Anyone go pure multifactor portfolio?
50% AVGV (global value) 30% FMTM (US momentum) 10% IDMO (Int. momentum) 10% FRDM (Emerging Markets)?
I previously had factor tilts, but I went 100% factor and just keep lump sum investing.
Early 20s, total contribution to this portfolio in May 2026: $40,000.
I plan on maximum lump sum contributing every year and rebalancing only with the lump sum. I will update this post annually to show how much it grows when consistently sticking to this portfolio despite any anticipated under performances (no panic selling).
Thoughts?
I previously made a post of my future plans to change my Roth IRA portfolio from my original Boglehead Philosophy 60/40 VTI VXUS (~equivalent to 100% VT). I have deleted that post in an attempt to create a new, cleaner post that I plan on updating annually. I've included an AI - created document (take it with a grain of salt since I have not fact checked every number on there) to show some type of visual comparison to 100% VT.
My new Portfolio allocations were revised to 4 ETFs, but the allocations (%) were rebalanced since the last post. I was not satisfied with the previous portfolio (40 40 15 5) and was able to stomach a small increase to the expense ratio from ~0.20 to ~0.26.
40% AVGV - Avantis All Equity Markets Value (Global Value)
30% VT - Vanguard Total World Stock (Global Market)
20% FMTM - MarketDesk Focused US Momentum ETF (Momentum etf that rebalances monthly)
10% FRDM - Freedom 100 Emerging Markets (Emerging Markets based on "freedom score", excludes countries like China)
Possible alternatives: FMTM to SPMO (momentum) and/or FRDM to AVES (emerging market). It would change the expense ratio to ~0.18 since these are passive instead of actively managed. Tempting, but I am sticking with my original ETFs for possibly higher returns (with more risk).
Thoughts?
Edit: I lump sum max contribution yearly to the Roth IRA portfolio and plan on rebalancing through lump sum contributions.
Current Contribution 2026: $40,000
Slowly moving my funds over to the new bank account with Robinhood. This is the only bank I know that makes Saving goals but has 1 Savings account. Keep it up!
Especially important when you want to put all your money into one savings account for simplicity and to get that APY % interest rate but want the visual organization of different saving goals.
Clean UI, good color scheme, and user friendly. Robinhood did this right.
Edit: typo
Currently 60/40 VTI VXUS and wanted more factor tilt without having to rebalance individual ETFs.
AVGV does it for me. New portfolio for Roth IRA would be 40/40 VT AVGV + 10/10 FMTM FRDM. Here are the ETFs spelled out:
40% VT - Vanguard Total World Stock Index Fund ETF
40% AVGV - Avantis ALL Equity Markets Value ETF
10% FMTM - MarketDesk Focused US Momentum ETF
10% FRDM - Freedom 100 Emerging Markets: ETF
Thoughts?
40 VT / 40 AVGV / 10 FRDM / 10 FMTM
Possible alternatives: change FRDM to AVES or FMTM to SPMO
Currently 60/40 VTI + VXUS (basically VT) but about to go all in.
Seems to be the best strategy for me.