AOA
iShares Core Aggressive Allocation ETF
Mentions (24Hr)
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Thoughts on iShares Core Aggressive Allocation (AOA) ETF from Blackrock?
How do you talk to your spouse/partners about investing?
Mentions
What is your age bracket? That fund he recommended has an expense ratio of 0.86% which is insane. You don't need it. Simply buy ETFs that track the broad U.S. market like VTI or a total world market like VT. Even a simple **asset allocation fund** like AOA or AOR that has a small amount of bonds in it (20%/40%) will fare better during downturns (in a low interest rate economy) and have a cheaper expense ratio of around 0.15%
I would qualify that intuition with the fact that Madoff's ponzi scheme resulted in broad financial regulation that changed the relationship between brokers and custodians. Momey managers could no longer both be the custodian of the investment as well as the broker (the one making the trades and managing the money). It was only in this integrated structure that madoff was able to commit massive fraud and obfuscate what he did with the money. Could you tell us which specific AQR fund theyre advising? AQR is a well respected firm. They have countless white papers out on their website describing the research theyve done to arrive at their current product formulations. If your FA has laid out math showing that your specific tax situation (assuming youre a high earner / NW individual) would make you better off long run despite the management fee, then its probably the better deal for you. You could also just dump the FA and hold a basic fund like AOA (80/20 VT/Bond index) that only charges 15 bps. Or you could run your own personal portfolio and save on FA fees and hold index funds and multiple asset diversifiers like bonds. Gold. Managed futures. All of these are accessible to us retail investors these days
check out AOA/AOR/AOM/AOK. This is bogle style, so X% total equity + Y% total bonds. You can also check Ray Dalio All Weather Portfolio or Harry Browne Permanent Portfolio for lower drawdown.
They’re probably much less comfortable with market volatility than you think. I’d suggest an “all in one” product from black rock like AOA or AOM. Simplicity is very under-rated in a portfolio imho.
One ETF? * 5 years - AOM (iShares Core 40/60 Moderate Allocation ETF) * 10 years - AOR (iShares Core 60/40 Balanced Allocation ETF) * 20 years - AOA (iShares Core 80/20 Aggressive Allocation ETF) DCA across all 3. But why limit yourself to one?
I might go with just one, AOA. Global stocks + 20% bonds. If not that, then VT plus maybe a little bit of BOND, FBND, or VPLS.
Alright, so let's say I have a large amount of my net worth sitting in a highly diversified, globally market cap weighted ETF like VT or AOA. At what price do I set a limit order? How do you actually implement what you are recommending?
International diversification would be good, or an all in one like AOA/AOR. Consider an equal weight SP500 ETF too. The older I get, the more my risk appetite goes down and loss aversion increases.
bro this country is done I just DCA in BTC and AOA/EUAD/GDX and call it a day
80/20 etf. I'm in Canada, VGRO/XGRO is what I use. Something like AOA in the US. I do hold a handful of individual stocks. I really go back and forth with them. I've invested 15 years, and part of me just likes some individual stocks. I've had good success with some. But I'm still realistic that in a total portfolio it's hard to beat indexing.
I'm a Boglehead so I don't pick stocks. I could however go all in on AOA.
If you want 7-10% a year then it's going to be S&P500. If you want lower risk you could look at a balanced fund, something that holds both stocks and bonds. Some examples are AOA, AOK, or Wellington/Wellesley funds. But for full equities you should expect around an 8% return, and adding bonds is going to lower that.
Look up AOA and AOR. 80/20 and 60/40. Same as a TDF, but constant target allocation rather than time adaptive
Thats where an ETF format like AOA is superior
At the place they are in, I don't think having some fixed income in there is a bad idea regardless of how little they have saved/invesed. TDF wouldn't be ideal but it was the simplest thing I had the patience to write out lol. Something like a Vanguard Lifestrategy Fund, FFNOX at Fidelity (fixed 85% equities/15% fixed income) or AOA (80/20) would probably be better than the fixed income ramp of a TDF. But going all in on equities with as little as they have...... a couple bad years at the worst possible time would leave them with next to nothing.
Hi! I buy low cost index funds. That’s it. There’s no magic. It’s boring and it’s why you don’t hear it from financebro YouTubers. I never sell, just buy. I do have evolved what I buy over the years. Last few years I bought a lot of VT. Now I buy a lot of AOA and a “tax aware” three fund portfolio.
A balanced etf like AOA or AOR is fine in a blind trust
All at once. I've been trickling $45k from my money market position to AOA in my brokerage since the end of April, and had I just lumped all at once, I'd have substantially more money.......
AOA if in a brokerage account. It's a perfect mix of US/International/Bonds (80/20 stocks to bonds ratio). Or find a target date fund for the year you want to retire, and it will increase the amount of bonds it contains as it gets closer to the target date. You and I have the same retirement horizon, and I dump everything into AOA in my brokerage, and FFNOX (similar allocation) in my Fidelity Roth IRA
no matter where you go, AOA DROP IT
>I just looked at the I-Shares chart and the AOA - aggressive looks interesting because it has a lot of S&P and also international stuff but a little bit of bonds. I'm assuming this is more to the riskier side than what I have now? Well, SWYHX is about 14% bonds. AOA is about 18%. So your current position is actually more aggressive. I wouldn't say that's an indication of AOA being off, but rather that the common characterization of target date funds as "not aggressive enough" as being incorrect. Both of those are also globally diversified. If you want to go 100% stock, VT invests in essentially the entire world stock market, basically being either of these funds but minus the bonds. >Everything I read says that Manager funds just aren't worth the fees they charge . That is true, but let's be more specific. What folks are talking about there are when you hire a financial advisor and pay them a yearly fee. Usually there you're paying them 1% of your assets every year, _plus_ the funds they put you in charge expense ratios of 0.5% if you're lucky, or 1-2% if you're not. So you're at something like 2% of your portfolio to fees every year, [which kills the end value](https://www.bogleheads.org/wiki/How_much_do_you_lose_to_annual_fees_after_many_years%3F). The target date fund you're in is .08%, which is nothing. Same thing for AOA.
Be aware: part of the reason that RE had such great returns pre-Covid was due to low interest rates. Folks were leveraging their investments which will provide better returns… so long as everything goes according to plan. Leverage can be just as potent on the downside. Over multi-decade periods the stock market has outperformed real estate if you exclude leverage for either. Your portfolio returns are pretty similar to AOA, an 80/20 portfolio (which may be appropriate for you depending on risk tolerance) and that 80/20 portfolio generally has a *slight* edge over real estate.
When there’s hardly any airflow (High AOA low airspeed aka stall) over the control surfaces they typically don’t respond doesn’t every trader and hedge fund exec know this basic fundamental of flight????
I wanted simplicity with one fund too so I just went with the iShares AOA aggressive allocation fund. It has VXUS built into it for the foreign tax credit. The downside is that it's also 20% bonds which are taxed, and the expense ratio is 0.15% which is about twice that off VTI+VXUS.
Looks like engines not delivering enough It ast at climbout AOA resulting in stall and subsequent crash. It appears this aircraft was equipped with GE Aerospace GEnx engines. This engine has had blade failures before.
I'm slowly buying in. A few grand here, a few grand there. My strategy is boring though. 100% FFNOX in my Roth and 100% AOA in my brokerage
Because of this administration's flip-flopping, I choose some low volatility ETFs. A combination of AOA, USMV, VFMV, SMMV, and SCHD, because it's has less drawdown. I can sleep better at night knowing it's a bit diversified with different caps.
No matter what you do, AOA drop it
I'm just dollar-cost averaging my AOA with each paycheck. I genuinely do not see any other potential move forward that doesn't involve disproportionate risk, and I don't know how Gold works (since it shat itself during COVID, even though it should have been a good hedge)
My first question is if it passes US safety standards? I was able to get very light lenses in my glasses overseas because I didn’t have to have the minimum safe lens thickness per FDA or AOA or whoever monitors that. So while China is doing better and better everyday, they may be willing to accept something that crushes like a soda can.
Bro. VGSH or VGUS/VBIL very short-term credit. Maybe a small bit of AOA or something but equity markets can be down if you must sell at that 6 year mark.
AOA has had pretty bad Total Returns. Setting your money in there and forgetting it is a great way of falling short of your retirement goals.
Yes, there are some iShares ETFs that do this (AOA, AOR, AOM, for example).
You would be more diversified with some bonds, for example using AOA (80/20) which is my pick for [the best one-fund portfolio](https://www.reddit.com/r/Bogleheads/s/tEjTjLxnc6) ETF
Yep, 3 funds match his risk criteria. AOA, VT, VTI, etc.
You should check the laws of the state, most are between 18 & 21. With that said, any broad fund like VOO, VTI, or VT. You can also pick an all in one fund like AOA.
If you want hands off like a TDF but a more robust retirement, try AOA instead. Its the same as a TDF but it keeps bonds at a flat 20% rather than increase towards retirement. A primarily stock allocation with some bonds (particularly if theyre long duration and rebalanced regularly) have the most robust portfolios and can maintain the highest withdrawal rates. If you assume an *extremely optimistic* 10% average return and 3% inflation, you would need $217,000 today in your roth to stop saving alltogether. Even if you maxed your IRA for the next 20 years, with 10% returns, you wouldnt hit $900,000, which is where you'd want to be to have a dependable $3k monthly to withdraw from it. You'd hit ~800k Now, to be clear, this is assuming a conservative withdrawal rate that has a very low single digit percent chance of running out within 30 years. Most people dont live past 77.5yrs, since thats the average in the US. Also, most market conditions will allow you to withdraw more than just 4%. Most markets can. Theres just a few periods in history like if you retired in 1966 where you would have run out of money using the 4% guideline. Also, you have a pension. Pension and social security reduce the left tail risk since youll still have some income from those vehicles.
You could just do the Schwab index Target Date Funds. It's mostly stocks early on and then leans into fixed income later on. Or you could do 80-100% VT (world index fund) and 0-20% BND for US bonds or BNDW for world bonds. AOA and AVDE are examples of a low cost all in fund that don't change their allocation over time. AOA is 80% global stocks and 20% bonds straight up and forever. AVDE is a small cap value tilted fund of funds but mostly sticks to the low-cost broad market exposure with that factor tilt. Factor exposure is a whole other can of worms that may or may not be worth getting into. Or you could just stick with the robo advisor, that's likely going to do OK, basically the same thing you should be doing anyway but 8% cash is kind of high for a retirement account especially with so long to compound. Any of these options highlights varying degrees of simplicity and automation, but I like them because , and to be honest, for most people, the more simple the method, the better. Less likely to tinker and make active choices/mistakes if whatever you have is mostly set it and forget it.
are there any \*\*usa only\*\* ETFs that are a blend of stock/bonds whether that be 80/20 or 60/40, etc. Again USA only, no international. No, I don't want to do it myself. Yes, I am aware of AOR/AOK/AOA from Ishares, but that has international in them.
\> I think he is good for the stock market by cutting corporate tax and loose regulations. Aka Boeing; Fewer regulations led to FAA Self Inspection, which led to a massive QA issue in Fuselages Lower Taxes meant a great opportunity for stock buybacks Stock buybacks instead of coming back to the workers who lost pensions, leading to a strike Numerous failures and over budget on their space capsule. ... something about the the 737 Max AOA budget cuts that kills hundreds of people.
Sounds like you would do really well with AOA, its like a TDF but it doesnt add more bonds, it just keeps it steady at 80/20.
Thanks for sharing. To sum up, focusing on any individual sectors is a bad idea (makes a portfolio too "messy?"), and so I should drop the gold, infrastructure, energy, financial, and REIT funds as well as the midcap fund and dividend funds (GPIX & EVT). Then I should do these replacements because they are superior (less risky? likely to perform better?): ** bonds AGG instead of VWAHX ** large cap FNDX instead of VWELX ** small cap IJR instead of AVUV ** global/international IEFA instead of VT ** broad market AOA instead of VTSAX
I like global diversification. VT is an all in one pretty much has everything except bonds. If you want an all in one etf that includes bonds and is considered an aggressive allocation, you couldn't find much better than AOA.
you answered your own question: get a broker. they cost money. money that could have been yours. and if you're asking here, you don't have enough money to make it worth a broker's time to give you decent return. i would start using a virtual trader ASAP and not use your own real money for at least 6 months. e.g.: investopedia simulator starts you off with 100k of play money, start trading with that and see how quickly it disappears. to speedrun that game try option trading. then if that doesn't scare you off take whatever you have to invest and put half into a "safe" index fund... i like VOO/QQQ/AOA. that's like having a broker, kinda, sorta, not really, and you still have some control. then lose the rest, give up and swing amzn/tsla/nvda like everyone else. :) biggest advice that's hardest to follow: DON'T BE AFRAID TO SELL. and smartest advice while you're in this sub: DON'T BELIEVE ANYONE. the longer the DD report the more BS it is. i'd honestly try to stay away from "penny" stocks as much as possible.
Who said anything about conspiracy? [Link](https://www.afacwa.org/the_inside_story_of_mcas_seattle_times) Again, did factory floor workers make the decisions to use a single AOA sensor, limit pilot retraining, or get failure analysis wrong?
Well you’d fit right in with the former Boeing executive team. You’re right of course, definitely no major, fundamental procedural or spec differences between a car factory and an airplane factory. Certainly not thousands of pages of auditable safety procedures and record keeping requirements. Definitely don’t need to spend any extra on your labor force to ensure that your plane doors are installed correctly, or that your AOA sensing software has a suitable fallback measure in compliance with aircraft certification standards
AOA looks good for this situation
Buy AOA, its truly set and forget 80/20 VT/bonds. It rebalances for you, low expense ratio, solid.
First, and foremost, congratulations to your Dad on a well deserved, and earned, reward for his hard work. Definitely will want to talk to a good tax specialist accountant. They should be able to help set up a living-trust that everything else can be managed through. He can set himself as the beneficiary for now and then pass this on to his kids and grand-kids. And should be able to help shelter growth from taxes. Personally, I'd put $1 to $1.5mil into something like BlackRock AOA. Then I'd find an Personal Financial Advisor that specializes in Real Estate investments, or partner up with some direct investors. I'd look in the mid-west areas. With $500k to $1 mil starting capital, they should be able to build quite the portfolio for him in no time, assuming they invest it in the right market locations. This will help protect the capital and should provide a decent passive income all at the same time, and with considerable growth.
AOA is not an actively managed fund. It is just a basket of market weighted index funds that is rebalanced periodically to maintain target allocations. AOA includes including international. All of the other ones you are comparing it to are US only (and the 60/40 you put in is tilted towards tech). So of course they outperform on a backtest.
Folks these managed funds always underperform a balanced index/sector ETF portfolio. They additionally have higher expense ratios. It’s frustrating that there is not more literacy around this. Here is a very basic 15yr backtest demonstrating that the 60/40 allocation outperforms funds like AOA on a CARG, drawdown and volatility. https://testfol.io/?d=eJytksFOwzAMhl9l8oFTJ7KqMOhtaELiwFg1hDShqTJN2gWypE1Dx1T13fFaie7C4NCcEv%2B2v9%2BRa8iUeUO1RIu7EsIaSofWxRydgBB8xm7HbDqe3IAHQvM%2B7gdtfErxrqJCBeEVOx4PkL%2FHUqcKnTQawhRVKTxIsNymyuwhZP0jTq0oqOWj0W6rDtTPGqWkzuK91PyYPPEbD3JjXWqUNGTytQaNu6OPBZYci5H%2FRWVSV6J0c1lJTk4pzdlPglpB46FOxH3HWQu0LcbJ5EPYrl13JzVSnKRc2ERoR2jGmo0H3GJGphvvB7y6WI5o2KGwq%2FzwL%2Bw1uwwGg748P5xC%2FRbUW1quz6hRFJ1R7xbzUzX4ZZrZ02yoWbpWf39gtzCDbUtRnKFumm9jAhlL
Is there any liquidity concerns with this? It seems like you wouldn’t be able to rebalance in anyway, you would just have to count on a permanent and ready market for shares of this particular fund. I have some reits through blackrock but I’m well aware that despite diversity, it is a closed single fund. Does it work differently with an AOA? Could your money get..trapped due to lack of demand?
I agree with AICHEngineer. The BlackRock AOA is a fund of funds and provides diversification, growth, safety and relative low costs all in one fund.
I think your dad, if he wants a set and forget solid fund, would be very happy with AOA. Its an ETF that holds 80/20 stocks and bonds. The stocks are market cap weight equities, globally diversified. The bonds are typically 17/3 domestic/international. Its rebalanced regularly so you get rebalancing alpha and will have lower volatility than just holding stocks, which is good for older folks. 80/20 is more aggressive than a boglehead 60/40 portfolio, but 80/20 has a better safe withdrawal rate so its more robust for retirement, albeit a bit more volatile than 60/40.
If you want a strong fund that would support the risk tolerance of a retiree (like you wish to do for your mother), invest in AOA. Its globally diversified index funds near cap weights, its in an ETF wrapper better for tax treatment, it maintains a 20% bond allocation (17% US, 3% ex US), it rebalances itself so when stocks go high it goes into bonds and when stocks go down it pulls from the bonds into the stocks (rebalancing alpha).
VTIAX is the VXUS equivalent. Why DCA? People asked that question three days ago before the market went up and up and up each day. The longer you wait, the more likely you miss out on gains, which is why lump sum has a statistical edge on DCA . This is why vanguard made an informational about it: https://investor.vanguard.com/investor-resources-education/news/lump-sum-investing-versus-cost-averaging-which-is-better Tldr; just buy with the whole lump for a better expectation value. If you really just hate that idea, idk man. Any DCA method is theoretically suboptimal, only looking backwards can we say if it actually protected you and gave you a better cost basis, in which case we would also have to say "why invest at the beginning at all? Just wait for the dip" which we all know is pure folly. Just DCA in as fast as you can stomach, lump if you can handle it. Add bonds by hokding something like AOA (basically VTI/VXUS/BND/BNDX 48/32/17/3 in a nice lil ETF wrapper, rebalances itself. Unlike a TDF, AOA just holds this allocation rather than increasing bond exposure).
For you personally, you should just buy AOA. AOA is ~80/20 stocks/bonds, a bit more US bias than a boglehead portfolio, its an ETF, it rebalances itself. You (you specifically) should buy AOA. This *is* financial advice.
Check out all in one etfs for global diversification. VT is 100% stocks or AOA is 80/20 stocks to bonds. Either etf would be great options for longterm.
You could do 90% VT/ 10% BND or TLT or EDV. Or maybe something like 100% AOA.
At your age, if you put that in AOA and top up what you can every month, you’ll probably be financially independent in 20-25 years. It’s a strong option.
Thank you, I’ll look into both AOA and VT
Yes, if the number of funds and go more diverse. Consider putting all of it in AOA. Or VI.
Age 40 and 23k? There is aggressive but also realize the US-based iShares “aggressive allocation” (AOA) ETF (made up of smaller iShares ETFs) is about 20% in the general US bond market. That would cushion but not totally any stock market [actual] crash. Not sure if there’s a similar Vanguard product? Fwiw, AOA’s 80% stock allocation includes 45% in the S&P probably to mirror the overall global stock mkt (it also has international-developed, emerging mkt, mid-cap, and small-cap allocations) Was playing around with a hypothetical AOA mix the other day, trying to make it more aggressive but still with a strong bond component (more like long treasuries/agencies vs general U.S. bonds).
AOA is an "everything" option. VTI is "everything within a single country" (countries rotate in and out of favor). VOO and VUG are subsets of VTI, which itself is essentially a subset of AOA.
You don’t like AOA or AOAVTI/VOO/VUG/NUVBX?
Choose either VT if you want a set it and forget etf with no bonds or AOA if you don't mind bonds. 1 of those 2 is all you need. If you feel that those funds have too much international exposure for your tastes, then you can use a combination of VTI and VXUS. You just decide if you want to do 70% VTI/30% VXUS, 75% VTI/ 25% VXUS, etc.
Thank you. This scenario was assuming none-very little continual contributions. Are you saying you like these options minus VTI, AOA, VT, VXUS, or you would switch to only VTI, AOA, VT, and VXUS and occasional contributions?
I will be honest with you. You have a few funds mixed in there that are good. The rest is absolutely unnecessary BS. Index etfs such as VTI( Total US stock) is virtually every publicly traded company in the US. VXUS( total international) is virtually everything else outside of the US. VT is all of that in 1 etf. AOA is an 80/20 combination of etfs from Ishares. 80% US and international equities and 20% bonds. It's actually a great set it and forget it long-term etf. You don't have to do anything except buy more weekly or monthly. VT difference is its not a fund of etfs but all stocks, and it doesn't hold any bonds.
I know, I know, but higher returns and some risk seems so tempting! Someone else suggested AOA and VT
I would suggest an all-in-one etf. AOA, VT, etc.
I'm being mildly sarcastic, but you're also massively skewing what happed in both the Lion Air and Ethiopian Air incidents. It was a horribly stupid design by Boeing to have the system rely on AOA inputs from a single sensor. If the design was fine, Boeing would not have admitted that this was stupid and redesigned it.
Exactly this. Although there are key designs that help prevent them. But it's all about the AOA of the aire hitting the compressor blades. But the phenomenon is literally what it's called, it's a stall of airflow in the compressor section. It's a loud boom, and flames do come out. Source: I'm an aircraft mechanic.
If you wanna make money, buy assets and hold them dummy (VOO, AOA, QQQ). Options are glorified gambling. Regards,
Anyone have a good sense on what MSFT has been cooking ? GOOGL did there bit and there’s a decent review [here](https://youtu.be/_AOA6M9Ta2I?si=1qOby18AQFHbqa6-) First I have seen of a good use case scenario for AI the enterprise, but more of this will follow from competitors and will add to cloud based revenue from added services near term. Wonder if they are being a bit more quiet due to the lawsuit from Elon. Last news buzz was hiring a CEO for consumer AI and a couple other big names in hiring. Call me a nerd but the next leg up from last quarter with NVDA is the actual companies that are going to profit from the infrastructure and large investments. The next few quarters will be focused on this.
AOA is an 80/20 diversified whole world equities and aggregate bond index fund. It has nothing to do with "aggressive growth".
some of the one i am currently playing with are QQQ, VUG, IWF, AOA, SCHG and couple other ones that have more shares on tech sector
Lmfao. I don’t own Boeing calls and I’m not out here defending them. The amount of faulty sensors that have plagued MAX in any notable way in the past is one, the AOA sensor when an improper reading caused the MCAS system to pull the plane into a dive. If you want to flag all sensor-related landings in a year, you’re going to have to ground more than just Boeing aircraft (hint: it happens to all of them). You don’t even know what you’re talking about. You watched one documentary or news segment and decided you’re an aerospace expert, huh? I’m keenly aware of the myriad of issues at Boeing. The plane landed because that’s protocol – commercial pilots are required to do it. Before you spout off about a subject you don’t understand, do yourself a favor and look up how many emergency landings happen in a given day. Sit the fuck down and quit embarrassing yourself…
> To invest in an index fund , do I need a financial advisor or would I just download any app , (robinhood etc ) and find those index funds on there ? Recommendations for anyone I can use too are welcomed Just download the app, find the funds and invest in it. For new investors, these days I tell folks to just put their money into the AOA fund. It's a cheap all in one fund with stocks and bonds and is very liquid and very good. Check out this: https://www.bogleheads.org/wiki/Three-fund_portfolio TL;DR: Just invest in VTI, VXUS, BND. For US/International ratio: anywhere between 80:20 to 60:40 is fine. Depending on your mindset. > Investing in an index fund is it something I have to do on a weekly or monthly basis or do I just dump the extra cash I have now and not have to worry again about it ? If you can automate it and forget about, that's the best. But anything is fine. Robinhood, Schwab, Fidelity and a few others offer fractional shares which will be very useful for you.
AOA sucks, if you want actual fast growth then jump into ONEQ or QQQ. More stability? Then jump into VOO or VTI. You're young, you don't need to only make a 40% gain in five years so that you're "safe"
AOA sucks... Worse performance over the long term than VOO.
Buy a aggressive allocation etf like AOA and chill
The 737max failures were contributed to by a Florida rebuild company that didn't calibrate the AOA sensors. The plane overriding the pilot was a common design philosophy causing both crashes.
Missing my point of using the phrase late stage capitalism. I’m not criticizing capitalism in general but the extreme end of the spectrum that is generally referred as late stage / last stage / etc. When accumulation of wealth be it profits or improved shareholder value causes a continuous series of crisis within the organization. Late stage capitalism is when a company is internally aware a new product could suffer failure leading to injury and/or loss of life but determines the financial cost to mitigate this failure is less than the savings from rushing said product into customers hands. Boeing went through this process with the MAX. They knew the chance existed for components without redundancy to fail and lead to a chain of events where untrained pilots might not properly react (One single AOA sensor + zero MCAS training). Boeing determined an occasional hull loss was acceptable on the goal of delivering a new engine aircraft as quickly as possible and without requiring flight crew re training.
Not quite. They made the 3rd AOA sensor an option that can be purchased. It can still be fitted. Which is fucking stupid when your system is MADE to query all 3 AOA sensors, and go with the 2 that are closest to each other.
AOA or AOR are close to what you’re looking for. You could also consider a mix of IVV and HTAB. If you’re looking to optimize tax-efficient investing it may be worthwhile to talk to a professional.
Check out target date funds. FDEWX. Or allocation ETFs. AOA, AOR.
I use AOA from blackrock. Gold rated on morningstar and has everything you need with bonds and international diversification. The management fee is higher than other funds like VOO, but it’s a one stop shop for everything I need.
They are all basically the same, it mostly doesn't matter. What you invest in as long as it's reasonable like these 3 choices, hardly matters. Staying invested and buying enough matters a whole lot more. I personally went with a static 80% global stocks and 20% bonds in the 1 fund portfolio: AOA. I'm lazy :)
What type of account will this be for? For tax advantaged, like IRAs or HSAs, it seems pointless, as you can use a target date index fund or target allocation index fund to basically achieve the same at lower cost. In taxable (where capital gains could be problematic from target date funds or mutual fund versions of target allocation funds), there are target allocation ETFs (such as AOA). The expense ratio for all of these should be less than Fidelity Go after that "up to $25k" mark has been hit.