> Yeah, and those have underpermed historically […]

Huh? Underperformed what, exactly? A globally-diversified portfolios of stocks have underperformed …a globally-diversified portfolios of stocks? …tech stocks? …consumer staples? …utilities? …Treasuries?

1/3/5/10/20-year annualized returns are available at:

* https://canadianportfoliomanagerblog.com/model-etf-portfolio...

> […] and it's definitely not recommended by most people.

Again: huh? Who is not recommending index funds for most people? And what is recommended "by most people" if not index funds?

Look at IXUS or VEU for example, in the past 5-10 years, or even longer, they have significantly underperformed US indices.