This chart says that if you invest a dollar in an S&P 500 fund, about 41 cents goes to the top 10 stocks. That means those ten stocks make up roughly 41% of the index.

If anyone tells you we're not in a bubble, this is why I'm skeptical. To me, this looks like a bubble of the highest proportions. Makes me want to look at gold, bitcoin, or something outside the same names.

The Fed raised rates 25 basis points (0.25 percentage points) on 9/16.

SGOV has gone up 10 basis points in one month; between 9/16 (3.64%) and 10/16 (3.74%). It's SEC Yield is still sitting at 3.74% on 10/20.

Is there any further increase expected – due to the Fed action in September? Or has SGOV capped out at 3.74%?

Both hold the same 500 companies, but RSP gives them equal weight while SPY lets the biggest companies dominate.

Equal weighting is supposed to reduce concentration risk, but over this period, SPY came out way ahead.

So are the mega-caps actually too dominant, or are people overthinking the concentration risk when those companies keep delivering?

I’m really really new to this stuff all I have is an ETF with 45k aud invested into it, I’ve worked really hard for a year and a half to bring it up to that point but I feel as if I need to learn more, but I don’t know where to start.

I’d like to ask your guys advice and guidance for someone without to much knowledge on investments and finances.

Any thoughts on this new etf launch tomorrow?

I'm new to investing and trying to build a 3 ETF growth portfolio and will be DCA monthly. Personally I like tech and believe it will be the main economy and innovation driver for the next decade. Is this a good portfolio?

40 qqqm

40 spmo

20 smh

Please advice. Thanks

VTI

VXUS

AVUV

AVDV

GDE

SPMO

IXN

EWY here

Hello,

I am 36 years old so probably have a 29 ish year investing horizon before retirement. I own a house and most of my savings are currently in cash or CDs because I have no idea what to do.

I like the simplicity of the boglehead vti / vxus and chill, but I have a few major issues with it:

1. Way too much tech. I personally think AI is a bubble and would prefer to avoid allocating too much of my holdings to tech. VTI and VXUS market cap weighting really hampers this. They would also be forced to buy anticipated AI company ipos which I want absolutely nothing to do with.

2. Risk. What if I happen to get unlucky and retire in a recession? I'm basically hosed when I need to sell the shares to live off of. If you count the last 100 years there has been about a 20 percent chance of this which is not negligible. The whole 40 trillion national debt doesn't make me feel any better...

I also looked at factor investing, which seems to make sense as it is way less tech heavy. Not sure how I would divide my portfolio amongst domestic, international, large cap, small cap, value, profit, etc though. Not sure what etfs on what proportions to buy though. It also still has recession risk too.

Lastly is dividendgang. This philosophy makes a lot of sense to me as it is also not tech heavy. In the event of a recession I can just collect the dividends while holding the parent etf.

What would you do under my circumstances? Boglehead, factor, or dividendgang? Or something else? I'm open to all suggestions!

For the long term hodlers are your entries mostly based on mkt price or limit orders

One thing that makes choosing ETFs surprisingly complicated is that two funds can look almost identical at first glance but serve slightly different purposes.

A lower expense ratio is attractive, but it doesn't automatically make a fund the better choice. Holdings, concentration, tracking error, liquidity, and tax considerations can all matter depending on the ETF and your investment horizon.

For example, someone comparing two S&P 500 ETFs might focus on fees, while someone choosing between a total-market ETF and an S&P 500 ETF might care more about diversification and how much overlap they have.

I'm interested in how people here actually prioritize these factors when narrowing down their options.

What's the one metric you check first when comparing ETFs, and has it ever changed your mind about which fund to choose?

I just started a well paying job and want to start investing. I setup recurring investments in the stocks below equally divided at the moment, what do you guys think each ETF should receive % wise? also if I should swap out or add anything else. All advice is appreciated.

I have been using GRID for about a year and a half. I read mainly good things about First Trust, the general idea of GRID seems very solid, $10.5B AUM.

I think that it is a good bet still for what I’m looking for, but it may do better paired with an additional ETF for this overall energy/infrastructure/utilities and AI power buildout.

I am 30 years old, so time horizon is easily 20 to 30 years. I’ve had an eye on possibly adding something like VDE, or XLE for an energy combo of sorts.

Ideas for a Roth holding, as well as my traditional brokerage account. Honestly, any input is appreciated.

Hi everyone,

​I’d like to get your feedback on a long-term portfolio construction strategy I’m developing for a 30-year horizon.

​My goal is to capture leveraged upside while remaining strictly prognosis-free and maintaining structured risk control, while also finding the most tax-efficient way to handle portfolio drift.

​Core Concept & Structural Setup

​Instead of applying a blanket 2x leverage to a global index (like MSCI World), I unbundle the global market into two components:

​Leveraged Satellite: 2x MSCI USA (or S&P 500 2x) ETF

​Unleveraged Core Anchor: MSCI World ex-USA ETF

​Dynamic Weighting Mechanism

​The target exposure is directly anchored to the actual US market capitalization weight in the unleveraged MSCI World Index (currently ~70–72%):

​To achieve an effective US weight equal to the index while leveraging the US portion, the allocation scales according to the current index weight.

​Current target allocation example (~72% US weight):

​~56.7% in 2x US ETF -> yields 113.4% effective US exposure.

​~43.3% in MSCI World ex-USA ETF -> yields 43.3% ex-US exposure.

​Total effective exposure: ~156.7% (effective leverage ratio of ~1.57x).

​Key Advantages & Open Questions on Execution

​Asymmetric Risk/Return: In bull markets, the leveraged US component captures the primary global growth driver. In downturns or sideways trends, the unleveraged ~43.3% ex-US allocation acts as a buffer against volatility decay and deep drawdowns compared to a full 2x World ETF.

​Rebalancing vs. Cash-Flow Adjustments: I am currently evaluating the best way to maintain these target weights over time.

​Option A: Adjusting target weights strictly via new contributions/savings plans (e.g., annually on Dec 31) to prevent capital gains taxes and tax leakage.

​Option B: Periodic hard rebalancing (selling/buying) to strictly maintain the target leverage and regional balance, despite the potential tax drag.

​Dynamic Drift Correction: As US market share shifts globally over the decades, the target allocation will adapt to mirror the parent index without emotional intervention.

​What are your thoughts on this setup regarding long-term volatility decay, tracking error relative to the parent index, or potential friction during long-term secular market shifts? Additionally, how would you weigh the trade-offs between pure cash-flow alignment versus active rebalancing in this specific setup?

Salve, a Febbraio/Marzo dovrebbero entrarmi un po' di soldi per la vendita di un appartamento. Ho 48 anni e vorrei investire tutto in unico Etf. Ovviamente lascerei una parte per le necessità familiari. All'inizio pensavo a WEBN ma siccome penso che in futuro le small caps potranno performare bene ho cambiato idea e vorrei fare tutto su VALL. La mia ottica è di un investimento da non toccare per 15 anni. Che ne pensate? Per completezza dico che potrei sopportare eventuali perdite del mercato , già avute in passato.

Grazie per le vostre opinioni

Alright so I've got all my money invested in VT. Not a lot. Around 2K and planning to invest 350 every week.

I just found out about the 30% WHT on dividends and some stupid estate tax in case of death. I'm non-US.

I've been researching and found VALL and VALU ( they're the same apparently but VALU trades in USD which is easier for me)

Is VALU actually the same thing like VT? Should I sell my VT and just invest it in VALU now? Or should I just keep the VT and do future investing every week in VALU instead?

Thanks for the help!

Gold is consolidating from March. Inflation sticks around. Do you think actual prices are attractive?

Looking at the Magnificent 7 and broader US tech sector, valuations still seem quite elevated compared to historical averages. While earnings support much of the growth, macro uncertainty remains.

Are you guys still regularly DCAing into standard indices (S&P 500/Nasdaq), rebalancing into defensive sectors, or taking a wait-and-see approach with high-yield cash reserves? Curated thoughts from long-term holders would be appreciated.

I've been thinking about how easy it is to keep adding ETFs to a portfolio because each one seems to offer something useful: large-cap growth, dividends, small caps, international exposure, bonds, a particular sector, etc.

Individually, each fund can make sense. But eventually, you have to wonder whether you're genuinely diversifying or just buying different combinations of the same underlying stocks.

For example, holding a total-market ETF alongside an S&P 500 ETF and a large-cap growth ETF might look like three separate investments, but there's obviously going to be significant overlap.

On the other hand, having multiple ETFs isn't automatically bad if each one serves a clear purpose in the overall allocation.

I'm curious how people here decide when a portfolio is sufficiently diversified. Do you prefer keeping things simple with two or three broad-market funds, or do you intentionally build around several specialized ETFs?

More importantly, what makes you decide an ETF deserves a permanent place in your portfolio rather than just being an interesting fund you could buy?

Primarily real estate is my preferred mode of investment/work however I sold off a property over summer and put a portion of that into a brokerage. Initially I bought 3 funds (VTV, VTI, VDE) and then, about a month later I spent the remaining amount on 2 more (SCHD and QQQM). So far I have enjoyed the experience as well as pleased with the overall return.

I am depositing another amount in my brokerage and I was planning on buying 2 other ETF's with them (VYMI and XUL) however that got me thinking, is chasing a myriad of ETF's the best thing long run? Would it be "smarter" to simply put the new money into the existing ETFs I already have?

Debuted in September.

"The Invesco Nasdaq International Innovators 100 ETF (Fund) is an index fund that seeks to track the performance of the Nasdaq International Innovators 100 Index (Index). The index selects 100 members of the Nasdaq Global Ex United States Large Mid Cap Index with the highest multifactor Innovator Score, based on R&D intensity, revenue growth, and gross margin metrics, using a modified free-float market capitalization weighting methodology. The index is rebalanced quarterly in March, June, September, and December and reconstituted in June and December."

Good idea? Bad idea? Maybe in certain conditions? I’m 72 with 50% in covered call dividend income ETFs , 4 in my Ira and 2 in my taxed account. Worth noting I have 4 years expenses in SGOV. I set all the CC ETFs to have stop loss orders set at 10% down, but after some thought maybe should set them lower or just cancel them altogether. Any advice?