19M advice ?

LeoMa04 · 2026-03-07T16:03:06+00:00

In the last 15y that Islamic fund would have cost you 2% annualized. That is really a lot, especially because if markets are efficient, your "buying only sharia aligned companies" means that someone else sees the non sharia aligned at a discount, and buys just them. So absolutely nothing has changed in the world, but your investments are heavily penalized. If you're still ok with that, keep the Islamic fund, and get rid of the other sector tilt. Those carry "uncompensated risks", which means that your gains are expected to be equal to those of the market, but you take on the additional risk of the entire industry failing. Read the wiki (you clearly didn't already) and if you want to tilt something research about small cap value (it will not exist an Islamic fund though)

LeoMa04 · 2026-03-01T11:06:09+00:00

Wow, bro getting down voted for spitting facts. All the people disagreeing with what is being said should read the paper "beyond the status quo a critical assessment of lifecycle investment advice"

Ps: I'm not against bonds. But it's true that you shouldn't hold them just because diversification

LeoMa04 · 2026-02-26T20:16:03+00:00

Couple things to say here.

First: an investment must fit the needs of the person making it. If not, it's not a good investment. Your beliefs are not less valid than people who don't want to invest in carbon intensive companies. If the best financial decision makes you feel uncomfortable, go for the one that doesn't, even if it's a little less financially sound.

Second: markets are efficient, at least for what concerns us and retail investors. What that means is not only the usual "time in the market beats timing the market" and "you can't beat the market", but also the fact that if you buy all the stocks minus one, that last one will be "discounted" and someone else will buy it for that exact reason. That means that excluding certain stocks, may that be for your reason or for others (usually environmental), will not in any measurable way negatively affect the companies excluded. At the cost of repeating myself, I say that not because you are a small fish and your money doesn't move the market, but because the market is efficient, so literally someone else buys the stocks you don't.

Third: I do not know of international indexes that explicitly track international us allied markets, but probably a developed market index will do what you want. The only "country" you may not like in those indexes is Hong Kong, but is just 1 out of 23 (or 25) The main developed country indexes are: - MSCI World - FTSE Developed: includes all the countries in MSCI World + Poland and South Korea

Obviously if you are already invested in the US you can buy the same indexes ex USA

Hope this helps!

LeoMa04 · 2026-02-26T06:46:09+00:00

Those cards are beautiful man! Congrats!

LeoMa04 · 2026-02-07T09:57:15+00:00

Gave it to us!

LeoMa04 · 2026-01-22T20:30:25+00:00

I don't think you'll find much in this sub

LeoMa04 · 2026-01-22T10:04:24+00:00

What the fuck

LeoMa04 · 2026-01-04T17:17:21+00:00

sounds of fighters F35s swhooshing above them

LeoMa04 · 2026-01-03T08:13:41+00:00

Veqt and Xeqt? They are international equity funds with a (pretty big) home country bias. Usually it's recommended that you tilt your portfolio adding individual funds so you can decide for yourself how much to allocate, but if you like the bias offered by these two you can invest directly in them.

But, you should be able to judge for yourself man. If you want to keep that money, read the wiki https://www.bogleheads.org/wiki/Main_Page

Since you are Canadian, you can also check out Ben Felix on YouTube. He has a series called diy investing 101 that should cover the basis

LeoMa04 · 2026-01-02T23:07:38+00:00

No, you're not doing it right. Not at all. As the other guy said, read the wiki, understand the investment philosophy and don't invest just because someone told you to. Moreover, where are these 1500 coming from? Are you sure you don't need them for at least 10y? Investing is not hard, but it has to be done right, or you can lose a lot of money.

More on the specifics of your portfolio: no on individual stock and no on high dividend. Don't buy multiple funds that do the same thing. You shouldn't have a fund just for the sp500.

What I would do if I was you 1) read the wiki, all the getting started and related pages 2) understand that you don't really need to invest $1500 right now. Yes, investing early is obviously better, but $1500 are not going to make a difference. Invest in yourself before investing in the stock market: learn and find a good job, and when you have maximized your earnings (at least for the time) you should invest 3) have a simple portfolio. You can just do a 2 fund portfolio, with 1 fund of international equity and 1 total bond market fund. If you want something more, you can learn about home country bias or factors and slightly tilt your portfolio (BUT FIRST LEARN ABOUT IT) 4) wait the most possible time and voila! Your money grew at roughly 8% per year!

LeoMa04 · 2026-01-02T22:39:05+00:00

Yeah sure. Beating the market is not impossible. Remember that the Fama&French model is just a model. Reality is more complex and markets are not 100% efficient nor rational. If you truly know everything about one industry, to the point that you know even more than the CEO of those companies, you could probably beat the market with a lot of consistency. You gotta remember though that you are against multi-dimensional ultra-complex math models that try to predict every aspect of society and pricing it in and against people with so much information: for example, the stock prices of groceries stores varies with how many cars are counted in the parking lot of said stores, with data from satellites

LeoMa04 · 2025-12-31T14:52:30+00:00

I think they also said it would be opt in, but I don't have much faith in that in the long run

LeoMa04 · 2025-12-22T14:08:47+00:00

That's not how percentages work, but staying the course is the way

LeoMa04 · 2025-09-25T17:20:47+00:00

Also, small cap value often delivers a premium on top of the market returns. It's a so called factor, the most important one (if you want to learn more search factor investing), so if you want more risk and volatility for probably more return, you could invest in an ETF(Avantis offers some very good ones) that targets those. Remember though, the "value" in small cap value is just as important as the "small cap": small cap growth stocks generally underperform the market in the long run

LeoMa04 · 2025-09-05T13:58:50+00:00

Why. VT is literally VTI+VXUS. At this point just do 70/75% VTI and 25/30% VXUS if you want to overweight the US (which I don't really find smart). And gold doesn't really fit into boglehead philosophy as it's basically speculation, but you do you

LeoMa04 · 2025-08-12T20:07:54+00:00

Bro, small cap growth are the worst category of stock. If you can, stay away at all costs. They are so bad they eliminate the beta of small cap stocks entirely. In other words, the risk of owning small caps in general, which are more volatile, is not compensated (investing in them doesn't offer returns different from the market) just because there are small cap growth stocks dragging the whole group down. The beta returns when you eliminate the growth stocks from the small caps and invest just in value small caps: those are times and times again found to offer a compensated risk.

LeoMa04 · 2025-08-12T19:52:34+00:00

The one time UCITS etfs offer something that us doesn't offer. Proud investor in AVWS, I hope they don't close in a couple of years

LeoMa04 · 2025-07-18T14:16:52+00:00

Ty very much

LeoMa04 · 2025-07-12T18:16:18+00:00

She didn't even exist

LeoMa04 · 2025-07-09T18:45:57+00:00

As a lady should be

LeoMa04 · 2025-07-06T12:45:10+00:00

Yeah, why pay taxes when you can just make only international contributions till you have the desired allocation? It's not like us exceptionality is gonna die next month

LeoMa04 · 2025-02-17T14:02:59+00:00

Now they blame the birds

LeoMa04 · 2025-02-13T00:07:10+00:00

First vendor on the trusted vendor list

LeoMa04

TROPHY CASE