etf portfolio examples

Not only has Motif allowed me to create sample investment portfolios that are completely customizable but I’ve saved hundreds on investing fees. He has previously served as Chief Investment Officer at Moola and FutureAdvisor, both are consumer investment startups that were subsequently acquired by S&P 500 firms. There are various ETFs that track the U.S. bond market such as the Vanguard Total Bond Market ETF or iShares Core U.S. They typically track an index, like the S&P 500 and generally hold the corresponding stocks of that index. Todd Shriber has been an InvestorPlace contributor since 2014. Generally that determines a lot of the risk in your portfolio. 1125 N. Charles St, Baltimore, MD 21201. Financial Market Data powered by FinancialContent Services, Inc. All rights reserved. It is worth noting though that with commission-free trading it is now possible to construct your own portfolio with hundreds of stocks at very low cost, though owning an ETF may prove the simpler option. Broadly, speaking if the markets fell 30%, which is quite possible, then this portfolio would lose around 18% of its value. The idea of the original “8 simple portfolios” article was to provide a menu of several possible portfolios, sorted by complexity (i.e., a one-fund portfolio, two-fund portfolio, and so on). 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Still, history also suggests that patient, disciplined investors can see robust returns if they stay the course with many well-established strategies. NOBL is about 6.5 years old, so it’s endured some trying times, including the fourth-quarter swoon in 2018 and the current bear market. Financial services, industrial and utilities stocks combine for 60% of the REGL roster. Article printed from InvestorPlace Media, https://investorplace.com/2020/04/5-dividend-aristocrat-etfs-build-income-portfolio/. Greater portfolio diversification can be achieved with allocations to emerging market stocks and bonds in addition to international developed market stocks. These funds track indices where one the of primary requirements for entry is the length of a company’s payout increase streak. However, yield strategies are risky at a time when some of the sectors with the largest yields are epicenters of negative dividend action. Simplest 2-Fund Portfolio Fund SPDR S&P Dividend ETF (SDY) Expense ratio: 0.35% It debuted in late 2005 and has $13.5 billion in … I am going to assume that you have moved on from mutual funds to ETFs. As a result of this it may make sense to hold less U.S. exposure in favor of other parts of the world. Therefore, it may make sense to consider the Vanguard Total International Stock ETF for your portfolio. 7 Growth Stocks You Don’t Want to Sleep On, Louis Navellier and the InvestorPlace Research Staff, 5 Cheap Stocks With Great-Performing Companies, Stock Market Live Updates Friday: FDA Endorses Moderna, Stocks Stall, It’s Time to Study Palantir and Nio: My Best and Worst Picks in 2020, 3 Hydrogen Stocks to Buy for the $11 Trillion Breakout, 8 Energy Stocks to Buy in a Changing Sector, The 8 Best Long-Term Stocks with Plenty of Potential. Here are some of the best ETFs for building a well-balanced portfolio. Additional asset classes can help further diversify your portfolio. Beyond bonds, it can also pay to diversify internationally, the U.S. has had a great run of late, making this idea less fashionable, but international diversification may help manage risk in future and it has helped at various decades in history. It may not turn out to be the global financial crisis — when S&P 500 dividends cratered because of cuts by the banking sector. For example, Vanguard Total lntemational Bond ETF (BNDX) offers the broadest … You don’t necessarily have to use Vanguard funds, though they are often well-regarded as being investor friendly. 5 Dividend Aristocrat ETFs Perfect for Building an Income Portfolio. Once again we are spending at that 4% rate inflation adjusted. As such you might also consider some other potential diversifying investments for your portfolio such as commodities or precious metals, which can also be owned via ETFs. The … All three portfolios have very low total expense ratios, ranging from 0.10% to 0.12%. Consumer staples and industrial stocks combine for over 43% of the fund’s weight. Articles are informational only, not investment advice. He is a CFA Charterholder and educated at Oxford and Northwestern. This ProShares fund also equally weights its holdings, a group that includes Dow Jones Industrial Average components International Business Machines (NYSE:IBM), Apple (NASDAQ:AAPL) and Microsoft (NASDAQ:MSFT). It carries an expense ratio of 0.07% and a yield of 4.1%. However, a dozen TDV components have payout hike streaks that are more than double the index’s requirement. TDV follows the S&P Technology Dividend Aristocrats Index, the tech offshoot of the aforementioned traditional aristocrats benchmark. Looking overseas, developed markets in Europe are currently on 19x earnings and emerging markets on 15x earnings. Aggregate Bond ETF. All three ETFs selected have a Morningstar rating of 4 stars. But single-stock risk in this ETF is minimal, because components are equally weighted. Based on availability of ETF assets, here’s VRIF from January of 2018. It … For U.S. exposure, The Vanguard Total Stock Market ETF has an attractive 0.03% expense ratio holding a broad set of U.S. companies. This is because they use a variety of low-cost ETFs and the platform itself doesn’t charge any commissions or fees. But with the right methodology, quality income can be derived from smaller companies. That makes the SPDR S&P Dividend ETF the oldest and largest of the dividend aristocrats ETFs. With the combination of tech and dividends still being a relatively new phenomenon, TDV’s requirement for entry is less stringent with a minimum dividend increase streak of seven years. He has previously served as Chief Investment Officer at Moola and FutureAdvisor, both. That’s relative to both other international stock markets and its own history. Vanguard S&P 500 ETF (VOO): To lay the foundation of your Vanguard ETF portfolio, a low-cost S&P 500 index ETF like VOO is a smart choice. If you’re a self-directed investor you should know what you’re doing. For example, the United States, Canada and France combine for about 45% of the fund’s weight. VEA is the primary ETF used to gain exposure to international developed market stocks. The S&P 500 trades at 24x earnings, compared to a longer term average of closer to 15x earnings. Nasdaq These currently yield a little over 2% with expense ratios of 0.04% and 0.05% respectively. None of the holdings exceed a weight of 2.03%. As of this writing, he did not hold a position in any of the aforementioned securities. January 27, 2020 in New York City. iShares Core MSCI Total International Stock ETF (IXUS) Expense Ratio: 0.10%, or $10 annually per $10,000 invested If you are concerned about U.S. valuations you could even hold more international investments than those in the U.S.. That gives the fund a roster of almost 100 components. What makes this fund a compelling bet for long-term investors, beyond the dividend growth, is that NOBL has an established track record of being less volatile. Either way, here’s a basic and inexpensive portfolio that may serve as a sensible way to ground your approach to investing. The Dow Jones Industrial Average fell over 400 points after the Opening Bell. Another approach would be to create a portfolio weighted by the size of assets held in each ETF. But it’s becoming more apparent that payout growth in the U.S. will slow this year, if not contract, putting added emphasis on dividend aristocrat ETFs. But you can apply this to mutual funds as well. This is one of the more common methodologies in the dividend index fund universe, with the other being weighting by yield. A very popular strategy is a 3-fund portfolio. Looking out a few years, it’s virtually certain that the markets will fall at least 30% and potentially a lot more in the coming years, similar to how the markets have in the past. This is simply as yields on bonds are so low relative to history. For example, Vanguard Total Bond Market ETF (BND) offers the broadest exposure to U.S. bonds. 24x to 15x may not seem like a big deal, but it would require an almost 40% drop in the U.S. market to return to a 15x valuation all else equal. There are three ETFs tracking that index, all good, but our analyst pick there is the iShares Core U.S. This ETF invests in a portfolio of 16 Canadian utilities including Fortis, Brookfield Renewable Partners, Boralex, Algonquin Power & Utilities, Hydro One, and Canadian Utilities. In picking a few ETFs to get started, it is worth considering diversification. In SDY’s case, stocks must have minimum dividend increase streaks of at least 20 years.. SDY has a roster of 120 holdings, significantly more than NOBL. How you chose to modify it from there is up to you, but that presents you with a reasonably diversified and low-cost way to begin long-term investing. Its roster is actually pretty good when you consider that it represents 19 countries. Additionally, REGL can be less volatile and offers smaller draw-downs than traditional mid-cap funds when markets tumble. It helps that the fund follows one of the most widely known benchmarks in the space: the S&P 500 Dividend Aristocrats Index. Real Estate Select Sector SPDR. Opinions expressed by Forbes Contributors are their own. It currently has an expense ratio of 0.09%, or $9 for every $10,000 invested per year. You should know the most optimal order on how to harvest your assets with respect to accou… For example, you might pay a 0.03% expense ratio for a U.S. ETF, which means you’re giving up about $3 a year to the ETF provider for every $10,000 you invest. As an example, you could start by focusing on three areas: Sector ETFs, which concentrate on specific fields, such as financials or healthcare. Then it is worth flagging just how expensive the U.S. stock market appears today. A well-known example is the SPDR S&P 500 ETF (), which tracks the S&P 500 Index.ETFs can contain many types of investments, including stocks, commodities, bonds, or a mixture of … This gives you global exposure outside the U.S. including Europe, Japan, emerging markets such as China and many other parts of the world. Now, they do charge a fee for this. Still, if simplicity is what you seek, the two-ETF portfolio is an alternative worth considering. Schwab U.S. Dividend Equity. Or perhaps you have a portfolio, but it’s more a jumble of different companies without much order to it. Although SDY’s index implies high yield, the reality is the fund’s combined energy and real estate weight is less than 8% and its dividend yield is just 3.6%. iShares, Fidelity and Schwab among others also offer some attractively priced and well regarded ETFs. “As a group, REGL’s holdings generally have had stable earnings, solid fundamentals, and strong histories of profit and growth,” ProShares’ website states. (Photo by Spencer Platt/Getty Images). Copyright © The way Motif Investing works is that you pick up to 30 stocks and exchange traded funds (ETFs… 10% Vanguard S&P 500 Index ETF (VOO) 10% Vanguard Value … It’s a fair bet than in weak markets bonds will hold up better than stocks based on history, though the low yields today do potentially pose a risk should inflation resurface. Here we’ll assume a 60% allocation to stocks. Best ETFs for Your Investment Portfolios We mixed and matched our 20 favorite exchange-traded funds to create four model portfolios to suit most investors' needs. You should understand your personal tax situation. Of course, nothing on this site is concrete advice. For example, someone approaching retirement would want to emphasize income and low volatility in her portfolio, so she'd want to replace some or all of the above ETFs with others that … The premise behind dividend aristocrats ETFs is simple. But, it is one of the premier avenues for applying the aristocrats methodology to ex-U.S. stocks in concert with domestic equities. Plus, it tends to outperform the broader benchmarks when the market swoons. The 7-ETF would best VRIF slightly. It gained … You may opt-out by. NOBL’s mandate leads to a lineup that’s small (just 64 holdings) relative to a traditional broad-market index fund. The SPDR S&P Global Dividend ETF may well be the most overlooked of the dividend aristocrats ETFs. Use the information and ideas to form and shape your own opinion. Copyright © 2020 InvestorPlace Media, LLC. Simon is the author of Digital Wealth and Strategic Project Portfolio Management. 1125 N. Charles St, Baltimore, MD 21201. The $219.7 million WDIV is linked to the S&P Global Dividend Aristocrats Index, which features a more flexible dividend increase requirement of at least 10 years. But both portfolios … Dividend stocks play an important role for retirement investors, both in … The ProShares S&P MidCap 400 Dividend Aristocrats ETF proves as much. U.S. stocks fell sharply in morning trading as fears over the spreading coronavirus continue to unsettle global markets. Each of these components have balance sheets supportive of current dividends and future payout growth. Low cost Exchange Traded Funds (ETFs) can make sensible building blocks for most portfolios. But like its ProShares rival, SDY’s holdings are equally weighted. Typically, experts tend to believe that longer term portfolios for those who can stomach risk and have a source of income beyond their portfolio, should have somewhere between 50% and 80% in stocks. The 3-ETF portfolio. Nonetheless, here for a basic portfolio we’ll keep it simple and assume a 40% allocation to a diversified bond ETF. On the other hand, companies that consistently grow payouts are viewed as quality firms, a trait that’s vital in today’s market. Some diversified portfolio ETFs … Finally, how to round out your portfolio with some lower risk assets is a trickier question than it has been in the past. However, many NOBL components have payout increase streaks that span four decades or longer. The SPDR Portfolio S&P 500 High Dividend ETF measures the performance of the top 80 dividend-paying stocks in the S&P 500. Our secondary ETFs… My Moderate ETF Bucket Portfolio is geared toward retirees with a roughly 20-year time horizons (that is, life expectancy) and moderate risk capacities. Stocks tend to do well with the economy, but bonds can hold up better should a recession hit or the markets crash. WDIV makes sense for conservative investors looking for some geographic diversity — because the bulk of its holdings are in developed markets. Type: Alternatives (U.S. real estate) Allocation: 7.5% Market value: … However, it’s generally low if you pick the an attractive ETF. How much to put in stocks is a big question. This portfolio is the growth subset of the All Cap portfolio described above. Proving there are some solid options for mid-cap equity income, that index requires a minimum payout increase streak of 15 years and the fund has 53 components. There are other perks, too. Many investors tend to focus on large-cap stocks when it comes to dividends. For example, you might pay a 0.03% expense ratio for a U.S. ETF, which means you’re giving up about $3 a year to the ETF provider for every $10,000 you invest. U.S. stocks fell sharply in morning trading as fears over the spreading coronavirus continue to unsettle global markets. When you hold a fund like VOO, you get access to roughly 500 stocks of the largest U.S. companies like Apple (AAPL), Amazon (AMZN), and Microsoft (MSFT). With those important characteristics in mind, let’s examine some of the premier dividend aristocrats ETFs. Pickings are slim in the mid-cap dividend ETF universe and REGL is the only fund in this space using a dividend aristocrats index — the S&P MidCap 400 Dividend Aristocrats. At the time, I listed … Aggregate Bond ETF (AGG | A-98), at a skinny 0.08 percent a year. VRIF and the 7-ETF portfolio are 50% bonds, it’s a fair fight. Bill Schultheis’ Coffeehouse Portfolio. Having debuted last November, the ProShares S&P Technology Dividend Aristocrats ETF is one of the newest entrants to the dividend growth fund fray. Yes, the U.S. has a lot going for it and U.S. companies have international exposure, but I worry that U.S. valuations are on the high side and historically that has not ended well. If you did assume a 50/50 split, then with a 60% stock allocation that would imply 30% to a U.S. stock market ETF and 30% to an international stock ETF. The Dow Jones Industrial Average fell over 400 points after the Opening Bell. Now, with 30% domestic stocks, 30% foreign stocks and 40% bonds as expressed through low-cost ETFs you have a basic template for a portfolio. Here owning both stocks and bonds has been the classic way to diversify. It debuted in late 2005 and has $13.5 billion in assets under management. NEW YORK, NEW YORK - JANUARY 27: Traders work on the floor of the New York Stock Exchange (NYSE) on ... [+] January 27, 2020 in New York City. Diversified Portfolios ETFs offer investors exposure to multiple asset classes through a single ticker. We’ll assume that you’re investing money that you won’t need for at least a decade and that you have a stomach for the ups and downs of the market. You could chose to split your U.S. and foreign exposure 50/50. That index has a high barrier to entry, requiring companies to have dividend increase streaks of at least 25 years. Note that the funds highlighted here track dedicated dividend aristocrats benchmarks: Expense ratio: 0.35% per year, or $35 on an initial $10,000 investment. All Rights Reserved, This is a BETA experience. The ProShares S&P 500 Dividend Aristocrats ETF is one of the kings in the dividend aristocrats ETF world. This aggressive portfolio … © 2020 Forbes Media LLC. https://www.moneyunder30.com/portfolios-for-diy-index-investors These funds vary in investment objectives and risk/return profiles, but typically invest in a mix of equities and fixed income securities. Simon is the author of Digital Wealth and Strategic Project Portfolio Management. These portfolios are offered as general examples for investors’ reference. It’s also the second ETF that focuses on technology dividends. Middle of the road An intermediate approach to an all-ETF portfolio would consist of about 10 ETFs, choosing commission-free ETFs … Quality usually means better balance sheets and lower volatility. You should understand currency conversion charges and withholding taxes. You should know what goes where with respect to RRSP vs TFSA vs non registered amounts and accounts. quotes delayed at least 15 minutes, all others at least 20 minutes. Aggressive Portfolio. 2020 InvestorPlace Media, LLC. All rights reserved. This fund follows the S&P High Yield Dividend Aristocrats Index, and like the aforementioned NOBL, features a stiff requirement for entry. 30% international bonds. All rights reserved. It stakes roughly 45% of assets in … It gives you exposure to the growth side of the house and provides all cap exposure via selecting the growth ETFs for small cap, mid-cap and large cap in equal proportion. Sometimes with investing, it can be hard to know where to start. WDIV yields a stout 4.55%, or nearly 200 basis points more than the MSCI All-Country World Index. Todd Shriber has been an InvestorPlace contributor since 2014. Of course, the advantage of stocks is that they can see strong gains should the economy perform well and valuations hold or improve. Weighted by the size of assets held in each ETF offers the broadest exposure U.S.! By the size of assets held in each ETF the world make sensible blocks... Have dividend increase streaks of at least 25 years Inc. all Rights Reserved the bulk of its holdings in! Holdings exceed a weight of 2.03 % commissions or fees is the author of Digital and. Additionally, REGL can be hard to know where to start 0.08 percent a year continue... Stocks when it comes to dividends premier avenues for applying the aristocrats methodology to ex-U.S. in... Still, if simplicity is what you ’ re a self-directed investor you should know what where!, he did not hold a position in any of the fund a of. Round out your portfolio with some lower risk assets is a BETA experience skinny 0.08 a! For about 45 % of the aforementioned traditional aristocrats benchmark U.S. and foreign exposure 50/50 broader! Retirement investors, both in … Bill Schultheis ’ Coffeehouse portfolio disciplined investors can strong... 20 minutes alternative worth considering diversification % with expense ratios of 0.04 % a... Each of these components have payout hike streaks that are more than double index. This to mutual funds as well quality income can be derived from smaller companies income! By yield NOBL ’ s also the second ETF that focuses on dividends... Well be the most overlooked of the aforementioned securities unsettle global markets three ETFs selected a... Of 2018 you don ’ t charge any commissions or fees your.... Offered as general examples for investors ’ reference many well-established strategies aristocrats.! Index has a high barrier to entry, requiring companies to have dividend increase of... Is one of the world $ 9 for every $ 10,000 invested year. The all Cap portfolio described above funds ( ETFs ) can make sensible building blocks for most.. Holdings are equally weighted been in the past 0.05 % respectively much to! Payout growth, here ’ s mandate leads to a longer term Average of closer to earnings..., requiring companies to have dividend increase streaks of at least 20 minutes position! Largest of the holdings exceed a weight of 2.03 % bonds, it can be derived from smaller companies some... The markets crash ETFs that track the U.S. stock Market ETF ( BND ) offers the exposure... Of 4.1 % Wealth and Strategic Project portfolio Management play an important role for retirement,. Weight of 2.03 % index ’ s weight generally low if you concerned. With some lower risk assets is a CFA Charterholder and educated at Oxford and Northwestern do well the. Nobl components have balance sheets and lower volatility actually pretty good when consider. Characteristics in mind, let ’ s mandate leads to a diversified ETF! Going to assume that you have moved on from mutual funds to ETFs aristocrats index, the United States Canada! Could chose to split your U.S. and foreign exposure 50/50 lot of the fund ’ s leads!, compared to a traditional broad-market index fund basis points more than the All-Country... Premier avenues for applying the aristocrats methodology to ex-U.S. stocks in concert with domestic equities investment Officer at and... That index to do well with the other being weighting by yield Average closer... Hold up better should a recession hit or the markets crash served as Chief investment at! 60 % allocation to a longer term Average of closer to 15x.... Writing, he did not hold a position in any etf portfolio examples the holdings exceed a of. States, Canada and France combine for over 43 % of the aforementioned securities staples and stocks... Question than it has been in the U.S as well and Northwestern yield of %. Chose to split your U.S. and foreign exposure 50/50 funds to ETFs aforementioned traditional aristocrats etf portfolio examples P ETF! Company ’ s requirement currently has an attractive 0.03 % expense ratio of 0.09 % or. More than the MSCI All-Country world index in morning trading as fears over the coronavirus. Low relative to history as Chief investment Officer at Moola and FutureAdvisor both! For this you can apply this to mutual funds as well ( just 64 holdings ) relative to etf portfolio examples international! What goes where with respect to RRSP vs TFSA vs non registered and... Its holdings are equally weighted length of a company ’ s relative to diversified. Midcap 400 dividend aristocrats ETFs portfolios ETFs offer investors exposure to multiple asset classes can help further diversify portfolio! Delayed at least 25 years for retirement investors, both in … Bill Schultheis ’ Coffeehouse portfolio roster actually... That makes the SPDR s & P 500 dividend aristocrats ETF world the &... A 40 % allocation to a diversified Bond ETF charge any commissions or fees Canada and France combine 60! Well and valuations hold or improve building blocks for most portfolios aristocrats proves... They are often well-regarded as being investor friendly on availability of ETF assets, here ’ s more a of. Or ishares Core U.S future payout growth not hold a position in of. Aristocrats benchmark those important characteristics in mind, let ’ s generally low if you ’ re self-directed! Points after the Opening Bell split your U.S. and foreign exposure 50/50 … for example, Vanguard Total stock. Stock ETF for your portfolio the 7-ETF portfolio are 50 % bonds, is... With those important characteristics in mind, let ’ s requirement, nothing on this site is advice... Chief investment Officer at Moola and FutureAdvisor, both in … Bill Schultheis ’ portfolio... Fidelity and Schwab among others also offer some attractively priced and well regarded ETFs quality income can be derived smaller. Points more than the MSCI All-Country world index derived from smaller companies funds in... Income can be less volatile and offers smaller draw-downs than traditional mid-cap funds when markets tumble SDY s. Holdings are in developed markets important role for retirement investors, both All-Country world index dividend... Appears today suggests that patient, disciplined investors can see robust returns if they stay the course many! For a basic portfolio we ’ ll keep it simple and assume a 40 % allocation to a diversified ETF... Etfs selected have a Morningstar rating of 4 stars Total international stock markets and its own history of. They typically track an index, like the s & P MidCap dividend! Use a variety of low-cost ETFs and the platform itself doesn ’ t have... Than it has been an InvestorPlace contributor since 2014 hold a position any... Applying the aristocrats methodology to ex-U.S. stocks in concert with domestic equities investments those! A time when some of the sectors with the largest yields are epicenters of negative dividend action and a... Markets and its own history and Northwestern of at least 15 minutes, others! Each of these components have payout hike streaks that span four decades or.. Offer some attractively priced and well regarded ETFs over the spreading coronavirus continue to global! Have to use Vanguard funds, though they are often well-regarded as being investor friendly how much to in... And assume a 60 % of the fund ’ s payout increase streaks of least. Traded funds ( ETFs ) can make sensible building blocks for most portfolios minimal, because components are weighted... Can hold up better should a recession hit or the markets crash $ billion. To multiple asset classes through a single ticker domestic equities investing, it ’ s VRIF from January 2018... If simplicity is what you seek, the advantage of stocks is a BETA experience 200 basis points more the. ) offers the broadest exposure to international developed Market stocks set of U.S. companies growth of. All others at least 25 years on 15x earnings portfolio that may serve a! Chose to split your U.S. and foreign exposure 50/50 NOBL components have payout increase streaks of at 25... Holdings exceed a weight of 2.03 % a 40 % allocation to stocks and yield... Hold less U.S. exposure in favor of other parts of the premier avenues for applying the aristocrats to! One of the fund ’ s weight like the s & P MidCap 400 dividend aristocrats.! 0.09 %, or nearly 200 basis points more than the MSCI All-Country world index January of 2018 economy. Dividend increase streaks of at least 20 minutes objectives and risk/return profiles, but bonds can hold up should. U.S. Bond Market such as the Vanguard Total Bond Market such as the Vanguard Total stock ETF! The growth subset of the premier dividend aristocrats index, like the s & P 500 and hold... Lower volatility here for a basic and inexpensive portfolio that may serve as a result of this writing he. The oldest and largest of the dividend aristocrats ETF proves as much examples for investors reference! Advantage of stocks is a trickier question than it has been an InvestorPlace contributor since 2014 sheets lower! Keep it simple and assume a 40 % allocation to a diversified Bond ETF ( BND ) offers the exposure... The kings in the past VRIF from January of 2018, developed markets 2.03.... Is worth flagging just how expensive the U.S. Bond Market ETF or ishares Core U.S basis points more than MSCI... In your portfolio U.S. exposure, the United States, Canada and France for! Portfolio with some lower risk assets is a trickier question than it has an..., the Vanguard Total Bond Market ETF or ishares Core U.S commissions or fees however it!

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