AVUV

X0036AU2XH

These were green in pre-market - AVUV alone was up 1.25%, disappeared into the red on the open though

X0036AU2XH

Are people selling out of individual stocks and going into ETFs? Market is down premarket but my VT and AVUV is on the way up.

Electronic_Bee3134

Fair enough, or go with my portfolio of SPTM+VXUS (+AVUV+AVDV) 😁

Moldovah

Honestly? 50% AVUV/50% AVDV.

X0036AU2XH

Man, decided to rebalance and diversify my Roth IRA a few months and got into AVUV. I keep buying as we go down and I’m still down 5.5% overall.

kevron007

I bought some VDE before the invasion and it’s doing fairly well. I sold some SMH right before the dip. I may get more now that it’s down. In the long run, I think energy and tech is a good play. I also have a large amount on Google, Walmart, Costco, AVUV and AVDV. I’m holding S&P 500 and QQQM longe term and contributing to those consistantly

jadhavvv

Ha, fair catch and I deserved that. VTI yes, VOO was a mistake on my part. But I notice you sidestepped the actual question. The post was never really about VTI or VOO. It was about factor tilted products like AVUV, DFIV, SPHQ and SPMO, which are built on the same academic lineage but go further by explicitly targeting size, value, profitability and momentum premiums. Those are genuinely under discussed compared to their plain market cap counterparts. So yes, got me on the VOO slip, but you did not get the point of the post.

OriginalTouch6371

I would encourage you to mess around on sites like etf.com, etfdb.com, and the overlap tool from etfrc.com to get more familiar with the holdings of different ETFs like these and what their competitors/sibling ETFs are. r/ETF and this subreddit are my favorite market-related ones. AVLC is pretty similar to VOO (76% overlap) but has more holdings, so it is a bit less concentrated. AVUV is a great ETF specifically because it leaves out crappy small cap companies, of which there are a lot. Combining AVLC and AVUV does not result in holding the entire US market, but I’d argue it gives you most of what’s worth holding. VTI and its competitors are the “entire US market” ETFs. Similarly, AVDE plus AVDV would give you the biggest companies and best value small caps in developed markets. AVDE is the only international ETF I own because I don’t trust emerging markets and it has relatively less of the Shells and Nestles than similar ETFs. I’m not personally a fan of AVDV because its recent run has been largely led by mining companies.

tired_ani

Filled out my position in Nintendo. Now to wait for 5 years. I am really happy with my current portfolio, but it’s screaming for some defensive-y type stocks. (Medical, infrastructure) etc. Unless MSFT and AMZN become digital utilities in the future. In which case I am overweight. I would love to buy ISRG but it’s very expensive. Also would like to opportunistically buy Small Cap AVUV. (I’ve learnt that I am risk averse here and any bring myself to fill individual positions)

456M

Small cap value. AVUV & AVDV.

ETFNavigatorPro

Based on your allocations, the overlap is minimal with the one causing most of the overlap is VGT with VOO. Maybe something more simple like this would make sense: VOO: 50% VXUS: 25% AVUV: 15% GLTR: 10% **Weighted Average Overlap** **4.2%** # Overlap Heatmap ||VOO|VXUS|VGT|AVUV|GLTR|IBIT| |:-|:-|:-|:-|:-|:-|:-| |VOO||0.3%|34.5%|0.0%|0.0%|0.0%| |VXUS|0.3%||0.1%|0.1%|0.0%|0.0%| |VGT|34.5%|0.1%||1.2%|0.0%|0.0%| |AVUV|0.0%|0.1%|1.2%||0.0%|0.0%| |GLTR|0.0%|0.0%|0.0%|0.0%||0.0%| |IBIT|0.0%|0.0%|0.0%|0.0%|0.0%||

moiax

IJR is flat small cap, AVUV is small value. 39/34/27 vs 58/29/11. Most research on factor investing generally points towards small value being the premium. Things like Vanguard's VBR would be closer, but it adds mid cap value and blend. Both Avantis funds, including the expense premium, have out-gained the suggested alternates looking at the 6 or 7 years since their inception. I generally agree with keeping funds as low cost as possible, but as I've explored factor investing, specifically small value, I've found the premiums in that arena worth it, imo. I'm certainly not an expert though.

Ocampo-Mark

Your 52.5% VOO base is a solid foundation for that 10 to 15 year house fund goal. Since you have a mix of tech and crypto with VGT and IBIT, you might want to keep an eye on how those sectors react to new stock filings. I have been using an AI research platform called trylattice to cross-reference my own portfolio for personalized [insights ](https://www.trylattice.io/app/prism/chat/cmm9z984l00le083ugzv3sufx)on things like GLTR and AVUV. It is pretty awesome for generating interactive charts to see if your current allocations actually meet your growth needs.

Top-Albatross-5295

AVUV/AVDV is expensive compared to the passive small cap funds. IJR for US small cap has an expense ratio of only 0.06% vs 0.25% and SCHC for international is only 0.08% vs 0.36%. You're also pretty correlated, might want to, definitely don't need to, add an uncorrelated asset like a corporate bond ETF or REIT. Other than that you're pretty safe.

Top-Albatross-5295

VOO and VGT have pretty much the same top holdings. The biggest criticism of VOO is it's over concentrated into info tech already. I would divest your VGT holdings and split the proceeds between your other holdings. I like having small cap exposure but AVUV is pretty expensive. I would look at IJR as an alternative, 0.25% VS 0.06% expense ratio. I'm not a huge bitcoin believer but the weight is low so who knows. Over all 7.8/10

drew-gen-x

You have a lot of tech stocks where you are double dipping b/w individual stock holdings, and their inclusion also in your $QQQ and $SPY/$VOO holdings. I do like that you are adding to $AVDU and $AVUV. You have chosen those 2 where I am investing in $EWY and $EWJ. I would increase your $AVDU & $AVUV percentage or just buy a non USA world EFT like $ACWI and sell the individual stocks or your $QQQ holdings. Your individual tech stocks and $QQQ holdings likely will go up or down at the same time. I am also moving towards ETFs over individual stocks due to time & life. But the industries & indices matter more than just stocks vs ETFs. I would add non USA indices ETFs. Or at least all world ETF like $VT over holding both the $QQQ and $SPY/$VOO). Pick either the $QQQ or $SPY/$VOO, one or the other and buy $ACWI or $VT for the other indices holding. My worthless unasked for 2 cents.

RiskAdjustedView

That’s honestly a very reasonable starting point. 80% VOO gives you broad US exposure, 10% VXUS adds international diversification, and 10% small cap like AVUV tilts toward higher expected return (with higher volatility). It’s simple and coherent. Switching small cap to QQQM would change the intent of the portfolio. QQQM is more large-cap growth/tech-heavy — you’d be increasing concentration in names that are already a big part of VOO. Small cap adds a different factor exposure. The bigger question isn’t which mix is “perfect,” but whether you can stick with it during underperformance. Small caps and international can lag for long stretches. If you’re comfortable staying consistent through cycles, your allocation is already solid. Consistency over 40 years will matter more than fine-tuning 5–10% shifts.

MrMathamagician

AVUV

Moldovah

Yeah, it was the AVDV > AVUV that I was referring to

Boou91

Yeah that was my point. While AVDV is doing best (it is both small cap value and international), AVUV and VXUS are both doing great as well.

Moldovah

Tbf, AVUV is still doing pretty great.

Boou91

Yep. Small caps are doing great. My international is doing great. S&P is flat. YTD, AVDV > AVUV = VXUS > VOO

MitchCurry

Considering selling my SNOW position and putting the funds in AVDV, AVUV, QQQ, and VOO. Data warehousing is commoditized and competition from Databricks and the big 3 (Microsoft, Amazon, Google) and others will only increase. Will Cortex AI win out? Will Snowflake become the App Store for data as they are intending?

tired_ani

Nice! I am due to add to AVUV too. I also want to allocate some money to AVDV but not able to get over the mental barrier of that run up last year.

MitchCurry

I opened a position in UBER and added to AVDV, AVUV, QQQ, and VOO.

ekdms

Hi all, As said title, I’m seeking advice as a 24 year old young professional looking to understand where I should continue building out in my current portfolio and if I should invest in any new ETFs Current portfolio spread: 50% VOO 15% QQQM 15% SCHF 10% SCHM 10% URNM I have been considering adding small cap ETFs such as AVUV or SCHA or adding SCHD, but don’t want to make my portfolio overly complex. Any input would be great thanks!

Lumpy_Attempt_6280

Thanks for the breakdown! Maximizing the Roth for AVUV/SCHG while keeping the 'boring' broad market stuff in taxable makes total sense for the long run. Going 0% bonds in the HSA to let it compound is a great call too. I’m definitely going to adjust to that setup.

Lumpy_Attempt_6280

Clean setup for 36! One tip: maximize your Roth for high-growth (AVUV/SCHG) since it’s tax-free, and keep the 'boring' SCHB/VXUS in your brokerage. Also, go 0% bonds in the HSA to let that growth compound. Overall, looks great!

rpv123

Still learning - is AVUV being down related to tarrifs?

the_humeister

Why not just buy AVUV? Seems like a waste of $49.

Str8truth

\^ This. Fidelity can aggregate the value of all the AVUVX shares in its customers' IRAs, so that any IRA customer's minimum initial purchase becomes $500. Still, you'd be better off buying AVUV to avoid the $49.95 fee.

m0n3ym4n

You do know it’s also available as an ETF, AVUV?

ServerTechie

Nothing wrong with Avantis as a whole. AVDV is one hell of a performer, and AVUV is the perfect companion to VOO with no overlap.

meathead13_

You’re seeing more people talking about it because SCV (especially international SCV like AVDV) has had a really good start to the year while the S&P 500 has mostly been flat. It’s a lot more interesting now than last year when AVUV “only” went up 8%. People have been tilting for a long time, just not talking about it as much. There’s a lot of debate on whether the SCV premium exists, the info for either side is out there.

BrianMX34

Thank you. I agree. I've decided to go with AVDV to add a little more international and small to my overall portfolio. I've been researching a lot since yesterday and the concesus with SCV is that it is a LONG play. I'm okay with that since I plan to hold it for 25+ years. The one thing that has shaken me resolve a bit is that some believe it's possible that the time frame to see that premium could be so long I never get to benefit. I'm still going to go with AVDV but I'm rethinking my allocation. VOO(65)+VXUS(25)+AVUV(5)+AVDV(5) - By keeping all small cap at 10% it won't draw down my portfolio during those long periods of underperformance. That can make it easier to stay the course when it's REALLY down. Of course, I won't benefit as much either. VOO(60)+VXUS(20)+AVUV(10)+AVDV(10) - Having small cap at 20% between the two would allow much better benefits when it eventually outperforms in 20 years. But the down times will be a drag and a test of resolve. Granted, with both of these my VOO+VXUS will keep the entire portfolio afloat. So things should be fine either way. I'm confident I can stay the course as I'll just set up automatic investments and leave it alone. But it's easy to say that until it actually happens haha

ServerTechie

Well first of all, if your company matches a percentage of 401K contributions, always contribute that matching percentage at minimum since it’s free money. If you make combined less than $236K combined, you can contribute $7500 each to a personal Roth accounts, so be sure to max that out. $236 - $246k limit is $7000 each Roth, after that it’s not allowed. If you exceed $246K, then better to max the company 401K Roth if applicable. Then again, if you’re making that kind of money then chances are you’re better off with traditional IRA given your higher tax bracket. The advantage of a personal Roth thru a retail investment firm like Fidelity is typically more control than 401K plans. As far as diversifying I recommend a portfolio like this: 45% IVV/VOO (S&P500), 15% AVUV (active managed small cap value), 30% FENI/FNDF/VEA (international developed market), 10% FNDE (emerging market). As you age, you should steadily add & increase BND allocation, to create a glide path that protects the portfolio from drawdowns.

CursedClownz

I do 40%VT and rest of the 60% 10% FTEC 10% SMH 10% AVUV 10% GLD 10% BND

Wrong-Stage-2287

My port is: \~30% VOO \~25% AVUV \~20% VGT \~20% AVDV \~5% AVEE

DigitalDensity

Could you explain the investment strategy and goal? Especially if this is a multi-decade investment horizon, SCHD and SCHH in particular are strange choice. Dividends should not generally be a focal point of a long term buy and hold strategy. Further, you hold VT, SPYM, and IXUS. In this structure, it looks like you’ve just constructed VT with extra steps and a greater expense ratio than necessary. Now there is actual merit to AVUV. However, to explain this we need to examine something called the five factors. This is something I am not qualified to explain myself and I will link a good video to it below. HOWEVER, in your case and in the nicest way possible, I don’t think YOU even know why you are considering AVUV. https://youtu.be/jKWbW7Wgm0w?si=bEOUZaF8xeW0RF6k The crypto funds… Again, I have to ask why you want these. What are these achieving that you don’t get from stocks? Are these just an attempt at diversification or held for another reason? Also people are talking about bonds bad in reference to your SGOV allocation. They make little sense here considering the high risk profile of the rest of the portfolio. Typically, investments in cash or bonds are used to lower a portfolio’s risk profile. You’re trading returns for safety. Even at a 5% yield, this is not a great decision. This video gets into it here. https://youtu.be/KdzOlRRHOU8?si=XXViK6zbiFVz9pXb Lastly, could you please explain your investment goal and/or how you even got to this set of funds? I would like to know the story here.

SeaGooseRun

Quit messin with SPY join me Prince Ah-Voo-Voo and grab AVUV , been ticking me gently all year

456M

AVUV up 13% YTD. SCV has been doing great so far.

moiax

Built my portfolio with a small cap value tilt, and it payed of very well last year. AVDV was the star of 2025. AVUV doing well this year.

rayb320

Growth QQQM/ SMH/ VGT/SCHG Broad market VOO International VXUS/ AVDE Small caps AVUV Profitable Smallcaps SCHD when you are ready for dividends These are the best funds to invest in long term.

deadlyvagina

Agreed I’ve added to small caps, value, and international. AVUV is my top play for 2026.

patricktu1258

If you look at the price action of MDY and AVUV, you’d be surprised people are still bearish. Ber r fuk

Ok_Platypus_1845

There is also an argument to be made for factor investing with Avantis or DFA funds, especially given current US valuations. AVUV for example has been absolutely crushing it this year while the S&P is flat. 

MitchCurry

Closed my CELH position. Started buying in Aug 2024 at $38.25, added more at $32.13 in Sep 2024 and again in Feb 2025 at $21.68. I was planning to hold no longer than a couple years as it was a catch-the-knife play. Felt like a good time to raise cash so I got out at $48.38. Returned 38% vs SPY 26% and QQQ 32%. Used the some of the cash to open positions in VEEV and EZPW and added 4% more shares to each of my QQQ, VOO, AVDV, and AVUV positions.

Same_Bag711

Well at least my COST shares have recovered 🤣 that and AVUV have saved me from total destruction

polishinator

AVUV up ;)

456M

Both US & Int'l SCV have had a great start this year. AVUV up 10% and AVDV 9% so far. Been buying AVGS ETF (~70/30 AVUV/AVDV) since inception and will keep DCAing till it's 20% of my port.

polishinator

mah AVUV doin good

MONGSTRADAMUS

tbh I chose avuv/avdv because they came out first and have cheaper expense ratio. Either dfsv and disv are probably good enough for most people. AVUV and AVDV have out performed dfsv and disv so far who knows what will happen 10-20 years from now.

MONGSTRADAMUS

before avdv and disv came out there wasn't an option I think DGS/DLS maybe were the only options and I wasn't really enamored with either of those choices. Held VSS till AVUV came out. I held viov for a while , but I don't think it was valuey enough for my tastes. It turned out my assumption was correct as AVUV has beaten it by over 5% per year since inception almost six years ago.

MONGSTRADAMUS

I think It was ben felix the first person that got me interested in scv, I tried VBR first then viov and then settled on AVUV. There wasn't really an exus small cap value option when I first started I think there was VSS , which was just small cap .

lordturdhead

Same trying to keep it as simple as possible too. DFAX seems to compliment AVDV. Small Cap Value US (DFSV, AVUV, VIOV, etc) seems like a tougher commitment. May be alone in that opinion though. Like that DFAX has TSM & Samsung.

wandererarkhamknight

SCHG, QQQM both have 50% or so overlap with VOO. If you want to diversify, look at international funds or something like AVUV.

Jakob0324

ETF's are probably my smartest route, I was looking at QQQM, VOO, AVUV, anything else you recommend? or replace/not pick?

MaximumCarnage88

AVUV is up! Large caps down. Small cap value premium is about to blast off like it's 1999.

Moldovah

To answer your questions more directly, I had taken 2025 off from work, so I wanted to take advantage of realizing some gains. I've also always kept a huge (\~15%) "dry powder" reserve, and I was tired of losing it to inflation, so I wanted to deploy it this year. So between realizing gains and deploying dry powder, I had a huge pile of cash. I've always been a basic 80/20 VTI/VXUS investor. But since I had so much free time I had done a lot of research into investing that year and discovered factor investing. I thought it looked interesting and figured I'd give it a shot. I'd also seen gold and international crush it in 2025, and I do feel that the current administration is absolutely fucking us and we are set for a reversal of US outperformance for the foreseeable future. I also have major currency concerns. So I realized most of the gains from my S&P funds and reallocated into International, SCV, momentum, and gold. (Equal parts SCHF, SCHE, IDMO, SPMO, AVUV, AVDV, GLD). My domestic momentum has been a bad pick so far, but I'm feeling pretty smug about the rest. I don't usually make good decisions. So to your questions: 1. Yes, I aligned with my goals of switching to a more factor based portfolio. 2. I did adjust my strategy based on my research into factors, as well as my belief that it's the end of the US's outperformance, and more importantly I think there is going to be a real dollar crisis. Or I could just be performance chasing, who knows. 3. Goals were fairly realistic, nothing crazy. As far as my current focus, I'm trying to invest in myself more this year. Been to the gym every day so far this year!

ciferite

FSSNX is the fidelity small cap index fund, and FSMDX is the fidelity mid cap index fund. These are low-cost options with decent performance. If you're looking for more growth, get AVUV for the small cap. I couldn't find any mid cap etfs thats drastically better than the fidelity mid cap fund.

ciferite

There's still a lot of overlap here. FXAIX, FSKAX and FNCMX all have the same top mega cap companies taking the majority of the weight. 90% of FXAIX is in FSKAX as well. You're basically investing in the top mega caps 3 times. A better way to diversify would be to do: 50% FXAIX 10% Mid cap etf 10% small cap etf 30% FZILX For the mid and small cap, you can find one that seems good to you. AVUV is a good small cap etf that a lot of people recommend. But you have fidelity mid and small cap funds for very low exp ratio. This way, you have no overlaps and have exposure to mostly everything. This is a simple "set and forget" portfolio for roth ira. Hope this helps.

CapeMOGuy

I think you're doing great! A few points you may want to consider: 1. If it were me I would use the true world market capitalization. It currently about 62% US, 38% International. 2. It could make sense to invest 10-20% in small cap value, an even more volatile sector with greater long term returns. 2 such funds out of many are AVUV and AVDV 3. Be sure to optimize your usage of tax advantaged accounts like (but not limited to) a 401k and IRAs.

Moldovah

Some other guy told you that AVUV wasn't performing well this year. I'm not sure what he is referring to. AVUV has been killing it so far in 2026, the only thing that's beating it in my portfolio is AVDV.

Emotional-Power-7242

Oh sure, it's a good question I'm just saying don't buy AVUV tomorrow. Look up Fama-French, efficient market theory, factor investing. There's a pretty good recent-ish book called The Incredible Shrinking Alpha. AVUV is technically actively managed because they track a proprietary index. But it does track an index very similarly to the way a passive fund would. It's just that it's their index based on their rules. It has reletively low fees and turnover. Small cap blend hasn't returned as much historically as small cap value. Small cap growth is actually pretty bad. Small cap blend has returned more than the overall market but it's with small cap value returning quite a lot more and small cap growth returning less.

ServerTechie

Well AVUV is having a rough year, but the 5yr performance is double that of SCHA and VB. Small cap is also the kind of fund I want actively managed, which AVUV is. Like I said, it’s the only small cap equity I have.

ServerTechie

Well AVUV is having a rough year, but the 5yr performance is double that of SCHA and VB. Small cap is also the kind of fund I want actively managed, which AVUV is. Like I said, it’s the only small cap equity I have.

BeneficialQuality899

Shouldn’t small cap blend theoretically be more valuable or no? I find it interesting AVUV is actively managed. I may not understand it fully yet but this is why I’m asking

Emotional-Power-7242

There's a strong argument for AVUV but you need to be prepared to hold it for 30 years. Historically small cap value has had higher returns than the overall market over most long periods of time but it does it by underperforming for 10+ year periods and then having a really good year. We're currently in a 20 year period of small cap value recieving lower returns than the S&P 500. Market mechanics dictate that it should eventually reverse the trend and get higher returns, but if you had just held it for 10 years and then sold you would have locked in massive underperformance. You need to think really hard about AVUV and read the literature and really understand why you're doing it, and the fact that you're asking this question shows thet you don't fully understand it currently. There's nothing wrong with getting 10% or so small blend for diversification, because if you buy VOO you are excluding small caps, so you're just adding them back in. VTI is basically VOO + 13% mid caps + 7% small caps.

BeneficialQuality899

The only other holding I have is VOO. I am wondering if I should have picked AVUV instead. Will hold for at least 10 years

ServerTechie

My only small cap equity is with AVUV, so small cap value. I like the methodology Avantis uses for their stock picks in this fund, if not for that I probably would avoid small cap due to volatility. Long term I think AVUV will serve me well, but without a doubt it is the minority of my portfolio.

AICHEngineer

There very much is a world where the fees are justified for the exposures received. Take factor investing. You can go with long-only ETF offerings like Dimensional or Avantis, or you can go long/short X quantile for value, profitability, momentum, reinvestment, etc from AQR with something like QLEIX. Global developed markets long stocks with positive factor exposure short stocks with negative exposure. And yeah, you have to pay 1.1% MER. But their results speak for themselves. They have 2/3rds the volatility of VT, and a 12% CAGR vs 10.2% CAGR net fees, including the dividends they have to pay on short positions and the MER. For a factor sensitive investor, these kind of exposures to factors/predictors is ~4x what you can get with something like AVUV or AVDV. You actually get to experience the low vol effect of market neutral factor investing at one of the biggest most reputable hedge funds in the industry.

RabbitHoleSnorkle

Diversified out 20% SCHF, 20% AVUV. This is just a sane diversification The rest - no change, SP500 does recover even after stress.

WinterBlues00

5 years graphic of AVUV is not that pleasant, I guess?

Bubbly-Hope6968

I think you’d likely do better with VTI and AVUV if you want US market exposure. The largest U.S. companies will have true most international exposure and while you do want access to those, I’m not sure you only want access to those. I like NLR for what it is as a tactical part of a portfolio, but keep it a low percentage of your overall portfolio (under 5%). If you want to also have a tech tactical sleeve for QQQ, you should keep it under 10% of your portfolio and rebalance annually. Keep in mind these companies doing business in USD so you expose yourself to currency risk at a time when USD has been falling.

MitchCurry

AVUV hitting an ATH just now.

Bubbly-Hope6968

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.

KD_Hub

If we get a pullback, I’d split that $15k into three deep-value buckets: **Small-Cap Value (AVUV)** for the catch-up trade, **Physical Infrastructure (PAVE)** because we're in a massive domestic rebuilding cycle, and **Nuclear Energy (SMR/OKLO)** which is the backbone of the AI data center boom. I’ve found that the "best" entry point isn't a single day, but a zone; if you scale in during a 5% dip, you're technicaly buying at a better price than 90% of the people who FOMO'd at the top. The goal isn't to buy the absolute bottom, but to own high-quality assets at a fair price while valuations are still stretched.

joe4942

Crazy rotation today. XLK -1.8%, AVUV +1%.

Kyrneh-1234

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.

Swred1100

I have a degen account, and a VOO, AVUV, VXUS, QQQM account at ~50, 10, 15, 25 weights account. Exposed to US large and small with the ability to re-weigh easily, as well as to international stocks. I know QQQM is a lot of overlap with VOO, but I’ve got 45 years and want the added tech exposure.

Moldovah

AVUV and hold on for dear life.

SprinklesMany2038

If we can only go off list VTI of course.  VT would be my "sure thing". Heck maybe even small value AVUV

Pendleton1910

So far fidelity is the only one I’ve found that has this. I set up a weekly dollar amount investment, split between VTI AVUV IXUS and DISV. You just specify the dollar amounts it auto buys whatever fractions that comes out to. Been using that for at least a couple years now.

The-WideningGyre

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.

tired_ani

Time to start funding the old Roth IRA again. what a blessing to not pay capital gains. I only buy long terms holds in it. It currently has VT, AVUV, GOOG and AMZN only. The only issue is that I dont have any ideas at the moment, nothing jumps out to me as something id hold for > decade,

CanYouPleaseChill

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

resilient2

Look at NATO and EUAD if you like defense/aerospace. This would diversify your portfolio towards Europe. There's also a new EU ETF called wisdom tree WDEF. Also KDEF holds Korean defense. Importantly you could look at XAR, UAV and JEDI, which hold drone tech companies. I also like Rolls Royce (RYCEY in the US). I also like the solid VTI/AVUV advice (see VT as well). I don't invest in those other sectors you listed.

Rich_Foamy_Flan

What in your research tells you that the timing is right for equal weighting these sectors across the board? Your sectors entail a cyclical nature as well as commodity risk (energy). Regarding financials, I think this will continue to be an interesting sector as many feel we are looking ahead to some serious credit headwinds. Even if the sectors do well, it looks like our considering individual stocks also - I would do far more research if this is your route. Equity research analysts dedicate their entire lives to *sub*-sectors just to have an idea of the leaders and laggards are… and they bat far from 100%. Picking stocks is the furthest thing from set and forget in these sectors. Again, the cyclical and commodity driving nature of some of these sectors make it difficult to pick the single best horse long term. Stock picking means tracking closely and culling winners and losers based on new 10ks and company reports. I’d strongly consider VTI as a replacement for all of this, and just layer in the sector etfs to weight your portfolio towards where you think the growth is. But even this isn’t set and forget as you’d want to time the sectors for their growth phase… which, again, if these sectors are just going to stay static and a consistent, equal weighted part of your portfolio… just buy the whole market with VTI, perhaps tilt to small Cap value with AVUV, and forget about it lol

SoftDiscipline5127

Honestly at 25 with that timeline you're probably fine with the risk but having 10% in small cap value (AVUV) when you might need liquidity for a house seems weird to me. That stuff can get pretty choppy and you don't want to be forced to sell at the bottom when you find the perfect property

jreadersmith

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.

Emotional-Power-7242

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.

teckel

You're thinking correctly, don't go with bonds till you're 5-10 years from retirement and diversify with international (AVDE or AVNM) and small-cap value (AVUV).

GaylrdFocker

VOO + AVUV + VWO = VTI. Just do VTI and either QQQM or SPMO

nevxr

Got it, great info I switched my VOO recurring investment to AVUV instead to help me diversify a bit. My understanding is that VOO is basically just S&P500, in which case if tech growth slows down then VOO will reorganize, right? This leaves me with $75 biweekly investments in SCHG, VOO, AVUV and VXUS. Do you think that's enough diversification? My recurring investments are my primary contribution to my portfolio, but sometimes if I have extra money I'll buy dips in AMZN/GOOG.

thenuttyhazlenut

No other sector will compare to tech for returns in the past 5 years. You shouldn't be looking at past returns to make your choices. You're nearly all tech. In a crash or economic slowdown, your portfolio will fall harder than the index. Look at the top holdings in VOO and VTI. It's all stocks that are similar to your portfolio. AVUV for example has good historic returns (over the very long term), and it doesn't have a lot of tech in it. That's one I'd consider.

Prudent-Corgi3793

I'm up +37.39% this year overall (unleveraged) and +69.98% on my individual stock picks (mostly GOOG and NVDA for the entire year before adding into the other big tech names in November). AVUV dragged down my performance. This was a very easy year to beat the S&P 500, all you had to do was have international exposure or gold.

CanYouPleaseChill

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

shoejunk

Certainly. It goes back to the 60s and 70s. Eugene Fama and Kenneth French formalized the concept of the efficient market hypothesis which says that it doesn’t matter what you or I think about stonks, because all the information from all the active investors across the world has already determined the correct price of everything so the best you can do is buy a market cap weighted index. But then after more analysis of the data it was discovered the small and value stonks have a higher rate of return than large and growth stonks. How to square this fact with the efficient market hypothesis? Well, that’s where the concept of risk adjusted returns come in. If you buy a short-term government bond, you naturally expect a lower return than a junk CoreWeave bond because a CoreWeave bond is more risky than the US government. More risk = higher expected returns. Dimensional Fund Advisors was born out of this academic research. Other factors and more research started to appear. Factors such as profitability and investments started to come up. DFA was falling behind so a new company split off from DFA, Avantis was born. They take into account all the latest academic research on maximum expected returns and their gold standard ETF is the small cap value fund, AVUV. And Macy’s is their top holding right now.

Easy-Technology-8498

Do you not use AVUV anymore?

Acceptable-Jacket567

70% voo 20% QQQM 10% AVUV those target funds are junk.