Vanguard Total World Stock Index Fund ETF Shares
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there are millions of people as we speak, dreaming up new ways to fight the fed. it was a bad idea before, and it still is. what's the answer? be a long term investor. I put 10k into VT today, logged out of my brokerage account, and probably won't do much but casually look at market news a few times a week if that for the next few months. if its down 10%, i won't care, because you know we'll be hitting all time highs within 1-2 years.
These funds would say they either reduced volatility or tailored it to your situation (which can be done thru etfs also). Also $VT outperforms $VTI after adjusted for volatility. Theoretically most outperformance comes from taking on volatility. We like to act like we’re all Vulcans just trying to end up with the highest score, but in reality we’re humans. That’s why the goal is to maximize our wellbeing which will mean gambling for some, and reducing volatility for most
this is a good example how also an ETF-only portfolio can be quite speculative and risky. i would replace VOO+VXUS with VT and have it much more than 40% of everything. small caps/energy/carbon something like 5% max. financial and semis 10% max.
you can't just cherry pick companies and time frames, because i can easily find a long time frame and compare 2 companies and you'll find that growth comes out ahead by a huge margin. that's why a market portfolio is king. in a discussion of dividend vs growth, the true winner is a market portfolio (ie: xeqt for Canadians or VT for americans). those will consistently outperform what you would have had if you committed to just growth or just value/dividend. not to mention the diversification (i hold 9000 companies under xeqt) while joe is holding 5 companies, exposing him to a lot more risk for the same reward!
In addition to the duplication of VTI/VT, both are going to have significant holdings of the largest cap stocks in the indexes, which includes AMZN, AAPL, and TSLA. There's no reason to double down on those unless you specifically think the already top-heavy market is going to get even more top-heavy. The rest honestly reads a little meme-y; these are all hot stocks that various people have bet are undervalued. Where did you get these picks from? Unless you're going for dividends specifically for some reason, O & KO are unnecessary. Honestly I think you could go 100% VT and call it a day.
It's fine. $VT (Vanguard's Total World Stock ETF) has almost that exact ratio (60% US total market, 40% ex-US world total market). The larger point is that your time frame needs to be longer (or else equity investment in general may not be the place for you). My 401k holdings are similarly down like 7.5%. Oh well. I don't plan to retire for another 30 years, so it's of no great substance to me. Over the long haul, I expect returns and, over the short term, downward shifts are mostly immaterial (if anything, it means stuff is on sale for my next contribution!). If you're new, it's totally understandable to be nervous about the choices you've made, but you'll find things easier if you gain confidence in the basic positions you've taken and then take the long-view.
Yup. I began to switch months ago to a more conservative portfolio. Now, most of my money is in VT and a portion in XLP. I have much more rigorous DD standards for myself and have eliminated any stock I bought thoughtlessly from Reddit posts. My portfolio continues to climb and I haven’t even been hit too badly the past week.
1 You may be looking at a more limited global index fund like SWDA which tracks MSCI World Index, an index of large and mid cap representation across 23 Developed Markets (DM) countries, which isn't really global. I was thinking more of VT which tracks the FTSE Global All Cap Index and has fifteen hundred stocks, which covers both well-established and still-developing markets and has nine thousand stocks. As for why so-called-world UCITS funds often don't include EM stocks, I don't really know. 2 China does not allow some of their stocks to be traded by foreigners, so its representation in VT at 3.4% somewhat undercounts its market cap available to domestic Chinese investors. I don't remember how much off hand.
> So I guess there are high chances that you can lose your investment over the course of that 10 years? VT is the entire stock market It was negative between 2000 and 2010. The 1970s also sucked. Japan had a "lost decade" which became 2 decades. It is impotent to understand that you have not made or lost money until you sell. Between buying and selling things will move around. While it is counterintuitive, if you are investing for the long term and buying on a schedule (X dollars every month, for example) down markets can work to your advantage. Be conscious of the fact that winners talk, losers sulk. All those guys [and it is always guys] bragging about their stocks doing so well will go quiet when the market turns/the CFO is found to have been embezzling/IP is found to have infringed on someone else's patent/the day traders find a new toy to play with. You might start [here](https://www.amazon.com/Little-Book-Common-Sense-Investing/dp/1119404509/ref=sr_1_6?crid=24OAG3S9CJI91&keywords=investing&qid=1643113952&sprefix=investing%2Caps%2C70&sr=8-6) Best of luck.
Thanks for the info once again. I clicked the link on the VT, and read the page. Seems really good but it was labelled a 4 out of 5 for high risk. So I guess there are high chances that you can lose your investment over the course of that 10 years? How often had that happened to you in your experience.
DCAing into VTI is honestly one of the best things you can do. I won't say THE best (because I can't see the future), but I will say there are about a million worse things you could do with your money. Other approaches: some people will encourage diversifying by adding international exposure (e.g., by picking VT instead of VTI, or by buying VTI/VXUS if you want to fiddle with the percentages manually). Some will suggest further diversifying with some exposure to bonds—google "three fund portfolio" and read the Bogleheads wiki article if you're interested in that. All of those are perfectly sensible approaches and, to be honest, in the long term, the results of all 3 will probably be quite similar. Whichever one you pick, you'll probably do just fine (and much better than many investors) as long as you stick to it faithfully and resist the temptation to do something clever with your portfolio when the market is looking especially bad OR good.
It is not advanced at all. It is the basic approach, and the beauty of it is that it almost always beats the hard approaches, especially for long term growth. Make it really simple. For long term growth/money you won't need for 10 years just buy [VT](https://investor.vanguard.com/etf/profile/VT). Done. If you want to be a tad more hands on buy the [Three Fund Portfolio)[https://www.bogleheads.org/wiki/Three-fund_portfolio]. Pick an asset allocation and rebalance once a year. Don't think much about it for the other 364 days. These examples are Vanguard funds, but there are many funds that are the same thing so you can do this at any brokerage.
A bit of a trick question here. If you are asking about the best 1 ETF it is either U.S. total stock market (VTI) or All world (VT). They would not be the best "until retirement". Imagine you were going to retire in late 1999 or 2008? Then the market drops heavy and doesn't recover for a while (years). There goes retirement until your portfolio recovers and hope you don't get fired as well during the recession at age 55+ scrambling for a new job. Due to the above example, you would want to be a retirement/ targe date fund which glides down the equities to more bonds as you get close to retirement age.
Ok. So pretend your starting the hobby of "animal trainer" and not starting to invest. Would you, A) start your animal training career by trying to teach a wild lion to kiss you on the lips, or B) teaching a dog how to shake? Good job on (hopefully) picking B. Now, use that same idea with investing. Start "boring". You want mutual funds, broad market ETFs. You are looking for things like VOO, or VT. (These are ticker symbols) avoid individual companies as you are still learning. Plenty of time later on to try picking the next Amazon. For now, your job is to find something like what an employer would offer in a 401k. The reason for this is the same thing as the animal training. Yes, there are people that through either luck or skill, or both, who can do wild stuff with stocks and make a lot of money. But for the beginner, the odds are much greater that the lion will eat you. Ease yourself in.
Perfect time to start putting a little money into the market every month. My advice is to simply invest into VT or VTI. In the long tun, individual stock picks rarely outperform, have more downside risk and you make yor life way easier a few decades down the line if ypu have to manage only one ticker symbol ;)
Maybe that's why they have such high expenses. I got a little curious about one of those platforms once and did a little research. It felt like with the cut that the middle man was taking the risk to reward just didn't add up. Granted I didn't actually crunch the numbers but there were people who understood this stuff much better than I do who did and they didn't see the value. Back to putting more money into VT for me.
I dumped high 5 figs in VT the 2nd week of Jan. Down over 5% already. Shit happens. For all we know we skyrocket next week or continue the dive. Regardless, it'll be up more than if I held in cash when I take it out. Just a part of life. Win some, lose some.
High risk fund? You could have doubled your money in SPY in the past few years. I got lucky any my speculative assets did better than this, but even the boring set it and forget it funds did well. Hell VT is up 60% in the past 5 years.
First things first, if anybody on this sub gave good advice because of knowing, they wouldn’t be on this sub. That being said, the only major difference is your talking about a staple fidelity investment product vs a Vanguard Product. Your etf tracks the sp500. Would be the same as vanguards VOO. VTI tracks the entire US market I believe. So VOO is slightly less diversified. Although, let’s be real, if the fund you currently own is plummeting, VTI, VTSAX, VT, VOO, etc, will be close behind. Long story short, you’re doing the right thing. You are just on the fidelity game rather than Vanguard. Two questions to ask yourself if you’re actually looking to make a decision for going forward: • Does it concern you to be exposed to just SP500, or do you want full market exposure? (Volatility down, but returns down too potentially) • after that, what expense ratio does each find have? These will be very close, and, in my opinion, will not be noticeable until you’re at 7 figures+ Hope that helps. Although I stand by what I said in the first statement, so it probably won’t. Disclosure: I invest in VOO and UPRO.
So.... I am "lazy." But not too lazy. IF you are super lazy, VT is an ETF fund that follows the total stock market. This is the only fund "theoretically" that you would have to invest in because it invests in both US and Foreign stocks. That being said, I like a little bit more granularity, because I am not as confident with foreign stocks, so I invest in VTI, VXUS, BNDX and BND. This covers everything, but the foreign and bond indexes are at a much lower percentage. Depends on your goals though. I know some people just love dividends, so they go with SCHD (because it has a higher dividend rate but also has growth).
I literally buy VT and BNDW with a sprinkling of DIS. That’s literally it. For the next 30 years. What happens, happens. If I have to strap and hold I will. I’m just saying it’s bold to predict what you’re saying when there’s mountains of evidence that nobody can predict the future of the market. That’s why I invest so heavily in the ETFs I do. I’m just going to do as good as the market does for the most part.
https://awealthofcommonsense.com/2022/01/how-often-should-you-expect-a-stock-market-correction/ If you have money in diversified index funds (VTI, VXUS, VT, VOO) this is to be expected and you should be rooting for the market to go down. I’m planning on buying stocks weekly for the next 30 years. Just be patient, stay calm, stay disciplined don’t use margin and you will be fine
VXUS is 100% international no US stocks, VTWAX is everything in the world. There are other options as well like VT and then fidelity and Schwab equivalents. I would consider ooking into some level of international exposure, although most large US companies are international at this point so it's not like you aren't currently exposed to a point.
SCHD/VT/VOO, VYMI. i have my max amount of money allowed in my spacfolio currently. if you don’t have limit to your gambling you’re gonna have a bad time. investing in the ETFs i mentioned above isn’t gambling, but it’s definitely boring On dips i’m adding KRBN. only ticker i’m up big on still. Recently just started a small URNM position after people mentioned it but gotta research more
What is your goal with the investment? Growth over the next 10, 20, 30 years? Immediate income producing? If you are entering the market as a long term investor (over 20 years), I believe the data says lump sum investing into index (VOO, VT, VTI, VTSAX) and leaving it alone.
*Yawn*. Just buy VT/VTI/SPY and call it a day. Keep buying more. This goal of “hedging” and trying to time the market and such is a great way to lose money. More money has been lost by people trying to anticipate crashes than has been lost and recovered again just riding the waves.
VOO - S&P 500 VTI - total us stock market VT - total world stock market Bad news though…..if all stocks are diving moving it to an index that is going lower won’t fix your problems short term……you’ll just follow the index as it struggles. long term sure, but short term no.
VTI is up 86% over 5 years, VT 60% (according to google) I just bought some more after not investing in awhile, gotta fill up that roth ira contribution. Even if keeps going down next week I have no worry that it it won't at least bounce back.