JAS

Asset Allocation and the All ETF Portfolio

Hi,

I have been experimenting with QPP, and so far I am quite impressed. I note that your recommended portfolio here projects numbers so much better than any of the other (more classical, index-ETF-based portfolio) mixes I have tried that it is not even funny, almost to the point where it veers on suspicious (I do a lot of statistical programming, and sometimes numbers seem so good that I figure there must be a bug somewhere). Could there be an erroneous assumption somewhere? If not, why don't more people recommend portfolios like this? If your analyses are correct, the US-index-based retirement savings that many people recommend come nowhere close in performance to this diversified portfolio. Am I missing something?

Thanks.

Core Building Blocks: Large, Mid & Small Cap US ETFs

It seems to me that Vanguard's VV (Large Cap) effectively includes VO (Mid cap) -- reading their description, the VV tracks MSCI Prime 750, which the VO tracks MSCI Midcap 450, and the MSCI site says that the Prime 750 includes the Midcap 450! Does anyone have any idea why they "double-up" the midcap? I.E. My initial plan was to split 33% of my US allocation to each of VV/VO/VB, but on further examination I see that this would give me overexposure to the midcaps. Thoughts/comments? Thanks!