My 2 simple 4-in-1 portfolios

Vanguard portfolio: VTI，VEU， VNQ， BND;

Fidelity portfolio (commission free): IVV， DVY， EEM， IYR

隻能有4個ETFs, 越簡單越好。否則，無異於SPY，甚至更差。

which portfolio do you prefer, V or F or none? why?

thx