VSGX
Vanguard ESG International Stock
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I'm happy with my mix of ESGV (US total market) and VSGX (International) which are both run off the the same filters/index
> can’t see it beating a Chinese/Indian .. AI/robotics No one knows for certain though India is likely prime for “growth”. Also consider that the U.S. has 62% to 66% of global market cap despite only 4% of the global population (80% if talking about the “‘mega-caps”). Market standards and the American worker kowtowing to Milton Friedman style capitalism [perhaps not that willingly but anyways..] do matter. One idea may be a “global” portfolio or even fund/ETF. Vanguard’s all-cap VT or for just large/mid caps .. iShares ACWI for a pure market cap play. There’s also dividing up VTI (US) and VSUX(non-US) …or ITOT and IXUS for iShares. Another interesting twist would be Vanguard’s new environmental/social all-cap funds .. ESGV (US) and VSGX (non-US); “feel good” stuff especially if there’s an eco-disaster in the future, .. plus DFA research noted some sectors, like emerging small cap value, have large stocks that just sit there; a firm going after environmental certifications the company may be more proactive in all aspects imho.
Did a quick google on fund prices: If you bought $1000 of VSGX at say $65 (or ~15 shares), and sold when the price had dropped 6 months later to $55 (worth ~825) you eat à $175 loss. But if you put 825$ into VTI in 2023 when it was ~$200 a share (or ~4 share) that $825 would be worth $1200 today. While psychologically satisfying to not lose money, there's no point on hanging on to losers
Probably an esg ETF like VSGX
Ignore people hating on your question. You can make money while investing more ethically. VOTE is an option. It is similar to VOO in that it seeks to track to SP500. It doesn’t exclude any companies but seeks to transform companies practices through board-level advocacy. ESGV is a whole US market fund so similar to VTI but screening for poor ESG performers. VSGX is a similar thing for the International Markets excluding US (VXUS).
I do ETFs outside of the US, like Vanguard's VSGX (the ESG version of VXUS), which should be less affected (though still affected) by random stuff happening in the US. I never understand why people invest exclusively in the US stock market anyway. Generally better to diversify😁
Take a look at ESGV, VSGX, EAGG. Its performance is [pretty similar](https://testfol.io/?d=eJy1kEFPwzAMhf9K5XMPBQSH3JDYKm6TVlUgNFWmcbuAlww364Sq%2FndcFUThvpxsfc7zex6g5fCKvEHBQwdmgC6ixMpiJDAAKZC3i26mPTKYq0xfCmjfKucbxuiCB9Mgd5RCjd2%2B4XAGk%2F02VSP0oTrPhMKfqiaB2fm2Ojtvp9m7bEzhGCQ2gV1QOy8DeDxMu1fbPCn2QpSsT94mm58hVXG%2Bpy4%2BuN5ZNau%2FopzUgpDmQl%2FT%2Bt%2FW6Op3kll9rmf9UtmRpCYfwdyqlQUut%2FnTEl%2F%2Fxav7PF%2Fim2zcpWAFWz3ANPmdohC0bjoU8kXTlMXjpcLsxi%2B4srvV) to the traditional ETFs often used in the Bogleheads' Three Fund Portfolio. Worth pointing out that the main reason the ESG ETF portfolio has slightly outperformed is because growth stocks have had an incredible run-up recently. Historically, value stocks (often including "sin" stocks) outperform growth stocks over longer time horizons. Combine that with the fact that ESG ETFs are slightly more expensive, and you could reasonably assume that the traditional portfolio will win out in the long-term. Also, if you are not a shareholder in the company, you don't get a vote. A lot of people think it's better to just buy the broad traditional index and use their dollars to try to change the world however they see fit.
I mean... Nestlé is in the top 5 holdings of VSGX, so how much faith are we putting into ESGs?
I agree that your finances would best be served by getting a cheap diverse index fund and minimizing fees. There are ways to do that using ESG funds. They do include higher fees and less diversity but in my opinion they are pretty low and potentially worthwhile for someone who would prefer ESG screening. **VTI** holds 3,757 stocks at an expense ratio of .03% and has a Compound Annual Growth Rate of 15.06% over the past 5 years. **ESGV** holds 1,465 stocks at an expense ratio of .09% and has a CAGR of 16.01% over the past 5 years. They have 82% overlap by weight. **VXUS** holds 8,474 stocks at an expense ratio of .07% and has a 5 year CAGR of 7.39% **VSGX** holds 5,966 stocks at an expense ratio of .12% and has a 5 year CAGR of 6.94% They have a 70% overlap by weight. Sure there are differences in expense ratios and diversification between these funds but they are TINY in comparison to the difference between OP's current holdings and any of these. Here's a paper that Vanguard researchers published a couple of years ago looking at whether or not there is a performance price for ESG funds. [https://eprints.pm-research.com/17511/25030/index.html](https://eprints.pm-research.com/17511/25030/index.html) Key takeaway #1: The majority of environmental, social, and governance equity funds in any of the tested categories do not provide statistically significant positive or negative gross alpha.
lol this sub is probably not the best place to get thoughtful esg feedback but I think you’d be best off trying to find a fund or investing philosophy that you like and then looking into ESG versions of those funds. For example, r/bogleheads loves cheap (low expense ratio) broad index funds or etfs in roughly a market cap ratio. They’re partial to Vanguard for many reasons including the fact that it was founded by their patron saint John Bogle. If you did 60% ESGV and 40% VSGX you would essentially have a “VT and chill” style portfolio without having to worry about receiving dividends from tobacco companies or gun companies that market assault rifles to insecure young men who use them to kill their classmates. There have been studies that show there isn’t much of a performance difference between a broadly diversified esg portfolio and a broad portfolio in general. The real trouble you run into is when you over-invest in certain sectors that may underperform. That’s likely what’s happened with the two funds you currently own. Energy companies have had a strong run the past couple of years because the Russia/Ukraine thing has disrupted a chunk of supply and caused prices to spike. On the other hand, clean energy companies have really struggled as higher interest rates have made it difficult to get financing for capital intensive projects. That’s shown up a bit in esg funds as they tend to screen out fossil fuels. Just buy and hold though, these things tend to be cyclical. Good luck!
>What about the Vanguard ESG Global All Cap? There are 3 ETFs that related to Vanguard ESG **1. Vanguard ESG International Stock ETF** ETF Ticker : VSGX **2. Vanguard Total World Stock ETF** ETF Ticker : VT **3. iShares MSCI USA ESG Select ETF** ETF Ticker : SUSA To compare those ETFs, there are several factors to consider. VSGX, issued by Vanguard, tracks the FTSE Global All Cap ex USA Choice Index and has net assets of $3.13 billion. VT, also issued by Vanguard, tracks the FTSE Global All Cap Index and has net assets of $36.79 billion. SUSA, issued by BlackRock Financial Management, tracks the MSCI USA Extended ESG Select Index and has net assets of $4.45 billion. All three ETFs have low expense ratios, with VSGX at 0.12%, VT at 0.10%, and SUSA at 0.25%. VSGX focuses on international stocks with broad regional exposure, while VT offers global exposure, including the U.S., and SUSA focuses on U.S. stocks. Key holdings in VSGX are not specified, but VT holds Apple Inc. and Microsoft Corporation, and SUSA holds Microsoft Corporation, Apple Inc., and NVIDIA Corporation. In terms of returns, VSGX has a return of 2.86%, VT has a return of 2.19%, and SUSA has a return of 1.53%. Year-to-date daily total returns are 9.26% for VSGX, 15.43% for VT, and 16.22% for SUSA. VSGX has a net asset value (NAV) of 52.74, a P/E ratio of 12.95, and a beta of 1.00. VT has a NAV of 98.04, a P/E ratio of 16.46, and a beta of 1.02. SUSA has a NAV of 94.66, a P/E ratio of 24.34, and a beta of 1.05. Taking all these factors into account, I would recommend the Vanguard Total World Stock ETF (VT) as the most suitable ETF. The rationale behind this recommendation is its broader global exposure, larger net assets, and lower expense ratio. It offers a balanced and diversified portfolio with a competitive return and year-to-date daily total return, making it an attractive option for investors seeking a well-rounded investment.
Hello! It's great to see your enthusiasm for starting your investment journey, especially with a focus on ETFs and diversification across sectors. Vanguard ETFs are indeed a popular choice for many investors, particularly for their low fees and diverse offerings. Here are some suggestions and tips to help you get started: **Vanguard ETF Options** **1. Technology Sector**: Consider ETFs like Vanguard Information Technology ETF (VGT), which provides exposure to stocks in the technology sector. It's a way to invest in a broad range of tech companies. **2. Healthcare Sector**: Vanguard Health Care ETF (VHT) could be a good fit. This ETF offers exposure to companies in the healthcare sector, including pharmaceuticals, medical devices, and biotechnology. **3. Renewable Energy Sector**: While Vanguard doesn't have a specific renewable energy ETF, you can look into broad ESG (Environmental, Social, and Governance) funds like Vanguard ESG U.S. Stock ETF (ESGV) or Vanguard ESG International Stock ETF (VSGX), which may include companies focused on sustainability and renewable energy. **4. Global Diversification:** To diversify globally, consider Vanguard Total World Stock ETF (VT), which offers exposure to a wide range of international stocks. **Tips for Beginners** **- Start with Research**: Educate yourself on basic investment principles, understand the ETFs’ objectives, holdings, and the sectors they cover. **- Risk Assessment:** Assess your risk tolerance. ETFs can range from conservative (like bond ETFs) to aggressive (like sector-specific ETFs). **- Long-term Perspective:** As a young investor, you have the advantage of time, which is beneficial for long-term growth strategies. **- Regular Investments:** Consider a strategy like dollar-cost averaging, where you invest a fixed amount regularly, regardless of market conditions. This can be effective in building your portfolio over time. **- Diversification:** While you have interests in specific sectors, ensure your portfolio is diversified to mitigate risks. This means spreading your investments across various sectors and asset classes. **- Stay Informed:** Keep up with financial news and market trends, but avoid making impulsive decisions based on short-term market fluctuations. **- Resources for Learning**: Websites like Investopedia, Morningstar, and the Vanguard Blog offer valuable insights. Books such as "The Intelligent Investor" by Benjamin Graham and "A Random Walk Down Wall Street" by Burton Malkiel can also be great resources. **Remember** \- Investing involves risks, including the potential loss of principal. \- It's wise to consult with a financial advisor to get personalized advice that aligns with your financial goals and risk tolerance. \- Since you're specifically interested in sectors like technology, healthcare, and renewable energy, you might want to allocate portions of your investment to ETFs specializing in these areas, while maintaining a core holding in a broad-market ETF for stability and diversification. Happy investing!
In general.. but I think VSGX is over 5% for me so far... actually beating all my US indexes at the moment. They're over +7.5% year to date and only -4% on the one year. And "Historically, the France Stock Market Index (FR40) reached an all time high of **7535.80 in April of 2023**. France Stock Market Index (FR40) - data, forecasts, historical chart - was last updated on April of 2023."
[VSGX Int'l ESG's top holdings](https://imgur.com/a/vSfLN4T)
[VSGX Int'l ESG's top holdings](https://imgur.com/a/vSfLN4T)
Well, the highest percentage of VSGX is Nestlé, so what does that tell you about ESGs?
VSGX--Vanguard's international ESG--has Nestlé as #2 on its portfolio composition list.
Hello all, I have a limited set of 401k options and I was wondering if it makes sense to switch to a self-managed fund with Ameritrade that the company also offers. Doing so would require a 75 dollar per year upcharge and restrict my contributions to 25 percent company 401k and 75 percent self-managed. So, I would still have to put 25 percent into the funds I am less familiar with. My goal in doing this would be to have access to VTI + VSGX, but realistically I'm probably just overthinking it and the other funds are pretty comparable. What do you think about this distribution with the company 401k, versus a similar distribution with VTI, VSGX, and a few small-mid cap ones? 60% State Street Equity 500 Class K 15% iShares MSCI EAFE International Fund Class K 10% T. Rowe Price Dividend Growth Fund Class I 10% Vanguard Mid Cap Index Fund Admiral Class 5% Vanguard Small Cap Index Fund Admiral Class Any help is really appreciated.
Hello all, I have a limited set of 401k options and I was wondering if it makes sense to switch to a self-managed fund with Ameritrade. Doing so would require a 75 dollar per year upcharge and restrict my contributions to 25 percent company 401k and 75 percent self-managed. So, I would still have to put 25 percent into the funds I am less familiar with. My goal in doing this would be to have access to VTI + VSGX, but realistically I'm probably just overthinking it and the other funds are pretty comparable. What do you think about this distribution with the company 401k, versus a similar distribution with VTI, VSGX, and a few small-mid cap ones? 65% State Street Equity 500 Class K 10% iShares MSCI EAFE International Fund Class K 10% T. Rowe Price Dividend Growth Fund Class I 10% Vanguard Mid Cap Index Fund Admiral Class 5% Vanguard Small Cap Index Fund Admiral Class Any help is really appreciated.
Has anyone linked the Ben Felix video on thematic ETFs yet? If not: https://youtu.be/dwPh-PAg9A8 You're absolutely right that there's so much out there. I really, really like Ben Felix's channel. He's a no-nonsense kind of guy. And everything is paired with data and sources. His videos are great, but his podcast really digs into the weeds. I digress...generally speaking, there are only two types of investment philosophies—passive (tracking and index) and active (portfolio managers making their own decisions). There are passive mutual funds and active ETFs. Whether something is an ETF or MF doesn't tell you anything. Thematic ETFs land on the active side if we're looking at it in black and white. The ETF will target a trend or a sub-industry, e.g., 3-D printing or tech IPOs. But at the end of the day, dollars you invest in a thematic ETF are really banking on the portfolio manager and not the "theme" itself. And portfolio managers tend to underperform the market. And the sample size is so small in their tenure, that we can't say that even the best portfolio managers are better than the market with statistical significance. For all we know, they're just incredibly lucky. When looking at passive funds, they're all going to track and index. However, you may see market cap segmented index funds. VB is all the US small cap stocks. There are also constrained index funds, VSGX is the international index screened for ESG criteria. You might see sector funds like XLE which is energy stocks in the US. Point is, index funds either track a specific index, or track that index with a filter. And most people, myself included, better off throwing their money in a globally diversified basket of index funds. For kicks, Dimensional Fund Advisors makes the argument that the passive/active dichotomy applies to tracking AND application. Their ETFs approximate various indices, but they overweight value, small, and highly profitable companies. Their argument is that this is a higher risk, higher return approach. And I tend to agree with them. If you wanna open a can of worms, go read up on the Fama French 5 factor model. Good luck out there.
I think you are too diversified. If I was you id just go all-in on VOO and keep adding to it. It is by definition already diversified. also, I don't think you would beat it with that portfolio. Maybe you can have VSGX as well but I don't see that beating VOO over the long term. Just my opinion
But it isn't a magic bullet - it isn't necessarily the best because it works. Other things work, too. I'd be more sympathetic to the obsession with VTI if it at least was one of the top 10 best performers of the past decade - but it isn't. The allocations in VTI aren't necessarily ideal - the fact is, VTI is easy. So yes, for a new investor it might be the best choice. Because it is easy, you don't need to do much research, you don't need to worry about how much allocated to countries in each level of development. But, if you're interested in finely tuning a portfolio, it can make sense as a core holding but it isn't necessarily your best choice. VTI works, so does VTV and VUG and ESGV and VSGX and VWO. I personally don't like the weighting in VTI for Emerging Markets which generally outperform developed ones (though not so far in the time of covid). So, yes, VTI is a great etf. But it isn't the only answer, it isn't inherently the best choice. It shouldn't be puritanical, it should be pragmatic.
There are probably better options for international exposure. VSGX's 2nd biggest holding is Nestle which is pretty controversial for a fund trying to be ESG. Not really liking some of their other holdings like Toyota either. I bet some better fund can be found to replace XT as well, maybe something like BLOK. XT seems too diversified, any stock popping off is going to be diluted by the other holdings.
Not terrible. Not a fan of XT or VSGX though. DIVB should probably be SCHD. RYLD is probably not worth it, BMEZ and BST look interesting but are costly.
$CATH is an ETF for companies which align with catholic values $ICLN is an ETF for green energy companies $SUSA is an ETF for companies with high ESG (environmental, social, governance factors) $VICE is an ETF specifically for vices, like gambling, alcohol, tobacco, etc. $VSGX is an ETF which avoids vices, like gambling, alcohol, tobacco, etc.
When picking individual stocks I’ll seek out companies that have a positive impact on the world. I don’t lose sleep if my positions in VTI or VXUS hold x% of something unethical, it’s not worth risking my financial future. I am thinking of making all future allocations to indexes that are ESG: specially ESGV and VSGX.
Check out ESG ETFs if it’s important to you. Vanguard even has Some decent ones: ESGV VSGX
60% ESGV (ESG version of VTI) 10% VSGX (ESG international) 8% VGT 4% Semi stocks 5% Renewable energy 5% PDBC 8% Something to do with a chain of blocks that shall remain nameless on this sub Not investment advice
I think Betterment is really neat. I tried it just to give it a spin. For many people, especially for taxable accounts, it's probably a great way to go with only .25% management fees. However, I did just pull all of my money out. I just moved everything to Fidelity. At Fidelity, the accounts costs $25/year no matter how much I have in there (plus fund fees of course, but that's the same as Betterment). Asset allocation for taxable 3-5+ year usage range.... VTIP 40% VTI (or ESVG) 50% VSGX (VXUS) 10% For retirement funds that have a 20-40+ withdrawal range (which, pretty cool, it almost matches Betterment's bond/stock ratio they gave me, but with less overall number of investment products)... VTI (or ESGV) 70% VXUS (or VSGX) 15% VTIP 15% Now, I save a few hundred per year by not paying Betterment's management free. I can spend that money on a financial advisor that charges hourly. That makes me feel a lot better than Betterment, where I would be paying .25% and their financial advisors still charge per hour. This isn't to rip Betterment. For many of my friends, I would say it's a great option. For me, Fidelity + a financial advisor fits me.
Downvotes but this shit is taking over. They are calling for a new fed chairman that wants the focus to be on climate change and crap like this. The companies that dance like a monkey for this will do well. I’m in into ESG companies that are playing the game, check out the holdings of VSGX and ESGV, not as crazy as you think
Yes, though most of them have already been mentioned here (arms, tobacco, big oil). I'll add, I try to avoid the broad blanket indexes for the same reason (VOO, VTI, VT, SPY, etc.) All those industries I mentioned greatly benefit from everybody "buying the haystack". People argue it's such a small percentage of the index. But multiplied by tens of millions of retirement accounts, there's an enormous amount of money going to these guys (the executives and large shareholders). For this reason, I am a big fan of ESG indexes. ESGV and VSGX to be specific. ESGV has actually outperformed VOO and VTI over time. ESG risk is something all investors should consider.
This, but ESGV and VSGX (instead of VTI and VXUS) for an ESG investing approach
Are ESG funds actually good investments or are they just lessoning my potential return by trying to make me feel a little better. Currently have funds in VCEB and VSGX as part of my portfolio.
It’s been awhile since I considered it but my recollection is that it did not get as high a rating with MSCI ESG as others and it still holds some fossil fuel companies. It’s fees are lower but I do not remember the returns being much better, if any. I do like VSGX, though, for an international good ESG fund. It does well across the screenings. For me, I like the PRBLX for broad index and VSGX for international.
I'm going to give you the index fund answer: Generally the safest way to invest long-term is to use index funds. Normally I'd suggest a 3 fund portfolio consisting of VTI (US stocks), VXUS (International Stocks), and BND (US Bonds). But since these ETF's hold pretty much every company in the US and Internationally, you do find that they contain companies that one might not want to invest in. With this in mind, Vanguard (who provides the above funds) and others have produced "ESG" (Environmental, Social, Governance) equivalents of these funds. Here's vanguards page: [https://investor.vanguard.com/investing/esg/](https://investor.vanguard.com/investing/esg/) The ESG equivalents of the three funds I mentioned above are ESGV, VSGX, and VCEB. These funds exclude several categories of companies such as those who are poor stewards of the environment, or who have proven to be unethical companies, or who sell products that are controversial from an ethics viewpoint.
So I'm new to investing, I'm 32, have no debt, and trying to decide on ETFs/mutual funds for long term growth (20-30yrs). I'm thinking it might be good to have an ESG/healthcare/technology focus, just because it seems like we'll continue to make a lot of progress in those areas. What are your thoughts on something like this: QQQJ: 32% ESGV: 25% VSGX: 15% VHT: 10% XJR: 10% VGHCX: 5% ICLN: 3% Is this very risky, or does it seem reasonable? I'm trying to find a balance between indexing and a more aggressive approach. Thanks in advance.