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🥇 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.”


TickerAsset ClassStyle/StrategyRole in Portfolio
VTIU.S. StocksTotal MarketCore equity exposure
VTVU.S. StocksLarge-Cap ValueDefensive tilt
VBRU.S. StocksSmall-Cap ValueGrowth with volatility
MTUMU.S. StocksMomentum FactorGrowth, trend-following
QUALU.S. StocksQuality FactorStability, strong fundamentals
VXUSInternationalTotal ex-U.S. StocksGlobal diversification
TLTBondsLong-Term TreasuriesCrash protection
SHYBondsShort-Term TreasuriesStability, low duration
BNDBondsTotal U.S. Bond MarketCore bond holding
GLDCommodity (Gold)Physical GoldHedge against inflation and crisis

TL;DR:

RankPortfolioStrengthBest For
🥇 1st🌱 Factor-BasedHigh long-term returns, smart diversificationAmbitious long-term investors
🥈 2nd🌎 GlobalBroad international safety netGlobal thinkers and moderate risk-takers
🥉 3rd❄️ Golden ButterflyCrash protection, low drawdownConservative or retired investors
🪑 4thLazySimple, passiveBeginners or hands-off investors

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