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If you were to buy & hold only 1-3 ETFs till retirement, what would it/they be?
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Strengthen my portfolio after selling some holdings. I took positions in VHT, SDY, EWX, GWX, SPEM, and SPDW and XLU because I don't have as much time or confidence picking individual stocks now that I'm almost 40 and starting a family. I may sell a little more tech because I'm up by a large amount
FLIN SPDW SPYG. invest and chill 🍿
Did SPDW just crash? Shows down 20% in after hours.
Combine XLV with SPDW and SPEM if you really want to focus on healthcare, believe in it for the long term. Spreading risks, with high risk/high reward with SPDR(emerging) with the balance of XLV(US Large), SPEM(Developed countries).
Yeah so I still hold VOO but new money in is a lower proportion VOO with higher portions going to gold, SPDW, EUAD, and EUFN. I’m more so buying gold to hedge against the dollar continuing to underperform, which buying European assets also does. I’m buying very specifically European defense ETFs due to what I believe to be emerging hesitance to trust the U.S. EUAD is up 88% YTD. I also felt like other countries were losing confidence in the U.S.’s financial institutions and Europe was on sale. So I’ve been buying EUFN which the total etf is up 80% YTD. I’m buying based on my own personal estimation of where the world is and my belief in where it is headed.
Yeah but over the last 5 years it's 93% VOO and 43% SPDW
Year-to-Date: \- SPDW +20% \- VOO +12%
Don't understand the difference! I'm all SPY/SPDW and some BND/BNDX. Only individual stock is RCAT (5% of portfolio). I stared at the options table today because for shares I got in at $4, went up to $12, and now is at $8, so I'm trying to figure out what's going on with it. Someone said the "options calls" were suppressing the share price, but I have no idea what that means.
Just go with (VT) or (VTI + VXUS) or (VTI + SPDW). These are all ETFs. —>VT = total world stock market. Tracks the “FTSE Global All Cap Index.” Invests in (emerging markets + developed markets). Invests in (small cap companies + mid cap companies + large cap companies). VT, or the index that it tracks — will automatically account for GLOBAL GEOPOLITICAL POLITICS. Aka: If the US were to “significantly lose its economic status,” (FTSE Global All Cap Index), VT will automatically, and overtim, (have a higher allocation to INTERNATIONAL COMPANIES) and (lower allocation to US COMPANIES). ->current allocation: (65% US equities + 35% international equities). ->US loses economic status allocation: (55% US equities + 45% international equities). ->You see the (re-balancing part)? This happens overtime, and automatically. No need to worry about (a single country experiencing hyperinflation/black swan event/etc). —>VTI = total US stock market. Tracks the “CRSP US Total Market Index.” Invests in 100% (US equities) or (US companies). Invests in (small cap companies + mid cap companies + large cap companies). VOO would just track only (large cap US companies). —>VXUS = total international stock market. Does not include US companies. (emerging markets + developed markets). —>SPDW = total international stock market. Does not include US companies. Only (developed markets). ->In my opinion, I would just go with (VT). Simple, and diversified. You do not have to worry so much about certain hypothetical scenarios. Rare events, but you never know what is going to happen in the future
If you want to invest in ETFs, that only track (developed markets). —>VTI = total US stock market —>SPDW = invests in various countries, that fall under the category of being a (developed market). But, does not include US companies.
Why Europe specifically? Are you trying to target other developed economies? Or just expand generally beyond the US? VXUS is a great fund because it's cheap and invests broadly across the entire rest of the world. If you want only developed nations, consider IDEV, SCHF, SPDW, VEA. I'd only do Europe specifically if you are investing in some idea that is tied to that continent.
SPDW (not sure if unhedged) and IGOV
I use SPDW because it's the cheapest expense ratio overall but VXUS is just as good for broad developed world ex-us equities.
I am using SPDW, SPEM and FLAU for international exposures... but keep in mind that any countries are connected to the US
using SPDW, SPEM and FLAU for International exposure
bought COST, SPDW, SPEM, and FLAU
ever look into SPDW or SPEM? or companies that can help with supply chain like CRM or SAP?
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’m 37. l’ve maxed out my roth every year. I’m want to be safe, but also a bit aggressive in the market. What are you alls thoughts on these? Anything I should add? IVV JHMM SPDW
You know what, upon a closer look your idea to go for VHVG + VFEG doesn't seem half bad. You it allows you to have a very broad coverage while probably still outperforming VT due to allocation, which would have been one of my considerations, because there's really nothing more set & forget than VT, since you own basically everything. My other consideration would have been a more aggressive one that's heavier on US stocks, such as VOO/VTI, either standalone (more risk) or in combination with another ETF (either Developed or Emerging). What you have seems to be a decent middle ground that offers higher expected returns than VT while also taking on less risk than you would by going VOO. Unfortunately I wasn't able to look into VFEG because there seem to be upcoming changes to the fund, so perhaps keep an eye on that one. What put me off initially is that Emerging Markets haven't been doing particularly well for a while and I don't really see that stopping in the foreseeable future. For comparison: VTI: returned 85.87% over the past 5 years Vanguard FTSE Developed Europe (Acc): returned 59.82% over the past 5 years SPDW (Developed World ex US): 30.02% returned over the past 5 years MSCI EM (Acc): returned 28.50% over the past 5 years VT: returned 58.82% over the past 5 years We can infer that recently, Emerging Markets as well as ex-US and ex-Europe developed Markets haven't done to well. That might change, of course, since past performance isn't indicative of future performance. But it's something I personally have a look at. And personally, I think the issues in regards to China, which is the biggest player in EM, are gonna persist for a while. I see no reason to assume they won't. As for other players in EM such as India or Indonesia, I simply lack the knowledge there, therefore I can't come up with any reasonable estimates. Funnily enough, the Nikkei 225 has done incredibly well over the past 5 years, even though Japan is the biggest ex-US & ex-Europe player in the Developed Markets and the Developed World ex-US underperformed the Developed Europe so much.
This is what I do. The percentages are money in, not current holdings. It’s all ETF’s. I’m too stupid to make good picks on individual stocks. VOO 40% SPYD 5% BND 5% XLE 5% SPMO 5% VONG 15% QQQM 15% SPDW 2.5% VEU 2.5% SPEM 5%
I am a long-term investor putting money into my Roth IRA. Good appetite for risk, given my young age, though I am saving to buy a home in the next few years. I currently have 45k in my account, fully vested for this year. I would like some feedback on my current spread from someone with more knowledge than I - is there anything here I am not seeing? Thank you! Large cap: SPLG - 30% SCHG - 25% Mid cap: IMCB - 8% SPMD - 7% Small cap: SPSM - 5% VB - 5% International: SPDW - 20%
I am a long-term investor putting money into my Roth IRA. Good appetite for risk, given my young age, though I am saving to buy a home in the next few years. I currently have 45k in my account, fully vested for this year. I would like some feedback on my current spread from someone with more knowledge than I - is there anything here I am not seeing? Thank you! Large cap: SPLG - 30% SCHG - 25% Mid cap: IMCB - 8% SPMD - 7% Small cap: SPSM - 5% VB - 5% International: SPDW - 20%
SPDW has the stocks you’ve mentioned all top ten and low expense but high count of companies 2400+ IDHQ has a much higher concentration of the top stocks you are looking for and only 200+ companies but higher expenses. I’ve been looking for something in between and haven’t found it yet. I’m trying to find a fun that basically covers the S&P International 700 benchmark index @ https://www.spglobal.com/spdji/en/indices/equity/sp-international-700/
Why is it not advisable? Where is that coming from? The overlap is accounted for and desired, that's why it's only 50% VOO, then VTI adds more S&P (on purpose) with a but more US exposure. VXUS is kind of trash so my international is split SPDW/VXUS.
SPDW (etf) International stocks (developed countries) = 10% SPEM (etf) International stocks (emerging countries) = 5%
SPTM and SWTSX are very closely correlated. I see no reason to hold both. At Schwab you may find it easier to purchase SWTSX since you can purchase by the dollar instead of by the share. SPDW is a developed market fund. It does not give you access to emerging markets. So if you truly want to diversify, add emerging markets. I am a Boglehead so my bias is towards simplicity. Adding more funds does not necessarily increase diversification. You can usually get by with one or two funds and be done. Consider either a Total World Stock Market Index Fund or a combination of a Total US + a Total International Stock Market Index Fund.
Is this a joke? VTI is up 19% 2023 spy 26% 2023 SPDW 14% 2023 and QQQ 54% 2023 You would have to overweight VTI to like 70% of the account to beat any of those other indices. This is poor advice brother. Imagine if I added SMH to this discussion...
There is a good chatter about it, but don't look at countries, look at companies. SPDW is a cheap and good etf that gets above average market return for its dev intl objective. GSINX is a top performer if you head MF space.
I am relatively new to this and would love to hear some opinions on my current holdings. Background info: 10-15 years from retirement. Buying in with a fixed dollar amount weekly, and an additional lump some buy quarterly, while also maxing out my 401K. SPLG 30% SPMD 16% SPSM 15% PGX 14% SPDW 13% RLY 6% SPEM 6%
I absolutely should've included that. It's as follows. 24% - VUG 17% - SPDW 16% - VO 14% - SCHA 13% - VTV 9% - XLRE 7% - VWO This is following the "Aggressive" model portfolio. The biggest reason in seeking and insight is my contributions currently outweigh my 401's value. I'm young and still have time on my side though, so I'm just trying to be proactive.
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.
If you are in you 20s, you can adjust to invest more effectively for the next 25 years. Keep VTI and SPDW. Roughly 80% VTI and 20% SPDW. As long as you are employed, keep investing into these 2 ETFs monthly until 5 years away from retirement.
I am complete novice on investing. The only thing I know is just put it on ETF. But I read around here people saying avoid market overlap and to just invest in couple of market. So I feel dumb for doing this in my Roth account, should I just sell them and put it only in one or two ETF? IVV - 5 VTI - 5 ITOT - 5 SPLG - 10 SPDW - 15 SPTM - 5 900 uninvested money
SPDW. Playing ex USA lower valuations
>1m 3m 6m YTD 1y All i 49.2 K 46.7 K 44.2 K 41.8 K 39.3 K 37 9K 36 .9K 34 .4K 32 0K Jul Sep Nov Jan Mar May Jul Sep 2022 52 1,362 GWX Cost 29 .50 -171 Price 26 .21 -1% 21 7997 IVV Cost 215 94 3462 Price 380 82 76% 33 880 SPDW Co st 29 48 -92 57 P rice 26 68 -9% 168 7489 SPLG C ost 43 27 219 71 Pr ice 44 58 3 % 32 1161 SPSM C ost 30 96 171 03 Pri ce 36 31 17 % 12 2148 VB Cos t 113 91781 50 Pric e 179 04 57 16 132 496 VEA C os t 39 02 184 97 Pr ice 376 62 35 25 1953 VNQ 80 94 70 10 78 14 346 20 390 700 VO 121 84 147 005 195 350 60
Need some advice with my Schwab 401k roll over IRA asset allocation, please! I've also included my Fidelity 401k for contrast. I had thought my allocation was OK and had simply left it, but apparently I was mistaken and am not knowledgeable enough (especially with today's markets) to address this effectively and wanted to get some partisan advice here as well as calling up my brokerage advisor later. I realize now that (a) it is not auto-rebalanced and (b) isn't a target date fund. It's lost a great deal of value over the last year (~30%) My own thinking is to just move it all into a target date fund, same as my Fidelity, but I also know that selling when the market is down is a poor move... unless keeping the asset is an even poorer move, which I can't judge. * I am 49, married, no children, in the USA, own our home with about 150k of equity and 400k of debt (bought it two years ago). * Single income household, make 125k/yr (sr software dev). * My risk tolerance is low, given the current markets and looming recession. |ASSET|QTY|%ACCT| |Schwab Roth IRA||| |SCHX|989|58| |SPDW|603|22| |SPSM|401|20| |Fidelity 401k||| |FID FRDM||| |BLND 2035|2123|100|
Yeah, reinvest. It's called DRIP. You can activate it to make it automatic. I recommend some international ETFs for diversity. Also, don't aim for high dividends. People make that mistake but tax wise it makes more sense to go for capital appreciation. VTI, SPDW, and SPEM is what I use. 60% VTI, 30% SPDW, and 10% SPEM.
I just discovered this sub so Im assuming these type of posts are rampant but I want to get advice on reduction / reallocation of my portfolio. Currently I have: VTI: 27% VYM: 20% SCHD: 20% O: 10% SPDW: 10% QYLD: 7% T: 4% rest: small cap stocks It’s been pretty strong TBH atleast the top 4 holdings (I guess most ETFs doing well post covid crash) but I welcome criticism and feedback on ways to improve it. My main goal is steady and consistent returns with some protection from black swan events along with passive dividend payments
I'm having some trouble verifying what a trade lifecycle (buy/sell) will actually cost on TD Ameritrade vs vanguard to open an account on one. I'm looking here and it looks like TD Ameritrade is lower fees for the same preformance but there maybe something I'm not seeing https://www.schwab.com/schwab-index-funds-etfs Thinking SWTSX, SWISX, SWAGX 65/25/9 and SPTM, SPDW, SPAB, SPTS in 65/25/6/3 precent respectively rest cash (1%).
I'm uncertain if I have good investments for my IRA and 401k, especially given the current uncertainty about inflation, housing and interest rates. I'd really appreciate any input on my current holdings that you might have! It'll be especially interesting to compare the advice I receive here to my own thoughts and to the advice that I will get from Fidelity and Schwab advisors (of whom I am a little leery, given the unusual economic times). # Retirement ### Schwab 401k RollOver IRA: * SCHX (SCHWAB US LARGE CAP ETF) qty: 477.5349 ($53,660) * SPDW (SPDR PORTFOLIO DVLPD...) qty: 582 ($21,848) * SPSM (SPDR PORTFOLIO S&P 600...) qty: 394.971 ($18,413) ### Fidelity 401k: * FIAM BLEND TD 2035 T: $38,911.29 ((see screenshot for allocation)[https://imgur.com/a/Nr3p682]) # Emergency Funds & Savings * HMBradley Savings (@ 3%): $11,271 I've opened a few accounts and dabbled in some different kinds of investing, but nothing very serious: ### Sofi * SOFI: 6.21542 ($142) * BYND: 1 ($82) * Ethereum: $20 * Bitcoin: $10 ## BlockFi * GUSD: $100.00 * BTC: $0.59 * USDC: $0.60 # Situation & Goals * White collar tech professional in Vancouver WA USA, 48yo, married, no kids but planning on having two in the next couple years and have my husband act as primary care giver (currently no income/employment and no plans for it), $115k/yr (10% to 401k, employer matching up to 6%). * Target retirement age: 65 * Monthly expenses: $2200 mortgage, car paid off, no credit card debt to speak of, household costs around $1900/mo (groceries, utilities, health insurance, etc). We are homebodies with no expensive habits or hobbies other than enjoying good food either at home or dining out. * Currently renovating basement to create an AirBNB/rental unit, which we're hoping to get us about $1500/mo in income. Costs will be about $20k, and arget completion date is Feb 2022. Will be used eventually as a mother-in-law suite when my mother in law retires in a few years.
SPDW and VEA are good shouts for international funds. They are priced nicely too at $37 and $51 respectively.
Sounds solid. The lowest possible risk with a return above your 2.9% benchmark (hopefully - lowest possible risk doesn't mean no risk) is probably a globally diversified ETF/portfolio). What I would do (and actually do in my boring/saving account) is use SPY, QQQ and IWM to cover US and add SPDW, IXUS, IEMG to diversify away from US only to "world". Your call how to mix those but generally I would do 60-70 US and 30-40% rest of world. If you don't want a lump sum investment (dumping all your money into the market at once) because you may need it short term you can "dollar cost average" and buy for a certain portion every week/month over the near future until all your money is in the market. The benefit is that with multiple entry points you minimize the risk that your entry point is super bad short term. On the other hand you may miss out on some possible return because you likewise minimize the likelihood that you have a lucky entry point. I added to my boring positions today given the dip. But still sitting on cash just for the case it keeps dipping ;)
BRKB, LUMN, UWMC, Ethereum, SPDW, EZU, SPYD, SPY, DIA, all been good performers for me this year.
I just started investing this month, I opened a Roth IRA and put in $2,150.00 in the 2020 contribution. My portfolio split is as follows: ​ |Symbol|Name|Portfolio Percentage| |:-|:-|:-| |SCHB|Schwab U.S. Broad Market ETF|57%| |SPLG|SPDR Portfolio S&P 500 ETF|21%| |SCHE|Schwab Emerging Markets Equity ETF|6%| |SPDW|SPDR Portfolio Developed World ex-US ETF|12%| |SCHH|Schwab U.S. REIT ETF|4%| ​ I understand that I have a lot of overlap between SCHB and SPLG since both invest in the same top holdings with slightly different percentages. Should I sell SPLG and invest in SCHB instead? Or should I put something else? I have 18% in international markets at the moment, thinking of bumping that up to 25% soon, hopefully before May 17th, before the tax year is over. Should I consider something else? I don't have any bonds at the moment because I am almost 23 (2 days, yay!), so I will not needing this money any time soon, but I aim to start adding bonds by the time I'm 30. Also, I cannot invest in Index Funds like SWTSX because I currently live outside of the US, and I need a US address to invest in those. I will move back to America soon, but until then I will stick with ETFs. Thanks!
29 years old, started around the GME craze in January but didn’t take part because I didn’t understand what was going on. Roth IRA 60% SPTM 20% SPDW 20% SPEW
When I don't feel like doing research, it's SPY, DIA, QQQ, SPDW, and SPEM.