VT

illuminato8

Bitcoin, gold, silver are speculation not investment. Keep it if you want to continue to gamble. Sell it and buy VT if you want to invest.

lana_rotarofrep

wait 10 years and your VT will be higher lol

External_Soup668

You need to earn at least as much as you put into an IRA or you can get penalized on the excess contribution and its gains. The annual limit for 2026 is $7500. Tbh the other guy is right, focusing on school is gonna be your best bet overall. Depending on what your budget is during school, you could set up a recurring investment of like $20-$25 a week into an ETF like VOO or VT in your taxable brokerage account. It doesn’t sound like much, but over 4 years that’ll start adding up. The rest of your budget is for college expenses, new experiences, and socializing. At least for a year or two.

MrPandaOverlord

Buy VT

AlxCds

Venezuelan stock market is also at all time high. Price VT against Gold.

0fficerGeorgeGreen

This is where 80+% or maybe Roth IRA is currently and I won't be moving it. The only reason it isn't higher is because I decided to 'diversify' a bit this year with VT.

ExtraGuacAM

I’ll comment for real, after saying “congrats & fuck you”. To anyone that winds up in this position, I don’t agree totally with the “drop the job and go live your life without any responsibility”, that might just be a personal preference though. I say keep a job (albeit you are not allowed to be picky and choosey) it keeps some level of structure to your life (I sure need it) and responsibility that comes with it. You’re job money now becomes your free to spend cash with no need to be concerned about spending amounts so long as you’re not a total fuckin retard.  Definitely take some of the money and your “winnings” to do some things you’ve always wanted to or buy something by you’ve always wanted to own.  I do agree with what you’re thoughts and others thoughts are on pulling a large portion (60-90%) of your capital out of the markets/individual equities and just VT and chill or store it in some “store of value asset”. Go read a few summaries on net worth by age and you’ve certainly speed ran the net worth struggle by ~20+ years.

Bubbly-Hope6968

If you just wanted a single fund recommendation I’d say VT. Globally diversified, set it and forget it kind of fund.

mikeyj198

now would be a good time to convert to r/bogleheads convert to a very simple equity position, it could be as simple as 100% VT. Keep working if you want, or don’t.

SirGlass

But there has been no real "sell off" VOO for the USA markets is with in 1% of its ATH , falling 1% is just noise not a sell off VXUS is pretty much at an ATH for foreign markets VT the world market is with in like 0.1% of its all time high Where is this so called sell off?

plasticbug

If you are unsure of US markets, you could just go VT and forget about it.

tooclouds

Yea I could have invested in that one biotech stock that went up 2000% percent in 1 day? I don't see how you can compare what you're saying when you can just put it in VT, never look at it and then come out beating most investors? I agree that there are cases where people beat VT and chill (pharma example), but it's not reproducible and you need to be smarter and best than most to beat it. I personally don't VT and chill, but I would say that I'm the one with the disadvantage. Books like Random Walk Down Wallstreet and investors like Warren Buffet have definitely made statements that go against everything you are proposing. I'm not saying that they are right because it's them saying it, but because the data says so.

hymie-the-robot

I would think about something like 20 each SGOV, GLD, VT, IJS, DBMF. VT + IJS pulls you away from large cap and tech concentration; on a rocky road it can be advantageous to not be on the bus with everyone else. DBMF profits from relative movements of currencies, credit, commodities, etc., which reduces dependence on that bus I just mentioned, profiting from a different stream than equities.

xx123234

VT is literally 0.24% from its ath

JamesSt-Patrick

Yes yes I know the hot funds for you guys are now VTI and VT, which actually boast worse returns than VOO, because of course they do. You guys are gonna start just buying fixed income at some point because you like the predetermined coupon payments

JamesSt-Patrick

The results of what? 20% in the past year. Okay, VOO has done 14-15% over that timeframe, QQQ has done 18% iirc. Emerging markets have done 40%. Canada has done 30%. EAFE has done 30%. You easily could have beaten VT by just looking at what was going on. You could have done 50% on semis. Let’s not even talk about commodities. And these index funds don’t provide downside protection. I could have gotten you better returns than SPY while actually providing you with some downside protection via alternative strategies.

tooclouds

I don't know what you're getting at? Are you saying just become an active manager? Regardless of how "braindead" VT and chill is, the result speak for themselves. Do you have a secret to share about a strategy that reproducible and better?

dizzlebizzle23

I’m only in VT. I agree with you.

dizzlebizzle23

That’s why I choose VT over VTI

paci0

isn't VT = VTI + VXUS?

Macro_Insight_Author

VOO is a solid choice—it’s essentially a bet on long-term U.S. growth. However, based on 2025 performance so far, the U.S. hasn’t been the top-performing market. A weakening dollar has been a headwind, and gold and silver have significantly outperformed VOO this year. Personally, I’d allocate 60–70% to VOO and QQQ, 15–20% to gold as a hedge, and the remaining 15–20% to top global ETFs like VT, VEU, and IXUS for international diversification.

IsabelleDu10xx

Personally I’d go \~40% SGOV, 30% GLD, 30% VT and rebalance.

mr_brobot__

That’s about as good of a long term strategy as it gets. Alternatively you could just buy VT or approximate it with closer to 62% VTI and 38% VXUS.

varietyviaduct

Would it make more sense to just do VT?

sillyhands1

I would put into VT personally. Asset inflation is still a thing and even with the chaos us markets are still the largest in the world. Another 10-15% in gold/silver/rare earth.

Machine8851

VT would be a better core position as its more diversified with small, mid caps, and international but I would never put 100% into anything, maybe 60%

wolfhound1793

In 30-40 years when you are looking to retire, the 2020s will be largely irrelevant. You'll see the impact Trump has had on the long term graph, but that is about it. As for the strategy, generally speaking it is optimal to do 60% domestic + 40% international, and this is true regardless of where in the world you live. Your other option is just go with VT for the whole world anyways and ignore it. But for someone as young as you are, just shove however much into the market as is fiscally responsible and start stockpiling cash to buy a home and for emergency so you never have to sell your shares. Remember, the people who win at the stock market are frequently the people who forget their passwords and just let it ride for 30 years.

Shdwrptr

Yeah, if OP was debating VT they’re close to 85% the same but the people claiming they’re pulling out of US equities completely are going to get wrecked in returns most likely

BackstrokingInDebt

I’m trying to feed the weights in a portfolio analyzer. But these tickers are not recognized hence curiosity on why. For example VWRP - if it’s all world etf - if it’s ex-US then normal sec would be VEU or VFWAX - if it’s total world then VT or VTWAX So how did you get the VWRP option?

humblequest22

Using CGDV as an example, that fund is less than 4 years old. Yes, they've done very well since inception, but they may just happen to be in something that has done very well over that time period. VT beat VOO by 7% last year, but somehow people seem to think VOO is the benchmark. I do think American Funds are pretty good, and if you can their funds at the lower end of their expense ratio, you could do OK with them. When I started in my 401k at work, we had access to American Funds that all had ERs over 1.0. I've hounded management until we lowered our "advisor"'s fees and also got the ERs down to the 0.30-0.35 range, so the AF options are reasonable now.

EmployerSpirited3665

I don’t think you understand how VT works. It auto adjust based on market performance. US stock market crashes  then VT ends up holding less of the US. If Germany goes up then VT holds more Germany etc. Look it up so you understand your investments a bit better. 

Ok-Educator5253

I just started stock picking. It’s fun and can be quite profitable. If you do some research. But most of it should be in broad market indexes. SPYM, VOO, QQQM, or I also like a “Growth ETF” SCHG, which is cheap. VT, VXUS, VEA, VWO are also popular for international. You are young, so bonds don’t make as much sense. Getting exposure to gold or silver will likely do good this year and next. Frankly, as long as Trump is president.

Aggressive_Finish798

Are you investing in yourself first (basically get a skill that will earn you more in the future. Like an electrician or doctor, or plumber, etc). Also wipe out any credit card debt because that stuff is a net negative cuase the interest rate is so high. But yeah, like everyone has said.. VOO, VTI, VT all are good places to start. Compound interest is crazy. By the time you're old, if you keep investing, you'll be wealthy.

kazzin8

There's no get rich easy/quick answer. Unless you're going to actually spend the time in a part time job (real estate etc.) your best bet is to invest in diversified index funds like VT.

crashorbit

Anyone who tells you which are the best is guessing. Investing is gambling. Big Index ETF are a good choice for long term investment. All the big firms have ETF in each of the categories. These are some Vanguard funds. Real estate backed ETF: - VNQ US real estate REIT - VNQI Global real estate excluding the US Stock ETF - VOO S&P 500 - VT Global total market - VXUS Global total market except for US Do your research.

Last_Preparation_446

Open a Fidelity account and start out with VOO or VT.

dissentmemo

Maybe. Maybe not. Buy VT and you're covered.

Acrobatic-Song-3151

Any new additions in investment accounts is VT. Money is rotating out of US assets and there’s no reason not to diversify.

cjorgensen

You should keep 6 months of *expenses* in that Apple savings account. Then you should open an account with a real broker if you haven't. Use Fidelity or Schwab or Vanguard. Put your money into a Roth IRA and invest in VT and chill. You do need to get your income up, so invest in yourself to do what it takes. Get more education, attend management courses, job hop, get certifications, whatever you can do to make yourself more marketable and to earn more money. An extra $10k a year would go a long ways toward giving you some real money to invest.

TreGet234

VT and gold....

3VRMS

VOO is plenty aggressive and risky enough. Keep at it if your willing to tolerate that degree of risk, or diversify more with something like VT. Understand risk does not mean volatility. Volatility is your friend in investing.  Risk is the permanent, unrecoverable loss of money.  Make sure you have a good amount of savings on the side to weather life's storms, so you're not forced to lock in loses when it's the worst of times.

RevolutionaryPhoto24

I bought my first ever ETF today. Well, sort of. Wrote puts on VT (and PFE & BRKB.) What is happening?!?

therealjerseytom

> I want a diversified, growth-oriented portfolio that provides a nice amount of dividends to reinvest. Why dividends? The only thing that you should be focusing on for this account, at your age, is total return. Dividends are meaningless. > 1 VHT - I wanted healthcare exposure You already have healthcare as a sector within VOO. > 1 VGT - Read that this paired well with QQQM [...] 1 XAR & 1 XLE - With the Trump/Venezuela/Oil situation, I wanted to be ahead You already have all of these as part of VOO. Franky, you could just be 100% VT. *For about the next decade, the amount of money you can save and contribute consistently is going to make way more difference than farting around on these under/over-weight sector choices.*

Ground_Hog_Day_FML

VTI, VXUS, VT. Sorry, if you don’t know the basics by now, I wouldn't trust your “technical analysis” skills for day trading. First, learn the basic concepts of investing versus gambling. Extra points if you can learn which category day trading falls into.

UsedState7381

You were pretty specific about MSOS closing at $4.54 **today** because it would limit your downside risk go 20% though. But yeah whatever, I have been doing nothing but watching these tickers since I bought more at $4.52 I'm not buying more again as now I'm prioritizing my VT position again.

Senior-Jaguar-1018

the zion of “VT and chill” brainrot

Salt_Data3707

VT. 9% nominal long term

Realistic_Weight_842

I would not follow my approach… but… Been in gold mining 100% since beginning of 2025. I moved all bonds and equity’s into fidelitys select gold fund which is gold miners. Up over 100%. Talk about doubling my entire ira/401k balance. Not play money, I’m talking I converted everything. Sure it probably was super risky. But it worked my favor. Now the phase “market will return on avg 8-10% a year” makes me think that baby returns. Haha All jokes aside. Now im too afraid to move out of gold and back into VT or s&p index fund. And what do you know, gold fund up 11% this month. Looks like I’m doubling my retirement balance this year again. Lol 😂

TreGet234

VT, gold and silver miners, mu.

SprinklesMany2038

This would be amazing if you can keep contributing during a crash or down market. You should be more worried of it going up 20% per year like it has. Just stick it in a diversified global etf. VT is a good one. 

Think_please

You don't know anything about the market right now, just like (most of) the rest of us. Just start automatically investing weekly or monthly in something relatively safe like VT and forget about it. Crashes or dips are great for young people because you'll be buying in at much lower levels. Most important is starting your 401k at least up to a match at work or starting a Roth IRA (if in US).

retrorays

Yah or buy VT or VTI

Common_Poetry3018

VT plus VXUS

Imperial_Toast

DCA into Gold and VT. And proceed to chill.

no_simpsons

VT

AI-StockAnalyst

The system I use is based on a sophisticated AI analysis combining data from the last 5 years with the latest press analysis. I can create multiple Virtual-Portfolio™, analyze and compare them. After using it for your list, my system tells me: Ticker | Company Name | Price | Combined Score | Recommendation | Sentiment Score | Sentiment Confidence \-------------------------------------------------------------------------------------------------------- IOO | iShares Global 100 ETF | 127.22 | 69.70 | Hold | 0.99 | 4% QQQ | Invesco QQQ Trust | 621.82 | 80.53 | Strong Buy | 0.73 | 100% SOXX | iShares Semiconductor ETF | 349.28 | 62.40 | Hold | 0.99 | 24% VOO | Vanguard S&P 500 ETF | 635.21 | 82.36 | Strong Buy | 0.94 | 100% VT | Vanguard Total World Stock Index Fund ETF Shares | 145.24 | 78.55 | Strong Buy | 1.00 | 2% VXUS | Vanguard Total International Stock Index Fund ETF Shares | 79.20 | 75.00 | Buy | 0.99 | 20% XOM | Exxon Mobil Corp | 133.75 | 80.02 | Strong Buy | 0.84 | 100%

I-STATE-FACTS

Buying VT which is still largely usa

LightForceUnlimited

I don't understand the question. Are you asking if you already own VTI or VOO do you need to rebalance with just VT?

johnb111111

VT for long term?

__redruM

Passive index fund investing. At a risk level you’re comfortable with. VT to VTI to VOO to QQQ to SMH. But from each paycheck and hold for long periods, decades even.

RagnarokWolves

VT if you want to be a multi-millionaire in old age no matter what changes happen on the world stage, VOO if you're feeling frisky and want to go all-in on US companies.

schnoggly

VT gang

YouShallNotPass92

VT and chill is life

Imperial_Toast

You’re not as smart as you think you are. You can’t beat the market. You can’t time the market. Don’t overthink. Most people fret about VT vs VOO but it doesn’t really matter. A lot of people fret about saving 0.001% on an ETF fee but that doesn’t really matter either. What you SHOULD overthink is getting your income up. Invest in classes, schooling, certificates, business equipment etc to up your income. THAT is the biggest driver of wealth later, because you can’t generate a lot later without starting with a lot now. Put 80% in VT, VOO, or a target date fund and DO NOT TOUCH IT until your retirement age. Put at least 5% of every paycheck away for auto invest into that section of VT or VOO.

Vepos_

What are your thoughts on target date funds? They naturally have bonds that increase over time, so I was thinking maybe I should exchange VT for that since its essentially the same thing. For me it would VLXVX (The Vanguard 2065 Target Date fund). This way it would automatically adjust. The reason I haven't done it thus far is because it seems like they allocate too much to bonds in the long run. I believe at 60 they have a 50% bond allocation.

TreGet234

Have most of your money in something like VT with satellite allocations in gold and qqq. Have this in your bank or a seperate app. Never touch it or even look at it. Then make a fun account on a sketchy broker like robinhood. Start by investing in etfs instead of individual shares just to get a feel with relatively little risk. It will become clear to you that most of the growth is just coming from a handful of hype stocks. While those can fall just as quickly as they have risen, if you catch the wave you can make lots of money. Here is where options or leveraged etfs can make you good money, but be careful, if you invest at a peak (which can be after a parabolic blow off top) you can lose tons of money even with safe plays. This happened on october 31st, literally everything was at ATH, then everything came crashing down. That was just a little taste of what a major correction can look like. With options/leveraged etfs i would suggest broad semiconductors like ticker SMH (hard to predict which company will do well, the only constant is that nvidia will underperform), micron/sandisk/sk hynix/samsung/tsmc/asml individually, and gold/silver/copper/uranium miners. Tech/ai i wouldn't even touch right now. Space stonks work too (or jedi etf) or certain robotics companies like kraken or teradyne. Those all make 0 profits though so their growth is all hype and can pop very quickly.

Fubbalicious

Read “The Simple Path to Wealth” by JL Collins. It will change your relationship with money. It’s basically a how to guide to the /r/FIRE movement (financial independence, retire early). At 38, you have time to recover. Just keep saving and investing 15% (ideally 20%) of your income and invest in broad market index funds or ETFs. You can do the VOO or VTI and chill or if you want international exposure you can add VXUS or go completely VT and have both US and international in one ETF. A 15% rate of saving over 25 years should get you to 10x your gross income if we assume an inflation adjusted 7% ROI—this assumes 10% average growth less 3% inflation. With 10x your income saved plus social security and hopefully no debt and a paid or mostly paid off house, you’ll have a very nice retirement. If you’re a high income earner, you can accelerate this process or have a fatter retirement. What I like with index investing is you buy when the market is up or the market is down. You just keep buying and holding and ignore the noise and keep investing because it will take 20+ years before you’ve accumulated enough. Don’t get tempted to try to play catch-up. Bogleheads style index investing works as I and many others are proof of it. It’s not sexy and will get boring, but then you can use your energy towards creative endeavors versus chasing the thrill on individual stock investing.

RiffBeastx

Not for me, at least until I hit retirement age, and no more than 5% of my portfolio. VOO & VT are the acceleration and growth, JEPQ is a bit of coast, if you know what I mean.

blorg

VT is 62.5% US. https://investor.vanguard.com/investment-products/etfs/profile/vt#portfolio-composition

blorg

VT is 62.5% US. https://investor.vanguard.com/investment-products/etfs/profile/vt#portfolio-composition

Happy_Discussion_536

Jamie Dimon had a great solution. Cap interest at 10% as an experiment in MA and VT in Sanders and Warren's state. If it works well and not a disaster we can do it everywhere.

jemicarus

Easier that way, sure. But with so many easy low-cost ETF options available, why buy VT and effectively go overweight US mega-cap tech at these relatively high valuations? If the past holds, US indices are in for a lost decade.

RoverV

Not recommended. If you do choose to do this, just go VT.

Maggins

I would only ever recommend a family member have a portfolio of VOO/VTI and VXUS or just VT. As long as they don’t panic sell, that portfolio will grow. You don’t want to be responsible for them losing money if you’re wrong. Even if you make the right picks in this moment, do you want to be responsible for managing their portfolio forever?

wheres_my_hat

Yes I do know that, and I still buy VT

cherub_daemon

No universal answer to that, it depends on your conviction about what you're in now vs. what you want to be in. If you're convinced that VTI will beat what you're in now going forward, and you're extremely sure, sell. Don't let taxes wag the dog. If you want to sell slightly less, you could make a "synthetic" VTI by selling a fraction of your Big Tech holdings to buy mid cap and small cap indices. The argument here is that the large cap part of VTI is relatively well captured by your individual stocks, and you buy the indices for the rest of it. Then put your new money into VTI. If you want to sell even less, put new money into the small and mid caps to build the synthetic index, and only once you've built that does new money go to VTI. The synthetic VTI won't track perfectly, because while a decent fraction of the large cap index is captured by your holdings and other stocks correlated with them, it's not perfect. But if you're convinced your stocks are going to go down, and losing any of those gains is going to wound your soul, just sell, and buy VTI. (I'd actually argue for VT, but that's a whole other thing.)

amoorefan2

I’d buy into this logic on the way up but then when they decide to rug pull with puts, I’d get called in that… ima stick to VT and retire at 60…

Bubbly-Hope6968

Buy VT, keep buying VT. Give up on trying to outperform the market and enjoy the ride.

ProcedureOk8112

I've started buying VT in my Roth since it covers the world.

ban_dello

All four are in VT a decent amount. I was just wondering among the four if there are one or two that can be beneficial to overweight this year, or if it’s even worth it

RamCockUpMyAss

Europe had a good year but that is ironically only because of Trump. Otherwise the U.S. has out performed for at least the past 16 years. Europe has significant regulatory burdens and barely even has a tech center. The correct approach is VT and chill if you're trying to get full exposure. Dumping U.S. entirely is likely the dumbest thing you could do if you like money.

zarth109x

>Stock market is quickly becoming non investable Ignore the noise. DCA into VOO/VT/VXUS/Whatever every week regardless of the news

higgins9875

VT and chill. Never panic sell or rely on emotion

VerdantPathfinder

VT in my Roth (that's where I've been doing my direct stock trading ... not much money in there, comparatively). The real money is in my 401k-equivalents and I have some FZTKX (Fidelity Freedom 2050 Fund) which seems well diversified. The expense ratio is expensive, but I get a discount due to the retirement plan it's in.

9xD4aPHdEeb

VT is the world VOO is SPY (=USA) VT is more chill than VOO

I-STATE-FACTS

AI takes up a huge chunk of VT. Technology is some 30% and AI adjacent probebly some 20%

Purple-Commission-24

Dude VT and chill and the EU will likely give Greenland to US. I say this as a European.

Antaxas

The conservative, most diversified answer is then probably VT or VOO. They buy a little bit of everything. Means you should hold 5y+. And dont sell when it falls, in the longterm it should revert back to a mean profit of ~10% per year. Maybe buy in now, or maybe buy in in steps over the next weeks/months (costs you maybe some fees) Eventhough i feel like tensions with US get stronger, i also thought that in 2025, so nobody really knows when the bottom comes in. You wont get the perfect entry, you wont get the perfect stock pick, and you wont get the perfect profit, thats for sure.

EmployerSpirited3665

Yup. I woke up this morning thinking how do I hedge against the pedophile presidents senile decisions today… only to realize I already have by investing in VT , adding some VXUS a few months back and basically bailing on my US only etfs (outside of tech… they are essentially global companies at this point). 

GregorSamsanite

It's always been a good idea in theory to diversify with different countries. In recent history it's been punishing to hold non-US stocks given the US returns, but that hasn't always been the case in every window of time, and it isn't likely to always be the case in the future. It's best not to pay too much attention to the news, even when it seems obviously bad, but some diversification would be good regardless of the headlines. VT is a good option that's around 60% something percent US and 40% non-US stocks. It's equivalent to buying VTI + VXUS, and buying those two separately is also a popular option which gives you a little more flexibility on the ratio and slightly lower expense ratios. VTI is mostly the same thing as VOO, but it includes some small to medium cap stocks, not exclusively large caps, so it's slightly less heavily concentrated in Big Tech, though not by much.

VampireEmpire__

VT or VOO? People say different things 😔

carbsaredangerous

Chill and VT.

h2opolopunk

VT and chill, broski.

amanj41

VT and chill… and 0DTE

IdioticPrototype

Okay. VT and... done. 

_unfortuN8

Nothing is "immune" to drawdown from a crash except for cash/cash equivalents. But i'll sleep much better with all of my money in VT than in MSTR......

BitcoinMD

Good argument for having VT

Mdiddy7

The irony of this comment is even greater. It’s the standard distribution graph meme. Sure, maybe some idiots say VT and Chill. Then you have the try hard active investors who over the long run end up breaking even. But then many economists / high end finance professionals that aren’t looking to actively beat the market also align with total market theories.

Singularity-42

VT ETF. If you play all sides you always come out on top! 

EnthusiasmLow1279

Yeah, a lot of folks just parrot “VT and chill” without understanding the drivers. Conviction hits different when you actually know what you own.