🥇 1st – 🌱 FACTOR-BASED INVESTING
“Ready to geek out a bit? This strategy is backed by Nobel Prize winners Eugene Fama and Kenneth French. It focuses on traits that historically outperform: value, size, momentum, and quality.”
💼 Example:
- 25% VTI – Vanguard Total Stock Market ETF
Gives you a market baseline to anchor the portfolio. - 25% VBR – Vanguard Small-Cap Value ETF
Targets smaller, undervalued companies—historically strong long-term returns. - 25% MTUM – iShares MSCI USA Momentum Factor ETF
Invests in stocks that have been performing well recently. - 25% QUAL – iShares MSCI USA Quality Factor ETF
Focuses on companies with strong balance sheets and stable earnings.
“This one’s for investors looking to beat the market long-term—but be ready for more ups and downs.”
🥈 2nd – 🌎 GLOBAL DIVERSIFICATION
“U.S. stocks are great—but what if the U.S. stumbles? That’s why global diversification matters. It reduces risk by spreading your money across different economies.”
💼 Example:
- 35% VTI – Vanguard Total Stock Market ETF
Core exposure to U.S. equities. - 35% VXUS – Vanguard Total International Stock ETF
Adds international exposure from Europe, Asia, and emerging markets. - 20% BND – Vanguard Total Bond Market ETF
Provides income and cushions the ride. - 10% GLD – SPDR Gold Shares ETF
Gold can help protect your portfolio during currency devaluation or global crises.
“You get exposure to Europe, Asia, emerging markets—and a little inflation hedge from gold.”
🥉 3rd – ❄️ THE GOLDEN BUTTERFLY
“If you’re more conservative or hate the idea of huge drawdowns, this one’s for you. The Golden Butterfly is built to handle market storms.”
💼 Example:
- 20% VTI – Vanguard Total Stock Market ETF
Core U.S. equity exposure to capture growth. - 20% VTV – Vanguard Value ETF
Focuses on undervalued large-cap U.S. companies. - 20% TLT – iShares 20+ Year Treasury Bond ETF
Long-term bonds that usually go up when stocks crash. - 20% SHY – iShares 1–3 Year Treasury Bond ETF
Short-term bonds reduce risk and add liquidity. - 20% GLD – SPDR Gold Shares ETF
A hedge against inflation and market crashes.
“It doesn’t shoot the lights out, but it barely flinches when the market crashes. It’s like a financial bunker with growth potential.”
🪑 4th – THE LAZY PORTFOLIO
“This one’s perfect if you want to invest without thinking about it every day. It’s called the Lazy Portfolio—and it’s all about simplicity.”
💼 Example:
- 40% VTI – Vanguard Total Stock Market ETF
Gives you exposure to the entire U.S. stock market. - 20% VXUS – Vanguard Total International Stock ETF
Diversifies outside the U.S. - 40% BND – Vanguard Total Bond Market ETF
Provides stability through U.S. investment-grade bonds.
“This portfolio is easy to manage and gives you a diversified base to build wealth long-term.”
| Ticker | Asset Class | Style/Strategy | Role in Portfolio |
|---|---|---|---|
| VTI | U.S. Stocks | Total Market | Core equity exposure |
| VTV | U.S. Stocks | Large-Cap Value | Defensive tilt |
| VBR | U.S. Stocks | Small-Cap Value | Growth with volatility |
| MTUM | U.S. Stocks | Momentum Factor | Growth, trend-following |
| QUAL | U.S. Stocks | Quality Factor | Stability, strong fundamentals |
| VXUS | International | Total ex-U.S. Stocks | Global diversification |
| TLT | Bonds | Long-Term Treasuries | Crash protection |
| SHY | Bonds | Short-Term Treasuries | Stability, low duration |
| BND | Bonds | Total U.S. Bond Market | Core bond holding |
| GLD | Commodity (Gold) | Physical Gold | Hedge against inflation and crisis |
TL;DR:
| Rank | Portfolio | Strength | Best For |
|---|---|---|---|
| 🥇 1st | 🌱 Factor-Based | High long-term returns, smart diversification | Ambitious long-term investors |
| 🥈 2nd | 🌎 Global | Broad international safety net | Global thinkers and moderate risk-takers |
| 🥉 3rd | ❄️ Golden Butterfly | Crash protection, low drawdown | Conservative or retired investors |
| 🪑 4th | Lazy | Simple, passive | Beginners or hands-off investors |
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