AVUV
Avantis U.S. Small Cap Value ETF
stock NYSE ETF

Thanks for the data, really helpful.
Looks like VOO + AVUV is good enough for the long term.

Looks good to me.
I wouldn't sell anything to re allocate, but you can diversify more with new contributions by adding to your positions in AVUV, AVDV, and VXUS

Take those palanteir gains and dump it into VOO/AVUV/VXUS

I can't believe people are still buying VTI and VXUS. I'd look at SCHG, DGRO, XMMO, AVUV and VGK instead.

It's pretty bad. Also, holding SGOV and AVUV makes no sense.

Yes. I think that is too much tech exposure.
Unless you like gambling, it does not make sense for retail investors to play with individual stocks.
I actually do not have a huge issue with 5% gldm. I just think a lot of investors are getting into gold today because it's red hot right now. Personally, I'd prefer a trend strategy for commodity (and currency and equity) exposure. You get it with ETFs like KMLM, MFUT, CTA, DBMF, etc.
I dont think it makes sense to forgo EX-Us stock exposure. If I had no choice but to be 100 percent USA, I would want a deep value tilt. You get that with AVUV, as well as ETFs like QVAL, RPV, MYLD, SYLD. These are ETFs that would have probably done very well in periods like the Lost Decade, but have kind of been duds recently. I dont like having too much exposure to what has performed well recently.
Just my opinion. There are a lot of different ways to invest successfully.

Instead of investing in QQQ, I invest in FTEC + SPMO. I think tech and momentum outperform large growth for the growth portion of a portfolio. It’s up to you if you agree but compare them and maybe you’ll see what I mean. I would also raise AVUV quite a bit. At least 20% but I think it should be equal to the growth portion. If the AI bubble bursts as bad as the dot com bubble it’s going to be a long road of recovery and during that time AVUV will be performing like tech is now. So 40-50% VOO, 25-30% QQQ, 25-30% AVUV. Or maybe 40% VOO, 20% SPMO, 20% FTEC, 20% AVUV.

In my late 30s I got a job that was a huge pay increase for me. I also had almost no savings, but fortunately had little debt. So I decided to start investing. I went to my primary source for all things money-related: Dave Ramsey. I opened up a Vanguard account and proceeded to naively buy 4 different actively managed Vanguard funds with “growth” in their name. The market took a downturn, and I freaked out and hopped out of those funds. Over the next several years, I spent lots of time getting ahold of any investing information I could find and researching how to invest. I finally settled on a global index portfolio with a small cap value tilt. I wish I would have known this to begin with, because who knows how much money I lost trading in and out of various funds over the years. For me, it’s VT plus AVDV and AVUV for retirement savings. The performance has been fantastic, and I will never again waiver from this formula. If only I could roll back the clock…

If I had 40 years to invest I would definitely do 25% SPHQ, 25% SPMO, 25% AVUV, 25% FTEC. Or add an international fund like IDMO, AVDV, or VXUS and do 20% each. It’s the best portfolio for long term growth… in my humble opinion, of course.

I too am tech heavy. I couldn’t imagine tech not outperforming in y lifetime even if it has periods of major drop. However, I would recommend IGV for software. Tech has cycles and it starts with semiconductors and then goes to software. I would put an equal amount into SMH and IGV. I personally would cut QQQ. It only performs well because of tech and since you already have tech specific funds it becomes pointless. I personally balance my tech with SPMO, SPHQ, and AVUV, but I don’t know if those are available in the UK. The next best option is 50% VOO or VT and 50% tech. But when it comes to tilting a portfolio I believe you should do an allocation based on how much faith you have in that tilt. If you are 50% sure tech will outperform, go 50% tech. If you are 80% sure, go 80% tech. 10% go 10%. But it would be good to balance the rest with something that is the opposite. Small cap value, AVUV, is the opposite. low volatility like SCHD is also the opposite. Honestly doing 50% AVUV and 50% SCHD of the percentage you don’t allocate to tech would likely be a good move since small cap value will do well during market recovers and SCHD would lower volatility. But personally I like investing in small cap value, large cap quality, large cap momentum, mid cap momentum and tech, with the highest allocation to tech.

I was thinking of doing 90% VONE 10% AVUV. I figured there are a lot of shit companies in the small cap space and this strategy is VTI minus the shit companies. And the 0.25 ER isn't bad if it's only for 10% of my port.

I started investing at 47 so I’m right there with you. In fact my portfolio looks VERY similar to your Roth portfolio, but without VXUS… my only international is emerging markets and international small cap value. If you like SPMO I highly recommend XMMO. It’s the only small/mid cap ETF I’ve found that has beaten the SP500 over the past decade. Honestly I would cut VXUS in your Roth and replace it with XMMO. Or maybe AVUV. Maybe up your international percentage in your 401k if you want more international.

I like any of the following: SPMO, XMMO, AVUV, IDMO, AVDV, AVEM for global equities and GDE / RSSB for some alternative asset exposure. Its also perfectly acceptable to just go all in on VT if what you’re seeking is diversification as VT is the total global market at market cap weight.
I think considering what you already have (mostly US equities) the move I’d make to increase diversification would be to add one of these: VXUS, IDMO, AVDV or AVEM.

VOO+VXUS+AVUV+AVDV

VOO + AVUV + VXUS + AVDV
I would go with VOO + VXUS if you are a index investor. I like to bet on factor investing, so tilted my portfolio to small cap value.

I hold a combination of dividend/growth/index/cc ETFs along with individual stocks. My main foundation consists of SCHD, SCHG, VOO, SPYI, XDTE, VYMI, AVUV, GLDM, and HDV (although I’m planning to get out of this position and move to either SCHD or QQQI/BTCI).

You are right all three of those have lower fees but I would not say they accomplish the same thing as AVUV, I guess it depends on what you meant. Here’s why each is different from AVUV:
* SCHA is a broad small-cap ETF with no value focus and is passively managed with no factor tilts.
* ISCV is passively managed and tracks a traditional small-cap value index but does not have any active factor tilts like AVUV.
* VBR is similar to ISCV but with a cheaper fee; it’s also passive, tracking a small-cap value index with no active management or factor tilts.
AVUV is not the same because it is actively managed, has factor tilts and is small-cap value. TL;DR: Different strategies so they don't really accomplish the same thing. But it depends on what you meant by accomplish, if i misunderstood, sorry.

Can you specify what small cap value ETF accomplishes the same thing as AVUV and has lower fees? Only ones I can find that accomplish the same thing have higher fees then AVUV.

Hey, since you’re 35, you’ve got at least a solid decade to go for high-growth investments. A simple approach could be tossing everything into a broad ETF like VOO for solid returns with minimal hassle. But if I were in your shoes—without knowing your personal situation or goals—here’s how I’d split things up for the next 10 years: 60% in SPLG for broad market exposure, 10% in GLDM for a touch of gold as a hedge, 10% in AVUV for small-cap value, and 20% in SPDW for international stocks. If you’re not keen on holding gold and feel bullish about the market, you could swap GLDM for SPMO to keep that 10% in a momentum-focused ETF instead, especially since the hedge is only a small slice of your portfolio.

There's nothing wrong with your pecks or the percentages you put for each but Having a rhetorical question would be why did you pick these and how did you come up with that percentage to each. I'm also not a huge fan of AVUV because there's other cheaper small cap value funds that'll accomplish the same thing. And although we don't know what the future holds I think doing a back test for what you're looking into compared to maybe having just one or two Etfs to make things simpler if it has similar results.
backtest; [testfol.io](https://testfol.io/)