• LAN_Mower@lemmybefree.net
    2·
    2 months ago

    Diversified assets question.

    VXUS+VTI, VT or something else?

    I have a portfolio with some $QQQM and $SCHD but I have been shying away from foundational stocks because it seems like they have an overexposure to big tech. When I invest in $QQQM I can control the amount of exposure.

    I also am a dividend focused investor. It allows me to have the cash to pivot plans without selling and have a financial safety net should I become unemployed for example.

    It seems like even any broad market ETF is still weighted towards big tech. The size of companies like Microsoft and Nvidia is staggering.

    What are your recommendations?

    • yenahmik@lemmy.worldM
      1·
      1 month ago

      I’m personally a full on Boglehead. I think the simpler the better, so I stick with the 3 fund philosophy. If I was starting today, it’d be the 2 fund philosophy since VTWAX/VT was released.