[solenoid0937]

Active management in general is a poor idea. You'll get better risk adjusted returns by investing in total world equities (like VT). Check out Bogleheads to learn the basics. If you want to get more advanced, you can learn about factor investing as well, but VT is enough for the vast majority.

If you want to get intuition for why this works, this is a really fun and interesting video: https://youtu.be/TQuxVz52w2w

[donbox]

For VFOROX, the expense ratio is 0.08% which is pretty low. Also VT is 45% of it. VFOROX looks well balanced to me, with 3:1 equity to bond ratio.

https://investor.vanguard.com/investment-products/mutual-fun...

[ifwinterco]

The boglehead approach has worked fantastically for ~40 years, but now that everyone is doing it, it may no longer be the case going forwards.

Normally with these things when absolutely everyone is crowded on one side of the boat, you want to be on the other side

[OvervCW]

What exactly is the opposite side? Is it actively managing a portfolio? Because most people don't have the time to do that.