VT

PutinBoomedMe

My equity exposure used to be entirely domestic with the exception of a few individual stocks. I sold it all and just reinvested in VT. Roughly 65% domestic and 35% International. I also have a indexed linked annuity that has uncapped 130% participation on the MSCI EAFE and EM indexes over the next 6 years. No fee and the only thing I lose out on is dividend reinvestment. Getting the extra 30% on top should more than offset the lack of dividends. It has a 10% downside buffer as well.

snkscore

At 19 I'd be putting all my money in QQQ or VTI or VT for the next 30 years. If the market crashes in the next few years put half of it into SSO

ChaplnGrillSgt

The amount of overlap in all these funds makes 90% of them redundant. This is definitely just the Fidelity advisor making things seem incredibly complex to warrant his unnecessary fee. 1.5% is crazy. You can dump this all into VT, hit all the same stocks in a more balanced fashion, and pay pennies on the dollar in fees. A 3 fund portfolio, especially at 50k invested, would be more than sufficient. Depending on your age and risk threshold, leaving out bonds altogether wouldn't be unreasonable. Hell, you could go with the Fidelity Zero funds and pay literally nothing in fees.

Hoixcio

Well I would open an investment account, put it to VT (€VWCE) and chill

MeineGoethe

VT or VTI + VXUS. If you plan to only hold in Fidelity and a non tax account then you can use their 0 fee mutual funds FZROX + FZILX. If you only hold VOO then you’ll miss small/mid cap and international. I personally just hold VT because it’s a simple and covers everything.

skyzm_

This is complicated more than diverse. You can buy the ETF called VT and own the entire world’s stock market, over 10,000 holdings. Doesn’t get more diversified than that. Seriously, look up Bogleheads. The whole theory is that you don’t know shit, and can’t know shit, so just follow the market.

xanthorhoea

DCA in the coming months as it's a big sum, VT and chill, emphasize on "chill". I started like like you, scared to invest with a good chunk of cash in saving. I'm still kicking myself sometimes for being chicken for too long and didn't invest sooner.

avatarfire

KO, VT, SCHD??? Lmao what is this, r/investing?

Smart_Food_4823

This portfolio has more 'slices' than a New York pizza party, and most of them are crumbs. 0.3% in International Small Cap? That's not diversification; that's 'Account Decoration' to justify the 1.5% fee. Just buy VT and go to the gym

paistecymbalsrock

VT

betsbillabong

Oh my god. Do not do this! If you are fully in cash now, then I agree on 70/30 as a good allocation. You can get that through a two-fund portfolio: 70% VT and 30% BND or VGIT. And do not pay 1.5% -- that is highway robbery.

shit_fucks_you_up

No this is stupid and a 1.5% fee is criminal for that. You can do a 70/30 stock/bond portfolio with like 2 ETFs instead of this needlessly complicated list if you wanted to. I'm not a professional, just some random 43 year old guy...but I would say you don't need 30% bonds now or maybe ever. Look up the 3 fund portfolio if you don't want to pay 1.5%.  Or just buy all VTI or VT, they are indexes for the US market or the world market. Add bonds if you want. 

A10cc

Bro just do VTI/BND or VT/BND. It's so simple.

mrjones50k

Absolutely not. Run the difference between a 6.5% compounded rate of return vs a 8% compounded rate of return through an online compound interest calculator over 30 years, for example, and see how massive the difference is. Buy funds such as VOO, VTI, VT, and research simple portfolio allocations. In reality, it’s excessively simple to make money in the market over the long term. Asset managers intentionally make things complex so you think you need to pay their fee.

fzrox

Just go VT bro. Way too many holdings for no reason

Freightliner15

Really. 70% VT, 30% BND would be soooop much simpler.

BaconGreaseShot

1.5% advisory fee is a BIG NO. Thats $750 today, compound that over 25 years and you wont like the number. You're better off buying low cost index funds like VTI or VT, they will outperform this portfolio and save you the fees.

Raveen396

Investment "advisors" love to throw 20+ extra funds to make it look like they're doing something, but is having 0.9% in "DFA Emerging Markets Value I" really going to be worth justifying the 1.5% fee over just buying VT?

Buntatricky46

There are no garbage companies in the SP500. The 500th and 501st largest companies switch places all the time, so it’s already “modified” to ignore garbage companies. Historically, the SP500 has never included IPOs, but spaceX may change that. Theoretically, you can buy a SP500 index with low fees like VOO, and then short sell fractional shares of companies you don’t like in the SP500 bundle. This would be a pretty ineffective, and inefficient, way to mitigate risk. You’re better off just buying VOO, or if you want more diversification, buy VT, or VTI+ VXUS, or VOO+ VXUS + SGOV etc the proportion you short sell

Delicious_Put_5857

also have a non-leveraged account where u hold at least 50% VT at all times, and right now buy XLE with the other 50%.

SecretPantyWorshiper

Im guessing VT is going to drop

rollin20s

Broad indexes are the answer (imo) - VTI, VT, VOO, VXUS etc. can’t beat the diversity of exposure. Slow and steady wins the race

chillPenguin17

Is VT diversified enough?

BudgetFantastic1857

So, is SPY and VT viable?

BudgetFantastic1857

But I feel like VT is less reliant on the US economy, that’s why I did it as a slight back up to SPY

DatsMaPurse_IDKU

Yes. If you want to be more diversified go VT and chill but VTI is a nice middle ground between VOO and VT that I personally find comfortable for a retirement account

RagnarokWolves

What's wrong with "Allocate a certain percentage from every paycheck to buy VOO or VT and always be buying no matter what the market is doing?"

Forward-Surprise1192

Why would I risk my last $150 on VT and wait when I can spend it on some fries and 0dte calls and make way more?

VampireEmpire__

Not something like VT, right?

IBangTokyoWife

Sell but put in VT

Ok-Sheepherder7898

Just buy VT or VTI or VOO

hibanah

* 60k - VT and chill * 10k crypto (which coins and does it need to be 10% of your NW?) * yeah get this out asap and download the Blossom social app and see what smart folks invest in. * 55k - yeah VT and chill or something like SCHD/Voo/qqc until you figure out your own style. 3.5% is pretty crapy. * 28k - get a target fund at the very least. Or invest in low fee ETFs. * 15k - yup leave this as is because you have about 3 months of expenses in the hcol

Seref15

The common advice is to max out tax-advantaged accounts first, then do personal/taxable investing. In 2026 you can contribute $24.5k to 401k and $7.5k to IRA. If your health allows and your employer offers, you can also switch to an HDHP healthcare plan with an HSA which gives you another $4.4k of tax advantaged investing. Once thats maxed its time for a taxable portfolio. Its smart to start with passive investing and only move to active if you want to and after youve learned a lot. For passive investing, pick your "___ and chill": * VT and chill: VT is a total global market index fund. The fund basically follows the global market capitalization distribution of ~60/30/10 US/international/emerging. * VTI and chill: VTI is total US market index fund that roughly follows the US market capitalization distribution of ~75/20/5 large/mid/small cap companies. * VOO and chill: VOO is an S&P500 market index fund that invests in the 500 largest cap companies in the US. Will have to do some reading to decided which of the above you prefer.

rufio313

You don’t have to rebalance. Most US investors would consider VT too evenly split anyway (most preferring somewhere closer to 70/30 or even 80/20). Historically VT has been closer to 50/50 with 5-10% swings in either direction. For long term investors it really won’t make much of a difference. The biggest thing is just getting your money into the market ASAP. From there it’s just a matter of how much flexibility and control you want.

rufio313

On the flip side, tax loss harvesting. You can harvest losses in just VXUS during an international downturn while holding VTI. With VT, you’d need a global selloff to do the same

Infamous_Ad8730

All into VT and VOO and convert the max yearly to ROTH in the same investments to avoid income taxes on that at withdrawal time in retirement.

DinnerNo5925

Rebalancing with gains defeats the tax bonus and general purpose of an ETF. If you cannot commit to a fixed %, yes just do VT.

snoopingforpooping

$100k in VT.

rufio313

VTI and VXUS if you don’t mind checking in like twice a year to potentially rebalance. VT only if you just want to chill and never rebalance.

Sirspender

Can't get more passive than a low cost, well diversified etf investing in the world's best companies. VOO VT VTI ITOT Pick one, keep adding, and enjoy retirement when you get there.

infrastructure

Big Vanguard fan here, I don’t even know why I come to this sub, maybe cause in my heart I am truly regarded. But I have been pro vanguard funds since about 2015 and it’s been nothing but sweet sweet gains, dividend reinvestments, and compounding bliss. Sold some property and threw about 350k into VT about 10 months ago, I’m up over 50k even with all the nonsense going on in the market. Set it and forget it with vanguard is so much less stressful than playing the casino.

Auggernaut88

If people don’t have $150 for VT they don’t have enough to gamble on more risky plays. Fries in the bag please🍟

Pharmacologist72

I held 400 shares of VT across three retirement accounts. Sold 300. It was soooo boring but made money.

CD274

Great. WSB is full of VT and chill and Value investing is asking how to short CAR

throwaway8237987

left US at 1/1.1 mil in May 2021 to canada. basically didnt add anything to it. coasted. left for SE Asia 10 months back. now its at 2.1. just took out 40K to pad a 2-3 yr emergency fund when we do actually retire, retire. but coasting is so easy right now. may just let it double one more time over the next 7-10 years. Stuck to our guns VOO/VTI/VTI/VEU ... lots of overlap. don't care, haven't looked at percentages. likely staying that way? May switch more to VT in retirement accts.

ardus666

VT and chill.

Space_Pilot1

I could see VTI and VXUS for someone willing to specifically derisk from US equities given the current political environment. Or just do VT long term and call it good enough since the overall returns are roughly similar. For Bonds I believe IUSB, BND, or AGG are pretty close too with about 17k basket holdings according to Fidelity Investments. Anything else is simply increased decreased diversification and increased risk at the benefit of potentially higher returns or greater losses

testing_profile

I'm from India. Our currency is going down against USD. I buy Indian etf and US market VT every month 50% allocation

Animag771

Beta and correlations are two different metrics. Also metrics change based in the time period you're looking at. **1-Year Period** | Portfolio | Real Return | Beta (vs VTI) | Correlation (vs VTI) | |------------------|------------|---------------|----------------------| | VTI (benchmark) | 27.95% | 1.00 | 1.00 | | 60/40 | 17.24% | 0.637 | 0.984 | | VT | 28.52% | 0.953 | 0.963 | | Perennial | 26.29% | 0.689 | 0.840 | **10-Year Period** | Portfolio | Real Return | Beta (vs VTI) | Correlation (vs VTI) | |------------------|------------|---------------|----------------------| | VTI (benchmark) | 10.95% | 1.00 | 1.00 | | 60/40 | 6.09% | 0.605 | 0.979 | | VT | 8.76% | 0.918 | 0.976 | | Perennial | 7.60% | 0.641 | 0.952 | **25-Year Period** | Portfolio | Real Return | Beta (vs VTI) | Correlation (vs VTI) | |------------------|------------|---------------|----------------------| | VTI (benchmark) | 6.89% | 1.00 | 1.00 |

Putrid_Pollution3455

all depends on your goal; set and forget? VT. Want a lil nuance? VT/IBIT/USFR....want to crank it up a notch? SSO/KMLM/IBIT. Want some yolo-fueled inspired AI-maxing-goon-ascending hocus-pocus? YOU. The S&ME500. You work on increasing your skills and savings rate, which will dramatically help you more than finding the "next big strategy". Until your account is massive, your savings rate is more important than your asset quality....but if you insist on lighting money on fire, TECL/BITX/TMF in October and sit in USFR until then.

roryknelson

VT holds Tesla though.

ateranol

I'm pretty sure the only subreddit where the the average person makes money is bogleheads. And that whole subreddit boomer autists indefinitely arguing wether to get VT or VTI+VXUS to save 0.00001% on TER.

ManhattanTime

It becomes a game rather than thinking about a secure future. It allows you to put money into extremely conservative accounts so that you have that future security you need but then the rest rides (for me) on VT, VTI and VXUS which isn't going to make stratospheric returns but slowly and solidly builds wealth. I have the Vanguard app and it has a nice little feature where you open it and from FaceID it just shows your total without going into the actual app. It takes two seconds to view it. I find myself looking at that a lot. The nasty day of the start of the Iran War or right thereafter I recall looking at it during a work meeting and I was down $650K. I just laughed. I had no idea what the news was because I was in a meeting but I knew something drastic had happened to the markets. Because I don't need it and am a Bogelhead I don't micromanage it. In fact I don't even manage it. Set it and forget it. Four weeks later it gained it all back and is another $100K or so above the previous high. So it's just a game - something fun to look at. I won't touch that money for a dozen years. But I do find that I don't want to spend money. At least on frivolous things. Material things. Porsche 911 GTS, Vacheron Constantin watch, second house out of state, blah blah blah. None have the appeal they did when I was younger. Basically we spend our money on very nice vacations and comfort on overseas flights and that's about it. No new kitchens, whole-house remodels, expensive jewelry. There's nobody to impress. Our neighbors have no idea we're "wealthy". They live way larger than we do but thankfully I don't have a Keeping Up with The Jones' wife. Makes for a nice life. TLDR: Life is great! Stay the course. Don't extravagantly spend. Keep building as long as you are enjoying the things you have. Comparison is the thief of joy.

Mysterious-Entry-357

His proposal for how to adjust the inflation metric makes it undeniable that cuts will be his top priority. Paying the debt is a fiscal problem without realistic political solutions. No good options here but rate cuts would reignite TINA and TIARA investment logic and likely flood US and foreign markets, as well as gold/silver/bitcoin, with cash to hedge massive inflation losses. TIPs, and any other investible debt equities, won't get it done. FXF, GLDM, PDBC, and GBTC for preservation. VT for equity. Or maybe just a metal detector, rum, and Shawshank Redemption on replay.

Crafty_Priority8026

ETFs rebalance things quarterly, and then adjust in real-time depending what market does. If, say, TSLA is selling off, major funds reduce their exposure accordingly. The only time you'd see something like SPY tank is if the whole market is taking a dive. One component having a bad run is not going to affect the fund significantly. As far as I understand, the main difference between funds like SPY, QQQ, VOO, VT and such is in how they distribute dividends and in their fees structure.

agentictribune

VTI is US-only though. you might want to try VT with the same patience.

edWurz7

Sell all and get VTI or VT.

Chorkla

I disagree about buying a house, I've been down that road, if I had or my money in VT or SPY years ago and rented, I would have much more money now. The stock market appreciates way better than the housing market over time. And with a house you have so many extra expenses it's a complete nightmare. Just rent.

briggssteel

I made this mistake back in early to mid 2021 when trading was the hot thing. I kept thinking the more research I did I could figure it out and outperform the market. Ended up doing terrible. I lost $300 in all which isn’t really all that bad but I lucky don’t put all that much into it. Dealing with the taxes for day trading is also a huge pain in the ass. Once I accepted that I was never beating the market I opened a Roth IRA and just dollar cost averaged into a retirement mutual fund, VOO (Vanguard’s version of SPY), some VT (Vanguard World Market ETF). The majority in the retirement fund though. Now after 5 years I’m up 14.5% and I can see that it’s growing a bit quicker as it compounds. The only time I stray from the dollar cost average is when there’s a sizable dip in the market (like the Iran oil fiasco for a week) and I’ll add a little more than normal, but not a lot. Basically invest in a retirement fund, automate it and forget about it, so much less stress and you’ll actually make money almost guaranteed.

FairMongoose5583

when someone says “VOO and chill”, they mean to buy into the broad market and let it sit for a while. this of course is assuming they have decades to chill. also, VOO here is interchangeable with any broad market ETF. for some people it’s the S&P 500 (SPY, VOO, SPYM, IVV, SWPPX, among others). some people it’s the broad US market like VTI, some people it’s the broad world market like VT. the catchphrase is more investing advice than anything

DoggoDadagon

I prefer VT, but in general the "buy the market and don't think about it" advice is good advice for most people. When you get closer to retirement though you might want to shift things to safer but less growth potentially and more focused on dividends. The problem is many people don't like getting rich slow, they want to get rich quickly, which is why most traders lose money.

fernst

VT

Acrobatic-Song-3151

Nobody knows, too many factors, so I’ve just been admitting that with Vt after decades in the game. If Voo outperforms the next decade we’ll still do just fine.  Just sold some VWO to rotate to VT. It’s running, but I don’t want 1/8th of my money in Tsmc. These ETFs have gotten so lopsided they’re breaking common sense rules. Good luck

IdioticPrototype

To be fair, I moved most of my ETF holdings to VT, but what you said may still apply unfortunately. 

Chorkla

I'm in a similar situation but not nearly as big of a gain. I bought INTC $70 Call 01/15/27 3 days ago on april21, just 7 contracts for $9870 total, (14.10 premium) they're now up 80%. So I could sell them for around 18k. Not sure if I should sell, and move into something safer like putting half the money into regular INTC shares and the other half into VT, or just keep the calls since they're still far from expiration.

IllllIIlIllIllllIlll

>I know everyone so going to say VOO/VXUS. Looking for other ideas VT >Goal for the money is to either hold long or use it to buy a medical practice in 5-6 years. Well those are two vastly different goals. If you want to use it in 5 years then just keep it in the money market.

razullinky

Holding VT helps to keep my gambling addiction in check but that I am ghey

Acrobatic-Song-3151

I agree…hopefully this community comes up with a solid plan as we bounce these factors around.  I’ve been shorting Tesla for almost two years and will likely short some of the others a bit too.  Vt cuts some of the risk by almost half.  Tesla weight (latest ~2026 data) VOO (S&P 500) → ~1.9% of the fund   VT (Total World) → ~1.0% of the fund  

Open2Lrn

Sell all and buy VT

GameOfThrownaws

Passive indexing is not limited to US companies. You can invest in international, like with VT or VXUS. There is some level of expectation that after quite a while of US domination, it might be international's turn to outperform over the next decade or so anyway. Not that anyone can say that with any certainty, but it's not exactly a ridiculous prediction. International isn't a bad place to be right now.

kinnadian

VTI is just US total market. VOO plus mid and small caps. So even more overlap than VOO+VT

EVETalker1

50% in VOO when u already have VT, can you explain ?

HystericalSail

Well. You seem to be a pretty solid contra-indicator. Guess I better dust off my stock picker-fu and stop being so lazy. SpaceX and Anthropic and OpenAI going public is going to suck a LOT of oxygen out of the passive air. Especially with the financial engineering Musk is planning to have retirement contribution to index funds be his exit liquidity. Your timing may, once again, be less than stellar. That said, VT and VOO are my choices too. For now.

No_Arm_6582

Excellent trading bro, congrats. I took the ride with MACOM, GLW & ASX in that order of fund allocation. I’m a VT and chill man at heart so nothing too exciting, still excellent picks

Ausky_Ausky

Just buy a global, market weighted ETF like VT and call it good. It'll do all the necessary rebalancing for you if US starts to be less dominant

Alicyclobacillus

In January I would have said VXUS will outperform VOO due to valuations Given the Iran war however, much of ex-US is facing oil shortages. Their more exposed economically to the consequences of the war. So VOO probably will outperform given what we know now. Things can change on a dime though. Probably diversify globally by cap weighting (VT) is best bet

yohannanx

Why hold VTI/VXUS and VT?

BackgammonFella

4 etf forever “index” portfolio 20-40% SGOV (100% short term treasuries, may be worth diversifing with municipals if in NY, CA, MN, etc) 20-40% VTI (100% US stock market) 20-40% VXUS (100% international stock market) 10-80% VT (100% world stock market) If indexing, why not fully index the entire equity market?

TheBlackBaron

Just pointing out that Buffet himself told you to put 90% in the S&P 500, 10% in cash as a buffer, and to not worry about it. Buy VT instead of VOO if you want to be more diversified, you probably don't need the cash at all if you aren't going to need to tap the portfolio soon (remember that the original context of that suggestion was is it's how he's instructed his estate invest for the benefit of his wife after he passes - she might need to draw from that cash, you probably don't), but for the average person with horizon to burn, sitting around with big piles of cash looking for individual stocks to buy because you're worried about expensive multiples is a loser's game.

drew-gen-x

I bought $XLE on Friday. Just like $VT, $VTUS, and $VTI or $SPY were underpriced on March 31st; $USO and $XLE are underpriced now for the amount of risk the markets are discounting. I like poking the bear vs bull arguing here; but really people should never be too bearish or bullish. The market is overvalued vs the amount of risk it is taking right now.

Middleagedmom52

VT is 65% North American with almost yhe same top ten as VOO might want to review how to pick etfs as well

monkeybrainbois

Im still in the market with strong etfs like VT and SCHD. Got an about half of my taxable account in SGOV (CASH) waiting for something to happen. I’m still making my regular DCA every month into VT and SCHD regardless of what happens. Other than that still buying gold and just hodling whatever bitcoin I’ve managed to accumulate over the years. I sleep well being diversified in these uncertain times. Hedge your bets, never know where the future will roll. Don’t want to crap out without insurances.

the_real_MSU_is_us

\> I think they are borderline interchangeable. World vs SP. Brother VT is ALL world stocks, including S&P. IIRC it's like 60% of VT is made up of the S&P. by going 50% VT 50% VOO, you actually went 80% S&P 20% smaller US + non-US. In effect, sure you're no longer picking individual stocks, but you are now picking an individual country to outperform. Still way more diversified but you should really understand what ETFs you're buying

Economic-Bee-Hoon

VT and VOO have lots of overlap. Suggest you do %VTI (US), %VXUS (international).

One_Talk_3410

DCA into VT. Take the money and invest equal parts per month for the next 12-24 months based on your psychology and risk tolerance 

Darkdudproxxx

Vwra is better but yes i agree VT is pratically the same

tired_of_morons2

Dont fucking do this!!!!!! Its just more speculative trading timing the market bs. "Be sure to sell the BTC at a profit!!" Yeah ok thanks for the tip lol YOU AREN'T SMART ENOUGH TO TIME THE MARKET! (neither am I fwiw). The sooner you realize this the better off you will be, People want to feel like they are "doing something with their money". But it just doesn't work that way. People constantly come on this sub with questions just like you "How do I invest x (little bit of money) to set myself up". You can't my dude. You CAN invest it, but then also figure out what you did in life to get you that money, then do that again, and invest it again. Do that over and over for decades and you will be rich. It takes patience and time for it to compound, which most people just can't handle. They try to "do something" or get distracted by that shiny thing they want to buy in day to day life and squander their money. Sure you could DCA over the next year or something, but in 20+ years its not really going to make a difference. Time in the market beats timing the market. Put your 20K in VT and figure out how to put $500+ in every month going forward and FORGET ABOUT IT for 10 years.

latending

Wouldn't holding VOO be timing the market versus VT?

DarkVoid42

sell and buy VT

IntelligentKey6929

Generational wealth has historically been built in one of three ways: 1. over generations; 2. Off the backs of others (serfs or slaves); or 3. it was stolen. Don’t worry about generational wealth. Focus on investing for your lifetime and perhaps for your kids to have a good start (e.g. college/house fund). I’d recommend a broad based ETF like VT for you, perhaps a value fund to start, like VTV. Just understand these are crazy times. You could see your $20k halved this year. But then it could become $25k in 6 months. You never know short term.

Facts_Or_Feelings

Good for you, took me 20 years to finally figure it out. It was a wash for me. Now, I’m 50 % VT, 30 % Voog, 20% vanguard bond. Nice and easy. I just put a $100 in almost every day n sometimes $200 or $300. The last four years have been easy and great.

Beginning-Novel-4213

Try investing it regular intervals, maybe $2k a month for the next 10 months? That will help the psychology of all this. If the market is up, you’ve made money! If the market is down, you get to buy cheaper and make more money in the future! Just stick with something well diversified like VOO/VTI/VT.

Mr_Pricklepants

This sub is convinced the market is going up and will always go up, if not today or tomorrow then next week or next month and forever. It's an echo chamber for DCAing and VT and chilling. So there's no point in posting here about what current markets are doing or whether the market is overvalued. You won't get upvoted and almost every comment will be some variation of the preceding. It doesn't matter what any PE ratio might suggest about stock values, whether there's any evidence that consumers are overextended or lack confidence, nor does it matter what public policy is being followed or whether that might have any long-term negative impact. The American consumer is infinitely resilient. Corporations are endlessly innovative and will keep generating new record profits to the end of time. If you're looking for other perspectives than those, I'd look elsewhere.

IDrinkSulfuricAcid

S&P500 is necessary as it contains tech leaders that are simply unmatched globally. You don't necessarily need tech ETFs because S&P500 is quite tech heavy as it is. That being said there are periods of US underperformance compared to global indexes. I mean just look at 2025 due to all the political BS. That's another conversation but yeah. Also try to keep in mind currency exchange rates, I know that's a big thing for non-American investors into US based funds. Your US fund may go up but if the dollar loses value it might reduce or even erase your gain in the short term. I think your best bet is to either go with an all world fund like VT or do a mix of SP500 and something like VXUS. For your individual stocks I know this is gonna sound lame but go with blue chips man...I can almost guarantee you that if you invest in something like Apple or Google, you will be in the green in a few years

kinetic_honda

Only 20? Wow. Use time to your advantage. It's your best friend. Put your money into VT or VTI + VXUS, keep doing that regularly. Ignore noise and do this for decades. Then, profit.

laverania

You are based in the UK. Don't do VOO or VT. CSPX and VWRA are more suitable for you. Look up UCITS ETF.

IBangTokyoWife

This guy's correct. You want VT alone. Otherwise you're messing with the formula

AceMaxAceMax

My Roth is VT, my taxable is VTI/VXUS. Simple as that.

AmadoMoonrey

Hello, like VT or S&P500? That’s what I was thinking to keep it simple like people said.

MJsHoopEarring

VT is also a lot less volatile/more stable because it's better diversified