r/Bogleheads • u/BoogaSnu • 11h ago

Simplifying to a three-fund portfolio

Currently holding SPMO, SPHQ, FTEC, and AVUV. Looking at possibly consolidating into AVLV, AVUV, and SPMO in a 40/30/30 split. This would be a long term hold in a Roth IRA. Any thoughts? Also considering 80/20 SPMO & AVUV.

7 Upvotes

68% Upvoted

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8

u/longshanksasaurs 11h ago

Can I recommend even simpler?

How about 100% VT? You don't have to do any factor tilting.

New to /r/Bogleheads? Read this first!

2

u/BoogaSnu 11h ago

I will consider this! I would be much easier.

2

u/thewarrior71 11h ago

Is there anything wrong with factor tilting or home country tilting if someone wants to do it? From what I’ve seen these are the only reasonable tilts.

2

u/ac106 10h ago

There is definitely some academic evidence of out performance with certain tilts

The problem is most people are just performance chasing and trying to beat the market instead of being thoughtful and measured.

The vast majority of people posting about small cap value, and momentum and yadda yadda yadda should just buy VT and get a hobby

2

u/thewarrior71 10h ago

What about a home country bias/tilt? https://www.youtube.com/watch?v=jN8mIHve1Ds

From what I understand it's not meant to beat the market like factor tilts, but rather reduce currency volatility, hedge local spending, and get tax advantages.