I (33M) typically use robo advisors that are set to highest risk (aside from some self-managed accounts). One of them gave me this allocation, and I'm wondering:
- if it seems too conservative (or risky)
- how this would compare to a Boglehead portfolio at my age* (I feel like having fewer ETFs is a little too counterintuitive for me, so I didn't mind this allocation when I received it, but there are people out there who know about this way more than I do and might be able to shed light on why 1-3 funds is exactly the same as having these 7 funds with more curated allocations.)
- just any thoughts in general on if this is a good portfolio mix
Many thanks in advance!
41.00% ITOT (iShares Core S&P Total US Stock Market ETF)
12.00% IJH (iShares Core S&P Mid-Cap ETF)
12.00% IJR (iShares Core S&P Small-Cap ETF)
18.00% IEFA (iShares Core MSCI EAFE ETF)
7.00% IEMG (iShares Core MSCI Emerging Markets ETF)
5.00% AGG (iShares Core US Aggregate Bond ETF)
5.00% FREL (Fidelity MSCI Real Estate Index ETF)
*The reason I'm not going full Boglehead is because I don't want to do any math/management on my own FWIW. If these recommendations are just as good as a Boglehead strategy, then I can just continue to receive the recommendations that will tell me how to reallocate, rather than me keeping up to date on the best way to reallocate every 6-12 months.
[link] [comments] https://www.reddit.com/r/stocks/comments/14rmec8/portfolio_review_request/
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