Hi all,
I’m building a long-term investment portfolio for my 5-month-old child (15–20+ year horizon), and I’d really appreciate feedback from this community.
I’m aiming for a globally diversified portfolio with a tilt toward small-cap and value factors (based on long-term expected returns), while still keeping a strong core.
Here’s the allocation:
\- VT 45% (global market core)
\- AVUV 20% (US small cap value)
\- AVLV 10% (US large value)
\- AVDV 10% (intl developed small cap value)
\- AVIV 7% (intl developed large value)
\- AVES 8% (emerging markets value)
A few notes:
\- Time horizon is 15–20+ years, so I’m okay with volatility
\- No bonds for now
\- Plan is to DCA monthly and rebalance annually
\- Intentionally avoiding single-country or tech-heavy tilts (no QQQM)
What I’d love feedback on:
1. Is this too aggressive on small-cap/value?
2. Any redundancy or unnecessary complexity?
3. Would you simplify this (e.g., fewer ETFs)?
4. Are Avantis ETFs worth the higher expense ratios in your opinion?
Appreciate any thoughts or critiques 🙏