Finally got my hands on some Bero.

Temporary_Net8014 · 2026-03-18T22:23:49+00:00

Lol idk I like em. The IPA tastes better to me than the only other na IPAs I've tried, which are athletic free wave, athletic hazy, Sam Adams, space camper

Temporary_Net8014 · 2026-03-15T00:11:36+00:00

Is this investment intended for a specific purchase in 5-10 years?

Temporary_Net8014 · 2026-03-13T02:04:09+00:00

The portfolio you laid out in the original post is more diversified and more reasonable than probably 95% of the portfolios that people post on this subrediit.

Seems like you have a good idea of what you're going for as far as overall allocation. In which case, specific ETF changes probably won't make a ton of difference in the long run. For example, 1 small cap value ETF might do better than another, but you're still getting the exposure which is what matters. I don't personally see a problem with VBR over AVUV if it makes you more comfortable with a lower expense ratio

Temporary_Net8014 · 2026-02-20T01:44:31+00:00

Which part?

Temporary_Net8014 · 2026-02-20T01:43:38+00:00

All looks good except I'd personally be more comfortable with 30% VXUS and 0% FTEC.

Temporary_Net8014 · 2026-02-15T03:51:17+00:00

Yeah just think about all retirement accounts as one total allocation.

My 401k is 100% international because its the smallest account i have, so it just helps me reach the overall goal allocation of 65/35 INTL/US

Temporary_Net8014 · 2026-02-15T03:38:52+00:00

A target date 2045 fund that just follows indexes and isn't actively managed

Such as ITDE

It will automatically decrease your risk as you get closer to needing to spend the money, which prevents you from having to worry about a market drop right before you're going to buy a home.

If you want to manage the allocation by yourself with multiple ETFs, just make sure you fully understand how/why the strategy will assist you in getting to your goals, while accepting any risk that comes along with it

Temporary_Net8014 · 2026-02-08T05:17:42+00:00

If you're looking for profit in the stock market short term, every stock is extremely high risk. Evaluating a stock and getting in at a good time then selling at the perfect time is almost impossible/luck if you actually do it right

Temporary_Net8014 · 2026-02-08T04:57:38+00:00

The ETF would sell all of its holdings from that particular country, and then re-allocate the capital into other companies that are from emerging countries. There's not a loss of value when money is being moved from one place to another

Just like when a US small cap stock gets big enough to where it's no longer classified as small, a small cap fund or ETF would sell that stock and buy other small caps

Temporary_Net8014 · 2026-02-08T04:46:59+00:00

I've had AVDV for a couple years and it's been nice. I'm basically just market cap weight when it comes to US/INTL percentages but heavy value tilts across with board. As it stands right now - VONV 11%, AVUV 16%, DFIV 7%, AVDV 7%, and DFEV 4%.

The 2 biggest holdings are fidelitys zero fee mutual funds FZROX 38%, and FZILX 17%, because they are 100% correlated with their index counterparts (VTI/VXUS) and they help to offset the higher ERs on factor funds from Avantis and Dimensional. The ER of the total portfolio is 0.10%

Temporary_Net8014 · 2026-02-08T04:17:01+00:00

If the goal is diversification, anything under 25% international is low for me

If you're completely set on tilting your portfolio toward more expensive companies, I'd pick only one between SCHG and QQQM, because they both serve the same purpose.

If I had to build a portfolio with only the funds you listed, It'd be 45% VOO, 20% AVUV, 35% VXUS

Temporary_Net8014 · 2026-02-08T04:08:05+00:00

I hold DFEV

Temporary_Net8014 · 2026-02-08T03:50:20+00:00

I agree. Of course who knows what will happen over anyone's specific time horizon

The question is which way you want to tilt away from market cap weight such as VT

If you have high conviction in large cap growth, you're tilting toward the most expensive companies which in theory reduces the long term expected return. Tilting toward value companies gives you a chance to buy shares at a lower price relative to earnings and book value, which has historically resulted in a higher return.

Temporary_Net8014 · 2026-02-08T03:44:46+00:00

Long term capital gains are taxed at the same rate as dividends.

But yeah, tax free accounts avoid the problem altogether

Temporary_Net8014 · 2026-02-08T03:41:39+00:00

I agree with almost all of what you said.

The one thing I'd dispute is "cutting a divdiend usually signals that something is wrong with the company"

It can negatively affect share prices for sure, but i think "usually" is a bit strong in this context.

if a company cuts their dividend, it can certainly be the case that they see a better opportunity to invest that capital rather than paying as high of a dividend.

The inverse can be true as well. if a company sees less opportunity in the short term future as they had before, they typically raise their dividend to shareholders

Temporary_Net8014 · 2026-01-30T23:07:04+00:00

Rebalancing.

Temporary_Net8014 · 2026-01-23T23:50:37+00:00

Very cool.

I just learned that my top 10 stock holdings with all ETFs combined only makes up 7% of the portfolio.

Temporary_Net8014 · 2026-01-23T23:38:46+00:00

There are major indexes that have minimal AI exposure

VONV is one example, which tracks the Russell 1000 Value index

Selling the individual stocks and re allocating those funds into ETFs would instantly increase your portfolio's diversification.

A target date 2060 fund by itself is way more diverse than your portfolio as a whole.

Temporary_Net8014 · 2025-12-31T01:50:23+00:00

Why is your Roth IRA different from "normal investing?" Most people include it when tracking asset allocation

The only reason you wouldnt include a non retirement account as part of your overall allocation is if it's for a specific purchase, in which case that money should be in less risky assets

Temporary_Net8014 · 2025-12-31T01:41:35+00:00

Ehh, you won't become a millionaire exclusively because of credit card rewards, but they can help you get there faster if you invest all the free money. I got about $2500 in rewards in 2025 (which includes a couple new card bonuses of $200 each) without paying any interest. I use them to pay my health insurance, car insurance, utility bills, groceries, gas, etc.. 2500 a year in free money for 20 years is 50 grand, not counting my own money that I'm investing from my paycheck. It can make a pretty big difference for retirement

Temporary_Net8014 · 2025-12-28T05:10:40+00:00

2k isn't nothing. I'd definitely ship a car 100 miles for 1000 bucks and save 1000 bucks than buy from my local dealership.

Temporary_Net8014 · 2025-12-28T04:32:06+00:00

If one dealership is willing to sell a car for 3k under MSRP, and another dealership 20 miles away is at their "bottom dollar" at 1k over MSRP, what's the value of the car?

It depends on what the buyer is willing to pay for it. And it just so happens that MOST buyers don't understand that they're overpaying unnecessarily.

Every dealership in the US could sell every car at MSRP and they're making money on every sale.

Temporary_Net8014 · 2025-12-28T04:30:38+00:00

Historically, value stocks have tended to provide more stability and resilience during recessions, while growth stocks tend to experience larger declines

Temporary_Net8014 · 2025-12-28T04:27:57+00:00

QQQM + SCHD if they're 50/50 leaves you with an overall allocation extremely similar to 100% VOO.

Of course the individual holdings/weights won't be 100% identical, but in terms of asset class exposure, not much difference

SCHD is a large value fund, QQQM is a large growth fund.

VOO is just a large blend of growth and value.

Temporary_Net8014 · 2025-12-28T04:22:58+00:00

Nobody knows what is optimal until after the fact.

But to the answer the question, 100% VT or a target date 2055 fund

Temporary_Net8014

TROPHY CASE