Thanks for the very well thought comment Larry. As you point out “Fund of funds” can be tricky with their costs. Also, fund of funds holding international stocks may have additional unrecoverable withholding taxes from dividends compared to funds that hold stocks directly.

I almost hesitate to wade into these waters. It’s the dilemma of “keeping things as simple as possible” vs “as efficient as possible”. However, I think I need to trust my readers that they can handle getting into the weeds on important issues.

So, long story short, I’ll eventually (my writing list is long at the moment) write an article on the caveats of “fund of funds” models.

There is no truly free lunch.

Sharing personal finance lessons I’ve learned on my journey from debt to Financial Independence. Join my weekly newsletter: http://bit.ly/3oQESwh

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store