Hello, I’m a long-term investor (non-US/EU) with a diversified portfolio that includes HYSA, bonds, ETFs, dividend stocks, preferred shares, and REITs. As I increase my allocation to ETFs, I have a couple of questions:
Q1: VWRA vs. Separate ETFs
Is it worth sticking with VWRA for its simplicity, or should I opt for separate ETFs to gain more control over my asset allocation? I’ll have more time for portfolio management once I FIRE in a few years, so I’m weighing the benefits of simplicity with VWRA against the potential control and flexibility of managing separate ETFs.
Q2: Replicating VWRA with Irish-Domiciled ETFs
If I decide to replicate VWRA with separate accumulating Irish-domiciled ETFs, which ones should I choose?
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US Large Cap: Between CSPX, SPYL, and VUAA, which is better? CSPX has a 0.07% expense ratio with large volume and tight spread, while SPYL and VUAA offer lower expense ratios (0.03% and 0.07%, respectively) but have smaller volumes and wider spreads.
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US Small Cap: What would be a good ETF choice for this segment?
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Developed Market (ex-US): Which ETF should I consider for exposure to developed markets excluding the US?
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Developed Market (ex-US) Small Cap: Is there a good option for small-cap exposure in developed markets excluding the US?
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Emerging Markets (Large, Mid & Small Cap): I’m considering EIMI with a 0.18% expense ratio, but is there a cheaper alternative?
Your insights on these points would be greatly appreciated.