Rate my long-term ETF portfolio for my 5-month-old

REDDIT.COMMar 23, 9:27 PM UTC
Rate my long-term ETF portfolio for my 5-month-old

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 🙏

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