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Money Talk

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I want to simplify my holdings.how many ETFs/MFs?

Posted on 7/11/23 at 7:15 pm

Posted by makersmark1

earth

Member since Oct 2011

20458 posts

Posted on 7/11/23 at 7:15 pm

broad market?
small cap?
Mid cap?
international ?
dividend ?
Real estate?
Preferred?

Is that too many categories?

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Posted by lynxcat

Member since Jan 2008

25028 posts

Posted on 7/11/23 at 10:03 pm to makersmark1

You can just go total stock market funds if you want very simple.

VTI
SCHB

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Posted by Skervix

Member since Aug 2018

219 posts

Posted on 7/11/23 at 10:14 pm to makersmark1

Research the boglehead method.

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Posted by KWL85

Member since Mar 2023

3204 posts

Posted on 7/13/23 at 7:12 pm to makersmark1

Not enough info to really answer, but it can be simpler than your list. Don't need any bond money if you are a long ways from retiring. Don't really need international if you want simple. Lynxcat's answer below is a decent option for simple. Another simple option is part total market and part s&p500.

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Posted by Konkey Dong

Member since Aug 2013

2353 posts

Posted on 7/16/23 at 5:49 pm to makersmark1

lately I've been simplifying my holdings. In my 401k, VTWIX (50%), VFFSX (35%), and VBTIX (15%)

My taxable is in USFR (15%) and AVGE (85%) at the moment.

My roth is AOA

I don't touch my 401k and only touch my roth to invest more once a year

I like my bonds/treasuries at my age around 15-20%

Easy and non stressful

This post was edited on 7/16/23 at 5:51 pm

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Posted by 632627