IJH
iShares Core S&P Mid-Cap ETF
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Is my proposed portfolio more complex than it needs to be?
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I agree with selling to buy stocks, dumping it into an AI bubble is unwise I'd say. Maybe do IJH/VEU instead?
That shit seems all over the place. Imo the simplest aggressive portfolio of etfs should be 55% VOO 30% IXUS 10% IJH 5% IJR If you want some crypto exposure pull 2% from VOO 1% from the rest and put it in your favorite btc etf. This is easy auto win portfolio in this bull market. Up 44% in 3 years.
VO is doing pretty good this year so its a solid option. I went with IJH for the Mid-Cap and IJR for the Small Cap.
I just took my acorns account and rolled it into my fidelity account. Is any of this redundant? Should I look to sell some and invest in others? I'm mainly looking at long-term/retirement. GOOGL - 29.51% VTV - 21.58% OHI - 14.28% O - 8.48% VTI - 7.61% SCHD - 6.81% VOO - 5.79% IXUS - 3.93% IJH - 0.95% BITO - 0.49%
Voo - 55% IJH - 10% IJR - 5% IXUS - 30% Here's correct ratios. Sorry about that.
What’s the thought behind having IJR and IJH when they seem very similar?
If you just want to pile money in and not have to follow things id do VOO - 50% IXUS - 30% IJH - 20% IJR - 10% My etf portfolio is exactly this allocation and despite the red day im up 36% YTD. I swear investing has never been easier.
How about mid-cap ETF like IJH or VO ?
S&P does some due diligence on these stocks .. vs the Russell. Stocks do pop up on their “completion index” of 3500 stocks (example: the iShares ITOT etf had Applovin’ but not the IVV or IJH .. while their Russell ETFs already did), but they take at least some time when adding the stocks to the large cap 500, mid cap 400, etc..
It depends on your risk tolerance really. VOO (SPY is also a S&P500 etf) and chill is popular. More risk and a tech concentration could be QQQ (Nasdeq 100). VTI is an argument over VOO for mid/small cap exposure. The Russell 1000/2000 growth and value are arguable, as well as IJR/IJH for small/mid cap diversification. Had over to r/Bogleheads, they'll add something like VXUS and SCHD for diversification. If you want diversification something like 15% VOO, 15% VTI, 5-10% Russell 1000/2000 growth, 5-10% Russell 2000 value (or IJH/IJR, all 4 at 5% maybe), 20% SCHD (dividends), 20%VXUS (All world), and 10% Bonds (BND or Treasuries)/Gold (GLD)/ or single stock picks. This would give you a good allocation mix for a diversified ETF portfolio if you want more than VOO and chill, but don't know what you are doing.
I have been in the market for about 40 years, via 401K, then adding IRA Roth, and then a brokerage account. I never have used a real broker, mostly just low cost simple investment brokerages, like Fidelity, Schwab (and Scottrade and TD Ameritrade), and I just mostly used funds, now mostly index ETFs to invest my money, only after 20 years of saving did I start buying any single stocks or complex ETFs (REITS, dividend ETFs, etc). If you go 40-60% in VTI or IVV, IMH IJH, then about 10% in REITS, 20% in international, a small but gorwing amount in bonds/fixed income (10-20% and growing with your age, AGG, LQD, SGOV, etc). that will do fine and diversify you some. As you age, you can see if there are areas that you better want to add to, like Gold, Cryto (I mostly avoid it), and other alternatives. So far it was worked well for me, and got me near retirment early. Good luck. I have friends with fancy (expensive) brokers almost all of whom have done worse than I have, and I am not beating the S & P most years, but coming very close with much less volitility.
The S&P 500 is solid like a cash position, it has achieved an all time high in the last 14/15 years, presenting you with an opportunity to take money out of the market/re-allocate etc. If you're mostly investing long term a core position is warranted. QQQ100is tech focused, IJR and IJH for small medium cap, and I like the Russel 1000 for growth. This is a decent ETF exposure distribution. Add SCHD (reddits dividend sub), although the JEPI/etc boys, give good qualified dividends and let you harvest underlying loss at the same time. Maybe better suited to taking profits with offsetting losses.
Schwab Taxable- 100% SCHG Schwab Roth IRA- 50% SPY, 20% VXUS, 10% IJH, 10% IJR, 10% SGOV Robinhood taxable- ~60% VOO, ~20% QQQ, then about 20% mixed between a handful of individual stocks (mostly Apple, ARM, Intel) 401k- 100% JP Morgan large cap growth R6 Contributing 15% of my paycheck to 401k, then I max my Roth, then throw any leftovers from my budget each month into Schwab/RH taxable.
That’s the issue. The 3 ETF’s I have do overlap the stocks some. I have IVV, IJH, and IJR. If I sold the stocks I could put the resulting cash into these ETF’s. I just don’t know if all that is worth it tax wise, expense wise, and return wise. Maybe just hold what I have as you’ve suggested.
How far back? IJH, IJR and SPY will take you back to August 2000 for comparisons
I have a ROTH and a brokerage through Fidelity each with largely the same asset allocation of ETFs. My time horizon is still fairly long - at least 20 to 25 years. I'm determining whether I need to rebalance my existing allocations and/or get rid of or add ETFs. Any insight and recommendations are appreciated. I recognize that VOO, SCHG, and VGT may have significant overlap but I wanted to target more growth and tech stocks. 45% - VOO (S&P500) 15% - SCHG (US Large Cap Growth) 15% - VGT (US Technology) 5% - IJH (US Mid/Small Cap Blend) 5% - SPDW (International Developed Large Cap) 5% - VSS (International Developed Mid Cap) 5% - SPEM (Emerging Markets) 5% - GLDM (Gold)
I would buy equal portions SPY, QQQ, RSP, IJH, VTV, ITOT, VXUS. My real question is whether to allocate to bonds via the GOVT, and if so how much.
My advisor sold AVGO last year to buy IJH 
Newbie. My current portfolio. Should I move over to fidelity? 28m this is my current portfolio: 52.25% VOO, 9.5% IJH, 4.75% IJR, 28.5% IXUS, 5% BITO. Have been investing since Sept ‘21 through Acorns. Used them as intended. Set my portfolio to aggressive and forgot about it. 4 years later my portfolio value is $13,300 and I’m up 31% overall. • Taxable account • $1 monthly fee I have been thinking about switching over to fidelity and adjusting my portfolio to something more aggressive and growth oriented. I was thinking of something like: SCGH, VTI, IUS FZILX. New to investing, but these seemed like pretty solid ETFs. If not, I would love to hear recommendations on ones that I could look into to help build a better portfolio. My main reason for switching to Fidelity is that I don’t have a Roth IRA yet and was planning on opening one with a split of FZROX/FZILX. So wanted to go ahead and also switch my taxable account over. I also feel like my acorns portfolio isn’t as aggressive as I want it to be giving I plan to invest for the next 30+years and don’t mind taking risk until l hit a point where I feel I need to start being more conservative. Is it even worth me moving over to fidelity and completely changing my portfolio to like the one I gave above or should I just stick with the current one on acorns? I know there will be tax implications etc, but if I’m ever going to move over I feel like the time to do it is when my balance is relatively small. Sorry for long post. Hope it was easy to read at least lol
I was somewhat tempted to use Acorns. I was going to have VOO, IJH, IJR and IXUS. Not a bad portfolio.
* **Consider consolidating FSKAX** (broader exposure) and removing **SPLG** for simplicity. * **Move PG to CMA** and focus your Roth on growth funds. * **Diversify CMA** beyond tech-heavy holdings (e.g., QQQM and AMD). * **IJH and IJR** are good, but FSKAX might already cover small/mid-caps. * Diversify with international funds or other sectors. Anyways you're off to a great start!
I would go with SPLG over FSKAX. That's just my preference. Either one is fine but you don't need both. I don't hold any small cap or mid cap. Again, just my preference. IJH and IJR are good funds though. They are a little more volatile and higher risk but could have higher reward. PG is a good company but I prefer not to own individual stocks, only ETFs. QQQM is a good one. I don't think you're doing a bad job. You're on the right track. The decision is ultimately up to you.
Hello! 18 years old with a maxed out ROTH IRA and a cash management account open with fidelity. I have 22k to put somewhere where it can grow, whether that’s investing it certain stocks or putting my money somewhere it can appreciate. I would like something with tax advantages. Any stocks I would buy would be long term (preferably). I currently have QQQM, FZROX, and AMD In my cash management account. FSKAX, IJH, IJR, PG, QQQM, and SPLG in my ROTH IRA. Please help me out and give suggestions!
Yeah, those are pretty different from each other. If you're not sure what you're looking for, going for a blend fund like IJH or AVMC would probably be a good idea.
Have you considered simply combining VOO/IJR/IJH into VTI or ITOT or SCHB? These 3 funds are all total US market style. They'll hold all 3 market cap segments at their respective weights. >International Exposure? I’ve heard mixed advice about adding international stocks. I’m currently 100% U.S.-focused. Is that okay for a Roth IRA, or should I be looking to diversify more globally? US only is single country risk, which is an *uncompensated* risk: one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine): >Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.** Many people try to use the excuse that S&P 500 companies do lots of business overseas, but that isn't the international coverage that actually matters. * https://www.dimensional.com/us-en/insights/global-diversification-still-requires-international-securities - Companies will act more like the market of their home country, so foreign revenue isn't the international exposure that actually matters * The purpose of the international holdings is to be covered during the orange periods of the graph here https://www.mymoneyblog.com/us-vs-international-stocks-cycles-outperformance.html Plus that's true of large companies in most countries. There are many market sectors where foreign companies are some of the key players and do lots of business within the US, but that doesn't mean we can go 100% IXUS. Going global can both help with returns and volatility.
IUSV track the S&P 900 Value index, IJH, IJR for mid and small caps
QQQM suffering from recency bias, look at 2001 2002 performance. There is plenty of AAPL NVDA GOOG in VOO. Don't need SCHD or COWZ. No international? No emerging markets? Why not core mid and small cap like IJH IJR?
In the past, I have seen this portfolio swing drastically up and down. Each time it goes down, I think I should have cashed out when I was getting 30+% ROI. I know the "time in the market," "cash out when you have a better investing strategy or need," etc. I don't need the money now, and I don't have any other investment plans. But I don't want to regret not getting the 25% + ROI, and I'm unsure if this will be sustained. This is a genuine question: Should I continue to add recurring to this portfolio, cash out now, and put it in a bank with 5% returns until the next market drops, or invest in a different portfolio? Current gains: 26% return; portfolio: $258K Funds in acorns with daily $100 investing: VOO - $142K IJH - 25K IJR - 13K IXUS - 77K Thanks!
I hold about $200K of IJH, I like midcap blend
I own 18% IJR and IJH i. my Roths. Loving last few days
IJR and IJH have been printing as well.
The same exact indexes keep going up because algos IWM IJH XBI IBB And of course shitcoin
$IWM $IJH were laggers in this market, but now ppl just rotate profits into laggers, as they being in decline for months. Since its much easier to make gains on them when expect another 100% gain on $NVDA at this point. But this could be just fake out, but usually rotation is normal part of market.
$1.012 mil: 14% return YTD. Top holding IVV, MSFT, IJH, NVDA, Money Market Cash.
Yep. I've been adding to my small cap and mid cap positions. I'm a fan of both IJR, and IJH. Holding for 15+ years.
You may want some small cap mid cap funds. More focused emerging markets (including asia + south america) This is what I'm aiming for: || || |Ticker|Country|3y|10y|Incept.|Weighting|Return| |IVV - S&P 500|USA|18.20%|16.09%|6.73%|20%|3.22%| |IEM|India / China Equities|-2.04%|5.37%|7.71%|15%|1.63%| |IOZ - ASX 200 ETF|AU|9.17%|7.77%|8.01%|15%|1.20%| |IEU|Europe|12.28%|7.01%|3.84%|10%|0.90%| |IJH - Core S&P Mid Cap|USA|12.62%|12.73%|8.80%|10%|0.88%| |IXJ - Global Healthcare ETF|USA|14.42%|12.12%|6.51%|10%|1.21%| |IJR - S&P Small-Cap ETF|USA|8.04%|11.84%|8.90%|0%|0.00%| |IOO - iShares Global 100|USA|16.12%|14.49%|5.19%|20%|2.90%| |||||Return|100%|11.94%|
my IJR & IJH holdings appreciate the dissonance.
VEA developed world ex-US IJH mid caps IJR small caps
IJH mid caps IJR small caps I also like VEA (developed world ex-US) due to its relatively lower valuation
I just do IJH and VOE instead of VOO at these valuations. The largest holding is a boring utility, at 0.86% of the index.
IVV QQQ IJR IJH EZU VTV SCHF BND more heavily weighted towards IVV and QQQ with everything else just about even.
Do you own IJH? (if so, it split and is causing some confusion out there: https://www.reddit.com/r/investing/comments/1axen4n/wtf\_happened\_to\_my\_roboinvest\_in\_the\_last\_few/)
You have not actually lost money today on acorns. IJH split their stocks and Acorns is not accurately displaying your new stock totals. The issue will be fixed and you will see the accurate stock total soon. This message was sent out to everyone on acorns who owned IJH stock.
5:1 share split https://seekingalpha.com/symbol/IJH/splits
Does anyone know what’s happening with the IJH ETF? It’s down 80% from 5 days ago.
thoughts on IJH with their split tomorrow?
It's an interesting question I'm dealing with myself at the moment on MSFT. I have an individual position in MSFT that by itself represents about 7.3% of my total portfolio. When account for MSFT in the various ETFs and MFs I hold across the portfolio that number is right about 10%. I've been grappling with decreasing the individual holding some (so that it represents about 5% of the portfolio rather than 7.3%), particularly since I am adding at least some every paycheck by way of mutual fund in my portfolio. If I do, I would likely move it over to one of my other ETF holdings. It's not that I don't believe MSFT will continue to grow, it's boiling down to whether I think MSFT alone will grow more than IVV, IJH and/or AVUV (the three main US ETFs I have in the account) moving forward. At this point, I am not sure what I am going to do, but for the most part, I would say that 10% is probably a cap for me on any one holding's representation.
very helpful! Looking IJH up now. Thanks-
RFG (S&P400 Pure Growth) and IJH (S&P400). Based on market cap amd earnings, it will join the S&P500 soon...
Can I make a different suggestion? Use Acorns. For smaller amounts (although 600/monthly isn't really small) Acorns is an excellent savings and investment account which you can almost forget about, instead of actively investing and thinking about. I have my account set to Moderate risk. It's broken down into VOO, AGG, IXUS, ISTB and IJH. It's almost entirely set and forget, where you can choose risk levels, and it gives breakdown of the associated risk level investment ETFs.
VXF which is the S&P completion fund to pair with VOO. US total market is 0.85 x VOO + 0.15 x VXF. Or you could sample S&P US mid and small caps with SPMD + SPSM or IJH + IJR. One theory is to tilt small cap value for long time horizon gains, many use the morningstar 5 star fund from Avantus AVUV, ER of 0.25. I prefer indexing with low expense ratios so I use the pair of state street ETFs, happy with the funds, happy with the diversification.
Confirm fund overlap at etfrc.com. It's good to go in understanding whether you're buying something new and therefore getting a diversification benefit, or if you're tilting to one area, which is fine too if that's what meets your goals. For vanguard you can also look at the index that's being followed, so VOO doesn't pair with VO because VOO tracks S&P but VO doesn't. Because the Vanguard mid cap that does track S&P is thinly traded, you could go with something like SPMD or IJH for example if you're seeking diversification. The three index companies I stick to are Vanguard, Black Rock and State Street because of low expense ratios and high AUM. Hope this helps!!
Basically S&P400. Ticker: IJH. Also in S&P400 Pure Value and S&P400 Pure Growth. But those 2 are only for institutional investors unless you replicate their portfolio. Which I did🙂 via Etoro
Combine IJH/IJR into AVUV or CALF. Get rid of SCHD. There you go.
Need help reducing my Growth and diversification portfolio of ETFs, VOO,IJH,IJR,IXUS,SOXX,VGT,SCHD,VCR,VDC. I wanna make it 6 or 7 but can’t decide which ones to let go or any other alternative. Any suggestions please
Need help reducing my Growth and diversification portfolio of ETFs, VOO,IJH,IJR,IXUS,SOXX,VGT,SCHD,VCR,VDC. I wanna make it 6 or 7 but can’t decide which ones to let go or any other alternative. Any suggestions please
Need help reducing my Growth and diversification portfolio of ETFs, VOO,IJH,IJR,IXUS,SOXX,VGT,SCHD,VCR,VDC. I wanna make it 6 or 7 but can’t decide which ones to let go or any other alternative. Any suggestions please
They Say Diversity but Apart from Tech(SPY & QQQ) I don’t see any other ETFs that are doing well. Ex: IXUS(international ), IJR(small cap ), IJH(Mid cap), Financial ETFs, XLY etc ETFs. Am I looking in the wrong ETFs to diversify or it is what it is?
I assume you could use ETFs as a guide for this. IJR (small) IJH (mid) IVV (large cap) There are numerous others, but this gives a general breakdown. Probably some other ETFs are more "vanilla" and represent each market cap better...I'm honestly not 100% sure which would be best.
I like IUSV, I buy it when I think the IVV is over valued. I also own IJH , which tracks the S&P 400.
State Street also now has the cheapest midcap and small cap etfs in SPMD and SPSM... only 0.03% vs 0.05-6% for ishares (IJH/IJR)
If it wasn't for transfer fees, I would say yes. However, they have a horrible transfer rate fee. $75 per ETF. Their aggressive portfolio has 4 ETFs (VOO, IXUS, IJR, and IJH). That is 75\*4 = $300!!! If the transfer fees are not an issue, then make the move. Also, check if the money is in a taxable account or Roth IRA (Acorns' Later). That could lead to money owed if all the money is in a taxable account.
Overall ETFs provide a flexible way to invest in a specific industry or track a broad index such as the S&P 500. Expense ratios are important to consider as a high expense ratio will lower the overall return. For instance if you were to select a S&P 500 etf, VOO would be a great option due to its low 0.03% expense ratio. If you strongly believe in the higher return potential and the fund has a higher expense ratio you could make that a argument of why to invest in a fund like QQQM with a 0.15% fee. I personally own VTI, SCHD, IJH, IJR, VYM, VIG, and SPGP. Yeah it’s a lot of ETFs with some overlap but I aligned the allocations to meet my target goals.
Do you have income now? What's ur plan you goin to school? 1)I'd probs buy a cheap car 5 10k 2)Take another 10k put it in a 4%+ hysa so you have liquid 3)Put 6500 in a roth and buy a 2070 target retirement fund, do this every year that you are eligible and able 4)And put the rest in a brokerage and buy a few ETFs, maybe somethin like: 25% VTI 25% QQQM 20% SCHF 10% IJH 10% IJR 10% EZU Would be a good set and forget portfolio you can and should start adding to once you've got cash flow.
I would add small and mid cap to the mix above what you get from VTI. Look at IJR/SPSM and VO/IJH/SPMD. This is for like 10-20% of the portfolio max. Small and mid cap are more volatile but historically have higher returns. You might also consider some VEU - maybe 5% for international exposure.
Great comments here already but given the ability to have $2k/month. My personal advice is put the max into Roth IRA first ($6500 per person, per year, given current age). Then put the rest into a joint or individual account. Personal note: my expectation over the next 20 - 40 years is that tax rates have a higher probability of increasing than decreasing so the Roth is a good investment earlier rather than later. Within both accounts, just go for index funds, VOO, VTI, SCHD, VYM, NOBL, IWM, IJH, IEFA, VWO. Those group of funds will be almost too diversified so look into each and see what fits your risk profile. Investments are inherently risky, and no one can predict the future, however if you keep to a consistent and simple strategy, hopefully you can reach your goals. In the future, let’s say 10 years from now you have the money you need for the house, move that to a safer place, T-Bills, CDs, savings account…then let the rest of that money keep going for the next 4 years+. Good luck!
You are correct! An even simpler method is: 70% VTI and 30% VXUS. VXUS is Vanguard's version of IXUS. VTI is basically VOO + IJH+IJR.
So here's a question - If I invest $200 through Acorn's aggressive portfolio, they automatically distribute the $200 into VOO(55%), IJH(10%), IJR(5%), and IXUS(30%). If I invest independently via Vanguard, I would have to do this myself. For a beginner, is it not worth the fixed fees to distribute my investments automatically without having to take more of an active role? Just curious what others think.
First off great job on starting early 15?! Holy cow. ​ Sticking with VOO & SPY for your leading sector in your diversification is good practice! Example: **60%** of your portfolio could comprise core USA equity funds / international. **Example Tickers: IJH, IJR, VOO, BITO (Bitcoin ETC exposure) IXUS, SCHD** other **40%** can be personal companies you shop at or personal just enjoy. Buying groceries from Target = buying some Target stock. Building backyard projects or outdoor crafts? = buying Home Depot stock. Trashmen/women that keep the street clean and the company that makes it possible = Waste management stock Best of luck, man on your investing! You are off to a great start! ​ I will add as well some extra materials below for you that will help your investment journey. Folder["Investing with friends"](https://drive.google.com/drive/folders/1qMvBqLwDsaXJOcVarhMWoEeH4XminL2j?usp=sharing) (:
I’d make my own mix of IVV, IJH, and IJR. I like to overweight mid and small caps. This is similar to ITOT but you control the mix and can adjust as you go. If you want you can add EWJ (Japan) and IEUR as you like. This way you can control the mix and adjust as you go. With $0 trading it’s actually quite easy.
What's up with the small/mid cap rally while the S&P is flat? IJH up almost 2% right now
Key Bank and Bank of America. Also small caps and mid caps like IJR, IJH, VO. Long all of them (full disclosure). Good luck!
VOO is technically aggressive, you could go with IUSG, QQQ, IWM, IJH If you want higher beta. VOO - S&P 500 IUSG - Growth Stocks QQQ - Nasdaq 100 IWM - small cap IJH - mid cap
IJH and IJR for domestic, since they have a profitability screen and are constructed way better than the Russell 2000. Probably a factor etf for small cap international, either from Avantis or DFA.
21 years old and $19k Portfolio Goal: long term investing IVV 50% IJH 24% IJR 17% VEA 9%
I recently got an inheritance about net 300k and talking with my financial advisor, when I told him my horizon was 25-30 years, he recommended getting 6-month treasury bonds right now. The market is volatile right now, and while no one has a working crystal ball, he thought (and I agreed) that it's likely enough the market is going to be substantively worse in 6 months that a guaranteed modest return for that long and then moving it all or almost all into equities was the way to go. Generally, the maxim is that "time in the market beats timing the market", but that doesn't mean you should be willfully blind to the signs that things have a high chance of turning worse in the next half-year. So, that'd be be recommendation; don't jump into equities just yet, get something with a fixed return for a short window then reassess. As for what to do once you feel it is time to pivot to equities, VOO is heavily weighted toward the largest companies by market cap, so it doesn't necessarily get you as broad a coverage as you may want. To set it and forget it you might do something like 60% VOO, 20% IJH (iShares Mid-Cap) and IJR (iShares Small-Cap). I don't think 100% VOO would be a BAD call, but I'd want more diversity in my portfolio while still keeping it to a small number of ETFs
Do you currently have a 6 month emergency fund or a personal brokerage portfolio? I would definitely recommend building a emergency fund if you haven’t already. I’m in my 20s as well and have been maxing out my 401K/HSA/IRA but don’t have a house since I’ve been in an apartment. I hope to retire early and have been working on building my personal brokerage since I am already maxing out retirement accounts. Just remember that anything going into a tax advantaged retirement account is tied up until you’re 60, so I don’t think there’s anything wrong with working on building up a personal brokerage portfolio even if it’s not “tax advantaged”. My personal brokerage portfolio mainly consists of VTI & SCHD plus VIG/VYM/IJH/IJR in smaller allocations. Reinvesting dividends to compound portfolio. Hope this helps!
Just food for thought, there's a lot of uncertainty in the market right now with it starting to look like people have been unduly optimistic about how much/how long the Fed will be raising interest rates and keeping them high. Unless you're dead set on getting that whole 5k into the market right now, I'd suggest spreading it out more. Maybe spend 1k now, then put in 500 every 2 weeks until the remainder of the original 5k is fully invested and then go to 500 a month. (I'm moderately bearish on the market right now, so if you disagree and think we've seen the worst, obviously this strategy won't be for you.) As for where to put it, you've got to do your own research of course, but personally, I agree with what I saw some others saying about straight S&P500 ETFs not giving you great broad exposure; they're heavily weighted toward tech growth stocks. I like VIG over VYM for a high-dividend ETF. I have some shares of it and am planning to buy more when it gets to a bit better of a price point, but either is a viable dividend strategy. For broader ETFs, I like IJR to get small-cap exposure, and there is reason to think small-caps will outperform if we do have a recession or one that lasts longer/goes deeper than is currently expected. IJH focuses on mid-caps, so you could split between, for instance, VOO, IJR, and IJM to sort of cover your large-, mid-, and small-cap bases. (I own some IJR, no VOO or IJM.) Of the dividend stocks you listed, the only one I own that I'd recommend investing in is ARCC. (I do own some VZ, but I wouldn't buy more myself.) For really great dividends, you could look at bulk ocean carriers like SBLK, GOGL, or ZIM. (I own shares in all three.) All have dividends at or over 20%. They got over-valued for a while and have been suffering price-wise, but that trend has recently abated and I think they're good long-term investments.
Consider IJK and IJH. They have more of the middle of the index and less of the mega-caps.
Both the S&P 400 and S&P 600 are popular indices with multiple index linked products available. If you look at IJH and IJR which are Blackrock iShare products - the net assets on both are around US$70bn compared to the popular Russell 2000 iShare IWM (small cap) which is about US$55bn and Russell midcap iShare IWR at $29bn. Iirc - the expenses on S&P 600 small cap index based funds tend to be lower than Russell 2000 based funds. You can find the list of index linked products that use for the S&P indices here: [https://www.spglobal.com/spdji/en/indices/equity/sp-600/#index-linked-product](https://www.spglobal.com/spdji/en/indices/equity/sp-600/#index-linked-product) [https://www.spglobal.com/spdji/en/indices/equity/sp-400/#index-linked-product](https://www.spglobal.com/spdji/en/indices/equity/sp-400/#index-linked-product) There are lots of these types of index linked products based on MSCI, Russell, and S&P. It really just depends on your own investment thesis.
Not all world - but I like IJH (mid cap), IJR (small cap), and IWD (value tilt) to adjust exposure a bit away from tech.
You’ve blocked your real holdings. Also no IJH, QQQ, nor IJR. 0/10.
The market is sentimental, and economics are stuck between a rock (inflation) and a hard place (interest rate hikes and recession fear). It is difficult to "rate" any individual performers. The market has been volatile and sentimental since Mar 2020. If you're starting out, consider market ETFs. The annualized returns on popular options (SPYG, IJR, IJH, QQQ) have been consistent and significant.
Ignore VTI and VOO. Ignore anybody telling you VTI and VOO. Look at **IJR** and **IHJ**. To anyone who disagrees or wants to downvote this, show me your data against: **IJH**: +357.41% (2010 - 2023). **IJR**: +370.86% (2010 - 2023). **VOO**: +257.09% (2010 - 2023). **VTI**: +332% (2010 - 2023).
I'll give you six. Be careful with the first one, right now. * **QQQ** – Nasdaq 100 * **VTI** – Vanguard Total Stock Market * **SPYG** – S&P 500 Growth * **IJR** \- S&P 600 * **IJH** – S&P 400 * **VBR** \- Vanguard Small-Cap
Nice! Thanks for the helpful reply. Just switched my account to reflect a Roth priority. I am 40 years old. I haven’t been in the financial position to max out Roth contributions but that is changing year over year as my financial health and income improves—I’m somewhat of a late bloomer. I see the possibility of being able to save and invest quite a bit more as time goes by but was also scared of all this recession doom and gloom talk. I began to wonder if I should just pull out of the market altogether, but then I thought I might regret that down the road when, in hindsight, I should have been buying everything up at a big discount. Yes, Acorns core Roth portfolio is a broad based foundation of VOO, then IJH and IJR, and finally IXUS international basket and about 20% AGG and ISTB bonds. It automatically arranges your Roth based on your IRS retirement age and can’t be manually configured. My standard investment account can be configured according to certain profiles and I just switched from the aggressive to the more 60/40 conservative. So I have a moderately aggressive Roth and a moderate standard now, with most of my contribution going to Roth, thanks to your advice. Since Acorns is based on a DCA system in that it draws weekly recurring debits from your connected account as well as round up debits (where they round up every purchase to the nearest dollar and save that amount for you), I’ll just continue with that. They also of course allow you to make one time contributions any time you wish so I suppose strategically dumping lump sums in is the strategy you tested. If and when I have extra cash at these moments I’ll do that. I’m just glad you didn’t say anything like, “Get out now!” Haha.
For me, the one con with single funds like VTI is they are over concentrated in the most massive companies. And it lacks international exposure. Since I desire more diversification than that, and opportunity for greater growth, I have constructed a standard portfolio, still using low cost ETFs. So for US equities, instead of VTI, I would do 1/3 each SPY, IJH, IJR (or any other low cost equivalent is fine). This spreads investments much more deeply into mid and small caps, both increasing diversification and long term growth potential. For ex US I use a mix of IEFA, SCZ, IEMG.
VOO is fine for US larger company stocks, but that's not the only thing you want to buy. VOO is an S&P 500 fund. the S&P 500 was flat from about 1966-1982, and from 2000-2012. in both these periods, smaller US companies and international stocks did a lot better than the S&P 500. you always want some small and international in the mix. in fact, you're often likely to get better long-term results from smaller company stocks than large company stocks. the S&P 400 (mid size) and S&P 600 (small companies) have beaten the S&P 500 over time. https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png there are other options, but IJH is an S&P 400 ETF, while IJR is for the S&P 600.
TOKE and THCX, according to Fidelity's data. SGENX and IJH according to Fintel. I think any S&P 400 midcap ETF will have it, since it's part of [that index.](https://en.m.wikipedia.org/wiki/List_of_S%26P_400_companies)
If you want to be even bolder just add even more to small and mid cap. They are trading at cheaper valuation and than sp500. IJR and IJH both have good liquidity and low costs.
I would add IJR and IJH to the mix. Gives you better exposure to small and mid cap US Stocks as well. Expenses are very low for both funds.
Agree. I would add IJH and IJR to add smaller companies. VTI had very heavy allocation to very large cap companies.
Buy a little IJH if it goes sub 250. Oh shit I said that out loud. I mean more Tesla weeklies of course.
Just add IJH and IJR to the mix- it will reduce your overall exposure to megacap without resorting to things like equal weight funds. These are core etfs with very low cost of ownership. In an etf like VTI the smaller cap companies represent a minuscule proportion of total holdings.
25% each into low cost ETFs. SPY, IJH, IJR, IEFA. This is a diversified global equity portfolio with an aggressive lean as just over half the total assets point towards mid and small caps. SPY alone always bothered me because it’s not as well diversified as others. The mega caps have an outsized affect on the index.
I have two Robo Advisors: Acorns and Stash. Their portfolios are different and honestly, not bad. I make up Acorns' $3 monthly subscription with Acorns Earns offers (i.e. 10% on Go Puff Order means 1 $30 Go Puff order already broke even for the month), and it invests in pretty good ETFs like VOO, for example. The round-up feature linked to my checking also makes saving and investing spare change insanely easy. If anything, I treat it as a mid-to-high interest earning savings account more than an investment account. However as the name suggests it is for long-term (10+ years) plays. Otherwise not worth IMO. I'm in my 20s so this is great. I also like that it invests in IJH and IXUS. I've had Acorns for 4 years. I'm still on the fence on Stash. I like the diversity it's robo advisor gives me, including some exposure to crypto through BTC and ETH trusts, but I cannot recoup the $3 monthly subscription as easily as I can with Acorns. Stash invests in Bonds (which Acorns does not, at least my portfolio does not) and also invests in VTI instead of VOO, along other small ETF differences. I'm giving Stash some more time. I like the newsletter it offers, I like the UI and I like the Personal Portfolio where I can experiment with my own picks. I've had Stash for only 1 year. Hope this helps!