AOR
iShares Core Growth Allocation ETF
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Thoughts on iShares Core Aggressive Allocation (AOA) ETF from Blackrock?
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allocation ETFs and some questions about them?
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I too have wasted money on volatility calls. Rebalancing HFEA style with metals adds a 3rd variable. I may go to $AOR 60/40 or $AOK 30/70 because I think the bond market may sniff a lower ten year when jobs numbers are not stunning. I should be selling gold but I trimmed junior miners to keep GDX and XME. I could have just bought GDE. This is the part of the cycle metals outperform and if you noticed mid caps have, until Wednesday outperformed MYY MIDU or MDY call options were 33% easy. I cannot hedge for Armageddon. But I can keep cash. And remember bonds too can crash. Metals by 50% gold silver more.
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%
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.
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?
No. Does it need to be Vanguard? There's NTSX but it's 90/60. There's AOR but it's global.
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.
Stop lying to people so you can collect advisor fees for expensive complexity. https://www.google.com/finance/quote/AOR:NYSEARCA?comparison=NYSEARCA%3AVT&window=5Y
Hi, Yes, investing is free except for something called “expense ratios”. This is when the fund takes some very small % of the money each year to cover their expenses. You’ll pay most of the taxes when you decide sell which will lock in your profits. Otherwise just interest and dividends will be taxed annually. For content I recommend the money guys, their stuff is really good and it’s honest. Now, what you are describing is an sp500 fund like VOO. But I would actually recommend a balanced fund like AOR (60/40 stock to bond ratio). Here is why, everyone thinks they’re a cowboy until the market kick’s their teeth in. There is an emotional and behavioral part of investing that is learned and if you haven’t done this before (and props to you for getting started on this journey) then start conserve and you‘ll have a better time. Once you get comfortable then graduate to buying shares of something like VOO.
I mean if you're retiring you want a balanced fund. Could use something like Wellington Fund, AOR, or just a target date fund for a year that's already passed. Figure out a withdrawal rate (probably around 3% or lower since you're retiring so young). And withdraw that amount every year.
Look up AOA and AOR. 80/20 and 60/40. Same as a TDF, but constant target allocation rather than time adaptive
AOR holds international equities, which the Trinity study didn't (only USA equities).
A balanced etf like AOA or AOR is fine in a blind trust
95% VT, 5% IBIT. Chill for several decades. When you start to get close to your retirement number, move it to AOR.
All U.S. Navy ships forward-deployed at NSA Bahrain leave port At least 1x Littoral Combat Ship (LCS) and 4x Mine Countermeasure (MCM) ships, as well as special operations mothership M/V Ocean Trader, are underway in the U.S. Central Command AOR.
Go with a heavy bond allocation since you can't handle volatility. Check out AOR ETF, it's 60/40 equities to bonds and well diversifed. A lot less volatility than 100% equities.
I’d put it all in the TDF or AOR ETF Way more diversified and less volatile than simple VOO
Mix of bonds and stock. Look at AOR 60/40 equities/bonds
Yes, there are some iShares ETFs that do this (AOA, AOR, AOM, for example).
Avma or AOR can both be a good one-and-done in replicating a 60/40 although avma tilts more towards value.
a 60/40 with total US and total bond would likely be something like VBIAX, there is no etf version, but its more or less 60% vti/40% bnd. If you want a more globally diversified etf that includes ex us , AOR is roughly what you would want its US 38/ex-us 22/bonds 40
Would it be wise for her to invest? Yes absolutely. Would it be wise for her to chuck it all in the SP500? Probably not. Someone in her phase of life should have a balanced portfolio that includes bonds and should also consider a bias towards less volatile parts of the market. Take a look at AOR or CGBL for funds that mix stocks and bonds.
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 lamented on nuclear power initiatives at the last meeting at work, in a room full of other people with 5-10-15-20-25 years on and got virtually no support while one guy even leaned over and whispered "it takes 35 years start-to-finish for a nuclear project." i talked about a couple companies, what theyre doing, how theyre investing in options other than U-235. meanwhile, myself and another dude in my company have been bullish on SMR's. kind of funny how those with "so much experience" are so quick to write off what you have to say. the crazy part? i work for a public utility who very clearly cannot support more datacenter's in our AOR.
A lot more than AOR or your money market fund but I'm younger than you so my portfolio is 100% stocks
AOR is a money market fund?
You should be looking at a balanced portfolio, then. Something like AOR is a 60/40 portfolio fund that has a 2.5% yield So you'll get growth from stocks, stability from bonds, and a better yield for current income.
RPAR or AOR if you want a whole balanced portfolio in one ETF. Or iShares has target date funds. Or low volatility stock etfs. Or buffered etfs. Or just put less money into VOO/VTI and hold more cash.
Tombras as AOR is enough for me to go balls deep in the company
Palantir secure a government contract for 480 million last month for its MAVEN AI prototype. If them being able to monetize AI to the US military isn’t enough reason for the naysayers here is a little more DD on the AI system!! The MAVEN Smart System (MSS) by Palantir along with National Geospatial Agency (NGA) Broad Area Search – Targeting (BAS-T) uses AI generated algorithms and memory learning capabilities to scan and identify enemy systems in the Area of Responsibility (AOR). MAVEN fuses data from various Intelligence Surveillance & Reconnaissance (ISR) systems to identify areas of interests,” according to the release.
That's no different than any other big single point of failure such as if MSFT got compromised. Customers IT policy should not be reliant on their software being perfect. I work for a fed agency adjacent to security and we go through scenarios and drills like this monthly. I personally recently told security to fuck off with a tool they wanted to implement because it was too single source and when it was escalated up the chain and I expressed our concerns it was agreed that it was too risky. You're spot on with the culture and outsourcing portion though, that was actually a major concern I listed in what I mentioned above. "Nah it's safe bro.", "trust us, only the devs could even do that" (15 mins later), "oh we can't ask the devs right now, they're in India". I also admittedly have not done a ton of digging into the specifics of this event, but I can't fathom how this happened so widely. Do none of the impacted customers do testing? Even if this is just something similar to a definition update (though iirc this product doesn't use typical definitions), our critical prod systems are on a 2 hour delay for definition updates so that we can see what happens to test systems, much less the huge scrutiny that version updates or even point updates go through prior to release. There are occasionally expedited updates, but those require sign off from the AO usually and an AOR for lack of adequate testing.
Damn. Nothing beats technical nostalgia. I just got my hands on a PowerMac in 1995 and learned Photoshop 2.0. When 3.0 with LAYERS dropped it was a revelation. Went on to operate imagesetters, color seps, Shockwave CD-ROMs, Flash sites… and an endless parade of shit I would learn to address the needs of the day. Now my career is built atop Adobe’s whole stack with lots of motion work inside the rotting space shuttle that is After Effects. Meanwhile, the FAANG creatives I work across went heavy into Figma as their primary workspace. And it’s awesome, except it was built to do appy/webby things, and feels at odds with its own success. There’s specific production demands it neglects, and good luck bringing in non-creatives if you’re using it as a repo of any kind. I feel like the industry is at a crossroads. There’s so many foundational things PSD and AI address that can’t be easily replaced. But also the things they do specifically well are things that are becoming edge cases as print and non-screen media continue to die off. Then you have Premiere and AE that are juggernauts, but also *three decades old* and still built on that foundation. To make matters more difficult — the entire profession writ large is under price stress. The AOR model is dying. Clients expect incredible results as design shops race to the bottom. In a way, I feel like the future trend may continue to tilt in Adobe’s favor, but with prices adjusted to accept the business reality. What remains to be seen is if Adobe’s 1990s approach to software can maintain its de facto dominance at the student level. I can’t pretend to know.
People are going to tell you to have your parents dump everything into the SP500 and that is frankly irresponsible for someone in their phase of life. An all equity portfolio is more risk than your parents should be taking at age 60. You are going to receive a lot of suggestions from folks in their 20s and 30s for whom that is an appropriate amount of risk. A responsible investment would be something like AOR which is a 60/40 fund. Basically 60% VT and 40% bonds.
If you are retired and would like to generate a little revenue from that investment then consider a value fund like DGRO, VTV or FNDX. You could also use a balanced fund like AOR which a mix of stocks and bonds. Again, this is less volatile. Take the dividends and let the base continue to grow. If you’re comfortable with big swings in the market then the SP500 is a bit more aggressive than the other options listed. Don’t touch Bitcoin. It’s a volatile asset and completely inappropriate for someone in retirement. Bitcoin is not a wise investment for serious investors.
>20% VXUS Still lighter than I'd use as my minimum. >15% AOR This is a fund of funds. A target allocation fund. It doesn't make too much sense to hold with other funds, as it is fully diversified already. Generally either 0% or 100%. >15% QQQ >10% VNQ That's still 25% on bets, where I'd do a maximum of 10%.
I’m thinking: 40% VTI 20% VXUS 15% AOR 15% QQQ 10% VNQ
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.
Theoretically the ideal strategy is immediately going into a diversified portfolio of uncorrelated assets. The specific mix depends on your investing goals, but most large firms now have a variety of options to suit your situation. [Here are Blackrock’s](https://www.blackrock.com/us/individual/products/investment-funds#!type=all&style=All&fsac=43768%7C43569%7C43589%7C43619%7C43778%7C43779) as an example. This saves you trying to do the math to maximize your risk/reward or time the market, and should also save a bunch of fees. (Multi-asset funds generally collapse the fee structure.) If I were not a professional investor I would put 100% in [AOR](https://www.blackrock.com/us/individual/products/239756/ishares-growth-allocation-etf). (Honestly, I probably should anyways.)
so start with VT and invest in that for 10 yrs or so...then start buying AOA around age 45? and then start buying AOR (60/40 stocks/bonds) in my 50s?
AOR back in 2019 when I set up my Roth. bought 75@ $44. reinvest all my divs. up a decent amount for a park n ride.
margin seems to be non-conditional except that you satisfy margin requirements and account > USD 2,000. https://invest.tradeup.com/ 182-day T-bill auction avg disc rate 5.295 -> 5.50% AOR spread = 5.50%-1.99% = 3.49%. How did you get the 8% return again?
What do you guys think about this allocation? First time investing so not too sure about how to do it. Looking to keep this portfolio for 20+ years (still 20 years old). S&P 500 Index - VOOG - 14% Nasdaq Index - QQQM - 11% Total Stock - FSKAX - 10% International - VXUS - 10% Mid Cap - VO - 8% Small Cap - SCHA - 8% Balanced Fund - AOR - 12% Retirement/Target Fund - VLXVX - 1 Bonds - BND - 11% Open to any feedback and changes, especially as I am a beginner and haven’t invested anything yet! Thank you! 20 years old - Stable income and employment contract signed - Retirement
Historically, this diversification has never paid off. When the US had its financial crisis, it brought down almost every single country in the world with it. There are some European stock markets that still haven't recovered. People love to assume that this is the year emerging markets will become developed nations and that Europe will start churning out unicorns, but I really can't see it happening. Europe is still Europe, China is still China, and Mexico is still Mexico. The factors that made them unattractive before still make them unattractive right now, and the things that make the US attractive are still very much alive today. The stock culture, size, and strategic geographical location all make the US the best country to invest in. Always has been always will be. I believe in American Exceptionalism, and if you look at the factors that tumbled past empires, the US is invulnerable to most of them, particularly invasion from neighbors. All of that said, Blackrock has some pretty good etfs that will probably cover your needs. AOM, AOA, AOR, and AOK. The only difference between them is the allocation towards fixed income/stocks. Judging by your post, I would think you have no fixed income, so AOA is probably your best bet.
So [PV](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2020&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&reinvestDividends=true&showYield=false&showFactors=false&factorModel=3&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&symbol1=VSMGX&allocation1_1=100&symbol2=VOO&allocation2_2=100) says S&P 500 is 18.2% nominal and 60/40 AA is 13.59% nominal return for 2020. So I would agree you are doing something wrong. Note, I picked VSMGX, since I'm lazy and it's a good 60/40 AA fund that exists in the real world. A synthetic 60/40 AA might be a little different. Another real life 60/40 fund is AOR.
I am going to assume they aren't using returns with dividends reinvested ? YOu can do some basic backtesting with AOR, Ishares global 60/40 etf or VSMGX life strategy global 60/40 fund/. VSMGX has data for 38 years or so its a decent amount. According to portfolio visualizer the CAGR is 7.28%. If for some reason you don't want international you can back test with PF using US stocks and bonds , or you can use a fund like VBIAX, or the older vbinx, to back test. Thats using total stock instead of sp500 though. ​ You can look at 60% large cap/40% us bond market [here](https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=1972&firstMonth=1&endYear=2023&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&asset1=LargeCapBlend&allocation1_1=60&asset2=TotalBond&allocation2_1=40) data only goes back to 1987 though. US large cap is probably a close enough approximation of sp500.
The most diversified that you can get is to buy the global market portfolio. AOR is not too far off from that.
I have started under instruction trading crypto options. I am doing this to a site through Trust Wallet. Is this legit ? I’m profiting but I’m unsure of the site and how it works. I figure logically if it’s through trust wallet then should legit. Any hints tips etc to see legitimacy of the trade platform. AOR agrin.me/? utm_source=Trust_iOS
All my bonds except AOM and AOR.
I have a 6-8 year target to retire from the corporate life so I am doing 100% AOR which is 60/40 stocks & bonds with a blend of domestic & international. I would be suprised if it moved much lower from here (maybe 10-15% max).
[r/investing just looking from the side with their fully invested VOO and VT in tax advantaged retirement accounts.](https://c.tenor.com/rgegj1AOR1IAAAAC/awkward-black.gif)
> turns out my personal risk tolerance is way less than I thought So you need to figure out what your risk tolerance is. Clearly margined tech growth stocks are way outside your comfort zone. No worries. Can you handle an all stock portfolio? (hint: many people can't) You went down -40%. A crash can easily go 50 or 60% down if 100% stock(VT or VTI or VOO). So anyone that is recommending you go 100% stock is ridiculous. So you can start super conservative, say the ETF AOK(30% stocks) and wait until the next crash and then re-evaluate. You should expect a worst case around 15%. Or you can start middle of the road say the ETF AOR(60% stocks) and wait until the next crash and then re-evaluate. You should expect a worst case of around 30% down. Or get "aggressive" with AOA (80% stocks). You should expect a worst case of around 35-40% I'd recommend starting in the middle(AOR) and then wait for an actual crash and go from there.
Check out this genre “AOR”
Long term I like AOR at $47 if it ever gets there
I invest monthly into a fund for retirement and buy passive global index funds. I am not asking for a recommendation of one fund over the other, but rather wonder if there’s a list somewhere of all the passive index funds. I know Black Rock has IVV, AOR, AOM, and AOA Vanguard has VT, VTI, VXUS and VOO I want a website that lists similar ETFs from other big investment firms, and if it has a nifty comparison table with expense ratios and similarities/differences that would be even better.
Consider it tuition money. Looks like you're a terrible stock picker, would play it safe with a balanced portfolio (couch potato) strategy, like AOA or AOR all in one etf. Ignore the get rich, hit the lottery Reddit posts, and get rich slowly by investing in the broader market.
I'm not sure why you're trying to avoid mutual funds. For example, Vanguard Balanced Index Fund (VBIAX) is a popular choice, and has a very low fee at just 0.07% ER. It's roughly equivalent to 60% VTI and 40% BND. Granted, it has a $3,000 minimum buy-in, so it's not for everyone. But if you can afford it, Vanguard mutual funds are as tax-efficient as ETFs, and mutual funds do of course have the benefit of being "fractional" by nature; you can invest any dollar amount, and Vanguard supports automated investing on a schedule. At a somewhat higher price point, Vanguard LifeStrategy Moderate Growth Fund (VSMGX) is another popular choice, with a 0.13% ER. Unlike VBIAX, it includes both international stocks and bonds, and is a "fund of funds" that (last I checked) only charges the acquired expenses of the underlying funds, so holding VSMGX is exactly equivalent to holding those funds. The stock portion is approximately 60% US, 40% international stocks. If you don't want a mutual fund, AOR (iShares Core Growth Allocation) is a popular ETF, but its expense ratio is rather higher, at 0.25%. Unfortunately, all-in-one ETFs are not quite as popular in the US as elsewhere in the world, probably because US index fund ETFs (think VT, VTI, SPY, etc.) have so low fees, which isn't true about most of the world, where funds often start around 0.20%.
I use AOA in my HSA but its pretty aggressive (75/15 i believe). AOR is less aggressive and is 65/35. its also 25% international.
Please do the reading yourself: Results: Nearly all participants had positive attitudes towards vaccines and agreed they would likely be exposed to COVID-19; however, only 53% indicated they would participate in a COVID-19 vaccine trial and 23% were unwilling to take a COVID-19 vaccine immediately upon FDA approval. Students willing to immediately take the vaccine were more likely to trust public health experts, have fewer concerns about side effects and agree with vaccine mandates (P < 0.05). Concern for serious side effects was independently predictive of lower odds of intent to participate in a COVID-19 vaccine trial (AOR = 0.41, P = 0.01). Conclusion: This is the first study to evaluate COVID-19 vaccine hesitancy among US medical students and highlights the need for an educational curriculum about the safety and effectiveness to promote uptake of the COVID-19 vaccine.
drill team six, watch your feet our AOR is loaded with bull traps if you see a trapped bull, two in the chest one in the head make it quick
I would think you would want something simple, sound, and non-speculative. VBINX from Vanguard or AOR from Blackrock implements a standard 60% stock / 40% bond portfolio. I'd suggest a single ticker stock/bund fund, to avoid having any of the stakeholders involved try to understand the performance of the different components and tinker further and to avoid the volatility of an all-stock portfolio.
Graduated DLI then did the analysts’ job for them at my duty station as the couldn’t find the country of our AOR if their life depended on it. I’d also stand over them and tell them what to write in the klieglights.
I just exited a whole lot of stuff (MAT, F, RKT) and dumped it all into AOR. I need a break from the market drama for a few days.