Complex vs. Simple portfolio


Trying to decide between a complex and a simpler portfolio. Retirement, 35.

name alloc
VTI 25%
MGK 25%
SPDW 25%
LQDI 20%
CMDY 5%
BCD 5%

vs

name alloc
SPY 70%
LQDI 20%
BCD 10%


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