So I came across this post a while ago and I'd like to create a secondary short term savings portfolio following these allocations of the "All Weather Portfolio":
- 30% Vanguard Total Stock Market ETF (VTI)
- 40% iShares 20+ Year Treasury ETF (TLT)
- 15% iShares 7 – 10 Year Treasury ETF (IEF)
- 7.5% SPDR Gold Shares ETF (GLD)
- 7.5% PowerShares DB Commodity Index Tracking Fund (DBC)
The idea is to accept somewhat limited returns in exchange for very limited drawdowns during market crashes (see backtest)
This is attractive to me as basically a better savings account that I can draw from for big purchases. I'll take 5% over 0.015% (Swiss banks rn) any day for that small of a risk.
But I can only save $500 a month, and we still pay transaction fees here (starting from $20). So with the smaller allocations, the fees would eat up a significant portion of each buy.
I have checked out the popular Degiro and IB, and have to say I don't like their offerings enough to give up the peace of mind of using a Swiss bank (with a physical location, customer service, etc.) They're not exactly feeless either (though cheaper), but I don't really get a trustworthy vibe.
So, is there an ETF tracking this kind of allocation that I could buy instead? Otherwise all I can do is save up that money to make annual buys instead.
Submitted February 16, 2022 at 04:21AM by don_cornichon https://ift.tt/xm3n0g5
