AVUV

fozzy71

I am mid-50's and try to avoid sector ETFs, so I would probably stick with what you already have, but increase your VXUS. I currently hold about 22 or 23% but am in the process of rebalancing and trying to push it up to 25% for exUS. I am also not a fan of VXF. I hold a core in IVV and a similar weight in AVUV for small caps, and actually decided just today to start DCAing into an XMMO position for mid-cap exposure.

PeanutChickenSoup

AVLV is large value I think. Less correlated would be small value, say AVUV, with AVDV for some foreign exposure. And yes, likely a good idea to combine with your S&P holdings (which is mostly large and growthy).

ablablababla

I have 45% VOO, 10% AVDV, 10% AVUV, and 15% VXUS right now, plus a tiny bit of QQQ

WorthContribution457

If you want a simple 4 ETF portfolio so you don’t have to be constantly worrying about buying or researching companies/stock VOO - (S&P top 500 companies ) VO- (mid cap companies ) AVUV - (Small cap companies ) VXUS ( International companies ) Good balance so you are seeing diversification without having to pick and choose Obviously other ETFS in the same sectors but those are a few.

illustrious_feijoa

If AVUV is for U.S. diversification (you clearly aren't chasing the SCV risk premium given your giant tilt toward large cap growth), you might be better off using VXF.

medphysik

Good work, I am 25% QQQ, 25% SMH, 25% AVUV, 12.5% PDI, 12.5%PDO

YourChildhood5762

I think it's good. Developed markets ex-US hasn't been doing great for me. Everyone jumped in at the beginning of last year and drove the prices higher than growth could keep up with. I'm not losing but gains are close to flat. Emerging markets are doing very well but you coming in late may hit the same situation I did with Developed. Small caps has also been doing decent after two years of barely staying above water. You'll have to keep an eye on that as well as your internationals. I don't think they are as reliable as large-cap US indexes but I'm not dumping mine. I have GRID since February 2025 and it's given me a 63% gain. I'd keep VOO and QQQM the same percentage. Take VXUS down to 15% and apply 7.5% each to AVDV and AVES. AVUV at 10% and 5% to all the rest (If I counted correctly, you have to drop one). I think we're at the end of the tech boom but 5% isn't huge and some of those should hit at least 10% gain a year to balance out any losses. Since I think you'll need to drop one, that would be either HUMN or WQTM. But that's based only on vibes I haven't done any research. Or BTC which I don't trust at all but it's popular. Full port DRAM means put everything on memory. You have SMH so ignore that. He's trolling. Plus you've got more chip exposure with VXUS.

Envyforme

Its not a bad portfolio. If you went to r/Bogleheads they'd tell you it's wrong because you are concentrated more than 0.2% in the nasdaq-100. I'd remove the outlier ETFs in specific industries though. SMH, GRID, XAR, WQTM, HUMN, etc. There is nothing wrong with prioritizing some exposure, but I do not think a 2.5% holding on a specific industry going up 200% is going to change much in your portfolio long term. If you just want a broad, super aggressive fund, I'd prioritize QQQM on a heavily weighted percentage (30%) instead of all those. Updated: * QQQM 32.5% * VOO 25% * VXUS 20% * AVDV 7.5% * AVUV 7.5% * AVES 5% * BTC 2.5%

Jammer250

Over the last 30 years, small-cap value (AVUV/DFSVX) outperformed SPY by 1-2% per year. Nasdaq-100 did the best, but you’d be hard-pressed to find a significant sample of the population that held through the dot-com drawdown to get the returns from that 30-year period. Not many with a 15-year horizon are going to realize that kind of equity growth if they are in the median of shifting to capital preservation rather than growth in those last years before retirement. International (VXUS) has done the worst over the longer timeframe as well. It’s a changing landscape, will be interesting to see if ex-US sees greater returns from here. But the longer horizon is still not favorable yet.

Good_Ride_2508

You can use VGT or AVUV or SPMO instead of nasdaq 100.

fozzy71

>Is 5% SOXQ + 5% VGT too much overlap? [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) >Is 15% AVUV too much for small-cap value? I hold 5% AVUV myself, but I have a lot of other small satellite tilts for growth, momentum, value, etc for the US beyond my 50-55% US core. >Is 20% VXUS enough international? I target 25% exUS. If you look at VT for market-weight, US:exUS is currently about 59:41 - [https://etfdb.com/etf/VT/#charts](https://etfdb.com/etf/VT/#charts)

bwhite9

Academic literature says that Value is better then growth but your really better off going for more of the Fama French factors like profitability and small cap. This gets out of buying companies that are cheap for a reason, and small for a reason. If you really want to do the smart money thing with this then dig in deep on the Fama French model and find companies that conform to that thesis. You can use the stocks in AVUV as a starting point as that is a fund that follows these principles.

ESSolberg

Couple of points come to mind. 1. Expense ratio: VT is 0.06%, AVUV is 0.25%, NTSI is 0.26%. The higher this, is the bigger the drag on your portfolio over time. Vanguard is often the top choice for low cost. 2. Diversification: I’m not familiar with all these ETFs, but worth checking the underlying overlap if diversification is your goal. This might be better achieved with 3-4 ETFs rather than 8. It’s great you are starting early.

Ahamadrayasbaboon

SP500, SPMO, SPHQ, AVUV, AVDV make up a significant portion of my retirement accounts, in part because of my anticipation of this. 

booobReviewer

Your instinct to swap out QQQM is solid, but maybe not for the reasons you think. VOO already has heavy mega-cap tech exposure (NVDA, AAPL, MSFT are ~20% of VOO). Adding QQQM, SPMO, and VGT on top of that gives you massive overlap — basically your whole portfolio is US large-cap growth. Swapping QQQM for AVUV (small-cap value) and VXUS (international) would actually diversify you. AVUV gives you exposure to smaller companies that are historically cheaper and have higher expected returns (the Fama-French value premium). VXUS gives you non-US exposure, which reduces your country-specific risk. For the remaining "growth" allocation, VGT already covers tech. You could drop SPMO as well (it's momentum factor, which overlaps with growth) and just hold VOO + VGT for US, then add AVUV + VXUS for diversification.

archmuon22

Scheduled auto-buy of VOO, VXUS and AVUV every week. Nothing changes. DCA slowly into good old-school index fund investing.

Away_Buy_6686

I don’t like holding broad sweeping index’s for the smaller companies. I believe companies like Avantis do a decent job of sifting through the weeds and trying to find value. The portfolio is basically 80/20 Domestic/ International. VEA is basically VOO for international. AVUV is Domestic Small Cap Value and AVDV is the equivalent for international but for developed economies. AVES adds in the Emerging Markets piece.

debitcreddit

AVUV

WorthContribution457

Add a mid cap ETF like AVUV and a small cap like VO.

Savings_Industry_405

Fair. I agree the contribution rate is the biggest lever. I’m not trying to pretend ticker selection matters more than maxing the Roth. My main goal is just cleaning up the structure before I keep contributing for years. I’m leaning toward dropping the individual stocks and either going simple with VT, or using a controlled ETF stack like VOO / VXUS / AVUV / AVDV so I can keep a U.S. and small-cap value tilt. So the real question for me is simplicity vs control, not whether allocation matters more than savings rate.

Savings_Industry_405

That makes sense. I see it as control vs simplicity. AVGE seems cleaner because it handles the factor/global allocation inside one fund, but building it directly with VOO / VXUS / AVUV / AVDV lets me control the exact weights. I’m probably leaning toward the direct ETF stack for now and dropping the individual stocks so I don’t overcomplicate the Roth.

Savings_Industry_405

Fair point. I looked into AVGE and I see the appeal as a cleaner all-in-one Avantis/global equity core. My only hesitation is that I’d have less control over the exact U.S., international, and small-cap value weights. I’m leaning toward either AVGE + VGT for simplicity, or just building it directly with VOO / VXUS / AVUV / AVDV and dropping the individual stocks.

MachuMichu

I'm a big fan of Avantis funds but I don't think you need AVUV with this set up. If you want a VGT tilt I'd probably combine VOO+AVUV+VXUS into something like AVGE which gives you all Avantis funds. Then you can still leave some % for individual picks.

Savings_Industry_405

That makes sense. I probably don’t have a strong enough macro thesis to justify being 90/10 U.S./international, so I’m leaning toward at least raising international to 20–25%. I also see the point on small-cap value. A cleaner version might be something like VOO / VXUS / AVUV / AVDV instead of adding individual stocks on top of VOO and VGT. I’m not trying to overfit the portfolio based on AI or short-term macro, but I do want the allocation to make sense long term. Appreciate the breakdown.

Savings_Industry_405

Fair criticism. My goal was a simple long-term Roth with a U.S. tilt, but I get the overlap point. I’m reconsidering whether the single stocks are worth holding separately when VOO/VGT already cover most of that exposure. For international, I used VXUS for broad coverage, but I see your point on adding an international small-cap value sleeve like AVDV instead of only using total market. Would you personally run VOO / VEU / AVUV / AVDV only, and if so, what percentages?

Ticksdonthavelymph

Dumb. You already own meta google and Eli Lilly in your S&P 500 and VGT. You have a SCV sleeve for US (AVUV) but none for international (AVDV) and instead hold total market in your international VXUS. VOO, VEU, AVDV and AVUV. Cover everything you want with less mess and without overlap. Your percentages are also shit. What’s actual global distribution? 60/40 US/Ex You are (arguably) 90/10. Which isn’t off from most US traders, but it is still wrong re balancing out of America in next decade (and what actual market distribution should have you at).

booobReviewer

You're not doing anything wrong, but you're overcomplicating it. With 11 ETFs in a Roth IRA, you're creating overlap that makes rebalancing harder without adding much diversification. SPY/VOO/VIG already cover the large-cap space, ARKK/ARKQ/DRAM are all thematic overlap, and buying $1/day of each means tiny positions spread too thin. Simplest fix: VOO (or VTI for total market) as your core, maybe 10% in a small/value tilt like AVUV if you want to factor-tilt, and treat ARKK/DRAM as a < 5% fun-money allocation if you believe in the thesis. You'll have fewer positions to track and the compounding on a single $11/day into VOO will be easier to manage.

kkkssskkksss

There's a couple options depending on what brokerage you use. Just do VT (Weighted world fund) if you want a one stop shop or VTI/VXUS (Total US/Total International) or whatever equivalent ticker at a 75/25% ratio if you want a US home bias tilt. There's also an argument for a 80/20 ratio of something like VOO + AVUV if you want to tilt to small cap value but have a majority of your holdings in the SP500 if you believe in the value premium model. International allocation is optional but recommended just for diversification and to avoid currency risk in a single country. Anywhere from 15-35% is fine. Doing pure SP500 is also fine. Want to avoid trash small cap growth companies and rugpull IPOs? DFUS is an active managed total US fund but with a very low 0.09% ER vs 0.03% VTI which is insignificant. As long as it beats VTI by 0.06% a year which so far it has then it's worth. Nobody knows the future though. Boomer index investing is boring and has low consistent returns, but you also won't fuck yourself trying to beat the market. Consider slowly adding like 10% bonds depending on your age too.

sharp315

depends on the investment lineup your provider offers but small cap options like AVUV could be a good play if you are concerned with the long term valuation of spacex. you could also look into dividend focused ETFs like SCHD (spacex will never pay a dividend) or international funds to diversify away from large cap.

SnowballWasRight

ETFs for sure. I just turned 18 and started recently and I definitely would not invest in individual stocks. It is hard. Very hard. I was very silly and have a very bad gambling addiction so I got burnt very hard very fast. It does not feel good seeing yourself down 10-20 percent. Personally if you’re a tech guy, maybe think about going with QQQM? QQQ is effectively the same ETF but it has a higher expense ratio and trade volume. Since you’re buying and holding go with QQQM. It tracks the NASAQ 100 which is very heavy. Or just VOO and chill. That works. Do research on ETFs. See the reasons why there’s a handful of ETFs that are so highly regarded by everyone. Spoiler: it’s because they track benchmarks and/or some sort of broad market as a whole. Obviously don’t trust a kid younger than you for financial advice but I think I’m parroting the general consensus amongst responsible investors. Personally I’m in VOO, AVUV, and a bit in DRAM. I sold most of my position in the last one though and that one is just for funsies.

jvaritek33c

I manage our household finances as a whole, roughly in a barbell strategy. My wife is the safe side of the barbell - almost entirely in VOO (50.5k) and SCHD (44.5k), with meaningful but not significant amounts in RSP (6.3k) and VXUS (12.5k). She also has a single share of Costco and I don't remember why Earlier this year I repositioned my VOO into BRK.B (47k), RSP (5k), AVUV (4.7k), and GLDM (3.3k) to reduce my exposure to megacaps and introduce some conservatism. Today I added a 8.5k leveraged position in GOOG, I already have a large position (57k) which is up 80% or so. Let your winners win, yknow. I have speculative options plays in NKE (1.5k) and USO (0.6k) I have 23.6k in SGOV to act as dry powder to be invested per my IPS, either into NKE depending on pre-defined quantitative benchmarks from their SEC filings or otherwise standby for other potential plays that look appealing and pass a DCF analysis All in all, I'm running her side as a typical "Index fund and chill" and my side as a concentrated bet on Google with the BRK.B investment acting as a "buy the dip" or "value investing" proxy. My thinking there is "they have an insane amounts of cash and a framework of value investing that I learn from, why try and do it better than them if they're the ones who have all the cash if a crash happens." It's me attempting to recognize that if a crash happens, I'm not likely to outperform their value investments My thesis for Google is that they own the entire vertical in the AI space, have the distribution network setup, and they're also my quantum computing exposure which I'm very bullish on

bizaromax

In Cad CASV In US AVDV/AVUV/AVEE Statistics says we should life says maybe

Strong-Room-9244

which all world are you invested in? MSCI tracking or FTSE tracking? AVGS for Irish domiciled version or AVUV for US domiciled versions are pretty popular. they track msci world small caps. selling depends on taxation of your country. Id recommend just adding slowly into AVSG for pounds version instead of just selling then re buying. A good allocation is to follow [marketcaps.site](http://marketcaps.site) Right now global small caps is about 10% so if you have VWRA, then a 10% AVSG is sufficient. If you want to be more aggressive you can even do like 80-20 but you have to understand that some periods it will underperform and you need to stay disciplined.

According-Dinner6190

Thank you for your insight, sir. This is what I'm in the mix between and upped the international as what you said. 80% FZROX 20% FZILX Or 70% FXAIX 15% AVUV 15% FZILX

fozzy71

You could add 20-30% international exposure via VXUS or AVNM, and 5% or 10% small-cap value exposure via AVUV.

Rude_Pirate9078

Alright you sophisticated group of well intentioned strangers, have at it. Below are my asset allocations and thesis for my positions. For context I am planning to run this strategy for 20 years before moving into a glide path for retirement. Asset Allocation ​30% VTI (Broad US Market) ​35% VXUS (Broad International) ​15% AVUV (Avantis US Small-Cap Value) ​15% AVDV (Avantis Int'l Small-Cap Value) ​5% IBIT (iShares Bitcoin Trust) ​Thesis -​S&P 500 Concentration & Valuation Risk: The S&P 500 is top-heavy and expensive, with the Shiller CAPE ratio sitting around 40x. The index is dominated by mega-cap tech names, making it vulnerable to a flat or negative decade if multiples compress. Keeping VTI at 30% maintains broad U.S. market exposure while cutting back on this specific top-heavy risk (and SPCX IPO). -​Global Value and Profitability Overweight: Excluding crypto, the equity split is exactly 50/50 domestic and international. This setup captures the valuation discounts outside the U.S., where multiples are lower. Allocating 30% combined to AVUV and AVDV captures the size and value premiums, while Avantis's fundamental screens filter out unprofitable companies. This provides better immediate earnings yields in a higher-interest-rate environment. -​Sized Crypto Allocation for Total Return: IBIT is set at a 5% target. Bitcoin's high volatility means a small allocation can noticeably drive overall returns during a major market cycle, but the position size is restricted so that a severe crypto drawdown won't derail the core portfolio. What do you think?

BikeNo5922

I’m 21 years old and I have about 3500 to put into an etf portfolio that will sit for many years. I am thinking of splitting it up as followed: 50% VOO 30% QQQM 10% SPMO 10% AVUV Of course I will keep investing over time, but I feel like this would be a good base to start. Please let me know how this looks. Thanks

rpv123

What sectors/ETFs are you all trimming right now? Thinking of cashing out my FMTM, SPMO and trimming my AVUV back since it’s now above the percentage I was originally envisioning. FMTM and SPMO, I’m just feeling suspicious of the gains and think we’re going to have another drop any day now and would like to have some cash for buying opportunities. Still getting used to having momentum in my portfolio (post-tax account) and how to use it wisely.

Delicious-Plastic-44

I’m 1/4 each: AVUV AVDV AVES ALLW.

bennyyyboyyyyyyyy

Over a ten year period AVUV and MDY have outperformed the sp500

Ahamadrayasbaboon

SPMO, SPHQ, QQQM, VONG, AVUV, AVDV.  Switch to margin account. Use a small amount of margin to sell puts on the above during dips to increase exposure. Small amount….always assume you’ll get assigned when you sell puts. Don’t try to make a living off them. Treat them like limit buy orders. One short put on each of those is like $90k worth of margin if assigned. Buy T-bills via SGOV with the premiums and liquidate them if assigned to reduce interest. 

Brilliant-Fee-4994

This was very helpful. Probably the most helpful explanation so far. I’m also deciding between VTI vs. SCHG, and I don’t plan on doing both for the exact reason you mentioned above. If you had to choose one of the routes below, which would you personally go with long term? 1) VTI, SCHD, VPU, and VXUS 2) SCHG, SCHD, VPU, VXUS, and AVUV

EaseInternational648

Red? I’m in the green ya peasant. VT, AVDV, AVUV. Suck it.

CUbuffGuy

Nothing wrong with those picks, but is there a reason you have specific allocation to the mid/small/growth ETFs? Personally for small cap I prefer AVUV for building long term wealth, as it is value focused, which seems mispriced right now with all the AI hype. For a 10+ year hold I’m confident it will do great. I do not personally like mid-cap, but that is another story. When I last did my research I preferred Vanguard’s midcap to IJH. I do like the growth pick, but I’d say just do it with intention. If you don’t have a good reason to believe growth will continue to outperform, you can’t go wrong buying the market (index fund). I’d say you could even drop the international exposure, and buy the global market if you just want very long term growth, but that would be rich coming from me, as I am mostly an individual stock picker/sector ETF investor. It’s all about what is comfortable to you. If you are comfortable with more volatility, something like VOO will be best. If you want a steady compounding return, VTI. If you want something with bonds that outperforms on the downside, underperforms a bit on the upside; but has very little total volatility: give TRAIX a try. There’s no way to give a real recommendation without having a consultation and risk survey, etc. but hope this gave you some ideas.

Blandmaan

ayyy nice, we have an identical retirement account. I like where I'm at, I'm trying to max out my Roth 401k with pure S&P 500 exposure, and then split my Roth IRA between AVUV and VXUS so that looks something like 76% VOO, 12% AVUV and 12% VXUS honestly nothing wrong with 100% VOO for a long time horizon in my opinion, but I think VOO/AVUV/VXUS is also solid: it's not overcomplicated, no significant overlaps, and we're getting good exposure to potentially lucrative sectors that VOO doesn't touch.

_Springfield

I currently am invested into VOO, VXUS, and AVUV. Would you recommend I sell and put all into VOO?

brightblueson

|Allocation|ETF|Theme| |:-|:-|:-| |30%|SMH|Semiconductors & AI hardware| |20%|URNM|Uranium/nuclear fuel cycle| |15%|SPY|Broad market anchor| |10%|GRID|Electrical grid infrastructure| |10%|XLE|Traditional energy| |10%|AVUV|Factor diversification| |5%|GLD|Hedge|

chekhovs_rum

Well this is a great time to open up my investing account and pick up some VOO and AVUV

yoshi3243

DFUS + AVUV (I’ve watched too much Ben Felix to not have small cap value)

yoshi3243

DFUS + AVUV (I’ve watched too much Ben Felix lol)

brokeasfvck

Any advice for 37M on breakdown of contributions? I tried to do a bunch of reading when I finally started actually working 1.5 years ago. It seemed that a diversified set it and forget strategy would be best. I did a bunch of reading on here and read the Tony Robbins book and some other beginner investing book. Currently my allotments every 2 weeks (or when I have extra cash to throw in I break it down to same ratio) is 62% towards VOO, 11% towards both AVUV and IMCG, 8% towards VXUS, and 4% towards both BND & BNDX. I feel like I have early onset Alzheimer's so I don't remember rationale for everything. My biggest question is the bond allocation. It's small overall, but 8% of my contributions. Since opening my account BND/BNX haven't grown, which I understand is normal. In one of the books I read I recall them saying how important bonds can be to offset volatile markets, even in earlier career investing. However, I'm starting to feel the nonimal returns from dividends when I'm not putting a significant chunk towards them probably isn't worth the opportunity cost of putting that money towards an S&P tracker. My goal is to to be able to "FIRE" in 7ish year. Fortunate to be able to put away 6 figures annually, but don't want it to all be for naught because of dumb strategy. Spoke with a Fidelity consultant and they basically said great job and consider one of their annuities for further investment opportunity :/. Thoughts?

MitchCurry

Rather be lucky than good any day. I exited DOCS on 8/1/25 at $57.63/sh after holding for a bit over 4 years. It trailed SPY barely for me (10.51% CAGR for me, 10.55% for SPY) because I was uncomfortable with the decelerating KPIs and revenue and the AIU risk. I figured my money would be better in VOO/QQQ/AVDV/AVUV. Fast forward to today and it's trading at $19 AH on some pretty dismal earnings.

Impressive-Agency-12

Thanks, I gotta research more on your suggestion. Dont know much about QQQM, SPMO, AVUV. My time horizon for sip is around 15 years minimum and my expectated returns are in the range of 13-15%

SerMumble

That looks pretty reasonable. If you cannot decide and don't like SPMO, AVUV, or other etfs, keeping it simple is fine until you find something better to invest into: 60% VOO 10% SMH 30% SGOV $50 ARKX $50 UFO Personally, I think you'll benefit more from this: 60% VOO 20% QQQM/SPMO 10% SMH 10% AVUV $50 ARKX $50 UFO

SerMumble

I'm not sure I entirely follow but are you planing to build your portfolio like this: 50% VOO 25% SPMO 15% SMH 10% AVUV $50 ARKX $50 UFO

SerMumble

VOO is S&P500 US top 500 large caps VTI is US total market They are both broad market but VOO covers 500 stocks while VTI covers 3,500 stocks. I like the USA focus. VOO is a great core etf. It adds a lot of utility to keep your portfolio robust. SMH is a very impressive high volatility etf which is good if you have the iron stomach for it. It's a great for international stocks like TSM. ARKX/UFO are a very large chunk and I'm not seeing their future performance really justify their large position in your portfolio. You would be better off just buying a few shares of rocketlab. It would be nice to see some of the SMH fund going to QQQM or SPMO so you have layers to your AI sector exposure. Maybe even FLKR for south korea's samsung and sk hynix would be a nice compliment. It would be nice to see some of the ARKX/UFO go to AVUV because there are a lot of great small US companies you don't carry. Overall I like how ambitious your portfolio is. I don't have the stomach for such large plays of SMH, ARKX, and UFO but it's great to see you are branching out your portfolio to pickup some stocks not held in VOO.

SerMumble

Wtf does someone being worth any dollar amount matter. A person can have a net worth of $1,000,000 and have no other assets than a house. A portfolio balance varies based on age, income, retirement goals, and other factors. Also wtf are you investing in VOO AND VTI for? Double dip the USA mag7 stocks? Pick one. VTI is fine for the USA and covers large, mid, and small cap. VOO is just the best 500 large cap in the usa. If you're looking for diversifying VOO, buy something like US small cap like in AVUV. Zero overlap.

iamNotLyingMan

Remove QQQ add QQQM Remove AVUV add AVGV

flappysack-

You could buy AVUV and attempt to get back that time.  Probably wiser just to do VT however.  Or maybe a mix.

Inevitable_Grab_9338

Managed accounts withjpm are milking you but no cheese situation.ı was with them btw 2024 march to just before iran war.Their Jpm large cap growth and digital evolution are far behind voo qqq and broad tech xlk vgt.1.45 fee is killer .They literally more money on you.Today call jpm securities and liquididy your funds by wednesday you got money available then but core portfolio VTI QQQM AVUV AVDV EMXC and thematic AIS PSI DRAM TCAI SGRT FMTM AIPO .sit back and relaxxx.I did same and now up and happy ! In disclosure ,they literally say advisor is work for jpm intetests not you in legal way.İf your friend is a professional he ymderstands othwerwise screw him ! Your money your future.Best

UpDown

AVUV

Inevitable_Grab_9338

%40 VTI %20 QQQM %15 EMXC %15 AVUV %10 AVDV=Congratulations you just beat 💓 🔥 Edward Jones by huge margin

TheBlackBaron

Having talked to mongstradamus before, he also holds AVUV, and the reason he uses DFUS instead of VTI is for the tax-awareness and the exclusion of zombie small cap growth rather than the very minor factor tilt in it.

Green-Grass-8782

Vanguard small cap ETFs? That is very broad and lacks context.. Which ones? Growth? Value? Broad based? You realize growth and value are two different things with two different track records? SCV has a pretty real long term outperformance gap. Look it up if you are too arrogant to understand factors. Market dynamics have not changed we have had similar periods where growth and mega caps have led the charge. Also since the funds inception AVUV and SPY are virtually identical in performance. Backtest. There also exists international SCV which is even more superior to US SCV historically. You just sound clueless here. You may learn a thing or two by broadening your understanding of investing beyond US mega caps if you’re young and plan to do this for a while.

lostharbor

Over 5 years S&P has a cumulative return ~73% Vanguard/fidelity small cap etfs have a cumulative return ~27% return. AVUV cumulative breaks from most other small caps, which is interesting and has 55%, still a good chunk trailing to S&P. No one is using 30 years as the barometer. The market dynamics have changed. AVUV doesn't even have history beyond 2020. So calling me incorrect seems pretty selective. Even over a 10yr horizon small caps was outpaced 2-1.

Green-Grass-8782

SCV is the best performing asset class of all time and over 30 year rolling averages has ALWAYS outperformed the broader market index’s like the s&p500. You’re also not correct. Look at funds like AVUV from Avantis. They’re up in similar fashion to the s&p500 since Covid and crushing over the last year. Performance chasing is not a long term strategy in investing. Research SCV and you’ll find out why.

CanYouPleaseChill

The S&P 500 has a P/E of 29 and a Shiller P/E ratio of 41, so there’s definitely no bargain there. Fortunately, other more reasonably valued ETFs exist: \- VXUS (international ex-US) \- AVUV / AVDV (US and International small-cap value) \- RSP (equal-weight S&P 500)

shoejunk

That’s not necessarily true. Last year I was looking at Paul’s charts back before 2025 data was included, and at that time I noticed something funny: 70/30 WW SCV did better than 50/50 WW SCV, but 50/50 WW SCV did better than US SCV. WW SCV is just a mix of US SCV and international SCV, so it seemed like adding more US SCV improved returns because 70/30 is 70% US / 30% international which did better than 50/50. So adding US improved performance. But going all the way to 100% actually made things worse. It’s because rebalancing the two causes you to buy low/sell high and results in higher performance than either alone. After 2025 data was added, it flipped. Now 50/50 does better than 70/30 because of international’s strong performance that year. But I’m not sure that means international did better than US overall. When I was looking at Avantis funds to implement this, AVUV and AVDV, I saw the same story. I found that in their short lifetime, from 2020 to 2025, AVUV (US SCV) was 12.9%, AVDV (intl SCV) was 12.6%, but the 50/50 combination of the two, rebalanced annually, was 13.1%! So US performed better than international, but a 50/50 combination of both performed better than either one, and that’s due to rebalancing. These are the only 2 funds I have seen that are so close to each other in performance and also so different in behavior that rebalancing can result in better performance than either of the funds on their own thanks to the buying low, selling high nature of it. But now with 2026 data that’s no longer the case. AVDV took a dip these last couple months.

ashiieyy07

Put at least 40% of the money into some etfs. My pick for long hold without tilts is VTI, VXUS, AVDV, and AVUV.

MitchCurry

Sold some covered calls on 3 companies I'd be ok exiting (FIGS, SOFI, and CLBT). If any get called away, the proceeds will immediately go into VOO/QQQ/AVDV/AVUV.

throwawayfinancebro1

If you want actual diversification youd want something like this: VTI – 42% VEA – 24% VWO – 12% AVUV – 14% AVDV – 8%

max_strength_placebo

> actually made good decisions from Reddit ideas I use reddit as a contra-indicator or inverse indicator: be highly suspicious of whatever reddit is promoting or hyping or recommending. if an investment is trending on reddit, it will probably crash in 6-12 months. I have seen several cycles of this phenomenon over the last 5-10 years: Electric vehicles and Tesla; cannabis stocks; Cathie Wood and "disruption" stocks; meme stocks and let's-screw-the-hedge-funds; Ben Felix/Avantis/AVUV (still popular, but comments dropped off markedly after last year's tariff crash); crypto/SPACs; rare earth minerals and AI most recently.

Fuzzy-Champion-2653

I’m a newbie investor and was to allocate something aggressive Did some research and got these allocations FSKAX 50% FTIHX 20% QQQM 10% SMH 10% AVUV 10% Any feedback is appreciated.

Infnits

Yeah the overweighting angle is fair, VTI + QQQ for a tech tilt is a real strategy as long as you know that's what you're doing. On the expense ratio thing you're right, it's basically a wash if both funds are 0.03 to 0.06%. The real cost isn't the fee, it's opportunity cost. If your intent was to diversify and you ended up with two funds that move together, you spent that allocation on something that didn't do the job. That same money in VXUS or BND or AVUV would've actually reduced your correlation to the US large-cap bet. So the downside isn't what you paid, it's what you didn't get. The portfolio looks diversified on paper but behaves like one position when the market moves.

Fun_Pay_992

Spot on. That phrase 'indecision dressed up as strategy' is a top-tier reality check for many investors. People often confuse 'quantity of tickers' with 'quality of diversification.' Holding VOO and VTI together is essentially just tilting your portfolio slightly toward Large Caps while paying for the illusion of a broader net. Real diversification is about zigging when the S&P 500 zags. Adding uncorrelated assets like VXUS for international exposure or AVUV for that small-cap value factor is where the actual risk management happens. Great breakdown of the correlation traps!

EmbarrassedPart1256

Heading into next week with a solid bag of cash. One of my holdings wasn’t for me; who knows if I’ll go in on a penny stock or just load into $AVDV & let Advantis do the work for me? Already holding $AVUV. But penny stocks *are* (the) shit…

RipResponsible3866

I'm just finding my footing w investing (just about two years of putting money in) and I've recently solidified a new investment strategy for my portfolio: 80% for growth (64% US - VOO, SPMO, XMMO, AVUV; 16% International - SCHF, VXUS) and 20% primarily for dividends (VRP, SCHD, SPHD). Is this a well-diversified portfolio that'll grow well long-term (30+ years) and pay decent dividends in the medium term (10+ years)?

Lil_Sperm

I’m actually looking to diversify into stocks because I bought a bunch of boring ETFs on March 30 and 31st during a big dip, now this dip at NOC has me interested in diversifying into individual stocks. ETFs have treated me kindly, but I’ve made so much more from the individual shares I bought during that dip than VOO AVUV and VXUS. SMH and SOXX have been another story though…holy smokes. Just dipped my feet in a little RTX, wish me luck! (In case you couldn’t tell I like aerospace and defense stocks founded in Northern Virginia in the 1930s lol)

MitchCurry

I owned shares for a bit over 4 years. I sold in Feb 2026 and moved the funds into VOO/QQQ/AVDV/AVUV. I got scared off by what AI *may* do to Medpace. Looking at yesterday's report, that book-to-bill is terrifying. It's the lowest level that I can recall in the 4+ years I owned. And book-to-bill is the single most important forward-looking indicator for a CRO. And this isn't a blip. In Q1'25 Troendle said they had a path to re-build book-to-bill back above 1.15 by Q3 & Q4 and they nailed it in Q3 with 1.20. But Q4 came in at 1.04. Now 0.88. That's significant deterioration. Also 26.5% Q1 y/y topline growth is good but FY guidance is \~10% at the midpoint. That's an acknowledgement of major weakness in the pipeline for H2. This would be a wait and see situation for me.

Ok_Inspection_8203

50 QQM / 25 AVUV / 25 VTI. Ride the waves down and up. Only susceptible to series of returns risk, but any stock worth investing in is.

EmbarrassedPart1256

Not necessarily penny stocks but $DUOT & $NU are my small cap favorites right now. There’s also $AVUV, a small cap ETF, that’s doing well too. Take the work out of choosing the stocks & let them do it for you.

webster4221

VOO 50-60% VXUS 20-30% AVUV 10-20% I'd split it up between these.

UpDown

Never because I’m all in AVUV

EmbarrassedPart1256

Out of $RITM, going full-on defensive: $UTF, $UTG, $BUI, with $ARDC & $PFFA for some extra risk/return. As far as penny stocks go, $BBDO & $AVAL have my attention, both dividend-paying Latin American financial institutions. I’ve been watching for a while so I think I’ll average in over time. Also $AVUV is a small-cap ETF, that’s also just absolutely ripping today, that also pays a little dividend. It’s not a penny stock but it sure beats holding bags of who knows what you jumped into…🤙 I wish I had bought more AVUV but I will not free-base cocaine. I won’t do it!

Aggressive-Donkey-10

AVUV and AVDV are great for small cap value with a quality screen for your US and foreign small cap value needs and I never feel like my portfolio is complete or safe either

Same_Bag711

Well I maxed my ROTH a few weeks ago and put it all in GOOG and that’s gone up a decent amount in the last week. I’m mainly invested in VTI, NBIS, CHPY, and AVUV.

thenuttyhazlenut

I really like AVUV for those going the ETF route. I also like that you're confident enough to allocate some to individual stocks - not just full out over diversified ETFs. Yes, you're too exposed to semis IMO. I put your portfolio through GPT and it says you're about 23% in semis.

WaterReflection0521

It's not that you are not a DIY guy. It's just that stock picking is not for you. You can still be a good DIY investor. There is nothing magical any "intelligent" portfolio can get you, nor is a robo advisor going to do that for you. Stop looking for those. Pick a few good stock index ETFs for long-term accumulation and capture various segments of the stock market. A well-diversified stock portfolio holds half in growth and half in value, generally large cap growth and small cap value. You can do something like a 35/35/15/15 split across these ETFs: VUG, AVUV, IDMO, AVDV. The first two are US large growth and US small value and the last two are international developed large growth and small value. Keep them rebalanced every year or two years, or by investing into the underperformer with new $ regularly.

Swred1100

I do VOO, AVUV, VXUS, QQQ. Could easily take out QQQ but I’m young and want the added tech exposure. I like to be able to manually rebalance if I want to go heavier in any one (US Large, small/medium, international) segment.

tired_ani

No, I don’t play around with my Roth and 401k which is fully in VT + 10% AVUV and a target date fund respectively. I only buy individual stocks in my Taxable and HSA. My Taxable is 25% IVV too, so I am referring to selling some of that 25% to fund my above direct picks.

456M

AVUV is basically back to ATH and is 13% YTD.

MitchCurry

Lmao you can't even see my comments. But hey, here's one from this morning >[MitchCurry](https://www.reddit.com/user/MitchCurry/) •[2h ago](https://www.reddit.com/r/stocks/comments/1sflk9i/comment/of6txw6/) > Top 1% Commenter >Just added 11% more shares to my NOW position and 16% more to my VEEV position. Here's one from two weeks ago > [MitchCurry](https://www.reddit.com/user/MitchCurry/) •[13d ago](https://www.reddit.com/r/stocks/comments/1s4zbj2/comment/octmxoo/) > Top 1% Commenter >Just added to MELI (3% more shares), NOW (29%), NU (9%), UBER (36%), TOST (20%), AVDV (8%), AVUV (2%), QQQ (2%), and VOO (2%). Ooooh, I'm so bearish.

Comfortable_Bad9963

XSMO is a solid small-cap momentum fund. Different factor exposure though. AVUV targets small-cap value (cheap companies), XSMO targets small-cap momentum (companies with recent price strength). They actually complement each other well since value and momentum are negatively correlated. Some people run both for that reason. Performance wise XSMO has done great recently but momentum is streaky by nature. AVUV tends to be more consistent across longer periods.

Comfortable_Bad9963

XSMO is a solid small-cap momentum fund. Different factor exposure though. AVUV targets small-cap value (cheap companies), XSMO targets small-cap momentum (companies with recent price strength). They actually complement each other well since value and momentum are negatively correlated. Some people run both for that reason. Performance wise XSMO has done great recently but momentum is streaky by nature. AVUV tends to be more consistent across longer periods.

Comfortable_Bad9963

The problem with small-cap stock picking is survivorship bias. The ones that made it big look obvious in hindsight, but for every winner there are dozens that went to zero. If you want small-cap exposure without the single-stock risk, something like AVUV or VBR gives you the small-cap value premium systematically. You still get the higher expected returns from the size factor without betting on individual names.

MoreThanLuck

Here's my rough portfolio right now, though it's definitely a work in progress. I was initially aiming for roughly 50% VOO, 25% VXUS, 10% each AVUV and SPMO, and 5% individual stocks. I'm in my early 30s, willing to take on a bit higher risk for more growth. That said, I'm a bit over-invested in semiconductors, no? Was thinking about divesting the SPMO for more individual stocks in another sector, maybe pharma or green energy. Right now, I'm adding roughly $250/month, and not really increasing my positions on anything but the ETFs. |**VOO**|45%| |:-|:-| |**VXUS**|23%| |**NVDA**|10%| |**AVUV**|9%| |**SPMO**|9%| |**TSM**|4%|

tired_ani

I got out of KFS a few months back to fund some dip buys, will have to re-evaluate that. but just overall realization on my part that I have paper hands when it comes to small caps, just buying the AVUV etf . Thanks for the names!

tired_ani

I really shouldn’t be buying more NTDOY since my position is already full but man it’s tempting. Also bought a 1/5th position in SAFRY, planning to add to AVUV. I am reaching a point where I might not add more to individual positions more now (acknowledging that I have blind spots) and only contribute to etfs/index till they get back to being the majority of my portfolio (where they were before the war)

Fenderstratguy

If I were to invest in small cap for the premia I would look at AVUV or similar for small cap VALUE. Small cap growth usually does worse and is known as the "black hole" of investing from what I remember. Worth looking into the difference. https://www.etf.com/sections/index-investor-corner/swedroe-small-cap-growth-anomaly

Moldovah

It's like you saw all the recommendations for AVUV and AVDV and pretended that you just came up with this.