Replies to post #33700 on A.I.M. Users Bulletin Board (AIMUSERS)

[karw]

Hey Adam,

This month my lazy portfolio (UBA) was restructured a bit:

VV --------> VOO
VEU--------> VXUS
IASP&IPRP--> VNQI

So the UBA structure now:

domestic   international   emerging    REIT 
 VOO        VXUS            VWO        VNQ 
 VTV        IAPD/IDVY       DEM        VNQI 
 VB         VSS             VSS 
 VBR        DLS             DGS 
 

All changes improved the expense ratio and diversification coverage for each slot.(VOO has a lower ER than VV, 0.06% expense ratio versus 0.12%))
During the restructure the UBA price was kept constant and finished the week at $11.96.
The restructure was profitable so the cost per UBA share went down from $9.55 to $8.99.

The next step could be IAPD/IDVY ---> EFV. Another thing is that cash is still in the UBA, I am pondering to take it out and have a share-only UBA that will be AIMed with external cash. Another change could be VXUS---> VGK,VPL.

AIM sells this month: VBR and VXUS(!),that was quick :)

Best Regards,K

[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