AVNM
Avantis All International Markets Equity ETF
stock NYSE ETF

Is Schwab infiltrating this place with bots? I mean, $100,000 would net you roughly $3,000 per year. That’s a rounding error on your portfolio. And you’re giving up tremendous growth. I know it’s had a decent year. But look back at the previous five years. Excluding 2026. You would have made more money sitting it in a HYSA. SCHD lagged inflation. By a substantial margin. Let alone the broad market. You literally lost money if you owned SCHD. If you’re worried about market volatility park it in BRK or something. At least that has some growth and the largest money coffers in history.
I just crossed 1M. I’m a decade older. You’re miles ahead of me. Miles ahead of most of these people. I got *slightly* more conservative over the last 2-3 months once I hit that mark, but my conservative tilt is spreading it across value and quality over pure momentum growth. Which I still have at over 50%. You have a huge runway. In the worst case scenario, you still have a max runway to recover. And no worst case scenario lasts forever. It barely lasts. I recovered from COVID in two months.
And if it’s dividend you’re after - still you’re not making much. Look at AVNM. I love Avantis funds. International mix of markets. Dividend is around 2.5%. Not far from SCHD, with a much bigger forecast ahead of it.

I got almost exactly the same for roth ira holdings except i replaced vxus with AVNM

I would get some staples in there and non-tech. I like AVNM as an international fund too.
AVNM/COKE/XOM
20/15/15

I would do something a little different from VOO and VXUS in your Roth IRA -- not that VOO and VXUS are bad in any way, but at some point you may get the opportunity to do some tax loss harvesting in your brokerage, and holding identical funds in your Roth IRA could mess that up. So I make sure that if I hold something in a taxable brokerage, I do not repeat it anywhere else.
Options to sub out for VOO: VTI, SCHB, VV, SCHX, BKLC
Options to sub out for VXUS: DFAX, VEU, IXUS, AVNM

Nothing particularly wrong with it except for being overly tech-tilt. Those suggesting "100 VT" are going to give you suboptimal returns, and you're young. I ultimately believe in DRAM too, but maybe something a bit more balanced but still somewhat aggressive:

60% VTI / 25 AVNM (int'l) / 7.5 DRAM and SOXX.

I am 60/20/20 in IVV/GARP/AVNM

I went with avantis only for the fact I preferred AVNM for its value factor tilt over DFAX which basically is just VXUS without the constraints of indexing. It’s the opposite reason to why I choose DFUS over DFAC/AVUS. I wanted to specifically partition my factor tilt towards values for my US holding.
It’s a deliberate home country bias by me. I was debating between 20-30% and I thought 25% was a decent percentage. My old portfolio was 15% so it’s an improvement. The max I’d go is 30% to be honest.
Why keep XMMO and completely remove SPMO? Any reason for that in your proposed portfolio?
No you’re good man. I have seen DFAW and AVGE. Seems basically just like a value tilted VT. Seems pretty good but I’d like modulate my own portfolio, though avantis and DFA are great

Nothing. I love the Small Value funds (I have AVDV but FSEV for US, for now anyway) the mid cap momentum is an interesting bet. Any reason you went Dimensional for US and Avantis for International? Have you looked into the Avantis emerging markets small value fund AVEE? I don’t have it myself, I have DFAE which is more of a multifactor blend approach but definitely tilts to small value.
I keep asking more questions but I guess I’m curious about the weighting of the portfolio in general. You are 75% US, 25% international. Global market cap is 60-65% US, 35-40% international. Is the weight toward US stock a deliberate strategy?
The short answer is I’d make the ratio something in the ballpark of DFUS - 40%, XMMO - 10%, AVUV - 10%, AVNM - 30%, AVDV - 10%
Last question I promise as if I haven’t asked more than enough: have you seen the global active managed funds DFAW or AVGE??

If you want a quick side-by-side before deciding how close the substitute really is, this is a decent fit: https://trackmyshares.com/tools/etf-compare?utm_source=reddit&utm_medium=comment&utm_campaign=free_tool_round I would still treat the real question as “similar enough to keep your exposure, different enough to avoid wash-sale issues,” but for a fast compare between DFAX and AVNM or another candidate it is handy.

AVNM would be the best IMO. VXUS and VEU would work, or FTIHX if you are at Fidelity.

What would the best tax loss harvest partner for DFAX be? I would prefer a single fund. AVNM?
DFAI 66% DFAE 34% I am guessing would be the closest actual replication, but I would prefer a single fund.
Thoughts?

Why do you want a growth fund instead of a blend fund or a value fund?
If you want to get funds with less exposure to the mag 7 and tech stocks generally, you are going to be hard pressed to find a growth fund that does that unless you are looking at small cap growth or international growth.
If what you really want is less technology and don't actually care about value vs blend vs growth, then look at large cap value and at international generally.
Small cap growth funds (note, I would only want my worst enemies to actually invest in small cap growth, this is a terrible sector generally): VTWG, ISCG
International growth: IDMO, VDG
International blend: DFAX, AVNM
Large value: VTV, DIVB, SCHD, MGV
Small cap blend: SMLF, FESM
Small cap value: AVUV, VTWV, FNDA
Large blend (with less tech/MAG7 than a typical fund): VFMV, SPHQ, FNDB
But to me the easiest thing is just to buy, and keep buying, a simple global fund like VT, SPGM, DFAW, or AVGE and let the market sort it out.

This is my Roth I don’t care to rebalance this. I plan to rebalance it one every year or twice a year. The complexity comes down to me wanting to hit every sector. Could I probably do fine with DFUS + AVUV + AVNM + AVDV instead? Sure.