User 184032

Complex Simplicity: A Better Portfolio of ETFs

regarding indexing, why not try the vanguard index funds, they are generally lower fees, and without the commissions. though it is harder to time the lows to get in, you can buy a few times with smaller size. the other point is about sector allocation, on the top of large-small domestic-foreign allocations. in a market like this, it is useful to get some energy exposures (eg. xle), financial (xlf) or even drugs (eg. xlv).