# Mustachian portfolios

**URL:** https://forum.mustachianpost.com/t/mustachian-portfolios/108
**Category:** Investing / Portfolios
**Created:** [December 14, 2016, 12:43pm UTC](https://forum.mustachianpost.com/t/mustachian-portfolios/108 "2016-12-14T12:43:48Z")
**Posts on this page:** 1
**Showing post:** 72

<div class="post-metadata">

### Author: ![nugget](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/nugget/32/57_2.png) [@nugget](https://forum.mustachianpost.com/u/nugget)
#### Post date: [July 4, 2017, 12:28pm UTC](https://forum.mustachianpost.com/t/mustachian-portfolios/108/72 "2017-07-04T12:28:37Z")

</div>

So, [here](https://docs.google.com/spreadsheets/d/1mlHhRzzk2Xx0_TGFGHMHVa2bubd9m81ALr17vOqOm-k/edit?usp=sharing) I come up with the last draft of my new portfolio. the old one is [here](http://forum.mustachianpost.com/t/mustachian-portfolios/108/2). By extending my investment universe to US based Vanguard funds, It is now much more consequent in terms of how my dream-portfolio looks like. Again, this would be an equal amount of $$ in every liquid stock in the world, with some value weighting. 100% stocks, at least for that part of my stash that i can freely define (unlike pillars 1,2,3):

 ![](https://forum.mustachianpost.com/uploads/default/original/2X/1/1ea2ae2f929c9ebdc6958824c5ad400494569f10.png)

- 15% [VTI](https://personal.vanguard.com/us/funds/snapshot?FundId=0970&FundIntExt=INT): US total stock market
- 15% [VXF](https://personal.vanguard.com/us/funds/snapshot?FundId=0965&FundIntExt=INT): US ex large cap (US minus SP500)
- 15% [VBR](https://personal.vanguard.com/us/funds/snapshot?FundId=0937&FundIntExt=INT) US small value
- 20% [VXUS](https://personal.vanguard.com/us/funds/snapshot?FundId=3369&FundIntExt=INT) exUS total stock market
- 20% [VSS](https://personal.vanguard.com/us/funds/snapshot?FundId=3184&FundIntExt=INT) exUS small cap
- 15% [VWO](https://personal.vanguard.com/us/funds/snapshot?FundId=0964&FundIntExt=INT) emerging markets

with a total expense ratio below 0.1% 💪 and an weighted average of 3’700 stocks per ETF 👊 but be aware of some overlaps.

the **regional distribution** is close to that of [VT](https://personal.vanguard.com/us/funds/snapshot?FundId=3141&FundIntExt=INT), with EM somewhat overweighted:

- 50% north america
- 20% Europe
- 20% emerging markets
- 10% rest
- rest: others

the **size factor** is clearly different, with mid caps overweighted and small caps significantly overweighted: 40/34/26 where VT has 77/18/6.

I also want to overwight **Value stocks** , but when i wrote down the value-blend-growth distribution according to morningstar, I found i cannot do too much about it unless i sacrifice diversification and low TERs. VBR seems the only value fund that does ok with both, but is actually not _that_ valuey, according to [altruist advisors](http://www.altruistfa.com/USsmallcapvaluefunds.htm). it has about 50% value stocks according to morningstar, somewhat more than 1/3rd.

I also dropped the **home bias** since SPI stocks are already contained in VXUS. Nestle is the top position there, and roche & Novartis #4 and #5 🙂 my beloved [SMPCHA](https://www.ubs.com/uk/en/asset_management/etfs/etf-institutional/etf_products/etf_product_detail.ch.en.ch0130595124.fundholdings.html) simpy shatters at the diversification argument.

 ![](https://forum.mustachianpost.com/uploads/default/original/2X/4/4916f4ca817d551173590cfe0ce9b676318f397b.png)

I have not commited yet as i feel no pressure, so i keep tweaking here and there. any suggestions welcome 🙂

---

_[View the full topic](https://forum.mustachianpost.com/t/mustachian-portfolios/108)._