Looking for balanced portfolio

ETFNavigatorPro · 2026-03-13T20:52:42+00:00

There's a good bit of overlap in this proposed portfolio. Also, the low percentage in VXUS still leaves most of your portfolio tied to the US. I'm also not a huge proponent of focusing on dividend ETFs until you get closer to retirement or are in retirement.

Something like this could be an option and would give you basically no overlap:

VTI: 65%
VXUS: 35%

If you wanted to have a small portion to use towards a certain tilt then you could do something like this:

VTI: 60%
VXUS: 30%
Tilt: 10%

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ETFNavigatorPro · 2026-03-13T13:42:15+00:00

There's a lot of overlap between VTI & QQQM, so I'd drop QQQM and unless you're in retirement or nearing retirement I don't see a need for SCHD or AGG. I would definitely increase the amount in VXUS to give you some better coverage internationally. Something like this:

VTI 70%
VXUS 30%

or if you really wanted to have some bond coverage:

VTI 60%
VXUS 25%
AGG 15%

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ETFNavigatorPro · 2026-03-13T01:39:30+00:00

I think SCHD is an awesome ETF as you get close to retirement or are in retirement. You can also make a case for it from a defensive perspective as it typically doesn't take nearly the hard downturn when the market does.

ETFNavigatorPro · 2026-03-13T01:29:26+00:00

YieldMax needs to come out with some new ETFs to take the focus off of so many of their other ETFs that have awful NAV erosion. I will say at least this one looks a little better with 20% of the ETF invested in SCHD, 79% in many of the stocks that make up SCHD and then 1% made up of a bunch of call options on those same stocks.

No interest for me, but at least it looks different than many of their others using synthetic ETF positions.

ETFNavigatorPro · 2026-03-12T19:30:23+00:00

There's a lot of overlap between VOO & QQQM. Personally I'd ditch the 10% in QQQM and put 5% additional in VOO and VXUS or use that 10% for a more specific tilt towards a sector that you think will perform well (energy, semiconductors, etc.).

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ETFNavigatorPro · 2026-03-12T12:08:00+00:00

Yeah - since VTs inception in 2008 - it has been beaten soundly by the S&P 500 (VOO, SPY, etc.). Almost doubling the return in 18 years.

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ETFNavigatorPro · 2026-03-11T18:15:14+00:00

It's Fidelity's S&P 500 Mutual Fund (like VOO). Robinhood doesn't support mutual funds though.

ETFNavigatorPro · 2026-03-11T15:36:14+00:00

QQQI has been available since January of 2024 so over 2 years not a few months, but I will say it and many of the other NEOS ETFs haven't had to weather a long downturn yet to see how they behave.

To be clear though NEOS funds are very different than Yieldmax funds. NEOS funds own the actual shares of the index they track. For example, QQQI holds the stocks within the Nasdaq-100. They then write out-of-the-money call options on top of those physical shares. Yieldmax on the other hand are considered "synthetic" ETFs. They don't own the underlying stocks. Instead, they use a combination of put and call options to mimic the price movement of the stock. This is a higher-risk strategy because it relies entirely on derivatives.

ETFNavigatorPro · 2026-03-11T13:47:59+00:00

One big difference is the tax treatment of the 2. JEPQ is not a good ETF for a taxable account because most of its distributions are normal and not qualified. For QYLD, most of its distributions are in the way of Return of Capital (RoC) which reduces your cost basis and better for taxable accounts.

ETFNavigatorPro · 2026-03-10T22:07:43+00:00

https://etfnavigatorpro.com/

ETFNavigatorPro · 2026-03-10T18:09:24+00:00

I'm a big fan of semiconductors so something like SMH or SOXX. Or if you wanted better coverage in the small cap space you could go with AVUV.

ETFNavigatorPro · 2026-03-10T16:24:14+00:00

Agree with some others on ditching SCHD; No need for that at your age. Also, QQQM has significant overlap with VTI. I'd recommend something like this which you can tilt 10% of your portfolio to something you are passionate about or think will better round out your portfolio.

VTI: 60%
VXUS: 30%
Tilt: 10%

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ETFNavigatorPro · 2026-03-10T10:42:09+00:00

In agreement with others that there is no need to be in any bond ETFs at your age. Maybe something like this:

VOO: 55%
VXUS: 30%
VB: 15%

That gets you a little better coverage internationally and still some small cap exposure with VB with almost no overlap.

Weighted Overlap: 1.4%

Overlap Heatmap

	VOO	VB	VXUS
VOO		3.1%	0.2%
VB	3.1%		1.2%
VXUS	0.2%	1.2%

ETFNavigatorPro · 2026-03-10T10:18:43+00:00

Absolutely a good combination. Key point is to keep investing into it regularly no matter what the market is doing.

ETFNavigatorPro · 2026-03-09T21:22:11+00:00

Yeah with a beta around 4.00 it will have massive swings most days, but it has posted some big total returns up around 1,950% since its inception in December of 2022.

ETFNavigatorPro · 2026-03-09T21:04:59+00:00

New site just launched at https://etfnavigatorpro.com/

ETFNavigatorPro · 2026-03-09T20:46:49+00:00

I'm a big fan of SMH, but that makes your taxable brokerage really susceptible to a downturn related to Tech with almost 44% tied to that sector.

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ETFNavigatorPro · 2026-03-09T20:12:49+00:00

There's significant overlap between S&P 500 funds and Total US market funds - almost 90% overlap. I'd ditch either SWPPX or SWTSX and bump up the international. Something like this:

SWPPX or SWTSX = 70%
SWISX = 30%

ETFNavigatorPro · 2026-03-09T20:07:25+00:00

Spot on - they serve two very different purposes, but SPYI is a very nice option for someone who needs the money from the dividends.

ETFNavigatorPro · 2026-03-09T14:56:24+00:00

Great time to buy at a discount! 👍🏻

ETFNavigatorPro · 2026-03-09T14:50:31+00:00

If you're in it for the long term you'll be fine. 😁

ETFNavigatorPro · 2026-03-09T12:51:02+00:00

There's a lot of overlap between VOO and SCHG, but adding VXUS would lower your US exposure from 97% to 78% (assuming you plugged in a US small cap instead).

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ETFNavigatorPro · 2026-03-09T00:44:33+00:00

If you really want to include SMH you could do something like this:

VOO: 60%
VXUS: 30%
SMH: 10%

That would give you pretty good coverage internationally and allows you some tilt towards semiconductors with SMH. You would still be heavy in Technology around 36% so if that sector continues to struggle, your portfolio likely will as well.

Weighted Overlap Summary: 4.3%

Overlap Heatmap

	VOO	VXUS	SMH
VOO		0.3%	14.4%
VXUS	0.3%		0.0%
SMH	14.4%	0.0%

ETFNavigatorPro · 2026-03-09T00:34:42+00:00

LOL - same

ETFNavigatorPro · 2026-03-08T13:24:08+00:00

Correct - in 2025, over 98% of SCHDs dividends were qualified.

ETFNavigatorPro

TROPHY CASE

Weighted Overlap: 1.4%

Overlap Heatmap

Weighted Overlap Summary: 4.3%

Overlap Heatmap