/biz/ - Business & Finance

>>11445229
There's little point to extra complexity when the large cap, reliable names come up so often. You can go for value, you can go for growth, you can go for both. You can do mid, small cap if you want. But having 10 different ETFs all doing one or the other or all just makes things more complicated with little benefit since there's so much crossover. It also gives you the illusion of diversification, when really, you're mostly in the same things.

Pick a handful, or even 2-3, and stay the course. Any one that tracks the S&P 500 or similar indexes, or even a complete US stock market is pretty safe. If you want to hedge against absolutely everything and anything, Total World Stock indices exist, and pay somewhere around 6-7% a year. You aren't a winner, but you aren't a loser, and you still take home some winnings.

If you want to dabble in riskier small cap, that's also safe, as long as it's within the confines of an ETF. If you want specifically dividends, there are ETFs that have basically no capital gain and only pay dividends. REITS can also be had in ETFs. There are a million options, but again, don't go nuts, because you don't necessarily make more money by having 20 over 5.

I'm a big fan of the Bogle-ish 3-fund portfolio, so a US stock index, an International stock index, and US bonds for some backbone.
>https://www.bogleheads.org/wiki/Three-fund_portfolio