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Should I diversify 10% of my long-term portfolio into gold or a global ETF?
Moving from ML to Robinhood. Mutual funds vs ETFs?
EOW portolio update (8-13): Small portfolio up 39.9% and big portfolio up 36.8% since beginning of the year.
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> The issue is, I think even 2 years to expire leap puts are very soon to make any call. So I will wait it out longer before deciding if I take any short position on these Yea, 2 years should probably work, but I'd just sell 1 year calls on the bubble stocks after spacex ipo if I were gonna go this way. A lot of choppiness over the top period for 2000's bubble stocks like orcl and csco, will be rough holding a 2 year for that first year if that chop is repeated (I'd wager it will) thanks btw, i think a lot of these points address what I was trying to figure out > Keeping more than regular amount of cash in highest interest possible saving accounts ya, this makes sense, I just hold SGOV since my bank doesn't do much, and its convenient > Keep buying MSCI and S&P 500 ETFs are you referring to msci world etf URTH? wouldn't the world meltdown more than s&p given how much US is f'ing with energy supplies for everyone?
Seeing everything being more up than MSFT in my tradingview tracker. Nasdaq, SPY, IWM, NIKKEI, URTH, MAG7 ... even fucking META is 3x more up than MSFT today.
I reccomand you to invest 70% of your savings in well-diversified etf like VOO, ACWI, URTH. And you can decide where to invest the rest of savings. It could be bonds, commodities and crypto. Doing so, you can generate more return
just buy URTH. It’s 5 star rated and you get global exposure.
I like this approach, thank you I will consider investing 1k in URTH every month.
Vanguard’s VEA is actually “international” which is defined as “non-US”, while IShares ACWI is truly global large-mid cap (at 0.32% ER). Vanguard has their all-cap global etf VT at 0.06%, while State Street has a less popular all-cap global SPGM at 0.09% that’s more concentrated than VT but usually has better returns (price and dividend). I’d love ACWI at a VT expense ratio, but one reason it’s more expensive reportedly is it tracks its index better = attracts traders. Now iShares URTH is global developed, so it will invest in an index with the US, Europe, Japan and other long term capitalists countries, but leave off China, India, and smaller recent capitalistic coin. It does have some stocks that support the emerging mkts but are domiciled in the U.S. ~ less than 1% last I checked. Vanguard’s VEA is all caps developed ex-US with a cheap er but their VEU is all world ex-US large-middle cap with still some small-cap stocks. Another possibility if wanting to leave off China, India, etc.. but keeping South Korea is Schwab’s SCHF at just a tad more er for a large to mid-cap etf. There’s VXUS or IXUS with more small caps, but personally having only 100 mostly U.S. stocks in QQQ vs 3,400 to 4,400 in IXUS or VXUS kind of seems unbalanced to me (but YMMV). Also Fidelity offers an all-cap version of QQQ with the symbol ONEC.
Honestly, putting 100% in QQQ is super concentrated, so thinking about adding diversification makes sense. If you’re planning to hold for a decade, I’d personally lean toward adding a global ETF like URTH or ACWI, it gives you exposure to markets outside the U.S. and different sectors that might outperform at different times. Gold (like GLD or IAU) is more of a hedge; it won’t grow much, but it can reduce volatility and help during market stress. You don’t have to go all-in at once, maybe start with 5-10% into the global ETF and see how it feels. That way you’re not trying to time a perfect pullback but still start building balance into your portfolio
SYY, RYCEY, CSX, & URTH are my current non tech stocks. Costco was really good to me for 5 years but sold it to move money into the AI bubble. Im young at 35 so gotta be aggressive.
Going 50/50 into exactly two *single* investments is an incredibly plan. You should *strongly consider* buying at least one broad market fund. Something with at least hundreds of stocks in it, if not thousands, will provide you with a ‘core’ position. It doesn’t have to be 80% or even 50%. I personally wouldn’t consider going lower than 50% but maybe 33% will work. If it’s only one it should be worldly. Think: SPGM, VT, ACWI, AVGE, URTH, etc. even IOO would be better than only two equities.
Super awesome that you are interested in investing right at 18! I was equally eager when I turned 18 as well. If you want a portfolio that you don't have to think about, you could do a split between VOO (S&P500) and URTH (iShares MSCI World Index ETF). This way you have exposure to the US, which is consistently the strongest global market, as well as an ETF with globally diversified exposure. You could dollar cost average both of these with the money you have, buying a bit each week/month to make sure you are buying while the market goes up as well as if the market goes down. Shoot me a DM, I'd love to chat with you more about this!
People may be invested globally and not even know. My AI-rich tech fund has 20% in non-US companies when looking at “exposure”. The global stock ETF from iShares (URTH) is 73/27 last I checked. I’ll give a little bias to U.S. companies knowing how to brand and ~~overwork their workers~~ practicing sound management, I just switch that to 80% US/20% non-US for a good round number.
Or buy URTH and get all the largest companies on this planet.
* **Core Holdings (URTH, VTV, FLTR)**: These make up the bulk of the portfolio, and they provide solid exposure to global stocks, U.S. value stocks, and bonds, which is a good foundation. * **Redundancy**: ETFs like **IAU** and **GLD** both track gold, and **IGSB** and **VTIP** both cover short-term bonds, so you might simplify by choosing one of each to avoid unnecessary overlap. * **Small Allocations**: With only 4-5% allocated to the other ETFs, it may not move the needle much. You could consider consolidating these into fewer ETFs with broader coverage, such as sticking with **IEMG** for emerging markets instead of splitting it with **EMXC**.
Just buy ETF on all world (like VT) or developed world (MSCI world) like URTH. If You already have S&P then get VXUS
I am moving to the US and will (most likely) become a US person next tax year. I have to sell my European ETFs due to PFIC taxation. It seems however that the MSCI World ETF and (also the Emerging Market ETF) have much higher TER than in Europe. TER of URTH is roughly double the TER of the European equivalent. Do I miss something or would I be better off with VOO (70%) + SCHF (30%) to roughly track the MSCI World with low TER?
is CSPX/URTH (75/25) a reasonable alternative for European resident?
Show me the index that is up 20% since the beginning of the year. Those are YTD performances for 2024 so far: SPY 4770 (15%) +7.5% DIA 37690 (15%) +2.6% QQQ 16826 (15%) +6.3% IWM 2027 (15%) +0.4% SPEM 35.41 (10%) +6.3% URTH 133.02 (10%) +6.6% FEZ 47.81 (10%) +7.1% AAXJ 66.57 (10%) +6.3%
I’d go with URTH and that’s all
I did. Here is how I invested. I want to show later why allocation matters. $GLD 7.5% $IMCG 20% $IUSG 15% $QQQ 25% REZ 7.5% $URTH 25%
There's an MSCI URTH ETF
aah i see, the URTH etf has LEAPS options available. will look into that, thank you
https://stockcharts.com/freecharts/perf.php?SPY,URTH&p=4
Hi everyone. I came here for some help + opinions if you don’t mind! In my roth, I am currently 100% VT and chill. I have done ETF splits before, but in the end I like the simplicity of an all-encompassing world ETF that I can sock money into, and VT provides me with that ability to do so. Anyway, I have been looking at this ETF today URTH. It is a world fund like VT except it’s developed markets only, including the US. VT is about 60/40% split give or take between US and international. URTH is roughly 70/30% minus emerging markets. I am looking for opinions on whether or not making the switch is worth it, because I definitely am interested in the idea. 70/30 is a pretty good split, giving me international exposure without emerging markets. Even though EM makes up only about 10% of VT, I am not necessarily sure if I’m sold on the idea of having it in my portfolio. BRICS has been sort of a bust outside of China and India, and investing in EM carries the risk and weight of investing in shady governments and things of that nature. Though China has had solid growth the past decade, their problems are coming to the forefront here, proving not to be so impenetrable. The only enticing part of BRICS is maybe India in the next decade. I want one world ETF and I just don’t know if I want EM in there. Therefore URTH seems to be the solution here at first glance? I am curious to see what people think here. Maybe I am overlooking something, or maybe you have a case for EM. Regardless, if you can help me out that would be great. Also I understand URTH has a higher expense ratio but it’s minor enough and the difference in a higher return in the past few years makes up for it I guess. Thank you so much!!
As someone who day trades on leveraged ETF’s I completely agree. 99% of people just need VOO/SPY and maybe mix in QQQ or URTH for some international exposure. Sit and forget. I’m more of a gambler and can offend to ride a ton of volatility but would never recommend to any novice investor and only to people who can afford to lose money and have a high risk tolerance.
Easily researched. Get to know the Portfolio Visualizer site: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2023&lastMonth=12&calendarAligned=true&includeYTD=true&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&reinvestDividends=true&showYield=false&showFactors=false&factorModel=3&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&symbol1=URTH&allocation1\_1=100&symbol2=VFIAX&allocation2\_2=100
You should compare it to URTH or VT which are also world ETFs, not the Nasdaq or SP500
No, that’s not the explicit goal, but rather that’s just what I expect. It’s a trend following program but rather than holding all its collateral in tbills it buys equity ETFs with 50% of its assets. You can extrapolate it’s returns about further back using AHLIX as a proxy on Portfolio Visualizer (add 50% URTH subtract 50% CASHX). It gives you a 10% return with a .8 sharpe. Im not to bullish on developed large cap, so I wouldn’t expect such strong returns over the next 5 years, but I still think it’s a solid strategy for those who want to increase return and can take on a bit more risk. Way better than 3x ETFs.
URTH etf will drop below 97 before the end of the year
Ok, without knowing what they allow, go with this allocation: 30% Large Cap 25% Mid Cap 15% Small Cap 30% International I like IWY, IMCG, IUSG, and URTH. Good luck.
URTH (pronounced EARTH) Developed World ETF (like VT)
>URTH Why not just use a developed markets ETF? Do you really want developing in general?
URTH is a better all world (developed) ETF, as it leaves out shithole countries like Russia and Saudi Arabia.
Depends entirely on your financial situation/ goals. A common approach: Save up to a year's worth of expenses in a high yield savings account like Ally Bank or Discover. Maintaining this allows your investments to grow untouched. Invest a minimum of 15 to 20% of your income each year. Invest $6000/year in a Roth IRA account using a single Equity ETF such as: AVGE URTH or VT To invest more than $6K/year you can deposit anything over the $6000 in a taxable / individual investment account, and can do so tax efficiently using ETFs such as: AVGE VTI & VXUS together 60/40 or VTI & VEA 70/30 As you grow closer to your retirement date, gradually allocate small percentages over the years to a bond ETF like EDV. Work. Save. Invest. When it comes time to retire, withdraw 2 to 3% a year. Are there other approaches? Absolutely! However, the vast majority of investors are best off investing as I outlined above.
URTH tracks MSCI. MCHI is China. KWEB is Chinese tech and web companies. CWEB (my favorite) is levered KWEB.
A lot of index ETFs, quite a bit of google, some mixed stuff. However, I do make sure that I hold some cash as well as hedges (SARK and LABD) to protect. Cash is something I still see ss powerful in this situation. In the end, I am mostly long, because I can always wait out a recession. But I also made sure that I am prepared, having sold 8k URTH and all my margin positions recently when the time was good
Vanguard's global fund is VT, it has a much lower expense ratio than URTH. VOO is good if you want to overweight US large cap. I'd avoid BRK right now in favor of SCHD, you could also consider going long the 10yr bond if it goes over 3% yield.
Look at the holdings for URTH. The vast majority of it is the same as VOO. I’d buy something like SCHY that has solid dividend paying international stocks.
Planning to help my mom invest, how does 40% URTH 40%VOO and 20% BRK.B sounds? I don’t wanna be too risky with my mom’s portfolio
S&P is not very diversified. I would buy a World etf, like URTH.
Well I personally always prefer a 60% US, 40% international mix but basically yes you would not go wrong with that allocation. My portfolio benchmark is SPY (15%) DJI (15%) QQQ (15%) IWM (15%) URTH (10%) FEZ (10%) AAXJ (10%) SPEM (10%) But you can always allocate more to US. I personally think that international markets will outperform US next 1-2 years.
I don't want to sound arrogant, but you made big losses in the greatest bullrun in the history of the American stock market and it appears you shouldn't do any kind of stock picking yourself. I think you're better of with automatically investing monthly in to VOO or URTH and depending on how much risk you want to take some TLT to lower the volalility. And then don't do anything with that except just invest a fixed rate every month
Well, if your aim is strictly to diversify, a global index fund like VT or URTH does that very well
Your broker should have that feature. However you can easily do it yourself. I calculate my performance against benchmarks weekly. This is how it looked like yesterday Benchmark (Year to date - since close Dec 31 2020) SPY 3756 (15%) 16.9% DIA 30606 (15%) 13.5% QQQ 12888 (15%) 15% IWM 1974 (15%) 13.1% SPEM 42.16 (10%) 2.4% URTH 112.41 (10%) 14% FEZ 41.72 (10%) 9.4% AAXJ 89.61 (10%) -4.4% Average YTD: +10.9% +0.6% ETF benchmark +10.9% +0.6% Small portfolio +36.3% +0.1% Big portfolio +33.3% +0.2%
Stick with ETFs man. Mirror SPY, QQQ, IWM, FEZ, URTH, AAXJ and SPEM. I use them as forever ETFs.
You are not at the stage where you should hire someone. Your 401k almost certainly has a target date fund - fund with a year in it (like 2050). Just buy a fund with a year close to your 65th birthday and put all your 401k into it. This fund will automatically manage your 401k appropriately all the way until retirement. In your Roth IRA put it 100% into URTH (an ETF) to get a globally diverse portfolio. A lot of younger investors are bias towards SP500 because it’s been so strong over the last decade but I remember previous bull markets when it was crushed by other types of stocks.
If you only invest in US stocks. Benchmark should always include international stocks and emerging markets plus Asia dragged the benchmarks this year. Benchmark SPY 3756 (15%) 17% DIA 30606 (15%) 14.1% QQQ 12888 (15%) 16% IWM 1974 (15%) 12.8% SPEM 42.16 (10%) 1.6% URTH 112.41 (10%) 14.6% FEZ 41.72 (10%) 12.7% AAXJ 89.61 (10%) -2% Average YTD: +11.7% -0.5%
Buying puts on URTH. Yeah I said it. Betting on the world going up in flames.
I like some funky stuff that is probably not all super popular around here IDRV, ICLN, SUBZ, ARKW, ARKK, SPYG, SOXX, SUBZ, BUYZ, URTH, BOTZ, HACK, etc. They will definitely not all be winners, but I too have 30 years and I'm willing to put some money towards risky etfs.
Vanguard Total International Stock ETF tracks a global index exclusive of the US. It is huge and Vanguard is one of the oldest, biggest, and best management companies in the world. Ticker symbol is VXUS. You can Google that or read detail info on the Vanguard site. The iShares MSCI World ETF is another one worth looking at. It's ticker is URTH.
1) URTH 2) SNDL 3) VWAGY 4) EEM 5) Cryptos..