VT

maicii

Yeah just VT. The rest of the world market is about 40% vs America’s 60. It isnt that small a portion to be fair

edmundsmorgan

Then VT. Although you know what US stock market is five time the size of next biggest stock market in the world (NASDAQ and NYSE vs Shanghai Stock Exchange and Shenzhen Stock Exchange is $ 75 trillion vs $ 15 trillion)

314159265259

There was no VT in 1999

towngrizzlytown

You have a good sense of direction with "it's not a get rich quick scheme, and growth is overtime." The vast majority of people are unable to beat market returns, and getting market returns is substantial over the long run. It's also extremely simple: invest in a total market index fund (like VT). I recommend regularly checking out r/Bogleheads to become familiar with proper investing. Feel free to ask any questions.

cantthinkofuzername

VT is beating contrafund so far this year.

WaffleOverlordx7

I feel like VT is pretty diversified

Flayum

You would've been mildly disappointed that your VT shares from 1999 were only up 22%

cantthinkofuzername

Nobody’s going to mention a TIPs ladder here? Ok I will: They are a very good buy right now. This would only be for liability matching in retirement (not for accumulation). I have a small ladder that will get me to social security. Have a very small amount in a bond fund (through a 2070 target date fund I am using as an essentially permanent for me 90/10 allocation that will distribute exactly what I need to compliment my TIPS ladder until social security). The rest is in TBIL, ibonds, and VT. I was hesitant to add even this small allocation to a bond fund but I want full diversification and have a 30-40 year life expectancy left and am willing to bet a recession type event will occur during that time and the bond fund will helpful. I could be wrong but I sleep well at night with my set up.

steve_yo

This is an aside, but as i’m getting older and increasingly concerned about US hegemony, the more I’ve moved my contributions towards VT type funds. More diversification with a bit less upside potential.

dogs_gt_cats

If you have a kid, one of the best things you can do for them is start by teaching basic financial literacy early. Our daughter has been using "envelope budgeting" since she was 6, splitting up every allowance and cash gift she gets. The hardest part is making sure we always have sticks of $1 bills on hand to make it easy for her to split it up between envelopes. She was taught the "Richest Man in Babylon" rule of "the first 10% of everything you earn belongs to you" so 10% of everything gets invested, split between her 529 and a position in VT. Its a weird feeling when your kid is better prepared financially than most other Americans several times her age.

Long-Inspector-4993

Everyone who lost money this year is ridiculously dumb, at least when it comes to investing. That includes the Koreans and Aschenbrenner. Even the absolutely most basic investment strategy "VT and chill" is about 12% up. So if you got wiped out during the last few months, even your grandma is a smarter investor than you.

JS1101C

VT

No_Contact1571

VT and chill objectively superior. (or sprinkle some mstr imo great entry now)

Sportfreunde

I don't think VOO is diversified, all its stocks are large caps and all in one country. VT is far more diversified. You're assuming the US will continue to be around the current 50-60% of the global market say 30 years later when you can see power and the foundations of current global order shifting in real time within recent years.

luckysharms93

When in doubt, buy the entire world. VT and forget about it for 40 years

OGS_7619

VT and chill - diversify. QQQ is far more concentrated and more volatile.

mmille24

VT better

zendaddy76

I prefer VT and chill personally 👍🏽

shmoovdawg

I sold all of my VWUAX earlier this year (about $180K - was too volatile for me and was a big tax drag, plus higher fees than most Vanguard funds and wanted some international diversification) and immediately reallocated into VT. Only LTCG (and a very small STCL). Did not keep it out of the market for more than 24 hours.

bhope95

There's no reason to chose VOO over QQQ both are just performance chasing but at least qqq has higher returns. VT or other global funds like avge avgv are ones you can actually chill with.

Whole-Reserve-4773

VT is the culmination of all productive cash flowing assets/ companies in the world. Can’t go wrong with that .

Lonely_District_196

QQQ is manly tech stocks VOO has much wider diversification. Also, it's popular. There's probably better SP500 indexes with lower expense ratios I've honestly seen a lot more people recommend VT lately

Virtual_Product_5595

You seem to have missed his point. Dips are an opportunity to accumulate more - right now VT is at an all time high despite the overall chaos in the US / world (tariffs, war, Iran preparing to begin financing its activities with transit fees thanks to what has gone on over the past year or so). I see the logic in pulling some off the table while it’s high (shift allocation towards bonds / more conservative). Put it back in either when the market reflects the risks or when the risks dissipate (once the hamberders have completed their work).

Bob_the_peasant

Eh someone says “full port VT” probably

Valvador

When people talk about Tax Loss Harvesting, it's a lot more useful to do if you are manually indexing (manually buying stocks that are part of an index). Morgan Stanley basically tried to convince me to use them as an advisor over VT/VTI because I can do direct indexing, which lets me Tax Loss Harvest by selling individual positions, which you wouldn't be able to do if you had VT/VTI, since it's a single fund. Say you are holding the equivalent of VT, but the specific individual stocks (complicated portfolio). The one benefit of this is that if you ever wanted to sell some VT, even if it grew by 100% you can still probably find some stocks in there that fell and sell them off to offset your gains, extracting cash without owing any debt. Now this fundamentally changes the composition of your "index", and you'll have to re-allocate to make up the difference if you truly want to track the index. But the trick is still there. You can't really do that by holding big funds.

Valvador

> Since the cash is in an IRA and I’m not at retirement age, I’ll end up reinvesting it soon enough and will likely follow the original allocation plan for my age bracket that I was planning to before I just hit sell all. 🤮 Anyone else in the same boat? No, because my 401k is in a target-date fund that is split between a very small amount of bonds, and mostly VT-equivalent. It sounds like you're trying to time the market.

blorg

I would never recommend going all-in on ex-US and dumping all US holdings. That's a strawman. The core argument for diversification is holding both. Even at global market-cap weights, you're still ~60% US, even the base case here you're more in US equities than not. I prefer VT for simplicity, but it's completely fine to choose an intentional home-bias (like 70/30 or 80/20 US). What doesn't hold up is using macro narratives to justify a 100% US allocation. This is all **Priced In**. >There aren't any tailwinds in a huge # of Ex-US countries. Market returns aren't driven by absolute economic growth or good headlines; they are driven by performance relative to expectations. Everything you listed, China's political risk, Japan's demographics, European stagnation, or the UK's GDP per capita, is common knowledge. Because it's common knowledge, it's already priced in. That's why ex-US equities trade at a massive valuation discount compared to the US. For US stocks to continue outperforming, US corporate earnings don't just need to be good, they need to consistently exceed the extremely aggressive growth expectations already baked into today's sky-high valuations. For cheap international stocks to outperform, they just need to turn out *slightly less terrible* than the dismal scenario the market has already priced in. Research has actually shown there is a [zero or slightly negative correlation between per-capita GDP growth and real stock returns.](https://www.sciencedirect.com/science/article/abs/pii/S0927538X05000338) [[2]](https://finance.yahoo.com/news/oddly-stock-market-returns-gdp-203439790.html) You're simply looking at the wrong thing here. *It's not what you buy, it's what you pay that counts. Good investing doesn't come from buying good things, but from buying things well.* - Howard Marks >I'll start buying as soon as Ex-US companies become household recognizable names. Waiting for companies to become household names before buying is literally a strategy for buying at the top. The entire point of value/international diversification is buying productive assets before the market prices them higher. Beyond that, ex-US companies are already household names: Nestle, Toyota, Samsung, Novo Nordisk, LVMH, Sony, Unilever, Shell, and ASML and TSMC (who are responsible for producing the chips inside the American tech everyone is bullish on). The US is the strongest market in the world today, but betting 100% of your portfolio on the assumption that current US valuation multiples will expand indefinitely, and that no other market will ever experience a multi-decade cycle again, seems wrong to me. It can't do this forever: indefinite relative outperformance is mathematically impossible unless you believe US equities will eventually account for 100% of global market cap and total global GDP. You are right though that we don't know when it might change. Hence why I just buy both and don't try to time it.

blorg

I would never recommend going all-in on ex-US and dumping all US holdings. That's a strawman. The core argument for diversification is holding both. Even at global market-cap weights, you're still ~60% US, even the base case here you're more in US equities than not. I prefer VT for simplicity, but it's completely fine to choose an intentional home-bias (like 70/30 or 80/20 US). What doesn't hold up is using macro narratives to justify a 100% US allocation. >There aren't any tailwinds in a huge # of Ex-US countries. Market returns aren't driven by absolute economic growth or good headlines; they are driven by performance relative to expectations. Everything you listed, China's political risk, Japan's demographics, European stagnation, or the UK's GDP per capita, is common knowledge. Because it's common knowledge, it's already priced in. That's why ex-US equities trade at a massive valuation discount compared to the US. For US stocks to continue outperforming, US corporate earnings don't just need to be good, they need to constantly exceed the extremely aggressive growth expectations already baked into today's sky-high valuations. For cheap international stocks to outperform, they just need to turn out *slightly less terrible* than the dismal scenario the market has already priced in. Research has actually shown there is a [zero or slightly negative correlation between per-capita GDP growth and real stock returns.](https://www.sciencedirect.com/science/article/abs/pii/S0927538X05000338) [[2]](https://finance.yahoo.com/news/oddly-stock-market-returns-gdp-203439790.html) >I'll start buying as soon as Ex-US companies become household recognizable names. Waiting for companies to become household names before buying is literally a strategy for buying at the top. The entire point of value/international diversification is buying productive assets before the market prices them higher. Beyond that, ex-US companies are already household names: Nestle, Toyota, Samsung, Novo Nordisk, LVMH, Sony, Unilever, Shell, and ASML and TSMC (who are responsible for producing the chips inside the American tech everyone is bullish on). The US is the strongest market in the world today, but betting 100% of your portfolio on the assumption that current US valuation multiples will expand indefinitely, and that no other market will ever experience a multi-decade cycle again, seems wrong to me. It can't do this forever: indefinite relative outperformance is mathematically impossible unless you believe US equities will eventually account for 100% of global market cap and total global GDP. You are right though that we don't know when it might change. Hence why I just buy both and don't try to time it.

Flayum

Why? Just do VT or VXUS

Flayum

VT and chill

overitallofittoo

Ditto. VT or MO.

iwaseatenbyagrue

Whenever I think about selling, I move to a global ETF like VT.  I just hate missing out on pumps, and this is a midway step in my opinion.

elnino_1993

Relax tiger, just 0.08% of all holdings in VT

Maleficent_While2653

VT is the best inflation hedge. Not gold. Not bitcoin. Not real estate. Not bonds. You just have to accept short term market fluctuation.

FewUnderstanding2214

What about start with VT

Not_RZA_

Sorry but no. Roth should be VT and chill

InvestInTwinkies

This wouldn’t be the advice I’d give to someone else, but for me personally I’d probably go VT/BNDW/SGOV/PHYS in 50/20/20/10 Someone else I’d tell them it should be in 100% SGOV + maybe a TIPS etf and to simply put aside more than they think they’ll need. The advice to someone else would depend on what the money’s for. If it money for a downpayment on a house then you could probably get away with simply adjusting your timeline or just putting a smaller downpayment down. Situational, but yea that’s roughly what I’d do

Sufficient-Flan1565

Pump continues tomorrow boys or no? Looks like bag7 and semi are pretty reasonably priced at this point so I’m considering going VT and chill rather than TQQQ

BarefootMarauder

*Safest* is HYSA or US Treasuries. But it could depend on the agreed upon definition of "safest" and "investment". To me, those aren't investments, but rather they are places to keep cash safe. For an actual investment, I'd say a low-cost total market or world market index fund. VT & VTI would be examples.

Street-Software3896

You should diversify your financial guys too, stop diversifying with 1mill stocks and just get VOO and VT, thats it.

cantthinkofuzername

Market weight is still pretty heavily in tech. But VT and chill is working for me. 🤷‍♀️

TheJustinG2002

Personally, I just VOO, VT, BRK-B and chill lol.

Sufficient-Flan1565

Up 9.8% ytd. VT and chill now. Lost money in shitty companies in the year beginning uber Nflx ADBE now

venture243

it already had a run up. this ETF can move very slow and then go either direction suddenly due to something on the other side of the world better off with VOO/VT

ceilidhfling

From a boglehead that thinks every once in a while about doing gambling with a small % of my portfolio: 1. so very very sorry for your loss. 2. you legit can just let that money sit for a year or two while you work through your grief. 3. if you are going to gamble, try to keep it to <10% of the windfall 4. [https://www.bogleheads.org/wiki/Managing\_a\_windfall](https://www.bogleheads.org/wiki/Managing_a_windfall) 5. VT & Chill, don't squander your father's legacy, he loved you and would have wanted you to be taken care of. [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) 6. the folks selling stock picking would love to separate you from your father's legacy don't fall for the advertising.

Sufficient-Flan1565

I’d lean towards VT

Dull_Judgment1587

VT fluctuates with the market. To achieve VT-like results with Fidelity funds, buy FSKAX/FTIHX at whatever is the current market cap (61.90% US according to Vanguard website) and then don't rebalance (let it fluctuate with the market conditions like VT does).

JS1101C

Just put it on VT for now 

ShadowRegent

In my opinion, market cap weighted should be the starting point-- VT is about a 60/40 split. US has outperformed for a while, but also has richer valuations. None of us know with certainty what the future holds. Reasonable people can disagree in both directions. The most important thing is to develop an Investor Policy Statement with your rules and reasons and stick to it.

Sufficient-Flan1565

I’m up now 3.3% ytd. Happy with my performance this year. Might go VT and chill for the rest of the year

Super-Loquat3585

Good luck OP. Just VT and chill from now on.

abstractraj

I would create two “buckets” CD can work for a safe stable bucket. Keep say 3 years of expenses in there. Then the other bucket is made up of just using an index fund like VT. That will have chance to go up with the world markets over time. If there is a downturn, use you CD bucket, otherwise use the index fund bucket

rpachigo1

Not who you directed your question to but VT is everything. I'll be 100% equities forever. SS will be the "bonds." A decade behind you.

NatureBoyJ1

It totally depends on your risk tolerance and investment sophistication. At 65 (assuming taking SS as a solid income floor), a 70/30 stocks/bonds portfolio with VT for the stocks and SGOV for the bonds would not be unreasonable. Yes, you could split the stocks up into more funds (dividends, small-cap tilt, etc.) and the bonds into international bonds, inflation protected, non-government, etc. but you're quickly splitting hairs and adding complexity for unknowable advantage. There are many sites that provide model portfolios (Bogleheads being one of the better known), and "mostly' bonds at that stage of life is not a typical recommendation.

FewUnderstanding2214

If you lost everything then you weren’t profitable, you had 100% losses. 7 years of investing in an ETF like VT, you could have hundreds of thousands of dollars

Former_Farm_3618


JoeRidesBikes

Are you going to need the money in two years or is this for retirement? If you need the money when you get back, put it all in an HYSA, CD or SGOV. If it's for long term investing (retirement) put 100% of it into VT or VOO or whatever index fund you desire. What is the money going to be used for in two years? Start there.

SirGlass

Why put this completely arbitrary restriction on yourself ? You know you do not need to place an arbitrary box around yourself then decide your investments from this random restriction? Its like someone asking "Hey I only want to eat two things for the rest of my life what two things should I eat?" Well the answer is don't place this weird arbitrary restriction on yourself However the answer is just broad index funds, just do VT or VTI

ekemp

\*sniff\* \*sniff\* That was beautiful. ...But VT and chill is also a good strategy.

Str8truth

VT and chill.

EnvironmentWeak2100

Or put it in VT and gamble the rest

InvestingNerd2020

Wrong subreddit. Go to r/ETFs. To answer your question, either VT or SCHB.

HystericalSail

VT, a small % of cash to deploy to TQQQ after big sell-offs.

PDXOSU

My wife is gonna think I’m a god because I’ve been buying MSFT AMZN and VT in her account this year

RealSoil3d

When you buy VT, the fund occasionally send you an email about companies with HUGE potential

Mr_Mi1k

S&P 500 / VT and don’t think about it for 20 years.

ethereal3xp

Semis are the best for gains in the long run. If you need to retire soon or can't handle the volatility. Invest in SP500 or VT.

deadmonkey03737

The entirety of VOO is within VT. It’s pointless to concentrate extra funds on just those companies

Square_SR

I have thoughts but really just read this: https://www.bogleheads.org/wiki/Prioritizing\_investments I’m sure someone has said this already, but if your 401k has no match then contributing to and maxing your HSA (if possible with a HDHP) and your IRA (Traditional or Roth) should be top priority. Not only are these tax efficient, but you can often buy VT or other low cost index funds to keep everything low fee compared to a 401k. Depending on income and depending on your particular 401k plan you’ll want to contribute as much as you can up to the limit (which is large, maxing 401k is not feasible for most people obviously), but there isn’t like a separate limit for Roth vs Traditional. You don’t need to contribute to both - basically just pick Roth if you think you’re in a lower tax bracket today than you will be in retirement. If that’s not true then go traditional.

kmouratidis

I had sold some 155 CSPs, and I had some 215 calls, but yesterday and today I chickened out (and went regard bear) and only kept a few of the CSP and bought half the number in protective puts so I don't get royally fucked. Well, shit. I'm more sad that I'm a regard. On the plus side, every $$ that went out of options in the last 24h I put into VT, and the remaining will go there too soon, and I'll hopefully stop resorting to gambling.

Panoramix97

If you dont know anything and want to invest for 10y+ Buy an ETF full port folio Xeqt.to if you canadian VT if you are american

TreGet234

International stocks and currencies aren't in much better positions. I do think spy won't beat VT anymore going forward.

edmundsmorgan

100% VT or Voo Don’t split between them

Noble_Grove_3168

VT is simple and globally diversified, but it's worth comparing the overlap before switching

saltandpepper96

VT or VOO and fuggitaboutit until closer to retirement.

greytoc

VT is not a UCITS and it may not be compliant in the UK. VT tracks the FTSE Global All Cap Index. If you want a fund that tracks that index - there are UCITS such as VWCE and VWRL. Note however that these funds are USD and not currency hedged. So if you care about currency fluctuations against pound sterling - you may have to use a different fund. There are also UCITS funds that track MSCI World Index which may fit your needs.

greytoc

VT is not a UCITS and may be considered non-compliant in the UK. What you are probably reading may not apply to you. Afaik - there are no UCITS funds that track the CRSP US Total Market index. Is there any particular reason why you want to track the CRSP US Total Market index? That index is not more diversified than the combination of WRDA and HEMC. VT is a US market only index fund. If you want a single equity fund that is globally diverse - look at UCITS funds that track the MSCI Global Market index. There are a bunch of them. Don't forget that you may want to use a currency hedged fund if you care about currency fluctuations against the pound sterling.

Tall-Classic-6498

Just buy VT fuckin nerd 

bslow22

Would an easy one be to increase VT or cash percentage or were you mostly asking about safer individual stocks?

GaylrdFocker

Is this a taxable account? Do not use Fidelity's zero fee funds in a taxable account. If you ever leave Fidelity they cannot be transferred. Just do VTI/VXUS split or 100% VT. If it's a retirement account like an IRA, FZROX and FZILX are all you need. FZILX replaces the Intl fund you listed, and everything between those that you listed are not worth it. It reduces your diversification for a higher expense ratio.

InitialPsychology731

How's VT more than 1% diwn smh, might as well go into options

Flayum

That's why you don't pick stocks, just get the broadest non-overlapping ETFs. Why QQQ, when you could VOO? Why VOO, when you could VTI? Why VTI, when you could VT?

DontPeeInTheWater

~He~ Everyone here should really just VT and chill.

azure275

And then there's the international/VT-VXUS proposition

Kentuckyquestioner

I went from not investing and just putting everything into a savings account for the last 8 years because I didn't really know much about finances, and finally decided to learn and do some research and whatnot. Put most in VOO, and some in IEMG, VT, SPMO, XMMO, a little in bonds and a few individual stocks I liked. at the start of June. I chose almost the worst day possible, and I'm down 6%. Like I thought I was being responsible starting to invest and not gambling on daytrades or anything, and instead I've immediately lost thousands of dollars. Fuck the stock market

Bowl-Accomplished

From what I can tell it's essentially VT, but since it's based outside the US the tax treatment is worse for US citizens and the expense ratio is a bit higher.

Maleficent_While2653

Just stick to VT. You will get rug pulled in anything else.

kmouratidis

That's it. I just closed most of my options positions and just rolled it into as much VT as my broker would let me. Thanks and fuck you, regards.

Efficient-Fudge-3515

The best strategy is to invest in VOO, VTI, or VT and hold for a long period of time. The strategy is so good, that it is guaranteed to make you money and outperforms 85% of financial advisors who spend their life studying the market.

hadtolaugh

I’m just tracking S&P500 via VOO. The other two are good as well if you want broader exposure in US (VTI) or Global market (VT) than S&P500 provides. I have a little of the others as well, I just trust the balancing of the S&P500 more than the others for regular buys.

thorn960

VT and chill

LuckyNum2222

Any reason why VOO over VTI or VT? Just curious if there’s a reasoning

BurnsinTX

Yes listen to this and don’t listen to any Wall Street bets or other stuff. At your age I picked 5 stocks. No ETFs, just individual stocks. One of those was NVDA, in 2009. You’d think I crushed the market returns, well guess what, even with NVDA in 2009 all my other picks after that lowered my total return to roughly 10% over the past 17 years. If I would have picked VT and chilled, it would have been the same result. For those others reading it I went big into marijuana stocks in like 2019 which killed my total returns. VT, VOO, whatever just hold and chill!

Hoosier2016

I wouldn’t let my funds sit in lifecycle funds. They’re too conservative for basically anyone 5+ years from retirement. I would be 100% VT. Still got great gains, but could have had more if bonds didn’t drag me down.

Laakhesis

100% $VT Focus on more contribution than chasing high growth volatile funds Live outside the charts.

Pretend_Composer_308

VT and chill

EpicDOgeMC

2018 to 2025 was a very unique situation, unlikely to happen again. Gold has no intrinsic value. It is a commodity, and produces no cash flows. Buying VT instead of gold, or moving 100% of your gold to VT, will almost certainly do better long term.

brown-ale

Risk vs Reward. Single stocks can be great but a reminder that there's no crying in the casino. ETFs like VOO, VTI or even VT should be your foundation (say 50-90% of your portfolio, depending on your situation)

Flayum

He should really just VT and chill.

Flayum

>  you need to pick individual stocks and that ETFs won’t get you there lol, this is also a way to become “seriously poor” and put yourself on the meme sub. You have a business, focus on that and upskilling yourself.  You shouldn’t be thinking about your investments. Put your excess cash into the best tax-advantaged vehicles you have available to you and just throw it into VT or VTI (if you don’t want international exposure for some reason).