u/3lucas456

I’m planning to invest a larger lump sum for 30+ years into:

1. VWCE and AVWS, and then continue investing every month. My target allocation is 85% VWCE and 15% AVWS.

I’d like to hear your opinions on whether it would be better to invest the initial lump sum at a 60% VWCE / 40% AVWS allocation, and then buy only VWCE until the portfolio reaches the target 85/15 allocation, or if it’s better to stick with the 85/15 allocation right from the start.

2. Let me complicate it a bit more.

What if I started with 40% SPPW, 30% 5MVL (if I’m going to include emerging markets, I’d rather go with a value fund—but I’d be interested in your opinion on that), and 30% AVWS?

After that, I’d only buy more SPPW until my portfolio reaches a target allocation of 70% SPPW, 15% 5MVL, and 15% AVWS.