We have hand selected a diversified set of 5 low expense ratio ETFs with strong historical performance and lower volatility. These include:
VOO (Vanguard 500 Index Fund ETF) - investment in blue chip US stocks. Historically high returns over decades even when comparing across asset classes. One of the lowest expense ratios of 3bps.
AGG (iShares Core US Aggregate Bond ETF) - investment in US bonds that move somewhat countercyclical to equities, providing a balanced portfolio. Low expense ratio of 5bps.
IAU (iShares Gold Trust) - historically proven to be independent and countercyclical to equity markets to serve as a safety asset for market downturns. ETF stored physical gold instead of investing in gold companies or buying contracts. Slightly higher expense ratio to compensate for storing physical gold of 25bps.
PDBC (Invesco Optimum Yield Diversified Commodity Strategy No K-1 ETF) - investment in a diversified basket of commodities that serve as the foundation for global economy. Reasonable expense ratio of 62 bps.
VNQ (Vanguard Real Estate ETF) - investment in REITs that own residential and commercial real estate in the US. Goal to provide exposure to US real estate, that is in the down-cycle now but that we expect to rebound in the medium term, to investors at a reasonable expense ratio of 12 bps.