AVUV

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.

ServerTechie

The answer is not to pull your investments, it’s to keep it balanced and diversify. If you have too much tech, then consider a positions of VTV and AVUV to offset. Got a huge of SMH or FSELX? Consider SOXQ instead for less Nvidia concentration. Consider a dry powder position with JPST, and have it ready to buy more equity shares if the market drops.

Marshall_Hoodie

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.

BigWater7673

This is why just keeping a diverse portfolio if you're a long term investor is the best advice. 50% VTI 15% VXUS 10% AVUV 15% BND 10% Cash for dry powder

CanYouPleaseChill

The alternative isn't cash, but reasonably valued equities. I think all of the following ETfs will outperform the S&P 500 over the next decade: \- AVUV (small-cap value) \- VXUS (international) \- RSP (equal-weight S&P 500)

Prudent-Corgi3793

AVUV finally edged positive over a 12-month period (+1.29%).

chindef

The reason basic funds like VOO and VTI do well over a duration of time is that they are well diversified and slant toward larger companies. Some things will beat them for a year or two here and there, but now way of knowing what.  Once you get into anything more specific - like mid caps or industrials or tech or whatever - you are no longer buying something diversified. You are now trying to time certain parts of the market.  It’s anybody’s guess. AVUV has not had a good couple years, but very well could next year. Who knows.  Golf has had a big run lately, but will it continue? Who knows.  Keeping with VTI is a middle of the road approach that over a span of time, is unlikely to be beat. And things that do beat it will be unpredictable and random.  Only way I’d invest in something more specific is if I worked in a certain industry and therefore had good knowledge of how things were looking. 

anusbarber

Nice. i'm essentially 55/15/15/10 VTI/AVUV/AVDE/AVEM

Prudent-Corgi3793

Best: 1. GOOG 2. GDE/Gold futures 3. AVDV 4. AVEM 5. DFIV 6. NVDA Worst: 1. UNH: immediately exited at a loss due to fraud allegations 2. AVUV: held for a year for a pathetic +4% return

BorderQuiet8673

Nice allocation, I've been eyeing AVUV for a while now but keep chickening out and just throwing more into VTI instead lol. How's that value tilt been treating you lately with all the growth madness

JohnnyUtahThumbsUp

Bitcoin, Gold, AVUV.

AgentGorilla

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.

Emotional-Power-7242

401k is just VOO, VEA, VWO. IRA is FXAIX/FZILX/AVUV/RPV/AVDV/DFIV

disparue

Small cap value like AVUV.

MONGSTRADAMUS

45/30/15/10 VTI/VXUS/AVUV/AVDV presently

Barbaricshrooms

Thanks for the reply! I don’t mind putting some thought into my investments, like rebalancing once in a while. I’m okay with a little extra effort to hopefully get more growth since I won’t be able to invest much until I finish my internship and education and have a more stable career, but I don’t want to be constantly watching the news or making frequent changes. I was thinking of using VTI + VXUS as my simple core and then keeping small tilts like SMH/SPMO/AVUV to lean a bit more into growth while still mostly “set it and forget it.” Does that seem reasonable long term?

Barbaricshrooms

Thanks for the reply! I don’t mind putting some thought into my investments, like rebalancing once in a while. I’m okay with a little extra effort to hopefully get more growth since I won’t be able to invest much until I finish my internship and education and have a more stable career, but I don’t want to be constantly watching the news or making frequent changes. I was thinking of using VTI + VXUS as my simple core and then keeping small tilts like SMH/SPMO/AVUV to lean a bit more into growth while still mostly “set it and forget it.” Does that seem reasonable long term?

Mossad_psyop

Thoughts on the small cap value space for 26? I’m in AVUV and AVDV. Thinking about adding more.

Mossad_psyop

I’m about to start heavily buying small cap value ETFS. AVUV and AVDV.

PartyConscious2927

Hey quick Roth question yall. 2 years in I’m currently: 65% SPYM 25%SCHG 10% URNM (idk why I just saw green and said yeah) Planning to ditch URNM and diversify with some intl. Currently thinking: 55% SPYM 20% SCHG 15% FIVA 10% AVUV Does that sound like a reasonable readjustment or should I move some of those percentages. Since I’m younger (27) would it be better to go more “aggressive” and chase growth?

teckel

* 70% VOO - US large-cap * 10% AVUV - US small-cap value * 20% AVNM - Ex-US

TheDeliriousNicholas

Anyone holds small cap ETFs such as AVUV around here? I’m thinking of selling it off and using the funds to buy some individual stocks that are down heavily over the last 2 weeks. It’s been disappointing since I started DCA into AVUV over a year ago, though I understand that 1.5 years is still a very short period to expect meaningful returns from an ETF.

__redruM

While it’s worth a small allocation, AVUV isn’t outperforming VOO like it really should. Ever since Tech became synonymous with Large Cap, Small Cap has lost some of its steam.

breeez333

Yes. Hit some AVUV

Emotional-Power-7242

VT, AVUV, AVDV Total market with a bit if a small cap value tilt.

Juice0188

AVUV is one of the right answers for what OP is looking for. Diversifies away from the large tech and AI bubble, and pivots to where vanguard expects best returns over the next decade (vanguard has been wrong before...like over the last decade)

Deadboy_

AVUV is getting it's ass kicked right now lol. But markets are cyclical so I keep buying it. Crazily enough it's my emerging market fund that is doing the best in my tilt portfolio.

FIThrowaway2738

VSIAX. AVUV. etc.

Prudent-Corgi3793

Technically AVUV has beaten VOO over the last 5 years, but this has been completely dog shit recently

Prudent-Corgi3793

Remember when US small cap value pumped for no reason at all last year? AVUV is now down 6% (ex-dividends) for the year. Glad I dumped this shit after the first rate cut.

Good_Ride_2508

Review VGT or AVUV

TestingLifeThrow1z

Replace VOO and AVUV with VTI only. Replace SCHD with anything growth orientated really unless you’re over 35 or something. It’s nice overall.

Standard-Care1491

That 1.34% management fee is eating way more of your returns than you probably realize - on $3,460/month that's like $560 annually just in fees. Since you're already killing it with the savings rate and have time on your side at 25, maybe look into some passive yield strategies instead? I've been using EarnPark for my crypto allocation and getting around 12-15% APY without the active management headaches. Your ROTH looks solid though, maybe just bump up the AVUV allocation since small cap value has been crushing it lately.

Complex-Jello-2031

Hey man, solid setup for 25 – you're crushing it with that income and low cost of living situation. Let me break down what I'm seeing: **The Good Stuff:** Your savings rate is insane (like 60%+ after expenses), you're maxing tax-advantaged accounts, and the international arbitrage play is smart as hell. That 401k match is basically free money, so props for capturing the full 12%. **The ROTH – Here's Where I'd Tweak:** Your allocation isn't *bad*, but it's kinda all over the place without a clear strategy: * **VOO at 50%** – Fine, but it's just S&P 500. Pretty vanilla. * **DFIV at 20%** – International value is cool, but Japan/UK/Canada specifically? That's a weird tilt. * **EMQQ at 20%** – Emerging market *consumer internet*? Bro, that's basically a tech bet on China/India e-commerce. High risk, high reward, but also kinda meme-adjacent territory. * **AVUV at 10%** – Small cap value is solid for diversification. **My Take:** You're young with a long runway, so growth makes sense, but you need a *plan*. What's your thesis here? Are you going for: 1. **Income** (dividends/cash flow)? 2. **M&A plays** (companies likely to get acquired)? 3. **Growth** (high-quality compounders)? 4. **Sector diversification** (tech, healthcare, industrials, etc.)? Right now it feels like you're just throwing darts at different regions. I'd consolidate around a clearer strategy. Maybe: * Keep VOO or swap for VTI (total market) * Add some **dividend growth** (SCHD, DGRO) for income * Consider **sector-specific plays** instead of random geographic tilts * Drop EMQQ unless you have a strong conviction on EM consumer tech

shellbackpacific

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)

Math_Mastery_Amitesh

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! 😊

tmrch

Target %: VOO: 40 % VXUS: 20 % Stocks: 15% SCHD: 10 % AVUV: 10 % VNQ: 5 % Any feedback?

shoejunk

If you’re afraid of an AI bubble just by non-AI stocks. Try a value ETF like AVUV. Or international. Or international value. Value ETFs are deliberately invested in stocks that are not overpriced according to some factors (in the case of avuv or other factor investment firms like dfa) or according to some managers in the case of an actively managed fund like UBVLX. Any value fund or ETF will diversify you out of the AI bubble.

landon1430

I am a young, risk-on investor looking to maximize long-term growth while maintaining balanced exposure. I am pretty confident on my allocations but have two questions. 55% VTI 10% AVUV 10% FTEC 10% VEA 10% VWO 5% IBIT 1. Should I swap VTI for VOO to flush out the small-cap growth? Or does VTI provide better diversified exposure for the long haul (i.e. mid-caps)? 2. Increase AVUV to 15% by decreasing 55% -> 50%? Seems like small-cap value is best bet for my long-term goals, but the recent extended underperformance is daunting. Regardless, what's the best balance? The answer could depend on whether VTI or VOO is selected. Any thoughts much appreciated. Thanks in advance.

LelainaP

Looking for a review/advice for my soon-to-be portfolio. Just starting to self-direct invest on Wealthsimple. 45 years old, Canadian, want to retire in 10-15 years (loosely - will still freelance PT,  just want out of the corporate machine). I have $100k to invest now,  and will have double that in the relatively near future due to an inheritance. I also intend to invest $2k a month of my income for as long as this ride lasts. Cost of living is $4k/month, and I have a six month emergency fund sitting in my savings account at my bank. No debt, no plans to buy a home, no kids. I have moderate to high risk tolerance, just also trying to be a little cautious because my window to invest is good, but not that of a 20 year old. The breakdown: - 60% VOO (S&P US) - 20% XEQT (Diversification of markets) - 10% SCHD (defense likely to grow) - 5% AVUV (small cap) - 5% GLTR (precious metals because the world is on fire) I intend to invest fully in my RRSP until I max it out. After that, I'll transfer my almost maxed out TFSA from the bank and swap from VOO to VFV and possibly XEQT to XGRO. Then I'm in non sheltered accounts. Would also like to put my 6 mo emergency fund into a HYSA but I don't see that as an option on Wealthsimple - maybe it's a non sheltered etf like CASH? Thank you!

strog91

Yes, but I would suggest a modified basket of funds: - QQQ - SPY - AVUV - AVIV - AVDV

CanYouPleaseChill

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.

Wealist

VXUS covers intl stocks perfectly and AVUV or VXF fills the mid/small-cap gap Nasdaq misses. Solid long-term setup.

CapeMOGuy

If it were me I would add VXUS (total international) and either AVUV (US Small Cap value) or VXF (Vanguard extended market index-every US stock not in S&P 500) .

CapeMOGuy

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)

rye419

checking in 5 months later, XMMO has NOT beaten the SP500 at all. SPMO has pretty consistently beaten it over both the 1yr and 5yr. AVUV has gotten absolutely crushed by the SP500.

emussmell

This is actually a really well-thought-out portfolio 👏 You’ve done a great job blending growth, quality, and international diversification while keeping simplicity and balance. The barbell approach between QQQM and SCHD is smart — it captures momentum without leaning too heavy on tech. RSP also does an underrated job of mitigating top-heavy risk from the S&P 500, so nice call there. If I were to tweak anything, it’d just be small refinements: 1. Consider a small-cap or emerging markets slice (like AVUV or VWO, maybe 5–10%) to capture long-term factor diversification and global growth outside developed markets. 2. Think about tax efficiency and rebalancing frequency. SCHD throws off solid dividends, so if this is in a taxable account, just make sure that aligns with your tax strategy. 3. IDEV is fine, but VXUS or IXUS could give you slightly broader exposure if you ever want emerging markets automatically included. Overall though — simple, diversified, logical, and low-cost. This is the kind of setup most investors would benefit from sticking with for decades. Nicely done

QuietRat56

I hold broad market indexes for the most part, though I have some actively managed value funds like AVUV and AVDV

teddyevelynmosby

I have been doing this since the liberation day. The market is rigged. No point waiting in the dip. Take the quick bucks and get out. Ever since I am ahead of the market along the way learning option trading. On the other hand, AVUV sitting in my Roth IRA still the same exact amount as a year ago. That is diversified give you on liberation era…

HatchChips

Small cap value? E.g. AVUV or AVNV. Better yet, have an allocation in mind and rebalance to it annually no matter what.

ConcentrateOk523

Try buying garbage like AVUV which has done nothing since it became popular. AVUV even underperforms the Russell Value index this year. If you want a stock that goes up everyday even when market is down, buy NVDA.

Ok_Conflict6743

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

MysteriousCoat1692

I put 30k in AVUV literally less than one minute before the announcement. How annoying. 🙄

Prudent-Corgi3793

AVUV now negative for the year (barely positive if you include dividends). Glad I unloaded those bags after the rate cut.

HatchChips

I would give diversity a try. Buy a nice cheap index like SPLG or VOO. And put some money aside for playing. Never ever sell the SPLG. If you want to go further split it evenly with some AVUV and rebalance them back to 50/50 each year. But you probably won’t listen. Going all in on all stocks is risky. The reward is there but so is the risk. Buy an index just for safety.

Plightz

I have both. That said. AVUV has been doing absolutely awful this year. 4% ytd. I am really not sure why scv is losing so hard in the US this year.

ucbcawt

I have a small amount in AVUV-is it worth switching to AVDV?

Evening_Squirrel_754

I'm riding the AI / Crypto wave + general tech, but I do have healthy allocations to both VTV and AVUV in case of rotation to value... and, there's the perk that on some days when the Dow is up, these funds are also.

MitchCurry

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.

Ancient-Stock-3261

VOO crushed it ‘cause large-cap US growth has been the whole game this cycle, but that doesn’t mean it’ll always be the winner. Small-cap and intl exposure (like AVUV/FTIHX) are more about diversification and catching value when the cycle shifts. Long-term, it’s less about chasing the hottest chart and more about balancing risk/reward across markets.

Same_Bag711

Small cap, which AVUV tracks, has been around for a long, long time. Look up the Russel 2000, you’ll get a better answer.

Able_Doubt3827

Yeah, I only went back to when AVUV was created...so the six year time frame I picked happened to be one of the times where small caps underperformed? I really don't have any experience in long term stocks.

UpDown

AVUV