Hey all,
Looking for some confirmation/advice on the following blend of ETFs that we plan to invest in for the next couple decades to aid in hopefully retiring (mostly) a bit early. We plan to place recurring deposits and invest in the blend below. We will not be looking to withdraw anything for at least 15 years and have enough in HYSA as an emergency fund.
What do you think? Is this blend too conservative or not conservative enough?
Thanks!
40% VOO
20% VTV
10% VGT
10% VOT
10% VBK
10% VXUS
15-20 year early retirement brokerage account
byu/slickandquick ininvesting
Posted by slickandquick
4 Comments
So… you want to overweight large cap value (VTV) while also overweighting large cap tech (VGT) and then overweight small and mid cap growth? What on earth is your justification for this mix of funds?
This looks less like diversification and more like VOO with a bunch of extra opinions stapled on. If this is 15-20 year money, I’d rather own one broad core than six overlapping US equity bets.
spym
I’d look at the mix used by Vanguard target date funds as a starting point (they have thought this through). Perhaps as a core holding then add other funds for any “tilt” you prefer. Example: VTIVX (2045 target date, 0.08% fee) with some VXUS added if you want more international then the 35% VTIVX uses. Or maybe VTIP for some inflation protection (which Vanguard will later add as the target date approaches).
[https://investor.vanguard.com/investment-products/mutual-funds/profile/vtivx#portfolio-composition](https://investor.vanguard.com/investment-products/mutual-funds/profile/vtivx#portfolio-composition)