AVEM
Avantis Emerging Markets Equity ETF
stock NYSE ETF

45% VOO, 15% AVUV, 20% VXUS, 10% AVDV, 10% AVEM

For US domestic, AVLV is great. It’s outperformed VOO by about 2% per year since inception with lower drawdowns (and similar volatility). The expense ratio is very reasonable, its factor tilts are more likely to be a durable source of outperformance than stock picking alpha, and it’s even more tax efficient than VOO (100% qualified since inception).
It does contain some megacap tech stocks, but only the ones that have reasonable valuations. You won’t get unprofitable junk or heavy IPO bags in it.
Unlike a purely passive value ETF like VTV, it has a market beta more comparable to VTI/VOO, so you’re not trading off the market exposure to simply diversify away.
Internationally, I like DFIV, AVDV, AVEM, and DFEV for similar reasons. They’ve all dramatically outperformed their MSCI benchmarks (IDEV and IEMG for developed and international) since inception, which gives me confidence that you can still outperform without overweight tech exposure and that DFA and Avantis know what they’re doing. (I am also hugely exposed to tech in my US allocation because I bought almost nothing but tech from 2022-25.)

Hey dude - I love this. I run something similar. I would dump QQQM and SPHQ. Quality is a defensive factor more than offensive, and at your timeframe you should be full growth focused. QQQM isn’t a factor fund and SPMO will HODL the QQQM winners while they are winning, so don’t double dip and hold this.
Take that freed up 35% and put another 5% into SPMO, 5% into AVUV, and 5% into AVDV. Take that remaining 20% and split it between XMMO ( US mid cap momentum) and AVEM (gives you solid EM exposure.) (you can go AVES for that if you want, but you definitely need EM exposure directly for the next 40 years. I’d suggest 10/10, but you could go 15/5 since you pulled those primarily from your U.S. exposure.
So, total would be:
30% SPMO
25% AVUV
10% XMMO
25% AVDV
10% AVEM (or AVES)

Get some AVEM

45% VOO, 15% AVUV, 20% VXUS, 10% AVDV, 10% AVEM

For US domestic, AVLV is great. It’s outperformed VOO by about 2% per year since inception with lower drawdowns (and similar volatility). The expense ratio is very reasonable, its factor tilts are more likely to be a durable source of outperformance than stock picking alpha, and it’s even more tax efficient than VOO (100% qualified since inception).
It does contain some megacap tech stocks, but only the ones that have reasonable valuations. You won’t get unprofitable junk or heavy IPO bags in it.
Unlike a purely passive value ETF like VTV, it has a market beta more comparable to VTI/VOO, so you’re not trading off the market exposure to simply diversify away.
Internationally, I like DFIV, AVDV, AVEM, and DFEV for similar reasons. They’ve all dramatically outperformed their MSCI benchmarks (IDEV and IEMG for developed and international) since inception, which gives me confidence that you can still outperform without overweight tech exposure and that DFA and Avantis know what they’re doing. (I am also hugely exposed to tech in my US allocation because I bought almost nothing but tech from 2022-25.)

Hey dude - I love this. I run something similar. I would dump QQQM and SPHQ. Quality is a defensive factor more than offensive, and at your timeframe you should be full growth focused. QQQM isn’t a factor fund and SPMO will HODL the QQQM winners while they are winning, so don’t double dip and hold this.
Take that freed up 35% and put another 5% into SPMO, 5% into AVUV, and 5% into AVDV. Take that remaining 20% and split it between XMMO ( US mid cap momentum) and AVEM (gives you solid EM exposure.) (you can go AVES for that if you want, but you definitely need EM exposure directly for the next 40 years. I’d suggest 10/10, but you could go 15/5 since you pulled those primarily from your U.S. exposure.
So, total would be:
30% SPMO
25% AVUV
10% XMMO
25% AVDV
10% AVEM (or AVES)

Get some AVEM