VT

Valuable-Analyst-464

Before you load up on taxable, look in the Bogleheads sub for the financial order of operations. Emergency fund, pay off high debt, company match for 401k, HSA, Roth IRA then taxable. (I feel like I forgot something). VTI/VXUS or VT are good ETFs to get going in all of the investment accounts I mentioned.

carbonclasssix

VT and chill until you are more familiar

OakleyPowerlifting

I need to at least max out mine my wife’s Roth IRAs this year, and I was wanting to do more, but what are yall thinking going into this possible market correction? I’ve been DCAing $150/wk per account to get the max contributions for each account, just into mainly VOO, SCHD, VEA, VWO, VTI, BB, SFYX, MSOS, VT, O, and a Fidelity Go account. People are suggesting putting my investing into a money market account or my 4.6% savings until we get lower, but not sure if SGOV in the Roth would be a good option or stay on track DCAing into my usual funds and ride it down. Open to any advice.

zhiharng123

That is still a good play tho. But u really don’t need Voo and vti together. This is what happens, u have overlapped your portfolio significantly by doing so. U would have been okay with just VT alone.

my_shiny_new_account

VT

scientropic

For the expanded investment menu. If you’re satisfied with the TSP options, of course that’s fine, but a self-directed brokerage IRA opens up a world of options, including ETFs like VT, GOVT, IAU, COMT which allow you to access investments not available in the TSP. I rolled mine over in 2007 and have been happy with the results. In addition, I used some of the funds for Roth conversions.

jwd52

I think virtually every regular, non-insanely rich person would benefit from a “Boglehead” strategy, meaning that you invest in the total market via funds with the lowest possible expense ratios. That means either going 100% VT or something like 65/35 VTI/VXUS. Then as you get older (since you’re so young, we’re talking decades from now) you can start gradually transitioning over to bonds. Doing this guarantees that you’ll capture average returns, all with very little work and relatively low risk. Active stock pickers lose out against this strategy something like 95% of the time over the long run. There’s no good reason to focus on dividends, imo, especially not at such a young age. They’re not free money, and they create taxable events when you might not want them.

SnooSquirrels8097

Dump it, and switch to VT or VTI and then forget about it for the rest of your life

scientropic

Since you mentioned ETFs I assume you have a brokerage account. For a simple diversified starter portfolio, consider VT, GOVT, IAU, about 60:30:10. With just three funds you cover all the bases. For stocks, VT let’s you own virtually the world in one ticker. No need to get bogged down in large caps, small caps, growth, value, international, emerging, etc … you’ve covered them all. GOVT is US Treasury bonds, and IAU is gold. This is a highly diversified portfolio that you can keep long term or use to buy time while you gain experience and refine your own ideas.

tatlpax

It depends on what index you're looking at. FTSE All World is 62% US, MSCI ACWI Index is 64%, SIFMA is 45% US. I like Vanguard's recommended 60:40 fixed allocation split that they use in all of their all-in-one funds - Target Date, LifeStrategy etc. I would prefer my US allocation not go above 60% or dip below 35%. So I prefer using a fixed US:INT allocation to ensure I can hold long term without the risk of exceeding that range of US exposure in either direction as a result of tracking a global index or holding a fund like VT that tracked it for me.

the_leviathan711

To avoid tinkering, just go with *one* ETF: VT. Then don't worry about it.

anbu-black-ops

Why not invest in etf first until you learn more about investing. Like start with VT/VTI/VOO. Any of those 3. It's perfect right now since stocks are down. You get to buy the dip. The only one I like is nvdia. If you really want individual stocks, get the one you know or blue chip stocks to start. Like Amazon. A lot dips these days. But really start with etf and buy more if the market is down. Just concentrate on 1 etf for now and slowly add another when you know more.

Yung_Eli

Sounds like you paid $14k for a gambling addiction at 19. I recommend taking all your money out of Robinhood and putting it into Fidelity (or another reputable broker), and make regular contributions into a tax advantaged account buying VOO or VT for the rest of your life, you will make way more than $14k this way.

vespa94

I’m in a similar situation, would VT sound good as well?

GucciGangYolo

A lesson to everyone here to just by $VOO and $VT and then uninstall the app

scientropic

You bet. You can conquer fear by taking things one step at a time. For a basic three fund portfolio, an excellent starting point is VT, GOVT, IAU, roughly 60:30:10. These represent stocks, bonds and gold. Because of low correlations, meaning they tend not to all go up and down together, the combo will give you a smoother ride than any one individually. You can also start with a generous cash allocation to further tame the scary. As you gain knowledge and experience you’ll gain confidence too.

scientropic

I nominate VT. It contains all the stocks in VOO and VUG, plus small caps and developed and emerging markets. It’s casting a wider net for potential growth and is a more forward looking approach. As every prospectus states, past performance is no guarantee of future results. It may be boilerplate, but in my experience no truer words in finance have been spoken.

thewerdy

Yeah, international is a generally good idea if diversification is what you're going for. VT obviously would basically capture that but a lot of people split VOO/VXUS for tax reasons. Small caps honestly I don't really know.

MattieShoes

1. No. 2. Lump sum in January yields higher average returns (more time invested in the market), but it'll be a bit more volatile than DCA. 3. Yes. VOO is only gigantic companies on American exchanges, and it's a blend of growth and value companies. There are other options... To list a few: * VTI -- Invests in most American stocks regardless of size, but weighted on size. So it's like 3/4 VOO, but the other 1/4 has smaller American companies. Generally does almost the same as VOO * VT -- Invests in world stock markets. Has underperformed for a couple decades, but who knows what the future holds. * VXUS -- Invests in world stock markets excluding the US. Has very much underperformed, but who knows about the future? So you can think of VT as VTI + VXUS in a certain percentage... I think 60-40ish. But you could take VTI and VXUS in whatever percentage you want. Then there are things like precious metals, commodities, bonds, REITs... Their returns aren't very correlated to US stock market returns, so holding some combination can reduce volatility in your portfolio. Plus rebalancing your portfolio periodically can act like a weak "buy low sell high". But generally stocks are the highest-performing asset, so these blended portfolios are usually trading away return in exchange for the lower volatility.

Embarrassed_Time_146

Do you mean saving during the year and then lump sum investing? Don’t do that. Invest as soon as you can. The lump sum investing vs DCA debate only makes sense when you already have the lump sum. On the other hand, there are alternatives to VOO. VT holds the whole world market. It behaves differently (and has performed worse recently), but it avoids making decisions about what stocks to hold.

tillytonka

I also have a 401k and a brokerage. Remember to invest in ETFs and not just let the money sit in your account. Buy VT or VTI/VXUS and don't stop adding to it til you retire

thewerdy

Even Warren Buffet has basically said almost everyone is better off dumping their money into low cost index funds like VOO. Other reasonable options are VTI (total US stock market) and VT (total world stock market). To answer your questions: 1. No, it's not too late. 2. Generally lump sum will be better. Time in the market beats timing the market. You will have times where DCA will beat out lump sum but studies have shown early lump sum is generally better over the long term. 3. Some people think they can beat the market. Some people want to invest in specific companies that they like. Some want to invest in other sectors. A lot of people have literally no idea what they are doing and should really just be putting money into these types of funds. If you're really interested going for the low cost index fund investing route, I would recommend looking into r/bogleheads. There are a lot of resources in the sidebar there that will educate you on their preferred portfolio (the famous three fund portfolio split between stocks and bonds).

Adventurous_Sky_7936

VT, VTI, or VOO 1/3 SCHD, VYM, or SPYD 1/3 QQQM, SCHG, or VUG 1/3 Do your research. Understand what the funds hold and their weight. Expense ratios, dividends, historic returns, sectors, liquidity, overlap…

MotoTrojan

Solid option. My main gripe with VT is that for US based taxable investors, you do not get the FTC (foreign tax credit) like you would if you held VTI/VXUS. Personally I recommend using AVGE (or AVGV if you are okay with all-value) for single ticker, globally diversified, tax-efficient (ETF-of-ETF structure does get the FTC) with a modest tilt to size/value/profitability factors. AVGE is 70/30 US/ex, AVGV is 60/40 and all value.

WhiteXHysteria

I just buy VT. There's no reason to think I'm smarter than vanguard

stvaccount

BND is garbage at your age. 50$ every week is bad, better use 45$ (if last week previous was a good week), 55$ if last week before was a down week, 50$ if it was a neutral week. You need VT + All world.

SnooDogs3021

Im 25 years old and plan on holding for atleast 20-25 years. I want to set up autobuy every week and forget about it, I’m starting with $300 and plan to put $50 every week im new to investing so excuse me for all the questions which are probably basic but I keep thinking/reading about a 3 fund portfolio but if buy VT(which is already US and international?) it's no reason to buy a separate international ETF? so I’m thinking of going with VT in my portfolio and BND. And I just do 75% VT and %25 BND? Is this a good/sound plan?

nharKdivaD

The research suggests that for most people, a low cost broadly diversified global etf/mutual fund will be best. In the states a popular etf is VT. It’s disappointing that your family is saying not to worry about your future at a young age. In fact, the person who decides to wait will likely have a smaller nest egg in retirement. Each additional year you have to compound your money can be extremely powerful over the course of an investing life time. Take for example the following theoretical scenario: Jack starts investing at age 25, invests $20,000 every year for 10 years, no investments after age 34. Jill starts investing at age 35, and invests $20,000 every year for 30 years. If historical market returns occur over this time, then Jack would end up with MORE than Jill, despite having 20 less years of contributions. Good luck on your investment journey!

taplar

I have two suggestions you could consider. The first being, to just invest in VTI or VT and ignore it. The second option, if you cannot stomach not doing anything, would be to split your investments (by some percentage) between VTI and something like VUSXX. In the event that VTI starts declining, move **some** of VUSXX into it, not all. Maybe make yourself some rule. "If VTI declines x%, I'll move 10% of my VUSXX into it." If it keeps declining, you'll keep buying cheaper and cheaper, though keep the 10% (or whatever you choose) the same percent even as your total remaining VUSXX continues to be reduced (eg, 10% of 1000 for 100, then 10% of 900 for 90, then ... ). And also make yourself some rule on the flip side. "If VTI exceeds my average cost basis by x%, I'll move Y back into VUSXX." You will not reap the perfect feeling of buying in at the very bottom (most of us can't do that), but you will also not lose your azz.

chris_thoughtcatch

Well don't sell your BTC. But for your cash, if you want safe boring predictable returns for your future r/bogleheads seems to be a great place for that. throw it in VT or VTI and forget about it.

tillytonka

VT and chill

gandorf62

Open up a ROTH IRA. All $10k in a vanguard index fund like like VTSAX or VT. Gains grow tax free in a ROTH IRA.

r00000000

Most people don't need professional advice and depending who they go to are better off without it. Investing has been solved and a globally diversified portfolio (VT for Americans) with enough fixed income (social security + tbills/bonds) to weather downturns up to 40-60% (depends on personal risk tolerance) is good enough for most people. Financial advisors are proven to be bad at their jobs, recommending bad financial products because most of them are salespeople that are encouraged to push their company's products. Even many of the ones that are genuinely trying to help are bad at it because they assume investing is more complicated than it actually is, and recommend overly complex products with high fees that underperform.

ZettyGreen

All of VTI is held within [VT](https://investor.vanguard.com/investment-products/etfs/profile/vt), there is definitely overlap. If you want an international only fund, see VXUS

YifukunaKenko

VT. It’s international so it’s not crossing with US total market nor 500

RandolphE6

VTI and VXUS will cover the US market and international market which basically gives you everything. You can consolidate this into a single fund VT which has everything. Another popular pairing is VOO and AVUV. That's the SP500 (large cap) and small cap value. There will be no overlap.

ZettyGreen

VTI and VXUS Or if you want bonds: VT(which is a combination of VTI and VXUS) and BND(which go figure is bonds).

nutbutterguy

Nah it’s a Vanguard TDF so low fees. I didn’t plan on selling the TDF or getting rid of it totally. I am contemplating buying VT or VTI within the same account the TDF is in to be more aggressive.

SnooSquirrels8097

5 years is too short to guarantee good returns. But best to capture the value of the entire market - VT or VTI

Responsible-Box-5678

I recommend VT, VTI, but, at least 7-10 years. 5 years could be too short of a period, be prepared for some ups and downs, but don't withdraw when things look ugly, be patient.

nbelyh

Yep, wrong, all world is "VT" not "VTI"

2buckchuck2

VT is world VTI is total US Market VOO is SP500

jlocke1979

My advice ..wanting to be more aggressive just get out of retirement target date funds and make mimic the funds themselves. The portfolio composition on 2055 is documented here: https://investor.vanguard.com/investment-products/mutual-funds/profile/vffvx#portfolio-composition Just pull the bonds down by whatever proportion you want and rest invest proportionally in other two funds (VT or VTI)

Responsible-Box-5678

Whenever you are in doubt, diversify. The percentage of diversification should equal your doubt. It looks like you would be good with 50% TDF, 50% VT

nutbutterguy

Yeah I plan to keep the TDF in there. I wouldn’t sell it. Was leaning toward buying shares of both the TDF and VT in the Roth each year.

beckhamstears

Go straight equities, like VT. Who cares if the TDF is already there? You aren't realizing gains.

Tourdrops

If it was me $200 a week into VOO or VT over tbe next year

i_like_my_dog_more

Or VT if you wanna keep it simple and don't care about the foreign tax credit.

nutbutterguy

Yeah I just mean investing in both the TDF and shares of VT in the Roth for an overall more aggressive IRA portfolio as a opposed to having just the TDF.

CSCAnalytics

If you want to be aggressive, buy a 100% equity index fund and focus on diversification. VT will take care of diversification (global + asset class) for you. Target funds aren’t “bad” by any means, but most will contain some form of bonds that scales up as you age. If you want 100% equity, just buy a 100% equity fund.

ruwheele

Go VT or VTI

AICHEngineer

I would say simply buy VT. You're getting essentially the target date fund sans bonds. For my momey it's a way better retirement play.

AICHEngineer

Rabbit hole time! What you're looking for is *risk factors*. Efficient markets only systematically compensate risks that investors cannot diversify. These priced risks have been defined in the 5-factor capital asset pricing model by Fama and French. The factors are equity, value, size, reinvestment, and profitability. Equity risk premium is the expected return in excess of the risk free rate (tbills or bonds or whatever is the best yielding risk free asset at the time). You get the equity risk premium exposure in your portfolio by simply holding stocks at market cap weights, like VTI in the USA or VT for global markets. Other priced risks are small caps, value stocks, and then especially value stocks with robust profitability or value stocks that reinvest conservatively (this means small cap value instead of small cap growth). Value in essence means that investors are demanding a greater discount on future cash flows (aka larger *expected* returns) because they precieve some risk in that company. Diversifying among risky companies like this leads to higher expected returns, so your portfolio grows faster/larger. Small cap value has outperformed the market since 1993 when the first true small cap value fund was deployed by Dimensional Fund Advisors, DFSVX. This fund returned like 11.18% CAGR when the s&p500 returned 9.95%. that's 30 years of over a percent per year outperformance, enormous implications for compound growth. We now have multiple great products in the small cap value space. AVUV (Avantis small cap value, very similar to DFSVX) and DFSV (ETF version of DFSVX released 2021). In a different vein, some small value funds have focused on free cash flows and future cash flows and lean into raw profitability like CALF and RWJ. AVUV/DFSV focus on low price to book companies with robust operating profitability so they have a financial focus, CALF and RWJ are focused on raw cashflows so they lean into consumer discretionary. I personally have 30% of my portfolio between AVUV, AVDV, and AVES. AVDV is international small cap value. AVES is emerging markets value.

Ghorardim71

QQQM/VUG/VOO/VT depending on your risk tolerance.

oodell

You don't need a wealth manager. Pick a brokerage (example, fidelity) buy a broad market index fund (VT), and forget it exists.

rinsyankaihou

tell you what, hire me and I'll buy $50,000 of VT and I'll give you a discount charge you .5% per year for my services.

Kilsner

VT

gaslighterhavoc

With that logic, why not VT?

TetaniAuricularis

Is holding VTSAX and VTI redundant in a Roth IRA? For context, Roth was set up long ago when I was employed and I'm just holding until I can contribute again (current student). I've learned little bits here and there but know next to nothing about tax differences and efficiency, all that stuff. While it sits and reinvests dividends, I want to make sure its doing the best it can (with the small amount that's in there). I also have VT, VOO, VEU, and VBK in there. The largest holdings are in VTSAX, VTI, then VOO, respectively. ​ Appreciate the advice!

scientropic

A good first stock fund? VT, hands down. Virtually all the world’s stocks in one ticker. Then add a little bonds and commodities … GOVT, IAU, COMT … for asset class diversification and to give you some dry powder to take advantage when stocks sell off. This also gets you into the markets while you learn more about them and develop your own ideas about what suits you best.

scientropic

For investors new to the stock market you can’t beat VT. You virtually own the world in one ticker. Incidentally it contains Nvidia but also thousands of other stocks around the world whose best returns may still lie ahead. Also consider a little bonds and commodities … GOVT, IAU, COMT … when stocks sell off they can at least give you some dry powder to take advantage of bargains.

McKoijion

Robinhood is the best. Start with 100% VT. You can adjust later.

grumpvet87

in my IRA as I am $1100 short of maxing it out. then into VT or vxus to reduce my domestic exposure

throwaway3113151

VT

Midnightsun24c

I mean, it's no guarantee at all, and it very well might drop even by half at any given time, but stocks drive high returns over long periods of time so VT global stocks or VTI US stock market something like that. Stocks are volatile and could swing easily +/- 20 or more percent in any given year. Short-term, the only safe things are high yield saving accounts, treasury bonds, and money market funds Returns higher than that are suspect and usually a result of luck/speculation/gambling

GaylrdFocker

>At first I really liked $QQQ since it has had the highest returns out of the 3 **since inception** dip for these growth index funds recently  don’t want to lose money buying in at the top. These statement pretty much tells me you have no idea what you are talking about. QQQM is QQQ with a lower expense ratio. QQQ is set up as a Trust (UIT) and QQQM is an open ended fund. QQQ has been around a lot longer which is why the return since inception. You should just dump VOO/SCHD/SPYI and buy VTI/VXUS or VT. Don't want to lose by buying at the top? Who's to say it doesn't keep going up though? The market regularly sets all time highs. What is recently? They lost like 30% 2 years ago. That's very recent when you aren't gonna retire in almost 40 years.

Cruian

>Also for clarity I think you meant that VT= VTI + VXUS, only pointing this out as you have a typo that would be confusing to people who don't know this. Fixed, thanks

Alara_Kitan

VT and chill.

TimeToSellNVDA

I do two things: - 529 savings. I get a state tax credit for this. Not all states do. - I also have a separate account for my kid where I have a globally diversified portfolio. Nothing crazy, 75% VT, 25% AVGV. I just think the tax free growth of 529 is amazing and too good to completely ignore. If he goes to college, I'll use the 529. If he gets a partial or full scholarship, or he doesn't go to college, I'll just keep it around for his kids or roll it over to his Roth IRA gradually. The separate account, I hope to give it to him in his mid twenties (arbitrary). I'll not use UGMA because I honestly think 18 year olds are still children.

lkeltner

It's ok. Just VT and chill from here on out.

Cruian

>That study specifically looks at GDP growth, not GDP. Even there, Australia (12th) had the best 100+ year returns for at least one point recently (Credit Suisse Yearbook I believe mentioned it). Also in the top 3 was South Africa (37th). I used the rank numbers provided here: https://www.worldometers.info/gdp/gdp-by-country/ >VT has significantly higher fees People should stop looking at fees as a multiple, and instead look at them as the basis point difference. 0.03% vs 0.07% is over 2x, but only 4 basis points; while 0.40% vs 0.80% is also 2x but a far more significant 40 basis points. Container 1.03% vs 1.07%: that's the exact same difference in basis points, but less than a 4% difference instead of the 100% that you'd get if the "1.0" wasn't there.

Apeist

Why go for vxus and vti when you could just do a total world fund like VTWAX or VT?

ResponsibleOven6

That study specifically looks at GDP growth, not GDP. My main point in the GDP thing was that US markets are massive and I expect that to continue. Either way this is interesting and I'll have to read up on this a bit more but it's not going to change my VTI approach. Also for clarity I think you meant that VT= VTI + VXUS, only pointing this out as you have a typo that would be confusing to people who don't know this. And u/signo1s - as for DCA vs lump sum - there's a bunch of studies on this and lump sum wins roughly 70% of the time depending on the period and investment(s) you're looking at so I'd do lump sum. The only real valid argument against that is it's kinda terrifying for some people and taking a slight performance hit to make sure you don't buy in right before the next massive crash may be worth it for some. Another way to look at it though is to assume you already have all of your money invested the way you want, would you take a large portion of it out just to trickle it back in over the next several months? I wouldn't, not without a way to confidently either move or predict the market.

Cruian

The person you replied to brought up GDP: The economy and stock market aren’t the same thing, they may even be negatively correlated in some ways: https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1745-6622.2012.00385.x >VTI, VOO, and VT? VT is total world or contains most of VT and all of VOO, plus most of VXUS. VTI is US total market, it fully includes VOO. VOO is just the S&P 500.

signo1s

Love this. I am actually leaning towards this right now based on some input I am receiving from others. 100% VTI And chill. What is the difference between VTI, VOO, and VT? And lastly, would you lump it all in today or DCA?

ADankPineapple

100% into $VT and chill.

aytikvjo

A portfolio of globally diversified market-cap weighted total market equities and fixed income funds i.e. VT + BND You're making this way too complicated for what will have a high likelyhood of underperforming the above over a 10 year period anyway.

scientropic

You can start with as few as three ETFs for a complete portfolio. VT, GOVT, IAU, representing stocks, bonds and gold. VT is the whole world stock market and GOVT the US Treasury market, so you’re broadly diversified. You can customize to circumstances and goals, but this will at least cover the bases while you refine your options.

scientropic

As a starting point, consider VT 60%, GOVT 30%, IAU 10%. Not totally conservative, but covers the bases in just three tickets. VT is of course the whole world stock market, GOVT US Treasuries, and IAU gold. Tweak to taste.

fiFocus

That you would make more money buying $VT, and forgetting your account existed , when compared to whatever you are already thinking you should do

UrbanTinker

Hi all, this is an old account that my father opened and bought a bunch of random ETFs and stocks. I am trying to consolidate and group these investments given that there is a lot of overlap here. Any advice is appreciated. Goal here is to have few diverse ETFs that can spend time in the market and grow slowly and steadily. XEQT and VT are preferred. He would like some exposure to international markets and possibly other ways to hedge against risk, but not totally conservative. Let's call it 7/10 risk level, if that's a thing. TEC ~7% RIVN ~7.4% QQQ ~11% ICLN ~ 5.1% FCUQ ~7.2% ETHI ~9.1% XEQT ~6% VTI ~15.3% VT ~15% VGG ~5.2% VFV ~6.6% VEQT ~6.1%

scientropic

Yes, things like VOO are ETFs (exchange traded funds) and would be the kind of thing you’d put in a brokerage IRA. Many 401(k)s would have similar options under different names, all being S&P 500 index funds. If you were to go with an IRA at a brokerage, a good starter portfolio would be something like VT, GOVT, IAU. Stocks, bonds and gold, maybe 60%, 30% 10%. At your age you could even go with more stocks. I do suggest however that you have at least a little in bonds and gold if only because it gives you some dry powder to take advantage when stocks sell off. But the main point is that investing in a brokerage account doesn’t have to be complicated … you can cover the bases with as few as three funds. VT in particular covers virtually the entire world stock market … with one ticker you can own the world.

HighYieldKing

VT sucks

No7onelikeyou

Some just VT and chill, better than most on this sub lol

No7onelikeyou

Yep, that’s why some do VT

Kilsner

yolod my retirement into VT my dude. risky i know but cowabunga

Rand-Seagull96734

No originality here. The answer to everything is VOO. Not even VOO+VO+VB. Just VOO lemmings here. Wait till their cousins show up and start shouting VTI, and then VT. All of them today are essentially Top 10 or so companies. Aren't you guys supposed to be in some Bogel sub?

randomuser1029

The years SPY is massively down VT is also massively down. Have you ever even looked into their historical returns? At best it's only slightly less down. A downturn in the us is very often accompanied by downturns in global economy. That is why everyone here is disagreeing with you. If you're looking for some way to hedge against downturns in the US economy, VT definitely isn't it. At best you're preparing for a collapse in the US that may or may not even happen and in the mean time you're missing out on returns. And if/when that collapse does happen there is no guarantee the rest of the world economies won't go down with it.

randomuser1029

And SPY outperforms VT nearly every year. Why does it matter if some countries outperform the US most years if VT overall still doesn't? You might gain exposure to a country that out performs US companies but people investing in the s&p are still going to have higher returns than you

taxfreetendies

VT is up 210.7% since its inception in 2008 SPY is up 448.75% in the same time span https://www.morningstar.com/etfs/arcx/vt/chart

CaptainHoey

Just watched the eclipse here in VT. Glad it was free to watch since I’m poor.

Chicken65

You can actually predict who will be the winner if you are talking countries, that's not that difficult. Why would I want exposure to banana republics and political regimes that are ripe for hyperinflation that will stifle the returns of decent companies they have. You are conflating diversification of risk with geopolitical risk. Countries are not apples to apples in the same way US stocks are. When you introduce other countries you're introducing currency risk, hyperinflation risk, natural disaster risk, political revolts, all shit that either the US isn't at risk of or can withstand because it's gigantic. Look at Brexit, why would I even want exposure to Great Britain even though they are a financial center of the world since they shot their own GDP in the foot with one law. Look at the US, you can put an orange monkey in charge and we still grow. It's perfectly fine if you want to invest in $VT, it's obviously a safe investment I just don't understand your reasoning for it over $VTI. You can't just cherry pick the worst decade of US stocks and justify global exposure, if you are truly an index investor you would have kept money in US equities until today and been better off for it. 1999-today in US equities is better than international index funds.

Academic-Art7662

Even Jacky B. didn't like international. IDK why that sub insists on VT and not just VTI

Chicken65

It's not VT that's the problem, it's the idea that introducing international exposure gets you better returns. VTI has outperformed VT short and long term. Global exposure is high risk low reward in my opinion.[https://stockanalysis.com/etf/compare/vt-vs-vti/](https://stockanalysis.com/etf/compare/vt-vs-vti/)

Fun_Grapefruit_3416

So tell me what’s wrong with VT?

Fun_Grapefruit_3416

Ok? VT isn’t their fund, and has nothing to do with them. I’m still buying the market through a passive index which will beat more than 95% of all managers during my 3 - 5 decade long investing time horizon.

Putrid_Pollution3455

You could do VT if you want

Chicken65

Isn't going from SP500 to VT a big jump/very different? If all you want is to get rid of the human screening, **VTI** would be the choice, no? Jumping to a global index is a big change with VT.

moozach

[SPY vs VT](https://portfolioslab.com/tools/stock-comparison/SPY/VT)

Somoch-MoraguerRRR

I’m a crypto degen and I’m here to tell you: please don’t put a significant amount into crypto, especially as crypto markets are just setting new all time highs, *especially* if you have no other investments to fall back on. First, create an account with a major brokerage. I like Fidelity for a bunch of reasons (great funds, better trading tools, more flexible than Vanguard, lets you dabble in crypto if you really want to, great checking account product too) Then ask yourself: if the market saw a big contraction in the next year and your portfolio lost 30% of its value, how would you feel? Do you want to use this money for anything in the next 5 years? 10 years? 20? I’ll say that if you plan to use the money in five years or less, put all of it in a money market fund. SPAXX is great. FDLXX has a roughly similar yield but is not subject to state and local taxes because it invests mostly in treasuries. If you live in a state with income tax or you are a high earner, FDLXX may provide better after-tax returns than SPAXX. You should research more from here if this sounds appealing. If you are not comfortable stomaching a possible 30% loss in value over the next 10 years, you should invest in stocks but tilt more conservative with a bond allocation. Anywhere between 10-40% of the money should go into a low cost, diversified bond fund like BND. The remainder should go into diversified index funds—either some mix of US and International like FSKAX or VTI plus FTIHX or VXUS. Or you could take the lazy (but still extremely valid and maybe even preferable) approach of putting all of your stock allocation—that is, whatever you don’t put into bonds—into a global fund like VT. If you have some risk tolerance and a longer time horizon, I would say it’s worth considering a 5% allocation to Bitcoin either by holding it directly on Fidelity Crypto or Coinbase or whatever, or by holding one of the Bitcoin ETFs like FBTC or IBIT. But don’t go crazy. Crypto his high risk / high reward. Most of the folks you see here will tell you it’s tantamount to gambling. I disagree on balance, but they’re not entirely off base. This is an entire debate unto itself.