VNQI
Vanguard Global ex-U.S. Real Estate Index Fund ETF Shares
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Do people ever short stocks for cash to invest in other stocks?
Is it stupid to invest in these stocks as a non-US resident ?
Thoughts on potential recovery and rejection of SPY
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Thanks for the input I don’t have VTSAX, I got VXUS and VNQI. The partial shares sucks because most all what investors have partial shares
lol my buy and hold portfolio is down across the board: || || |FBTC| |VNQ| |VNQI| |VTI| |VXUS|
I never invested in single country EM REITs but I wonder if the change also affects MSCI World allocation represented by ETFs like VNQI/HAUZ? According to VNQIs prospectus India is already 3.5% of its holdings. I assume, the previous restrictions did not affect these institutional holders?
If you don’t want to sell, do like so many others, diversify. VEU is holding up nicely and VNQI is breaking out from a solid base. It’s a big world.
You can buy real estate through REIT ETFs like VNQ or VNQI.
I've been trimming real estate as I think economic pressure will outweigh rate cuts at the moment. (down to 3% of all holdings.) I've got some VNQI. Shifting into AGRO (vs. LAND)
The main issue I have with VNQI is that it pays dividends annually. I've been spoiled by O's monthly dividends.
VNQI looks like good value. My main concern is rates. With treasury yields heading higher there’s bound to be some contagion in places like the UK and Canada. That won’t be good for RE in those countries.
VNQI 5% yield. Low expense. There’s others. Idk if it’s “good”. I see it as a non us, non dollar position
Thoughts on VNQ and VNQI for next year?
VTI VXUS VUG SCHA VNQI I like VTSAX and VTIAX or just VT Keep in mind everyone has different goals, age till retirement or withdrawal for FIRE movement etc, paid off house vs renting or mortgage, debt free, job security, Dual income. In retirement vs just starting out. Ultimately you should have a nice emergency fund in an online savings account and then invest in roth then 401k up to match then pay off items over 5% interest rate. Then invest in brokerage, kids 529 plan, hsa too
100% in stock ETF like VT.... or VTI if you think USA will do better. you can mix. Maybe some RE ETF too like VNQ VNQI if you want RE exposure. on long term 15Y it should be OK. if you want to feel safer you can drip a fix amount monthly until you run out of money (but it s not optimal....it just help people that are worried of crash)
Well a security, foreign or otherwise, has no way of knowing what kind of account it is being held in. So when a foreign dividend has foreign tax withheld, that withholding will occur in every account type, taxable and retirement accounts alike. At year-end brokers do tell us about foreign tax that was withheld in our taxable account (because a foreign tax credit is available, but for taxable accounts only.) But they often don't report the foreign tax withheld from retirement accounts. So it might appear that no foreign tax was withheld. But that's probably not the case. eg. I held Vanguard's VNQI once in a retirement account, not realizing until a year later that 40% of my dividends were being taken away as foreign tax withholding. And I didn't learn that from my year-end broker statement either, because, again, brokers don't bother reporting taxes withheld from retirement accounts. I had to instead get the info from Vanguard's own site when their year-end info was published.
VTI/VXUS/BND would be a good start VTI gets you basically same performance of VOO but with more mid and small cap. VXUS gives your foreign securities. BND gives you bonds. You could go all asset classes. You could do BNDX for foreign bonds, VNQ VNQI for domestic and international REITs. Find an active traded commodity fund you like. Not necessary tho. The % are up to you. We would probably break shit up into securities(domestic and foreign stocks) and real assets (bonds and REITs and commodities) The problem with most retail is they don’t hold. If you buy broad indexes hold for 3 years minimum. Goodluck brave soldier
>real estate >or REIT VT does hold REITs: around 80% of the buildings of both VNQ and VNQI are in VT.
VNQ and VNQI are already part of VT.
Unless your intent is to overweight realty, the best use of if REIT funds is to compensate for exclusions in other funds. Vanguard has several ETFs for instance that specifically exclude REITs. It should be noted though that VNQ and VNQI are not REIT funds, … several years ago they were reformulated to be real estate sector funds. So they now cover non-REIT real estate stocks. This limits their usefulness as REIT exclusion patches, but does make them useful for overweighting realty. Check your ETF lineup … it may be that real estate is already represented at market weight, as a previously reply correctly pointed out. VNQ and VNQI would be ideal for going overweight the sector. But if you need to patch up REIT exclusions, iShares’ REET is a better pick.
If you own VTI + VXUS or just VT, you already hold at least 80% of VNQ + VNQI already, at market cap weight. Adding VNQ + VNQI would be going overweight compared to (free float) market cap weight on REITs.
VNQ, VNQI are good REIT ETF options
Your proposed asset allocation is a good starting point, and it's well-diversified across different asset classes. Here are some specific thoughts on your allocation: ​ **VOO (55%):** S&P 500 index fund is a good choice for a core equity holding. It provides broad exposure to the US stock market, with a track record of long-term growth. ​ **VXUS (15%):** Total world stock market ex-US index fund is a good way to add diversification to your equity holdings. It provides exposure to developed and emerging markets outside of the US. ​ **Small-cap ETF (5%):** Small-cap stocks have historically outperformed large-cap stocks, but they also come with more risk. A small allocation to small-cap stocks can help to boost your potential returns, but it's important to be comfortable with the additional risk. ​ **Mid-cap ETF (5%):** Mid-cap stocks offer a balance between risk and return, and they can be a good way to diversify your equity holdings. ​ **VNQ (4%):** Vanguard REIT ETF is a good way to add exposure to real estate to your portfolio. REITs can provide income and diversification, but they are also sensitive to interest rates and economic conditions. ​ **VNQI (2%)**: Vanguard Infrastructure ETF is a good way to add exposure to infrastructure to your portfolio. Infrastructure can provide income and diversification, but it is also sensitive to economic conditions. ​ **Treasury/Muni Bond ETF (5%):** Treasury and municipal bonds can provide income and diversification to your portfolio. Treasury bonds are backed by the full faith and credit of the US government, while municipal bonds are backed by the taxing authority of state and local governments. ​ **Corporate Bond ETF (5%):** Corporate bonds can provide higher yields than Treasury or municipal bonds, but they also come with more credit risk. ​ **Gold (2%):** Gold is a traditional hedge against inflation and can provide diversification to your portfolio. ​ **Individual stocks (1%):** Investing in individual stocks can be a great way to boost your returns, but it's important to do your research and understand the risks involved. ​ **Bitcoin (1%)**: Bitcoin is a highly speculative asset, and it's important to only invest money that you can afford to lose. ​ Overall, your proposed asset allocation is well-diversified and reflects your risk tolerance. I would encourage you to review your allocation regularly and make adjustments as your circumstances change. ​ Here are some additional tips for investing: ​ **Make sure you have an emergency fund of 3-6 months of living expenses.** This will help you to avoid selling investments when the market is down. ​ **Invest for the long term.** Don't try to time the market. Instead, focus on investing consistently and taking advantage of dollar-cost averaging. ​ **Don't over-diversify.** Diversification is important, but too much diversification can lead to lower returns. ​ **Rebalance your portfolio regularly.** This will help to ensure that your asset allocation remains aligned with your risk tolerance
So I should sell VNQ and VNQI? Or double down?
What concerns me not just at a personal investor level but at a macro one is [median US home prices in 2022 were 6.1x median household income](https://fred.stlouisfed.org/graph/?g=19UYK). Making the moderate assumption that people are putting 20% down on these homes—some are surely transferring equity from their previous home into these purchases while others that I’m more concerned about are transferring less—this yields a loan-to-income ratio of 4.9x. At a borrowing rate of 7.49%, back of the envelope math, this means 36.75% of household income will be going just to pay the interest on these mortgages. In 2005 and 2006, housing was ~5x income and rates were 6%, so people were only paying around 24% of their income for mortgage interest. Does this mean that we’re due to have 1.5x 2008? Probably not, and I certainly couldn’t tell you when. Personal incomes could continue to rise even if housing prices stabilize, housing prices could still go up further, soft landing, etc. But I’m reluctant to add to my VNQ position (5% of portfolio). Not selling it either but am diversifying it with VNQI (both are entirely in an IRA and/or HSA).
There's a pretty big risk with shorting. If you short VNQI and it spikes, your broker might make you deposit more cash to cover if your short position was large. If other stocks in your portfolio start to tank, your broker can start selling them arbitrarily and force you to close. Your entire portfolio could be wiped out in this way. If you're going to short anything, do it as a hedge. Use it as insurance, similar to using options. There's no free lunch in the stock market. You can make a risky bet and do really well, but if it does poorly you don't want it to wipe out your account. The fact that you're even asking this is a good sign that you just don't understand the risk of shorting and probably shouldn't do it.
Hey Everyone, I was looking at VNQI on finviz and to me the stock looks like it’s in a big zone. I’m a little bit hesitant due to the higher interest rates. What do you all think?
No issue splitting between VTI and ITOT as far as overlap. One thing to think about is that while both are total market funds, the market is heavily weighted for large-cap stocks and for example the median market cap for VTI is $125 Billion. You may wish to consider mixing in ETFS like Vanguard Midcap (VO) and Vanguard Small cap (VB). Additionally you mention International and gold - but the traditional 3 ETF Portfolio would also consider a bond ETF like BND and BNDX. With respect to alternatives like gold you might also consider other alternatives such as real-estate ETFs - VNQ and VNQI.
I meant to get puts on real estate funds VNQ or VNQI or call on SRS so i shorted the S&p500 which makes no sense
Is it stupid to invest in these stocks as a non-US resident ? VOO/SCHD/VT/VNQ/VNQI I want to invest for the long term. I was planning on putting around 75% on VOO and diversify the rest among the other stocks. However, after realizing that I’m subject to 30% dividend tax (country has no treaty with the US) I’m not sure it’s worth it to spend a dime on high dividend stocks anymore even just for diversification. Im a complete beginner to this obviously. Any advice ?
For sure. My real-estate is just starting. but I'm planning to go 17.5% into VNQ 17.5% into VNQI and then 65% into realt properties. when it comes to my realestate part. realt dosent use leverage or loans so no risks of a a forclusure, also i like the way they pick homes and their plan so far and its all managed for you with yearly rents around 9%. You can leverage quite a bit tho with additional defi things since its all on chain if you want to
What are some of the more popular/mainstream and diverse REITs you’re considering? I just checked VNQ and VNQI and they are down 23% and 26% respectively….time to buy the dip or is RE in for even more pain in 2023?
If you don't know, your core should be around large index funds. A mixture of QQQM and IVV should be good for most. Personally, I have holdings in C, ALLY, PARA, HPQ, BRK.B, META, and CRL. I hold ETFs in VNQ, VNQI, ONEQ (Nasdaq Composite rather than Nasdaq 100).
Yep, Vanguard has two good ones, VNQ and VNQI (Global Ex U.S.)
Going to actually try to be helpful here...sorry, this strategy won't turn your $65k into a half million quickly. But it won't turn it into zero, either. What's your time frame? Do you need a house? If so, buy the house. Boring long-termy stuff: Treasury I-Bond to put $10k into. The safest of vehicles, but it stays for 5 years, unless you're willing to take a penalty. Return is based on inflation and it rerates every 6 months. Max out a Roth IRA, and apportion it 50/50 stock/bonds with low-cost ETFs (VTI, VTV, VXUS, BND, BNDX), +/- 25% wiggle room on either asset class to suit your risk appetite. Put the rest in a taxable brokerage following the same pattern as your Roth. Save enough liquidity to survive on for a few months in case your income stream disappears. If you want real estate exposure, VNQ and VNQI are options, but if you want something a little different, Fundrise, RealtyMogul, and other crowdfunding operators are out there that claim to get you a little closer to actually owning real estate without share prices being tied closely to the whims of the stock market (since they're not publicly traded). Otherwise, do a ton of DD on dark horse companies, find one that's seriously undervalued or irrationally beaten down, and buy a ton of cheap calls. That's what Charlie Ledley and Jaime Mai did. Or somehow orchestrate a short squeeze. It should be apparent at this point I have no idea how to win big in the stock market and I lost a ton of savings last year when I abandoned my boring get-rich-slowly strategy to chase shiny objects...obtions...options.
VNQI is Vanguard’s non-US REIT ETF. The multiples are almost twice as good as VNQ right now, so I have been adding to my position on it.
Interesting how different $VNQ and $VNQI have reacted to the volatility the last month vs that fund. Kins of insane how little volatility that fund has for the growth, how is that possible?
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.
Op says he lost all of his stocks? I feel bad for OP but im 90% stock and 10% alts (VNQ/VNQI, IAU, PDBC). Im down like 14-15%. I have a closed actively managed vanguard fund thats all growth stocks so feeling it there but what else would you expect? Frankly i was expecting it to shit harder. No such thing as a free lunch and reddit traders are learning that now.
Invest it over the next year by moving in $10,000 a month: $2000 - VOO - SP500 $1000 - VB - Small Cap $1000 - VXUS - World $1000 - SCHED - Dividend $500 - VNQ - US REIT $500 - VNQI - World REIT $500 - QQQ - Tech $500 - BOTZ - Robotix and AI $500 - VPU - Utilities $500 - VDE - Energy $2000 - Whatever stocks you feel like investing in, this will take care of your gambling hitch and keep you engaged in investing.
Thanks! Down about 100k YTD., which feels a little extreme for an allegedly moderate-conservative allocation with valuation hovering around 2.32M at this point, with about 35k in cash. Presumably those in 60/40 or higher equity PF's have taken a worse hit. Good perspectives to help me frame some questions for the advisor. I too question so much in SCHO. IT's safe but a pretty large allocation, and to me might as well be in MINT ultra-ST bond or money mkt. I don't have immediate significant withdrawal plans...just scaling back on work in the next 2 years and figuring on needing 40k a year from the PF once I "fully" retire which perhaps would be in 2-3 years officially. That 10% of the PF I left out is scattered across a lot of smaller positions...in equity, PFFD (Preferred) at about 2.7%, CCD and VCSH another 1%, VNQI/VNQ (Real Estate) about 2.7%, and the rest each fractions of a percent...comprising a diversified mix; Small/Mid-Cap, Healthcare fund GRX...a few individual stock positions. I just left them out for the sake of simplicity. Arguably having so many funds isn't productive for the greater good of the PF but my advisor feels it doesn't hurt so long as the sum total is reasonably diversified overall. I think he'd also be of the opinion that yields may not go much higher which is possible as you point out.
You're welcome! If you want to reduce (not eliminate) your risk from growth stocks consider adding VNQ (real estate) and VTV (value). You could also add a dividend focused fund like SCHD or VNQI.
I have about 5% in VNQ, VNQI, and REZ. I'm thinking of scaling back and replacing some of that with a combo of small value & junk bonds.
VNQ, VNQI, VSS Don't have relatively cheap index fund equivalents.
Explanation of a REIT can be found here - [https://www.investor.gov/introduction-investing/investing-basics/investment-products/real-estate-investment-trusts-reits](https://www.investor.gov/introduction-investing/investing-basics/investment-products/real-estate-investment-trusts-reits) I don't provide recommendations since everyone's personal situation is different. But if you like Vanguard products - they do have a REIT ETF product such as $VNQ and $VNQI. A popular REIT is $O which is an S&P component iirc. As for specific REITs - there are so many types of real estate so there are many REIT categories to chose from such as apartments, commercial real estate, government buildings owned by private sectors, medical, warehouses, etc. There are also mortgage REITs too.
I invest a 1/14 of my retirement portfolio into VNQ and another 1/14 into VNQI. VNQ is one of my top performing ETFs this year at just over 19%.
Hi, I'm looking for/considering two REIT ETFs or stocks for a traditional IRA. Thinking something US-focused and something international-focused (similar split to investing US vs international). Main goal here is traditional is tax efficient for these investments. I'd love a couple of suggestions. Eyeing O and VNQ and VNQI right now
Looks pretty solid but I'm a sucker for VXUS (and maybe VNQI).
I want to build a long term nest egg was thinking VNQI as well and maybe the international non-chines stocks
With REIT's you get exposure to equities, bonds (through underlying company leverage) and real estate markets. If any of those go up or down the REIT's will participate. You can protect yourself by buying REIT ETF like VNQ and VNQI so you spread your risk across many REIT companies but its best to have a long term view on investing. Who cares whether Margan Stanley is right or what your already bought investment is worth it will likely go up and down a ton in your life, the same as the value of any real property does.
VNQ for US real estate and VNQI for international
Marvell technology Tough built Jd.com Orbital energy VNQI
I like VNQ because real estate is always good to invest in, as a hedge against the market. I have VTI and VXUS against each other, I have BND and BNDX against each other. Now I can have VNQ and VNQI against each other. I have about 40/40/20% in stonks, real estate, bonds. So I think next month I'll just buy up VNQI to match VNQ cost-wise while maintaining my percentages. THE BUDGET!
VNQ is probably my favorite etf, particularly for the yield/steady growth so I’m definitely going to check out VNQI
YEAH! I legit just found out about it today after tossing my money into the market. My mom was asking about my investments, she's 58 and never touched the market, so I told her my ETFs and whatnot - then when searching online I found out there's a Vanguard international real estate fund. I usually wait til the 1st, then throw the extra cash I had from last month into stonks. Now I have to wait til the 31st for VNQI lol
Next month I'm considering getting into VNQI as well, so I'll be invested in everything, everywhere, all the time.
I use 7 etfs that I think makes a pretty diversified portfolio. VTI, VXUS, VB, VWO, VNQ, VNQI, BND. I allocate a certain percentage to each and hold some cash to buy the dips.
I think Asia is the growing world economic power for the next many years. I own shares in CAF and EWT. VWO is a good one for emerging markets. VSS for world ex-us small caps, and VNQI for world ex-us real estate.