I’ve been mentioning VBAL as a Buy including in the newsletter dated December 5. I therefore put it in the table of stocks as a Buy. It’s a good default position to provide diversification. It got hammered last year because it includes an allocation to longer term fixed income which got hammered as interest rates rose. That particular problem is probably largely behind it now so it’s set to do much better in 2023 (unless stocks really tank in which case it may still end up doing okay in comparison to a lot of other stuff).