VEA
Vanguard FTSE Developed Markets Index Fund ETF Shares
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Would AVLV theoretically be any more profitable than a passively managed fund like VOO?
Seeking Thoughts/Sanity Check on A Revised Portfolio
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Seeking Feedback to Build a Strong and Diverse Portfolio - Any Advice?
Confusion, Don't the 2 ETFs track the MSCI EAFE index? TsP I Fund
My HSA investments got liquidated and moved to Wealthcare
Consolidate (VWO, VEA) into VXUS and (VTV, VOT, VB, VOE) into VTI?
Why are 2 new mods in here that only shill a deadtech like Cortexyme? How can you not see the obvious shilling?
It's way better to buy at market close than at market open, most gains happen overnight for major ETFs
Replace VTI with Divident + Non-divident ETFs?
Schwab Mutual Fund Builder vs Weathfront Robo $90k to invest.
I have $85k to invest for 10 years or more..what do you think of these options?
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>is the common advice still to just blindly pile into the S&P 500? it depends on who you ask. Rob Arnott is a big name in the investing world, and 2 years ago he was recommending international value stocks. https://www.youtube.com/watch?v=YzZuwe0IPEE for 2025, Arnott's FNDE was up 25%; VEA was up 42%; IVLU was up 46%; FIVLX and AVDV were up 45%; DODFX was up 38%; and TRTIX was up 44% ... to pick a few international value funds. >than it has for the decades of American stock market over performance decades? an international developed markets index outperformed the S&P 500 every year from 2002 to 2007, 1983 to 1989, and occasional other years here and there. https://www.blackrock.com/us/financial-professionals/literature/investor-education/why-bother-with-international-stocks.pdf and outperformed almost 50% of rolling 10-year periods back to 1970. https://www.tweedyfunds.com/wp-content/uploads/sites/10/2022/09/Dichotomy-Btwn-US-and-Non-US-Sept2025-Fund.pdf >Personally I think it's incredibly risky to not have a significant international portion of anyone's portfolio at this point. I have rebalanced to ~60/40 International/US in my equities given what I'm seeing happening in my country as an American. it would have been best to rebalace a few years ago when international was beaten down and unloved. but better late than never, assuming you're willing to ride it out the next time international slumps. virtually all professional investors recommend global diversification. it's mostly younger people on reddit who say the magic S&P 500 is the only thing you ever need in the portfolio.
VEA, EEM both +33% in 2025 while SP500 +17% Periods of sustained weakening dollar has resulted in outsized gains to international stocks relative to US equities. Look at 2002-2007
My Fiduciary suggested VOO and VEA at 70/30%; little overlap
I do VTI, VOO, VWO and VEA. Majority being VTI.
Generally investing in passive broadly diversified funds like VOO and VTI make sense. As pointed out elsewhere, they overlap so pick one. The issue now is becoming that a few large tech consituents are an extremely high percentage of the index. It is worth temporarily considering an allocation to RSP, equal weighted S&P 500. I am also a big believer in global diversification, so consider adding an international developed (VE or IDEV) and an emerging ETF (EEM or VEA).
Well my portfolio is VTI, VEA, and SOFI so I guess 100%.
2000 was eclipsed by euphoria and paranoia. It was obvious we were heading into darker periods and instability. We went from party 90s, to obvious corruption at the end of Clinton. It felt slower than now or 08. There were warnings, but also stronger institutions. The greed is good crowd got spanked. 08 was traumatic. Personally 08 changed my approach and permanently altered my risk tolerance. Recovery from -52% took forever. It was the first time I had no idea what I was spending money on. It felt like gambling, not investing in healthy companies or opportunities. That vibe seems to be present now. I’m also irrational, and spent most of 2025 in EBY and VEA. Can’t explain the contradiction.
And VEA outdid VXUS obvious pivot away from weakening dollar and hedge against perceived tech valuations
You don’t need SCHD at your age, your focus should be on total return, i.e., dividends PLUS capital growth. You’re unnecessarily omitting non-dividend paying stocks. Look at VTI/SCHB to capture the broader market. SCHD may make more sense if/when you may actually need to rely on dividends in 30+ years. You’re also heavy in US-only stocks. This is always a debate but I believe you should have some weighting in developed/emerging markets, like VEA & VWO. This year is a good example of international outperformance relative to domestic.
Here are a few tools that you could use to examine this problem but none of them will be perfect. The classic example are the SPIVA studies but those compare the real world after-fee performance of active managers to the frictionless hypothetical performance of the index. They also seem less concerned with how appropriate the benchmark may be as a measurement of a fund. So, one step better than SPIVA would be to compare active managers against the performance of a real-world index fund that serves as an appropriate benchmark. (IVV/VOO for US large blend, IEFA or VEA for international developed etc.) This is the level you can easily achieve for analysis using a tool like Morningstar or a heatmap. Morningstar allows you to compare an index fund against its peers in a category. A heatmap tool could provide risk-adjusted performance comparisons or pure performance comparisons but these are typically available to financial professionals. Going beyond this level would require you to determine which finds actually seek to outperform their benchmark long term… which is squishy at best. Some funds include language such as “seeks to outperform XYZ benchmark” or “seems to provide a smoother return over a full market cycle compared to XYZ benchmark” which can signal that they are trying to compete or trying to provide *risk adjusted* returns. Unfortunately, many funds give no specific language either way. There are other problems like funds closing over time, management philosophies changing, style drift and a half-dozen other variables that could confound your data. If I recall correctly Ben Felix or one of his guests did mention that pre-fee performance of active managers is actually very competitive or maybe even bears the index? None of this gets you closer to your goal of a proper benchmarking study. As someone who has also considered this problem (and has access to more data/resources than a retail investor I have found it difficult to solve but I hope some academic puts it to the test in a rigorous way. My general takeaway from the time I spent pursuing this question is that different parts of the market favor different styles: US large blend is so efficient that a pure index works great. Factor based investing seems to work well for small caps. Active managers hold up better in international markets but the index still does very well. Bonds seem to be the one area where active management can find an edge.
I put a portion of my income every month into stocks, no matter what. VOO is my default but for past few months I’ve been doing CMF (live in CA) and VEA/VWO instead. I’m looking at treasuries for Q1 2026.
Cool list, but let's add some context: Most of these are either: Sector bets (gold, silver, copper miners) -extremely cyclical and volatile. They crushed it in 2025, but check their 3-year or 5-year returns. Many were deep red before this run. - Leveraged/niche plays** (3X miners, thematic ARK funds) high risk, high reward. ARKK was down -67% from peak to 2022. One good year doesn't erase that. International diversification (EZU, VEA, EEM) - these lagged the S&P for a decade. They're finally having their moment, but that's mean reversion, not sustained outperformance. The real takeaway: You can beat SPY/QQQ... if you pick the right sector at the right time. But that requires timing and luck. Most people who chase last year's winners end up buying high. Boring truth:A diversified portfolio (like VT, XEQT, or even just SPY) won't top this list in any single year, but it'll keep you invested through all market cycles without trying to predict which sector pops next.
Did you knew on Jan 1, 2025 that these will beat broad market index funds? And which funds will beat the index funds in 2026. Also these are a such a mash up of ETFs. Something like VEA can absolutely be part of index fund portfolio. Then there is Kathy Wood’s ARKs!
Couple of things: 1. I think you’re under-exposed to non-US markets. The US has been on a multiple expansion run, but something like a VEA or VYMI would do well to complement having more exposure to markets that could do well in the next 20 years - on top of your VT allocation. 2. I think 5-10% of “fun money” would be appropriate - to take calculated bets on companies that you do appropriate research on and think have a 10 year runway to do well (ie SOFI, AMZN, GOOGL, MELI, BN, etc). There are good companies this consistently outperform the S&P500 or are the companies hitting their growth curve that will be reflected in their stock price. But be disciplined and don’t put money in that you’re not prepared to lose. Do your research - there are several good YouTubers that talk about narratives & fundamentals of stocks (Patient Investor, Joseph Carlson, Daniel Pronk) - they might be good ideas to get stock picks from or cross reference ideas.
Just did some trades in my portfolio. Putting some faith in CEG. VEA and CIBR were the others. But I’m trying to diversify, so I didn’t touch things like SPY and NVDA. ETIHX also did great for me YTD.
Either VT or VTI &VEA+VWO
Can you not just buy some vangard developed markets etfs? VEA?
I mean how much were you planning on investing in each company? I don't see the point in investing tiny amounts in a bunch of companies/random ETFs. I would do something like $30k in VOO, $15k in VXUS or VEA and $5k in BTC.
add VEA (developed international, no china or emerging markets )
SPYM or VOO 60% - s&p 500 VEA or SCHF 40% - developed international no china
PHYS, EEM, IEFA, VEA, IWM, XLK, XLP, XLV some tech now maybe, in shares
If you are going to invest in total market ETFs like VT, VTI, VOO, VEA, VXUS then no, you don’t really have to research that. If you want to invest in individual stocks, then yes, you would want to research that. And that is complicated. Some segments or industries have higher or lower valuations. Software tends to be higher because it has a lower barrier to business expansion—you just need more copies of a digital asset (not just, but you don’t need to buy a bunch of tractors or factories usually). So then companies are valued relative to others in their industries—based on what the likelihood of earnings growth is among other factors. So, if a comparable business gets bought out by a larger one, it could cause a revaluation for instance, based on the comparable sale. For the S&P 500, PE ratios near 20 are going to be the norm because these are established and growing businesses (on average)—otherwise they wouldn’t have made it into a list of the 500 largest profitable businesses in the US. Generally these businesses are going to be stable and so their equity risk premium is going to have a lower spread to the risk free rate than smaller, less established companies. PE ratios are elevated because a lot of investors are betting on earnings growth from this new AI tool. Pricing the market at “normal” price during a time when a transformational tool might serve as a catalyst for rapid growth would intuitively seem to be a mistake. It would seem to be a steal to buy the whole market at 18-20 PE ratios when one of the most powerful tools in human history had just entered the stage—and that’s one of the main things driving prices.
SCHD SCHY SCHB all equal split DCA over 2 years would be my go if it has to be all stock 300k just my opinion not advice and those ETFs are not absolute and interchangeable VOO VYM VYMI or SPY DIA VEA and so on so forth
VXUS, or if u only want established markets VEA or if u only want emerging markets VWO
Is there a benefit to VXUS vs VEA?
401k is just VOO, VEA, VWO. IRA is FXAIX/FZILX/AVUV/RPV/AVDV/DFIV
The S&P 500 (not SMP500) is an excellent core choice for long-term investing. With a 20-year horizon, you're positioning yourself well for compound growth. Consider a low-cost index ETF like VOO or SPY. For diversification, you might add: - 10-20% international stocks (VXUS/VEA) - 10-15% in bonds (gradually increasing as you age) Your Bitcoin allocation makes sense as a small speculative position (<5%). Just ensure you understand wallet security and storage. Most important: automate regular contributions regardless of market conditions. Time in the market beats timing the market, especially over 20 years.
I created what I think is a safe and well diversified long term portfolio. Point out any flaws or oversights. || || |Asset|Percentage|Vehicle|Notes| |S&P 500|50%|$VOO|Ol' reliable| |High Dividend ETF|10%|$VYM|Value Stocks / Passive Income| |Developed Markets ETF|10%|$VEA|International Exposure| |Real Estate ETF|10%|$VNQ|Asset Diversification / Passive Income| |Gold ETF|5%|$GLD|Inflationary Hedge| |Bitcoin ETF|5%|$IBIT|Inflationary Hedge| |Speculation / Hedges|5%|Growth Stocks / $QQQ|Swing Trades / Hedges| |Cash / Bonds|5%|Cash / $BND|Cash & Cash Equivalents for buying opportunities| |Total|100%|||
I created what I think is a safe and well diversified long term portfolio. Point out any flaws or oversights. || || |Asset|Percentage|Vehicle|Notes| |S&P 500|50%|$VOO|Ol' reliable| |High Dividend ETF|10%|$VYM|Value Stocks / Passive Income| |Developed Markets ETF|10%|$VEA|International Exposure| |Real Estate ETF|10%|$VNQ|Asset Diversification / Passive Income| |Gold ETF|5%|$GLD|Inflationary Hedge| |Bitcoin ETF|5%|$IBIT|Inflationary Hedge| |Speculation / Hedges|5%|Growth Stocks / $QQQ|Swing Trades / Hedges| |Cash / Bonds|5%|Cash / $BND|Cash & Cash Equivalents for buying opportunities| |Total|100%|||
You would likely be better served to hold something like IEFA, DFAI or VEA than SCHY for your international sleeve.
On that note, why do people recommend VXUS over VEA or VEU?
VT is VOO+VXUS (or more accurarely it's VTI + VXUS). VXUS is VEA+VWO. VEU doesnt have small caps, so it's like VOO and VXUS is like VTI. To be the most diversified in the simplest way, just buy VT.
Here are the big ones from Vanguard: Total World (VT), US (VTI), ex-US (VXUS), Developed markets ex-US (VEA), Emerging Markets (VWO). If you want to get really in the weeds, I believe that Dimensional and Avantis are worth the small increase in expense ratios for some small factor tilting, profitability screening, etc, so I incorporate several of their funds. DFUS, DFAW, DFAI, DFAE are Dimentional's equivalents to those Vanguard options I listed
VEA is up 34.4% since April 8, VOO is up 28.8%. https://finance.yahoo.com/quote/VEA/history/ And https://finance.yahoo.com/quote/VOO/history/
6K into VTI - 1.5K into VEA - 1.5K into VWO - 1K into BNDW - completely forget about it for 20 years. Or….Vegas?
It's overcomplicated in my opinion. You could simply buy VTI and cover the entire US market. Add VXUS or VEA for foreign exposure, and focus on adding, rather than babysitting. 80% VTI with 20% VEA will likely match or outperform the proposed portfolio indefinitely.
I am a young, risk-on investor looking to maximize long-term growth while maintaining balanced exposure. I am pretty confident on my allocations but have two questions. 55% VTI 10% AVUV 10% FTEC 10% VEA 10% VWO 5% IBIT 1. Should I swap VTI for VOO to flush out the small-cap growth? Or does VTI provide better diversified exposure for the long haul (i.e. mid-caps)? 2. Increase AVUV to 15% by decreasing 55% -> 50%? Seems like small-cap value is best bet for my long-term goals, but the recent extended underperformance is daunting. Regardless, what's the best balance? The answer could depend on whether VTI or VOO is selected. Any thoughts much appreciated. Thanks in advance.
The simple sucessful ETF portfolio I had used in the past is below. It's over- weight in tech, but thats where the returns have been the last couple of years. You can add other EFTs for other sectors to target, Xbi-biotech. I use the VOO/VEA combination before for non-US stocks and emerging markets. I like having a Cathy Wood's active managed ARK fund to boost returns, ARKK, ARKG or others. 1. VONG 80% 2. SOXX or SMH 5% 3. XLK %5 4. ARTY 5% 5. ARKK 5% I like VONG, 1000 Large cap growth over the plain VOO, S&P-500. I'm retired now with more time on my hands and have migrated over from hold & forget ETFs to pure stocks. Good luck.
Slowly moving over to VEA, yeah.
Right. Should clarify that - I came from an "emerging country" and personally I don't want that exposure. So my candidates for International Pillar are really IDEV, VEA, SCHF, etc. Developed market only
invest in an international ex USA etf like VEA
It's for a similar reason that I switched from the 3:1 ratio of developed-emerging markets in VXUS and instead do 1:1 with equal parts VEA & VWO. There's big players like China, India, Taiwan, as well as Brazil, South Africa, Mexico - all places with a lot of potential, and at least this year, it appears to be working. Also, if anyone missed it, Vanguard now offers an Emerging Markets ex-China ETF (VEXC) too
VEA etf and laddered CDs And maybe some GLD
Exactly, As usual a well balanced portfolio is is the solution though dollar cost averaging. So don’t put 100% in QQQ or VOO. Don’t have 100% in equities. Don’t have 100% in bonds. Don’t have your portfolio too concentrated. I am 23 years old. I only buy fractional shares of stocks and they are less than 2% of my portfolio. I have 50 different ones. I do not have 100% stocks. I have 1% cash I like being able to adjust my stocks to prevent them from getting too big or getting too small. The companies I invest in are long term picks. Stable mid and large caps with low debt/strong growth. I do not have 100% us stocks. My portfolio has international. EXMC, VEA and a small % of VGL. I also do have bonds. Only 3%. 1% international 2% domestic. In bond funds that focus on high credit ratings that have a great history during 2008. Just don’t be stupid. It is not hard if you want to win in your investments just be less dumb than those around you. Don’t buy when a stock is down 15% (indexes are the exception). Don’t sell your indexes if the stock market goes down 50%. The only time you should do this is if you wanted to take a wash sale. Which that would even not really be recommended. Essentially just speak to a fiduciary. I am just a dude on reddit.
You might consider VEA and VWO for exposure to developed and emerging markets. Especially with the US governments approach to weakening the dollar these are a useful diversification
Non correlation is the main reason the average investor would hold emerging markets. And they are already captured in funds like VXUS or VT so there's no need to get them separately. You may need to in order to make a complete international index, for example my 401k has VEA but not VXUS so I do need to buy emerging markets separately. The other reason is indeed to increase risk, as more compensated risk = higher expected returns. Or just to diversify sources of risk in a Larry Swedroe/Ray Dalio style risk parity strategy.
Great questions. For long-term diversification, I'd lean towards the global ETF (ACWI or VEA) over gold. Gold doesn't generate returns like equities and is more of a volatility hedge. A world index gives you broader exposure and potential growth. As for timing, trying to time the market is usually a losing strategy. If you're truly planning a 10-year hold, dollar-cost averaging now might be smarter than waiting for a perfect pullback. Your QQQ is tech-heavy, so a global ETF would provide nice sector and geographic balance. Personally, I'd do 10-20% in ACWI and keep the rest in QQQ.
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.
Vanguard Tax Managed Fund FTSE Developed Markets ETF (VEA) is hitting all time highs today, which, fuck yeah!
Don’t go all in if you’re hesitant or you might sell when there’s a pullback and panic. You don’t know your risk tolerance yet. Definitely start though, just ease in if you’re hesitant. Depending on how active and risk tolerance, which again you won’t know ahead of time, I would do something standard like VT; VTI/VXUS; VOO/AVUV/VXUS or VEA/VWO in a percentage split you’re comfortable with and DCA up or down. Round it out with IBIT. Tweak as you like.
If you're not looking to pick stocks, just buy an ETF like VXUS, or VEA if you want to avoid China and other developing countries.
7.71% of VXUS is China. Their stock market is over inflated. I sold VXUS and bought VEA. I won't support China.
Hello! I've heard and read in several places about diversification, and particularly the recommendation to combine S&P 500 ETFs like VOO with ETFs from other markets, like VEA for example. My question is: has anyone done a correlation analysis? In such a globalized world, can one really fall and not the other? Does this truly work to reduce risk? Thanks!
For total international (non-US), it’s VXUS or VEU for Vanguard. VXUS has more small caps as a % though VEU has a slight performance advantage most years. The iShares IXUS is between the 2. Some separate international further out into 3 developed to 1 emerging (so VEA, IDEV or SCHF to VWO, IEMG, or SCHE).
For total international (non-US), it’s VXUS or VEU. VXUS has more small caps as a % though VEU has a slight performance advantage most years. The iShares IXUS is between the 2. Some separate international further out into developed> emerging (so VEA, IDEV or SCHF>VWO, IEMG, or SCHE).
VXUS or VEA depending on how you feel about emerging markets!
Fair enough. This assumes you already hold a US specific ETF like a VOO or VTI, leaving only the VXUS part of VT out. I would compare VXUS against a three fund portfolio of SCHY, VYMI, and IDMO. A lot of people seem to dislike how ex-US VT is and tend to have 80% in VOO/VTI and 20% in VXUS/VEA. I was hoping to show an alternative to that. I think that my alternative is pretty performant while minimizing drawdowns. Again, I want to show people that there are options out there that are well worth a couple extra basis points in expense ratio and will more than pay for themselves.
Not preparing for a crash, so much as uncertainty in the USA and inflation. I rebalanced large chunks to: VXUS, VEA, VNQ and am holding more cash than usual, in after tax investments. Minor tweaks in retirement funds. The biggest move was putting almost all of the new Roth money into VYMI. Small rebalance to international for rollover.
No problem. I used to invest in VGK, FLGB, and FLJP before a financial advisor pointed out to me that VEA is basically a more diversified automatically rebalanced version of what I was manually doing with those ETFs.
So invest in developed markets instead of emerging…. Canada, Europe, Uk, Japan, and Korea. VEA is an index fund which restricts to these markets and omits china, Saudi Arabia, etc.
The S&P is melting away today. At least my VEA is up.
Make sure you test DFSVX vs SPY as well as DISVX vs VEA. Surprise, SCV outperformed
Today I realized that all the VIGI I bought is kind of sucking because Novo is one of the biggest holdings...my redditor'svpunishment for not buying VEA
Anything better than VXUS or VEA or VWO or VGK?
SPY, ACWI, VEA, IBIT, ETHA and the glorious BRKB, not an ETF though.
Some of it. Our (I manage me and my husband's) target allocations across all accounts (combined) are: 40% Large Cap (VOO) 15% Small/Mid Cap (VXF) 15% International (split evenly between VEA & VWO) 5% Alt Assets (GLD, DBC, VNQ) 5% Speculative Stock Picks (across my risky passion picks) And I keep a folder in ChatGPT where it remembers that, and every three months I share my current positions/values for each account (2 401(k), 2 IRAs, 1 Shared Brokerage) - and if rebalancing is needed it queues up what buy/sell orders I should make in each of my accounts. Saves me a lot of spreadsheet time.
Market returns would likely be higher than that, however, you'd greatly reduce risk by going with VOO, VT or VTI + VXUS/VEA or something similar.
Makes sense, even in TII it seemed more as a hedge against a stock downturn, but on the timeline I'm looking at that wouldn't make sense. Also on VEU vs VEA - I've looked at the holdings and I reckon VEA is what I wanted from VEU, thank you for pointing it out to me!
The idea was to stick with the Ben Graham ideal of no less than 25% in bonds, but honestly I'll have to evaluate if that actually makes sense for me. I'll also look into VEA vs VEU, thank you for this :)
You should have no bonds when you're young. I think VEA makes more sense as a core position than VEU.
VEA and VXUS are great options. VT is still heavily weighted to what you already have in VTI.
FTSE Global All Cap ex US; VEA has vastly out performed VOO and most of the gains are offset by the reduced value of the USD. It's an illusion, so don't believe the propaganda....it's going to get worse.
Mine is QS here but 20 years is a long time and it could fail. The correct answer is one of VOO, VTI, QQQ, or VEA if you’re a spunky lil thang.
VEA and VEU are solid choices with low fees and good growth/total returns vs international equity peers. IDMO is a large cap momentum fund that splits evenly between value, blend, and growth that’s also worth a look. IQLT is a quality factor fund that leans growth.
Foreign markets ripping today: - IDEV (MSCI Developed ex-US): +1.82% - DFIV (DFA Developed Large Value): +2.39%! - IEMG (MSCI Emerging): +0.90% I prefer VEA and VWO for their lower expense ratios, but DFIV benchmarks against the MSCI instead of FTSE.
Pretty much every ex-US index fund (e.g., VXUS or its mutual fund equivalent VTIAX) is focused on Europe/Asia, unless you have an issue with a 5% allocation to Australia, 1.2% in Brazil, 1% in S. Africa, etc. If you want developed only, then that's VEA. But imo if you want to diversify, no need to make it complicated and slice and dice regions.
Looks like a reasonable enough factor-tilted portfolio. Depending on the account balances you may want to tweak things down the line; it’s probably best to set an allocation target for the overall portfolio and pick what to do with each contribution based on that. For example, if you contribute way more to the IRA than the taxable account, you’re probably overshooting your small value international stocks and undershooting the VEA/VWO non-factor goals. Placement wise, you want the dividend fund in the tax-advantaged account and the down payment money in the easily accessible account, so that’s correct. Tax-managed in the taxable account is a nice touch that most people would overlook.
What should I change in terms of asset location for taxes in a high tax state? || || |**Roth IRA**| |VTI x 76| |XLF x 20| |VEA x 50| |FLCA x 50| |SOFI x 2000| |RY x 20| |BND x 28.5| || |**401(k)**| |VFORX| || || |**Taxable Brokerage**| |SGOV| |LDRT|
What should I change in terms of asset location for taxes in a high tax state? || || |**Roth IRA**| |VTI x 76| |XLF x 20| |VEA x 50| |FLCA x 50| |SOFI x 2000| |RY x 20| |BND x 28.5| || |**401(k)**| |VFORX| || || |**Taxable Brokerage**| |SGOV| |LDRT|
What should I change in terms of asset location for taxes in a high tax state? || || |**Roth IRA**|**Taxable Brokerage**| |VTI x 76|SGOV| |XLF x 20|LDRT| |VEA x 50|| |FLCA x 50|| |SOFI x 2000|| |RY x 20|| |BND x 28.5|| ||| |**401(k)**|| |VFORX||
Some great options: VXUS - basically the whole market outside the US VEA - the whole developed markets (Europe and Japan/Australia mostly) VWO - the whole emerging markets VYMI and VIGI - international high-dividend and dividend growth ETFs: these are large-cap funds tilted slightly towards value, profitability, and lower volatility VT - the ultimate “I just want average returns” stock, it holds essentially all investable stocks on earth weighted by market cap (size), so you could just sell whatever you have, buy this, and call it a day. Some higher expense ratio options you might want for specific purposes: AVDV and AVES - these are well regarded small-cap value funds for developed and emerging markets FEZ and AIA - these are ETFs of the largest 50 companies in Europe and Asia. If your investing thesis is “I like companies that have already cornered the market because they probably have competitive advantages”, this might be for you
Those 3 funds are more or less the same thing (VTI is weighted by market cap, so it is largely composed of the stocks in VOO/SPY), so just pick one of them. After several years of historic returns, the US market is severely overvalued and poised for a decade of poor returns (i.e. a big crash followed by a return to more normal growth). You would do well to put some money in something like VEA or VIGI (international large cap growth/blend) or VWO (emerging markets) so that your portfolio better weathers a downturn. Investing in lower-performing but lower-volatility equities, and regularly rebalancing between them during downturns, actually leads to *better* long-term performance - you can do some simple backtesting online using different mixes of VOO, VYM, and VIG to convince yourself this is true.
while VEA is fine, boglehead three fund portfolio recommendations VTIAX. And I’d just make each 1/3 of your portfolio. If you’re young, you are a bit too heavy on BND.
Nuclear stock and international stocks are what I'm buying. Reasoning: ***Nuclear is part of the AI trade.*** My simplified ecosystem stack: \* intellectual property - NVDA \* chip manufacturing - TSM \* databases - ORCL **\* nuclear power - LEU** AI consumes a lot of power. It is more power than we are currently equipped to generate. The policy makers have decided to redirect our power supply back to conventional away from green. That makes the upcoming supply even more constricting. Nuclear seems like the only logical answer to try and fill in the gap. I like LEU because it isn't tied to traditional utilities with many of its inherent problems. They are in the business of enriching uranium and the tech around doing that. They delivered on phase 2/3 of their sizable contract with the DOE on June 20th of this year. Obviously, there are many other companies in the nuclear industry, but I don't want to be on the delivery side with its inherent problems. ***International stocks are my way of debasing out of the dollar and trying to minimize erratic policy decisions*** **VEA** is an ETF that I chose somewhat randomly. I probably would have been better off finding defense stocks based in Europe since NATO countries have pledged to up their military spending. This isn't a get rich overnight ETF (and by its very nature, ETFs are have lower volatility). I've made money on this due to the institutional flows out of the dollar and the dollar losing over 10% of its value over the time that I made my investment.
You're off to a solid start, but there's overlap between VOO and QQQM - both heavy on megacap US tech, so your portfolio is more concentrated than it looks. VEA helps with international, but you're skipping emerging markets entirely. Bonds at 15% in your early 20s isn't wrong, but it's more conservative than most. Here's a breakdown of your portfolio: https://www.insightfol.io/en/portfolios/report/c3273aa0a7/
Before or in combination with starting to trade options, you might consider a little portfolio diversification (international stocks: VEA, EFA; bonds: AGG). You're young enough to keep most of your portfolio in risk assets, but a small bond/cash exposure will provide some ballast & "ammunition" for reinvestment in a downturn.
I got some VOO, VEA too ! I just wanted some individual ones too w/out getting everything else
Grok is my go-to guy right now for picking good stocks, since I only recently started investing. I jumped in around mid-April and my first picks were CrowdStrike and Bank of America, which I sold when they hit about a 40% gain a few weeks ago. I also had Nvidia, but sold it at around 35% profit just before the tariffs issue kicked off. I'm still holding onto VRT and HIMS, I got in a bit late there. Vertiv is currently up 13%, and HIMS dropped about 30% a month ago after the Norvo deal fell through, but I managed to recover some losses and it's now at an 11% deficit. I also still hold the Vanguard VEA, it’s still in the green. I sold VOO soon after the tariffs started again and took my profits. Living in the Cayman Islands, taxes aren’t a concern, just a $25 fee per trade.
Why Europe specifically? Are you trying to target other developed economies? Or just expand generally beyond the US? VXUS is a great fund because it's cheap and invests broadly across the entire rest of the world. If you want only developed nations, consider IDEV, SCHF, SPDW, VEA. I'd only do Europe specifically if you are investing in some idea that is tied to that continent.
These are all very different funds that seek to provide equity exposure to different parts of the world. VEA - tracks the FTSE developed all cap ex US. This tracks companies in developed countries primarily in Canada, Europe, Asia. And of all different market cap. VGK - tracks European companies only VPL - tracks Asia-Pacific companies only. FLCA - tracks Canadian companies only.
What is the difference between VEA vs. VGK + VPL + FLCA? Other than expense ratio?
What is the difference between VEA vs. VGK + VPL + FLCA? Other than expense ratio?
1. Former employer's stock, from ISOs exercised in 1984. 670k% gain 2. ORCL, 8,400 shares, bought in Sept 1997, 3700% gain 3. VEA, 24,000 shares, most bought. 3/2020 85% gain 4. ADBE, 2,700 shares, bought 10/2000, 1550% gain 5. MCHP, 12,400 shares, bought 7/96 and 1/98, 7150% gain
DFAS has consistently outperformed the Russell 2000, its relevant benchmark. Solid fund. At first glance DFAX doesn’t look spectacular compared to IEFA or VEA but DFAX actually includes emerging markets, not just developed markets. Compared to VXUS it has shown a slight but consistent edge.