Overall it seems like it eliminates 2 positions (6 vs 8). (Or could tweak all of those #s a bit and add a tilt to EM as well)ġ3% LCV (would up to 20% if SCV fund becomes available) It sounds like I could do the following, and it should be roughly equivalent to what I was going for: Thanks for the link Emily-I hadn't seen that. DGS is quite valuey, but I'd worry that I'd have to keep an eye on it since that isn't its strategic focus.
DLS is a bit more valuey, but not by a ton Using VSS and VWO is cheaper than my version would be, but VWO is another large blend fund while EEMS is a small blend fund. Modify to tilt to whatever degree you like. And I just use VT (Total World) Instead of VTI and VXUS.
STOCKFOLIO NOT CALCULATING RETURNS CORRECTLY PLUS
It would be a cross between Trev H's simplified portfolio and Merriman's Ultimate, plus Emerging markets tilt. I've thought about small and value tilting myself, and were I to do it, it would look something like: If you want to keep your VTI and VXUS which both skew large blend, then you could do your somewhat more complicated version without sweating US small blend or international small value. The 4 fund portfolio had the same long term returns as the 8 fund portfolio. For example, instead of tilting small and value in both domestic and international (US Lrg Blend, US Lrg Value, US Sm Blend, US Sm Value and the same for international), you could tilt domestic one way and international the other (US Lrg Blend, US Sm Value, International Lrg Value, International Sm Blend). He showed that you could achieve the same result by splitting your tilts in half. Have you seen Trev H's simplified tilted portfolio? (Given that all 3 seem to cover emerging markets and developed markets, it seems to me there is no need for specifically EM funds unless I wanted to be overweight in EM, right? I might consider putting some additional tilt to EM. International small cap (VSS, does seem to cover both developed & emerging markets) International value (VTRIX) (would prefer to replace with lower cost alternative) Right now I would have 3 international funds: Yeah, 5 domestic since I didn't see a fund that contained large, mid, and small cap value when looking at Vanguard's options, but maybe suggestions on here will reveal further options. I want to tilt both to value & to small, not just to the intersection of them (small value). I don't mind having that # of funds it isn't that much additional work compared to fewer. Though I'm not pleased with the 0.46% ER.
(My 401k has a brokerage option, so availability of the fund shouldn't be an issue)Īppears to contain value stocks across both developed and emerging markerts This is for our Roth IRAs and my 401k at vanguard. Is there a cheaper fund or ETF I could use? The international small cap index has an ETF with a 0.17% ER (VSS)īut for international value, it appears vanguard just has an investor shares mutual fund, VTRIX, with a 0.46% ER. On the international side, however, I am less clear. Vanguard Large Cap Value, Mid cap value, and small cap value funds (6% to each is enough to get me into admiral shares)Įach of those has a 0.08% ER, which is fine by me. I know which funds I want to use for domestic: Market weight to international (47.5% right now, measuring via vanguard's total world stock index fund's % of US vs rest)ģ6% tilted to small & value (see below though) (And yes, I plan to keep this tilt in perpetuity.) I considered tilting when I first started but didn't want to deal with the extra complications, and didn't really understand the rationales behind it.Īfter more research, I have decided that I would like to tilt, and am adjusting my allocation & IPS accordingly. So up to now I have held market-weight allocations.
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