VT

Emotional-Power-7242

I'd honestly save up for a programming course or something, $20/hour for a machinist is criminal. I'm on $55/hour. Anyway you can put all of your investments into VT or a target date fund, doing this will outperform picking random individual companies.

thorn960

The anchors of my portfolio are BRK b, VT, an S&P 500 index mutual fund and a small cap value mutual fund (Royce Funds). I only dedicate 10% of my portfolio to stock picking. Stock picking for my entire portfolio would be a full time job and I still wouldn't beat an index fund. Mostly I do it for fun.

pseudonominom

Once you have an emergency fund, just put extra cash into VT, VTI or some other total market fund. You don’t need to read a book for now. The important thing is to start.

DiegoMilan

Yep pick VOO, VTI or VT and chill knowing your investing in an index endorsed by Buffett, Bogle, and Collins. If there’s ever a good time to listen to your elders, this is one of em!

larrytheevilbunnie

VT and chill

kcrawler

VT.. may even go a little wild and get VTI + VXUS

officejobssuck1

I have a target date fund on my Roth IRA I max every month on my own and then any leftover money at the end of the month goes into my brokerage. My brokerage has just VT and VOO, honestly. Smaller money in SCHG for volatility. Personal preference honestly

Kemaneo

VT was made for you

Bman282828

VT and chill

crazybutthole

so wait - you are saying - hey this ETF is doing really good and its at all time high! nah - i dont want to touch that - let me find something shitty instead the great thing about the sp500 is that it is almost always hitting a new all time high - every few weeks or every few months......thats what it does. if you go back over the past 3 years - it has spent 7% of the time at all time high - averaging once about every 16 days. - if you have a theory that international stocks will beat sp500 in the future go for it - get him to buy VT or even mix the investment - 50% sp500(voo or similar) and 50% international developed country fund - like IEFA.

BitcoinMD

It’s almost always at an all time high, that’s why it’s a good investment. Although I would argue VT is better.

Sugamaballz69

I’d recommend VT over VOO especially for now. Anyways about 2/3rds of VT *is* the s&p500 or so, so its not like its radically different.

ExtremeIndependent99

VT and chill. If we have a sell off, reallocate into a concentrated position to capture eventual upside.

quintavious_danilo

VT

RJ5R

ah ok. i'm lazy and just do 100% VT

FRNAP13

Be fully invested. Never keep cash more than 5% of cash. Do Roth IRA or backdoor Roth IRA. Don’t only do VOO or VT, add some growth like QQQ or VONG. Invest in Direct Indexing, same as VOO with Tax Loss Harvesting. Take an advisor if you panic sell.

helpwithsong2024

Then go with VT, that's literally the entire global stock market. Most diverse you can get.

Da_Cum_Man

After being constantly burned by following my fellow regards here I'm just purchasing and holding $SPY, $NDAQ, $DIA, and $VT in even amounts. I care not for yearly returns, I care for the long term

quintavious_danilo

SCHD is a bad investment, period. It’s only shilled by youtubers and redditors who have no idea how to grow your wealth. Put everything into VOO/VTI or VT and let it compound.

Pathbauer1987

Dollar coat average VOO or VT and chill

xcexoztykl

First of all huge props to you. I’m not too much older than you, at 24 . But I only started investing at like 21-22. I only have a net worth of abt 50k with almost 40k of that invested. Imagine if I started at your age! But most people don’t even start in their 20s, so you and I are both ahead of the curve. So you’re doing great with 66k at 18, and huge respect that you’re even thinking about this , let alone the amount you have. As for the investing advice, S&P 500 (VOO), or total stock market (VTI + VXUS or VT) are all good choices. Growth funds are also optional, but keep in mind the top companies in the us are mostly tech anyway.

Sugamaballz69

For the responses saying to start an IRA or Roth IRA for an 18 year old that doesn’t even have a standard individual brokerage account yet is just not right. He won’t be able to access any of that til what.. 67 i think it is now?? Ridiculous Start him off with a regular brokerage account, contribute a set amount a week (say $50-$200) into $VT or $VOO (total US stock market, S&P500, respectively - very similar). This is for mid-long term outlook (5-20 years, leaning more into the latter) where it really starts to balance out and compound. For just collecting the interest in the same account (cash equivalent +about 3.8% / year as of today), $VBIL. This would be for strictly cash savings that you don’t want any risk of short term depriciation. Other than that i would set aside about 10% of the account actual cash - In the end, say 80% $VT 10% $VBIL 10% cash. Certainly open to adjustments based on risk tolerances

BitcoinMD

VT, or ITDJ if it’s a retirement account. If you want to do crypto, check out NCIQ, it’s a crypto index fund.

ExtremeIndependent99

I cashed out a bunch of Bitcoin before the crash and put it in VT to fully globally diversify. Bitcoin was really volatile and I wanted to derisk.

luke_530

Either VT or VTI &VEA+VWO

live4failure

VT for buy and hold. SPYI or QQQI for similar but with some dividends if you need cash. I would also suggest learning a basic strategy. Look up something like how to buy dips using EMA to build skills and learn your way around the trading software. Simple strategies can be used to help improve cost basis. Anything else is gambling until you have read a few books on fundamentals, economics, and FIRE type goals. If you are looking for passive income, that's a more advanced topic due to the exponential increase in risk.

luke_530

Vti, vgt, vea & vwo. Also, open a roth. Do VT in roth, or a TDF 10 years past the year you'd want to retire. Then you don't need to worry about retirement as long as you max that thing out every year, tax free growth. Then open a brokerage with some combo of vti and vea+vwo. Throw in vgt if you want some growth.

zachmoe

A mix of VT, gold, and Bitcoin, and plenty of FRNs, so you can hold onto the other stuff longer and have something to sell should you need to raise USD.

Aerzon_

Could've stuck it all in VT and guaranteed an awesome early retirement for the not so distant future.

Odd_Rip_568

• Core: broad ETFs like VTI, SPY, or VT • Add 1 solid stock: names like AAPL, MSFT, AMZN, or GOOGL, businesses that are profitable, durable, and easier to hold through swings Skip options for now. They’re rough on small accounts. Build the base first, then take more risk later when the portfolio’s bigger.

yad76

Well, except you are making assumptions on the current breakdown of US versus international, plus neglecting that VT has a slightly higher expense ratio, plus neglecting that VT holds far fewer stocks than VTI+VXUS but this is Reddit so whatever. Downvote the quality answers and upvote the crap!

taplar

Personal opinion, just do it. Figure out a break down you would be comfortable holding, say, VTI and VXUS.  Let's say you decided to go 70/30, and then VTI corrects. You then have the option to rebalance VXUS into VTI to get back to 70/30, thus capturing the lower cost basis. Or if one of them out performs, you can take gains to rebalance back.  Or just go VT and ignore trying to get lower cost basis. 

NegotiationJumpy4837

Assuming they are comparing vti+vxus vs vt with identical percentages, vti+vxus is more tax efficient. In order to claim the foreign tax credit, an etf's holdings have to be > 50% foreign. So VT doesn't qualify for the foreign tax credit, whereas breaking it up between vti/vxus means you do get to claim the ftc on vxus.

thorn960

Probably VT and BRK b

LeastTension0

VT

Dear-End8908

You can do margin. Like a 10% on $VT. Trading -> losing money.

tomtim90

I'd recreate VT basically. I'd probably take 90k and put it into 50% SCHB, 10% SCHD (value/defensive tilt), 30% SCHF for international, and 10% into SCHE for emerging markets. The other 10k I'd put into something fun or something I believe in which for me right now would be RKLB or physical silver.

house9

Down payment on a house, not as an investment but a place to live. Otherwise: VT

Helpful-Staff9562

Do you even know what VT is? As it seems you don't

Swirl_On_Top

Just do VT which is a combo of these two, total world index.

zachmoe

Just buy the few things investors watch. VOO (or VT if you want international exposure and less idiosyncratic risk), Gold, and Bitcoin, and a healthy amount of FRNs so you can hold onto the risky things, longer.

djd1985

VT

Affectionate_Put7413

VT

clingbat

I had a bit over $100k in HYSA and just shifted it over to Fidelity in a premium govt MMF (FZCXX) and then put 70% of that into VT and left the remaining 30% in the MMF for now (it's still earning more than HYSA was).

mustachechap

Not in my lifetime. The SPY will outperform ex-US and VT for the remainder of my life

Vivid-Rich4476

Nice, simple plan. Global diversification with VT as the core feels like a safe long term bet, especially if US growth slows. Keeping tech and BTC as small tilts instead of the main focus also seems sensible. For 2026+, staying consistent and not overreacting to forecasts might matter more than chasing trends.

blorg

Under 50% actually, most target date funds have substantial international equities which is the largest difference. Vanguard do 60/40 US/International in equities. There is a bond allocation, small in the late-date funds, but still 8-10%. Then, 12% of the US equities are outside the S&P500. Used by a bit more than that but the US market has got more concentrated. Vanguard Target Retirement 2070 Fund, which is the furthest out they have, works out 48.3% the S&P500. Anything closer in date it will only get lower due to the bond glide path. So they are meaningfully different. Target dates will be closer to VT rather VTI or VOO when they are far enough out they have a small bond allocation. Coincidentally, their US/International allocation is similar at the moment, VT is 63/37. But the Vanguard target weight funds specifically do 60/40 (they moved to this from 70/30 in the last decade), while VT the allocation floats by market weight.

AICHEngineer

I would qualify that intuition with the fact that Madoff's ponzi scheme resulted in broad financial regulation that changed the relationship between brokers and custodians. Momey managers could no longer both be the custodian of the investment as well as the broker (the one making the trades and managing the money). It was only in this integrated structure that madoff was able to commit massive fraud and obfuscate what he did with the money. Could you tell us which specific AQR fund theyre advising? AQR is a well respected firm. They have countless white papers out on their website describing the research theyve done to arrive at their current product formulations. If your FA has laid out math showing that your specific tax situation (assuming youre a high earner / NW individual) would make you better off long run despite the management fee, then its probably the better deal for you. You could also just dump the FA and hold a basic fund like AOA (80/20 VT/Bond index) that only charges 15 bps. Or you could run your own personal portfolio and save on FA fees and hold index funds and multiple asset diversifiers like bonds. Gold. Managed futures. All of these are accessible to us retail investors these days

AICHEngineer

This may be a chat to have with your FA. Complexity and tracking error may just not be right for you, even if on a pure math basis you would end up richer with AQR. In the world of quantitative investing, AQR is very legit. Some of their funds are the absolute best means of accessing factor tilts, trend, multi-asset diversification (QLEIX, QLENX, QHFNX, QSPIX, etc), and theyve been doing financial science stuff to make their strategies much more tax aware. They have way more tools to offer you than just tax-loss-harvesting long-only funds. They also have long/short factor tilt funds, trend algos, US beta + l/s, but yeah their fees are very high. You have to really believe in the factor premia and trend to buy the style products. But, results do speak for themselves like QLEIX (total world stock market long/short value/profitability/momentum factor tilt fund) vs VT (MCW total world). QLEIX has crushed VT on returns and with way lower volatility and drawdowns.

Knicks82

I’m a weirdo and basically have 90% of my holding in VT/avuv/avdv (80/15/5), but then the remaining 10% is divided between 2 stock accounts, each that have around 25 positions (so around 50 total). I just really enjoy it but I keep my 90% core untouched no matter what.

Shdwrptr

VT is massively US heavy

raisedeyebrow4891

I have way too many and in the end VT and chill or VOO and chill is likely the best strategy. More is not better, although it looks nice if you have something that’s up 70% like SLV

mustachechap

VT and chill

Gimme_All_The_Foods

VT is the move to make. I love all the comments that are saying you only need US, international has been a loser forever, etc. Perhaps a graph showing returns over some decades will help? https://www.bogleheads.org/forum/viewtopic.php?f=10&t=253686 It's a good thing investors don't have to choose one or the other; they can own both.

Moby1029

For real, im up 15% total. Up 20% on my vti holdings, 15% on my VT holdings and then a few speculative bets that are also mostly up, but a few down. Today? Down 0.72%

Emotional-Power-7242

A target date fund contains US equities, international equities, and bonds. It is reasonable to not hold bonds at 25. However it is not reasonable to hold only US equities with no international. So if you are not doing the target date fund you would want to replace it with a world market index like VT, rather than just an S&P500 fund.

GesturalAbstraction

All you had to do was buy VT or VOO and do nothing forever, silly

Helpful-Staff9562

The haystack woudl be VT not VTI. USA isnt the only country on earth

Helpful-Staff9562

100% in an all world etf like VT

Pickpockets_warning

Zoom out at the last 1 year, 3 years, 5 years MSFT stock has a habit of going up and then dropping for a while and then later going up even higher. You didn't lose money because you didn't sell. Just sit and wait. Nothing in life is guaranteed but that is a pretty safe bet, long term. VOO can also drop. Look at where it was in December 2021 and what happened to it in 2022. If you had invested in VOO in December 2021 you would be in the red until December 2023. But by 2025 you would have those sweet sweet gains. If you don't want to babysit your portfolio, just dollar cost average with monthly automatic contributions to VT. And don't put your emergency fund into stocks. Have 6 months of expenses in something boring and safe like a money market ETF or a high yield savings account. That money won't grow much but it also won't drop.

gmenez97

"International lagged but this year was different." They say this every cycle. US has outperformed for a decade, but international has its moments, like 2025 so far (VT up 21.60% YTD vs VTI up 16.79%)." The above implies VT is an international only fund which is incorrect. VT is both all US and all International. Should be using VXUS as the comparison which is 30% YTD because it is the total international market fund.

Heyhayheigh

More diversity = safer. More risk = more reward. Why would safer = more reward?? Expecting a more diversified portfolio to outperform is like expecting a safe soccer mom minivan to outrun a sports car. I understand the “reason” for diversification. But I prefer the growth. When your portfolio underperforms, you will compare it to the sp500. Why not just invest with the measuring stick? I agree with your arguments by the way, feel free. Use VT. I will stick to the measuring stick and Nasdaq. All good in the hood.

CapeMOGuy

Why not 100% into a world total stock ETF like VT? There is no guarantee that US will continue to outperform in the next 15 years like it has for the last 15. I would argue that it might even make sense to slightly overweight international as the developing world creates its middle class and consumer demand and industrial development there soars.

Heyhayheigh

VT is simpler for more diversification. Sure. But not sure why that is seen as “good”. But OP is 41, he can do that in retirement accounts when retired. He should be focused on easy increase. Sp500 is diversified enough for DIY investors. There is a reason Buffet recommends it. Everyone here fancies themselves an amateur hedge fund. You want true balancing towards goals: hire a trustworthy pro.

gmenez97

VT is simpler. Covers total market US and International, market cap weighted, with no bias. Your recommendation only covers U.S. large cap with a tech tilt. That is speculating on a specific segment of the market, less diverse, and increases volatility.

jaydee288

Soo basically VT and chill

gmenez97

The above is speculating on continued US market growth over international growth with a concentration on Nasdaq stocks. If you believe that and can handle the volatility go for it. VT is market cap weighted for U.S. and International equities. Does not require you to speculate which segment of the market will outperform or underperform and will have less volatility. VT is simpler. “Past performance does not guarantee future results”

Artistic-Western6342

"International lagged but this year was different." They say this every cycle. US has outperformed for a decade, but international has its moments, like 2025 so far (VT up 21.60% YTD vs VTI up 16.79%). Switching now based on recent performance is trying to time the market. No one knows anything. VT includes about 60% US anyway, for a slightly higher expense ratio (0.07% vs 0.03% for VTI). Stick to your plan, or make a new one and ignore the short-term noise.

TiredWiredAndHired

Bro, just buy VT or VTI, please!

zooka19

You have a gambling addiction. I have a friend who does this as a day job, and I'm too shook to follow his trades, despite his success rate being like 94%. Then you have others who just yolo away their savings, Reddit can't help you. Once you have yourself sorted, I suggest just buying VOO or VT.

maicii

Instead of splitting it yourself you can buy VT it’s already the split of VTI/vxus

trix_is_for_kids

This shit just reminds you to stick with 5% of your portfolio to gambling and keep the rest in VT or something similar

vultur-cadens

If you already have held VTI for 15 years, you should probably use new contributions to buy VXUS to add international exposure until you're at your desired allocation. Selling VTI now will cause capital gains taxes. I've been adding VXUS since last year, and now VXUS is around 39% of my equities which I believe is close to what international makes up in VT.

Dirkredblade

Fair point, now compare the past 15 years lol. Not sure one year is enough to change my whole thesis. Like I said, I personally perform better when I don't change much, it's why i didn't allocate more of my VTI to QQQ, even though QQQ has crushed VTI for the last 5 ish years. Because I saw how long it took for tech to recover after the crash in 2000. Again, I fully admit that I should have more VXUS, not sure I'd agree that it should be 40% like in VT, but I should probably have 25-30%. Personally, my biased brain just expects USA equities to outperform the rest of the world as a whole most years. Yes, single countries will outperform the USA often, but for every Korea or Brazil outperforming, there will be another country way underperforming, dragging down the ex-us average. I just trust USA resources and greed to outperform most of the time.

NoActionAtThisTime

Makes me glad I'm more of a VT person vs VTI.

Emotional-Power-7242

If want to autopay and forget about it for 40 years buy a TDF. If you want to autopsy and forget about it for 20 years and then in 20 years have to figure out what bonds are, buy VT.

Emotional-Power-7242

Only buy ETFs because diversification is overpowered. Core holding is just VT. 401k is 100% VT (will eventually include bonds). Roth IRA has some higher risk assets such as small caps. Taxable has some leverage and carry trade stuff but the actual assets are still basically VT. For most people they should just buy 100% target date fund in everything and enjoy life. There's a definite advantage to handling bonds (and by extent risk) yourself though, because everybody's situation is different and a target date fund is just the average appropriate risk for your age. Also there are some arguments against broadly diversified bond funds, and the bond market is less efficient than the equities market. But even if you handle bonds yourself your equities should just be VT, 100%.

Far_Jellyfishs

VT is a great tool for navigating market volatility. Are you solely focused on VT, or have you considered other ETFs?

benhurensohn

By VT and chilling 

alderson710

once I recover I will full port VT. I'm tired of this fake ass market.

Metni_erni

Hi everyone. First of all when i say sp500, i mean all USA. (And around 60% of VT ofcourse) I’m going to be honest: I have zero hope for the SP 500 and its future. The US has lived through a "Golden Age" for the last 10 15 years. I wasn't in a financial position to invest during those times, so just like the Bitcoin craze, I missed this wave too. It wasn't that I chose to miss it, I just wasn't even at the investment era. I am going to start investing in the coming years, but the classic "Buy VOO and chill" advice gives me absolutely no confidence. We all know the current situation of the US market. AI bubble or not, I look at the big picture. And in this big picture, I don't see a good outcome for US investors. Maybe there are a few good scenarios out of millions, but the odds are low. To keep it short: A lot of research and statistics show that the market will slow down or even stall. Of course, this won't happen over a century, but maybe we will see a recession or stagnation for 5 or 10 years. During this time, everyone will say, "This is an opportunity, buy the dip, we will be rich later." But I don't believe that "rich future" is coming anymore. You will just be left with the "cheap" stocks you bought. OR (and this is a big OR), the rally and party will start only after we retire and cash out. In that case, our investment timeline simply wasn't enough. We will become a "buffer generation." I know there has never been a 30 year period in financial history with zero real returns. HOWEVER, for the years that you and I are investing, returns might stay at funny numbers like 4% or 5%. Recent reports from Goldman Sachs, Vanguard, and JP Morgan are saying exactly this. In the past (the Golden Age we left behind), everyone could double their money in 4-5 years. Those who bought Nasdaq-100 funds (QQQ) basically went to the moon. But guys, I am saying that era is gone. We missed a huge train. Just like BTC. You might say, "Then invest in non-US markets like VXUS." You are partly right. But we will never reach the old "SP 500 comfort." I am not talking about performance; I am talking about peace of mind. Investing in China, Indonesia, Vietnam, Korea, Japan, Europe, Brazil, etc., will never replace the place of the SP 500. These markets are in bull for a couple of years. And then 5 or 10 year silence. In my opinion, emerging markets are unreliable. They are "developing" for a reason, not just their economies, but everything. You don't know what will happen tomorrow. At least with the SP 500, things are clear. And Europe? It’s like an old grandpa. That is exactly where the US is heading now. Don't be surprised if the long-term average is around 5%. In short, I have no faith left. I used to be a person with dreams, but forget about being rich, I am not even sure if I will be comfortable in retirement. In the past, people who dumped money into index funds became wealthy with large amounts or had a comfortable retirement with small amounts. But for the coming period, getting rich is a fantasy. You will invest big money just to have a retirement supported by social security. And if you have no one like me, you have no escape door.

zendaddy76

How about 100% VT? Automatically rebalances.

watch-nerd

VT and chill

Pendulumswingsfreely

Going to have to go more VXUS? I got into VT, but now understand that there are better tax implications.

James___G

VT and chill

taplar

Yeah, came here to say this. VTI is not total world. VT is. But it is only equities. 

jacobf33

What about 70% VTI, 30% VXUS? I know it is wildly different than what you suggest in your title /s. In all seriousness, this would give you full coverage of the global stock market. You mentioned VTI having 15% international, this is not true, VTI is Total US Stock Market, so you would need to VXUS to gain international exposure. If you are looking for the “one and done”, you are thinking of VT, it has total world stock market exposure. IMO, VT is only better if you want to be completely passive and hands off, due to the auto rebalancing. If you plan on being involved at all, VTI & VXUS will give you a tiny bit more control.

TerranOPZ

VOO, VTI, and SPY are basically the same ETF. If I am index investing, I only buy VT. It's the most diversified index in one ETF. You can buy stocks in addition to VT. I'd be careful about picking too many individual stocks at first if you are in experienced. You really don't want to get clapped on stocks like what happened to retail in 2022. I get it everyone wants to get rich quick, but also consider the risk as well.

AbbreviationsOld636

lol right? VT was flat. 0% down. BLOOOODBAAAATHH!😂

BonelessSugar

Not sure what you're talking about, VT is a flat 0% today.

Separate-Analysis194

A boring ETF … VT.

taplar

If you swapped VOO for VT you would be buying every equity. 

Cruian

>I guess my understanding of the general advice might be ranking the usual threes (VT, VTI,VOO) by the level of diversifications Sorry for the second reply: this is a poor way to think about it, as described above the additional diversification for each "tier" actually adds riskier (and what should be compensated) types of risk. Look at what the holdings are, not the count.

Classic_Web5494

That is a fantastic question and exactly what every investor should be chewing on as we wrap up the year. The Vanguard report really sets up a solid framework for the big picture, and honestly, my own game plan aligns pretty closely with what they are suggesting. Here is my take on 2026 and beyond. First, the "US Exceptionalism" narrative is likely cooling off. For the last decade, dumping money into US stocks, especially tech, was basically the "easy mode" for making money. But that extreme gap can't last forever. As Vanguard pointed out, valuations for big US growth stocks are sky-high, and expected returns are dipping. Money is likely going to start hunting for better value in other parts of the world. Second, we are entering a new normal for rates and inflation. The days of zero interest rates are probably gone for good. We are looking at rates settling higher, maybe around 2-3%. This means two things. One, bonds are actually attractive again. Getting 4-5% risk-free is a huge deal compared to the past, making them a real anchor for a portfolio. Two, the bar is higher for companies. In a high-rate world, you actually need to make money. Companies that just burn cash and tell good stories are going to struggle. Third, diversification is the only free lunch in investing. In this kind of uncertain environment, betting everything on one country or one style is dangerous. Spreading your bets globally matters now more than ever. Here is my personal game plan using a Core-Satellite Strategy. It is similar to the "VT and Chill" approach you mentioned, but I add a few satellites to catch specific opportunities. The Core (70%): Vanguard Total World Stock ETF (VT). This is the bedrock. Buying VT means owning over 9,000 companies in more than 40 countries. I don't have to guess which country will boom or which industry will pop. I just buy the whole haystack. The Satellite (30%): This is for specific exposure. I am putting 10% into a Global Value ETF. Since value might beat growth soon, I want to capture that rotation. Another 10% goes to Emerging Markets. It is riskier, sure, but the valuations are cheaper and the growth potential, especially in Asia excluding Japan, is huge. The final 10% is for Alternative Assets like Gold and Bitcoin. I am not banking on them to moon, but I treat them as insurance against black swan events. The logic here is simple: Use VT to secure the market average, use the satellites to chase a little extra upside, and keep the alternatives as a hedge. That way, I can sleep soundly at night without worrying that I am missing out on the next big opportunity.

Ok_Basket4862

That is a really interesting question. You see so many people chasing after Michael Burry and The Big Short crowd, but frankly, it is way smarter to study the guys who are actually winning big right now. You are spot on about Josh Resnick and his fund, Jericho Capital. They have been absolute standouts in the market throughout 2024 and 2025. Based on public filings and media reports, Jericho Capital pulled off a massive return of nearly 60% in 2024. Resnick is a specialist in the TMT sector, that is Technology, Media, and Telecom, and his success really comes down to nailing his bets on AI and tech stocks. Looking at his portfolio from the third quarter of 2025, his top holdings are exactly what you mentioned. AppLovin is his number one pick, making up over 15% of his portfolio, followed by Warner Bros. Discovery, Google, Nvidia, and the fintech company Nayax. So, what is the takeaway for us here? First, it is about focus and deep research. Resnick has spent a long time in the TMT space and understands it far better than the average investor. This teaches us that sticking to your circle of competence and doing deep research is key to getting those outsized returns. Second, he has serious conviction. His top five stocks make up over 40% of his entire portfolio. That shows he is not afraid to bet big when he is confident in his analysis. Third, he knows how to ride a trend. His success is tied directly to this massive AI-driven tech bull market we have seen over the last couple of years. He positioned himself perfectly for the biggest trend of the era. However, should you try to copy his homework? I would strongly advise against it. The biggest problem is the data lag. By the time you see those 13F filings, the data is months old, and he might have already sold or changed his position. Also, hedge funds use complex strategies involving shorts and options to hedge their risk, which are tools most regular investors cannot replicate easily. Plus, running a portfolio that concentrated is incredibly risky. If you make one wrong call, the losses can be devastating. The bottom line is that you should definitely learn from his philosophy and how he researches, but do not blindly copy his stock picks. For most of us, sticking to a diversified index fund like SPY or VT is still the much safer bet.

chuch1234

You know what else outperformed the S&P500 YTD? _VT_.

ReferentiallySeethru

I’m more of a VT and chill guy.

PandaCalves

Yep...and both silver and platinum have outperformed gold! In fact, all of the precious metals have handily outperformed NVDA, SMH, QQQ, and VT YTD. Like I noted below, my initial commodity positions were a hedge...but the hedge has become the trade.

BHOmber

No one knew that was coming. Keep your VT in play and potentially rotate out if MSOS falls back to support like it usually does.

UsedState7381

My portfolio has been nothing but MSOS since August 2023, with some VT on the side. I should have fully pivoted into MSOS last week, dammit!