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Well my friend wanted a conservative portfolio and have access to US ETFs but not funds(Alien). He also wanted a super simple portfolio and income of around 4%. I came up with this:
DVY 25%, PID 25%, TIP 25%, GIM 25%
TIP was chosen over AGG as GIM holds little/none inflation guarenteed bonds.
My only worry is the high focus on financials/utilities. So considered IWW and EFV instead but income around 2% only which MIGHT be enough.
Also I would prefer a foreign ETF for foreign bonds rather than GIM (closed end fund) but lno choice currently.
Finally I considered some foreign RE like IGR or RWF for diversification as well as income booster. Might be added later after which IWW and EFV might be able to take over from DVY/PID.
he plans to never sell any shares except for re-balancing.
Cheers!
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