VMNVX

PrimusPilus

For ethical as well as market bubble reasons, I've been trying to stay away from funds that contain Tesla (or anything to do with Elon Musk), Nvidia, and most of the big tech companies that are (probably disastrously, IMO) pot-committed to capex in AI build out. Vanguard makes it pretty easy to research their funds on their mobile app (or website), so you can get a feeling for what sectors and companies account for what % of the fund's holdings. One fund of theirs that I like for this current moment is VMVFX (VMNVX as Admiral Shares, $50k minimum investment for that); it's the Vanguard Global Minimum Volatility Fund. Steady ~8%+ annual return over 5/10 year splits, and its Top 10 holdings (by %) are: * Taiwan Semiconductor * Shell * Coca-Cola * Johnson & Johnson * Swisscom AG * AmerisourceBergen Corp * Waste Management * United Microelectronics * McDonald's * Boston Scientific All of which is to say, you can curate your own portfolio, but if you don't feel like micromanaging your investments, there are funds out there that steer clear of the obvious looming danger zones.

Isaac459

Vanguard has a low volatility fund that performed very well in the most recent downturn in 2022: VMNVX. Expense ratio is 0.14. I actually thought of doing something similar to your idea, but I found that VMNVX has a lower standard deviation than any combination of utilities, staples and healthcare.

Savik519

VMNVX

Isaac459

Data for VMNVX only goes back 10 years ago so I don't think it's a long enough time frame to make any firm conclusions good or bad. I will say though: in that time it has a higher risk adjusted return than VT and any combination of VT/BND. And it also has a higher absolute return than even 80/20 VT/BND.

TimeToSellNVDA

Actually, when I compared VMNVX and VT on portfolio visualizer, VT had higher CAGR and VMNVX had higher sharpe ratio and risk adjusted returns. Which is kind of what I would expect? Great ETF/factor. Perfect for risk averse. But not without a downside right?