AOR ETF Review - iShares Core Growth Allocation ETF (60/40 Portfolio)

[@OptimizedPortfolio]

What do you think of the AOR ETF from iShares?

[@HamiltonRb]

In Canada the symbol is XBAL from I Shares, VBAL from Vanguard and ZBAL from Bank of Montreal. Pretty much the same returns from each, but they are called balanced etf. If you want the growth, 80/20 mix of each it is XGRO, VGRO and ZGRO

[@OptimizedPortfolio]

@@HamiltonRb Thanks for sharing!

[@mynewtaxguy]

I own AOA which is the 80-20 allocation ETF of that same series, very happy with it, performs very well. It includes the same component funds as AOR but with a higher allocation to stocks.

[@OptimizedPortfolio]

Yes! Thanks for sharing!

[@vccordova6899]

I'd rather look at the avavtis moderate allocation etf for a single fund solution. But realistically i like to keep stocks and bonds separate. What, in your opinion, would be the best bond paring to avge?

[@OptimizedPortfolio]

I like treasuries.

[@hydrakn]

New to investing, looking at dropping 50K into AOR ETF, curious if any have change of opinion today vs 2 months ago when this uploaded? Seems like a good way to get started.

[@OptimizedPortfolio]

I invest for the long term, so nothing would really change my opinion in a few months. No change.

[@favrenicola]

It's not an ETF (yet) but what do you think of Vanguard LifeStrategy?

[@OptimizedPortfolio]

I like those too!

[@Gmen732]

Anything BlackRock or Vanguard is good

[@Gmen732]

I invest in ALL 4 Core allocations Thats all you pretty need!!!

[@OptimizedPortfolio]

Thanks for sharing!

[@rpshah79]

For regular taxable accounts, how about a 2 ETF portfolio of 60% (DFAW or AVGE) and 40% (GOVT or VGIT)?

[@OptimizedPortfolio]

Sounds pretty good to me.

[@Ehhhh123]

What are your thoughts on people saying that 60/40 is dead?

[@OptimizedPortfolio]

It's a stupid thing pundits have said every year for the past half century or so. Makes for a good clickbait headline.

[@ebrahimhabib477]

Ntsx from wisdom tree is a great 60/40. Actively managed Fund

[@OptimizedPortfolio]

NTSX is 90/60.

[@ebrahimhabib477]

@@OptimizedPortfolio can you make a video for this Fund NTSX

[@OptimizedPortfolio]

@@ebrahimhabib477 kzbin.info/www/bejne/nafdoYRnatKXi9k

[@ebrahimhabib477]

Thanks so much for the link for the NTSX video, I watch it twice as you explained it and analysed the Fund extremely well Thanks for your excellent Knowledge which you give it to us for free . I admire your work completely Regards from Egypt

[@OptimizedPortfolio]

@@ebrahimhabib477 Thanks!

[@rpshah79]

How about AVMA?

[@OptimizedPortfolio]

Might be a good choice too for the factor investor!

[@eugene3496]

I wish Charles Schwab would create a similar product. They have all the necessary ETFs to do so.

[@OptimizedPortfolio]

They probably want to drive people to their "Intelligent Portfolios" service.

[@coinbowl]

I want to do 100% stocks before I almost retire but too lazy to rebalance

[@OptimizedPortfolio]

Cool

[@derekmarlowe522]

Why bother with such miniscule allocations to small and midcap stocks( emerging market is higher which is crazy) and then 9% to intl bonds. Just take some percentage out of domestic bonds, where it is already high. I am not a fan at all and I seem justified by the mediocre track record. One could coble together many index funds that would be cheaper and have better long term records. There is no science that supports constant rebalancing. Bogle even said not to worry about it.

[@OptimizedPortfolio]

As I noted, the fund is just roughly using whatever the global market cap happens to be, no matter how "miniscule." "High" is subjective. We can only know the optimal portfolio in hindsight; outcome bias is a terrible basis for portfolio construction. 60/40 not being right for you doesn't mean it's not right for someone else. No science to support rebalancing? The simple reason is to maintain one's asset allocation (risk/return profile): kzbin.info/www/bejne/f3vbmHxshZWVm7c

[@OshoRamseyGump]

60 Bitcoin 40 Stocks

[@OptimizedPortfolio]

Nah

[@OshoRamseyGump]

​@@OptimizedPortfolio True inflation > CPI Anything you put into bonds is a guaranteed negative real rate of return.

[@OptimizedPortfolio]

"True inflation > CPI" - agreed "Anything you put into bonds is a guaranteed negative real rate of return." - probably not.

[@DK-pr9ny]

Too much in bonds..

[@tungooska]

AOA is more aggressive at 80/20.

[@OptimizedPortfolio]

As usual, depends on one's goal(s), time horizon, and need, capacity, and tolerance for risk. As @tungooska pointed out, they also have a more aggressive version which is AOA.

[@hotballz72]

Would this fund be good for a Taxable Account?

[@OptimizedPortfolio]

"Good" is relative. Tax efficiency is a continuum.