First question is about picking stocks ETFS. I decided to build my portfolio as 60 / 40. My bond etf will be VDTY Vanguard USD Treasury Bond UCITS ETF. My question is about stock etfs. I have 2 options here. Only VWRD FTSE All-World UCITS ETF or I may use 4 different ETFS as US Stock ETF + Developed Europe ETF+ Developed Asia ETF+ Emerging Markets ETF instead of VWRD FTSE All-World UCITS ETF. All ETFs will be UCITS version. There is no ucits version of VXUS or VEU therefore i have to build it myself with 3 separate ETFs or i can just buy VWRD FTSE All-World UCITS ETF. My question is , Which one is better ? j. Bogle says always choose simpler one if there are more than one solution. So, is it better to go with only one stock ETF , VWRD FTSE All-World UCITS ETF instead of 4 separate ETFs ?
Second question is about timing. I know, it is impossible to make market timing and i know what J.Bogle said about it :
But i have more than 2M usd cash to invest. I wont invest all money at once. I mean i wont make purchases with all my cash in one day. I plan to split it smaller amounts like 50K and make purchases for 60 / 40 portfolio periodically. Is it make sense ? For example making purchasing every months 50K is good idea? How can i split my money and how often i buy stock \ bond ETFs ? Splitting it to small amounts and buying ETFs every week or every month is good idea ? I couldn’t find any information about this. Thank you for all comments.I don’t know anyone who can do it successfully, nor anyone who has done so in the past. Heck, I don’t even know anyone who knows anyone who has timed the market with consistent, successful, replicable results.”