FRDM
Freedom 100 Emerging Markets ETF
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Thoughts on the Freedom 100 Emerging Markets ETF (FRDM)?
We need to upgrade ESG Standarts to avoid investments in countries with low democracy (Russia/ China)
Freedom Index weighed emerging market ETF: FRDM
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The particular managed ETF he is recommending (FRDM) is up 114% in the past 5 years which is better that the s&p, and greatly outperforms most EM trackers, which is why I think the performance is impressive. I agree that in general, EM trackers are not very high performing but that this managed fund seems to be a bit of a standout.
I do own FRDM and think it's a sensible thesis. The best performers should come from countries with less corruption siphoning off the profits.
1. Most conservative "set and forget" (bogleheads): 100% VT 2. Conservative with heavy Value Tilt: 60 VT 40 AVGV (or choose your own percentages) 3. Aggressive multi-factor tilt (Value/Momentum): 40 AVGV 30 VT 20 FMTM 10 FRDM 4. Most aggressive (Value/Momentum) - 100% multi factor: 50 AVGV 30 FMTM 10 IDMO 10 FRDM Cheaper "passive" alternatives: FRDM to AVES and FMTM to SPMO Only factor tilt if you believe in factors. There will be years of underperformance for hopefully small bursts of high premiums (if you stay the course without panic selling).
1. Most conservative "set and forget" (bogleheads): 100% VT 2. Conservative with heavy Value Tilt: 60 VT 40 AVGV (or choose your own percentages) 3. Aggressive multi-factor tilt (Value/Momentum): 40 AVGV 30 VT 20 FMTM 10 FRDM 4. Most aggressive (Value/Momentum) - 100% multi factor: 50 AVGV 30 FMTM 10 IDMO 10 FRDM Cheaper "passive" alternatives: FRDM to AVES and FMTM to SPMO Only factor tilt if you believe in factors. There will be years of underperformance for hopefully small bursts of high premiums (if you stay the course without panic selling).
If you're interested set and forget: 100% VT etf If you want value factor tilt: 60% VT 40% AVGV If you want more risk, this is my current portfolio: 40% AVGV 30% VT 20% FMTM 10% FRDM
EXMC and FRDM are up 60% and 75% respectively in the past year. I’m by no means rooting against the US stock market, but I would expect an active advisor to rotate more heavily into international in the past 16 months.
I think if I were investing for a child now - I would consider that international has periods of out-performance. Surely USA(sp500) has been great the past 15 years. But - over the past year - international funds have outperformed USA only. I would consider allocating a portion to international. (What you are already doing is great! Keep doing it!) If you want good ETFs for international exposure - I like FRDM IEFA and XCEM If it were me(and it will be soon for my grandkids in a few years) - I plan to do: 10% FRDM 10% IEFA 10% XCEM 70% sp500 (fxaix is a great choice) - note.... if you are curious all my funds I recommended were funds that don't include china. I am very anti-china when it comes to VERY long term investing. (100% chance - China will be a BIG problem with us relations before your son retires.)
I’d rather stick with AVDE + FRDM tbh. No china exposure with less Japan than AVNM & more Taiwan & South Korea
I chose FRDM over AVEM for the exclusion of china tbh. Also AVDV is up so much because gold is up so much, a majority of that fund is mining companies
I bought into FRDM and I was up 20% within a week. Absolutely insane
Still dumb. If you want sp500 go SPYM for the lowest expense ratio (But hedge it with some international funds like FRDM and IEFA)
Thanks, and you're welcome. You're right, you can't get into EWY with that. I'm also in DXJ, but you can't afford that either. So let me tell you something I don't usually tell beginners: It's okay to buy Calls as close as **100DTE**. **But** ***always*** **at 80-delta.** It's best to start with >1 year Calls (LEAPS), because they give you "more time to be right." But 3+ months is quite a long time too. And if you pick an underlying that's going up, and stay ITM at 80-delta, it's 'pretty' safe. Nothing is ever 'completely' safe of course, but there's a scale: The guy buying OTM SPY Calls for Friday is basically buying lottery tickets. While the guy buying 90-delta Calls 2.8 years out (the Dec'28 expiration) is basically buying shares. In the first case, anything can happen in a week. The stock can go up or down, and you can win big or lose it all. In the 2nd case, you can pretty much bet the farm that the S&P500 will be higher in 3 years. Now back to your case. The nearest EWY Calls that qualify are at 151DTE (because the next-closest ones are 60DTE). But even if you fudged a little and went to the 79-delta Call, it costs $3,000. So you can't do that. I'm also in DXJ, but it costs even more than EWY. Yesterday I ran my scan, and after EWY I liked TUR a good bit. That one doesn't even have LEAPS options; they stop at 21Aug, 186DTE. But you could afford 1, maybe 2 of the 80-delta Calls. (I'm going to drop a few more tickers, and at the end I'll give you a chart of all of them.) I just now ran the scan again, seeing what was past EWY. I found OPPJ, which I'd be comfortable enough with. FRDM keeps popping up in my scans, I just don't like the little drop starting late Jan. PSCE has really taken off since 2Jan. A bit of turbulence last week, but the chart seems to want to continue the trend.
I really don’t like ETFs with thousands of holdings. Much rather own JIVE, FRDM, MELI, NU, MITSY. AVDV good too
Merrill won't even let a guy buy FRDM. Seems strange.
Or if you actually want to make money FRDM + AVDV + MELI + NU
I invest into FRDM which, to my knowledge, selects for companies with democracy, human rights, free judiciary, etc
VT performance has traditionally followed US stocks. Even recently it barely has outperformed VOO. If u want international exposure consider FRDM
Consider IEFA or FRDM or XCEM and get some international + EM small caps USA / SP500 is the best thing since sliced bread 🍞 - unless a new administration comes in and tries to turn the whole thing upside down like a sofa - and shake out every penny they can find between the couch cushions.
100% equities is quite aggressive and volatile. You're probably going to want to add other asset classes than equities to reduce the volatility. Even if not, I'd suggest FRDM over the emerging markets fund because it invests in emerging markets with higher freedom levels -- which return better than highly corrupt markets which end up syphoning gains to the corrupt officials rather than shareholders. Check out a [backtest](https://testfol.io/?s=exwZoAWhPNj) with other assets. You can halve your volatility adding in assets like gold, managed futures, and bonds.
I hold a mix of IEFA FRDM and XCEM (emerging markets minus china) Works for me
I like IEFA, XCEM and FRDM (International exposure without china risk) IEFA is large caps (europe Australia and some Asian countries, not including China) FRDM is emerging markets from countries with good relationships with USA. XCEM is emerging markets companies, except China. I don't trust China stocks in my retirement accounts. Anyone who is retiring in more than 10-12 years or more from now are likely to see significant changes in the world and one of the biggest in my opinion is that Chinas relationship with USA will be stressed significantly (to the point I believe Chinese ETF holding will be devalued significantly) just my opinion, good luck whatever you choose.
I have done this partially with IDVO and FRDM, a few weeks after the stupid liberation day. Both have smashed the S&P since then. I add periodically. Managed ETFs better than broad all world imo.
Agreed - check SETM GBUG XCEM FRDM XLE
One additional thing. USA has been a great thing for many years. But international funds beat sp500 last year. Maybe throw like 20 or 30 percent into some.international funds like IEFA or FRDM or XCEM (china is not our friend - so i recommend funds that exclude china stocks. If you like china go for it. But my three funds will beat the funds that include china over the next 18+ years.) don't ask me why - but basically - (because CCP owns the Chinese companies and at some point they will pull the rug again. Not sure when. But less than 19 yrs from now it will probably happen)
Take a look at $FRDM - I've owned it since this time last year, and it has taken off big time!
Its fine to get whichever you feel comfy with or even mix it up If you want to add a little more diversity - you can look at something that has international exposure like IEFA(International large cap companies in developed countries mostly europe) or FRDM (small cap companies from countries that are friendly with USA) or XCEM (emerging market ETF that does not include china) Sorry all my international picks exclude china because reasons....(murica) Don't trust the CCP. But whatever Good luck to you
i am no expert - but my international exposure is 50/50 - FRDM and IEFA (IEFA is medium and large cap companies from developed countries) (FRDM is emerging markets companies from countries that are relatively friendly to USA - doesnt include china) just my opinion - these have been good for me (i dont trust valuations of chinese stocks or hong kong stocks)
for the international maybe consider FRDM
Hey man, I saw you a lot around here and your advice is pretty easy for a beginner like me to understand. Mind if I ask you a question? Right now, I’m in a similar position. I only hold SPYM but want to add more international diversification. If I plan to hold long term, what do you think of IDMO + AVDV. I feel like this cover both ends of developing markets. But I’m also willing to switch out IDMO for AVDE, IDEV or FENI. I also plan to add some forms of EM like AVEM, AVES or FRDM. Personally, what do you think about these funds? I plan to do 20% for DM and 10% for EM.
I’m planning on buying SPTM, IDEV and FRDM for my IRA, but the market hasn’t dropped enough to buy much. My only substantial funds are IVV and CSXAX in taxable accounts. SPTM: S&P 1500. IDEV: Developed Markets ex USA. FRDM: Emerging markets ex China-like countries. IVV: S&P 500. CSXAX: S&P 500 ESG.
I sold about half of my holdings 2/3 the way down after L-Day. I was 100% US equities. I am now about 30% US equities and 30% international — VXUS mostly, but ~4% FRDM (liberty emerging markets), ~3% EUAD (Euro Defense), ~1% each in FLMX (Mexico), FLIN (India), and VNM (Vietnam). I am ~5% IAUM (gold) and ~36% cash or treasuries.
Well remember that I wasn't the one to mention anything about emerging markets. I'm just using an extreme example to illustrate a point here that concentration in US equities is NOT an uncompensated risk if you believe that all other countries are not as good at fostering economic growth. And if we wanted to use your "emerging markets equals higher returns" theory, then we can just look at that FRDM etf you pointed out earlier. Unfortunately, the returns are not high at all with that one and it perfectly fits your definition of an emerging market fund.
>Yea ok buddy, you can go invest in your "emerging markets" and I'll stick with what I know works Think of it like similar to bank lending: banks give better rates to the safer borrowers, and they have higher rates for riskier borrowers. You can invest in what works, but that doesn't make it have better expected returns. > Also that FRDM etf is sadly only emerging markets I saw. I was bewildered for a sec why it excluded US, UK, Canada, Sweden but then I realized what it was I did mention it was emerging only. There's not really as much of a need for it for developed markets. You'd typically find a developed markets fund (ideally MSCI based I believe because FRDM considers both Poland and South Korea as emerging) to use alongside FRDM.
Yea ok buddy, you can go invest in your "emerging markets" and I'll stick with what I know works. Also that FRDM etf is sadly only emerging markets I saw. I was bewildered for a sec why it excluded US, UK, Canada, Sweden but then I realized what it was 😑😝
FID FRDM INX 2050 Y I believe. It’s an Aramark 401k.
Few weeks ago i started adding some VGK, EUSC, FRDM (just love the name)
Diversifying internationally can be beneficial due to attractive valuations outside the U.S. and the potential for higher returns. While U.S. stocks have performed well, international stocks provide exposure to different economic forces and can reduce portfolio volatility. Although many U.S. companies generate revenue overseas, investing directly in international markets captures opportunities in mid-large cap companies not represented in the S&P 500. For me, I like $AVDV and $FRDM plus some companies like $HESAY and $MELI for stock plays.
Consider this mix: 1. S&P 500: Use an index fund or ETF for broad market exposure. 2.Small-Cap Value: Check out AVUV (Avantis U.S. Small Cap Value ETF) and AVDV (Avantis International Small Cap Value ETF) for potential high returns. 3. Emerging Markets: Go with AVES or FRDM for growth in developing economies. 4. Managed Futures: Add a sprinkle of DBMF or KMLM to hedge against volatility. This combo balances growth and risk across diverse asset classes. Happy investing!
OK, if you want to sacrifice some of a QQQ position to buy EMs, FRDM is better than EEM. Still looks like Diworsification though.
I think it's a little disingenuous to describe the outperformance as "a bit weak." Since inception, (using [valueinvesting.io's](https://valueinvesting.io/backtest-portfolio) site) it has generated a 9% CAGR vs EEM's 4%. That's significant outperformance. Even just looking at a 5 year stock chart (excluding dividends) EEM is up 3% vs FRDM 31%. Its max drawdown is also lower at -30% vs -36% and its worst year was -12% vs EEM's -20%. Again, that's while keeping in mind that FRDM hasn't been around very long. I doubt the fund would add names like BABA because China's government violates many of the metrics they use to determine "investable" markets. Ultimately I just think that for those looking to gain exposure to EMs, it could be a much better option than traditional funds like EEM. Since inception, it has also outperformed broad international funds like VXUS and developed international market funds like VEA.
FRDM - Freedom 100 Emerging Markets ETF - is a decent alternative to traditional EM funds that doesn't get talked about much. It uses metrics like personal and economic freedom scores, avoids governments with track records of human rights violations, and various other factors to address some of the issues you mentioned. It's relatively new, having started in 2019 but has greatly outperformed EEM and even outperformed VXUS over that time. It's worth noting that TSM is currently its largest holding at 11% of the fund.
I don't buy the Chinese companies....none of their stocks. (Not even VT) Cause I don't trust them to put out realistic reliable numbers. And I fully believe the Chinese govt could just turn a switch and take away a lot of money any day. If I wanted international exposure I would buy FRDM (international without exposure to China and a couple other countries) I don't need exposure outside USA right now. So I buy VOO VTI and QQQ
I have ~$3,500 in a 401a from my previous job invested through Fidelity in their FID FRDM BLND 2065 T account. I am 23, and tomorrow I ship out to the Air Force for basic training. I want to maximize the amount of money I have in that account over the next few months so that I can transfer it over into my military retirement. I’m just curious if anyone has any good recommendations for which fidelity accounts to allocate/rebalance my investments in since 100% is in that account currently. I want to play it somewhat safe, definitely do not want to lose all the money. I’m pretty much starting over my retirement fund with the military currently but would prefer if I could have a bit more than I do to transfer over. Thanks for advice!
Take a look at FRDM ETF. It’s out performed every other emerging market fund.
Hi All, Currently I am investing in both "NT S&P 500 Index" and "FID FRDM BLND 2060 Z". Would anyone be able to provide some feedback on these such as expense ratio? When researching NT S&P 500 Index from Fidelity I do not see much information. And it seems the return is much lower when compared to the S&P 500. Appreciate any info!
Not the timeline you are asking, but to show the effect, I just pulled up a 14 year old 401k I have in fidelity - I left the company in 2010. All shares in 401k are FID FRDM INX 2045 R, a target date fund. On January 1 2011, the 401k was worth $18,611.04 across 1,333.17 shares. Today, 13.5 years later, the 401k is worth $51,741.83 across 1,743.32 shares. So I think the math would say in 13.5 years, the account has grown by 178% which is not so far off the double every 7 years metric. The biggest take away for me is all the new shares that dividends and bond interest bought for me along the way - almost 25% of the position at this point is from compounded reinvestment. I did not touch or adjust shit, just get that money indexed and let it ride. And I mean that - anecdotally, like many others I have some play money in a taxable brokerage (only what I am willing to lose). I did active trading during Covid from 2019-2022, and for all the effort ended up making roughly 0% gains on that money.
I personally think it's a good idea but I am not a financial expert. I would do 20% mid cap 20% small cap (AVUV is good for that) 50% VOO (sp500) 10% FRDM (ALL international companies not including China and a couple other countries they selected as not particularly USA friendly) - I trust their model better than VXUS......just my opinion - cause I don't like investing in China.
Wish I could buy FRDM on Wealthsimple.
You mention India which has been on a great run but on an historic basis is very expensive. In terns of ETFs, the big ones like VOO have way too much exposure to Chinese tech stocks for my liking. I am personally invested in two. 1. FRDM and 2. EYLD
"FRDM" might fit your criteria. You'd have to take a closer look at their methodology, but it apparently invests in emerging market countries with higher personal and economic freedom scores.
VEA could possibly be combined with FRDM which is an emerging markets ETF which excludes authoritarian countries, according to their investment methodology.
I’m not sure if there’s a ticker. It says FID FRDM BLND 2050 R. When I expand that it says Fidelity Freedom Blend 2050 Commingled Pool Class R. Average annual return over 10 years is 8.5% S&P is 12% So that’s a difference of 3.5% annually over 10 years which realllly adds up. Basically my retirement portfolio would be 40% higher than it is now. I know 10 years is a smallish window for retirement but this fund feels waaaay too conservative right now considering I’m 26 years from retirement.
I’m not sure if there’s a ticker. It says FID FRDM BLND 2050 R. When u expand that it says Fidelity Freedom Blend 2050 Commingled Pool Class R. Average annual return over 10 years is 8.5% S&P is 12% So that’s a difference of 3.5% annually over 10 years which realllly adds up. Basically my retirement portfolio would be 40% higher than it is now.
VTI, VEA, FRDM, and a little bit of stock market gambling.
Long FRDM index, short MSCI China Index / whatever ETF
>I have my 401k with fidelity in a FID FRDM IN. 2045 T account that I max out each year Is that "IN" short for index or institutional? What's the expense ratio? If "index" and 0.12% or lower, that's a great fund, though 2045 seems a bit early for someone your age (maybe a 2055 or 2060 would be more appropriate). >I then do about $500 a week or $25,000 a year in VFIFX fund. The question I have is I put money in here instead of like a savings account so if I need it for something like a vacation or something like that I can take from it. Is that the right choice for something like that? For tax reasons, target date funds should typically only be held inside tax advantaged accounts. Something like VTWAX would be more volatile (no bonds), but more tax efficient (and even more tax efficient than that would be VTSAX + VTIAX). >My wife does 401k that gets about 10k a year in it. If you can afford more, I'd take advantage of more of that.
401ks either gain or lose money every single day. >What's the deal with my money being automatically put into FID FRDM INX 2055 B, is this normal behaviour? 100% normal, employers often auto-enroll you into a fund unless you make a different selection. >And should I be pulling my money out of this ASAP since I noticed the ER is like 0.75? Perhaps not: "FID FRDM INX 2055 B" is "Fidelity Freedom Index 2055", and the Fidelity Freedom *Index* funds all have a very low ER, 0.15% or less probably. Not sure where you got the 0.75% ER from but I don't think that's correct.
Just noticed that my 401k was losing money today which I thought was weird since I didn't buy any stocks with it yet (just began this whole investing thing). What's the deal with my money being automatically put into FID FRDM INX 2055 B, is this normal behaviour? And should I be pulling my money out of this ASAP since I noticed the ER is like 0.75?
I also have netbenefits for my 401k with fidelity and they initially chose for the default fund FID FRDM BLND 2060 Q but I moved the money to the FID 500 Index. If you have time I was curious what your thoughts and opinions were.
I’ve got my kid’s roth in AVGE. All markets with a slight size, value and quality/profitability tilts. If you wanted a bit of leverage and treasuries then NTSX is a good US fund. They have international versions as well. If you’re splitting up international into developed/emerging then I like FRDM for not including regimes like China, Saudi Arabia and Russia. They also exclude state-owned enterprises (SOEs). And then there’s your alternatives / trend following funds that I like to mix in. DBMF and KMLM are good.
Thank you so much that helps but I was wondering where you see expense rations For example my 401k is in a FID FRDM INX 2045 T. Is that a high expense one too?
Thank you for that. I am using FID FRDM INX 2045 T for my 401k is that a high expense one too?
Vanguard has etf.s (in USA) that track everything but usa. Example. VXUS is everything but usa. I also like FRDM it is emerging market ETF not including china. (I don't trust Chinese government and banking system to fairly share true info about their companies valuations. So I don't invest in china) Obviously these may not be available to UK investor but I am sure there are similar etf.s available over there.
Buy large multi-nations. If/when the USA collapses Apple and Google won't collapse. Also, why do you insist on buying in the USA? I personally buy, FRDM, VEA, and ECH to get some international exposure. [https://www.fidelity.com/learning-center/trading-investing/international-stocks-outlook](https://www.fidelity.com/learning-center/trading-investing/international-stocks-outlook)
Look at the FRDM ETF and how Perth Tolle created the index
You could check out FRDM (freedom ETF) where they look at emerging markets and then weigh economic/human freedom levels. No China, no Russia.
To help educate investors. He is already living his rich life with family in Puerto Rico. He runs a small boutique Alpha Architect company around these strategies. Also runs an ETFArchitect company that whitelists ETFs (like the FRDM ETF). He isn't hurting for cash... https://alphaarchitect.com/2022/06/how-i-invest-my-own-money-robust-to-chaos/
FRDM, VEA, VIOV, and VTI. That's not a hypothetical answer, I just bought $10k of that stuff last month.
I think it's important to have some international exposure. I prefer the $FRDM ETF, although it's more risky since it's not technically a market cap weighted index, and has a fairly expensive fee. However, I feel the most comfortable with the founder of the ETF, I like the holdings, and it's a way to ethnically not invest in autocracies. It's a very small percentage of my portfolio (\~5%) but I plan to increase this throughout my investing career.
I would just use the ETF $FRDM since it allocates a fair amount of capital to Poland and is likely to naturally target the benefactors of a post-war world in Emerging Markets. Note that Ukraine is considered a frontier/standalone market.
FRDM is very legitimate. The founder is Perth Tolle and the fund is whitelisted via Alpha Architect's 'ETF Architect'. Alpha Architect and ETF Architect are run by veterans. So you have a fund run by veterans that believe in the values of the fund as well. And Perth Tolle is incredibly passionate about this fund. Recently interviewed on Bloomberg's July 1st episode https://www.bloomberg.com/podcasts/series/master-in-business She was also featured on Morningstar and many other media outlets. https://www.morningstar.com/articles/1082597/the-world-is-waking-up-to-autocracy-risk-thanks-to-russia-china [here's a backtest ](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2022&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&reinvestDividends=true&showYield=false&showFactors=false&factorModel=3&benchmark=-1&benchmarkSymbol=IEMG&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&symbol1=FRDM&allocation1_1=100&symbol2=XCEM&allocation2_2=100&symbol3=AVEM&allocation3_3=100) showing how in recent times when other funds, more exposed to country risks, drewdown -FRDM was able to outperform them, one of very few Emerging Markets funds maintaining positive nominal returns through the recent couple of years. Note: for the factor regressors out there, note that the difference in country allocation alone makes any regression full of noise. That's before considering the short time period available for a regression.
Depended what you owned. FRDM didn't own them AVES underweighted them. Had roughly 4% of their fund in Russia. Now Russia is delisted and not part of any EM fund. In addition, standard Emerging Markets outperformed the S&P from 2000 to 2020 7.2% vs 6.6% https://twitter.com/larryswedroe/status/1346135515725230085?t=rRMLpaXDkD4rg2lvjOnfQw&s=19 All it takes is holding for the long run.
You have the FRDM etf thats only free emerging market nations companies. You will need to balance that yourself in combination with a world etf though
It's up to personal taste. I wouldn't put more than 60% of equities in Ex-US and wouldn't put less than 35% either, personally. I want as much diversification as possible. The one thing I would consider before going all in on their strategies is whether you prefer AA's Value approach or Avantis's AVUV/AVDV. I also think both AVES and FRDM are fantastic Emerging Markets funds. If you don't like China investing go for FRDM. If you want China stocks go for AVES.
Maybe the FRDM etf that invests in non communist or govt owned companies? I own some of it.
Have you guys acquired any shares of $YUGE $BGLY $MNGO or $FRDM?
FRDM's thesis is good on paper, but it currently includes the Phillipines. While the Phillipines have made the death penalty illegal, the president is ordering extrajudicial executions. For some reason FRDM's metrics (or rather, the metrics of the analytics firms they're trusting) don't include "extrajudicial killings" as a tick against "civil freedom" or "political freedom"
FRDM might satisfy these.
So small/micro-cap stocks are supposed to have borrow fees in excess of 30%? I'm not so sure. Looking at table 5 [here,](https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3726227) low fee US-listed small caps have a weighted avg borrow fee of just 10 bps, and high fee small caps have a weighted avg borrow fee of 2.39%. Far from 20%+. And even if we consider VFMF to be an anomaly because of how small it is, LRGF and SMLF both have over 1B in AUM and still have very high borrow fees, especially compared to similarly sized or smaller single-style ETFs like QVAL, IMOM, FRDM, etc.
I would split it up evenly amongst VOO VTI QQQ VXUS FRDM ​ Regarding Dollar Cost Averaging in - I don't really have a huge lean to think thats the right or wrong decision - But VOO and QQQ are both slightly lower than norm - I would add the most to them asap then dollar cost average into the rest over the next few months - Disclaimer - This statement represents only my opinion and I am not a financial advisor.
I’ve considered adding $FRDM for emerging market exposure that’s not tied to this liability. That said democracy is messy too.
I do not hold it myself, but you may want to research $FRDM. Its an emerging market that filters on the Freedom Index. So no China, Brazil, Saudi Arabia, nor Russia. It does, however, hold both Tiawan and South Korea and I dont quite buy into the idea that those are "emerging" markets. But you can make up your own mind
> If you are a fisherman, will you not fish where the fish are? I am a fisherman. And i fish for large mouth bass. In murica. Then i invest my money in the S+P500 and FRDM. Thats right freedom. With 2E's. Cause thats what i believe in. Truth justice and murica. You know what i dont believe in? Funding china's 20 year plan. When they eventually attacj taiwan - their stocks will sink similarly to russias last month. Lets just hope you are smart enough to get out before that day. Good luck to you. *(but not to china)
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.
Fidelity is the best. Stick with fidelity. If you are stuck and unsure what stocks to buy - the simplest best is ETFs. Just buy some variation of: VOO QQQ FRDM
I’d recommend looking into the FRDM etf.
Really thinking hard about moving my EM allocation to FRDM at this point.
And this is exactly what china can do as well. This is why all my foreign investments avoid china and Russia. *(FRDM and EMXC)
Any suggestions? From you or from anyone else who happens to pass by and reads this? $FRDM and $EMFM both hold a large percentage in South Korea and I feel its cheating to claim that South Korea is an "emerging" market. $FM looked kind of promising when I checked it out at first, but Vietnam is a communist nation so nearly every company is privately held, so the publicly traded companies in the index are not a fair cross-section representation of the Vietnam economy. I admit I didn't look that deeply before I gave up, so there may be some ETF out there that I just havent discovered. Anyone got tips or advice?
25% Alphabet 25% Tencent 25% Bitcoin or Gold 25% Freedom 100 Emerging Markets (FRDM)
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.