A.I.M. Users Bulletin Board

[karw]

Hi Adam,

My portfolio got restructured a bit more:

VXUS got changed into VGK/VPL. This results in lower expense ratios. VXUS also covers emerging markets, VGK/VPL does not, so the combination is more pure. Canada is not represented, maybe a small addition later can fix that.

IASP and IDVY got combined into EFV. That brings down the expense ratio a bit, and the diversification is better.

So after all this the cost per share and the value per share has not changed much. It was a lot of work to do all the calculations!
I learned a lot about portfolio administration and can see that there are endless possibilities to 'cheat' on the price of a fund.
Now I only want funds of the most reliable fund providers!

At this moment I do not know how to get the expense ratio lower and the diversification bigger. The next step could be further subdivision, for example VOO into sector funds. Also the connection to a 'cash enhancer' like PP is possible. A central cash system could be nice here. It is fun to play this game:)

Best regards,K