landscape_guy

New member
Hello there.

What do you think about this portfolio?


20 %
EIMI

10 %
ZPRV

8 %
ZPRX

30 %
VUAA

30 %
SSAC

I am still in phase of planning.

I am inspired by Ben Felix and his video about Five Factor Investing with ETFs.


XIC
30 %

VUN
30 %

AVUV
10 %

XEF
16 %

AVDV
6 %

XEC
8 %

Source: Ben Felix: Five Factor Investing with ETFs

I live in Czech Republic and I invest on Trading 212, so I've changed ETFs by this post:


Thanks for any help.
 
@landscape_guy The portfolio looks and will very likely work out, however you have to ask yourself if you really want to keep maintaining a five fund portfolio over extendend periods of time and not just go the easy route and go for VWCE, IWDA (+EIMI), etc.
 
@searching4the1 I mean it depends whether he want to DCA or lump sum and also whether he wants to do rebalancing in certain intervals to get back to the desired proportions of the funds. But this rebalancing was meant with the maintenance
 
@tdcochran25 Very thanks for answers to both. I have some capital which I'd like to "lump sum", because I think it is good time to buy right now and then I'd like to do "DCA", so invest every month some specific amount. I am investing on Trading 212, which has funds protection up to 20 000 USD, after that, I will continue "DCA" on different platform like Digero. I don't plan any rebalancing like withdrawal etc.

What do you think about that my first "lump sum" and then "DCA" strategy?

Once again, thanks for answers.

P.S. If you mean by maintaining buying different five funds, it is no problem for me.
 
@landscape_guy Just for some context, Ben's model portfolio overweights Canadian stocks massively (30% instead of the market-cap weight of 3%) for tax reasons. The remaining 70% of the portfolio follows pretty much market-cap regional weights though (it's about 57% US, 31% Developed ex-US, 12% Emerging). Within each region, there's a 25% tilt to small-cap value (for emerging markets there was no good enough ETF available at the time the video was released, so its allocation went to AVDV).

You are overweighting emerging markets stocks (and underweighting developed ex-US markets as a consequence). Do you have a good reason for that? You might want to check Ben's video on emerging markets too:
.

If you can hold this portoflio long term, it will be fine and it might even outperform VWCE a bit. To be honest though, I would simplify this to VWCE+ZPRV+ZPRX(+DGSE if you want some emerging markets multi-factor small caps too). In fact, this is exactly what I do in my portfolio :p
 

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