JIVE

Jealous_Bookkeeper20

When you hold SGRT and FMTM alongside AVLV, you are mixing growth and value tilts with momentum in the same U.S. large-cap universe. Combining these factors in a 25/25/50 split effectively replicates a core index like VOO or VTI. The problem is you are paying active management fees to do it. SGRT charges 0.59% and FMTM is 0.45%. Rebuilding a total market index this way creates a massive fee drag compared to just holding VTI at 0.03%. The same issue applies to the international side. JIVE charges 0.55%. If you put 40% of your stock allocation into high-fee active funds, you are losing a significant chunk of your inheritance compounding power to management fees. On a $500k portfolio, a 0.40% average fee drag is $2k a year, which compounding over 20 years eats up over $70k of your final wealth. Are you holding these in a taxable account or a tax-advantaged one? Using short-term bonds to cushion the inheritance makes sense if you have low risk tolerance, but holding 40% in cash/bonds specifically to buy a dip usually backfires. You end up sitting on cash drag for years waiting for a crash that might not drop prices below where they are today. If you want to tilt, keep it to a 10% allocation in something like AVLV on top of a low-cost core index fund.

Glum-Gur-1742

JIVE A** MFERS & NARCISSISTIC BITCH. Hilarious 😂

Pure-Alternative-515

I really don’t like ETFs with thousands of holdings. Much rather own JIVE, FRDM, MELI, NU, MITSY. AVDV good too

iceland00

JIVE has been great for me.

PashasMom

A lot of LCV is going to be heavy in FAANGS, NVIDIA, and so on. For example, I just looked at FDRR and the top 3 holdings are NVIDIA, Microsoft, and Apple. But others will be less so -- VTV has no tech stocks in its top 10 holdings. You should be able to see holdings on Morningstar. Ways to avoid: sector funds (industrials and energy seem to be doing well, check on FIDU and FUTY). International value is having a bang up year and has very little technology and certainly no FAANGS etc. You could look at FIVA, JIVE, DFIV, VYMI, or even small/mid cap international value such as AVDV or DISV,

eyetin

JIVE

Pure-Alternative-515

I would rather invest in SCHD/DGRO over JNJ and VXUS. I know it is not the boglehead way, but I believe that SCHD diversifies me away from the S&P500, and I do agree with people that say most companies are global these days so international exposure is not as important. If I bought international I would probably go AVDV + IPKW/JIVE but have not looked into it that closely.

floppy_panoos

Lady at the gas station confused Butterbean with Butterball cause she a JIVE ASS TURKEY!