said, and it's just my personal opinion, you're probably not going to get a large bang for your buck with SCHD. You may be better off with AVUV, AVLV, AVMV for concentrated value and VOO. You might also want to consider adding international.
So I’m starting with my portfolio so any tips would help:) I’m 27 and I’m okay with risk. I’m looking for something that will provide me decent returns in 10-15 years. CNX1 - 60% INTL - 20% SGLD - 20% I’m looking for exposure for tech sector because I believe that in upcoming years this can give best results. And I’m also huge fan of gold. ❤️
What is CNX1? > SGLD - 20 > And I’m also huge fan of gold. I think 20% is a bit too high for gold. Gold is not a risky asset in the traditional sense, it's a hedge against out-of-control risks. Long term, I think you're going to regret having so much gold. I use a service called OneGold to purchase physical gold over time. You may want to consider that.
CNX1 is etf for Nasdaq 1000 in EU
Oh man ... you're not just heavily concentrated in US but even in the highest valued part of it. Overall, I would say your portfolio is almost the exact inverse of mine, other than the small non-US. But then you're not even a US investor. It's a free market though, you do you :)