My 2 simple 4-in-1 portfolios

Vanguard portfolio: VTI，VEU， VNQ， BND;

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

只能有4个ETFs, 越简单越好。否则，无异于SPY，甚至更差。

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

thx