ARKUSDT
Ark / Tether USD
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Lotteries destroy $2. ARK destroys portfolios.

Gebe zu, musste lachen als ich ARK von Käthe Holz gesehen habe. 🤡

Lotteries destroy $2. ARK destroys portfolios.

Gebe zu, musste lachen als ich ARK von Käthe Holz gesehen habe. 🤡

Hi everyone,
I started my ETF journey in April 2021. Despite some "learning tax" paid on speculative funds, I’m currently up 25% overall. However, after 4 years, I’ve realized my portfolio is too cluttered and contains funds that no longer serve my goals.
**Current Portfolio:**
* 34% VXUS / 20% VTI
* 14% BNDX / 10% BND
* 07% IAU
* 07% ARKX / 03% ARKK
* 03% QYLD
**The Plan:** I want to liquidate the ARK funds and QYLD to move toward a portfolio that better aligns with my current mid-term investment philosophy (7 to 10 years before I start to reallocate into fixed income).
**Target Allocation:**
* **70% Equities:** VXUS and VTI at a **78/22 split**.
* **20% Fixed Income:** BNDX and BND at a **65/35 split**.
* **05% Small-Cap Tilt:** VSS.
* **05% Gold:** IAU (as a hedge opportunistic fund).
**Rationale & Context:**
1. I am a Brazilian investor. My primary local portfolio is already heavily concentrated in Brazil. I view my international (US-based) brokerage as my "rest of the world" exposure, so I prefer expanding to Europe and Asia rather than doubling down on the US.
2. I initially considered VUG, but it felt like a double-down on US Tech. I chose VSS to capture international small-cap exposure that VXUS might miss, which feels like better diversification.
3. **Gold:** I keep a 5% position in IAU to rebalance into equities during major market corrections.
Any red flags in the transition from active/income funds (ARK/QYLD) to this new structure?
Thanks for the help!
Edit: I forgot to mention but I'm on my early 30s