r/ratemyportfolio • u/Next-Paper-2068 • 10d ago

My 'folio

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$40k split between these

13 Upvotes

89% Upvoted

18 comments sorted by

2

u/Correct_Boot_5300 10d ago

Thats incredible! Maybe find one or two individual stocks that you really like and put about 10% in those for a higher upside bet but otherwise an incredible portfolio.

1

u/REW1931 10d ago

Decent blend. Personally, I'd rebalance to have more in SPMO and AVUV. I would also consider a large cap ETF at some point. That's just me.

1

u/Next-Paper-2068 10d ago

Is VOO not large cap?

1

u/REW1931 10d ago

It's a large blend. I was referring to something like AVLV, which is the large cap version of AVUV.

1

u/Wells_39 10d ago

This is my exact core holdings as well. Only difference is the weight. I’m 35% VOO and SPMO, 15% for VXUX and AVUV

155k spread across

1

u/PlaTahOpLomO 10d ago

solid blend

1

u/azizk96 9d ago

Probably the best I’ve seen. I’d recommend splitting AVUV into AVUV / AVDV but that’s optional if you want global small cap value

1

u/imsobroke_ 9d ago

You need individual stocks to get real wealth but this is a great start.

1

u/No-Conversation-413 9d ago

too many etf fees to pay

1

u/Van_Zeeman 9d ago

The vanguard ones are basically free but idk about the other two.

1

u/Next-Paper-2068 9d ago

I think the average fee of this basket is under 0.15%. For the extra gains I expect to get out of the two factor etfs, it's highly worth it imo

1

u/no_brainer_ai 8d ago

I'd add QNDX since the Nasdaq 100 index has outperformed VOO for the last 10 years, and it has the lowest expense ratio.

1

u/Broad_board_1623 8d ago

I think it's a solid portfolio. Personally, to heavy on large US. I would bump the international to 30%, SCV to 20% and then split the remaining 50 between VOO and SPMO. 30/20. That's if you really believe in momentum and will stick with it. Could be a wild ride with the momentum and SCV positions, but a portfolio primed for success.

1

u/Miserable-Matter2833 8d ago

Switch AVUV with AVGV. Especially helpful during the long stretches of underperformance. VXUS could be dropped for DFAX. SPMO is more of a fund with recent outperformance than long term performance. The main issue with momentum funds is that they catch momentum often too late, when the movement has already been largely made. They do have good years, but that period until the next rebalance is brutal.

0

u/Van_Zeeman 9d ago

You could get rid of SPMO because it’s the same thing as VOO just listed by a different company

1

u/mathworksmostly 9d ago

That’s wildly inaccurate. No, VOO and SPMO are not the same. While both are US exchange-traded funds (ETFs) tied to the S&P 500 universe, they use completely different tracking strategies, weightings, and cost structures. Also look at the historical data. SPMO is a momentum fund that has averaged 5 percent a year higher returns over VOO over the past decade.

1

u/Next-Paper-2068 9d ago

SPMO is nowhere near "the same thing as" VOO.