Search found 200 matches

by manlymatt83
Mon May 18, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6799
Views: 654267

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Is anyone else doing UPRO/TMF in taxable instead of tax advantaged? How are you rebalancing? Due to my situation (long story) I only have one tax-advantaged account -- a traditional IRA. Right now, I've been doing this in taxable, but just rebalanced and sold and took a profit on UPRO to rebalance i...
by manlymatt83
Sun May 03, 2020 4:40 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

That split was just how I was handling my equity allocation. 16% is bonds. Based on this thread (your awesome help among others), I have decided to just simplify my core portfolio to be 85% of overall: 16% BND / BNDX (120 - age) 84% Stocks: - 8.4% VNQ - 16.8% VXUS - 58.8% VTI + some VOO in tax adva...
by manlymatt83
Sun May 03, 2020 4:06 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Regarding VXUS -- because DGS/DLS were international and are now no longer part of that allocation. But that's where the additional 8% had come from. Sorry, I had read that you wanted 30% of your stocks in international, but that was wrong. But you may need to take a little out of the small cap val...
by manlymatt83
Sun May 03, 2020 2:12 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

hmm. I definitely want some SLYV. What if I increase my "play" allocation to 15% of my portfolio vs 10%, and put SLYV in there? That way, I'll only rebalance INTO slyv from other play investments, and out of SLYV into other play investments. Then the remaining 85% will just be 3 fund + RE...
by manlymatt83
Sun May 03, 2020 2:00 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Small caps make up only 18% if the overall US stock market, SCV is half that, so 9%. You are allocating 30% to SCV that is one heck of a tilt towards SCV. You sure you want to tilt that strongly? Yes. Consider that carefully. Everyone read the studies 10 or 20 years ago what a great free lunch ther...
by manlymatt83
Sun May 03, 2020 1:20 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

lakpr wrote: Sun May 03, 2020 1:17 pm Small caps make up only 18% if the overall US stock market, SCV is half that, so 9%. You are allocating 30% to SCV that is one heck of a tilt towards SCV. You sure you want to tilt that strongly?
Yes.
by manlymatt83
Sun May 03, 2020 12:44 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Regarding VXUS -- because DGS/DLS were international and are now no longer part of that allocation. But that's where the additional 8% had come from. Sorry, I had read that you wanted 30% of your stocks in international, but that was wrong. But you may need to take a little out of the small cap val...
by manlymatt83
Sun May 03, 2020 12:35 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

I was suggesting putting some total stock market- maybe a 5% slice - in the IRA. Got it! I can do that. I want to avoid the potential for wash sale issues if I TLH, but I can avoid that. I should have said to put some 500 index in the IRA.... :oops: Ohhh, interesting! So hold VTI/VXUS in taxable an...
by manlymatt83
Sun May 03, 2020 12:23 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

I think you may be trying to juggle too many balls with this inflexible portfolio. You cannot have all the funds you want and have maximum tax efficiency. That does not mean you can't achieve reasonable tax efficiency. You need to decide what is important and what would be nice to have. A lot of th...
by manlymatt83
Sun May 03, 2020 12:14 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

I was suggesting putting some total stock market- maybe a 5% slice - in the IRA. Got it! I can do that. I want to avoid the potential for wash sale issues if I TLH, but I can avoid that. I should have said to put some 500 index in the IRA.... :oops: Ohhh, interesting! So hold VTI/VXUS in taxable an...
by manlymatt83
Sun May 03, 2020 11:46 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

I used to tilt towards SCV and REITs (US and international), but just recently I got rid of the REITs and bumped up US TSM and US SCV a bit. One reason was to simplify a bit. I didn't have a huge slice of REITs to begin with, it was 8% of equities which was about 6.4% of total portfolio, so it prob...
by manlymatt83
Sun May 03, 2020 11:33 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

retiredjg wrote: Sun May 03, 2020 11:32 am I was suggesting putting some total stock market- maybe a 5% slice - in the IRA.
Got it! I can do that. I want to avoid the potential for wash sale issues if I TLH, but I can avoid that.
by manlymatt83
Sun May 03, 2020 11:32 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

OK, I did a lot of read this morning and understand a lot more now: https://www.bogleheads.org/wiki/Vanguard_Total_International_Stock_Index_Fund_tax_distributions https://www.bogleheads.org/wiki/Tax-efficient_fund_placement However, I am still not sure where to put DLS or DGS. On one side of the fe...
by manlymatt83
Sun May 03, 2020 10:58 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

You don't have to have everything in each account, but having some US stocks and some bonds together in 1 account will help. I just reviewed all of the funds. SLYV, DGS, DLS, VTI, VXUS, BND, BNDX... all pay dividends. Some of them are 4 - 5%, but the lowest they go is like 2%. Should I just own a l...
by manlymatt83
Sun May 03, 2020 12:48 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Curious. When you suggested DLS and DGS in tax advantaged, is it because dividends from them would never be qualified? Why not be concerned about VXUS, for example, which has quite a high dividend as well? VXUS is market cap weighted. DLS and DGS select for dividend payers. I prefer a value fund (F...
by manlymatt83
Sun May 03, 2020 12:14 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Curious. When you suggested DLS and DGS in tax advantaged, is it because dividends from them would never be qualified? Why not be concerned about VXUS, for example, which has quite a high dividend as well? VXUS is market cap weighted. DLS and DGS select for dividend payers. I prefer a value fund (F...
by manlymatt83
Sun May 03, 2020 12:01 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

What if I buy 90% VT and 10% BND in all but a certain dollar amount of my portfolio (vs %).

Then I take — say (eventually) — 50k — and put it in whatever I want. SLYV etc.

Maybe that’s a better way of doing this because as my net worth grows my SCV and low international allocation will shrink?
by manlymatt83
Sat May 02, 2020 11:15 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Emergency funds: 6 months expenses in a CD Debt: $0 Tax Status: single Tax Rate: 30 ish Federal, 6% State State of Residence: Massachusetts Age: 36 Desired Asset allocation: 120 - age for stocks / rest bonds. Currently 84/16. Desired International allocation: 20% of stocks Desired Small Cap Value t...
by manlymatt83
Sat May 02, 2020 8:13 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

You don't have to have everything in each account, but having some US stocks and some bonds together in 1 account will help. I just reviewed all of the funds. SLYV, DGS, DLS, VTI, VXUS, BND, BNDX... all pay dividends. Some of them are 4 - 5%, but the lowest they go is like 2%. Should I just own a l...
by manlymatt83
Sat May 02, 2020 7:42 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

You don't have to have everything in each account, but having some US stocks and some bonds together in 1 account will help. I just reviewed all of the funds. SLYV, DGS, DLS, VTI, VXUS, BND, BNDX... all pay dividends. Some of them are 4 - 5%, but the lowest they go is like 2%. Should I just own a l...
by manlymatt83
Sat May 02, 2020 1:17 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

I believe strongly in the small cap value tilt as well as the REIT allocation. I have the REIT and bonds in my tax advantaged. I did too. After 20+ years of sticking it out in SCV and being completely unrewarded, I finally got tired of the tracking error and lumped it into TSM. I still hold a small...
by manlymatt83
Sat May 02, 2020 1:16 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Nothing insane to my eyes, just a couple comments: I believe strongly in the small cap value tilt My personal bias is to not tilt. My portfolio has US total market, international total market, and bonds. Easy peasy. That out of the way, you might want to check your assumptions regarding small cap v...
by manlymatt83
Sat May 02, 2020 11:36 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Age 36 suggests you have been working for a while (?) Mention of only an IRA and no 401k, either past or current 30+% Federal tax bracket Have you never had any access to any retirement plan at work, or are you choosing not to participate for a specific reason? The IRA limit is only $6k whereas wit...
by manlymatt83
Sat May 02, 2020 11:36 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Agree on a higher international amount, cloudy crystal ball but reversion to the mean is real over 30-40 years. You should look at 401k/403b at work, good marginal benefit on your taxes. If you dont have a 401k/403b at work, look at solo 401k if you meet criteria. Again good marginal benefit and ca...
by manlymatt83
Sat May 02, 2020 11:35 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Just looking for some validation that I didn’t make any insane mistakes! Nothing major jumps out to me. Some questions though. At some point, you need to know your tax bracket. "30ish" isn't a tax bracket although it might be an effective rate - which would mean your bracket is very high....
by manlymatt83
Sat May 02, 2020 11:34 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

A few notes: 1) Massively tilted toward the US - might come back to haunt you if means revert (60/40 or 50/50 would be closer to cap-weighted) 2) Per a comment above, no really easy way to rebalance - might want to hold a mix in tax-advantaged to make that easier 3) Bonds-in-tax-advantaged is an ol...
by manlymatt83
Sat May 02, 2020 11:33 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Emergency funds: 6 months expenses in a CD Debt: $0 Tax Status: single Tax Rate: 30 ish Federal, 6% State State of Residence: Massachusetts Age: 36 Desired Asset allocation: 120 - age for stocks / rest bonds. Currently 84/16. Desired International allocation: 20% of stocks Desired Small Cap Value t...
by manlymatt83
Sat May 02, 2020 11:31 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Sounds reasonable overall. Notes: - you have only 16% in bonds. Is this the target? - you have even less in bonds when considering tax adjusted asset allocation - how much more than domestic stock do you believe REIT and small cap will yield? Is the weighted expected value worth the simplicity trad...
by manlymatt83
Sat May 02, 2020 10:24 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6799
Views: 654267

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I’ve been doing 55/45 for about 6 months. In reading some of the recent posts on here, would love to do adaptive allocation once per month. Is there a spreadsheet or something to easily calculate this? Or does it require a bunch of manual steps via portfolio viz? I wrote some python code to calcula...
by manlymatt83
Sat May 02, 2020 12:01 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6799
Views: 654267

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I’ve been doing 55/45 for about 6 months. In reading some of the recent posts on here, would love to do adaptive allocation once per month. Is there a spreadsheet or something to easily calculate this? Or does it require a bunch of manual steps via portfolio viz?
by manlymatt83
Fri May 01, 2020 8:53 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3462

Finally simplified. Looking for feedback on my lifelong portfolio.

Emergency funds: 6 months expenses in a CD Debt: $0 Tax Status: single Tax Rate: 30 ish Federal, 6% State State of Residence: Massachusetts Age: 36 Desired Asset allocation: 120 - age for stocks / rest bonds. Currently 84/16. Desired International allocation: 20% of stocks Desired Small Cap Value ti...
by manlymatt83
Mon Mar 09, 2020 3:16 pm
Forum: Personal Investments
Topic: $VTI vs $VFMF question
Replies: 15
Views: 975

Re: $VTI vs $VFMF question

OK, thank you. I will probably stick with my current VFMF allocation but not add to it, and continue adding to SLYV. Thanks.
by manlymatt83
Sun Mar 08, 2020 6:22 pm
Forum: Personal Investments
Topic: $VTI vs $VFMF question
Replies: 15
Views: 975

Re: $VTI vs $VFMF question

Yes, there is no contradiction in VTI+VFMF. This is so because VTI is neutral. For example, in contrast, if you suggested, QQQ + VFMF, then that would be contradictory because QQQ has negative value load vs VFMF has positive so they just cancel each other and you pay extra fees for nothing. And if ...
by manlymatt83
Sun Mar 08, 2020 6:18 pm
Forum: Personal Investments
Topic: $VTI vs $VFMF question
Replies: 15
Views: 975

Re: $VTI vs $VFMF question

For my US allocation, I have 20% $SLYV and 80% $VTI. I am happy with this. However, I would also like to have $VFMF as part of my allocation. While I have read that $VFMF can replace $VTI as a core holding, can you hold both $VFMF and $VTI at the same time, or is there so much overlap at that point...
by manlymatt83
Sun Mar 08, 2020 6:05 pm
Forum: Personal Investments
Topic: $VTI vs $VFMF question
Replies: 15
Views: 975

Re: $VTI vs $VFMF question

For my US allocation, I have 20% $SLYV and 80% $VTI. I am happy with this. However, I would also like to have $VFMF as part of my allocation. While I have read that $VFMF can replace $VTI as a core holding, can you hold both $VFMF and $VTI at the same time, or is there so much overlap at that point...
by manlymatt83
Fri Mar 06, 2020 11:14 am
Forum: Personal Investments
Topic: $VTI vs $VFMF question
Replies: 15
Views: 975

Re: $VTI vs $VFMF question

VFMF, https://investor.vanguard.com/etf/profile/VFMF Look how it has performed compared to vti, https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2014&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&initialAmount=10000&annu...
by manlymatt83
Fri Mar 06, 2020 11:12 am
Forum: Personal Investments
Topic: $VTI vs $VFMF question
Replies: 15
Views: 975

Re: $VTI vs $VFMF question

luminous wrote: Fri Mar 06, 2020 1:25 am You will receive more replies and more thoughtful replies by listing the actual fund names.

I'm not sure what advice you are looking for that you didn't already get in your last thread: viewtopic.php?f=1&t=294249&p=4826368
Thank you for the suggestion.
by manlymatt83
Fri Mar 06, 2020 12:34 am
Forum: Personal Investments
Topic: $VTI vs $VFMF question
Replies: 15
Views: 975

$VTI vs $VFMF question

For my US allocation, I have 20% $SLYV and 80% $VTI. I am happy with this. However, I would also like to have $VFMF as part of my allocation. While I have read that $VFMF can replace $VTI as a core holding, can you hold both $VFMF and $VTI at the same time, or is there so much overlap at that point ...
by manlymatt83
Wed Nov 06, 2019 11:58 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1029

Re: Portfolio Review

Well I would say that if you are concerned specifically with large cap value exposure than maybe Vanguard Multifactor isn't for you. That said, it is pretty strongly large value right now in my opinion judging by P/E, P/B and top holdings. I would not trust that SVFMF would do anything other than w...
by manlymatt83
Wed Nov 06, 2019 11:57 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1029

Re: Portfolio Review

You could construct a new "pretend" portfolio which includes some percentage invested in VTV (Vanguard Large Value ETF) and see if you like the X-ray results any better... If you do, buy some. Regards, Curious, what tool do you use for this? I used to have access to Morningstar, but now h...
by manlymatt83
Wed Nov 06, 2019 11:57 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1029

Re: Portfolio Review

Op Just curious, how did you pick funds on your portfolio? It is most likely that future will be different than past but did your portfolio stands out strong against VTSAX during the funds lifetime? My humble opinion is you have a lot of funds. I wish you best luck I'm mostly trying to keep it simp...
by manlymatt83
Wed Nov 06, 2019 11:56 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1029

Re: Portfolio Review

VFMF is (by design) roughly 1/3 large cap, 1/3 mid cap, and 1/3 small cap. Edit: Sorry. I think I misunderstood your question. Are you concerned that VFMF isn't valuey enough? Yes. My ideal scenario would be that I would have a slight tilt to LCV (and perhaps MCV) and an even larger tilt to SCV. Bu...
by manlymatt83
Tue Nov 05, 2019 2:36 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1029

Re: Portfolio Review

Will update now, thank you!
by manlymatt83
Tue Nov 05, 2019 2:35 pm
Forum: Personal Investments
Topic: VFMF vs VFMFX in Taxable Account
Replies: 5
Views: 1489

Re: VFMF vs VFMFX in Taxable Account

Curious, do you hold any of $SLYV or $IJS for even deeper value exposure alongside these two core holdings?
by manlymatt83
Tue Nov 05, 2019 2:25 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1029

Portfolio Review

I've settled on a portfolio, so would like input with more information: 36 year old Aggressive, 35+ year horizon Factor investing / increased risk/reward is important to me Personal life is technology, so want to avoid increased ETF exposure to that if I can. Love factor investing, especially to siz...
by manlymatt83
Tue Nov 05, 2019 10:51 am
Forum: Personal Investments
Topic: Equal weight sector ETFs with SCV tilt?
Replies: 18
Views: 925

Re: Equal weight sector ETFs with SCV tilt?

Keep in mind that the number of sectors is completely arbitrary. And there is quite a bit of subjectiveness in which companies belong in which category. There is therefore little justification for choosing anything other than the market weight for each sector. If one sector was horse and buggy tech...
by manlymatt83
Tue Nov 05, 2019 10:26 am
Forum: Personal Investments
Topic: Equal weight sector ETFs with SCV tilt?
Replies: 18
Views: 925

Re: Equal weight sector ETFs with SCV tilt?

Oh, thank you! That could be a good possibility. I tend to play with individual tech stocks in my individual account, so perhaps I'll use this as a way to tilt AWAY from tech in my set and forget ETF portfolio? Possibly, though hopefully the individual tech stocks are no more than 5% of your portfo...
by manlymatt83
Mon Nov 04, 2019 11:51 pm
Forum: Personal Investments
Topic: Those who buy SOME individual stocks, where do you put them?
Replies: 12
Views: 1151

Re: Those who buy SOME individual stocks, where do you put them?

Small Savanna wrote: Mon Nov 04, 2019 11:47 pm I have some individual stocks in my taxable brokerage account. One of the possible benefits of individual stocks is that you control the timing of capital gains and losses. That benefit is only meaningful in a taxable account.
Ah! Interesting. So none in your tax advantaged?
by manlymatt83
Mon Nov 04, 2019 10:21 pm
Forum: Personal Investments
Topic: Those who buy SOME individual stocks, where do you put them?
Replies: 12
Views: 1151

Those who buy SOME individual stocks, where do you put them?

Those who buy SOME individual stocks (as 5% - 10% of your overall holdings, etc.)... . How do you determine whether to put them in taxable or non-taxable? Is it random? Is it how long you intend to hold them? My question particularly is around $WM, $BEP and $BRK.B, three holdings I wish to independe...
by manlymatt83
Mon Nov 04, 2019 9:56 pm
Forum: Personal Investments
Topic: Equal weight sector ETFs with SCV tilt?
Replies: 18
Views: 925

Re: Equal weight sector ETFs with SCV tilt?

Thanks! What do you use for a tilt to large value, curious? And aren't there 11 SPDR sector ETFs? Hmm, you're right, went by what I saw in a PDF doing a quick search :oops: I go the unconventional route and use a dividend fund (VYM mostly) for large value, but Paul Merriman has a good best in class...