AVUV

bigdave316

Same here but threw in AVES for some emerging markets exposure as well 35 VOO 35 AVUV 15 VXUS 7.5 AVDV 7.5 AVES This is for taxable brokerage. 70/30 us / international with heavy SCV tilt. My 401ks are standard target date funds so wanted more risk exposure with this one

sankha93

VOO + AVUV + VXUS + AVDV I would go with VOO + VXUS if you are a index investor. I like to bet on factor investing, so tilted my portfolio to small cap value.

zbern

SFY, IVE, IVW, are pretty much all the companies. I think SFY has a few different holdings. So, you could just reduce it down to SFY or a different S&P500 fund. Having international is fine. Tech is probably good long term however iShares does make a global tech fund that may intrigue you for this purpose. I don't know much about the factor rotation ones to be honest. Factor rotation is a viable strategy, but over the long term I'm pretty sure just a standard S&P500 find has beaten that strategy. What I do for my kid is take the mid/small cap weights of a total market fund but then increase them by x1.5. Over the long run the small cap value is fantastic and is great risk/reward. Over the long run as well mid cap blend is a perfect sweet spot. For my kid I have 58% SPLG 30% FMDE 12% AVUV.

YouHaveShitBreath

Yep, by the time everyone switched to AVUV and IWM, the run has finished 🤣

helpwithsong2024

Most of them have underperformed the Vanguard equivalent (AVUV is like the one exception) so I don't really trust them to continue outperforming. Active management loses 90% of the time so why would DFA be any different? If you want small cap value VTV is as simple as it comes.

Yukas911

Small caps companies are listed. Small cap ETFs, too, like AVUV, VB, IJR...

Prudent-Corgi3793

I can’t explain why this legislation (passing the Senate with modifications but no substantive change from that which has been proposed for months) has specifically pumped AVUV. I suspect the abrupt spike has more to do with rebalancing as institutional investors rotated from winners to losers to begin the new quarter on July 1.

AICHEngineer

If BBB bad for SCV, why AVUV up 4% in two days?

Spirited_Macaroon_77

I'm late to investing. 40, USA. I finally paid off my high interest debt and have some income stability and I'm planning on retiring at 72. I was thinking of allocating my Roth IRA thusly: 65% FNILX (US large cap blend) 15% AVUV (US small cap value) 15% FZILX (International large cap blend) 5% AVDV (International mid/small cap value)

456M

Idk but small cap value is up bigly and I'm enjoying it it. Go AVUV go!

GlendaleFemboi

Why did US small caps jump so much this morning? My VTI is +0.1% and my AVUV is +3.2%

shellbackpacific

I have two brokerage accounts. One mostly for investing long term and another that’s dedicated to short to medium term savings. In the latter I hold enough cash for my emergency fund and also buy funds in “risk parity” way. I use a portfolio called the “Golden Butterfly” for this medium term savings. The idea is to own several different assets that are all positive (go up in value) but inversely correlated (go up and down at different times) so the value of the assets will be stable. It’s working pretty for me. So in addition to the cash , i buy these funds in the equal proportions and rebalance as i buy: GLDM (gold) 20% SHY (Short Term Treasury bonds) 20% TLT (Long Term Treasury bonds) 20% VOO (S&P 500 stock fund) 20% AVUV (Small cap value stock fund) 20% 20% x 5 = 100%

joe4942

> AVUV Only +19% since March 2021.

zooka19

Just found out in the UK, we finally have an AVUV alternative. Now we finally got one, I'm not even sure I want it.

FLABOI2826

ETFS - SPLG SCHG AVUV. 50/30/20 split. Focus on growth more than dividends ETFS.

ThePushaZeke

My opinion: Yes to mutual funds or ETF’s No to anything to prioritizes high dividend payments (where does this money come from? Are you as a shareholder basically just diluting/decreasing your stack just to be paid your portion of the money back?) VT is a really good single fund option VTI/VXUS is a really good 2 fund option More risk tolerance or want to add your own spin? Then maybe add some spice with factor-based ETF’s like value/growth or large/small cap (AVUV is a personal fav). There’s also maybe a specific industries or types assets you want to hold, such as real estate or crypto or precious metals. Nothing wrong with that but it’s an entirely different game than buying LOW COT broad index funds. My top rules: 1. Diversify well 2. No leverage (or leveraged ETFs) Note: fidelity has some great ZERO expense ratio funds that are well diversified FZROX is one of them! Good luck!

ThePushaZeke

My opinion: Yes to mutual funds or ETF’s No to anything to prioritizes high dividend payments (where does this money come from? Are you as a shareholder basically just diluting/decreasing your stack just to be paid your portion of the money back?) VT is a really good single fund option VTI/VXUS is a really good 2 fund option More risk tolerance or want to add your own spin? Then maybe add some spice with factor-based ETF’s like value/growth or large/small cap (AVUV is a personal fav). There’s also maybe a specific industries or types assets you want to hold, such as real estate or crypto or precious metals. Nothing wrong with that but it’s an entirely different game than buying LOW COT broad index funds. My top rules: 1. Diversify well 2. No leverage (or leveraged ETFs)

FLABOI2826

I would put the 50k in a moneymarket - emergency fund( vanguard ) . Take 200k spread across ETFs (SPLG,SCHG, AVUV) or others to your likely . I would take the remaining 100k - put in real estate - single famiily/multi family or commerical property .

456M

Not significant, but small cap value like AVUV seems to be lagging YTD.

MaxwellSmart07

I feel your disappointment. The Boglehead orthodox are still insisting, after the fact, that I should have been into VOO, VXUS , BND &/or AVUV over the last decade instead of SPMO, QQQ, SPLG, VGT and SMH. The situation now is in flux. Will you abandon international or retain it and dca into domestic growth? FYI: IDMO is far better than VXUS.

Strategerish

Yes, the US market is foaming at the mouth. However, there are other opportunities to invest in while you wait for the US market to cook down. You can go ex-US developed markets (VEA) or US small-cap value (AVUV). And if you're feeling really adventurous, you can go ex-US small-cap value (AVDV)

False_Comedian_6070

That’s why you invest in small cap, mid cap, and large cap. But companies have the most growth potential when small cap. But I would stay away from funds that follow the Russell 2000 small cap index. SP600 index or a smart beta fund like AVUV or XSMO is better. Active management *might* also be worthwhile for small caps if you’re willing to take manager risk (most people aren’t).

BirdyHowdy

Interesting but AVUV/AVDV just pay you \~1.5–2% in return, right?

ConsistentRegion6184

The honest intention is to "own the market". There are a lot of manipulative business practices up and down. PLTR is super cringy and creepy the more I read about it. I don't care much for META or TSLA but I buy the S&P 500 because I buy the market. I take a bit of pride that I love AVUV/AVDV and I'm very overweight in them. Those are thousands of companies but I just like the enthusiasm for small caps, and not large banks and AI and all that always being over half my portfolio.

Meme_Stock_Degen

Yeah only literally the biggest health insurance provider and biggest multisector conglomerate on the planet nbd, way undervalued, belong in AVUV to be honest

GodMyShield777

 get VOO , SCHG , AVUV , AVDV , some SCHD depending on age . I got some IBIT , GLDM also

Charming_Mushroom_70

Admittedly, I was only considering qqqm bc my Roth IRA holds something similar in and has done well, but Ive only recently considered scv and am still learning. Her 401k is a TDF. And doing so incase something happens to you makes a lot of sense. I believe Paul Merriman now suggests a 2-fund portfolio of a TDF with AVUV, have you considered something like this for your wife? That was my 2nd consideration for simplicity sake and just hold a 15-20% allocation to AVUV. She’s started late on a Roth IRA at 33 and wants me to manage it so I’m not set on a strategy yet. I appreciate your suggestions.

Charming_Mushroom_70

Yeah, the tilts are intentional. SPLG and VEA/VWO give broad global exposure. QQQM is a growth tilt I believe in long-term. AVUV, AVDV, and AVES add small/value exposure in the U.S., international, and emerging markets. Areas with strong evidence for long-term outperformance. Might look complex, but the goal is to diversify globally and tilt toward factors that historically add return.

Ok-Reflection-5882

Hey I'm not sure if you've just been born, but people have already been doing this for decades. Ever heard of someone named Warren Buffet or Benjamin Graham? You want more volatility? Use the Russell 2000 instead of the S&P. You want even more? Use small cap international stocks. Funds like this already exists, like AVUV and AVDV. There are already mounds and mounds of academic studies based on your "original idea."

davecrist

The wide variety of similar DFA funds is confusing to me. I wish they had documentation that was more succinct. I’m a weekly DCAer of AVUV and AVDV currently. I like the idea of adding AVUS and AVNM to compliment buys of S&P500+Ex-US funds in my retirement account but I’m concerned about AUM and volume levels.

marikek

Thanks for the info. I am indeed aware of Avantis, but feel like I am not ready to make the jump (although I currently own AVDV and AVUV for factor exposure- still debating to switch those positions to dimensional equivalents) with them as they are still quite new compared to dimensional and don't have the same long track record. The increased TER of DFA ETFs don't bother me too much to be honest as from history it looks like it comes with expected returns that outweigh the increased costs when compared to corresponding index funds

xiongchiamiov

If you really believe in factor investing, then there's Larry Swedroe's portfolio: https://www.optimizedportfolio.com/larry-swedroe-portfolio/ If you only want to provide a tilt, then you'll need to first determine how much of a tilt to undertake; 10-15% is pretty common. The easiest way to do this and be clear about your tilt is to set up your base portfolio and then add the tilt funds. So for instance, your US stock portion might be 85% VTI and 15% AVUV.

Commercial-Speech122

AVUV/AVDV... !remindme 5 year

ModelingDenver101

I got $400k in an inheritance. I put $100k into VOO at $520, $100k into AVUV, $50k into VXUS, and $150K into QQQI (13% dividends to pay for my car expenses).

GluckMitGeld

AVUV - 20 years no touchy

ModelingDenver101

Fund a Roth IRA, $7K. I'd put 50% into VOO and 50% into AVUV.

msta_ta

I think it's a dicey hypothesis to arrive at a reasonable portfolio of low-cost broadly diversified index funds. 50 years of back tested data is not an impressive sample size. VBR isn't the most "small cap value" small cap value fund out there, people tend to like AVUV more. There also isn't anything "globally diversified" among funds you listed, which are all USA only, despite claiming you have a "globally diversified" portfolio in your post. 5 percent tilts are usually not worth their weight in your portfolio, adds complexity in exchange for minimal impact.

davecrist

My Roth is 100% small cap value ( 50:50 AVUV:AVDV ) exactly because i don’t plan to touch it for at least another decade or two and I want it to grow as much as possible.

Big_Morning_2485

What do you do?!?!?!!!??!? STOP. Buy VOO, AVUV, XMMO, and 2% of ur portfolio make IBIT and then grow up like an adult

Humblebrag1987

I'm still pretty sure the volatility will return. I'm holding a little extra cash to buy the dips. Instead of just DCA. Everything in my core position has outperformed my pre - calamity holdings. This has allowed me to drop 25k extra in voo at like a dollar off it's recent bottom I think it was 469 iirc. The AVUV dip was good too but I didn't put 25k unfortunately.

Lazuli9

Lol yeah, i should have got on that dip this morning I gotta free up some buying power which will probably mean selling my AVMV and AVUV (Medium cap and small cap value) ETFs for a loss I bought 100 shares of NBIS in my accounts to sell calls on in my different accounts but probably should have done RKLB in one of them especially coz it's cheaper Waiting for stocks to go down to buy shares is much less stressful than getting mad when they won't go the right way for my options at least  I don't miss that feeling

MitchCurry

I've own AVUV and have had AVDV on my Buy? watchlist. Just haven't started it yet in the ETF corner of my portfolio. Probably not a great time to start now but time > timing so I may just doing nibbles here and there.

AP9384629344432

My ex-US small cap value ETF (AVDV) is on fire lately. YTD it is +19% (price return). It's been a much more useful diversifier than the general ex-US stocks. By contrast, my US SCV (AVUV) pick is -7% YTD. It's probably a bad comparison due to start dates but for fun, the 5 year total return for AVDV is 15.4% annualized (it pays a sizeable dividend). This compares to 15.6% total return annualized for VOO. AVUV is +19% annualized on the 5 year. But this is very misleading due to Covid crashes. So let's do 3 year total returns, perhaps a bit more fair: - AVDV: + 11% - AVUV: +5% - VOO: +12.1% - VXUS: +8% Not a bad showing for ex-US SCV if you ask me. SCV definitely is not as dead as it was proclaimed recently. I wrote about this a long time ago but ex-US SCV is known for suddenly going on massive bull runs when rest of the market is stagnant. Greatest example is in the 1980s.

ComfortableCraft2710

I asked ai for an investment plan and it gave me this. Is it solid? I'm new to investing and haven't started yet. Here’s the **optimal 20-year investment strategy** for your $50,000 lump sum + $500/month, balancing growth, risk management, and simplicity: --- ### **1. Core Portfolio Allocation (Recommended)** | ETF | Allocation | Role | Key Benefits | |-----|-----------|------|-------------| | **VOO (S&P 500)** | 70% | Core growth | Broad market exposure, ~10% avg. returns | | **AVUV (Small-Cap Value)** | 15% | Higher growth potential | Historically outperforms large-cap over long periods | | **VXUS (International Stocks)** | 10% | Diversification | Captures growth outside the U.S. | | **BND (Bonds)** | 5% | Stability | Reduces volatility, especially later in the 20-year period | **Why this mix?** - **VOO** is your foundation (low-cost, proven track record). - **AVUV** adds small-cap value stocks, which have higher long-term return potential. - **VXUS** hedges against U.S. underperformance. - **BND** provides safety as you near your 20-year goal. --- ### **2. Expected Growth (Projections)** - **Assumptions:** 7–9% avg. annual return (adjusted for inflation and fees). - **Math:** - **Initial $50,000** + **$500/month** for 20 years: - At **7% return**: **~$600,000** - At **9% return**: **~$800,000** --- ### **3. Execution Plan** #### **Step 1: Invest the Lump Sum** - Immediately deploy your **$50,000** into the portfolio: - **$35,000** → VOO - **$7,500** → AVUV - **$5,000** → VXUS - **$2,500** → BND #### **Step 2: Monthly Contributions ($500)** - Allocate monthly buys to maintain balance: - **$350 (70%)** → VOO - **$75 (15%)** → AVUV - **$50 (10%)** → VXUS - **$25 (5%)** → BND #### **Step 3: Rebalance Annually** - Once per year, adjust holdings back to target allocations (e.g., if VOO grows to 75%, sell some to buy more AVUV/VXUS). --- ### **4. Why Not 100% S&P 500 (VOO)?** - While **VOO alone** could work, adding **AVUV and VXUS** improves: - **Diversification:** Avoids overexposure to U.S. mega-caps. - **Return potential:** Small-cap value (AVUV) has historically beaten the S&P 500 over 20-year periods. - **Risk management:** Bonds (BND) reduce portfolio swings. --- ### **5. Alternative Strategies** #### **A) Aggressive Growth (Higher Risk)** - **100% Stocks:** 80% VOO + 20% AVUV (no bonds). - **Potential upside:** ~$700K–$1M after 20 years, but with bigger drawdowns. #### **B) Conservative Approach** - **60% VOO + 20% AVUV + 10% VXUS + 10% BND** - Smoother ride, but lower expected returns (~$500K–$700K). --- ### **6. Key Rules for Success** 1. **Never panic-sell** (hold through market crashes). 2. **Automate investments** (set up monthly $500 buys). 3. **Ignore short-term noise** (20-year trends favor patience). 4. **Tax efficiency:** Use a **tax-advantaged account** (e.g., Roth IRA, 401k) if possible. --- ### **Final Recommendation** **Best balance of growth and safety:** - **70% VOO | 15% AVUV | 10% VXUS | 5% BND** - **Projected value after 20 years:** **$600K–$800K** This strategy maximizes returns while managing risk, aligns with historical market behavior, and requires minimal maintenance. Would you like help optimizing for taxes or adjusting the bond allocation as you age?

Ok_Platypus_1845

A small cap value fund for the US like AVUV could help you diversify away from the S&P 500.

ResortInevitable7627

my portfolio has VOO, GLDM, AVUV, and VXUS, but if I did it all over again I'd go a simpler route and just do the first two. research ETF's and choose what's best for you

Commercial-Speech122

So whats the best small cap value ETF these days... AVUV?

Taymyr

Plenty of indexes on ETFs beat it consistently, they're higher risk like XMMO, SPMO, or AVUV or leveraged. If they can sustain it, maybe, maybe not. SP500 is a safe relatively lower risk index.

_Radical_One

Hi Everyone, I'm in my late 20's and just getting started with investing, focusing on ETFs for long-term growth. I’m putting approx $1,500/month into this allocation: * **QQQM (30%)** * **VTI (35%)** * **AVUV (25%)** * **VXUS (10%)** To build this foundation, I’ve researched beta, expense ratios, overlap, and historical returns. I’m not investing in individual stocks or options yet- just keeping it simple and aiming for long-term compounding. On the retirement side, I contribute 6% to my 401 (k) to get the full 4% employer match. I don’t have a Roth IRA yet, but I want to learn more about tax-advantaged accounts and stock market investing in general. I’d appreciate feedback on: * This ETF allocation for someone my age with a higher risk tolerance * Sectors or specific ETFs you’d recommend for more diversification or growth * How do you handle sector/thematic ETFs as trends change * Tips on rebalancing or tax-efficient strategies for beginners Also, I'd love your recommendations if you know of any niche resources, communities, or tools that helped you get started (especially beyond the usual basics). Thanks for your insights!

ILuvAnneHathaway

5% SCHD - dividend value 5% VIG - dividend growth 10% VB - small cap blend 10% AVUV - small cap value 10% BND - bonds 15% SCHG - tech growth 20% VXUS - international 25% VTI - total market How’s this ?

ILuvAnneHathaway

How’s this new one ? 5% SCHD - dividend value 5% VIG - dividend growth 10% VB - small cap blend 10% AVUV - small cap value 10% BND - bonds 15% SCHG - tech growth 20% VXUS - international 25% VTI - total market

HobbitFeet_23

Instead of large cap growth, which is already a great portion of SPY, why not small cap value (like AVUV or DFSV)? It is a risk/reward play, it’ll actually lower your concentration in US mega caps and it targets (allegedly) undervalued stocks instead of highly valued ones. Aside from that, I’d argue that allocating 30% total to you “diversifiers” and 90% to stocks, actually doesn’t give you too much risk diversification if that’s what you’re looking for. Utilities and staples are still stocks, even if they’re less volatile. 5% in managed futures or hold won’t give you a significant risk reduction, etc.

Successful-Tea-5733

This is why most retailers didn't sell and in fact invested more. I invested over 5 figures between mid March and now. My only regret is I wish I invested more. I will buy more next month and the next month and don't really care if it is +20% or -20%, my timeline is hopefully over 20 years. The only thing I sold was AVUV but I did not own much. I bought it over a year ago based on reading this sub. It never did good and quite candidly I didn't understand it well enough to own it; so I sold it.

Humblebrag1987

I bought the dip. Not as much as I could have. I directed a whole check into the 401k and just 30% or so of cash reserve into voo and AVUV when they were low. I think voo was 470. I think it will dip down there again and we'll all have more chances to buy the dip. I don't think the real billionaires will tolerate more volatility or collapse than that. In answer... I'd not sweat 1.75% and stay the course. In the case I was all cash I might wait for the next dip because I think there will be one, hard to say.

noncompact_leaf

Yes, I think I will simply buy instead of reallocating tomorrow. That means I will be buying just AVUV since it is much further down than VOO unless something changes significantly overnight. I'm kind of nervous to be buying a bunch of companies that I have never heard of the names of, plus an actively managed fund, but it looks like historically it is a good move to buy AVUV while it's down 16% in 6 months (like it would be a good move to buy voo if that was down the same amount instead). Also, I wish I had the patience to DCA, but I think I can only buy a big chunk at once. (I'll save a little on the side to buy if the market goes down a ton, but otherwise I'm just going to buy all at once... And then the market will go down obviously!) Interesting about the tracking error and deviations with the other ETFs you described. Well, if I'm making a terrible mistake, you guys have until tomorrow to warn me! :)

noncompact_leaf

Ok, thank you! Basically I am about to buy a bunch of AVUV right now since it's the one that's down, so that is what would balance things out.

noncompact_leaf

So my bond percentage should be very negative :) I have way too much sitting in bonds as well right now... Way over half my money... When I say "portfolio" I only consider my investments, but I should add to it. Basically I am about to buy a bunch of AVUV only since it is the one that is down now and therefore this is what would balance to the ratio I want.

noncompact_leaf

Thank you! Now I am planning to do two things: 1.) I have almost everything in DFAC right now, so I want to figure out what % is small cap and what is s&p500 and then switch DFAC into VOO and AVUV accordingly. 2.) Once everything is in the percentages I want (let's say 60-25-15 like in your example), then I will rebalance when needed. My last question: What if I want to rebalance every day (if needed) as opposed to a few times a year? Do you see a downside to that?

noncompact_leaf

Thank you! I will start reading about adding back some more small-cap either through AVUV or VTI and also internationally... probably EMXC if I add any just for personal reasons.

xiongchiamiov

Well, I can tell you what I use. But I don't think you actually _do_ care about that - you want to know what _you_ should use. And since we are different people with different situations, it would be intellectually lazy of me to just jump to the end, and not helpful (and being helpful is why I'm here). If you insist though: portfolio: - 85: # equity - 60: # US - 85: SCHB # broad - 15: AVUV # small cap value tilt - 40: # international - 75: # developed ex-US - 85: SCHF # broad - 15: AVDV # small cap value tilt - 25: # emerging - 85: SCHE # broad - 15: AVES # value tilt - 15: # bonds - 100: SCHQ # long-term treasuries

andybmcc

AVUV is US small cap value, not growth.  AVDV is ex-US developed small cap value, not a US dividend fund.

Gowther-Lust-Sin

This is a better version to your allocations: **VOO = 45%** **AVUV = 15%* **VXUS = 25%** **AVDV = 15%**

DifficultyOk8029

Hey all, I am looking to get some clarity on the right balance to target with a four-fund portfolio, diversifying from my current positions to include small-cap value (probably AVUV since that seems to be the gold standard). I am a pretty simple set-it-and-forget-it investor and don't want to complicate things. Currently, I have the following positions in my taxable and retirement accounts: * **Taxable**: VFIAX/S&P500 (75%), VTIAX/Total International (20%), VBTLX/Bonds (5%) * **Roth IRA**: VFIAX (80%) and VTIAX (20%) My new positions would be balanced as follows: * **Taxable** (No change) * **Roth IRA**: VFIAX (60%), AVUV (20%), VTIAX (20%) Are there any additional things to consider when diversifying from large-cap, or is it as simple as throwing 20% into AVUV for the long haul? Is 20% too high, too low, or just right? Please let me know if there is a resource I can follow, as opposed to seeking general public opinion. More info about me: 23 y/o American with a medium-high risk tolerance. My time horizon is 40 years for retirement. My taxable account could be anywhere from 10 to 40 years, which is why I have a small bond position.

xx123234

Yea remove it and buy AVUV and AVDV for SCV tilt

zealousmisty

Canadian. 40 years old. 25 years (or less - hopefully!) until retirement. I understand I'm a bit underweight in international equities. Tariff situation aside though, I'm very bullish on US equities long-term. Would welcome any feedback! VOO - 50% QQQ - 20% VXUS - 10% VWO - 5% AVUV - 5% SCHD - 5% ROBO - 2.5% GNOM - 2.5%

mister_picklz

32. I've been at my current job for 2 years, opened Roth and brokerage this year. Plan on retiring when I'm 67. Focusing on emergency fund (20k) and down payment for house (40k) over the next 3-5 years (minor investments into Roth and brokerage to keep them warm), 401k at 8%. 401K (High priority) SP 500 50% World Equity Index EXUS 25% SP 600 Smallcap 15% Midcap Index 10% Roth IRA AVUV 40%  AVDV 25%  AVEM 25% QQQM 10%    Brokerage (low priority) VTI 75% VXUS 20% BRKB 5%

Jguy2698

Wouldn’t factor tilting be a little more aggressive. Say if they were 80% VT and 20% AVUV for small caps

ozovzk

I recently started a Roth IRA and have been doing 60% FZROX, 20% VXUS, 10% AVUV, 10% AVDV. Are the small caps worth it or should I simplify to just the first two? Or any other recs in general

PoopyisSmelly

AVUV, which has underperformed every other small cap value fund excepting a short time period where its quality tilt made had better short term results. Or like the prior DFA SCV fund which underperformed index funds in basically every non-recession time period. Hes using voodoo bullshit magic, Fama and French made a lot of assumptions

Freightliner15

Global with a SCV tilt. Both AVUV and AVDV.

Accurate-Photo-7871

I’m looking for thoughts on my investment strategy as I age. Any feedback is appreciated!  I’m thirty now and investing this portfolio:  VOO — 15%  SCHG — 35% AVUV - 25%  FTIHX - 20% SCHH - 5% At 40:  VOO — 20%  SCHG — 25% AVUV - 20%  FTIHX - 20% SCHH - 5% FXNAX - 10% At 50: VOO — 15%  SCHD - 20%  AVUV - 20%  FTIHX - 25% FXNAX - 20% At 55:  VOO — 10%  SCHD - 20%  AVUV - 15%  FTIHX - 20% FXNAX - 35% At 60:  VOO — 10%  SCHD - 20%  AVUV - 10%  FTIHX - 20% FXNAX - 40%

Freightliner15

Add AVUV+AVDV

lwhitephone81

\>That’s ignoring the availability, study, and analysis of the CRSP data  CRSP is a data set published in 1977 by DFA co-founder David Booth. It's maintained with a $300M "donation" by Booth to the Booth School of Business. \>that academics have used to arrived at similar conclusions. If you're suggesting other academics have validated the CRSP data, that's never happened. In fact, that dataset has never been independently validated, except with recent (1970s-) data by MSCI and others, which shows no SV premium. \>VBR is cheap and has been doing well enough.  The CRSP data says SV should outperform SG by 4% per year. Look at actual fund results and tell me if that in any way reflects reality. \>AVUV ( admittedly ex-DFA folks)  AVUV has provided increased fund cost, taxes, risk, with reduced performance vs total market. It's been great for the sellers, bad for the buyers.

davecrist

I don’t think it’s that clear. That’s ignoring the availability, study, and analysis of the CRSP data that ( evidently — I am not in finance) that academics seem to arrived at similar conclusions. I’d wager that anyone who clearly showed that there was *no* benefit to factor investing would be famous. That said, arguments that ‘crowding’ / popularity of the funds and the rise of private capital keeping ‘quality’ small companies out of the market could impact the benefit could absolutely be right. VBR is cheap and has been doing well enough. 14.25% 5yr CAGR vs 15.14% for VTI for only 7bps. AVUV ( admittedly ex-DFA folks) has done19.72% for 25bps. And VBR is based on the passive sp600 SCV index, far away from the ‘hands on approach’ that avantis/dfa do. So I think there’s something to it. Even if it’s weak or diminished, for me it keeps me doing my consistent weekly DCA when ‘just’ VTI or ‘just market weighting’ wouldn’t. We’ll see in 10 years. 🤷🏽

davecrist

It hasn’t done as well lately. US tech has just been crushing it. But I’m a huge fan is small cap value. I’m basically buying Paul’s four-fund every week except that because of my employer savings plan I am buying large blend in both US ( s&p500) and a fund close to VXUS meaning my small caps are AVUV and AVDV. If the next 20 years go like I think they will my retirement should be excellent.

Few_Ad_3557

Often the biggest drops and biggest gains are close together. The Covid crash only lasted 30 days and tons of people missed the climb out, as will a lot of people here that seem confident in their market timing skills (coin flipping). Market is down 20%. Ive been buying meta since she dipped below $600 simply because i love the earnings and future, its got a healthy p/e. Im my view small caps are finally going to have a good run and there some good values there (AVUV is mid $70’s now, vanguards got a nice small cap value etf as well) Apple worries me, as 7% of the SP500 its far too entrenched in China to do well with sparring egomaniacs running both countries economies. This might drag on the index a bit.

Hefty-Amoeba5707

Without knowing your investing time frame or your financial situation, I can only assume your investment plan is longer than 10-15 years. The longest the sp500 has stagnanated was 2000 to 2009, meaning if you had bought at 2000 and never bought again it would've taken that long to recover. Sooner if you kept investing while it was low in intervals. Of course past performance does not equal future performance but that should give you an idea. You're going through something a lot of new investors experience, and it's completely understandable to feel stressed. First of all, you didn’t make a mistake by investing—you made a smart long-term decision, even if the short-term results feel discouraging right now. Your portfolio is down about 15%, which definitely hurts, especially since you waited a long time to take the leap. But the funds you chose—VOO, FXAIX, AVUV, and SCHF—are diversified, well-respected, and historically strong performers over time. What you're experiencing is a market fear, not a permanent loss, unless you sell now. It's unfortunate that you invested near a peak, but that doesn’t mean the market won’t recover. No one can perfectly time the market. Even professional investors get it wrong. Historically, the S&P 500 has always bounced back after downturns. Right now, the best thing you can do is stay calm and avoid making emotional decisions. Selling now would lock in losses. Instead, staying invested and continually investing is giving your portfolio time to recover is usually the best move.

MitchCurry

Fuck it. Just added in my taxable account for the first time in several months. Added to my positions in MNDY (14% more shares), AVUV (7%), QQQ (7%), and VOO (6%).

JMaguire204

Most of my savings are in index funds like VTI, AVUV, NTSX. Don’t sell right? I’m 27.

davecrist

Weekly buys of 25% each of VOO, VXUS, AVUV, and AVDV

MitchCurry

Copy/paste from my earlier comment: Just added to NU (22% more shares), SAP (27%), SOFI (12%), YETI (61%), AVUV (4%), QQQ (4%), and VOO (4%). Cash position decreased from 15% of my total cost basis to 13%.

Few_Ad_3557

yes, unless you're in a taxable account and it makes sense to grab some losses now. Also, look on the bright side, this is a market correction due to a bizarre economic approach from a power hungry prez who is a reality tv show guy and a great salesman, not an economist. Our economy is solid, and we'll have a pretty good earnings season despite this mess. It won't be long until he's gone and we apologize to our trade partners for allowing a lunatic to have so much power. Being aware of trade deficits and unfair imbalances, then developing a plan with each country to phase in reasonable adjustments is how global economists (and most sixth graders) would approach this. Throwing oversimplified solutions at complex problems is the trademark of this guy, and all this will be reversed when intelligent, cooler heads prevail. And they will. Meanwhile, I'm holding all my VOO and meta, just bought AVUV and will keep pecking at small positions if we continue to dive.

Ok_Preparation_6936

I would look into a small-cap value fund. Avantis Small Cap Value (AVUV) is a fund that is trading at a good price as of now. Especially with the tariff war and the market going down, now is a good time to take advantage of good prices. Also, look into investing in an emerging markets fund.

mistresslust69

I have invested around $500 in US ETFs just before elections in January , majorly in VOO , SCHG , VGT , SOXX , XMMO , AVUV. My portfolio is 18% down. I am from India so applying the conversion rate the invested amount is neither huge nor little. I also have 250$ cash ready for DCA if needed. Can anyone who has an idea about long term prospects suggest me should I exit all or wait for some weeks and average it out ? My view is long for etfs 4-5 yr min. Any advice would be appreciated. My goal was to diversify but uncle trump is making it hard. I am a student studying in india so capital is limited for at least 2-3 years.

MitchCurry

I added to my positions in NU, SOFI, SAP, YETI, AVUV, QQQ, and VOO.

MitchCurry

Just added to NU (22% more shares), SAP (27%), SOFI (12%), YETI (61%), AVUV (4%), QQQ (4%), and VOO (4%). Cash position decreased from 15% of my total cost basis to 13%.

MitchCurry

Planning to put a bit more cash to work today than I did yesterday. Looking to add to NU (if it goes <$10), YETI, SAP, SOFI, AVUV, QQQ, and VOO. Maybe even keep adding to my starter position in GOOGL.

MitchCurry

AVUV has only been around since Sep 2019 but it is now in its largest non-COVID drawdown.

tired_ani

Topped up on everything in my Roth IRA with 1K. Index goes down 2% more will put another 1K to use. AMZN, TSM, GOOG, MSFT, ASML, AVUV, IVV Does anyone know any good Large cap Quality non-tech names at a discount?

tired_ani

Bought TSM, AMZN, GOOG, AVUV , MSFT at the open.

MitchCurry

Forgot to mention in my buys list I also added to AVUV, QQQ, and VOO 6x each. Total positions is a loaded question lol. I used to keep around 100 positions (75 in IRA and 25 in taxable), all stocks. No ETFs or mutual funds, etc. Then I had my daughter and found that it was too hard to keep up with that many so over the past 3 years I executed a plan to whittle down my positions to 25 in my IRA and 5 in my taxable. I wasn't going to just sell just to sell though so I took a targeted approach and dumped positions I no longer wanted to hold or felt the thesis had broken. I got down to 33 in my IRA and 6 in my taxable by the end of Q4'24. It's ballooned up a bit in Q1 though as I've tried to be opportunistic and add to existing positions and open new positions that I felt were well valued. So the tl;dr is I'm at 45 in my IRA now and 6 in my taxable. I have a self-imposed cap of 50 in my IRA and still have a long-term goal of getting down to 25 and 5 in my IRA by 2030.

tmrch

Looking into rebalancing some of my portfolio and adding some positions. How does that look for target allocation? Any changes (either on the positions or the percentages)?: VOO-40% VXUS- 20% SCHD- 15% AVUV- 10% VNQ- 5% Bonds- 5% Stocks- 5%

thrawness

Not sure if this is bait. I'll give it a try. Your current approach raises several concerns: 1. **Overleveraged Exposure**: Roughly 30% of your portfolio is tied up in 3x leveraged ETFs (UPRO, TQQQ, TMF, YINN). That’s a significant amount of leverage, and calling YINN your “bold bet” underplays the risk you're already carrying across the board. 2. **Illiquid Underlyings**: Selling strangles on illiquid names erodes your edge. For example, AVUV makes up nearly 9% of your portfolio, yet only three (!) options traded on Friday. Wide bid-ask spreads will eat into your potential profits and increase slippage risk. 3. **Unrealistic Goals**: Targeting a Sharpe Ratio above 1.5 is admirable—but not grounded in reality given your holdings. The volatility drag and drawdowns inherent in LETFs (Leveraged ETFs) make such a Sharpe Ratio highly unlikely, if not unattainable over time. 4. **Lack of Strategic Cohesion**: What’s the actual thesis behind your portfolio? Yeah, AI picked those ETFs for you. We know. The name you’ve chosen sounds polished, but it doesn’t reflect a clear or coherent investment strategy. Do you understand the mechanics or underlying exposures of each ETF you’re trading? “Trading Ideas” in an ETF's name doesn’t cut it as a guiding principle. 5. **Drawdowns Already Happening**: Depending on when you entered these positions, you’ve likely already experienced pain. Just last Friday: * UPRO: -6% * TQQQ: -8% * YINN: -7.3% These are not minor dips—they're warnings about how quickly risk compounds with leverage. All the best to your future trading journey!

AICHEngineer

AVNM uses a slight factor tilt screen on ex-US equities, its the same people who made AVUV. Its not a deep factor tilt like AVUV, but you get a slight tilt toward smaller, cheaper, profitable companies with a flat exclusion on high reinvestment unprofitable smaller companies. AVNM only takes on compensated market factors, under the fama french 5-factor capm. Its a relatively short life span, but in 2023 they outperformed VXUS by 2% and by 0.5% in 2024 and in 2025 YTD, and despite this has had a smaller max drawdown and a slightly higher volatility of 13.06% vs 12.95%. Despite a short lifetime, i trust in the expertise of the ex-Dimensional funda advisors employees who founded Avantis, and their track record from their other funds as well. AVNM would be a respectable, rigorous ex-US exposure choice for anyone, even for bogleheads. While fama french premia are not super strong in the US in the post GFC period, theyve still been pretty strong ex-US. A good opportunity.

MSPCSchertzer

VTI and AVUV all the way down, I am a risk taker.

Batboyo

Maybe do a split of 2-5 ways between VOO, SCHD, AVUV, T-bills, VXUS. I think you would be safe with any of those. M1 Finance is a good broker to create your own "pies" splits. M1 makes it easy to rebalance your splits (pies) yearly. SCHD and T-bills provide an ok dividend, but not high enough to live off it with 500k VOO, AVUV, and potentially VXUS can provide growth so that a part of the 500k grows faster. That way, when you want to focus on mainly divideds, you can take all that growth into SCHD/T-Bills. VOO at it's highest a few weeks ago was considered overvalued, it came down a lot so it might be a good time to buy into it, or it could potentially come down more, it's a gamble. Trying to time the market isn't a good idea. But historically, VOO does well over time. The top 500 companies in the US basically do business all over the world.

Red_Bullion

AVUV dipped way more recently so if the goal is to buy the dip there's your answer.

BurgerBandit32

Across my taxable account, I've stopped investing in VTI/VXUS/AVUV since Oct 2024 and I felt comfortable starting to invest again in AVUV today because it is down 20% from recent highs are virtually the same price as peaks in 2021.

JMaguire204

Nope. Most of my savings is in VTI/AVUV and then 10-15% in anti-beta hedges like CTA/KMLM/BTAL, then 120 MSTR shares.

xampf2

$AVUV is really not having a good time. Was outpacing $VOO at some point now it's just in the shitters. Oh well.