Hi Alton,
No Health Care Funds. No sector funds at all.
Although VHT and DBR could be part of the domestic and foreign component. IXJ could combine VHT and DBR into one package with a 6 month dividend, where VHT is yearly and DBR quarterly. XLV is from the spiders family, which I do not know that well. Is there an advantage in using the spider set of ETFs?
In the 'commodities' allocation part, i can see that you can use MXI for example or a combination of VAW and DBN. XLB would be ok, if it has a better ER than VAW.
In the 'Reits' allocation you can use VNQ and DRW, although I like to slice it US/Euro/Asia(Ishares series).
Tom's portfolio looks like the IVY, although Tom is using Wisdomtree funds and PYH in stead of VTI.
All these portfolios seem to be based on research by Fama, who discovered that a Value tilt is good for performance.
Kind Regards,K
