EMXC
iShares MSCI Emerging Markets ex China
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Freedom Index weighed emerging market ETF: FRDM
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And actually, I can be more precise in answering your first question. As far as options are concerned, SPY is what I would buy a contract for. I want to buy ex-US ETFs separately because I can buy more of one when it sinks on its own. (So no VT, but rather some EMXC, some developed ex-US.) But when choosing an options contract, that tends to be a larger chunk, so a choice needs to be made, and if I'm choosing between all of these for a larger chunk, it's SPY. (Although you guys have convinced me that buying the shares outright makes more sense than the put alternative.)
I'm in markets, just not US markets. It's true that when the US has a downturn so will the world, *to an extent*, but if we kick out Brazil, we kick out China, and they shrug and make deals between one another and thrive without us... how exposed are they, really? I don't know enough about foreign stocks so I got ETFs. * AAXJ & EMXC in Asia * EZU, FEZ (Europe's STOXX 50 top 50 companies), EWL (Switzerland), EWP (Spain) in Europe * IEFA basically "everywhere that is not America".
VTI, VXUS, VGT, AVUV, and EMXC is currently what I have in my Roth. Im trying to be more aggressive there cuz of the tax advantages. I plan to buy and hold everything essentially
Domestically, read where the utility sector is the least correlated with the broad stock market, though they’ll take a hit in a serious recession. The developed international markets (VEA, IDEV, IEFA) might have started to become uncorrelated with the U.S. market, as they were from 1950 - ‘00s. Emerging markets are a bit new and China has its own schedule so far, so could separate it (FXX, MCHI). The rest of the emerging market may depend on India’s growth, so separate it out a bit further (EMXC but Vanguard is coming out with their own version).
Yep. Just bought some 2 weeks ago. Outperforms VXUS and EMXC. Also, no exposure to Japan.
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.
You may need to split into 2 ex-US funds: a developed markets one and an emerging ex-China one. Just be aware that at minimum South Korea and Poland may be considered developed for one of the main ex-US index providers (I want to say FTSE?) while still classified as emerging from the other (if I was right before, it'd be MSCI here), so to avoid either doubling up or skipping those 2, make sure the developed and emerging funds follow an index from the same index provider. EMXC is the only ex-China emerging markets ETF I can remember off the top of my head, but I know others exist as well. For reference, EMXC uses MSCI.
VXUS is good because it’s all world so it’s a 1 stop fund kind of deal If you want to get granular then - APAC: VPL - Europe: VGK - Emerging market VWO - em ex China EMXC
ACWX - all world ex us VEO - emerging markets EMXC - emerging markets ex China (pick one EM so they don’t overlap)
I like a mix of VOO, VGT, IJS, SCF, and EMXC, say like 35:35:15:10:5
You have an opportunity here to build wealth at a young age if you play your cards right. I would allocate a majority of your funds for dollar cost averaging(DCA) into VOO, IWM and EMXC. I would stay away from China until it's clear that their property sector and luxury markets can recover. Buy at a fixed interval every few weeks or at market dips. You can use CNN fear and greed index as a rough estimate and buy when the index reaches 40 but I wouldn't take that as gospel. From that, I would allocate 10-15% to high risk or individual stocks or a new idea you think could be big in 5+ years. Just remember that individual stocks can be extremely volatile especially ones trading based mostly on hype.
* **Core Holdings (URTH, VTV, FLTR)**: These make up the bulk of the portfolio, and they provide solid exposure to global stocks, U.S. value stocks, and bonds, which is a good foundation. * **Redundancy**: ETFs like **IAU** and **GLD** both track gold, and **IGSB** and **VTIP** both cover short-term bonds, so you might simplify by choosing one of each to avoid unnecessary overlap. * **Small Allocations**: With only 4-5% allocated to the other ETFs, it may not move the needle much. You could consider consolidating these into fewer ETFs with broader coverage, such as sticking with **IEMG** for emerging markets instead of splitting it with **EMXC**.
Just an idea. 40% IEMG + 60% EMXC results in about a 25% position in India (making it the top holding) and knocks China down to 9.93%, putting China's placement under S.Korea and above Brazil.
Buy EMXC. If China is really going down, the spoils will go to its neighbours (both economic and geographic).
I recently sold EMXC at technical resistance. Will be looking to get back in for the long term though.
This seems like a solid take and makes sense to be more discerning when placing investments into volatile markets. What are your thoughts on EMXC for removing China?
I agree on international exposure, but disagree on your ETF. I think socialist developed economies like Europe and Canada are unlikely to outperform USA, so I go for EMXC (emerging markets excluding China) which gets you exposed to countries like Taiwan, South Korea, and India
> My question is if I’m limited to only selling 1 cash secured put or covered call at a time? No. For risk-management reasons you shouldn't yolo your entire net worth and take out a second mortgage on your house to write NVDA puts, but apart from that, there's no upper limit. If you want to go with 5 contracts, you can go with 5 contracts. It might make sense to diversify, though. Rather than concentrating all your money on 69 NVDA short puts, you might go for some TLT, GLD, and EMXC as well.
I, too, love etfs. In fact, VOO, AVUV, QQQM, IBIT, EMXC and SCHF are the core of my portfolio 👍
I set up a diversified portfolio mix of ETFs in one of my boomer-style accounts recently which accidentally excluded Canada. Then I realized that there are no mistakes, just happy little accidents. Fuck Canada. (US stocks via SPDR ETFs, then MSCI ETFs for Europe via IEFA, China via MCHI, emerging markets excluding China via EMXC. Basically MSCI includes Canada in their North America ETFs but SPDR is US only, so this mix includes every country in the world except Canada. Perfect.)
Quite a good analysis from someone "new", congrats! Thanks for the tip about Luxembourg vs Ireland domiciliation For the MSCI World I do think that I will take the MWRD because I can take it without commission, it's small but fairly new, in just 4 month of life they managed to get 1.122 mln For the emerging markets in these following days I will make a decision between EIMI or EMXC, can't decide if I wish to stay near or far from china
Please be aware that LCWD is a Luxembourg domiciled ETF, which means \~70% portion of the US portion of the fund is subject to the full 30% withholding tax instead of the 15% withholding tax in Ireland domiciled ETFs. Assuming \~1.3% annual dividend yield, this translates to a \~0.195% tax drag when compared to Ireland domiciled ETFs. SWRD is likely the better choice - it is Ireland domiciled, has the same TER of 0.12%, and has a larger fund size. Usual recommendation for EM ETF seems to be EIMI, which is by far the largest EM UCITS ETF. Unlike most similar ETFs, it also includes small caps. [JustETF ](https://www.justetf.com/en/search.html?search=ETFS&assetClass=class-equity®ion=Emerging%2BMarkets&sortOrder=asc&sortField=ter)shows that the one with the lowest ETF is an Amundi ETF at 0.1% TER, but it is awfully small and I don't know why. You may also consider the 2 ex-China UCITS EM ETFs - EMXC, a synthetic fund from Amundi with TER at 0.15%, and EXCH, a physical fund from iShares with TER at 0.18%.
I dumped VXUS for VEA and EMXC on moral grounds. Turns out that has so far been a winning decision.
>I use EMXC to diversify a little from US. Good luck with that -- it looks awful, just like your reading comprehension from your first reply.
not all are shit. I use EMXC to diversify a little from US. just avoid the countries for which USA prepare war
Something like EMXC, or put together a bunch of country ETFs. But just because you think a certain country's economy will grow, doesn't necessarily mean that growth will be captures by the public markets, as public companies can be a much smaller proportion of the economy and there is less stringent accounting standards and fraud protections.
EFA? EMXC if you want emerging with no Gyna
Foundational = VTI International = VGK, VPL, and EMXC. (Basically VXUS with no China). Growth: QQQM, VUG Value: SCHD (technically a dividend fund but works great as a value fund) Small-Mid Cap: VO, AVUV
VEA might be better to hold if you don’t want emerging markets. Reason: VEA uses the FTSE index and IDEV uses the MSCI index, which appears to be broader. FTSE considers South Korea a developed market, whereas MSCI considers it an emerging market. Samsung (South Korean) is among VEA’s top holdings but not IDEV’s. So if you held IDEV, you’d need EMXC too if you wanted South Korea exposure. I’d go with VEA if you don’t want EM.
EMXC is emerging markets minus China. If you buy it, you’ll want to own IDEV instead of VEA, because their holdings are slightly different and IDEV is meant to be owned with EMXC.
Thanks! Is there any difference between VEA and IDEV? Is EMXC considered to be very risky ?
Look at IDEV and EMXC.
EMXC. You can't trust them . Never know they may close a company that you own tomorrow bcoz xitler doesn't like it
Thanks, I'm in a pretty high tax bracket and live in CA. I was looking at VCLT and BONDX (international bonds) as well as some CA specific municpals. I liked VB as well, and have it on my list as well as VO for mid cap. For international I am actually currently invested in EMXC (good returns so far!), but was trying to keep it in Vangaurd so I was looking at VXUS as well as VSS.
If you aren't in the top tax bracket you don't need munis. I would do VT and VCLT ( VCIT if you think inflation is a longer term problem ) I would bump up small caps VB and for international exposure I would use EMXC, VYMI and/or VSS
*I'd appreciate any critique of my plan* Primarily, I think your plan is fine. I think you already know this, but AVDE isn't a small cap fund - it's a small cap/factor tilted ex-US fund. Hence, your net allocation will still be large cap-tilted significantly. I don't think that's really a big deal - due to the broader correlation of the entire market, I don't think you're really missing out on much. Your proposal is broadly diversified, with international exposure. There is a domestic tilt, but I think that is entirely reasonable for currency reasons - you (probably) can't pay your rent in USD or EUR. You get my Boglehead seal of approval, if that's what you're looking for. *Why AVDE? I like how it's not too correlated with the S&P500* This isn't true. AVDE has a 0.9 correlation with S&P500/VOO. VXUS (total world international) has a 0.86 correlation. VEA (ex-US developed markets) has a 0.90 correlation. None of these are particularly more uncorrelated than the others, and they're all correlated with S&P500. *No Emerging Markets? \[...\] I consider them high risk due to opacity and corruption.* Although I'm not going to try to convince you to invest in something you're uncomfortable with... what you're saying is not a secret. Everyone knows that emerging markets have transparency issues, corruption issues, nationalization issues, etc. That's already priced into the market. It's why the PE ratio of emerging market funds approaches 10 - the market isn't expecting significant future earnings growth. Assets do not need to do exceptionally well to have an outsized return - they merely need to do better than expected. If you really dislike investing in China, there are ex-China emerging market ETFs (EMXC).
That looks pretty good to me. Avantis is good. Switching VOO to VTI isn't a lot of effort, but if it creates a tax headache for you, I get not making the change. If you want the small cap exposure, you might consider AVUV (although I appreciate you're trying to keep it simple). If you want emerging market exposure without China, there are a few funds that offer that (EMXC, e.g.)
>There are lots of active managers who beat the S&P 500 over specific windows of time. VLCAX is an index fund. It can actually be said that S&P 500 is actually more actively managed than VLCAX is, due to S&P having a human element (this actually caused an issue with Tesla a few years back, which may actually explain at least part of the difference: VLCAX was able to hold Tesla longer due to not having that S&P human element, by the time Tesla did enter the S&P 500 it was big enough to be a top 20 stock). >I really don’t understand your spiel here other than, “everyone should invest in Vanguard based international funds” Doesn't need to be Vanguard (I don't use Vanguard funds myself). Just that it seems the best research we have available does seem to support an ex-US position and that revenue source isn't what matters. >and go see pwlcapital.com and bogleheads Those are used to try and counter certain arguments against having ex-US holdings. >Sure enough it is even possible to avoid over diversification with a 3 fund portfolio. Did I claim it wasn’t? I’m pretty sure the point I WAS making is that over diversification leads to watered down returns. You brought up over diversification in the first place in a thread talking about FFNOX, which is essentially just the 3 fund portfolio. A fully diversified portfolio will always have under performing parts, but which posts those are will change from time to time. Even bonds have had 20 year runs where they beat stocks. >I see, so if Germany has a recession and people stop drinking as much Coke then KO won’t have a decline in revenue as a result. Gotcha. >You have some really bizarre and broken ideas about how things work. But I am going to do myself a favor here and ignore the rest of your crazy theories and bring us back to what matters. It seems you either didn't go over what those links said about the topic or failed to understand it. >I cannot slide my timeline or the OP’s timeline I don’t time travel just yet. All you have to do is imagine the table in that link has a cutoff date a few years earlier. You look at annual returns for 2018 through the end of April 2019 for example, remove them, and you get a 60+ year timeline where 70% S&P 500 + 30% MSCI ACWI would have beat a 100% S&P 500 portfolio. >We both have timelines from today until 10-30 years from now I am guessing and so does everyone else with the exception of you maybe. So you are just spamming meaningless links based on theory which does nothing more than waste everyone’s time. My kinks should help show that you can't product the future using past returns and that it can easily be better to hold a mix of US and ex-US than only US. That the US isn't always best. >The only thing which might matter is how frequently your real world index fund or funds outperform the S&P 500 over windows from 10 to 30 years. * Of rolling 10 year periods since 1970, EAFE (developed ex-US) has beat the S&P 500 over 45% of the time: https://www.tweedy.com/resources/library_docs/papers/Dichotomy%20Btwn%20US%20and%20Non-US%20Mar2022.pdf (PDF) or for the archived version: https://web.archive.org/web/20220501183228/https://www.tweedy.com/resources/library_docs/papers/Dichotomy%20Btwn%20US%20and%20Non-US%20Mar2022.pdf That's basically a coin flip. >The BRICS are in trouble due to Russia’s belligerence and China’s epic authoritarian stupidity. Heck of a thing to tell someone to invest their money in Russia or China now. Emerging markets (which at least most of those are) combined are only 10% of a global market cap weighted portfolio. Russia hasn't been tradable for over a year now I believe, even with that, 2022 (the year it happened) favored ex-US over the US. If that S is for South Africa, interestingly they've had some of the best 100+ year returns. If someone wanted to avoid emerging markets, they could go developed markets only easily enough. Or there's a few ex-US ex-China emerging funds like EMXC. >you can give me a 60%+ chance of beating the S&P 500 then I’d be interested. But it has to be significantly better because of the current state of the world and that’s the reason it needs to beat the S&P 500 60% of the time. Where is this 60% coming from? We've got developed ex-US having a history of being pretty close to a coin flip. Factor investing favors smaller caps and value. The "timeline shifting" mention was to try and help show that yes, adding ex-US could increase overall returns (not just risk adjusted) over a 60+ year timeline when compared to 100% US.
I'd avoid exposure to China. Foreigners' equity "ownership" means very little. Go EMXC over VWO
Me personally, with the SP coming off a huge run, sitting at 25x earnings. I'd do 60% VT, 20% VB, 10% VSS, 10% EMXC Don't sleep on fixed income though. Mixing VCLT, USHY and EDV can yield 7.5%, and keep your powder dry in a correction if the Fed has to force rates back to zero.
I invested in EMXC. I honestly didn't do a deep investigation of the fund, but no China and no crazy expense ratio. So better to look deeper of you want to invest more than gambling money
EM's been doing nothing since 2008. So now it's the time to shine! EMXC
A popular broad one is Vanguard's VWO, but for the record I'm not trying to predict any "comebacks." Some like to exclude China, for which there's EMXC. Another interesting one is XSOE which aims to exclude "state owned enterprises." Some interesting research from WisdomTree on that topic. And then of course there are factor-focused funds like Avantis's AVEM which screens for earnings and tilts Value.
Consider adding 1% positions in something like SPDW, EMXC, and USIG. These will give you some non-us and overall diversification without adding a lot of risk (due to limited position size). 5% is not bad. Remember that's at very low risk, in practice virtually 0. Consider moving out on the yield curve just a bit, so you can get 5.3 to 5.4% on your cash. Over a period of years, the compounding effect adds up, so .4% is significant over the long run. If you did just this, I think you'd be fine. I don't think you should feel you have to make changes because you feel your missing out. It's irresponsible to give specific advice without knowing your full situation, so take this as an idea for your research. You never need to do anything in regards to investing in an urgent rush. And NEVER buy anything that you don't fully understand. You can always seek out professional advice as the other user mentioned if you feel it's too much.
There's developed market only funds that would ignore China. IF you want other emerging countries still, there's EMXC. >Personally I don’t really want any extra China exposure. What do you mean "extra China exposure"? VTI has none at all, as it is a US only fund.
Appreciate the deeper dive on vol forecasting and the detailed trade management plan, as previous discussed. However, you have "PA forecast" again, without explanation. Question: > This is the IV/RV ratio for KWEB. When the IV/RV ratio is greater than 1, options are expensive, and there is a risk premium. Timeframes? Is that IV30? IV90? Same question for RV, how far does that look back? In general, a sidebar about how the IV/RV is calculated, and a reminder that IV is forward-looking while RV is rearview, would be helpful. That will call attention to the fact that both numbers are functions of time. Good luck on the trade and thanks! Also good to see some love for FXI. I prefer FXI to KWEB, if for no other reason than it's an iShares product and iShares also has EMXC.
I've read most of the comments. Mostly on point. A couple of picky details for my take: Your fixed income portfolio is in the Fidelity US Bond Index Fund. As far as bond funds go, this Fidelity one is pretty reasonable (fees, quality of management, etc.) The weighed average maturity for this fund is 8.60 years, so relatively long duration. If you held this fund in 2021-2022, you saw your account 'trimmed' by 30%. Ouch. If you just got in at the beginning of 2023, then you're probably stable to slightly increased in NAV. Bond funds (particularly long-dated ones) will decrease in value with an increase in interest rates. If you think that interest rates will decrease in the next 8.6 years, then a bond fund is probably OK. If you think that interest rates may go \*higher\* in the next 8.6 years, then you are assuming interest rate risk for your bond fund-the same risk that wiped 30% off of the value over the preceding 2 years. Because I don't like guessing what interest rates may or may not be in 8 years, I'd either go with INDIVIDUAL bonds / CDs laddered out to 5-6 years. Hold them to maturity and you'll avoid the mandated reinvestment / turnover in bond funds and therefore avoid the interest rate risk in the outyears that you assume in a bond fund vs. individual bonds. I notice that you also have Blackrock Equity Index class R. Have you compared the costs of that fund with just owning the SPY or other large cap index? Usually these 'proprietary' large cap funds aren't worth the fees. You have a (small) real estate index fund in your portfolio. Real estate has been, and will continue to be IMO, a 'tricky' place to be for the next few years. Some CRE (commercial) funds have been beaten about the head and neck, others have done OK-ish, but not great. Personally, I am wary about real estate index funds. Know what you own and why you own it. While there is some benefit in diversification, diversifying into some riskier funds reduces the benefits therein. Just because you're 'supposed to' have 30% in bonds / fixed income in a model 70:30 portfolio doesn't mean that 30% should be in a BOND FUND (versus individual bonds). Similarly, while some pundits call for diversification into real estate / gold / precious metals / artwork / international funds, etc. doesn't mean those fit your investment profile or comfort level. Example: any 'international' equity index fund that I have cannot have / shall not have any China exposure. My rule. I want 0.0% exposure to all things China. Most international equity index funds have more than 0.0% Chinese exposure, so I would put my international equity funds in something like EMXC which explicitly avoids them. Finally, I'll echo what many others have said. You're in a good place for your goal at your age. Well done! Continue to contribute as much as you can, as long as you can. Educating oneself about investments and savings is truly a lifelong endeavor.
Put a small part of your portfolio in EMXC if you think the dollars role as reserve currency is ending.
>that are 5 star graded I'd put zero trust in the star ratings. >FFFGX FIOFX will be a target date fund that is far cheaper since it is index based, and would only be about 3.2% China combated to 4.3% China. >that has a lot of exposure to China, 4% isn't all that much to me, but ok. >and person X is looking to move that money in fidelity to either a mutual fund or actively managed ETF— which mutual fund or ETF’s would ya’ll recommend FSKAX + FSPSX + EMXC should be 0% China but cover everything else.
For international I like VEA (developed) + EMXC (emerging excluding China) simply because China’s stock governance and government in general does not align with my interests. Granted this is a questionable decision.
Possibly, but a lot risker too. I split my emerging market exposure between VWO, AVES, EMXC and DGS to control my cap exposure, value exposure, and limit my exposure to China.
I’m gonna try my luck with EMXC. Only 5% of my port, with VTI as 70%. I’ll let you know in 40 years which does better.
I've been thinking the same thing. People often buy VXUS as easy diversification (the Boglehead strategy), but as you say bad markets weigh it down. There are a few alternative strategies you could pursue: * You could buy ex-US small caps instead. IIRC they have lower correlation with VTI (so more diversification) and out-perform VXUS. Popular options are VSS or AVDV. Downside: higher expense ratio and unclear whether they will continue to outperform VXUS in the future. * You could buy individual markets. INDA for India for example. This way you can invest in markets you think will grow and avoid markets you think will not. Others like to weigh towards developed markets (VEA) or emerging markets (VWO, or EMXC if you want to exclude China). * Finally, some investors will take the risk of buying individual companies, like Alibaba, and forget about international index investing I'll venture to say that most of the investors here don't think about international allocation too much because the US market is largely seen as the most profitable and so they just put some money into VXUS for "diversification". Historically, international did better than US during 2000-2010 and 1970s; it's possible international will outperform US in the future, but this outperformance might be concentrated in a particular market (like Japan during the 70s and 80s) and so you'll have to hope you're correctly guessing what this market will be.
For your non gambling etf accounts: VT for US, VEA for developed markets, EMXC for emerging without China.
>If anyone has a good idea for how to do low expense ratio international investing that weighs China a bit less VEA is developed only. EMXC is emerging except China, but at a 0.25% net ER (global market cap weights would put emerging even with China at 10% or so, so while it is pricier, weighted it might not be terrible).
Well US indices will obviously have no chinese stocks. So S&P500, vti, no chinese stocks. If you want emerging markets, the something line EMXC is good. If you want more total international exposure similar to VXUS minus china, then you will have to do two funds. A developed markets ETF like VEA, and an emerging markets minus china like EMXC. Looks like VXUS is around 25% emerging markets so you could do 75 VEA, 25% EMXC.
You didn’t specify in your post, but I presume you’re specifically looking for an international exposure ETF without China exposure. I’m aiming to restructure my portfolio soon and plan to use EMXC for my international exposure minus China. EMXC is literally “emerging market ex China” so it shouldn’t be “low” China investments, it should be no direct investment. If you literally just want any ETF minus China, just do an S&P500 fund like SPY or something. My new target portfolio is extremely US heavy so I didn’t spend a ton of time not picky between the small number of foreign ministers China option. Honest truth is I use Fidelity and they have a partnership with BlackRock that makes the iShares ETFs an easy, accessible option.
This is part of why my international is [VGMTX](https://investor.vanguard.com/mutual-funds/profile/VTMGX) and [EMXC](https://www.ishares.com/us/products/288504/ishares-msci-emerging-markets-ex-china-etf). The other part for me is moral. I'm just not going out of my way to put money into totalitarian governments right now.
Although EMXC and KEMX have the same expense ratio, I would strongly favor EMXC for it's $2 billion in assets. The much smaller KEMC with just $30M could be annoying to trade on markets owing to lack of liquidity, and also has a higher risk of closing. https://etfdb.com/etf/KEMX/#etf-ticker-profile
With $2B in assets, they could lower the ER a bit. Here is iShares Emerging Markets ex China and their overall emerging markets ETF: https://etfdb.com/etf/EMXC/#etf-ticker-profile [https://etfdb.com/etf/IEMG/#etf-ticker-profile](https://etfdb.com/etf/IEMG/#etf-ticker-profile)
EMXC is what you are looking for.
There are a few ETFs which focuses on emerging markets excluding China. A quick search gives EMXC and KEMX. There are also ETFs which excludes countries with low ranking in freedom indices (so Russia is also out). One example is FRDM. And of course, since China is an emerging market you can avoid it by avoiding the whole emerging markets and invest only in developed markets. VTI+VEA will do the trick.
Comparing to the last ten years is a bit disingenuous given EM clobbered the S&P and developed markets in the 2000s. And even if one doesn't want the risk of Chinese investments, there is always ETFs like EMXC that mimic VWO without Chinese holdings. 60% of its holdings are from Taiwan, India and South Korea, which are all hardly autocratic governments. Even if it's just VT, I think some emerging markets exposure is worth it.
I wonder if the trading halt will extend to emerging market index funds with some Russian equity exposure? I've been monitoring a couple (EMXC, EEM) and they've been hitting 52-week lows every day. https://etfdb.com/country/russia/
And this is exactly what china can do as well. This is why all my foreign investments avoid china and Russia. *(FRDM and EMXC)
I have international equities with 15% of my portfolio in EMXC, but I refuse to invest in China for various reasons.
VTI + VXUS or just get VT if you're going international, I also like VWO and EMXC
I am amazed that you put this much time into creating this portfolio while spending a lot of time thinking through the climate change piece but not giving enough thought to the geopolitical situation in the world. You gave a lot of exposure to china and Russia - when it is likely they become our biggest adversaries. If the war eventually breaks out - it might not matter whats in your portfolio as the other 80 % of your portfolio will be hurt so much that your china and russia stocks won't help you much. But if the climate change plays out the way you think it will it will be devastating to chinas ability to continue to print money by destroying the environment. So if I were you i would decide - do you really believe in the climate change narrative? If yes avoid China. *(FRDM and EMXC are good adds to this portfolio.) But if you think china will continue to grow then the environment will be destroyed a d it may not matter *(based on your description at the start.
For your international exposure......consider EMXC and FRDM Emerging markets not including china. No offense meant towards China. But i dont trust their govt and I feel if you are investing for the very long term horizon - it is best to avoid China. They are our enemy and their stocks will see some major negative pressure at some point during your 15 to 20 plus year time horizon. Maybe not be in 2025 but it will happen in the next 25 years.
Before you do your 2021 taxes be sure to max out a Roth IRA. *(if you are under 49 yr old the max should be $6000) but you can still do that between now and the time you file your 2021 taxes and that money can grow 100% tax free until you retire. If you start an account like at fidelity for example - it takes about 15 minutes to set up the whole process. This month is a great month to start since all stocks are on sale right now. *(there has been a 10% "correction" where the stock market as a whole has been dipping to recent lows not seen in months so it's like the stocks you buy are on discount.) If you are not sure what to invest in right now......you could start with 20% QQQ 20% VOO 20% VONE AND 20% EMXC AND 20% VXUS and you would have a nice diversified portfolio - slightly heavy in tech but tech is on sale......and 40% to international stocks. ***note - I am not a financial advisor. Please do your own due diligence and invest wisely. Investing comes with risks.
Dont be afraid to look at EMXC and FRDM both are international emerging markets minus china China is not our friend and the evergrande collapse is on going. They might /could / should face a bear market worse than ours over the next few years. And you never know when the ccp will pull the rug / Pull the wool depending your perspective - one of those terms applies. China is very dangerous if you are investing long term. I am not a huge fan of Criptoe currency. But I think I trust criptoe about as much as I trust china stocks.
That’s why I left VXUS and went to VEA and EMXC. No China, thank you.
>Pick five growth companies at random... and I'll look up their financials. I went to forbes and searched the top 100 fastest growing companies - then i ran a random number generator - which produced the following results: \#83 Market Axxess Holdings \#10 AMD - Advanced Micro Devices \#39 Harbor One bancorp \#67 IES Holdings \#22 Medifast I am actually very interested in this conversation and hope you really will follow up with results - I promise results are 100% random. I was thinking about changing up my portfolio some since my current model is shit the past couple months. If there are growth stocks with good debt to equity ratios that make more sense in an environment where fed is raising rates - Maybe I need to move some assets in that direction. \*(Right now I am about 80% in ETFs - but only like 10% in Spy, 10% in QQQ, 10% in EMXC, 10% in VEA, 10% in VONE, 10% in QABA, 10% in XLE, etc etc - spread over alot of different ETFs - and not working since november) Only things I have that are green are a few hundred shares of Ford and a couple thousand in USO (US OIL)
If you want to diversify into emerging markets, excluding China, more generally I'd strongly recommend EMXC. It is the only EM etf without China that has enough volume to be viable for a portfolio. India is heavily weighted in it, essentially replacing China - not a bad switch given India has roughly the same size population but far more growth ahead. It will also get you into quite a number of other Emerging Markets as well.
This is all based on what is available on US exchanges. EMXC and FM will give you access to virtually all emerging and frontier markets - beware the risks. I like EMXC because it excludes China, which is my preference right now. VWO is best if you want China as a major component. As for FM, it's the only frontier market etf on US exchanges. It has a high yield and has been pretty steady. EMXC and FM are both lower volume, but not to the point of being a big issue unless you're looking at considerable sums of money. You can also invest in country specific etfs; EWW is the largest volume Mexico-specific etf. Virtually all etfs that are country specific are from Blackrock (iShares). [Blackrock EWW Mexico ETF](https://www.ishares.com/us/products/239670/ishares-msci-mexico-capped-etf). Regional specific etfs exist as well. AFK for Africa (disproportionately South Africa & Nigeria). ILF offers the biggest Latin American stocks. ASEA for Southeast Asia (disproportionately Vietnam - which is good, imo, though not enough Singapore...). EZU for the European Union. I'd suggest pursuing etf options, particularly if you aren't especially knowledgeable about which countries offer the best options at the least risk. ​ As for your specific country choices, Mexico is rather risky as a single country investment (though could do well). I wouldn't add it alone, and I'd take only a small position if you are really deadset on it. There is also a Greece-specific one which... well, it's your money... AFK has a really high yield for Africa, though I'd recommend just going with FM if you really want African and other frontier markets.
In case you are interested in a more easy, diversified approach I'd suggest EMXC. Picking stocks at IPOs seems a lot more like you want to trade these.
Trading in my VWO for a nice EMXC.
> EM currency/stock will get hotter. EMXC !! Never underestimate the power of the CCP...
Pick stocks you are comfortable with ​ \- I am comfortable with S&P500, QQQ and a dash of MIDU, and some small cap ETFs and some EMXC, maybe 10% VXUS and 10% Criptoe.
If you did 8 - \*($25K in each of) Growth = QQQ, VTI, VXUS, EMXC (Yes there's some overlap in QQQ and VTI) Dividends = QYLD, RYLD, XYLD, VNQ You'd average about $900 per month in dividends and double your money every 8 or 9 years if the stock market does what it normally does. \- (NOT FINANCIAL ADVICE - do your own research or get a financial advisor if you feel the need - the stock market comes with significant risk.) \*(Note - recommend to put the Dividend fund into a taxable account - ' For the dividend accounts - use your taxable brokerage accounts because if you are going to use the dividend money as extra spending money each month - you need to have access and pay taxes on it. For the growth stocks - you still have time now - you can max out a Roth or Traditional IRA for 2021 \*($6k max) - and you can do that up until tax day around april 15th) and you can do another $6K on / or / after Jan 1st - and count it as your 2022 contribution. you should also do a 401K for 2021. if your employer offers one - max it out. \*about $19,500 for 2021 - that makes it tax free growth - and after January 1st you can do another $20,500 for 2022. Just keep in mind that means all this money is relatively untouchable until you turn 59 - you have to leave the money in the IRA or the 401K tax free - if you take it out before your turn 59 - you will pay some significant tax penalties - unless you have a significant life event like - buying a home you will live in, or having a child or something like that there is a list of "significant life events" that qualify and allow you to withdraw. If you do all this on fidelity - you can have all the account on there - and you can keep track of everything pretty simply. When you set up your account - call customer service they will walk you through all the different types of accounts and answer your questions. They are not officially your "financial advisor" unless you sign up for a service. But they will help you understand the basics
Try EMXC, XCEM, ECOW, FRDM, KEMX, FM, or EMFM depending on your personal tastes. Note however that in a lot of countries there is no such thing as publicly traded companies. Depending on the place, almost all companies are either state owned or privately owned. So your not getting a fair cross-sectional representation of the actual economy in the nation. Not finical advice. Do your own research.
>50% of my portfolio is BABA......and I believe in the company long term Please realize - the CCCP controls Chinese companies. When you buy into Chinese companies you are supporting our enemies in a possible future war with China. And you are trusting the CCCCP won't just pull the rug completely and take your money. I invest in EMXC (emerging markets minus china) because between evergrande and CCCP influence - I do not want any money in the chinese stocks. Add in my personal beliefs, and i would just as soon break even on US owned REIT dividends than to give money to help china succeed in their long term goals. ***Not financial advice.*** This is patriotic advice. If you love murica and freedom - feel free to sell your baba stocks at a loss and invest in america. Because China is already getting all our money from amazon and dollar tree and apple every damned day. no reason to give them another 10% of your $12,000 on top of that.
It is just going to make it kore complicated if you have a vanguard and a fidelity and some other account. You can only contribute $6000 max to all your IRAs combined per year. So just have one IRA and dont try to create multiple accounts on various sites. If you want a vanguard s+p500......u can buy voo on fidelity the same as vanguard. If you want international exposure.....go with VXUS. Thats all the best companies in the world except the USA. (I also like EMXC - *(thats emerging markets not including china) i am trying to lessen exposure to china because i dont trust their market right now.) So for my international ecposire i have 40% vxus. 40% emxc and 20% split amongst msci funds to several countries.....nordic, finland, germany, etc.
If you don’t like investing in China but want international, check out VEA (developed) and EMXC (emerging without China).
EMXC is another possible fund if you want to avoid China.
VXUS is 75% VEA and 25% VWO. So use one or the other to tilt your international. Or consider EMXC if you want emerging markets without China, which right now is dragging down emerging markets.
I'm drunk and was going to go to sleep. All the same, here you go: >KEMX tracks the investment results of an index focused on large-cap and mid-cap companies within emerging market countries, excluding China. [https://www.etf.com/KEMX](https://www.etf.com/KEMX) ​ >XCEM tracks a market-cap-weighted index that provides broad equity exposure to emerging markets excluding China. [https://www.etf.com/XCEM](https://www.etf.com/XCEM) ​ >FDRM tracks an index that selects and weights exposure to emerging market equities based on personal and economic freedom metrics. [https://www.etf.com/FRDM](https://www.etf.com/FRDM) ​ >EMXC tracks a market-cap- weighted index of emerging-market firms, excluding China. The index covers 85% of the universe by market cap. [https://www.etf.com/EMXC](https://www.etf.com/EMXC) ​ Oh, and some reading for you to do: [https://www.etf.com/publications/etfr/emerging-markets-without-china](https://www.etf.com/publications/etfr/emerging-markets-without-china)
I'm in EMXC as my emerging markets position. China doesn't have a functioning stock exchange where foreigners are concerned. Economies like India are more investable for foreigners than Chinese stocks. I am hesitant to put my money in any economy that doesn't have a functioning market. I am sure some of the countries in EMXC fit that description but they make up a small proportion of the overall pie. If you invest in emerging market ETFs, the majority have huge Chinese positions. Investing in individual Chinese stocks seems mad. There is little transparency and the government can and has tanked any company or sector that crosses it.
Agreed. I get downvoted all the time by the Bogleheads for this. I sold all my VXUS and bought more VTI because it just wasn’t performing. VXUS and VTIAX are 75% developing economies (VEA) and 25% emerging market (VWO). China is bringing the emerging markets down. I also think the global supply chain issues affect us all. I still have my VEA and I have EMXC, which is emerging markets without China. It outperforms VXUS for that reason.
EMXC is emerging except China and DGS for small cap value
EMXC, emerging markets minus China. I can't bring myself to prop up the CCP so that's where all my share of emerging markets goes.
I go with IEMG. Many here are concerned about China, if you share that concern a mix of IEMG and EMXC (emerging markets minus China) is worth considering.