VT

blorg

It is ranked by free float (albeit with a multiplier), and they only floated around 4% of the company. 4% of $2tn is $80bn, and NASDAQ-100 multiplies that number by 3, so it will be treated as having a market cap around $240bn. That puts it at around 0.92%, or between KLA Corporation and Netflix, at position 21. It could be a bit higher or lower than that but it won't be #4 or #5 because it's not a straight market cap weight. Other indexes like the total US market and total world, just rank it by the free float, so it's treated as a $80bn company. That puts it around Chipotle or Target level in VT/VRWP or VTI. It will work out around 0.12% of VT.

CD274

All non wsb subs except the options, daytrading and theta gang subs are like this. The etf sub is useless and dells everyone to VT and chill. The dividend sub worships a handful of covered call ETFs etc.

Disheveled_Politico

Generally you aren’t going to beat the SP500 as a retail investor. You’re trading against people who do it professionally, algorithm trading, and you generally know less than the market.  At least for me personally, I put more into my account if I’m actively managing some of it. So I put a lot into VOO and VT because that’s objectively smarter. I put a smaller amount into Google and Amazon because they’re going nowhere and are great companies. And then yeah, I bought Take Two (the GTA stock) and the biotech stock SLS that’s been ascendent, and a couple of things that I think are going to happen.  But, the market knows that those stocks have potential. That’s already baked into the price. If GTA 6 gets delayed or the initial reviews aren’t stellar or whatever, the price will drop and if they can’t monetize it as well as predicted, it will drop, because it’s already predicted to be wildly successful.  And look, a lot of stocks still go up over time. Take Two (for example) would have beaten the SP500-based VOO over the last 10 years, but would have been beaten badly just over the last 5. You’re taking on a much greater risk even with companies that keep growing, because they might not grow as fast as the rest of the market and it’s impossible to time. And whereas if a company as part of an ETF drops, you’re somewhat protected by rebalancing, but if that’s your stock you either sell at a loss or lose years of compounding as you wait for it to rebound. 

greenpride32

VXUS has pretty poor track record compared to VTI. I had to read so many times in past year how VXUS is beating VTI in short term, and now 1 year return is not much different. Now zoom out to 5/10/15/20/25. High growth larger/mega caps are concentrated in the US market - because US has both largest economy and largest flows of investment capital - it's very difficult to break this cycle. World or ex-US ETF is then watered down with slower growing and more mature companies. Just compare VTI with VT to see that. Are you trying to win the prize for being more diversified, or trying to grow your net worth?

BigBellyBurgerBoi

For awhile I had a whole convoluted portfolio with like 18 ETFs. Had some AI and tech stuff all growth. Find VTI and VXUS keep it simple. I’d go VT but that’s no fun

Riotroom

Build the habit now and invest every paycheck.  Literally $VT is the whole world and US market trading around $155 each. Buy a share twice a month or after every paycheck and it's a solid 20% savings rate. In five years you'll have put in 24k yourself but it is likely to average +10% a year to 30k. It might have a real good or bad year between now and then. But the gains each month should The real magic happens when compounding can really take effect. At ten years if you keep buying a whole share every paycheck you're likely to have invested 64k over ten years but those 240 shares are worth 100k (Each $155 share today will likely be worth $418 then). If it's a u.s. retirement account you can pull your initial investment of 64k for a house down payment. There is risk involved, but low maintenance fees and historically +10% returns. For low risk you can park it in a high yield savings account and collect intrest, right now some banks are offering 4-5% a year which isn't great but it is better then sitting in a sock drawer. And all of it is available when you want it which is good or bad. If for whatever reason you decide to stop buying ten years from now, but hold the 240 shares you accumulated between now and then, in twenty years your 64k invested could be worth 270k, and in thirty years 740k, and forty years 2M. Roughly the purchasing power of today's 150k, 300k and 600k respectively.

Specific_Dot1188

25-50% VT Rest into hysa

Lazy-Industry2136

What caused that move? I noticed in in VT also.

mylord420

Good thing nasdaq isnt the market then. How long did the equivalent of VT take to break even?

Specialist_Talk6

Can I ask why 3 years? At your age, saving for retirement is a superpower. Since you have so much time for compound growth, I’d suggest opening a Roth IRA (a post tax retirement account) and investing in a good index fund (either VOO for S&P 500 or VT for total global stock market).

JoeRidesBikes

100% into an HYSA until you have $5000 saved up as an emergency fund. What are your plans for the money in 3 years? If it's for a big purchase, don't invest any of it, just put all your money into your HYSA. If you are investing for retirement (40 years out), then keep it really simple, one ETF, $VT would by a great choice.

blorg

It's weighted by free float and they only floated about 4% of the company. It works out more like 0.12%, as in Space X will be 0.12% of VT or VWRP when it gets added. It's way way down, due to the very small float. And that's the entire position, it's not like it's going to go to zero the morning it gets into the index. I do think it's bullshit but it's going to be a very small slice of a global ETF.

jadedunionoperator

That's why I use it. At the time i started it was about 2 extra shars of VT per year in my retirement from the match. I use their gold membership for a hysa, card cash back for money in said accounts too.

SandIntelligent247

Doesnt need to be a bet. Can just be VT and chill at that rate.

Powerful-Load-4684

You are brain rot. Over a 30 year period there is no better option than a diversified ETF like VT

InvestingNerd2020

Even VT is doing well over the past few years. Since January 2020 and ending in May 2026 with DCA, it is producing 16.5% per year.

TreGet234

Use margin to buy more VT. Possibly buy 1.25x leveraged VT. (Maybe do wait for a crash until doing that) Also look at gold and btc/blockchain at current lows.

razullinky

34, 380k net worth and continually underperform spy. Lost $10k trading today. I need to improve my relationship with my money. I deactivated margin and will be letting it sit in VT moving onwards.  Boring, but I can't trust myself to not blow it up. Hoping for brighter days ahead

smalltalk2k

Ouch  Time to buy and hold VT

NineSidedBox

Already bought VOO, VT, SCHD and DRAM premarket.

IBangTokyoWife

10% of each paycheque to VT and stop thinking about it

ceilidhfling

May I interest you in some VT and chill? also automate the investment and don't look at it like for 20 years.

Various_Couple_764

What you should do I open a taxable brokerage account and invest in QQQI and turnoff dividned reinvestment. It is not growth fund like VT. QQQI produces dividend which are cash profit-sharing payments directly to you. With automatic dividned reinvestment turned off these cash dividend will go into a money market fund. When there is enough cash in the account you can buy a car. 4 years of saving 1000K a month in QQQI will generate 7K a year or about $583 a mont of income. If you keep you investment going into VT for retirment in a retirment account. and then open a taxable brokerage account in invest in QQQI The retirment account if for the future when taxable brokerage is for now. Over time you can build up a passive income stream in the taxable account that can exceed the ammount of money you can get from side gigs. And it could eventually exceed your work inocme. You can keep some the cash for emergencies , cover you montly bills (utility bills, mortgage, rent, or car replacement and operating andmaintnence costs.

humdinger44

VT and chill

clingbat

I was going to buy a bunch of Intel right before it blew up but couldn't look past the 20 years of stock fail, my loss. In the end I don't give a shit though. Most of our investments are in VOO/VT like a boring risk averse loser and we keep pulling in steady gains over time.

cowboynude

You’re being pedantic. Obviously “the market” could mean things other than stocks. It could refer to bonds. Or bananas. Or Fentanyl. Or the human kidney market. So yes, sure, VT does not include bonds. But it also doesn’t include crypto or gold or bananas or fentanyl. Point being, it was pretty darn obvious in the context of this conversation, OP saying VOO was the market, that I was pointing out that VT was “the market” of stocks compared to VOO. Pointing out that VT is not actually the market over VOO even though it does hold all stock in the market because it doesn’t also hold every other thing traded on planet earth is pedantic and attention seeking. Everybody knows VT only has stocks and does not invest in, say, bonds, gold, crypto, futures, commodities, etc. All you did was point out the obvious. Like if someone said a car was a Toyota and I said no, it’s a Ford. And then you clarified it was a Ford *car* as opposed to a Ford *grandfather clock*. Like dude we were obviously talking about cars, not clocks. You’re being pedantic.

CustomerSingle3173

I just opened my brokerage account in late February of this year. I only have shares of XLI, VT, DRAM, AMD, and RIVN.

We_DemBoys

We don't need lucky stocks picks when VT and chill is available. No luck ever ever ever, just steady automatic contributions for a couple of decades. Increase those contributions each year instead of buying more stupid $hit!

EpicDOgeMC

You're using a much broader definition of "the market" than most investors do. In investing discussions, "the market" almost always means publicly traded equities, and VT is about as close to owning that market as you can get.

EpicDOgeMC

VT is the public market, it encompasses all?

Specific-Midnight644

No VT is not the market either. Even that is still a part of the market. But it doesn’t encompass all markets either

cowboynude

VOO is not the market. VOO is a specific list of 500 American companies. VT is the market.

princemousey1

Why not just VT?

FlakyEducation3469

I'm a beginner investor so this is really a question and not some sort of shade. I've only invested in QQQM and VT for the past few years. But I see the momentum with MU, SNDK (and other AI stack) plays. For the past 3-4 months I've been redirecting my monthly investment into MU and SNDK just to see how it plays out. I made a good sized gain. When people say, invest in S&P 500, how do you decide to stay out of momentum swings, especially if it seems like a good entry point?

quantumlyregarded

 Not illegal in VT as long as you leave your house naked. 

TreGet234

VT isn't up that much more though.

cowboynude

Don’t beat the market. Be the market. Buy VT.

digital_tuna

VT and chill

crazybutthole

Everyone is giving you shit for having a bunch of different funds. I would say make an excel doc and put it in for the past 12 months and compare performance to VT only Do the same for the past 24 months. Leave it as is for now and check it in six months. And see if your crazy portfolio is beating VT only. If not - just switch it to VT only. It's ok - relax. You got 4-5 years to figure it out and if you get 42% vice 43% it won't be much different in the big scheme of things.

xoirh4-u238

Thanks for the explanation on VT — seems like I had a misconception of what it tracks. I’ll look into it.

DaemonTargaryen2024

Just buy the world market: VT

Zyltris

VT tracks the FTSE Global All Cap Index, which does include VTI, but also VXUS. If you want to stock pick, time the market, what have you, sure, but diversification is your only free lunch in investing. If you want to protect yourself from a drawdown you can’t predict, diversification is the only sensible way to do so.

Zyltris

VT and chill

markov-271828

100% VT would be much easier.

leaning_on_a_wheel

It’s fine but over complicated. You could just buy 100% VT instead of this. And reconsider using LLMs for advice like this

Putrid_Pollution3455

I see a double top on the one year chart on VT. A few of my friends got laid off or quiet fired via massive hour reductions. 34% chance of rate hike in 35 days. If you’re prepared, it’ll always be a good time; if I got laid off from one of my jobs it would be a welcome reprieve cause I’m exhausted.

IndexFundPhil

Sell and simplify. If you wouldnt buy gold with cash today, holding inherited coins is just complexity for no reason. VT has historically outperformed over any 10+ year window, and you avoid the dealer spread whenever you change your mind.

charlies_brain

You left out all the key info like, age, salary, savings rate, tax rates, what account you have access to (401k/457b/403b) and their caps and if they are ROTH vs Tax deferred ..... 100% VT is the allocation for stock. You need to hold cash or Tbills for the short term. [bogleheads.org](http://bogleheads.org) is a great start but the old fart aholes on the forums are a PITA. They are all "get off my lawn" type people, but read the threads and their wiki diligently and you will learn a lot.

ThirstyWolfSpider

Yet you only lost that 25% if you kept your assets in cash, which no one should do. [VT](https://finance.yahoo.com/quote/VT/), just as an arbitrary broad-market example, grew by 105% while the dollar lost 25%. 2.05\*0.75 still gives you a 54% gain (6.34%/year) in real terms.

Due_Zookeepergame486

At this point, just VOO/VT and chill. You will be much happier. Trust me

BeuTaude588

allocation looks reasonable for the timeframe. the one thing I would revisit is whether you actually need a separate international fund if VT is already global by weight; you end up doubling down on international tilt in a way that only makes sense if you have a deliberate view on it.

zachmoe

[https://www.youtube.com/watch?v=fS2qS85Ru9I](https://www.youtube.com/watch?v=fS2qS85Ru9I) I would do something more like. 30% TFLO 20% TLT 33% VT 15% IAU 2% BTC

empiredude

I’d focus on amassing your first $100k in VOO, VTI or VT. I like VTI personally. Once you get there, you’ll have a good sized chunk working for you every year. I think at that point you could continue with VTI - but feel free to cross that bridge when you get there. SCHD is inefficient use of capital in my opinion. I’d avoid it.

arcanition

The short answer (from my personal experience of doing that over the past decade) is: you can, but it likely won't have a overall positive benefit on your portfolio return, and can actually hurt. Instead of trying to manually balance your portfolio by collecting individual sector ETFs (which often leads to overlapping, inefficient, or poorly optimized weightings), it is much cleaner and more effective to just buy the entire market via broad index funds. Broad index funds already contain the optimal, market-cap-weighted amount of technology, defensive stocks, and dividends automatically. That includes sectors such as "technology" (VGT). Easiest to stick to overall index funds (VOO for S&P500, VTI for broader US market, VT for even broader world market).

therealjerseytom

No such thing as being "behind." Everyone is running their own race, and everyone's life has curveballs. Anyway - how convinced are you that US stocks are going to solidly outperform the rest of the world for the foreseeable future? Or the tech center specifically for that matter. Being real here, the amount you can contribute is going to be doing all the lifting for like the next decade. Just pick something simple, either all-world (VT) or all-US (VTI), and keep shoveling as much as you can in it. You can worry about a more specific breakdown 5-10 years from now.

Legitimate-Chance389

27m I wouldn't become a victim of analysis paralysis. Buy a globally diversified, all cap, market cap weighted, low expense ratio index fund. Bubbles will form, bubbles will pop, markets will crash. Treat it as a buying opportunity. Buy when there's blood on the streets. Never sell until retirement. VT & Chill Increase your income. Reduce / eliminate your expenses. The money you invest now is far more important than the money you invest 10, 20 or 30 years from now. Let compounding do the heavy lifting. Avoid overcomplicating and overreacting. The two hardest things for most investors to do.

Background_Basil_431

Start with the fact they aren’t the largest VT company anymore. Kone surpassed them when the bought TKE.

attanasio666

> If you have a well diversified portfolio, you would likely not be down more than 1% today. I get your whole message but VT is down 2% today.

Sufficient-Flan1565

(110 - x)% in VT and (x - 10)% in BNDW with quarterly rebalancing and dividends reinvested. Where x is your age. That’s all you need!

floatingostrichs

Stupid. Buy VTI or VT and hold.

luckysharms93

Literally just start buying some VT

VampireEmpire__

I’m invested solely in VT and am shocked I’m only down $500 when the NASDAQ And S&P 500 seem to be nosediving.

rpv123

If you’re in a passive diversified index fund, you’re also down today. I’m guessing that’s contributing. VTI/VXUS/VT are both down today so even the Bogleheads are feeling it.

Hooked__On__Chronics

> If you have a well diversified portfolio, you would likely not be down more than 1% today. VT was down 1.5% as of this post, just saying lol

digital_tuna

Own the total market with VT. Statistically you're unlikely to do any better over the long term.

Dwalorn

Keep in mind that your employment doesn’t really give you any edge in predicting the market. “I think renewables and nuclear are going to pop off because I’m in the industry” isn’t too much of anything because like… yeah, everyone thinks that. They’ve been thinking it for 5-10 years. That being said there are a ton of renewable/clean energy ETFs, and you can just google that phrase to find them. They tend to preform worse than just the S&P500 because again, it’s not exactly a trade secret that energy production is a big market. Nuclear is a slightly different animal. A lot of nuclear production isn’t publicly traded. There are some nuclear mining related stocks like UUUU and some nuclear tech related stocks like Lightbridge, so you can cast a wide net by just investing a bit in many of them, but it’s pretty speculative. Mining stocks have historically been a great way for naïve investors lose money for the past 300 years - it’s just a really easy industry to promise big future results and then run away with the bag. GEV is something to look into, but it’s hard to say if it’s hit a peak. TL;DR you should probably just buy SPY/VT/VONG/VXUS like every other boring but practical person. You can put 20% into ICLN or whatever but you might want to compare the 5 year projections first

drew-gen-x

If the DXY doesn't stop going up there are gonna be more dips to buy at better prices, hahaha. With that said just buy the indices. $VTI, $VT, or $VXUS. Pick your poison.

sh1ft3d

Or just VT for everything... or maybe VTI for US and VXUS for international if you want to control US-Int'l tilt.

MediumCookedRibeye

VT is 50% or more of your portfolio isn’t it?

staxnet

sell now and invest the proceeds in VT and hold that until retirement.

TreGet234

VT and chill 🥸

Fun_Training4330

##Satya Nadella is worth 1.5b dollars he's probably got everything in VT and VXUS and could give a shit about your pity msft shares

ateranol

I am infinitely more emotionally invested in the 10% of my account that is in options, rather than the 90% sitting in VT.

JustCan6425

He probably learned 10x more on this single trade than losers holding only VOO and VT 🤣🤣

Informal-Lime6396

I subscribe go crazy while young, especially in retirement accounts where selling is not taxed. By crazy, I mean heavy in sector ETFs that are seeing big growth like semiconductors (SOXX, SMH) and tech (VGT). As you get older, let these run and add more to safer ETFs like VOO/VT, then bonds closer to retirement.

CustomerSingle3173

Stop investing into singular stocks. Pick 1-3 singular stocks and invest the rest into ETFs of your choice. You already mentioned VTI. Keep buying VTI or look into VOO and VT. Watch some videos on YouTube and do the research. Personally, I hold 4 stocks. VT, XLI, RIVN, and DRAM.

harpers25

What I said is that fast track entry isn't new. "Since 2017, CRSP indexes have included newly public companies on the fifth trading day after listing." https://www.morningstar.com/stocks/how-will-mega-ipos-change-face-us-stock-market FTSE *Russell* added fast track for US indexes. VT is FTSE Global. “FTSE Global Equity Index Series and the FTSE UK Index Series already have a Fast Entry Rule." https://www.lseg.com/en/media-centre/press-releases/ftse-russell/2026/ftse-russell-introduces-ipo-fast-entry-enhancements-for-russell-us-indexes

usrnmz

FTSE (VT) and CRSP (VTI) both changed their rules to accomodate SpaceX.

harpers25

Fast track entry is not new for VT / VTI.

NAVYSEAL12ROCK

VT and chill

drew-gen-x

Unfortunately this is a casino and no one wants to hear words of caution right now. Usually you get better prices to buy when there are a hundred angry DJT posts, the end of the world is near, and you feel sick after you buy. I'm holding cash b/c I'm getting ready to feel sick after buying $VT and $VXUS again, hahaha.

DaemonTargaryen2024

There's no one perfect answer, but many (including me) argue yes. Or just do VT (total world market) to simplify

Wide-Contribution-29

DRAM Maybe  Or just buy VT and enjoy paint dry (you’d still likely outperform 99% of those here on WSB)

QueasyWorldliness920

I just need VT to go below 140 and I’ll dump my IRA that rolled over early April back into the market tbh

TheTall_Tale

At your age, the most important thing is to own a diversified basket of assets, at a low cost, and to let them compound over time. Time is on your side so "don't let perfect be the enemy of good" very much applies to your situation. With that said, VT is a reliable, low-cost way to own the entire global stock market. I'd encourage you not to tinker - whatever fund or plan to decide to pursue, stick with it.

TAckhouse1

People in the Boglehead sub invest in multiple ways. Some are all VOO, others add some international exposure, others are all in VT. There isn't one right answer. Given what 21plankton said, I think index fund investing would be a great strategy for them, allowing them to not miss out on the latest stocks, and requiring no research to know "what" to buy. As soon as I learned that something like 85% of active investors cannot beat SP500 returns over the long run (10+ years), I knew index fund investing was the right choice for me. If it's not for you, no worries. Wishing you the best.

Astronaut100

Yeah, you will have the rocketing stocks alongside thousands of losers which will drag them down to VOO returns if you’re lucky. The cult of VT is really obnoxious.

The-zKR0N0S

The best thing you can do is invest more this year than you did last year. Put it all in VT. Maximize it as much as you can.

Maximus77x

What would I do? I’d be firmly in the wealth accumulation stage. I’d be fully aggressive by going 100% stocks (or close to it). I’d shovel as much money as I could into a low-cost, broad-based index fund like VT until I started slowly adding BND as I got older and entered the wealth preservation phase.

swan797

VT, VTI, VOO, SPY can’t go wrong

drew-gen-x

Yeah, I'm 100% EFT's. I changed my entire strategy during the March 2026 sell-off. My port is currently $VXUS, $EWJ, $GLD, and $VT. I was down so much money from Feb to March that the only way I kept myself in the market and keep BTD was to just buy the whole damn world market and take the loss and sell all my individual stocks. It's worked out swimmingly as I am so much more stress free.

West_Flounder2840

I’m 34. All in VT equivalents in all my retirement accounts. I use FFNOX which is marginally less aggressive in my taxable brokerage accounts for short-medium term savings.

InclinationCompass

100% in VT then start adding bonds 5-6 years before retirement

Delicious_Put_5857

not sure if this is what ur asking but when the trading accts hit a threshold i move some $ into a safer VT account. and when the safer account hits a certain level i raise the threshold in the trading accs.

15pH

Say you spend 100 hours learning trading strategies like options. If you could get an extra 1% returns at that point, you would be a famous prodigy. 1% of your $20k is $200. Working part time during that 100 hours is worth like $1000-$2000. Getting started is all about living lean and hustling hard. Use a boring diversified fund like VT or target date 2060 and just pump it as hard as you can. Get that ball rolling!

siboq

This is why I’ve moved most of my investment portfolio into VT. It won’t make me as rich but it will ride the storms well enough for my risk tolerance.

slammelon

The best time to invest is yesterday. The second-best time is today. Just put it in VOO, VT, or SPY and relax. Chances are that unless the market crashes tomorrow, you will lose more by waiting for a dip than investing and getting gains between now the dip.

datadogsoup

Too complicated. I doubt this mix would outperform VT + BND really. Probably purposefully to make it look complex. I would suggest selling it all out and yolo 0 dte SPY calls or no balls

FarBack5807

The allocation doesn’t matter, it’s such a small part of VT, which is the entire world stock market. I could care less when SPCX gets added, what matters is that its float adjusted.

drew-gen-x

Not I. If the market wants to bid up the DXY b/c the new Fed Sheriff is gonna talk a tough game w/ no action I will use these inflated USD to buy more $VXUS, $VT, and $GLD. Jawboning is the final tool left in the Fed's so called toolbox.