VT
Vanguard Total World Stock Index Fund ETF Shares
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Is it ok to never have bonds if you start investing early?
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Low volatility factor investing is criminally underrated
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Is my portfolio made by my wealth manager too complicated?
Are these good lump sum buy and holds? VOO, VTI & VT
Thoughts on transferring “all” of my savings into equities
How should I invest to build wealth long-term in my early 20s?
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Would AVLV theoretically be any more profitable than a passively managed fund like VOO?
How much reasonable risk should I take on to maximize profit?
what's the point of tlt if it's just as volatile as stocks
I have a mental issue when benchmarking my portfolio - looking for advice.
Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Selling equities at a loss to pay for high interest mortgage
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
Have money in both Sofi Auto Invest and VT via Fidelity. Should I consolidate?
28yo, Is selling all my VGT and buying VT timing the market/performance chasing?
Are my portfolios any good? 96% equities / 4% real estate
"No more than 20% of one's stock portfolio should be allocated to foreign stocks? - Jack Bogle - Does this advice still ring true today?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Anything I should be doing to be more aggressive with my VOO/VT portfolio?
Why is the solar industry performing so poorly?
My un-intelligent way to make bets, as of now
What Do I Diversify Into? (small $ monthly investments)
Wanting to invest recent VA backpay - thoughts on how I'm proceeding about doing so
Invest in VTI and other "feel good ETFs" if you want to make less money.
How long do you recommend paper trading before doing actual trades?
Fidelity's Limited Automatic Investing Options vs Having More Accounts
My friend claims my method for investing may not be allowed, can anyone clear this up for me?
How is my Vanguard performance returns negative, when my investments are in the green?
why do people act like if the markets are down over a decade or more the world will turn into the last of us
How safe are ETFs if broad index funds didn't exist?
If safe ETFs broad market were an option - what would you chose?
Selling long dated deep ITM SPY or VT puts instead of holding shares.
90% are in blue chip stocks and VOO/VT (~85%). Also new to investing RIP
Should I keep holding ENVX and buy the dip?
Steak (Live Cattle) hits an all time high.
Please don't crucify me.. What is the actual point of all of this?
My Dividend Portfolio, 60 / 20 / 20 - VT / VIG / SCHD
Mentions
Thanks! Yeah i'm Italian so i don't have access to US tickers. VWCE is an all-world ETF, probably the closest US one would be "VT" You can't really go wrong picking an all world whichever it is (VOO, VTI any S&P) If you are European like me, VWCE is a good and reliable ETF. I too invest 300 eur a month! That's a good resolution, your future self will be happy and proud. Never stop whatever happens
Thank you I just read the Simple Path to Wealth. I liked it and thought about giving it to him. The thing is while ETFs are fine, I don’t want him to think that’s all there is. Basically it can be summed up as VT and chill. I want him to understand there are other choices depending on market conditions. I also recently read a book on dividend investing which I liked because it explained what owning stock means in simple terms but I also do not want him to think that’s is the only path either, that was by someone obscure but I enjoyed it even though it is not complicated, Dividend Growth Machine. I am reading one of Mary Buffett’s books which is focused on determining which companies have a competitive advantage in their market. I like it because it demonstrates bottom up investing (I tend to be more top down) and would teach him how to analyze a balance sheet (assuming he is motivated which he really isn’t). I read the first edition of the Millionaire Next Door, I do not remember it. I am not looking to help him make a budget or anything like that, for that I would consider the Wealthy Barber which I loved when I read it 30 years ago, I genuinely want him to understand the market, learn how to pick stocks, ETFs and CEFs
I would shrink the thematic funds to a smaller bucket so that way underperformance of a sector in the future doesn’t sabotage you. If you want to make a bet on them, that’s fine, but plan for if they go south. I would remove the small cap fund and roll that into your core holding or switch to a small cap value fund with quality screening to tilt toward academically informed factors. Make sure you want the high dividend one. Dividends are not a priced factor and do not correlate with higher returns. You will underperform VT over 5-10 years. If you need the dividends to b keep you disciplined, this is a fine play, otherwise consider switching. In any case, whatever you out here should be your core holding. Shift your buckets around until this is 60-75% of your portfolio.
They come directly out of the ETF's value. If you hold a fund with more than 50% foreign stocks in a taxable account the US will refund you some of that money on your tax return. VT is than 50% though.
The ETF, VT. Total world market weighted by market cap. If you don't want to take risk, that is what short term government bonds are for, but good luck with trying to trade geopolitics if that's what you want to do instead.
>Not trying to chase returns, mainly want something simple, diversified, and easy to stick with long term. If this is what you want then just buy VTI+VXUS or VT and maybe a bond fund.
What is a VT profile? With or without the oversensationalist garbage media, I'd like to be as insulated as possible against potential spread of conflict and destabilization.
If you have a 72% return, then that means you're gambling with options trading. Quit now while you're ahead and park it in an ETF like VT/VOO. You'll be set for life.
This is the way. VT is widely diversified and low cost.
you need to understand the future value of your money so that you truly see the risk you’re taking. if you were to invest all $120,000 of your profit into a broad market index like S&P 500 or an all world ETF like VT and assumed you made an average 7% return for the next 30 years you would have $962,000 from just this position alone. is it worth losing that for a chance at making more right now?
80% VT 20 AVDV is an excellent portfolio
Individual stock picking is not correlated to long term investing success. Whole market index funds held for a long time are. Consistently hitting the market average is something to celebrate. It's easy to do these days and nearly entirely stress free. Professional stock pickers struggle to beat the market average and they can't do it consistently. Chances are you're not better equipped or more well informed than a professional broker working at a big firm. Brokers have good years and bad. Retail investors have good years and bad. If you're hitting the market average you're doing better than most. VOO, VTI, VXUS or just wrap it all together and go for VT.
What you can do is go to Yahoo Finance and check 1y Target Est. Then pray the analysts know anything useful and no macro event happens. Or just do the smart thing and buy VT, if you want to beat the market just leverage it 10% on a downturn below MA200.
I dunno about all that, I just toss my savings into VT and watch it grow 10% YoY
Take your profits and dump at minimum 90% into VT. Then don't touch the money in VT for 20 years, except to add to it.
Stop watching over-sensationalized garbage. The world will carry on. Those with a VT-like portfolio will do fine.
Anything could make more sense than what I'm doing. Our 401k's are in VOO equivs and taxable account is nearly all in VT. It's just our Roth IRAs that are all in on VOOG which have done better than VOO but they are a small % of our overall holdings due to contribution limits (we backdoor but don't have access to mega backdoor).
I look to see if they are included in VT and then I buy more VT.
The opposite happened to me. I found myself sitting on idle cash with both family members at home and no external spending. I decided to go all-in on dollar-cost averaging (DCA) into VTI and just relax. That decision snowballed for us. Costs were low, and I stuck to the investment strategy, forgetting about trying to time the market or chasing the latest trends. I still hold my legacy pre-2020 stocks, and while only the blue chips have soared, the accumulation I’ve built in VTI (and more recently VT) is what I keep looking back on, wondering why I didn’t think of it earlier.
Please do not put your mother’s money in the same funds as you do. Your timelines are completely different. Just VT or VOO should be what you put her money in.
In 2025, for some reason, I made a shift. I had always invested in VTI, a low-cost Vanguard fund covering the U.S. market, but I switched to VT, which includes both international and U.S. markets. The results exceeded all expectations—VT was up 20%. Meanwhile, I continued dollar-cost averaging (DCA) into VTI in another account, which was up only 12% due to the DCA approach. This experience reaffirmed the principle that time in the market truly beats timing the market.
I’m a BRK.B and chill person but everyone saying VOO/VT and chill are also all correct. Should be the first answer to anyone new asking “what should I buy?”
I was tempted to buy some long-dated TSLA puts, but I think you just talked me out of it. Will stick with my VT and chill strategy. Not a boomer but ok with the reasoning behind the strategy. So are you all in on SPMO or what?
Please just do VT and chill and don't burn your mom with your stock picking.
Don't fuck up your mom's investments. Xeqt or VT.
Have her go 100% in VT. Let her track the the global stock market passively. You can do what you want with your own portfolio, and then compare your portfolio with hers over the years. It will be a fun experiment for you. Good dinner-table conversations await.
If you don’t have time to keep on top of different positions just dollar cost average into VOO VTI or VT every month
No, it’s the first real popular index fund. It’s expense ratio is low, so it’s not worth viral marketing. It’s just a good general choice and has been for decades. When someone says “I have no idea what to invest in, what should I do”, it’s a great answer. Along with VT, VTI, etc.
Open a Roth IRA and max it out for 2025 (have till April) and 2026 Go 100% VOO or VT, you can rebalance later with no tax costs
As others have stated, this is not technically a hedge because there is no negatively correlated or structurally different performance. Semantics? Maybe in your case, but precision is still important. When you’re talking about adding assets with lower correlation to reduce volatility, that’s textbook diversification. BRK may have less sensitivity to the same drivers as VTI or VT, but it’s still sensitive to the same drivers and moves in the same direction. And beta has little to do with tail risk. A true hedge against equity drawdowns would do something equities don’t. You can’t hedge equities with more equities. Pedantic? Maybe. But I still think it matters, though I’ll admit to being a persnickety person. All that said, if you’re having any worries or anxiety about equity risk, what you’re really asking is whether you’re overexposed, which is an asset allocation question relative to your objectives, timeline and risk profile. It’s probably time to revisit your balance of stocks to bonds and the makeup of each (i.e., US vs Intl equities, duration and credit types in bonds). This is the single best thing an individual investor can do in this case. Review what you’ve got, keep it simple, don’t overthink it, and don’t put yourself in a position where adding extra complexity for theoretical benefits introduces execution and behavioral risk, which is ironically what you’re trying to avoid - unnecessary risk.
Your reasoning mostly makes sense, but there are a couple of hidden leaks with a fund like FOCPX. Yes, selling now means crystalizing capital gains and paying tax. But while you hold it, you're also paying a high ongoing fee and probably getting hit with sizable capital-gains distribution every year, which are taxable too. VT's lower cost and better tax efficiency mean the performance gap you'd need FOCPX to achieve just to break even after tax is pretty large and statistically unlikely over long periods. So instead of "tax now vs no tax", the real comparison is "one-time tax now + cheaper, more efficient fund forever" vs "no tax today" + higher annual drag, plus surprise tax bills from distributions. "If you don't want a big one-year hit, the middle-ground moves are: Stop investing distributions in FOCPX and route that cash to VT. Consider selling in chunks over a few years, ideally in years when your tax bracket is lower. Do a quick spreadsheet with your actual numbers; that usually makes the decision a lot clearer than arguing about "active vs passive" in the abstract.
If you had bought VT instead of VTI, you would have saved a fraction of a second because that's only 2 letters to type instead of 3
VT went up like 20%+, impressive to do that.
Don’t listen to him, your intuition was actually correct. Berkshire is a half decent hedge because it provides stability. Going into VTI or VT or whatever means you absorb all of the downside
VT is total market = US large mid & small vaps + International developed emerging & small caps VXUS is international ONLY = International developed emerging & small caps VT covers everything
I’m so sick of seeing of seeing people dickriding Vanguard index funds and talking down to others as if knowing what VT/VTI/VOO is makes them a genius Vanguard index funds are like the most basic investment you can make. You’re not anything more than a spectator. It doesn’t make you a smart investor.
If you can’t answer that question yourself, you should just put your money into VT.
You have the right idea and simple ETF investing will get you better results than 95%+ of people. Good tax efficiency too. I would avoid overlap though as others have said. Also consider some high yield cash equivalents while stocks are so high. For now I’d go with a stock market portfolio of 40% VTI 20% VT (global) and 40%SGOV until S&P PE for next years earnings is under 20. Then just 75% VTI and 25% VT when market corrects. When you reach 40yo, put 10% of your total portfolio in BND for bonds and increase 1% of your bond portion every birthday. Keep the stock portion with the same weighting. I got this strategy from Brinkeradvisor.com and have been following him with great success and returns for over 30 years.
Ah yeah. But a diversified portfolio with VT, commodities and high dividend etfs should still perform fine.
Total world stock market index. Nvidia is 4% of VT.
I think now I prefer to invest in something "safer". So I was considering VOO or VT.
> I am surprised that the boggleheads are interested. I thought they were VT and chill? the typical reddit bogglehead knows next to nothing about what Jack Bogle recommended. He sold most of his stocks circa 1999 and ramped up his bond allocation, correctly forecasting poor returns from stocks and superior returns from bonds over the next decade. https://www.youtube.com/watch?v=k6ra5POdsYg
I think when you use terms like Convexity it throws people off. I think if you speak in terms of portfolio insurance, limiting downside risk, I think you will get people interested. I realize that Sharpes etc are terms of art but not everyone, even some very successful investors are not familiar. I am thinking of some people I know that have made many millions in either ETFs or individual stocks but could not tell you what convexity is but are definitely concerned about protecting themselves in the next downturn I am surprised that the boggleheads are interested. I thought they were VT and chill?
Lots of decades of international outperformance but not any recently . Point is you never know what will outperform. S and p got crushed by VXUS last year and VT. IMO I don’t care and I am 100% VOO in all my accounts. But as my portfolio gets larger I will add more VXUS maybe 20%
In my opinion, the downside is not knowing what you own. I saw a Ramit Sethi video recently. He showed an old Bogleheads forum. These people swore they VT and chill. They don't care about market volatility. They buy and hold, never panic. They panicked and sold at the worst time, then didn't know when to get back in, and their portfolios were decimated. Passive and automated is good, but I think learning about investing and owning a few individual stocks is also good. If some market convulsion happens, you can form an opinion about it. Is this going to eliminate my business? Is this going to reduce profits? Can my business weather this storm? The additional context and business owner mindset may help you maintain conviction, and keep you from doing something stupid. For example, Meta doesn't make much of its revenue selling physical products, and chips were excluded from tariffs, so when liberation day happened and Meta stock dropped from $730 to $480, you could probably hold onto your Meta stock, or maybe even buy more.
XUS stands for excluding US. VT is international plus US.
Both. I have VT at 25% for diversity, up 21% and I believe technology in general will continue to dominate the markets. So I have QQQM 32% up 20% and FTEC 32% up 21%
Here's a visual representation of the downside: https://totalrealreturns.com/s/VOO,VTI,VT,SPY,QQQ,VGT (both VOO and VTI lag behind just buy and hold with QQQ). For someone in 20s, I recommend VGT which is a pure growth ETF.
VXUS is international only. VT will overlap that some.
What is the difference between VXUS and VT?
It doesn't necessarily cost more in fees either, depends on the specific funds. VTI (0.03%) + VXUS (0.05%) is lower fee than VT (0.06%). The single fund is simpler and automatically rebalances, which is a big advantage. If the fees are this low, a few hundreths of 1% simply don't matter. DHHF which is an Australian global ex-Australia ETF is 0.19%. BGBL (developed markets ex-Australia) is 0.08%. BEMG (emerging) is 0.35%, but emerging markets are only 10% of global equity capitalisation by weight. So BGBL+BEMG at market weight would be around 0.11%.
People mention this often when talking about things like VTI/VXUS vs VT. In this case you save a very small insignificant amount by splitting between VTI/VXUS
tbh, Solid point! Diversifying with VT could help reduce risk and give you more global exposure. Worth considering for long-term growth.
That's a solid point! Global exposure can help balance risks. VT might give you more diversity for long-term growth!
IMHO it can’t be taken for granted that the US market will continue to perform as it has the last hundred years. America was hegemon then. Going forwards it’s less straight forward. I just go with VT.
VOO=S&P 500 VTI=Total US Market VXUS=Total International Market VT=Total Global Market In order to get the entire global market you can either go for VTI plus VXUS or just go all in on VT like I did. VT automatically rebalances so you never have to worry about tinkering with your portfolio. The only thing you have to do is buy more VT shares over time. VT is an entire global equity portfolio in one simple ETF.
VT is better because it includes equities from other countries so is more diversified. But yeah there is no downside, that's what you're supposed to do.
I'm heavily invested in VWRP and VT and I think it's a great base investment for many (myself included) who don't have strong views on a particular stock but would just like to participate in the global stock market because they think it should go up in the long term. When I say overdoing diversification, I'm talking about when people add to the portfolio for the sake of adding something (stocks, bonds, commodities, FX, strategies, etc) to be more diversified without having any conviction or view
In time, everyone learns that all roads lead back to either VOO, VTI, VT or their mutual fund equivalents.
VTI and VOO overlap a lot. VTI consists mostly of VOO plus a smaller percentage of smaller stocks, so it's a little more diversified, but still strongly correlated. You probably don't need both, and I'd lean toward VTI out of those two, though it won't make a big difference either way. Both of these are exclusively US stocks. Personally, I prefer VT. Which is around 60%+ the same as VTI, so you still get plenty of US exposure, but it also includes international stocks. In recent years, US stocks have performed a lot better, but historically that hasn't been the case in all time intervals. More international diversification might give you a little more peace of mind if something happens in the US market like the AI bubble popping. Another area where you might diversify would be bonds. It's hard to make the case for allocating too much of your portfolio to these given their historical performance vs equities, but some could be a little safer than none if things do go poorly. These might make more sense to go in a retirement account so you're not paying taxes on the dividends every year.
VOO and VTI will overlap. It is better to go for one over the other. VOO is the S&P 500, the 500 largest companies in America, VTI is the total US Market. Usually they perform fairly similarly to one another. Since about 2010 the S&P 500 has performed very well but that has not always been the case historically. Also consider VT which is the total global market.
The downside is extreme overlap and single nation bias. Do VT instead
You have no international doing this. Just put VT in both and be done.
You are right, this never happened before... /s Except in 2000, 2008, 2020... Just the recent ones. Just VT and chill, no need to panic.
VTI, VXUS, BNDW. VT and BNDW is fine too if you don't care about foreign tax credits.
Or you could care less about $VIX and just dollar cost average in every month into a broad market index. VT and chill.
So if you have 1.9M in VT, just keep the physical gold? That’s literally the point of a commodity like gold.
Given your strong portfolio and income, selling gold and reinvesting in VT (Vanguard Total World Stock ETF) for long-term growth makes sense. Gold is a good hedge but your 2% allocation isn’t enough to outweigh the growth potential of a diversified global ETF like VT. That said, keeping a small portion of gold as a hedge could offer balance, protecting you against future uncertainty while maximizing growth with VT.
Put all in VT, focus on high savings rate
My portfolio value is 2m ish USD in VT and I'm new to gold so yes i dont mind getting others point of view on it
What kind of gold is it? Like family jewels? Something cool like a Rolex? Coins? Is it a pain to keep? Do you have a safe? Keep auto buying VT and go on with your day… you said it was small. If it’s not a pain, keep it. Nothing wrong with a little diversification. If it’s a pain to store/keep. More VT. Simple.
I find it hilarious that you told someone with $600k to "VT and chill" and yet your relatively insignificant $40k needs to be run by strangers online.
If it’s a small percentage of your portfolio, I’d probably keep at least part of it. Gold can act as a hedge and adds diversification, especially since you’re already heavily in VT. If you don’t like holding physical assets, selling some and reinvesting into VT or another asset you’re comfortable with is also perfectly reasonable. There’s no wrong move here, just preference and balance.
23 is super young. Biggest edge you’ve got is time tbh, not dividends. Nothing you’re holding is awful but it’s kinda all over the place for a Roth. SCHD sounds nice on paper but at your age it’s not really doing much. Growth matters way more early on. If it was me I’d simplify hard. Big chunk in something broad like VTI or VT. Set it and forget it. QQQM is fine if you want tech exposure. Fractional NVDA is whatever, just don’t let single stocks take over. BLOX and NEM feel more like play money. Fine to keep a bit but I wouldn’t build a retirement account around that stuff. Dividends can wait. You’ve got decades. Maxing the Roth every year matters way more than perfect picks anyway.
A dividend fund in a tax-advantaged account? Why? To be honest, you're all over the place. Sell everything and put it all in VT which is an ETF that tracks the global stock market. Save speculative plays for a brokerage. Never sit on cash in a Roth IRA too.
Yeah That was what my broker app was showing me yesterday before averaging down. I'll be buying VT from here onwards though, I'm done averaging down.
>Fuck it, get rich or go broke trying right? Yes. But at this point, after buying more on Monday and yesterday, I'm done averaging down on MSOS and I'll prioritize my VT position here onwards.
100% VT, or a low fee target date fund.
I guess it depends on when you plan to buy a house. If it's in the next 5 years you might consider putting a chunk of it in cash assets. If you go all in on stocks, stayed diversified with an ETF like VT. VOO if you don't mind a little more risk for possibly a better return. If you go fully invested you might have to put off buying a house if we have a downturn so you don't have to cash out when the market is down.
I use VT and also logarithmic charts, personally. Good luck! 👍🏽
Pick one of these for now and just DCA into it as often as your finances allow (meaning you have 3-6 months of cash for emergencies you don't touch, everything in excess of that, after expenses, you should invest). 1. VOO 2. VTI 3. VTI + VXUS 4. VT
I would put everything into VT, buy the whole market, and forget about it
If you get it right - concentration is better. If you get it wrong - you should have diversified more. (Like VT and chill)
You are young, get Robinhood. The other apps suck and we live on our phones not a PC. Make your long term investing automated. For investing it really depends what you are investing for. If retirement, open a Roth and set up a recurring monthly buy of an etf like VOO or VT. For medium term you can do a brokerage account and do a managed Robinhood strategies account. It allows you to enter time horizon and risk, then it manages funds for you.
I’m also hoarding cash to buy the dip like liberation day last year while DCAing VT.
Serious? Split it in two. Dump 1k into something like vanguard, 1/3 into VT or VTI, 1/6 in BND, 1/6 in GLDM, and leave the remainder in JAAA as a cash like position at 5.48% APY. Ignore it for as long as you can. Have fun with the other 1k. Whatever that means.
Read this first. https://www.bogleheads.org/wiki/Getting_started All you need is an ETF like VT which tracks the global market cap for you. Ensure you have enough in emergency savings first though so you don't have to sell shares if they're at a loss. If you're employed, start a Roth IRA first. After maxing that, invest in your 401k if you're able to.