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Vanguard Total World Stock Index Fund ETF Shares

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Reddit Posts

r/stocksSee Post

Getting into the market

r/investingSee Post

Is it ok to never have bonds if you start investing early?

r/StockMarketSee Post

HELP ON MUTUAL FUNDS

r/investingSee Post

Beware of Money Managers who Talk Like This

r/investingSee Post

VTI all the way? Or with SWYMX or SWTSX?

r/investingSee Post

I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though

r/investingSee Post

Riskier assets in IRA vs Roth?

r/investingSee Post

Trading stocks for Index funds within a ROTH IRA

r/investingSee Post

Would you jump into the market right now?

r/stocksSee Post

VT vs. combo of VTI and VXUS

r/investingSee Post

Low volatility factor investing is criminally underrated

r/investingSee Post

Should I cash out annuity and invest it?

r/investingSee Post

New Canadian Investor Here

r/stocksSee Post

Advice needed

r/investingSee Post

What is the quality of stock markets in other countries compared to US?

r/investingSee Post

401k plan options - leave TDF?

r/investingSee Post

Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)

r/investingSee Post

Is my portfolio made by my wealth manager too complicated?

r/stocksSee Post

Does it make sense to add individual brokerage account?

r/stocksSee Post

How to manage volatility.

r/investingSee Post

I am at a fork in the road help me choose

r/investingSee Post

Help me with Rollover allocation

r/investingSee Post

Are these good lump sum buy and holds? VOO, VTI & VT

r/StockMarketSee Post

"Entry" point for ETFs

r/investingSee Post

This is what I have been talking about here for awhile

r/investingSee Post

Going all in on Small Cap Value?

r/stocksSee Post

Ex-financials ETF or Gold

r/investingSee Post

Thoughts on transferring “all” of my savings into equities

r/investingSee Post

Long term ETF ideas for brokerage?

r/stocksSee Post

How should I invest to build wealth long-term in my early 20s?

r/investingSee Post

Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?

r/stocksSee Post

Would AVLV theoretically be any more profitable than a passively managed fund like VOO?

r/investingSee Post

Will there be a new World Order

r/investingSee Post

Understanding market growth

r/investingSee Post

Holdings in an HSA Account

r/investingSee Post

Roth IRA vs Taxable Account Holdings

r/investingSee Post

How much reasonable risk should I take on to maximize profit?

r/investingSee Post

22yo Roth IRA account investments

r/investingSee Post

what's the point of tlt if it's just as volatile as stocks

r/investingSee Post

I have a mental issue when benchmarking my portfolio - looking for advice.

r/wallstreetbetsSee Post

VTI vs VT

r/investingSee Post

Roth IRA portfolio - tips for a 22 year old

r/investingSee Post

30/20 Retirement Portfolio

r/investingSee Post

Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it

r/investingSee Post

Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.

r/investingSee Post

VT vs AOA ETF for rest of life?

r/investingSee Post

Reallocate more into international ETFs?

r/investingSee Post

Selling equities at a loss to pay for high interest mortgage

r/stocksSee Post

VTI and VT in same account?

r/investingSee Post

VTI + VT in same account?

r/investingSee Post

Does it ever make sense to have multiple brokerage accounts?

r/investingSee Post

Stuck with current employer's limited 401K fund offerings, looking for advice on distributions

r/stocksSee Post

Publix Stock and 401K

r/investingSee Post

Advice appreciated-2 questions

r/investingSee Post

What to do for Roth IRA that we haven’t touched

r/investingSee Post

Dividend ETFs or Individual Stocks

r/investingSee Post

Have money in both Sofi Auto Invest and VT via Fidelity. Should I consolidate?

r/investingSee Post

How to automatically invest my paycheck

r/investingSee Post

28yo, Is selling all my VGT and buying VT timing the market/performance chasing?

r/investingSee Post

Are my portfolios any good? 96% equities / 4% real estate

r/investingSee Post

"No more than 20% of one's stock portfolio should be allocated to foreign stocks? - Jack Bogle - Does this advice still ring true today?

r/investingSee Post

Better to Hold More Specialized Funds, or Big Generalized Funds?

r/investingSee Post

VOO, AVUV, AVDV, DGS, VEA

r/investingSee Post

Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.

r/investingSee Post

I just started putting money into a 401k. Where should I have that money invested?

r/investingSee Post

Anything I should be doing to be more aggressive with my VOO/VT portfolio?

r/investingSee Post

Why is the solar industry performing so poorly?

r/wallstreetbetsSee Post

My un-intelligent way to make bets, as of now

r/stocksSee Post

What Do I Diversify Into? (small $ monthly investments)

r/investingSee Post

Wanting to invest recent VA backpay - thoughts on how I'm proceeding about doing so

r/investingSee Post

Robinhood just upped APY to 4.9%

r/investingSee Post

VT vs VTWAX in Fidelity fractional shares

r/investingSee Post

Invest in VTI and other "feel good ETFs" if you want to make less money.

r/investingSee Post

Roth IRA Portfolios Question

r/investingSee Post

Thoughts on DCAing $2000/week into $VT

r/investingSee Post

Moving from Edward Jones.

r/investingSee Post

How long do you recommend paper trading before doing actual trades?

r/investingSee Post

Investing into leveraged portfolio

r/investingSee Post

Where would you put 500$ weekly?

r/investingSee Post

Your ETF portfolio for the next 30 years?

r/investingSee Post

Fidelity's Limited Automatic Investing Options vs Having More Accounts

r/stocksSee Post

My friend claims my method for investing may not be allowed, can anyone clear this up for me?

r/investingSee Post

Investments while at war in my 30s

r/wallstreetbetsSee Post

Investments while at war in my 30s

r/investingSee Post

How is my Vanguard performance returns negative, when my investments are in the green?

r/investingSee Post

Cash balance pension plan withdraw or let it sit?

r/investingSee Post

why do people act like if the markets are down over a decade or more the world will turn into the last of us

r/stocksSee Post

How safe are ETFs if broad index funds didn't exist?

r/investingSee Post

If safe ETFs broad market were an option - what would you chose?

r/optionsSee Post

Selling long dated deep ITM SPY or VT puts instead of holding shares.

r/wallstreetbetsSee Post

90% are in blue chip stocks and VOO/VT (~85%). Also new to investing RIP

r/stocksSee Post

Anyone invest in IOO vs VT?

r/investingSee Post

Looking for advice: Deploying Funds in the Market

r/StockMarketSee Post

Portfolio feedback PT 2

r/wallstreetbetsSee Post

Should I keep holding ENVX and buy the dip?

r/stocksSee Post

How should I approach everything.

r/wallstreetbetsSee Post

Steak (Live Cattle) hits an all time high.

r/investingSee Post

How should I (29M) start investing for my 2y/o?

r/stocksSee Post

Please don't crucify me.. What is the actual point of all of this?

r/investingSee Post

My Dividend Portfolio, 60 / 20 / 20 - VT / VIG / SCHD

Mentions

I actually have been researching the stocks I currently own. Each company in my portfolio that I chose, I analyzed based on financial health, growth potential, and sector of performance. I understand now that VTI, VOO, VT is good for diversification, but everyone has different strategies. That’s what I’m trying to learn ultimately, other people’s thoughts, experiences, and strategies

Mentions:#VTI#VOO#VT

Don't buy individual stocks if you do not know what you are doing, which you don't if you are asking people on Reddit. Stick with broad ETFs like VT, VTI or VOO

Mentions:#VT#VTI#VOO

Look for Ben Felix on YouTube. Find a tax professional, not a investment manager, and understand what options do you have to not overpay taxes and then invest in a broad passive total market index like VT or similar. Visit r/boggleheads to learn from people who are basically want to have the best balance between being exposed to stocks with the minimal risks of picking the wrong stocks or paying a lot of money for a professional do the job of picking the wrong stocks for you. Dear FAs who will be unhappy with my comment: unless you can prove that you generate a positive alpha for at least 95% of your client for at least 90% of the time, I am not interested in your theoretical arguments about how cool you look in a suit.

Mentions:#VT

Thanks for the advice! I’ll most likely get VT next month then due to its global market exposure. I have been doing a bit of research into those, so again, thank you!

Mentions:#VT

You have the soda market pretty well covered. In all seriousness, you have virtually no diversification. I’d highly recommend looking at index funds/ETFs, such as VTI or VT instead of individual stocks.

Mentions:#VTI#VT

Convert to VOO VTI or VT if taxes aren’t a concern

Mentions:#VOO#VTI#VT

I’m in Canada so I buy VEQT, which is equivalent of VT with some extra Canadian bias and QQQM for extra tech exposure.

Mentions:#VT#QQQM

I'm not, but I believe if anything huge happens to the US economy in the span of next 10+ years then VT would be a safer bet :)

Mentions:#VT

Id suggest searching g this sub and others like r/ETF for threads like VOO vs VTI vs VT or some form of that. Investing that much money id talk to an advisor too. There’s a lot of knowledgeable people on Reddit, but there’s a lot of BS to sort through too and it’s not always easy to tell which is what. VOO is S&P 500, VTI is the entire stock market, and VT is Total US and International stock markets. The safest possible answer you’ll get is put everything in VT to be split 60/40 between the entire US Stock Market and all International Stock Markets

Mentions:#VOO#VTI#VT

eh. im VT and chill so somewhat exposed to BTC via MSTR anyway.

Mentions:#VT#MSTR

I’d probably hold VTI + VXUS in taxable and VT in the Roth IRA to achieve the same diversification and returns; this eliminates the potential for wash sales in the Roth IRA.

Mentions:#VTI#VXUS#VT

1. There is nothing wrong with that! The thing is however VTI, VOO isn't always "up". Year over year it will go up but lets say if you needed the money and there was a serious down turn in the market, when you exited you could, lose out on a lot of money. Far less than many other stocks but still it could happen. In that regard, and to avoid any type of tax, it's better overall to purchase things you need with cash first. It's better to pay an expense out of your emergency fund or HYSA than to touch your VTI/ VOO. In the realm of long-term investing, waiting two weeks for your check to come in and investing in a new stock/ETF is a very short amount of time. But at this core selling the VTI core to pay for expenses, other stocks, etc, is what I have planned out, but I haven't needed to put it into practice yet. 2) No. VOO's is only concertred the top 500 companies in America. The SNP 500/ VOO Historically has earned more money than VTI and likely will earn more money in the future. However, because it's only 500 compared to 3500 of VTI in the short term, it can be volatile. For example, the VOO is concentrated in Tech as many tech companies are at the forefront of investing and the economy. Tech has its boom and bust periods, where there might a time were tech is overall overvaluated and the market crashes. The voo will crash with it. Now if you invested with VOO over 30 years this doesn't matter, but its scarier if you look at VOO over a year and crash happens. VTI is the broadest ETF you can have outside of VT (which is the total world market). There is only one factoid that is entirely true about the market: that overall, it will grow and make money. That is what VTI is all about, is that as long as the US economy, overall keep growing and making money you as well will make money with VTI. Now that stability starting out isn't that big of a deal for an early investor, I could toss 2k on a GameStop bet tomorrow, and it wouldn't affect me at all. But when you stop working, when you retire, retirees cannot even handle the volitlity of the 500. For good reason, they need to make rent payments, etc, reliably. VOO is a better investment starting off, and it will grow far larger than VTI. But having both is great as well: if VOO crashes, VTI is still there for you, for example. You can withdraw from VTI while VOO recovers. It's why many investors have both in their portfolios.

You mean VT, right?

Mentions:#VT

"she was frustrated that she had no gains at the end of April for the year." Is that sounds like a T-Bills lady? When people want to increase their portfolio, unless they have the desire to take responsibility for their decisions, and unless there is tax implications, the choice should be between VOO and VT. Everything else beggs the question: if you are so smart, why are you waisting your life NOT working for Citadel. And when they are ready to start burning their money, it's Treasuries or HYSA time.

Mentions:#VOO#VT#HYSA

Is it really important? After all, for most people, naked SPY or SPY + covered calls + protective puts is probably going to be the most simple, cheap, and reliable investing plan. You can replace SPY with VT to decrease risk even further.

Mentions:#SPY#VT

Push it all into VT, or VTI+VXUS. Lump-sum > DCA.

Mentions:#VT#VTI#VXUS

What is VT?

Mentions:#VT

Honestly, it's up to you, but Elon is a clown and futurism grifter, while simultaneously being the majority of the reason Tesla trades at a massive premium to other automakers... When his promises of FSD or Robot sex butlers on Mars inevitably fall through and get recognized, or if god forbid anything happen to him specifically, I don't see it being a good thing for the stock, but there might be some secular growth in the EV market of course. They don't have the same first mover advantage they used to. Who's to say. I'm not going to hold it, but I'm also not going to short it because I'm not a fortune teller. I can tell you that diversification is important, though. If you do sell, VTI/VXUS or VT is a great place to stash anything away for 25-40 years.. whatever you don't plan on gambling, that is. Congrats on the gains.

That depends on how many years it is intended to remain invested. Short term (<5 years) I would put in something like SGOV or a treasuries based money market fund like SNSXX for example. If long term (>5 years, ideally 10+) then a broad market index like VT, VTI, or SCHB for examples.

It's a fool's game trying to pick winners. VGT will do fine,VOO will also do fine. Personally I like VT (the whole world) but my wife loves growth and tech VUG/VGT. She's been killing me lately but who knows who wins 20 years out. What happens if tedh does another dot com burst?

Personally I do VT and VOO, but you do you. I don't like single stocks, too volatile for me. There is no ideal just whatever you can stomach long term. My wife does VGT and VUG so who knows!

Very impressed with the recent rally in $UI. +37% in the last month. (My cost basis is 116) The worst is over in the entire sector it looks like. Last quarter all its peers reported yet another QoQ sequential decline in growth, while UI posted 6% QoQ growth. --- Also, as I may have mentioned before, I track my portfolio (retirement + non-retirement) pretty closely, and simulate investing in the S&P 500 or QQQ for example (at the exact dates that I deposited funds). It's interesting because now I can quantify how much diversification (and active management of stocks) is costing (or helping) me in the short run. My portfolio is 30% ex-US indices and so long as those trail US markets, it will be very difficult for my relatively small individual weighted stocks to lift me above the S&P 500. I have roughly 30% of my portfolio in individual stocks last I checked. I'm taking a one-time difference (not annualized): - 2.8% penalty relative to the S&P 500 (total return) since inception. - 1.6% penalty for the NASDAQ (just price return though, so let's just call it 2.5% to account for dividends--my portfolio was much smaller initially so those early dividends hardly affect much). - 2.1% gain relative to 80% VTI / 20% VXUS (but again no dividends, so let's just say I'm beating it by 1%). - 5.4% gain relative to VT (no dividends) Is it worth it? I'm basically losing out on a one-time amount of about $2-3K since inception in 2021 by not just doing 100% VOO, and in return my portfolio is diversified across the world and tilting smaller cap value stocks (which reduce overall correlation to S&P 500). I still think it is worth it. I was worried the cost would be much worse. If I just went all in on VT (0 work), it'd probably be a $6-7K difference after accounting for dividends. Or closer to $9K difference relative to S&P 500. That would probably have bothered me a lot more... (For context, portfolio value is in the $140K-$150K range)

VT and chill

Mentions:#VT

https://www.reddit.com/r/Bogleheads is the sub you are looking for friend. Whole market funds VT (world) or VTI (US) with 10-40% in bonds depending on age and target retirement date. set it and forget it. if the world economy bottoms out then you won't need to worry about retirement accounts, anyway.

Mentions:#VT#VTI

I think this would depends on what you are saving for , if you need money somewhat soon then you want something cash like tbills/USFR/CD/HYSA/MMF all satisfy that requirement as it would be nearly impossible for those to lose money. I personally prefer USFR for money you need somewhat soon. If you want to save for retirement I would think about trying to put the money into tax deferred accounts 401k/IRA/HSA/ or something like that. I probably would start with something simple like a well diversified option like TDF/static asset allocation / VT that will give you exposure almost every stock out there.

Nothing wrong with an all-world ETF like VT in a tax-advantaged account. In taxable accounts (for US investors) the best practice is to hold separate US and ex-US funds so that you can claim the Foreign Tax Credit for your gains on VXUS. Plus, keeping them separate allows for easier tax-loss harvesting, since there are so few all-world funds. I’m planning on [investing for seven generations](https://jlcollinsnh.com/2019/03/03/stocks-part-xxxv-investing-for-seven-generations/), and I don’t want to have to realize capital gains (or have my heirs realize those gains) on VT when the time comes that everything is in a taxable trust account. Hence, VTI + VXUS the entire way.

Mentions:#VT#VXUS#VTI

VT, the total world ETF is up 13.67 % annualized from may 2020 till now. 10K turned into 16,693, assuming dividends reinvested and ignoring Tax drag... You have a really expensive hobby.

Mentions:#VT

I know this sub is humor/satire, but gambling in your Roth IRA is an extremely stupid, short-sighted decision. 1) The tax situation cuts both ways: When you go and lose your savings on some regarded option play, you won't be able to deduct those losses. You also can't just go and replace the cost basis beyond the annual maximum contribution. 2) Don't underestimate long-term compounding. If you max your IRA each year and put it all into stocks like VOO and VT, you might have a decent retirement fund by the end of a career.

Mentions:#VOO#VT

VT has everything.

Mentions:#VT

I like 50-50 VT and SCHD for balance growth & income.

Mentions:#VT#SCHD

buy puts on VT, bet you wont!

Mentions:#VT

VTI + VXUS > VT in a taxable account due to the Foreign Tax Credit for VXUS.

Mentions:#VTI#VXUS#VT

Or even better: VT.

Mentions:#VT

Keep it simple. VOO is all the big companies. VTI is all the US companies. VT is the whole world market. Take your pick, i like to do like 80% VOO and throw the remainder at some others

Mentions:#VOO#VTI#VT

OP. This is the way. It’s not exciting but many believe this is the best way. It appears from your holdings that you are younger. If you are fortunate to have a job with a 401k now or in the future, max that thing out every year. Even if you don’t have 401k max out a Roth IRA every year. As long as you are over 18 you can start that now. VOO, VTI and VT are solid. If you are interested in investing and not just trading you should check out r/Bogleheads. I am 49 and set to retire comfortably by 60 using this methodology.

Mentions:#VOO#VTI#VT

What's in those aggressive portfolio's? Seems like you like the growth, but can't afford tot loose a large chunck. Keep it simple, diversify well. Something like max 80% in a broad index fund ( VT/VTI/VOO) and 20% in bonds (agg) could be a good starting Point.

Mentions:#VT#VTI#VOO

Secondary benefit of ETFs as someone just starting out is you don't really need to know a lot - keep the expense ratio low, keep the exposure broad. VT, VTI, VOO, etc

Mentions:#VT#VTI#VOO

Broad funds like VT, VTI, and VOO don’t require extra analysis. Choosing those could be thought of as investing in the market, itself. If I were to go with a more narrow fund, I would look at the prospectus, current holdings & weight, and historical performance. I’d also look at each of the top holdings on an individual basis. As a consideration within historical performance, I’d look at drawdowns and how the fund has moved in relation to the S&P 500. Although past performance isn’t a *perfect* predictor of future performance, some funds’ prospectus and historical chart can inform you how the fund is likely to perform in certain sets of market conditions. That’s useful to consider to put the fund in context as a component of a portfolio.

Mentions:#VT#VTI#VOO

I like 50-50 VT and SCHD after trying a ton of weird stuff

Mentions:#VT#SCHD

I do 50-50 VT & SCHD for full market & income

Mentions:#VT#SCHD

Assuming he's real.... ... I think the best advice would be to take ***HALF*** of it and put it into VT or VTI ... ... and satisfy his gambling urges with the other half. * If he keeps winning somehow -- good for him. * If he loses the half he gambles -- it'll teach him the lesson in a way he can understand, and he'll still have half.

Mentions:#VT#VTI

some of you should consider buying VT stock

Mentions:#VT

Buy VT with it and end it there. You lucky bastard.

Mentions:#VT

VOO, VT or another broad market etf. Good on you for getting started!

Mentions:#VOO#VT

You just got hooked on the high… Don’t give in to it. VT and chill.

Mentions:#VT

You a couple of options with your IRA. First option is to leave the money in John Hancock and invest it within their platform. Second option is transfer the money to another broker (i.e., fidelity, robinhood, etc.). If the money is in a roth ira at John Hancock you can transfer it to another roth ira account at a different broker. Same thing if its a traditional ira, you can transfer it to another tranditional ira account. John Hancock might have a transfer fee, but many brokers will refund you the transfer fee if you are transfer into them (Robin hood offers 100 and i think they are also currently offering a 1% match bonus on IRAs you transfer in, but just read-up on the pros/cons with using robinhood. Some people will be turned off by them). The reason you might want to transfer outside from John Hancock depends on what they will allow to invest that money. Look for low cost etfs like VOO, VTI, VT, etc. You have prob ~30 years to retirement and those etfs will average you about 8-10% a year over time. Also if John Hancock charges you a maintenance fee i would get out as plenty of brokers offer IRA accounts without fees. Fees will eat up your gains. As for contributing to grow your money, one thing i will say is focus on your debt first. If the debt interest rate is above the 8-10% average rate of return from the sp500 focus on paying off the debt first. Once debt free you can contribute to your IRA hard. If its below, contribute manageable amounts to your IRA while also paying off the debt.

Mentions:#VOO#VTI#VT

Agree. They'll probably be close to a million after taxes. If they can invest it in VTI or VT, they'll have $2M in a decade without touching it. Probably should save a little extra too because that's only $70k/yr on a 3.5% SWR which is probably what should be used given how young they'd be.

Mentions:#VTI#VT

The ER difference between VT vs. VTI + VXUS is irrelevant. The two reasons to hold VTI + VXUS would be (1) if you desire a different allocation than VT or (2) you're holding these funds in a taxable brokerage account, in which case VXUS allows you to file for the Foreign Tax Credit.

Mentions:#VT#VTI#VXUS

I’m a fan of 50-50 VT & SCHD. If I were you probably would add some SHY as well.

Mentions:#VT#SCHD#SHY

Throw all 25k into VT or VTI or VOO and don't touch it.

Mentions:#VT#VTI#VOO

welp it was fun back to my VT and VTI where I belong

Mentions:#VT#VTI

For now the expense ratio seems to favor VTI + VXUS over VT by a small margin. It seems like the 0.03 * .65 + 0.08 * .35 < 0.05.

Mentions:#VTI#VXUS#VT

Go to APMEX website, click sell, send it to them, receive cash. Go to Vanguard. Buy VT with it.

Mentions:#VT

ETFs are tax efficient. I’d recommend viewing your entire portfolio as a whole. If you choose VTI + VXUS vs VT you’ll get a foreign tax credit.

Mentions:#VTI#VXUS#VT

> Something interesting is that VTI has an expense ratio of 0.03%, VT has 0.05% and VXUS has 0.08%. Yup, they're all super cheap. > The one nice thing about VT is that once you put money into it, it will automatically rebalance your US vs XUS stocks based on global market cap over time. > It looks like if you manually match VT today with a combo of VTI and VXUS's 65-35 split you get slightly cheaper expense ratio, but if you're trying to manually match you're going to have to sell and rebalance yourself at all times. VT doesn't really need to rebalance because it'll capture the market weight changes. If US market weight grows (as it has been), then it's proportion grows in VT and there's no need to rebalance anything. Arguably this is also true if you're always buying VTI and VXUS at whatever the market cap ratio is at the time.

Mentions:#VTI#VT#VXUS

Something interesting is that VTI has an expense ratio of 0.03%, VT has 0.05% and VXUS has 0.08%. The one nice thing about VT is that once you put money into it, it will automatically rebalance your US vs XUS stocks based on global market cap over time. It looks like if you manually match VT today with a combo of VTI and VXUS's 65-35 split you get slightly cheaper expense ratio, but if you're trying to manually match you're going to have to sell and rebalance yourself at all times.

Mentions:#VTI#VT#VXUS

I did 50-50 VT and SCHD. Growth/International & Boomer stocks/Income generation.

Mentions:#VT#SCHD

Yeah, that’s the answer to your question. Some people like to overweight or tilt specific parts of the market. But if you’re comfortable with market weights (and why wouldn’t you be), then 100% VT is totally fine.

Mentions:#VT

S&P 500 GBP - up 55.25% L&G Global Technology- up 32.31% Microsoft - up 32.14% NVIDIA- up 224.61% VT AJ Bell Global Growth up 12.28% WisdomTree Art Intelligence up 32.28% Gold - up 28.87% Total: C: 8078.39 V: 13666.00 up 69.17%

Mentions:#VT

I’ve held VTI and VT for a while and always regret the 35% of VT “total world index” that is overseas. Like doesn’t the rest of the world do anything or create any value?

Mentions:#VTI#VT

Can yall bid up $VT? Thanks

Mentions:#VT

I'm also Italian, so perhaps I can give you a few practical suggestions (aside from the more general ones that you already received from others): * In Italy, we can only invest in UCITS-compliant funds. This means that many of the ETFs people will most talk about on reddit (VT, VTI, VOO, etcetera) are off-limits for you. There are funds that are roughly equivalent to them that you *can* buy (e.g. VT = VWCE, more or less) - unfortunately, they tend to have somewhat higher expense ratios, but that's life. * Taxation is 26% on capital gains (whenever you sell shares) and dividends, plus a 0.2% 'bollo' on the total value of that you have to pay every year (usually in four parts, every three months). Some brokers will do all of that for you (but they are usually a little more expensive in terms of transaction costs and so forth); others don't, but then you have to do it all yourself. * The currently most popular brokers that take care of taxes for you are Directa and Fineco. If I remember correctly, Fineco is particularly cheap for younger people - I don't remember the current fees and conditions, but it might be worth a look. * If you haven't seen it already, /r/ItaliaPersonalFinance might be useful to you. Overall, I think it's a pretty good community - I cannot say I always agree with its most popular views, and some common discussion topics are IMO downright silly (not that r/investing is any different in this...), but when it comes to practical investing details it is quite reliable. * I am not sure that, at 19, it makes sense to start a very long-term investing plan of the sort you describe. Quite understandably, there's much that is still uncertain about your future career and expenses and so forth, and perhaps you might need that money much sooner than you know. Personally, I think that these investment strategies make much more sense for, let's say, a 25 years old with a permanent job they quite like and expect to keep for the next 30 years than for a 19 years old, and that a more conservative portfolio might be more suitable for you; but of course I don't know your personal situation, so this is for you to judge. * As others have commented, even for a very aggressive 100% stocks portfolio a 9-10% return *after inflation* is quite optimistic, and I certainly wouldn't want to *bet* on it happening. Also, 300k is a respectable chunk of money, but not really enough to live off its profits unless you are willing to be **really** frugal. Realistically, you might hope to draw perhaps 750/1000 EUR/month from that (the upper bound is pushing it already): a single person could live off it, but only if they are OK with moving somewhere cheap and being a lot more frugal than most people would enjoy (for example, forget about eating out, even in cheaper places).

Mentions:#VT#VTI#VOO

Would it make sense to put in VT, as well as VOO?

Mentions:#VT#VOO

I agree with the /r/Bogleheads suggestion, but VTI is not really available for most Italian investors (who can only buy ETFs that comply with UCITS regulations). The most popular global stock ETF is VWCE (it's roughly similar to VT); but I wouldn't recommend OP to 'VWCE and chill' yet, not before taking some time to study and think their asset allocation through.

Mentions:#VTI#VT

This question has been asked 100 million times. Just pick VTI or VT. Do what you want.

Mentions:#VTI#VT

Just buy VT and let the market and professionals handle it…

Mentions:#VT

I do VOO and VT, 1k a month. Done and done.

Mentions:#VOO#VT

KG and VT so fukd. ![img](emote|t5_2th52|4271)![img](emote|t5_2th52|4271)![img](emote|t5_2th52|4271)

Mentions:#VT

VIX index is up 6.37% pre-market (7.23% YTD), Dollar index (UUP) had back to it's stonky ride, and VT is sticky around 109 for the third month in the row. Poor's people goodfeels are in a danger zone before falling (eg, MCD, SRB). We are not fine. US economy is amazing but so are the challanges it faces.

Mentions:#UUP#VT#MCD

Not sure why you are being down voted for asking an honest question. Basically VT contains all the ETF's you listed and is a much more simple buy. Don't try to get fancy, keep it simple and buy the entire market. Thats what VT is.

Mentions:#VT

Lump Sum beats DCA 66% of the time. DCA is psychologically easier for some people. Just make it a diversified ETF (VTI, VT or equivalent) and there's nothing to worry about as long as you're investing long term. If you're investing for the next 5 years or less then volatility can be an issue.

Mentions:#VTI#VT

Sorry for your loss. Not sure what liquidate means, I am assuming you want to withdraw it all now. What is your income? If you expecting your income to really rise in the future you may want to take it all out now. Otherwise you may just want to take it out slowly (after you pay off the credit cards, which you definitely should do), like a 10th of a year at a time and let the gains accumulate mostly tax free in that account. You can do an inkind transfer to Vanguard or Fidelity. Ask the Edward Jones about fees for this. If they recommend active funds for you, run. What I would is keep the money in VT in the retirement account and slowly shift/sell the money in that inherited IRA into a Roth IRA or a 401k to minimize taxes on future gains. You can also invest in education accounts for your kids. https://www.fidelity.com/learning-center/personal-finance/college-planning/abcs-of-college-savings-plans https://www.fidelity.com/learning-center/life-events/types-of-college-savings-accounts https://www.schwab.com/educational-savings-account https://www.lordabbett.com/en-us/financial-advisor/insights/retirement-planning/important-information-on-529-to-roth-ira-rollovers.html If you are scared of the market please use a HYSA or Vanguard's/Fidelity's money market. https://advisors.vanguard.com/investments/products/vmfxx/vanguard-federal-money-market-fund#overview These money markets invest in federal bonds so they are partially state income tax exempt.

Mentions:#VT#HYSA

Pay off cc debt, fix your spending issues, max your ROTH, and put the rest in VT. Don’t touch it, don’t sell it, don’t use it to spend on yourself. Your 60 year old self will thank you.

Mentions:#VT

> but the boys over at r/ETFs say stay away from it. Well, a lot of them are just chasing recent performance, so... > So what is it about it that you like? You're not trying to pick winners and losers because most of the time you'll try that you'll end up underperforming. With VT you're just buying the entire market. And that's a good thing.

Mentions:#VT

As far as VT, I'm pretty new this whole thing but the boys over at r/ETFs say stay away from it. So what is it about it that you like?

Mentions:#VT

> I'm planning on throwing $20,000 into ETFs-7500 VOO, 5000 SOXX, 2000 SCHD, 1500 QTUM, 1500 PAVE, 1500 COWZ, 1000 HFXI-$10,000 Ok, you *could* do this. Or you could just make your life easy and put 100% into VT which includes all the stocks included in the above ETF. > $10,000 in long-hold stocks like Microsoft, Google, Apple, Meta, etc. Don't do that. > and $10,000 in CDs Why would you do that

VT

Mentions:#VT

you got your tickers mixed up. That said, choose VTI (or VT if you want global exposure). Or combine VTI with VXUS and you can customize your global exposure to your liking, and it will be a little bit cheaper overall. Simple as that.

Mentions:#VTI#VT#VXUS

The TDF is fine. The major complaints I have with TDFs are generally the expense ratio and overly aggressive glide paths. I think it's OK to hold all equities in a Roth IRA for a very long time or indefinitely. Fixed income is generally better off in pre-tax accounts. Something like VT is another decent option. It will pretty much give you the equity portion of the TDF, assuming it's market cap weighted. You could also spin a two fund US and ex-US if you really want a bias. Anything past that starts getting into the weeds, and you really need to know what you're doing.

Mentions:#TDF#VT

Are you US-based? I think 60/40 is about what VT has but I personally bounce between 25-30% international. I'm sure there will be a few in here shortly to call you an idiot for having any international at all though.

Mentions:#VT

VOO/VT/VONG makes up the majority of my portfolios. Qualcomm is my largest held individual stock at about 10% (of my taxable brokerage. Roth and 401k are all TDFs, ETFs, Bonds, and Tbils. Wanted to get in the semiconductor sector but missed the NVDA train. Qualcom has treated me alright. Making a small Helium play with Pulsar that I'm kinda excited about. They just discovered a massive helium reserve in northern Minnesota that has purity percentages insanely higher than they've ever seen. Once they tap the well, I'm hoping for some big jumps in the stock price.

r/stocksSee Comment

VT. By far my largest position, about 80% of my holdings.

Mentions:#VT
r/stocksSee Comment

VT is by far my largest position.

Mentions:#VT