VT
Vanguard Total World Stock Index Fund ETF Shares
Mentions (24Hr)
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Am I overthinking my finances and investment strategy?
Inherited 200k from grandmother. What is the best move?
Feel free to roast my investment portfolio. What would you change?
Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Wanting to buy LEAPS calls, but the stock market doesn't look good
8 Investment Lessons I Learned from Stay Calm by David Booth
Isn’t concentration actually proven to win over the long term? .
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Any way to minimize USD currency risk while still tracking the total market?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
What’s the best way to draw down from a money market fund?
Simple IRA through work and personal Roth IRA (35)
Sooner or later, the lights will come on
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Is my cash reserve too high for my goals and portfolio?
Am I the only person that believes the 40 or 50 peace deals that pumped the markets was super unhealthy?
40% of Stocks Experience Catastrophic Losses, and the Best Performers Suffer -69% Drawdowns on Average
Options Overlay Strategy Using Cash Settled Options
Investing vs Buying a Nice Car? or Try to Do Both? I am Young, Worth It ?
Came across buy and hold 17% CAGR portfolio backtested since 1987
Cosmos Health Provides Balance Sheet Update: Highlights European Investment Bank Financing Discussions for up to €25M, Eliminates 38% of Warrant Overhang with No Dilution; Reaffirms Growth Trajectory; Notes No Known Business Reason for Recent Share Price Decline
As a strict Boglehead indexer, I went in hard on $SPCE calls as soon as I heard the case for it.
Will VT tank severly when correction on semiconductors comes?
What is the best strategy to allocate and optimize a 100K investment?
Recently gifted a $12,500 brokerage account with E*Trade
Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss
For parabolic gains DO NOT read this. It's just a Samaritan text for thise in despair.
Forbparabolic gains DO NOT follownthese advices.
Thought Experiment: What if everyone just DCA’d into VT?
Funds like VT that don't have the typical index problems
Questioning if the extra etf in my portoflio actually improves expected returns or just adds volatility
Roth or Brokerage for individual holdings - what is best?
What would you do with money gifted from family?
DD: All-in-one ETFs are probably the smart play right now… but I’m still YOLOing options cuz I’m broke at Wendys
Today is the day I finally accepted the truth about stocks.
85/15 VTI & VXUS in brokerage, 85/15 FZROX & FZILX in roth ira
Any tax implications/forced sale if/when a massive company gets absorbed into VT/VTI?
When It's Your Time, It's Your Time-
Unpopular Opinion: QQQM beats VOO over a 30-year horizon
EHang’s 2026 Strategy: Moving from the EH216 to the VT-35 (200km range)
EHang’s 2026 Strategy: Moving from the EH216 to the VT-35 (200km range)
Any specific ratio to set up recurring investment for Roth IRA long term?
Begginer here first buy: should i buy UCTIS ETFs or US? Eu based
Just YOLO'd $89k into QQQ / VT (65/35 split)
Non-US resident. Alternatives for US ETFs for 5 to 10 years’ investment period.
Risk-free flip with loc to buy XEQT(VT equivalent)
Seeking Advice: Living Off $1.8M Portfolio, Growth vs Dividend ETFs
Add more on Monday? (Added $40k on Thursday)
VTINX (Vanguard retirement fund) as a medium term investment in a taxable brokerage account
Just moved $200K to VT because I stopped believing in the American Exceptionalism narrative
Does VTI have ~5% higher expected future returns than VT in tax-advantaged accounts for U.S. investors?
VTI or VT?? (70% VTI - USA and 30% VT - International)?
Mentions
Hold DRAM. And never pick stocks again. Stick to VT/VTI/VOO. If you find yourself itching for a cheap thrill, put 5-10% in SPMO.
never thought holding VT would feel like a wild roller coaster ride but i mental illness finds a way
Just buy VT, set it up on auto investment, and never look at it.
I usually look at forward pe and 250 day moving average. If macro environment looks ok, I add to my positions where I have conviction. But this is in my Roth and I’m holding for at least 10 years. I started doing this in 2016 and have outperformed VT by 82% in my “play money account” (which I limit to about 100k). You can’t win them all, but the pullbacks in 2018, 2020, 2024 (tariff tantrum) and 2025 (Iraq war) did wonders for my individual positions. That said, 90% of my investments are in VT or TDFs. This year I’ve added to MRVL, AMD and TSM in April, CRWD in July, MSFT in August, and Google and AMZN on Friday (first time buying AMZN). I still hold AAPL (my first stock pick in 2016, followed Buffet) and NVDA from 2020. Play the long game and be patient. I’ll be retiring 3 years early bc of my winners. 👍🏽
It’s not just money lol. This affects a lot more than that and I’ve seen the mental damage this can cause. If you have kids and a wife as a man you should really really cash out everything and start DCA into VT or some other brain dead etf
This. At 33 VT will make you rich long term. No need to speculate.
Disruptor disrupting for 25 years? Then its no longer distrupting. Stick with VT, Voo bro
bought about 15K worth stocks today. AMD/OCRL/VT/QQQM
I lied. I just bought more $VT instead of waiting. We are gonna get a Trump TACO before the elections. I wouldn't want to hold crude oil or shorts over the weekend.
Anyone in VWCE or VT here? I know ETFs are too calm
$VT helps and cuts the market cap of $VOO stocks nearly in half by adding roughly 38% international stocks and also the entire US stock market including stocks outside S&P. $VTI is the entire US stock market adding in small caps to $VOO. $VXUS is all international stocks ex US. I would start there instead of buying more $VUG, $SOXX, $QQQ, $SPY or $VOO positions.
I have an open limit order to buy more $VT at $152. I still think $VT and chill > $SGOV and chill. But, we shall see if you are finally right this time.
Adding to VT. All along the way.
Does $INTC crash remind you of 2001??? These last 2 weeks remind me exactly why I moved to 90% ETF's. -3% down days hurt, but you don't have large positions w/ -28% days like Intel is having wreck your entire port. Fortunately I sold my $SOXL position yesterday. I'm taking swings on opening positions in $CAT, $SKHY, and $NFLX this morning. I will likely buy $DE as well. No more than 10% in individual stocks. My port is 90 % $VT, $VXUS, $EWJ, with some shinny Gold paperweights holding the whole damn thing down. This might not work but $VT is my port's foundation and $VXUS is its support. $EWJ is that fancy garage where I listen to Rock music and work on my other hobbies. If you are right and AI data centers cap ex is over $VXUS will absolutely under perform $VTI short term. I don't believe that is the case. Now I'm gonna listen to that new NEK! MV for the 10th time. Rock music is so back. Cheers.
Right there with you lmao. Started in June so I just conversed to the VT and chill world
Personally I have been eating the expense ratio and adding RSP to my portfolio, and dialing back the target allocation for VTI. For my kiddo's VT position I am just letting it ride. Her timeline is far longer than mine.
I have the same idea, but change SPY to VT, and change QQQ to IGM+SPMO.
What do you have for stock funds? And check the expense ratio. You want to find a broad stock fund with a low expense ratio. 0.03% for VOO or 0.06% for VT are some exaples. You want under 0.1% imho for US stock fund.
VT bruh VOO is too risky now
Why aren’t yall investing in VOO or VT?!
Not funny. But real talk family savings in VOO or VT or VIG is chillin. No tension
Can’t wait to DCA into VT now
Are you asking for advice on investment selection? Or account types for investment? In a 401k there is no tax drag for trading if you don’t have fees to trade (which is typical) so you can experiment without long term structural issues like in a brokerage account. My personal feeling is eventually simplicity wins so I would basically go nearly 100% stocks in your retirement account at 19. An old fashioned advice would be a Sp500 fund like VOO. More modern might be a total market fund (Russel 5000) like VT. You could diversify more by adding al international with something like VXUS or increase exposure to NASDAQ. Any of this could be reasonable at your age and investment level.
For reference, VEQT is the Canadian equivalent of VT. With the weightings changed due to a variety of reasons that Vanguard published papers about.
TIL frankfurt stock exchange was founded in 1585 and NYSE 2 centuries later, only international exposure i have considered is DAX and VT
Dont fuck this up. VT is gaining ground
Sold at 357 and transitioned all my positions to VT. AMA.
>grows above inflation but has close-to-zero chances to ***EVER*** be in the red No such thing. If your timeline is more than 5 years then Index funds. VT or VTI and chill. You gambled with individual stocks. If less than 5 years a HYSA or CD. They will be pretty even to inflation, but will lose no money.
[https://www.youtube.com/watch?v=VT2XqWxapbM](https://www.youtube.com/watch?v=VT2XqWxapbM)
Ask your bank to put you in VOO or VT. Don't let them put you in bonds. Can buy TLT and GLD in small amounts (maybe 10% each) since they are cheap enough right now to actually hedge a crash efficiently. But do sell all bonds in the next market crash if yields do in fact collapse.
My advice to you would be keep 3-6 months of expenses in vbil (i prefer to sgov slightly) and put the rest of your money in VT or VTI/VOO if you dont want international (I would go VT). Is your advisor beating the market? How much do they charge? Plug those numbers in and see if its worth it. Most advisors will charge you a fee and still not beat the market, much less if you include the fee drag.
Adapted by switching to all in on VT strat. I'm a pussy and I miss the excitement 😔
Buy VT instead of options lol
I think if you drove by a 612 acre data center construction site on your way to work everyday you might have a different opinion of just how much money is being spent. Then you see all that money flowing into housing (rents), equipment ($CAT, $URI), utilities, local taxes, and the local economy from these data center workers with your own eyes. Now this all has an expiration date. Once the data center construction sites are completed those jobs move to a different community where we rinse & repeat. You also see & hear how unpopular these data centers actually are b/c rents are exploding. I've had more luck buying indices here b/c while the AI cap ex spend will eventually slow, the hope is all this cash that has been pumped into theses economies in reinvested into new housing, utilities, businesses instead of Google and Amazon simply announcing more buybacks and repurchasing their own shares with that same cash. $VTI, $VXUS, $VT, $EWJ and $EWY is where I have been putting my cash vs waiting for these AI companies to go public like Anthropic or Open AI. I want to buy the AI cap ex picks & shovel companies over the OpenAI or Anthropic IPO's. Because I do agree that AI may have serious problems with these companies being capable of becoming profitable. But you can also buy the whole damn world or just the US stock index if you prefer before those inside trader politicians and corrupt central bankers simply turn on their money printers to go Brrrrrrrrr to cover up all their mistakes just like they did during COVID.
Why not just buy VTI or VT and not have to worry about churning or rebalancing? Lol can’t have taxes if you don’t sell
Why not options? or do SCHD/SCHG/VT/VGT etc first then use the proceeds for options and LETF swing trade. There's a lot of crappy l-etfs, only ones I seen interesting are tqqq, soxl, upro, svix (as an indicator too) but I haven't tried them
Take your money and open two accounts somewhere and put $30k into each and either VT or SCHD and chill and forget you have it. Take the rest of the money and fly to the Philippines or Thailand and drink and fuck till your liver or cock gives outs
Fuck options lol. Lost 20K. Going to VT and chill now fuck yall
Geez that is brutal. I felt horrible losing 40k once. Got it back though. I switched to simple and easy S&P 500 ETF and others like it. VOO, VTI, VT, VXUS etc. Go long ride the market lowest costs possible avoid dividends because tax treatment etc. 401k similar but but throw in some income ETFs because of tax treatment QQQI, SPYI, etc in case of a sideways long market. Always making money eventually. I've never been lucky or good enough timing the markets.
The top stocks change every few years. Just look at FAANG, netflix is already dead. Nvidia could be next. So yeah get a broad market etf. VOO is probably better because who knows if tech keeps outperforming (it likely will though). Or something like VT but VOO will likely outperform. Can top up with some TLT and gold since both are rather cheap right now.
You could have just bought VOO, VIG, SCHD, VT, NOBL, QQQM, or SCHG and been doing fantastic.
Insurance. Although if they are young, another factor would be to live off the part time job for a decade, keep the $1.5m in something like VT, and let it double. Then retire. But that assumes one isn't a gambling addict. Which isn't a safe bet here.
Ironically I’m all for lotto tickets. Maxing out 401k and IRA with VT covers the safe bet, a few dollars on lotto tickets every once in a while won’t make a difference when I don’t win, but if I do..
Holding 100% VT? No change.
In general your best bet is to simply adjust your risk in terms of a percentage of stocks and bonds. You can keep this simple: “Growth” or “risk” assets place in VT which tracks the all country world index and itself has “built in” diversification away from the AI trade since it invests in the global equity market, not just the S&P 500 or NASDAQ. The “safety” bucket you can invest in BND/AGG which tracks the US bond market. I have no idea what your situation is or time horizon but in general here are some benchmarks to consider. 35% VT/65% BND. Moderate conservative. This is classic “I want to turtle up but still don’t want to lose to inflation over time”. 60% VT/40% BND - Moderate. This is “I want growth, but I’m nervous I’ll panic in a crash”. If the S&P gets cut in half, maybe you’re only down 20-25% in this scenario. Obviously every crash is different but you get the idea. 85-100% VT/0-15% BND. This is aggressive. Long time horizon (10+ years) only for this allocation. You know you need to earn 7-8%+ over time to achieve your investing goals and you have to be willing to trade “safety” for growth in this scenario. Impossible to have both. The good news is with current starting yields for investment grade bonds, more moderate investors don’t need their stocks to rip like they have for the past 10 years to achieve a decent return. Getting 5% nominally from the “safe stuff” leaves a lower bar to clear from the “growth” side of the portfolio. Let me know if you have questions.
JL Collins even recognizes the U.S. hegemonic decline and has personally increased his VT allocation. History feels different every decade and markets are impossible to predict because they’re influenced by what should happen logically given circumstances economically and geopolitically, but often times are influenced by psychology too. Contrary even to my posts here I think second level thinking is key this time around.
Liquidity and long term investments. Quick two step keep it simple? SGOV (or equivalent short term bond) and VT. Yes you can adjust and tweak with a hundred strategies as everyone is different (18 year old vs 65 yr old retiree, etc.). Adjust accordingly so you have your 3+ years covered in bonds. Or keep 1-3 months cashf or immediate spending, 3+ years in bonds (adjust till your comfortable) and rest in chill growth stocks (if taxable, VT and saves you the rebalance tax impact). If the big crash happens and you go bear for years? thats why you have the sgov/bonds parked for it so you dont hit sequence of returns. and DO NOT PANIC and sell your growth when market drops 50%. You can do better. And you can do so much worse.
2.3M against 70k of spending is a 3% withdrawal rate, there's no strategy problem left to solve here. The one thing I'd actually change is the 6-8 months of cash parked waiting for a dip while everything else sits in VT, that's a permanent drag for something you can't time anyway.
Yes, you are overthinking, which is not strange. Current portfolio fits or not, is depending on your comfort. Point of portfolio is you factored in all of the factors and stick to it, at least for few years, before tinkering. I cannot say if crypto is suitable or not. It's up to your convictions on it. So what i can say is balance growth and defensive and any bets you want, and stay the course. Or VT and chill (with any tilt you want) is also fine.
Yes. Not sure where in the PIGS you’re from but I assume in most of the PIGS you could FIRE. Considering you have VT, I assume you must be living in Switzerland? Not sure how that’ll work moving but can just move it into a ucits etf and call it a day/life. Well done.
dividned investing doesn't require a lot of captial to get started. Everyone just makes regular monthly deposits into the funds they want to invest in. For growth investing 401K or Roth accounts are great for grwoth. with VOO and VXUS or you could gowth with just VT. You don't what to invest in growth and then sell the growth toff in a taxable account and then reinvest inn dividneds. Because you will pay a lot in taxes when you'll the growth that is why many use 401K or Roth because the is no tax from selling in these account. Butyou cannot withdrawal money until age 60. In addition to starting the above you Need to exablish 6 most emergency cash reserve HYSA will work fine. But a money market fund in a taxable brokerage account will also work. If you cash reserve exceeds 6 months you should invest excess money Anything more the 6 month will do better if it is invested. You can deposit that money in a Roth to avoid taxes or you could invest it in the taxable brokerage Now many use gowth index funds in the taxable as simply an asset you can sell if you need more than 6 moths of cash. I howeverI prefer investing the excess in dividned funds. The cas emergency fund is great but it is limited to 6 months. If you are unemployed for more than 6 months that is a problem. SPIQ or QQQI are good sdidivndd funds o add. invest the dividned and add more money whenever you can Both have a high yield and are tax efficient. Oryou can turn off dividned reinvestment so that the money goes into your money market cash emergency fund. So the dividends help maintain your cash emergency fund and you can reinvest excess cash into the dividned fund. One time you will gradually build up emergency dividend fund that can replace or supplement your cash emergency fund. Ther is no limit as to how much cash you can get from the cash emergency fund.
No bullying. Just a question, at any point, did you think “hmm maybe I should take a day off” I would highly recommend the following. A trading swear jar. Every time I end a day red from bad trades, I buy a share of VT. If I run out of buying power because it’s all in VT, I give options and day trading, and just keep buying VT. Up 150% in 3 months. Also bought 3 shares this week.
I don't think VTI/VOO are wide-range indices anymore. They are totally dominated by the Mag 7 and therefore by AI plays. VT is worldwide so much wider-range, yes, but \*still\* dominated by the big American corps.
This. I replied imploring him to stop playing the game and just put it in VT. He's won already - it only goes downhill from here.
Please, stop. Put the rest in VT. Rule of 72 - it'll double in about 8 years, and every 8 thereafter. (based on historical averages) You won the game - stop playing.
Perfect candidate for set and forget ETFs. OP can’t be trusted with money. Please just VT and chill.
Gotcha, I mean I do have regular stuff folks tell me to get like VT. But this seemed like a good buy and then sell for one singular day.
Lmao I put in 200K when I sold my house in June. I’m down 3k ish on VT today.
>Okay so something similar to VT right? Yes. >Would you invest in the things I described above if I told you that they had higher historical past returns? Yes, if the returns had been consistent over 100+ years with hundreds of thousands of data points.
Okay so something similar to VT right? Would you invest in the things I described above if I told you that they had higher historical past returns?
Past performance is an indicator of future returns. Telling someone to "VT/VTI and chill" is like telling them: "look at this past performance, see? Just keep buying and everything will be fine. It will go up in the long term"
If youre in the US VT, if elsewhere check your local country tax rules but porobably a ucits compliance like Vwce/vall
“financial weapons of mass destruction” Warren Buffet. Stick with VT.
I feel like I should move some of my VT into TQQQ at this point. Whatcha say
I mean, what do you even buy, VT, VOO is not nasdaq, but its full of AI stuff as well?
most bogleheads don't give much attention to international in the first place possible since John Bogle didn't really consider them worth having, and also because US has outpaced so much in the last few years people seem to think any international is a drag overall. I absolutely love Vanguard, and always recommend VT as opposed to taking a blend of VTI+VXUS. Still, I also believe in the Dimensional fund and by extention Avantis, guys, and I'm experimenting with an international portion made up of AVDV and DEHP.
Get some managed futures Get some gold Get some dividend payers and VT And chill
The main difference is the tilts: VT covers global stocks, VOO adds extra weight to large US companies, and SCHD adds a dividend focus. VTI+VXUS gives you a simpler way to set the US/international split.
Downvotes are the only currency here worth paying attention to, hahaha. We might have one more violent move to the downside but this is close to the market sentiment in March when I bought heavily and moved my port from stocks to $VT, $VXUS, $GLD, and EWJ My stress level went from peak to zero and I started to enjoy listening to Rock music again.
most common suggestions I hear people say are: VOO, VT, SPYM, or VTI
Is this satire? Do you know what VT and VOO are?
HAHAHA. The more I learn how the market and stocks are valued and traded, the more I realize buying indice ETFs like $VT and $VXUS is the way for me to go. I don't need some options trader or a DJT tweet blowing up a stock position I own. I can't identify what might be market fraud or guess when the stock market bubble will pop. I can BTD on $VXUS and $VT every time they hit their 200 DMA or maybe 100 DMA if I am feeling more aggressive. Obviously 1 day the dip may keep on dipping and that 200 DMA may no longer hold. But we could have a 50% correction tomorrow and all the indices would still be higher than when I was paralyzed by fear and was listening to all the doom & gloom starting in 2021.
Some Vanguard fund in my 401k, forgot the exact name, it was just the broadest one it offered. Private brokerage is a mix of VT, SCHD, and SPYI. I’m keeping it basic though not as basic as pure VT and chill because I like SCHD and SPYI and I feel like SCHD’s dividend growth and SPYI’s monthly income for today’s bills complement VT well.
VT and chill is the way
According to this post history he had $100k a month ago. Lost 40k which sucked, because that was a down payment on his dream home, was worth $120k "didn't really spend my money on dumb shit in my early twenties" (24 days ago) gave advise on retirement accounts spending, thought about positions in AVGO in the daily (16 days ago), 7 days ago he answered the question what he would buy if he could only hold one stock fortever with "VT, Sofi or NU", 5 days ago the things he took for granted were strength, health and the money in his retirement, he posted 5 hours ago that he bought a bike and now this. My bet would be he trying to give back the Kawasaki. But he´s 27 and still has his Roth IRA. He´ll come back.
hmm, if you’re 15m in, probably best to go for the simplest: a total world fund like VT or just a mix of VTI + VXUS. it’s hard to pick one that’ll beat the rest, so a balanced split gives you the upside of each. just keep contributing and let comp do the rest.
3-6 month emergency fund. VOO or VT or low cost broad market index fund of your choice with the rest. Contribute to your retirement regularly.
For your sake and so you can become a decent and honourable man in this forsaken world, VT.
Maybe TIPS, but for the most part institutions and foreign governments aren’t buying US bonds, which is hiking the yield and decreasing the initial value of the offered bond. Defensive stocks might do well, like Consumer Staples. There’s Vanguard Total World Market ($VT). And I always plug Schwab Divident ETF ($SCHD)
First step, max your Roth IRA out yearly. I personally day trade in mine but I’m part of a discord server that does trading. $5k membership fee but I’ve made that back already in the first few months. For my wife sand kids and parents, I just do VT in their Roth. I prefer VT for the world exposure and diversity. Actually do 90% VT and 10% MSTR. But I like the discord server cause it’s just laddering in after waiting for the chart to dip. Several buy zones and build the position and wait for it to fly. Then sell. Some take weeks, some months, other positions take years for the pay off. It’s the slow and steady wins the race game. Also do long term crypto bags in that server. I also drive for Publix so I get Publix stock for a long term hold but only after my Roth has been maxed ($144.23 each for my wife and I per week to max the $7500 each per year out).
Fidelity is fine but it’s hard to read for a beginner. Robinhood is criticized for complex reasons and is easy to use. It shows you better graphs and makes things easier than any other app. As long as you don’t mind it trying to sell you Robinhood gold. Dividends are good, but the rule of thumb is: dividends always underperform the market. If you’re going to put the money right back into the market, why use dividends? Generally dividend stocks are for people with a family or retired people who will spend the cash payouts on stuff they need, in lieu of watching number go up faster. Don’t invest money in stocks you might need in the next 5 years. If you invest and 2008 happens tomorrow, we’ll look like idiots for suggesting it. Step 1: max your 401k match if works offers it Step 2: keep six months of expenses in an emergency fund. HYSA is good. Bond funds are also good because they don’t go down in a crash. I keep mine in SGOV which pays 3.8% Step 3: put the money you’re saving into VOO or VT. The other funds you listed are fine. Step 4: Turn brain off. Seriously. The more you know, the more you think you know. The more you think you know, the more likely you are to make changes. Changes lose money. Patience makes money. Nobody knows what will happen next year. But I do know that the 7% average return will pan out by 2037
Don't listen to anyone on this subreddit. It's mostly Geezers who have no clue what they're doing. Do yourself a favor and throw all your $ or 90% of it into an ETF or a couple of ETFs. Maybe do some research into long term investing. VOO + VXUS Or VT Or VTI (+VXUS) ^All good choices^
VOO- S and P heavy, VT for international exposure. SCHD for dividend income and AI bubble safe. I have the realization of yes I know there's overlap. VTI plus VXUS isn't a bad deal either. US heavy fund + international fund