I had a look at your 100% stocks portfolio. Since it looks close to what I am having in mind in terms of allocations, I would have a few questions regarding some of your choices.
Based on your spreadsheet (Nuggets robo rebalancing sheet), I ran some numbers (see second tab there:modified spreadsheet) and see that in the end, 23% of your portfolio is in emerging markets. I usually read that in term of risk/reward, people emphasize more small cap values than emerging markets, I was curious to read your thoughts on that and about your choice of having a significant part (23%) in emerging markets.
Also, if I did not screwed up my calculations, you could get “similar” exposition in the different regions and cap with only 5 funds and “very close” one (although lower in emerging markets) with only 4 funds. Therefore, I was wondering about your reasoning behind your 6 funds. Is it to be more easily able to tilt towards one fund in the future, other reason?
Additionally, you split the US market in 3 funds (VTI, VXF and VBR) however, it seems that with only two funds (VOO and VBR), you can get similar exposition to all caps (except micro). So again, I was wondering about the reasoning behind that.
Thanks in advance for answering.