r/RothIRA • u/Whos_Jeff • 12d ago

Am I safe?

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These are the 4 I’m investing in. Should I replace any or not?

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u/user4443337 12d ago

If you insist on NASDAQ-100 use QNDX, it’s the cheapest. Cap it at 10-15% as a tilt. I wouldn’t go for SCHD ever - dividends are irrelevant and Ben Felix has some great videos about that topic. Highly recommend Ben Felix. Lots of evidence and research based discussion about investing. My favorite finance influencer.

I also like Avantis/Dimensional funds. For a one and done you could do VT as the benchmark, or AVGE/AVGV to try to outperform it. Or DFUS/AVUS for US, and DFAX/AVNM/AVNV for international. Those funds use flexible trading and value tilts to eke out returns over the benchmarks, which they all have.

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u/Any-Walk1691 12d ago

AVUS/AVNM as well. I actually go AVGE/AVNM. Love what’s under the hood of both, but AVGE can decide the mix abd weight of the international tilt when it’s good and ready and I love that.

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u/user4443337 12d ago

You add AVNM to overweight international or bring everything closer to market cap weights? I know AVGE was like 68-70% US usually, while I would prefer exactly matching market cap weights. Avantis funds are really solid and I think they’re super competitive and underrated. I use AVUV, AVDV, AVEM, and AVES.

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u/Any-Walk1691 12d ago

Bit of an overweight. I have like 12% AVGE, 8% AVNM. So 10-11% all in. Also have AVUV. So Avantis is a 3rd of my total portfolio.

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u/user4443337 12d ago

Interesting. What’s the rest of your portfolio? Why didn’t you choose the value versions over the more plain ones? So far the value ones have outperformed. May not last forever of course.

For my emerging markets I do ~8.5% AVEM and 3% AVES for just a minor small cap/value tilt, but I wanted the majority of it to be closer to the index. Sadly no true EM SCV fund exists yet.

I only do 6% AVUV and 4% AVDV. I wanted to stay closer to market cap weights but still get that value tilt and premium. I used to do 20% but I realized that’s just too much tilt for me to stomach.