VIGI
Vanguard International Dividend Appreciation Index Fund ETF Shares
Mentions (24Hr)
0.00% Today
Reddit Posts
Where could I backtest my hypothesis on a longer time horizon?
$NOVN makes up 4.35% of the VIGI ETF by Vanguard.
Are international stocks like VIGI subject to NRA WHT
Creating a Vanguard ETF portfolio based on asset classes recommended by Schwab aggressive asset allocation
Mentions
You’re 19, so I’d recommend SCHG 50%, VOT 20%, VBIK 10%, VIGI 20% And leave it alone for 10 years at least. Probably longer. You can rotate in your mid to late 30s towards the more traditional VOO at 70% keep SCHG at 20% and add SCHF at 10%
I have VOO, VIG, and VIGI as well as SCHD, QYLD, and QQQ. I’m not saying what you should or should not do or choose, those are just included in my portfolio.
same i have a lot of SCHD, VIG and VIGI as well
It's crazy how in the lary year VIGI is GARBAGE and VYMI is very good just because of the NVO in VIGI
Lots of different exposures. Look at schf for world. IDV. VIGI for income. IEUR IFL for europe and latin america and I love EWY for south Korea. Last year these indexes murdered the dow. 40-100%. I think it reflects the above sentiment that confidence is lost in US. I’m now positioned majority world and gold. The only think that will hurt this strategy, and it’s a maybe, is if a plaque dislodges from a certain artery.
Tons. You've got options like an international small cap like SCHC AVDV, or international high dividends paying like IDV or VIGI. For a lower risk like big cap S&P probably Schwabs SCHF - it's basic description: "The investment seeks to track as closely as possible, before fees and expenses, the total return of the FTSE Developed ex U.S. Index. The index is comprised of large and mid capitalization companies in developed countries outside the United States, as defined by the index provider. The index defines the large and mid capitalization universe as approximately the top 90% of the eligible universe. The fund will invest at least 90% of its net assets in stocks, including depositary receipts representing securities of the index; such depositary receipts may be in the form of American Depositary Receipts, Global Depositary Receipts and European Depositary Receipts." These have done \*very\* well lately. Also look at some individual country's markets like South Korea EWY - bananas growth, protect you from a crashing dollar, and they pay dividends too.
VIGI is the closest thing I can think of - 330 large cap stocks with a mix of value and growth.
VXUS is a very solid international ETF. Some additional options to consider: \- VIGI: Vanguard International Dividend Appreciation ETF \- VYMI: Vanguard International High Dividend Yield ETF \- AVDV: Avantis International Small Cap Value ETF
This is the version you would lock in and run for at least 10 years. ETF: VUG (Vanguard Growth ETF) Benchmark: Russell 1000 Growth Expense Ratio: 0.04% Why 75%: US growth remains the global growth engine, deep innovation, high margins, strong capital markets, avoids over-concentration while staying aggressive. International Growth — 15% ETF: VIGI (Vanguard International Growth), exposure: Developed + Emerging growth stocks Expense Ratio: 0.15% Why 15%: Geographic diversification, access to non-US growth leaders, limits drag from structurally weaker markets. Quality Factor Tilt — 10% ETF: QUAL (iShares MSCI USA Quality Factor) Factor: High ROE, low debt, earnings stability Expense Ratio: 0.15% Why 10%: reduces drawdowns without sacrificing growth, improves risk-adjusted returns, helps behaviorally during market stress. Cost & Efficiency: Weighted Expense Ratio: ~0.07% Turnover: Low Tax efficiency: Excellent Scalability: $100k - $1M+ with no changes Rebalance annually or if any sleeve deviates ±5%, direct new contributions to the most underweight ETF. This Portfolio intentionally excludes: SMAs, active mutual funds, crypto / NFTs, sector chasing, high-fee “advisor products”. Volatility: High Max drawdown, severe markets: -35% to –45% Long-term expected return: ~9–11% This portfolio assumes 10+ year horizon, no panic selling, no need for income today!!
A lot of my portfolio is in VOO, VIG, VIGI, and similar mutual funds/ETFs. For the least risk, most ETFs or Mutual Funds that track with the S&P 500 are considered the “safest” bet in the stock market. This isn’t financial advice but if you’re looking to buy and hold, having a “nest egg” in diversified ETFs/Mutual Funds in your portfolio isn’t a bad idea.
I bought a lot of VIGI instead of IDEV and it's killing me lol
Long answer: My largest holding is FXAIX (Fidelity's equivalent to VOO) so I guess by default I'm going with VOO to answer your question. I do hold VXUS and VIGI too and those have been doing well this year. My personal weights of US and international stocks don't equate to the weights within VT, so I can't go with VT. Short answer: Gun to my head, I'm going VOO.
You’re already got quite broad coverage with the VOO/VT strategy here. That being said, I’d have you think of branching out to more growth focused ETFs like SCHG, VIGI, IXUS.. but DYOR as always, these would be nice for Cap gains in a taxable account. Good place to be at, congrats on attainting/maintaining good safety nets here.
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
I hold a significant VIGI because I like the idea of some screening for quality and it has outperformed VXUS. Boglehead might win out eventually though
Set aside money you want to save (aka don't plan on selling for 10+ years) and then DCA (Dollar Cost Average) into several different indexes such as SPY, DIA, VIGI, SCHD, VTI. Let it compound. Don't touch it, don't think about it, just let it be. Even if that means buying .1$ each day over the course of a year. The market will do wonders over the course of a long time and you won't be reliant on a single stock. Participate in growth If in the future when you're actually making an income you want to be a bit more risky (smart when you're younger, less so when you're 35+) and put money into a few stocks with large upside potential id say go for it. The biggest lessons to learn at this age are the power of compounding and that you cant time the market.
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.
Consider looking into VIGI or SDY for more stable dividend yields.
I like VIGI or IGRO more as selecting for companies that are actually good. IDK what is diversified enough geographically since any of these funds are overweight or underweight certain countries compared to IDEV.
Think the basic case is too high a dividend can simply be returning principal to the investor, like a high dividend fund with a flat share value (NAV) yoy. Why go through the hoops just to get your own money back? There may be tax implications like in the US and the taxation of qualified vs ordinary dividends, but that’s an individual matter (ymmv). Also high dividends may or may not provide a cushion. Take preferreds which are their own class of high yield dividend stocks with a bond like par value. They got hit in 2008 as they were almost as risky as common stock. One exception may be dividend growth (Vig, DGRO, VIGI, IGRO), but also noticed the performance was about the same as the market. I do like some dividends to help with the accumulation, but especially US markets have prioritized growth since 1900 for a reason.
In May, I saved 82% of my income. I'm a 23-year-old guy living at home. I typically save/invest around 75% of my income each month. I contribute 10% to my 401(k), with a 3% employer match. My Roth IRA will be maxed out in September since I put $800 a month into it. I also put $500 into a brokerage account and another $600 into a savings account for a down payment fund. Starting in September, I plan to increase my 401(k) contribution to 15%. I’m fortunate to live with my aunt. My only necessary expenses are insurance (auto and medical), phone bill, gas, groceries, toiletries, and other essentials. I own a Mustang that I paid for in cash. Also, I have no student loans or any other debt. My retirement accounts I automatically invest into every paycheck. My 401(k) is 60% Fidelity 500 Index (FXAIX) and 40% Fidelity International Index (FSPSX). My Roth IRA is 60% Vanguard Total Stock Market (VTI), 30% Schwab U.S. Large-Cap Growth ETF (SCHG), and 10% Vanguard Total International Stock Index. I am still working on getting to my target percentages for my brokerage. However, my targets for my brokerage are 50% Schwab U.S. Dividend Equity ETF (SCHD), 25% Vanguard International Dividend Appreciation Index (VIGI), 20–23% Alphabet Inc. (GOOG), and 2–5% Canadian National Railway Company (CNI).
You've mentioned nothing of how this gold fits in the rest of your portfolio...risk tolerance.. goals. So all I can go on is you have some money...need to spend 5k and are 2 years older lol. Put 5k in a high yield savings account til you need to spend on your mystery expense. You obviously like gold....so keep some but not much. I happen to agree it's I likely to go up forever. However... With bond rates being not too too high, dollar losing value and China/Russia needing more gold to challenge the US dollar dominance ..I see it being strong in demand for another year or two. Anything past that is past what I can imagine right now. I think putting 60 in low cost diversified ETFs is responsible. Just any sp500 ETF or total market ETF is fine Of the 40% remaining....do a max of 10% in gold. Do 10% in Bitcoin (just buy the HODL ETF). Last 20%... Feeling aggressive you can buy a large cap growth etf. Feeling conservative buy a dividend ETF like SCHD or international ETF like VIGI. Want to swing for the fence....look into United healthcare.
VIG and VIGI are probably the best. Add some SCHD Reinvesting the dividends depends on the broker you use. Do you have an account set up already?
Trimming when and where I can. I finally set up a good DCA automatic investment plan...I've been back and forth on it for over a year, but finally convinced myself to quit trying to swing for the fences all the time. Plus, I never swung with large amounts...so the wins were nice, but left me with as much regret as the losses. SCHB, SCHG, 70% split. DGRO 15% SCHD 20% VIGI 5%. Once the dust settles, I plan to readjust a bit. For my stocks portfolio, I'm building into HON, DD, FTV, and CMCSA. All have spinoff plans. Also, BRK.B...because why not. They have a solid succession plan in place now.
For a hedge on the dollar, I’m looking at VIGI (conservative, dividend-oriented international stocks) + BWX (non currency-hedged international treasuries).
There's many ex-US ETFs. Whether you want to hold VXUS, VEA, SCHF, VIGI, etc. is up to you.
I kinda like VIGI - non US non China market etf that focuses on dividend growers to presumably be a basic screen for quality.
I like VIGI, VYMI, and DIVI better.
Any foreign ETFs or stocks that you like? I've mainly been buying VIGI, SCHY and AVDV lately. I've got some VXUS but haven't added to it in a long time.
Primarily ETFs such as VOO, VIG, VIGI, though I have shares of some individual stocks like KO, HRL, PG, etc.
I like companies with a track record of dividend increases. A good starting point would be to look at the holdings of an ETF like VIGI (Vanguard International Dividend Appreciation) and start reading about the companies. Among the Canadian holdings, you’ll also find Dollarama and Canadian National Railway. Both have delivered stellar long-term performance.
Current Portfolio: SCHG - 43.15% SCHD - 19.02% VIGI - 10.48% LMGIF - 6.17% ALG - 5.95% TOITF - 5.79% IESC - 5.37% MELI - 3.88% LLAP - 0.14% Very growth weighted currently but I am young so I can stomach the volatility.
For your first little bit you should establish some core ETF holdings and then once you’ve established that base venture into some individuals. Personally about 75% of my portfolio is in a mix of SCHG, SCHD, and VIGI. With the other 25% I usually pick small to mid cap stocks as I think you’re more likely to find pricing inefficiencies and have better returns in those areas. However, on a contribution basis I will never let those stocks become more than 30% of my portfolio because the chances of any of our stock picking beating the market over a long period of time are pretty slim without luck being on our side. If you decide to just try to stock pick anyway I would just buy something like AMZN to begin with as it’s already a very diversified business.
ETF stands for Exchange Traded Fund. It’s essentially a basket of stocks that you can buy. For example SCHG holds I believe 250 stocks within that ETF. It’s a good way to spread your money out into different companies to limit portfolio risk. As for the 60/20/20 split I meant to put 60% of your investing money in SCHG, 20% in SCHD, and 20% in VIGI. That should end up giving you a 60% Growth allocation and a 40% value allocation total.
For starters don’t tie up any money in stocks that you need in the near term. If I were you I would build up some core ETF holdings before you venture into individual stocks. Since you said you were in college I assume that you’re younger so I would recommend a growth tilt on your core ETF holdings. I do a 60/20/20 split of SCHG, SCHD, and VIGI respectively for my core ETF holdings which make up about 73% of my portfolio as a whole. I’m a young college student as well so I tilt mainly toward growth. I have an excel spreadsheet where you can test the historical performance of those 3 ETF’s in comparison with the S&P 500. Best of luck and feel free to message me!
Truthfully I think the best equity portfolio for the long term is 60% SCHG, 20% SCHD, 20% VIGI. As far as individual stocks go my top 6 picks would be MELI, ALG, EG, GOOGL, BRK-B, VRTX. Honorable mention to CRSP and NTLA as I think they are the future of medicine but wouldn’t recommend them as a core holding. ALG is my largest individual stock holding and I believe they have a very bright future ahead so long as they continue making good value roll up acquisitions.
i wouldnt do more than %10 of your portfolio in single stocks. The vast majority of portfolio should go into broader funds. SCHD is a pretty broad value based dividend fund that is great. I also like to diversify small percent into international equities and use VIGI for that.
>but I’m still really confused on the last part about VIGI and VTIAX… Just about everything in VIGI is in VTIAX (use VXUS for VTIAX, ETF Overlap: https://www.etfrc.com/funds/overlap.php). So why ignore the other 8,200 stocks that VTIAX would cover that VIGI doesn't? >so based off having VTI,VIGI and a Roth of VTIAX, what %’s would you recommend or changes if any. Consider all your accounts intended for the same purpose (such as retirement) as if they were one combined one. Then I'd give these a read: * https://investor.vanguard.com/mutual-funds/profile/portfolio/vtwax - Global market cap weights. This can be a great default position. * https://investor.vanguard.com/investing/investment/international-investing - Vanguard 40% of stock is recommended to be international. * 2022 Survey of target date funds: https://www.reddit.com/r/Bogleheads/comments/rffoe7/domestic_vs_international_percentage_within/ You can use whatever ratio you want, but hopefully you can justify it far better than "it's had a great 10 year return."
Sorry but I’m still really confused on the last part about VIGI and VTIAX… so based off having VTI,VIGI and a Roth of VTIAX, what %’s would you recommend or changes if any. Obviously I’ll do research and try and learn, but curious what ratios you would suggest. I obviously don’t know a fraction of what I should and a lot of this is over my head. I’m kind of a set it and forget it type investor tbh. Just don’t want a large chunk of money in a normal checking account.
>Just looking at the trends of VTIAX the price per share over 10 years went up $3 total. That still beats a negative 10 year return that VTSAX or VFIAX would have shown in 2010, doesn't it? And we know now how awesome 2010 through now had been for the US (and how poor emerging markets have done in comparison). That should show you how completely useless a 10 year back test is for the future. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=74K50REXOkTOGNijZjLk8b >I understand that chasing performance isn’t great, but if the S&P has been returning 10%+ on average for 30 years, Long term, the US returns haven't really been all that different than ex-US. It's only a fairly recent thing that the US pulled ahead and created such a large gap. To me, that's something to worry about (since 60% of my stock holdings are US), not expect to continue. * The US was only the 4th best developed country to invest in from 2001-2020, 5th if you include Hong Kong: https://www.evidenceinvestor.com/which-country-will-outperform-next-is-irrelevant/ * Ex-US has turns of exceptional outperformance as well: https://awealthofcommonsense.com/2023/05/the-case-for-international-diversification/ and https://www.blackrock.com/us/financial-professionals/literature/investor-education/why-bother-with-international-stocks.pdf (PDF) * Of rolling 10 year periods since 1970, EAFE (developed ex-US) has beat the S&P 500 over 45% of the time: https://www.tweedy.com/resources/library_docs/papers/Dichotomy%20Btwn%20US%20and%20Non-US%20Mar2022.pdf (PDF) or for the archived version: https://web.archive.org/web/20220501183228/https://www.tweedy.com/resources/library_docs/papers/Dichotomy%20Btwn%20US%20and%20Non-US%20Mar2022.pdf * https://twitter.com/mebfaber/status/1090662885573853184?lang=en with this reply: https://twitter.com/MorningstarES/status/1091081407504498688. Extended version: https://mebfaber.com/2019/02/06/episode-141-radio-show-34-of-40-countries-have-negative-52-week-momentumbig-tax-bills-for-mutual-fund-investorsand-listener-qa/ or here’s compared to EAFE 1970-2015, note that the black US line only jumps above the green ex-US line for the "final time" around 2011: https://donsnotes.com/financial/images/sp-msci-42yr.png (courtesy of /u/Kashmir79 from https://www.reddit.com/r/Bogleheads/comments/143018v/comment/jn9yiub/) * US vs Europe: https://www.reddit.com/r/Bogleheads/s/DJ2YVrLW4d >don’t you think it’s a safe bet? Not at all. * The last decade or so of US outperformance was mostly just the US getting more expensive, not US companies being much better than foreign companies: https://www.aqr.com/Insights/Perspectives/The-Long-Run-Is-Lying-to-You (click through to the full version) >I get VTIAX is worldwide, but VIGI having 10k of my portfolio also covers that. I don’t fully understand the comment you made about the dividends on VIGI Why focus specifically on a selection of dividend paying companies for your international coverage (outside the TDF)? Dividends aren't free money, as the share price drops by the distribution amount (so a $100 share would become a $98 share + $2 dividend).
Just looking at the trends of VTIAX the price per share over 10 years went up $3 total. I understand that chasing performance isn’t great, but if the S&P has been returning 10%+ on average for 30 years, don’t you think it’s a safe bet? I get VTIAX is worldwide, but VIGI having 10k of my portfolio also covers that. I don’t fully understand the comment you made about the dividends on VIGI. Not looking to argue, just looking for insight
>Just feel like the returns and growth of VTIAX over the past 10 years is very minimal. Which tells you nothing at all about the future (at least how you seem to think it does), and the future is the only thing that you should care about. In early 2010, you'd be looking back on a decade where the US wasn't even positive (making it was worse than VTIAX is today), while emerging markets had an amazing run over that time. The US spent a lot of time towards the bottom of the Callan periodic table between 2000 and 2010 and emerging a lot of time towards the top. So you'd have gone heavy on emerging with little to no US, right? But then you'd have done poorly after that, as emerging cooled off and the US swung into favor. * https://www.callan.com/wp-content/uploads/2018/01/Callan-PeriodicTbl_KeyInd_2018.pdf (PDF) or https://www.callan.com/wp-content/uploads/2020/01/Classic-Periodic-Table.pdf (PDF) or the archived versions if those don't work: http://web.archive.org/web/20201212205954/https://www.callan.com/wp-content/uploads/2018/01/Callan-PeriodicTbl_KeyInd_2018.pdf (PDF) & http://web.archive.org/web/20201205183933/https://www.callan.com/wp-content/uploads/2020/01/Classic-Periodic-Table.pdf (PDF) (Archived copies from Archive.org's Wayback Machine) Do you realize that every major brokerage prediction favors ex-US over the US for the next decade or so? Ex-US outperformance predicted over the next decade or so: * https://advisors.vanguard.com/insights/article/areinternationalequitiespoisedtotakecenterstage or the archived link if that doesn't work: https://web.archive.org/web/20210104201135/https://advisors.vanguard.com/insights/article/areinternationalequitiespoisedtotakecenterstage * https://www.morningstar.com/articles/1018261/experts-forecast-stock-and-bond-returns-2021-edition (can see mention of it even before the paywall) or the 2023 version: https://www.morningstar.com/articles/1132887/experts-forecast-stock-and-bond-returns-2023-edition >I know that past performances don’t indicate future, You say that, but it doesn't seem like you actually understand it. >and 10K in VIGI Why take a dividend focus for your ex-US? >Just think the growth of VOO is better than VTIAX Was. Past tense. That's been plenty of times where it was reversed: the US would have been the one dragging you down. >Any input or advice on why it’s a behavioral mistake is appreciated. It sounded like (and you just confirmed it to be) performance chasing, which tends to be a better easy to end up behind, not ahead.
Just feel like the returns and growth of VTIAX over the past 10 years is very minimal. I know that past performances don’t indicate future, but I have about 50k in normal 401k in a 2060 retirement fund, about 50k in VTI and 10K in VIGI. Just think the growth of VOO is better than VTIAX. Any input or advice on why it’s a behavioral mistake is appreciated. Thanks
1. It's "dividends". 2. If you don't know what it is, you should probably be researching it before investing in it. 3. It's best to start with broad market index funds. A global stock fund, or US/ex-US funds would probably be excellent for someone in the U.K. Perhaps VTI/VXUS would work for you, the fees are lower than VT alone. 4. If you are fixed on dividends, SCHD / VIGI may be a solid place to start (?), functioning as a middle ground between broad market index funds and the dividend focus you seem to want (though I don't know why.) 5. Dividend stocks aren't anything special. Some people think they are less volatile than the general market, which may be slightly true. Some people think they have better returns than the general market, which is false.
My largest positions are T-bills and directly owned investment real estate. Most of the T-bills came from selling stocks about three months ago. But I'm *not* adding to either of them. Right now, I'm selling a house, and I've been liquidating T-bills. Here's where my new money has been going: (a) Investing in stock market index funds (VOO, VXUS) (b) Investing in quality / value stock funds (SCHD, VIGI) (c) Investing in a few small and mid cap stocks that I like (d) Investing in medium duration bonds (BND, BIV) (e) Investing in credit markets / hard money lending (f) Paying off high interest debt If you don't like stocks, I would suggest (d) and (e). If there is a real SHTF scenario for the economy, the Fed will likely drop rates, and your bonds should do well.
VIGI VYMI are better invesment now. May be more VIF VYM once it drop
Given that you collect SS, a pension, and a 2k a month annuity... you probably should keep most of your $500k portfolio in stocks so that you can have better long term growth (people are living longer). You are also probably losing about 1% off the top to this advisor. I'd suggest something like 50% SCHD, 20% VIGI, and 30% BIV. Simple three fund portfolio. Collect the dividends, you'll have over 3% a year (over $1250 a month) and won't lose it all to inflation like you would by putting it all in fixed income.
VIGI (Vanguard International Dividend Appreciation ETF)
I'm 40 and my wife is 37. Roth: QQQM-65% VXF-25% SCHD-10% No real need for bonds at my age, will not add bonds until I am around 50 or so, at which point, I will add between 15-20%. My 403B: 100% S&P index. All the other funds offered are garbage with high expense ratios and actively managed. As for your question, if you are with Vanguard, I would personally just go 100% VTSAX. If you are adamant in wanting a little bit of international I would opt for no more than 20% and would steer away from VXUS and look at VIGI instead. Personally, I think 100% US is feasible as I think globalization is a thing. Whatever you decide to do, just keep it simple and don't overthink it.
DGRW is consistently beating reddits favorite since inception SCHD. VIG and VIGI would be others I recommend.
An easy way to look through the holdings of [VIGI - Vanguard International Dividend Appreciation ETF](https://investor.vanguard.com/investment-products/etfs/profile/vigi#portfolio-composition). Yes, it’ll have expensive quality stocks, but it’ll also have great businesses which aren’t as well known, for example, Alimentation Couche-Tard and Dollarama. The consistent dividend growth requires for inclusion in this ETF serves as a good first quality filter.
I'm biased, since I love dividends and I really like SCHD. If I'd be able to go back in time I'd just put it all in SCHD (and maybe a bit of VIGI/SCHY) and that's it. All my other attempts of diversification and small "to the moon" bets got me nowhere.
I'm not a fan of broad, market-cap weighted international ETFs. Lots of businesses with low returns on capital. I much prefer something like Vanguard International Dividend Appreciation ETF (VIGI). This ETF requires seven years of dividend growth and filters out many of the lousy businesses.
I usually check for Franklin Templeton ETFs when looking at a specific region or country long term, since they often have significantly lower expense ratios (at the cost of lower daily volume). Unfortunately, it looks like they only offer a South Africa ETF, which is likely not what you are looking for in terms of exposure to the continent. It’s largest holding (13%) is Naspers, conglomerate that owns Africa’s largest publisher/newspaper (Media24). Although the stock seems to trade more in line with its large stake in Tencent. ER is 0.19. Naspers or SoftBank could be individual stock ideas, since both invest in African start-ups; however, I cannot personally recommend either. If you’d like to go a bit broader into frontier markets, you might consider Blackrock’s FM ETF. It has exposure to Africa (5% Egypt, 4% Nigeria, 2% Kenya) while offering diversification into countries not yet included in emerging markets indexes, including Vietnam (largest weighting) and Kazakhstan (largest single stock). ER is .79 (ouch). Finally, a diversified global etf (such as VXUS for total exposure or something like VIGI or SCHY for dividend/profitability screening), will eventually include African companies once they meet the criteria of their respective indexes. This would be my recommended route, although I know it does not really answer your question. [Franklin South Africa ETF](https://www.franklintempleton.com/investments/options/exchange-traded-funds/products/27391/SINGLCLASS/franklin-ftse-south-africa-etf/FLZA#portfolio) [iShares MSCI Frontier and Select EM ETF](https://www.ishares.com/us/products/239649/ishares-msci-frontier-100-etf)
I’m a big fan of international ETFs that have some type of direct or indirect profitability screen. Pure international index funds have a lot of junk piled in b/c most countries don’t have great capital market infrastructure like the US so companies will dump garbage equity on the market to cash out. My favorites are IQLT, IGRO, VIGI, and DFIC. All very cheap and approach international investing just a little bit “smarter.”
VOE is good, midcap outperforms largecap and is near smallcap in performance with far less volatility. Value outperforms growth historically. VWO is good, for diversity. VIGI for others. Has a bit of Emerging markets, 13.3%, so you can drop some VWO for it.
2 that come to mind are VIGI and SCHY. Both happen to be dividend focused which some people may not be looking for. I use them as an example because they both have certain minimum requirements to be included in their index. Not perfect, but its something.
SPY VEA VIGI LQDI FBND PDBC… I’m scared of losing money
VTI/VIGI/SCHD rinse repeat every month I buy 10k
VTI is great, keep on buying it, but make sure to supplement it with VXUS for global exposure. The only thing is you said your time horizon was only a few years, and stocks are not good investments if you need that money very soon. They could decline in value substantially. If you were willing to not withdraw your money for at least 5-10 years, then VTI + VXUS is perfectly fine and recommended. SCHD is a dividend based ETFs, and other examples include VIG, VYM, SCHY (the international analogue of SCHD), VIGI (international analogue of VIG). For inflation protected bonds, you can Google Vanguard's inflation protected ETFs/mutual funds. One example is VIPSX (the mutual fund version).
looks great. some overlap is expected with low-cost index funds. i would diversify some SCHD into VIGI
I dabble a little into non US Stocks with VIGI but it's not even 2% of my portfolio.
20% VOO 20% SCHD 20% VIGI 20% COWZ 10% VGT 10% GCOW Basically SP500, US and International dividend appreciation and cash cows sprinkled with a more volatile Nasdaq without all the boring stuff
SCHD etf and a bit of VIGI / SCHY and you're set
"Buying the index" in sum means buying shares in ETF funds that track various markets like VOO (S&P500 index), VIGI (dividend focused fund), ARKK, QQQ, etc.
You're welcome! I'll check back later as I've got to finish a job but one, out of many examples, of an ETF portfolio that might suit your need: * DGRO - Dividend Growth with at least 5 years of growing dividends, some exposure to small caps * VIG / VIGI - Similar to DGRO but with companies that have managed to grow dividends over the last ten years. VIGI is the international version. * VNQ / VNQI - REIT ETFs. REITs generally speaking have low correlation to the market and might be a sensible position to establish * SCHP - 8 year duration Bond TIPS ETF You might notice the emphasis on dividends and that's because companies that focus on paying and growing their dividends over a long period of time are successful companies, that also beat the market in general. As you want your money back in 8 years or so, going full "growth" (eye roll) could be a risk if the market downturns at that time. A bond ETF is better than your classic bond ladder, as it's instantly diversified and the duration is constant. You might get more return out of building your own bond ladder but that's a lot more effort, I think. Never tried...might be fun to do so one day! Certainly do your own due diligence though.
VIG VIGI PHYS for up to 10% of portfolio
In the current interest rate and inflation rate environment bonds are a bad investment. Low and rising interest rates and high and rising inflation rates are both bad for bonds. I'm older than you and I have 0% in bonds. The only Vanguard bond ETF I would consider owning is the Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares (VTIP). It's a parking place for money you don't want in stocks. It won't go up much at all but it shouldn't lose. There is nothing wrong with a healthy allocation to cash if you are nervous about growth stocks. That way you will be ready to buy back in when things settle down. I would rather be in cash than in bonds. For the money you don't want in growth stocks or in cash you could put it in the Vanguard stock ETFs rated as below average or low risk. Those would be VDC, VHT, VFMV, VIGI, VIG, and VYM. Yes they are still in stocks but less overpriced stocks than growth stocks and less likely to take "a serious nose dive".
Nice dividend payment from VIGI, buying more TGT to average down... *have conviction and patience* Everyone have a good holiday break 🙂
I feel so bad because I invest in an international ETF, VIGI, that has one of their top holdings being Nestle... I don't know what to do about this :(
>VIGI has been doing way better for me, Cool, stick with it. It's an index fund, it's going to perform in line with the broader index it follows. Personally I would avoid international but that's just me.
Sure, but VIGI has had barely better returns than VXUS even if it has overperformed. The difference of expense ratio between the two makes that overperformance negligible to me.
Folks spend too much time fretting about expense ratios. Cost is important, don't get me wrong, but I've seen many instances here on Reddit of people missing the forest for the trees. I can't speak to VIGI vs VXUS, but you have to consider more than ER when evaluating ETFs.
VXUS is more diverse . Also VIGI has only been around since 2017 so again long term who knows what will out perform over 15-20 years
Higher expense ratio (0.08 for VXUS vs 0.20 for VIGI)
Why do people always recommend VXUS, but not VIGI? VIGI has been doing way better for me, and has better returns long term, but nobody recommends it.
Why do people always recommend VXUS, but not VIGI? VIGI has been doing way better for me, and has better returns long term, but nobody recommends it.
Why do people always recommend VXUS, but not VIGI? VIGI has been doing way better for me, and has better returns long term, but nobody recommends it.
Thanks I’ll take a look at these. Any good reasons why you choose VIGI?
That basically sounds like VIG and VIGI to me.
The flaw here is that this isn't at all the same as Schwab's recommendation. The vast majority of your "Large Cap" is in tech/growth, whereas their recommendation is a blend, something more like VOO. The selection of VIGI for international is arbitrary based on recent returns, and VT isn't even an international fund. It's global, so it's like 55% US. You're looking for VXUS here. The small cap split is fine but you may as well do 20% VB (or overweight value, but that's a separate decision that isn't part of Schwab's portfolio).
Buy SCHD/SCHY for tax advantage account and VIG/VIGI for brokerage account if you want to go toward dividend route.
>I was thinking of supplementing these with something close to Vanguards $VIG ETF. Just an international version of it. Is there any ETF that meets this? Have you looked at VIGI?
I do VIGI for international exposure
Most compare to what their alternatives were. For you the alternatives would have been a dividend paying ETF. Say maybe VIGI?
They have grown them for last 7 years. They are in VIGI.