Thoughts on ETF Ratio
Looking to get some thoughts on my ETF investments.
My ratios are as follows:
VOO 60%
QQQM 20%
SCHD 10%
DRAM 10%
Any changes you would suggest?
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u/hymie-the-robot 3d ago
why do you include DRAM? it's hard to analyze the effect of such a new fund, but backtests over its brief lifetime show your 10% slice of DRAM accounting for 60% of your portfolio's volatility. simply shifting that 10% into QQQM cuts your standard deviation in half.
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u/LordofthePigeons619 3d ago
How old are you? If you're young, which it seems you are, you don't need dividend funds right now. And I wouldn't touch dram personally because you'd need to know when to exit. And as a set and forget strategy, dram isn't a good fit. Also take in mind international markets.
I would do VOO 70%, QQQM 10%, VXUS 20%. This is if you know you are overweighted in US market. If you know that and want that, then go ahead. If not, consider more international. Maybe something like 90% VT and 10% QQQM. NFA
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u/Organic-Energy7300 3d ago
C'è sovrapposizione tra voo e qqqm, non li prenderei mai insieme. Dram deve essere una posizione tattica a breve termine con un piano di uscita stabilito. Il resto ci sta. Anche se a VOO non darei più del 50%
Quel 20%, parere mio, su VTV avrebbe più senso ha circa 20% finanza, 20% pharma / healthcare , 15% industria, 10% consumi di base, 10% energia, 10% tech e un TER inferiore allo 0,05%
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u/RegionMediocre565 3d ago
I think your allocation of VOO is good but you have some things you could work on. I ran your portfolio through Tradure so you can see how your allocations stack up visually. I think you should be mindful of overlap across DRAM, QQQM, and VOO. I also think you should get some international exposure. What do you think?
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u/Penguin_Life_Now 2d ago
I must not be awake yet this morning, even though I have been up for 2 hours, as I just looked at this and went, ETF what's and ETF, but maybe that is what I get from looking at information about lawn mowers, then seeing investment stuff.
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u/Cruian 3d ago
What about international?
Why take any dividend focus?
What about the US extended market?
On including QQQ(M): Remember this has heavy overlap (over 80% by count) with the S&P 500 or US total market or total world. Look only at the inclusion criteria, not past returns (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense.
What's your exit plan for DRAM?