AVDV
Avantis® International Small Cap Value ETF
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Trying to tilt for value/small cap, am I doing it right?
Would AVLV theoretically be any more profitable than a passively managed fund like VOO?
I have a mental issue when benchmarking my portfolio - looking for advice.
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Playing around with a possible portfolio of ETFs.. tel me what you think and why and possible suggestions.. I’m wanting something we diversified and to be able to set it up on auto invest. I think these are ETFs so I believe that leaves me with M1 or E*Trade..
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
Finally settled on an investment plan, wanted to see if it sounds good or not
What is the correct calculation of P/E or P/B for this ETF?
Advice on my Roth IRA portfolio?
What stocks or funds can I add to optimize and strengthen my portfolio?
How to create a VT like portfolio using ETFs like NTSX, NTSI, AVUV, and AVDV?
Does anyone just own SCV, REITs, etc. outright instead of as part of an official "tilt"?
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It does but youre missing growth opportunities elsewhere such as AVDV, RING, SLVP, SOXX etc
I wouldnt do 100% VT, maybe 50%, add some AVDV, SOXX and some gold miners
Im more about global diversification so something like VT, AVDV, SOXX, RING, and SLVP
Former financial advisor here. First, it depends on where you hold these accounts (IRA, Roth, Taxable, etc) It also depends on how much of your overall net worth this would represent. Most importantly, it also depends on your tolerance for risk. In general, you probably shouldn’t own any individual stocks. The likelihood is in the long run you will underperform or take more risk for the performance you get. Presuming your risk profile is a 10 out of 10 (Based on your stock picks), why not just hold VT at 80% and 10% each of AVUV and AVDV. This would tilt your portfolio towards small cap value which has historically had better performance than the overall market. If you wanted to add a tactical sleeve containing individual stocks (I wouldn’t, I’d still say buy an ETF) keep it under 20% of your portfolio. If you need this money in the next 10 years, you should have as much as half in bonds.
>is the common advice still to just blindly pile into the S&P 500? it depends on who you ask. Rob Arnott is a big name in the investing world, and 2 years ago he was recommending international value stocks. https://www.youtube.com/watch?v=YzZuwe0IPEE for 2025, Arnott's FNDE was up 25%; VEA was up 42%; IVLU was up 46%; FIVLX and AVDV were up 45%; DODFX was up 38%; and TRTIX was up 44% ... to pick a few international value funds. >than it has for the decades of American stock market over performance decades? an international developed markets index outperformed the S&P 500 every year from 2002 to 2007, 1983 to 1989, and occasional other years here and there. https://www.blackrock.com/us/financial-professionals/literature/investor-education/why-bother-with-international-stocks.pdf and outperformed almost 50% of rolling 10-year periods back to 1970. https://www.tweedyfunds.com/wp-content/uploads/sites/10/2022/09/Dichotomy-Btwn-US-and-Non-US-Sept2025-Fund.pdf >Personally I think it's incredibly risky to not have a significant international portion of anyone's portfolio at this point. I have rebalanced to ~60/40 International/US in my equities given what I'm seeing happening in my country as an American. it would have been best to rebalace a few years ago when international was beaten down and unloved. but better late than never, assuming you're willing to ride it out the next time international slumps. virtually all professional investors recommend global diversification. it's mostly younger people on reddit who say the magic S&P 500 is the only thing you ever need in the portfolio.
I dramatically increased my international equity back in April 2025 and the returns have been excellent. I think the real trick though is don’t blindly pick a boring all-market fund like VXUS, get something with some strategy, methodology, finesse. My favorites include FNDF & FIVA for developed market, and FNDE for emerging market. Schwab’s FNDF and FNDE use fundamental method to evaluate company health when selecting stocks. FNDF consistently beats VXUS, and FNDE has high yield dividends that help a lot when reinvested. Fidelity’s FIVA use value factor method, looking for potentially undervalued stocks. The dividends are really high every quarter, and the performance over the past year has been a jaw dropping 44.65% gain. I have a crush on this ETF. AVDV is another one to check out. I don’t own it, but it’s a small cap international value, meaning it can be volatile but also impressive.
There are way better international ETFs than VXUS. For international, because of how erratic the economies of developing countries can be, some type of selection is good. Yes I know the US is becoming more erratic, but it's worse in many other countries. I like IDMO (large cap momentum) and AVDV (small cap value). I also have CGDG although that is 50/50 US and ex-US.
80% VT 20 AVDV is an excellent portfolio
I’ve been diversifying and incorporating more gold and international ETFS. GLDM, IDMO, AVDV. Someone unrelated, also adding more of a value tilt to my portfolio and backing away from the large caps a bit. Small cap value, some dividend funds AND REITs.
Optimal portfolio theory would tell you to seek higher leverage with smaller funds because large percentage losses are still much easier to make up for. I use 2X leverage (writing SPX-Box spreads for low-cost, tax-efficient credit) on a 200k Portfolio with internationally diversified small-cap-value funds (25% AVUV, 25% AVEE, 50% AVDV), deleveraging as my portfolio grows. I aim for 1X leverage at 500k and about 0.8X at 1M. These numbers need to slowly be adjusted upwards with inflation. (e.g. 1M now might equate 2M in 30 years). Also, I would double those numbers if I had a spouse to support. The rationale is, that I wont ever need more than 1M in retirement if I factor in social security and a paid-for house, so there is no point going high risk at that point, whereas using high leverage now gives me the highest chance of getting there.
I think its good to be globally diversified even if it may reduce returns long term. A good international fund is AVDV, pairs well with VT, VOO or VTI
Most Canadian banks will let you buy (most) US ETFs. I own GLD, AVDV, AVUV and more in a USD account with Royal Bank Investing. There are also often Canadian versions of standard indices. E.g. CA:VFV is a vanguard S&P 500 fund.
AVDV. It has returned quite nicely this year.
I'm not sure I'm the best to ask for advice here but these are the ones I have. Mostly based on diverse exposure and low fees. FLBR Brazil IPAC Asia Pacific NDIA India VWO Emerging Markets/China AVDV International Small Cap and GRAB and SE from Singapore.
There are options beyond the S&P 500 with far less AI bubble risk and lower valuations, for example: \- AVUV and AVDV: small-cap value \- VXUS: international ex-US
VXUS is the standard international diversification. AVUV and AVDV are the small value funds for the US and international developed markets which are less correlated with bigger companies. BND, and IEF are solid bond funds for uncorrelated assets.
30% VOO 10% AVLV 10% AVUV 10% VXUS 10% AVDV EM portion stays the same It ain't that easy to stay the course with a completely factor tilted portfolio. Back it off a little, hold some of the market.
For what it’s worth I am 25% each AVIV AVDV AVEV ALLW
Like the DFSV & AVDV combo.
Longterm historical data demonstrates that diversification outperforms S&P500 only (Fama French). Meanwhile, we are living in one of the most successful runs of the S&P500. Until the start of 2025, discussion on Reddit was all about “VOO and chill”. Over the last year, however, international equities has meaningful outperformed the S&P500 and this may very well represent a transition in equity dominance from U.S. to international. Time will tell. S&P500 up 17.2% YTD, Total International Equity up 34.2% YYD (AVDE), and International Small Cap Equity up 44% YTD (AVDV). This past year was a strong lesson to me regarding the importance of diversification. VOO is a fine fund and a very reasonable portfolio investment. I think there is strong argument to broaden to include VTI and/or VXUS. Good luck!
There are plenty of options beyond the S&P 500 with far less AI bubble risk and lower valuations. Don’t have to buy bonds. \- RSP: equal-weight S&P 500 \- AVUV and AVDV: small-cap value \- VXUS: international ex-US \- XMHQ: mid cap quality
Im a huge fan, using a partial allocation to LETFs to increase exposure to the market to make room for uncorrelated diversifiers. Bonds, managed futures, gold. Uncorrelated assets offer the opportunity to rebalance on a fixed schedule like a target date fund but with more juice. I use UPRO, GDE, RSST to provide leverage, and add in ZROZ and AVDV and AVNV for long term treasury exposure and intl value exposure.
Some tickets I’d be considering some allocations into that aren’t the S&P, Nasdaq, or VXUS are SOXX, VGT, AVDV, and AVUV. Allocations, not the entire amount.
1) 70% VTI (broad US market) or SPYM (S&P 500, US large cap - pick whether you want the whole market or just large companies, either is a defensible choice) 2) 20% FIVA, IVLU, VYMI or DFIV - international value large caps 3) 10% AVDV or DISV - international value small/mid caps
This shouldn’t surprise anyone. If you are 100% S&P or even 100% US you are missing out. AVDV (International small cap value) has returned 45% this year
AVUV and AVDV would have higher exposure to “dividend” stocks given their value and profitability sorts. There’s a broader concept here I’d like to point out which is that dividend ETFs tend to outperform due to their quality/value exposures and it is more effective to go directly to the factor itself.
401k is just VOO, VEA, VWO. IRA is FXAIX/FZILX/AVUV/RPV/AVDV/DFIV
45/30/15/10 VTI/VXUS/AVUV/AVDV presently
I don’t know how you could possible come away with that impression unless you asked Siri for a summary. AAPL is up 16% since I sold. My portfolio is up 35% over that same time frame because I rotated into better opportunities—even higher if you look at the specific equities I bought because of the AAPL sale (GOOG, NVDA, DFIV, AVDV, AVEM).
Thoughts on the small cap value space for 26? I’m in AVUV and AVDV. Thinking about adding more.
I’m about to start heavily buying small cap value ETFS. AVUV and AVDV.
To load up on VTI or AVDV today, that is the question
VT, AVUV, AVDV Total market with a bit if a small cap value tilt.
I'm beating the market this year but only because AVDV has been ripping all year.
I went from almost entirely US Total Market (VTI) to 60% US total market, 5% Emerging Small cap value (AVDV), 10% gold (GLDM) and silver (SLV), 17.5% US small cap value (AVUV) and the remaining a few international picks (IEUR, VXUS, EWG, EWU)
The most important principle in investing (in my opinion) is diversification. You want to buy a globally diversified portfolio of stocks, and the ETF that achieves this is VT (Vanguard Total World Stock Market Index Fund). If you invest $100 into VT, your money effectively goes to all the publicly traded companies in the world according to their market capitalization. Nvidia Corporation is 4.26% of the world's stock market capitalization, so $4.26 of your money would be invested in Nvidia Corporation. Similarly, Rolls-Royce Holdings is 0.13% of the world's stock market capitalization so $0.13 would be invested in Rolls-Royce Holdings. You get the idea. The point is that you are not betting on any individual country, sector etc. by investing in VT. The safe option to start off with is to buy VT, and keep investing whenever you can. Now, there are ways of "beating the market". Financial science suggests that there is no publicly known way to do so without taking on more risk (if there was a less risky way to do so that was publicly known, wouldn't everyone do it and then it wouldn't work anymore?). For example, factor exposure (which was introduced by Eugene Fama and Kenneth French in their Nobel Prize winning paper) suggests that, for example, small cap value stocks are expected to outperform the market over long time horizons because they are inherently riskier. The historical data suggests this is the case. You could tilt toward small cap value with ETFs such as AVUV (Avantis US Small Cap Value) and AVDV (Avantis International Small Cap Value). Emerging Markets is another sector of the market that is inherently riskier and has historically delivered higher long-term returns than the US Stock Market, for example. You could tilt a bit to Emerging Markets with AVEM (Avantis Emerging Markets), and especially AVES (Avantis Emerging Markets Value) and AVEE (Avantis Emerging Markets Small Cap). Avantis' methodology is based on the Fama-French model and their research and this has also historically outperformed the market over long time horizons. My suggestion is to buy VT, and if you want some tilts you could buy some AVUV, AVDV, AVEM, AVES, AVEE (of the latter three, AVEM is the best if you want to go with one). I would keep at least 75% of your investment in VT (maybe more) and tilt according to your preference after you have done some research and asked lots of questions. The other method to outperform the market is buying individual shares. Unfortunately, this is really risky and mostly does not pay off unless you are willing to do a lot of research and buy and hold for long periods of time. I couldn't tell you what individual shares will take off in the next 10 years with any sort of guarantee. On the other hand, there is a third method to beat the market, by buying leveraged ETFs. It turns out that leveraged ETFs, provided the leverage isn't too high, do outperform the market over long time horizons, but I wouldn't recommend getting into them until you have accumulated more knowledge and started with the core base of VT. I wish you the best in your investment journey! You absolutely can't go wrong, over long time horizons, with VT. Remember that investments in stocks (including VT) is for the long haul, these do not function as savings accounts, because they can be volatile in the short term and have drawdowns lasting several years. You should look at the historical performance over decades, however, to see that if you stick with them, and provided capitalism continues to thrive on Earth (which in my mind is a safe bet, unless something really disastrous happens), then VT will give you strong growth over a long time horizon. I would estimate it will beat inflation by around 5% on average per year based on historical performance, and that compounding effect can really snowball over several decades. A cool stat is that $5 a day invested for 45 years at 10% annual return, would be around 1.4 million dollars, where 80k of that is your own money, and nearly 1.4 million of that is interest earned from investments. If you contribute more early, then of course, you can see faster results. I wish you all the best in your investment journey! 😊
My fun money earnings play on MGM paid off. Made 3.3% in the week I held while SPY was -2.2% and QQQ was -3.5%. I also cut my losses (finally) on UPST. Took a -43.5% loss while SPY returned 40.1% and QQQ returned 52.1%. I put the UPST funds into AVDV (increasing my share count by 18%), PRCT (share increase of 13%), and QXO (share increase of 18%).
Hey man, I saw you a lot around here and your advice is pretty easy for a beginner like me to understand. Mind if I ask you a question? Right now, I’m in a similar position. I only hold SPYM but want to add more international diversification. If I plan to hold long term, what do you think of IDMO + AVDV. I feel like this cover both ends of developing markets. But I’m also willing to switch out IDMO for AVDE, IDEV or FENI. I also plan to add some forms of EM like AVEM, AVES or FRDM. Personally, what do you think about these funds? I plan to do 20% for DM and 10% for EM.
Yes, but I would suggest a modified basket of funds: - QQQ - SPY - AVUV - AVIV - AVDV
The choice isn’t expensive US large cap stocks vs. cash. The alternative is buying almost anything other than the market-cap weighted S&P 500. Some great options include: international stocks (VXUS), small-cap value (AVUV, AVDV), sector ETFs where reasonably valued (e.g. health care RSPH), an S&P 400 mid cap ETF, an equal-weighted S&P 500 ETF like RSP.
Just for reference, how much of your portfolio is international now? Also what picks did you go with? I have about 10% international (about half half of that is VXUS and AVDV).
FYI, she can't have an IRA or 401k until she has earned income. Since it can't be put in a tax sheltered account, it is wise to focus on investments with low fees and low turnover (to minimize capital gains). That means stock index funds. If it were me I would go with an aggressive, long term focus. 70% VT (total world stock index) 15% AVUV (US small cap value) 15% AVDV (international small cap value)
AVDV - International small-cap value
I hold broad market indexes for the most part, though I have some actively managed value funds like AVUV and AVDV
A lot of LCV is going to be heavy in FAANGS, NVIDIA, and so on. For example, I just looked at FDRR and the top 3 holdings are NVIDIA, Microsoft, and Apple. But others will be less so -- VTV has no tech stocks in its top 10 holdings. You should be able to see holdings on Morningstar. Ways to avoid: sector funds (industrials and energy seem to be doing well, check on FIDU and FUTY). International value is having a bang up year and has very little technology and certainly no FAANGS etc. You could look at FIVA, JIVE, DFIV, VYMI, or even small/mid cap international value such as AVDV or DISV,
Thought's on the following overall breakout? Want to stay generally broad but thinking of doing a bit of a tilt towards US as well as large cap momentum & small cap value. Timeline is 30+ Years - In my low 20s and will be maxing out Roth & 401k (plus some funds going into brokerage) for the foreseeable future) US (80% of total): 64% US total market (VIIX + VIEIX in my 401k mimics VTI weight) 12% SPMO 4% AVUV Ex-US (20% of total): 10% International total market (VTSNX in my 401k) 5% IDMO 5% AVDV
I hold AVDV for international, but even just holding large US companies will provide lots of international exposure.
I have a small amount in AVUV-is it worth switching to AVDV?
As of last Friday, AVDV total return YTD is 41%.
AVDV has been a standout as well. 35% or so ytd is kinda insane I'm ngl.
AVDV is 35% ish ytd right now. Shitting on even the beloved VGT. It's really funny the excuses happening for US undefperformance. US dollar is weakening (they didn't mention this was the US dollar was strengthening), and other bogus excuses.
Running that for my portfolio was brutal. So many tickers lol. My benchmark paper portfolios were easy since it's just SPY or QQQ "transactions". Anyway, data goes back to January 2009 when broke me opened my first taxable brokerage with $50 and purchased 10 shares of WBS for $4.715/sh and paid a $9.95 commission(!). Retirement joins the data in March 2014 when I began actively managing my own 401k (and opened my first IRA) instead of leaving the money in mutual funds. * SPY benchmark paper portfolio has returned 12.17% annually for a total return of 579.9% * QQQ benchmark paper portfolio has returned 14.56% annually for a total return of 866.8% * My portfolios have returned 14.85% annually for a total return of 927.6%. Worth noting for the past 2.5ish years, my portfolios have trailed QQQ by a wide margin and has barely kept up with SPY. I think I'm a few bps behind it now. Hence I've been consolidating my portfolio into 15-30 core positions I have the highest conviction on and the remaining funds are being put into QQQ/VOO/AVUV/AVDV. With my daughter growing up and more stuff to do, I just don't have the same time to enjoy researching companies and maintaining a 100% active portfolio.
If you insist on equities, diversify into a fund that is less correlated to S&P/Nasdaq. I.e. less concentrated, lower multiples, small caps, potentially international. Pick one of the following: VFLO, DSTL, OAKMX, AVUV, AVDV. These will each likely hold up relatively better if the major indexes draw down. Remember, value stocks and many cyclicals had very positive returns during the crash that followed the dot com bubble.
You can mitigate USD decline by investing in international equities, ytd they are trouncing their us equities counterparts eg AVDV (up 35%) vs AVUV (4%), IDMO (32%) vs SPMO (25%), FDD (44%) vs VTV (9%) etc. Or simply buy GDX or SIL to profit from the consequent stagflation from USD depreciation. Yesterday I just watched on youtube a daytrader show the 17yr trendline in DXY is on the verge of being broken which could lead to a further 25% decline & he's worried this heralds the end of American exceptionalism including the stock markets. Needs a truly exceptional president to do that.
Actually I AM overweight foreign markets (FNDF, FNDC, DEM, AVDV) and gold and silver. And recently I added Palladium on its pullback. But nice try, amigo.
Currently 42. Peaked around over 100 in 2022 (100% stocks, 0% in ETFs) I had my daughter a few years ago when I had a lot more time to enjoy this hobby. I've trailed the market a bit the past 2.5 years (started investing 16 years ago, still beating the market overall since then), a cause of which I put towards less time to stay up-to-date with companies so I've been slowly working my way down to my goal of 25-35 individual companies and 75% of my cost basis in AVDV, AVUV, VOO, and QQQ. Goal to reach that by is 2030. Current cost basis in ETFs is 37%.
AVDV has been killing it lately, but these factors don't necessarily move with the market. They could be negative for decades. So you buy into all this stuff, decide is sucks when it is negative a decade from now, and then sell it low to buy high in something else. It is a mental trap. I guess this is fine if you actually believe in it and think this is the best course.
I added AVUV and AVDV in addition to my normal holdings as a test run replacing my previous value play, schd. Time will tell but I figured it would be a fun experiment and should provide similar returns.
I just now learned about HBM when looking at AVDV's holdings (context: https://www.reddit.com/r/stocks/s/nWNTXVlay4). Will probably keep looking in there to see what other interesting ideas are in that portfolio. Been looking for more mining names, so will check out ERO more. Thanks! Also might enter a position in B2Gold.
Wow look at MMSMY! I should just hold AVDV and leave it to the pros. Lots of gold and mineral companies as the larger holdings (due to appreciation). Whitecap and Hudbay minerals are two interesting names I haven't heard of before.
I wish I got some AVDV along with my AVUV. That was a mistake. I have been seeking out more international exposure over these last few months though. I didn't think of checking AVDV's top holdings. I'll do that now!
Find it remarkable how robust the international markets have been this year despite tariffs. I have 10% of my portfolio in AVDV (+37.5% YTD) and 20% in diff. versions of VXUS (+25% YTD). Is international diversification *finally* working? Meanwhile my US SCV is up a measly 4%. The SCV factor may be dying in the US but it's thriving internationally. [All total returns here]
There are some individual stocks I invest in like UL and SHEL but for the most part just for simplicity I use an ETF. IXUS and AVDV is what I use.
International is going gangbusters this year after 15 years of underperformance. VXUS up 24% and AVDV up 35% YTD.
Our household income iS mainly in the 15% tax bracket. Some years it goes into 22%. Our Roth IRAs hold mainly SPMO/IDMO and AVUV/AVDV. Taxable is mainly VTI, SCHG, SPLG. We’re holding 10% of the household portfolio in AVDE in our taxable, but realize we’re not catching all international markets. Do you have any recommendations for this strategy? Or just leave as-is?
Depends on your tax bracket. The bracket that benefits most from optimization is the 35% ordinary/15% qualified or the 37% ordinary/20% qualified bracket. For this group, I recommend splitting tax-efficient developed from the tax-inefficient emerging: - DFIV in taxable for large cap value, this is actually better than US equities since it is nearly 100% qualified plus gives you foreign tax credits - DISV or AVDV in taxable for small cap value. DISV is more tax efficient but AVDV has performed very slightly better - AVDE is reasonable too, but less tax efficient - Your choice of emerging market fund. AVEM, DFAE, DFEM are pretty good with better liquidity than heavier tilted options, but you probably want them in tax advantaged if you have some room there. The DFA funds are more tax efficient but haven’t performed as well. If you’re in a lower tax bracket (for instance 20-22% ordinary/15% qualified), then it’s actually better to get them all in taxable. This is because the advantages of the foreign tax credit outweigh the disadvantages of lower QDI.
This victory shares etf looks bad. AVDV is way stronger on the value tilt exposure end and IDMO is way better performing on the momentum end
I have a little group of funds I use for moderate to moderately aggressive growth while trying to balance market exposure and include some defensive components: VTI (30%) VXUS (15%) LRGF (15%) QQQM (15%) AVDV (10%) MUB (7.5% QUAL (7.5%) These are in a taxable account, which I’m assuming you will be using. I use a different strategy in my tax advantaged accounts.
I guess the foreign tax credit rate advantage would presumably apply in the DISV vs AVDV case for international small-cap value tilts. Overall, you would say the ER matters most to you though?
Sold my COST shares and put all the funds into AVDV, AVUV, QQQ, and VOO. Costco immediately goes on my Buy? watchlist. If it dips below 40 p/e, I'm opening a starter position. If it gets close to 30, I'm backing up the truck. I sold because I just don't see how it's a market-beating stock over the next decade at current valuations. I got 26% returns per year for 5.25 years of holding, easily thumped the market. Happy to take those gains not to cash but to broad-market ETFs. Also closed my short-term HSY play in my fun money allocation. I tried to bottom feed and ultimately made some money (4.7%) but trailed QQQ (13.4%) and SPY (14.8%). My fun money allocation has grown too large so I re-allocated those HSY funds to my retirement money and put it all into the same 4 broad-market ETFs.
Planning to sell my HSY position and re-allocate the funds equally to VOO, QQQ, AVUV, and AVDV this morning. Also [still contemplating](https://www.reddit.com/r/stocks/comments/1n77xig/comment/nca7baw/?context=3&utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) taking a starter position in Warby Parker (WRB).
I meant for the us portion. If you had 80% US then 50/25/25 of that. However, I think you need at least 25-40% international to make it worth it… unless your international is AVDV and/or AVEM but that’s if international isn’t about broad diversification but seeking value and potential growth exposure, since emerging markets has more growth potential than developed and small cap value is more undervalued than us small cap.
Yeah, Howard Marks says to stay away from the S&P 500 for the next decade. Tom Lee says we’re going to have a bill market for the next ten years. I’m more on Tom Lee’s side on this one, despite the overvaluations. He says the forward p/e on international growth stocks is far worse than US growth stocks even at current valuations. Personally, if I believed in Howard Marks my portfolio would be 25% SPMO 25% IDMO 25% AVUV 25% AVDV. Basically the Paul Merriman portfolio but with momentum for large cap.
Bonds are just as risky as stocks with low return potential. The ten year return of BND is around 1.5% per year, not even keeping up with inflation. They are okay for diversification and peace of mind but I think 70% bonds is reckless. If you are scared of another lost decade I highly recommend investing 70% into funds negatively correlated with big tech. AVUV, AVDV, AVMV, AVIV, AVES, 0r just AVGV to get all of them. I’d recommend 30% AVUQ, 70% AVGV. But it sounds like you need a financial adviser who can teach you emotional management. Behavioral risk is the biggest risk of investing.
I do a multi-factor portfolio with a mix of momentum, quality, tech and size/value. SPHQ, SPMO, XMMO, IDMO, IGV, SMH, AVMV, AVUV, AVDV, LVHI, even split between funds. 20% quality, 30% size/value, 20% tech, 30% momentum. 70% US 30% international. 60% large cap, 20% mid cap, 20% small cap.
International Small Cap Value funds like AVDV are killing this year. Up 31% YTD.
I don't see the need for the bond allocation at your age tbh. If you have some money that you may reasonably need in a short/medium term, TIPS would be fine. But for an account that you're holding longterm it's unnecessary. I would keep any emergency or cash funds in a money market fund and for longterm account just allocate that 15% in bonds into your stocks. I would personally allocate to something like AVUV for some small cap value, but that's just my opinion. You could also do a bit more international if you want, 25% is fairly low. Maybe something like 10% in AVUV (US Small Cap Value) and 5% AVDV (International Small Cap)
You should look into funds like AVUV and AVDV. These are vehicles that typically attract 'factor investors' as they tilt very heavily toward profitable small cap value stocks. Well guess what that weeds out? Definitely the huge AI companies. They've had a worse than average decade, but in the past have delivered great premiums. The reason they've lagged this last decade is large cap growth stocks (the very AI companies you're worried about) have dominated. If you think those are a mirage, a nice play would be tilting toward these types of ETFs.
Its always a good time to buy cheap profitable companies across the globe! Just make sure your time horizon is at least 7+ years and youre good. I personally have 40% of my assets in AVDV and will continue to for decades.
AVDV has been crushing it for me this year. Keeps my IRA showing little green numbers on my homepage more often than not.
AVDV is a great international small cap fund
I’ve been a holder of AVUV and (this year) AVDV. AVDV is up nicely for me so far. but I’m with the sentiment that for small cap, you might want an actively managed fund like Avantis over passive ones. I also hold AVIV but that’s not small cap. International is doing quite well in 2025 so far.
VGT instead of QQQ. VOO is also good for core portfolio. But be aware, you are 100% USA like this. You probably still want some international (VXUS or AVDV).
Taxable or not? Time horizon? What would be the goal of this portfolio? Just to invest? If that's the case, I would remove SCHD, GLD, SLV. VXUS @ 10% seems pointless to me. Therefore, I would probably do something like 50% VOO, 20% QQQ, 30% AVDV (i prefer this over VXUS). This is assuming a longer time horizon. I also assumed that you solely wanted large cap which is why i didn't comment on the lack of diversification
OP, I love VGT. I allocate 10% of it to my holdings. Then I hold 70% VTI and 30% AVDV.
I'm not American so all my funds are Irish-domiciled equivalents. Instead of AVUV+AVDV, I'm invested in AVGS, which is Avantis Global Small Cap Value ETF.
I'm like 50/50 but that's mostly because AVDV has done so well very recently
My AVDV position is bigger than AVUV (I'm 55% international).
Ya'll need to add AVDV with your AVUV holding. I think around 70% AVUV / 30% AVDV is the current market cap ratio.
Not sure if this is right place to put this. I'm finally starting out investing and using retirement accounts. I've done a bunch of research. I've got about a 32 year time horizon. I've never really asked for advice about this stuff. Here is my allocation: Roth IRA (represents 40% of my total portfolio): 35% FNILX (broad large cap) 30% XMMO (mid cap momentum, overweighted here because I can't get this in my other accounts) 15% AVUV (small cap value) 15% FZILX (broad international, developed and emerging) 5% AVDV (international small cap value) Roth 403b (represents 20% of my total portfolio): 65% VIIIX (S&P index) 15% DFFVX (small cap value) 20% VTSNX (broad international, developed and emerging) Roth 401k (represents 40% of my total portfolio): 65% SWPPX (S&P index) 15% DFFVX (small cap value) 10% SWISX (broad international, developed) 10% DCEFX (broad international, emerging)
AVUV AVDV and AVES bc I'm young and willing to take on more risk.
I commented [the below](https://www.reddit.com/r/stocks/comments/1je10ha/comment/mii6v8k/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) on Inspire Medical (INSP) in the March 18th daily thread: >Inspire Medical, a company with a pretty revolutionary sleep apnea treatment but is considered at risk from the GLP-1 weight loss drugs, has had inside ownership between 4.1% and 5.0% from 2020 through 2023, roughly 1.3MM shares held on average. >By the end of 2024, inside ownership had fallen by nearly 50% from the previous 4 year average. Insiders owned 696,065 shares (2.3%) when 2024 ended. Some of the share decrease is due to board members retiring (one had owned nearly 93,000 shares but isn't an insider anymore) but included in those big share decreases is the CEO (who sold 45% of his shares, nearly 300,000 of them) and the EVP of Patient Access and Therapy Development (who sold 47% of his shares, nearly 47,000 shares). >I had remained cautiously bullish on INSP as I believed the tech would continue to see strong demand and adoption even in the face of potentially decreasing cases of sleep apnea as obesity dropped from GLP-1s but this insider selling has given me second thoughts. Looks liked insiders knew what was coming. A recent 4.4% cut to FY guidance has driven the stock down 40% today. I stick think the tech is impressive and truly makes a difference but DermTech also had incredible tech that improved patient lives... and they went bankrupt because management couldn't execute. Inspire may rebound a bit. They may get bought out at a slight premium. This may be the bottom. That's fine. I'm out. Sold for a 68% loss (SPY was +44% and QQQ was +58% over the time I held) and put my remaining money into VOO, QQQ, AVUV, and AVDV. [One position closer to my target of 15-25 core positions](https://www.reddit.com/r/stocks/comments/1merxze/comment/n6cyo8k/?context=3&utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) and the rest of my money in those 4 ETFs.
There is plenty of value to be found. Selling has been relentless in stocks without momentum. Some examples: LULU, DEO, NVO, TMO. Then there are small-cap value ETFs like AVUV and AVDV, sector ETFs like RSPH (equal-weight health care), and broad international ETFs like VXUS. I think all of these will easily outperform the S&P 500 over the next decade.
AVUV: upside of a 30-year treasury, downside of a cryptoscam, collapses like a Jenga tower on any news whatsoever AVDV: what a fucking beast, up +0.35% on a blood red day, up 23.18% YTD while paying a 3.87% dividend
Hi everyone, I am curious today as to why AVDV is performing well when pretty much all other equities are performing poorly. I'm pretty diversified across global equities as well as value, growth, quality, etc. Regarding ex-US, developed & emerging markets are both down, as is EM value, but developed SCV seems to be the only equity class that's up today. I'm curious as to why this is and would appreciate any insights about it. Thanks!
Yeah, SCHF is basically baked into VXUS already, and AVDV overlaps too. You're double dipping on developed ex-US. Here’s a breakdown of your allocation: https://www.insightfol.io/en/portfolios/report/898b264f13/