▲ 2 r/ETFs

AVGE or AVUS+AVNM

I already have AVNM, so I’m not sure if it is worth selling to get AVGE or just get AVUS too. Although AVGE just means one less ticker. 🤔

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u/Clear_Preparation_85 — 3 days ago

Portfolio dilemma

I’ve trying to look for a way to simplify my portfolio, but every backtest I seem to do points to my current portfolio being the best. What do you all think about my portfolio?

Here is a backtest I ran. I only went back to 2023 because two of the Avantis funds haven’t been around long enough.

https://testfol.io/?s=gwXuOW5xrjG

u/Clear_Preparation_85 — 3 days ago

New portfolio strategy

Decided to go a different route with this multi-factor portfolio with a semiconductor conductor satellite in my ROTH IRA. It’s aggressive, I suppose, but I’ve got at least 20 years until retirement.

u/Clear_Preparation_85 — 7 days ago
▲ 6 r/ETFs

Quality and Value?

Just recently added AVUV and AVLV to pair with SPMO. Is there a need to add a quality ETF? Would it pair well with those?

My current portfolio is 40/40/10/5/5 FZROX/SPMO/SOXQ/AVLV/AVUV

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u/Clear_Preparation_85 — 8 days ago

Does this portfolio seem alright?

I’ve been on the fence about it. What’s your opinion? I’ve got at least a 20 year timeline.

This is in a ROTH IRA.

u/Clear_Preparation_85 — 10 days ago

Did I get in at the wrong time?

I’ve only been investing for a month and my portfolio has just seesawed back and forth and I’m not getting anywhere. Currently sitting -$5 all time. My portfolio is kind of aggressive, but not as much as other peoples I see on Reddit. Is the market just being weird right now? I’m starting to get a little frustrated.

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u/Clear_Preparation_85 — 11 days ago

Testing a 5-fund portfolio

I’ve put a lot of thought into this, based on my current investment goal, and decided on this 5-fund split.

45% FZROX

30% SPMO

10% SOXQ

7.5% SCHF

7.5% FPADX

I’m obviously favoring tech, but at least I now have some international exposure that I didn’t have before. And I split international into these two funds because of the weight in TSMC and SK Hynix vs a total international fund like FZILX. I also get some extra ASML exposure this way.

I’m going to test it out for 6 months to a year, and if I don’t see a real benefit to splitting up international, I will switch to FZILX.

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u/Clear_Preparation_85 — 15 days ago
▲ 9 r/ETFs

SMH or FSELX🤔

I narrowed down my 10% satellite to SMH or FSELX. I have a ROTH IRA at Fidelity with 40/40/20 split currently with FZROX/SPMO/SCHD. I’m going to trim SPMO down by 10% to make room. SMH has the lower expense ratio, but FSELX has slightly higher gains and I like that it pays capital gains two times a year. From what I have researched though, the capital gains payout doesn’t really matter. Physiologically though, that would be nice to see enter my account to DRIP. But then again, FSELX is really heavy in Nvidia and TSMC is practically nonexistent.

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u/Clear_Preparation_85 — 16 days ago
▲ 3 r/ETFs

Tech tilt suggestions

Currently in FZROX at 40% and SPMO at 30%. I want to add 10% in a semiconductor ETF. Options I am considering are SMH, SOXQ, CHPX and CHPS. Any thoughts or alternative suggestions?

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u/Clear_Preparation_85 — 17 days ago
▲ 14 r/SCHD

Defense or Income?

Do you primarily invest in SCHD as a defensive play or for dividends? My current ROTH portfolio is 40% FZROX/40% SPMO/20% SCHD and I am using it for both reasons. I like the idea of the extra income to reinvest as I don’t make a ton of money to invest a lot per month. I’m 42 and just started investing, so I wonder if it just going to slow down my growth, but I know some people use it as defense against volatility and I know my allocation of SPMO is aggressive. Also, do you reinvest your dividends from SCHD back into SCHD or into your other funds?

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u/Clear_Preparation_85 — 20 days ago

Picked a strategy and sticking to it

I’m a little nervous because I am being somewhat aggressive and the market hasn’t been great the past few days, but I keep switching strategies. And as a new investor, and I need to stop. So I’m going to ride out my portfolio of 50% FZROX, 40% SPMO, 10% SCHD for a bit. Bad idea? Maybe. And I know, I know, international blah blah…

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u/Clear_Preparation_85 — 27 days ago
▲ 2 r/ETFs

FDMO vs SPMO

I can’t really find much info about FDMO, but SPMO gets mentioned all the time. When I checked the overlap between the two, there was only a 28% overlap. I currently have SPMO in my Roth IRA. I don’t really like the fact though that they change out companies every 6 months. FDMO does it every 3 months, which I like better. Just don’t know if it is worth switching. I know SPMO has done pretty well. Does anyone know anything about FDMO?

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u/Clear_Preparation_85 — 1 month ago
▲ 0 r/ETFs

FZILX or SCHF

Thinking about adding international to my portfolio because everyone one Reddit seems to think I am being too aggressive. Currently 60%FZROX / 20%VGT / 20% SPMO. But what do you think about adding SCHF instead of going total international?

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u/Clear_Preparation_85 — 1 month ago
▲ 1 r/investing_discussion+1 crossposts

FZROX/VGT/SPMO

I just got into investing and this is my current portfolio 60% FZROX/ 20% VGT/ 20% SPMO. I’m 42 years old and really don’t have as much money saved up as I would like to ($3,000 in a HYSA), so I am trying to be fairly aggressive to play catch up. Does this seem like a solid choice of ETFs? I’m currently only investing $100 a month, with hopes of gradually bumping that up over time.

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u/Clear_Preparation_85 — 1 month ago

Just getting started

I started investing with a ROTH IRA from Fidelity. I am older and inexperienced. I have set up my portfolio with 70% FZROX, 20% FDVV, 10% FZILX. I don’t make a lot of money and can only invest around $100-150 a month. Does this split seem efficient? Trying to make my portfolio diverse while still generating as much income as possible to keep reinvesting.

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u/Clear_Preparation_85 — 1 month ago

New investor looking for takes on my portfolio.

I decided to keep it relatively simple. I went with FZROX, FZILX, and FDVV in a ROTH IRA. Does this seem solid? I haven’t quite figured out my exact percentages yet for each one. Any advice on that would be appreciated as well. Currently, it’s sitting at FZROX- 69.71%, FZILX- 6.67%, and FDVV- 23.50%.

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u/Clear_Preparation_85 — 2 months ago

I’m 42 and want to start investing

I might be late to the game, but better late than never. I am completely clueless about investing though. I just switched to SoFi from US Bank for my banking because I wanted a savings account with a better APY %. I only have $2000 in savings and feel like I should let that build up a bit before starting to invest. Should I use SoFi’s investment account or use something like Robinhood? Realistically right now I could only invest $50 a month, which I know is chump change. Hopefully I can increase that to $100-150 a month after my savings builds up a little more and I can pay off a credit card bill that I have. Then, will be the task of choosing what to invest in. Any suggestions on that would be greatly appreciated.

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u/Clear_Preparation_85 — 2 months ago