AVTE
Aerovate Therapeutics, Inc. Common Stock
stock NASDAQ

Before picking between those mixes, I would decide whether AVTE and SEMI are genuine convictions or just extra moving parts around a pretty solid BGBL/A200 core. On the entry side, lump sum usually wins on paper, but only if you can actually live with deploying the whole 250k at once. If you want to sanity-check that part, this free DCA vs lump sum calculator is useful for side-by-side runs on the same ticker history: https://trackmyshares.com/tools/dca-vs-lump-sum?utm_source=reddit&utm_medium=comment&utm_campaign=free_tool_round

Hi everyone, I'm a 30yr from Aus and about to start investing in ETF's. I have 250k to invest. My current options are:
1. BGBL - 80%, A200 - 10%, AVTE - 5%, SEMI - 5% (weighted MER 0.113%)
OR
2. BGBL - 80%, A200 - 10%, AVTE - 10% (weighted MER 0.113%)
OR
3. BGBL - 80%, A200 - 10%, SEMI - 10% (weighted MER 0.113%)
OR
4. IVV - 55%, EXUS - 25%, A200 - 10%, BEMG - 10% (weighted MER 0.096%)
Some of my questions/considerations:
* A few of these ETF's are relatively new (e.g AVTE in Option 1, and EXUS + BEMG in Option 2). Does this pose any risk?
* Is it generally worth it to invest in developing markets/small caps? I have concerns about this slowing down the growth of my portfolio, but I've also read that with over 200k to invest, it's good to diversify things.
* If having to pick an emerging markets ETF, I like the sound of AVTE which is active and is more diversified to include small caps, but I read that they won't distribute dividends so I may end up with tax bills along the way without ever receiving the payout - is this something to avoid or is the compounding benefit over time still worth it?
* I realise that SEMI introduces a sector tilt and would be keen to hear thoughts on this and if people generally feel confident to invest in SEMI in a time such as now? I don't think AI/chips are going anywhere, but I also keep hearing that this ETF can't keep growing at the rate it has been and to not expect the same kind of high returns.
I don't want an all-in-one ETF because I find the Aus weighting inside of them to be too high, and I like the idea of having more control over what I buy/sell over time.
Very keen to hear opinions/advice about the above portfolio options, any options I am completely missing, or any other ideas for how I can optimise my money.
Thanks in advance!

Before picking between those mixes, I would decide whether AVTE and SEMI are genuine convictions or just extra moving parts around a pretty solid BGBL/A200 core. On the entry side, lump sum usually wins on paper, but only if you can actually live with deploying the whole 250k at once. If you want to sanity-check that part, this free DCA vs lump sum calculator is useful for side-by-side runs on the same ticker history: https://trackmyshares.com/tools/dca-vs-lump-sum?utm_source=reddit&utm_medium=comment&utm_campaign=free_tool_round

Hi everyone, I'm a 30yr from Aus and about to start investing in ETF's. I have 250k to invest. My current options are:
1. BGBL - 80%, A200 - 10%, AVTE - 5%, SEMI - 5% (weighted MER 0.113%)
OR
2. BGBL - 80%, A200 - 10%, AVTE - 10% (weighted MER 0.113%)
OR
3. BGBL - 80%, A200 - 10%, SEMI - 10% (weighted MER 0.113%)
OR
4. IVV - 55%, EXUS - 25%, A200 - 10%, BEMG - 10% (weighted MER 0.096%)
Some of my questions/considerations:
* A few of these ETF's are relatively new (e.g AVTE in Option 1, and EXUS + BEMG in Option 2). Does this pose any risk?
* Is it generally worth it to invest in developing markets/small caps? I have concerns about this slowing down the growth of my portfolio, but I've also read that with over 200k to invest, it's good to diversify things.
* If having to pick an emerging markets ETF, I like the sound of AVTE which is active and is more diversified to include small caps, but I read that they won't distribute dividends so I may end up with tax bills along the way without ever receiving the payout - is this something to avoid or is the compounding benefit over time still worth it?
* I realise that SEMI introduces a sector tilt and would be keen to hear thoughts on this and if people generally feel confident to invest in SEMI in a time such as now? I don't think AI/chips are going anywhere, but I also keep hearing that this ETF can't keep growing at the rate it has been and to not expect the same kind of high returns.
I don't want an all-in-one ETF because I find the Aus weighting inside of them to be too high, and I like the idea of having more control over what I buy/sell over time.
Very keen to hear opinions/advice about the above portfolio options, any options I am completely missing, or any other ideas for how I can optimise my money.
Thanks in advance!