Risk Level Legend (1–5) · 1 Very Low · 2 Low · 3 Moderate · 4 High · 5 Very High
★ = Personal Favorite
★ = Personal Favorite
| Asset Class / Category | ETF | 🛡 Risk Level | 💸 Expense Ratio | Objective |
|---|---|---|---|---|
| U.S. Equities | ||||
| U.S. Broad | Vanguard Total Stock Market ETF (VTI) ★ | 4 | 0.03% | Market-cap weighted—like VOO plus mid & small caps; high U.S. tech exposure with ~33% in Mag 7. (In KISS) |
| U.S. Large Blend | Vanguard S&P 500 ETF (VOO) | 4 | 0.03% | Tracks the S&P 500 Index; heavy mega-cap tech (~1/3 Mag 7). |
| U.S. Large Growth | Invesco S&P 500 Momentum ETF (SPMO) | 4 | 0.13% | Momentum tilt within S&P 500; tends to be tech-heavy (incl. Mag 7); exposure varies with high turnover. |
| U.S. Large Value | Capital Group Dividend Value ETF (CGDV) ★ | 4 | 0.33% | Dividend-oriented large caps emphasizing quality/valuation; core value sleeve. |
| U.S. Small/Mid Cap | Invesco RAFI US 1500 Small-Mid ETF (PRFZ) | 4 | 0.34% | Captures both mid & small caps; historically better risk-adjusted profile; close runner-ups: XSMO, XSHQ. |
| International Equities | ||||
| Global Equity | Vanguard Total World Stock ETF (VT) | 4 | 0.06% | Global equities; one-ticket stock exposure; can represent both VTI and VXUS. (In KISS) |
| International Large Blend | Vanguard Total International Stock ETF (VXUS) | 4 | 0.05% | International equities across developed & emerging markets, including large, mid, and small caps. (In KISS) |
| International Developed Blend | Schwab Fundamental Intl. Large Co. ETF (FNDF) | 4 | 0.25% | Developed markets via fundamental weighting. |
| International EM Blend | Schwab Fundamental Emerging Markets ETF (FNDE) | 5 | 0.39% | Broad EM via fundamental weighting; ~40% China exposure. |
| International EM ex‑China | iShares MSCI EM ex‑China ETF (EMXC) | 5 | 0.25% | EM equity index excluding China; ideal for avoiding China exposure and related geopolitical risks. |
| Fixed Income | ||||
| U.S. Bond Broad | JPMorgan Core Plus Bond ETF (JCPB) | 3 | 0.38% | Actively managed core-plus with flexible sector/duration tilts; strong peer-group record. |
| U.S. Bond Short‑Term | JPMorgan Ultra‑Short Income ETF (JPST) | 1 | 0.18% | Actively managed ultra‑short; cash‑plus with low rate sensitivity; strong peer-group record. |
| Real Assets | ||||
| Commodity Futures | Invesco DB Commodity Index ETF (PDBC) | 5 | 0.59% | Broad commodity futures; inflation-sensitive diversifier without K‑1. |
| Gold | abrdn Physical Gold Shares ETF (SGOL) ★ | 3 | 0.17% | Physically backed gold; potential inflation & geopolitical hedge. |
| Thematic | ||||
| U.S. Tech / Growth | Defiance Quantum ETF (QTUM) | 5 | 0.40% | Targets firms enabling compute‑intensive innovation: AI/quantum, cloud, data infrastructure, cybersecurity, semiconductors. |
| U.S. Equities + Gold | WisdomTree Efficient Gold Plus Equity Strategy ETF (GDE) | 4 | 0.20% | Rules‑based U.S. equity with gold futures overlay—capital‑efficient way to hold both. Fund page: https://www.wisdomtree.com/etfs/multi-asset/gde |
| Cryptocurrency | TBD | TBD | TBD | TBD |