AVUV

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.

murpium

My recurring buys in my Roth are 40% VOO, 15% SMH, 15% VXUS, 15% AVUV, 10% AVDV, 5% IAUM. For cash brokerage it’s 40% VTI, 25% VXUS, 20% AVUV, 15% AVDV.

Nestado

You can't have enough of dividends and companies that regularly pay and increase dividends every year are the most stable companies in my book. I went with SCHD since it has the least amount of overlap by weight with VOO and low P/E ratio. I also consider SCHD methodology to be superior than what's most on the market. Another great addition is AVUV and to a less extent, AVDV. But no need to overcomplicate.

iamNotLyingMan

Add some PPA SMH AVLV AVUV AVUS Should cover everything

Tentman66

SCHX is my core holding. Like it better than VOO because it does hold some mid caps. I do 50-50 on SCHG and SOXQ instead of all SCHG. AVUV is a good small cap. I like VYMI over VXUS for international exposure 

ViolaSwag

Personally I have a small allocation in AVUV for this exact reason. I worry about the extreme concentration in mega-cap growth tech stocks in the S&P 500 and even broad-spectrum index funds like VTI. My understanding is that small cap value stocks like AVUV will still largely correlate with the overall market, but they are more exposed to different types of risk and so there might be some scenarios where their performance differs from the large cap growth stocks that dominate most index funds. All that being said, I’m not sure what to expect in the near term this decade

MitchCurry

Just added to MELI (3% more shares), NOW (29%), NU (9%), UBER (36%), TOST (20%), AVDV (8%), AVUV (2%), QQQ (2%), and VOO (2%).

SerMumble

Best time to be buying SCHG is when the market is considerably down like due to the Iran war. It sucks buying SCHG when it is at all time highs. Healthcare and financials have had very poor growth in the past year and it is what makes SCHG look so dissapointing especially compared to growth funds that are more concentrated in tech. If healthcare and financials outperform tech, that's when SCHG shines. 100% growth like SCHG will have high volatility. It can get rough right now because SCHG is down around 10% and still has maybe 10-20% left to drop before it bounces back. I'm using Russia's war with Ukraine in 2022 for a worst case comparison. In the future, if you're very critical of managing your portfolio, some diversity could help. SCHD, AVUV, international value are some obvious ones counterbalances for different opportunities. SCHD is great to collect in a cooling off market from a hot bull run. International is great to collect during a global war or weakening US dollar. AVUV is just random and nice to buy whenever it drops hard. It gives options so you're not forced to buy only SCHG when it is at its most expensive. But this can be pretty complicated. Simpler portfolios can be better. For simplicity for my ROTH IRA, I do 50/50 SWPPX/SWLGX and auto buy weekly.

Sirspender

I own two things in my retirement and brokerage account. AVUV and IXUS. This, on top of my 401k target date fund has me covered and I have no stop losses because this is money for 30 years from now.

Key_Lifeguard_8659

Oh, AVEM, not AVUV

Key_Lifeguard_8659

A little AVUV and XAR. Both were showing oversold and at a decent price. I wanted to buy defense stocks, but figured it's easier, and safer to buy then in a basket. Oh, also increased my SOXQ position a little. Love Semis ❤️

bizaromax

TFSA (keeping AVDV because I have some US$) CAUS.TO 25% CACE.TO 20% CADE.TO 16% CAEM.TO 14% CAUV.TO 13% AVDV.NY 7% CASV.TO 5% ———————————— RRSP DFAC.NY 35% CACE.TO 15% DFIC.NY 16% DFEM.NY 14% AVUV.NY 10% AVDV.NY 10% ——————————— Non-registered HXS.TO 25% HXCN.TO 25% HXDM.TO 16% HXEM.TO 14% TNZ.TO 10% PNG.V 10%

X0036AU2XH

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

X0036AU2XH

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

Electronic_Bee3134

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

Moldovah

Honestly? 50% AVUV/50% AVDV.

X0036AU2XH

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

kevron007

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

jadhavvv

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

OriginalTouch6371

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

tired_ani

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

456M

Small cap value. AVUV & AVDV.

ETFNavigatorPro

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

moiax

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

Ocampo-Mark

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

Top-Albatross-5295

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

Top-Albatross-5295

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

drew-gen-x

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

RiskAdjustedView

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

MrMathamagician

AVUV

Moldovah

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

Boou91

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

Moldovah

Tbf, AVUV is still doing pretty great.

Boou91

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

MitchCurry

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

tired_ani

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

MitchCurry

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

ekdms

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

Lumpy_Attempt_6280

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

Lumpy_Attempt_6280

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

rpv123

Still learning - is AVUV being down related to tarrifs?

the_humeister

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

Str8truth

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

m0n3ym4n

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

ServerTechie

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

meathead13_

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

BrianMX34

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

ServerTechie

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

CursedClownz

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

Wrong-Stage-2287

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

DigitalDensity

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

SeaGooseRun

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

456M

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

moiax

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

rayb320

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

deadlyvagina

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

patricktu1258

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

Ok_Platypus_1845

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

MitchCurry

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

Same_Bag711

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

polishinator

AVUV up ;)

456M

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

polishinator

mah AVUV doin good

MONGSTRADAMUS

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

MONGSTRADAMUS

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

MONGSTRADAMUS

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

lordturdhead

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

wandererarkhamknight

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

Jakob0324

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

MaximumCarnage88

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

Moldovah

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

ciferite

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

ciferite

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

CapeMOGuy

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

Moldovah

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

Emotional-Power-7242

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

ServerTechie

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

ServerTechie

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

BeneficialQuality899

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

Emotional-Power-7242

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

BeneficialQuality899

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

ServerTechie

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

AICHEngineer

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

RabbitHoleSnorkle

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

WinterBlues00

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

Bubbly-Hope6968

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