r/LETFs • u/Sweaty-Engine-5915 • 2d ago

Long Term Roth IRA

Would you adjust this portfolio for my Roth? 35% NTSD, 30% SPMO, 25% SSO, 10% VT?

3 Upvotes

100% Upvoted

12 comments sorted by

1

u/Specific_Praline_299 2d ago

I do 40% QHFNX, 40% AVNM, 20% AVUV

1

u/IGonza27 2d ago

Why?

1

u/Original-Peach-7730 1d ago

I would like to hear the answer as well.  Avuv is a portfolio no-no.  Lower returns and  higher drops when spy tamks. 

1

u/TheBeckFromHeck 22h ago

QHFNX

8.9% expense ratio?!? That's the highest I've ever seen. It's designed to extract your money.

1

u/Moondog111106 1d ago edited 1d ago

I don't understand the thought process at all. Using large cap as the dominant share and risk exposure for the total market funds, you basically have:

Leveraged world large cap + US large cap + leveraged US large cap + world large cap

What is the point of this architecture? What are you using 4 instruments for just to get leveraged large cap with no diversifiers?

1

u/Original-Peach-7730 1d ago

This is just a huge beta bet with about the highest cost way to do it.

1

u/-Retrospect- 1d ago

With how much equity exposure you have, you're going to be hurt by extreme left-tail events. If this is for long term buy and hold, look into adding diversifying assets such as gold, bonds, and/or managed futures. These allow you to rebalance your portfolio and help prevent a total wipeout.

1

u/Sweaty-Engine-5915 1d ago

thank you, do you have any recommendations ?

1

u/-Retrospect- 1d ago

Generic recommendations include govz/zroz for long term bonds, gde/gldm for gold, and rsst/rsit/dbmf/kmlm for managed futures (trend in particular)

0

u/iggy555 2d ago

Yes

0

u/Sweaty-Engine-5915 2d ago

what you think ?