AWSI
ARIA WIRELESS SYS INC
stock OTC

Read through a lot of these post and I am now ready to invest. I would really appreicate any advice you have before I execute this (planning to start with my 401k which is in all cash right now and use the same for my other investment money roth etc)
All the suggested ETFs are listed with their expense ratio along with their performance over 1, 3, 5, 10 years and inception (which can be skewed from the funds initiation).
​

1) Foundational Fund: 25%
a. Option 1:
i. VOO (SP 500) - 0.03% expense
i. (1yr -30, 3yr - 11, 5yr - 14.72, 10yr - 12.66) inception 14.27
ii. Can swap this for FDFIX (no expense ratio and aims to track SP 500 too) or SPLG (0.02% expense ratio)
b. Option 2:
i. Better performance (80/20 split of SCHG and AVUV)
a) SCHG (total return of Dow Jones US large cap growth) - Expense Ratio 0.040%
i) (1yr -51, 3yr - 13, 5yr - 19, 10yr - 15) inception 15.65
b) AVUV (small cap value ETF) -0.25 % expense
i) (1yr -22, 3yr - 18, NO DATA ) inception 16.55
2) High Risk High Reward Fund: 45%
i. 25% allocation QQQM - Nasdaq 100 ETF - Expense ratio 0.15%
a) (1yr -50, 3yr - 9.46, 5yr - 19, 10yr - 14.8) inception 15.39
ii. 20% allocation VGT - Vanguard Information Tech ETF - expense ratio 0.10%
i. (1yr -48, 3yr - 14, 5yr - 22, 10yr - 20.1) inception 13.24%
3) Dividend: 10%
a. Option 1:
i. SCHD - tracks US Dividend 100 Index - expense ratio 0.06%
(1yr -4.6, 3yr - 9.6, 5yr - 14. , 10yr - 11.1) inception 13.15
b. Option 2
i. VYM - Van High Dividend ETF - expense ratio 0.06%
a) Tracks FTSE High Dividend yield index
b) (1yr -11, 3yr - 10, 5yr - 9.58 , 10yr - 9.82) inception 8.24
4) International: 10%
a. Was considering MSCI World or AWSI but a lot of the top holdings are in the foundational fund. Is this a good idea? Instead I chose the ETF below for more international exposure
b. Option 1:
i. FTIHX - Fidelity total Internation Index Fund - 0.06% expense ratio
i. (1yr -12.3, 3yr - 1.2, 5yr - 5 , 10yr - NA) inception 6%
c. Option 2:
i. VIGI - Vanguard International Dividend ETF - Expense Ratio 0.15%
i. Tracks SP Global Ex -US Dividend growers index
ii. (1yr -15.89, 3yr - 3.45, 5yr - 8.2 , 10yr - NA) inception 8.97%

Read through a lot of these post and I am now ready to invest. I would really appreicate any advice you have before I execute this (planning to start with my 401k which is in all cash right now and use the same for my other investment money roth etc)
All the suggested ETFs are listed with their expense ratio along with their performance over 1, 3, 5, 10 years and inception (which can be skewed from the funds initiation).
​

1) Foundational Fund: 25%
a. Option 1:
i. VOO (SP 500) - 0.03% expense
i. (1yr -30, 3yr - 11, 5yr - 14.72, 10yr - 12.66) inception 14.27
ii. Can swap this for FDFIX (no expense ratio and aims to track SP 500 too) or SPLG (0.02% expense ratio)
b. Option 2:
i. Better performance (80/20 split of SCHG and AVUV)
a) SCHG (total return of Dow Jones US large cap growth) - Expense Ratio 0.040%
i) (1yr -51, 3yr - 13, 5yr - 19, 10yr - 15) inception 15.65
b) AVUV (small cap value ETF) -0.25 % expense
i) (1yr -22, 3yr - 18, NO DATA ) inception 16.55
2) High Risk High Reward Fund: 45%
i. 25% allocation QQQM - Nasdaq 100 ETF - Expense ratio 0.15%
a) (1yr -50, 3yr - 9.46, 5yr - 19, 10yr - 14.8) inception 15.39
ii. 20% allocation VGT - Vanguard Information Tech ETF - expense ratio 0.10%
i. (1yr -48, 3yr - 14, 5yr - 22, 10yr - 20.1) inception 13.24%
3) Dividend: 10%
a. Option 1:
i. SCHD - tracks US Dividend 100 Index - expense ratio 0.06%
(1yr -4.6, 3yr - 9.6, 5yr - 14. , 10yr - 11.1) inception 13.15
b. Option 2
i. VYM - Van High Dividend ETF - expense ratio 0.06%
a) Tracks FTSE High Dividend yield index
b) (1yr -11, 3yr - 10, 5yr - 9.58 , 10yr - 9.82) inception 8.24
4) International: 10%
a. Was considering MSCI World or AWSI but a lot of the top holdings are in the foundational fund. Is this a good idea? Instead I chose the ETF below for more international exposure
b. Option 1:
i. FTIHX - Fidelity total Internation Index Fund - 0.06% expense ratio
i. (1yr -12.3, 3yr - 1.2, 5yr - 5 , 10yr - NA) inception 6%
c. Option 2:
i. VIGI - Vanguard International Dividend ETF - Expense Ratio 0.15%
i. Tracks SP Global Ex -US Dividend growers index
ii. (1yr -15.89, 3yr - 3.45, 5yr - 8.2 , 10yr - NA) inception 8.97%