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Hi all. A major life event notwithstanding, I'm likely to be bequeathing
100% of the current assets in my Roth IRA accounts to my future heirs. Per
actuarial tables, let's say this event occurs about 20 years hence
(obviously I could be hit by a bus tomorrow ...)

I'd like to construct a mostly ETF portfolio that I can pretty much
ignore over the next decade.

It will probably [partially] consist of:

- Berkshire Hathaway (yes, an act of faith in Greg Abel)
- QQQE
- RSP
- VXUS (international exposure)
- VDE (energy sector)
- IWM (Russell 2000)

I would also consider keeping maybe 10-20% in cash equivalents to take
advantage of a future market crash. But it's not a big deal either way.

What I don't want to consider adding to the mix:

- Bond ETFs
- Gold
- Crypto

I would be interested in other ETF suggestions, as well as their
percentage allocations for what you might consider as your ideal
legacy portfolio.

With gratitude,

-Rubic

Small cap value sectors are recommended by many, as diversification away from US mega caps. You might consider VBR and AVDV.

a mostly ETF portfolio that I can pretty much ignore over the next decade.
40% FCNTX
20% QQQM (or QQQ)
40% VTI (VTSAX) (which includes large-, mid-, small-, and micro-cap stocks)

backtests: https://testfol.io/?s=2VurkSrVxtT

and/or
VASGX (LifeStrategy Growth Fund)
Althought that has 20% bonds. So maybe not.




consider keeping maybe 10-20% in cash equivalents to take
advantage of a future market crash.

That is contrary to "pretty much ignore."
Notwithstanding that cash is a drag on portfolio performance.



What I don't want to consider adding to the mix:
- Bond ETFs

Good for you. The purpose of bond allocation is to reduce volatility, at the expense of total return. But for a 20 year period you don't really care about the volatility.

If you want to make it easy for your future heirs:

Some Berkshire, plus:

Vanguard Total World Stock ETF VT - The world stock market for 0.06%
https://investor.vanguard.com/investment-products/...

Avantis All Equity Markets Value ETF AVGV - The factor tilted world stock market for 0.26%
https://www.avantisinvestors.com/avantis-investmen...

A third in each would make for a cheap and easy to manage portfolio.

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