VT

helpwithsong2024

Stop performance chasing and just do VT and chill (for everything) or VOO and chill (for the simple easy approach)

helpwithsong2024

Nah it's completely wrong. If you rest want true diversification, then just do VT and chill. If not, the second best is probably VOO and chill.

CSCAnalytics

Why not just buy VT so your sector / global / asset class weights are in line with the true weights, as is recommended by modern portfolio theory, for a .07% expense ratio? Instead of having random allocations with overlap, higher fees, and a rebalancing nightmare? Seating from true market weight is just hoping you get lucky with a higher rush of drawdown / variance for equal (likely lower) theoretical expected return…

opaqueambiguity

Literally does not matter Also, feel free to pay me a fee to purchase VT and BND for you

BRK_B__

VTI is almost all VOO and VT contains ~40% international whose private sector shouldn't be affected by US tax policy in any significant, direct way.

Feedmefood11

It’ll only skyrocket for large cap companies no? I would think that something like VOO would see much greater returns than VTI or VT cuz the small and mid sized companies should be disproportionately negatively affected?

Hopeful_Gift1712

You live in a world 20 years ago. China now competes with GPUs made in their homeland, wheras the top manifacturer sits in Taiwan. There are plenty of other companies in China: * AVIC (Aviation Industry Corporation of China): Develops advanced military aircraft like the J-20 stealth fighter, and UAVs like Wing Loong II, which are exported globally. * NORINCO: Produces tanks, artillery, and armored vehicles (e.g., VT-4 MBT) used by multiple foreign militaries. * CETC (China Electronics Technology Group): Develops advanced radar systems, electronic warfare systems, and AI-driven surveillance tech. * Huawei & ZTE: Leaders in 5G infrastructure, AI, and telecom—not military per se, but clearly global high-tech competitors. (Thanks ChatGPT) Theres also India. Western monopolies only exist in little niche industries, like ASML or ARM.

Helpful-Staff9562

Mess of a portoflio, just go with VT and at best a growth tilt to it

thetreece

It's extremely easy. Just buy VT. You hold the world market. Or buy 65% VTI and 35% VXUS if you really want the foreign tax credit. Doing anything OTHER than this is basically choosing to concentrate your portfolio on something, which is the opposite of diversificiation.

Doodsonious22

You and I are sharing four holdings. Instead of VXUS, I just do VT to cover my bases, and I don't mess with REITs anymore, but otherwise I'm in that same boat holding FXF, FXE, SCHY, and BNDW. I was holding FXY for a bit there, then realized Japan is probably just going to keep printing money, so they'll probably be one of the few countries sure to decline against us.

xiongchiamiov

It's very easy to diversify: VT is the whole world in stocks. BNDW is the whole world in bonds. That's probably enough, but if you want to keep going you can add commodities, cryptocurrency, real estate via a few funds.

Zenatic

Step 1 - open a brokerage account. Step 2 - fund the brokerage account Step 3 - buy an ETF (VT, VTI, etc) Step 4 - repeat 2&3 on a set schedule. The amount doesn’t matter, just start, and start today. Congrats, you are investing. Head on over to r/personalfinance to get your finances more aligned with your income. Head on over to r/bogleheads for ETF investing and long term strategies. Keep asking questions and reading about investing and branch out from there. The key is to just start and turn it into a habit.

droans

Are you just trying to increase your diversification? VT is total world market. You literally cannot get more diversified than that. I get that it feels like you're increasing your diversification by adding more tickers but you're not. VTI is already covering the total US market. Adding VONG has the opposite effect because you're overweighting growth stocks.

Obtainer_of_Goods

Ownership of companies has always been the best investment for the long term. I would hold VT over VTI, or you could just add some VXUS. If you do that, your holding a small part of pretty much every publicly traded company in the world. Can’t get more diversified than that.

CSCAnalytics

Do you have equivalent infrastructure and information resources to the main market players? If not, according to game theory, the answer is no. That means any and all of the following: -Building full of PHD quants and analysts with Bloomberg terminals -$1B+ supercomputing /HFT infrastructure -Access to private / invite only dark (and other) pools For 99.99999999% of people on planet Earth, the best solution is to buy a low fee, diversified, passive index fund like VT.

kowal89

I must be an unicorn I have 30% in saving account and 70% in individual stocks, but most of them are value companies that pay dividends (or will pay them in few years) (so even if they shit the bed just holding them will bring me money)., oil, eletrecity, insurance, broker. And I actually do amazingly well. And I'm kinda scared of that, as everyone here say to not do what I do :D it all started with how trump destroyed usd value and crashed the stock market which had a culminative effect on me international investor of almost erasing my 4 year gains of safe VT etf and VTI, and that pissed me off. The safe ones? That barely grow because are safe fall this much? Sold all an got in individual stocks, but fact is only two of the stocks I hold now are american, reddit and some quantum bullshit :D maybe that's the reason I'm succeeding american market is full of bots, manipulation, fud it's hard to know what to believe on american market.

TrucksANDmotorcycles

Ended up goinG VTI AND VT

AwkwardYak4

IMO it's either VT or VONG

Any-Cup8629

I’m in almost the same position as you, age and all. In the Roth, for me it doesn’t make sense to do stock picking which it seems you don’t. For the individual, if you feel that you have a solid enough conviction for the companies that you want to specifically invest more into, then God bless. I say go for it. I’m sure most people here (especially those on the boglehead side of investing) would have an aneurysm at my endorsing some individual stock picking, but I believe that as long as the majority of your portfolio (70-80%which you seem to do) is in broad ETFs that track major indexes, I think you should permit yourself to have some of your own little picks to lean into for whatever reason you want to. At the end of the day, would you be better off just doing VT and chill? Yeah probably, who fucking knows. I feel like though you should have some *fun* with investing and if that means cherry picking some certain companies that you want to invest in, then Godspeed my dawgie.

Weary_Falcon2539

yeah i've been thinking the same idea but the more i look into different subreddits, a lot of people are saying VOO VTI VT and a lot of other vanguard etfs instead of your normal spy & qqq i just want to do spy and qqq and chill but i also dont want to regret my decisions 40 years down the line

helpwithsong2024

Depends on how soon you need the money. For a long term investor, buy low-cost index funds, keep buying, and only sell when you hit retirement (so for you easily 25-30 years away). Stuff like VOO, VTI, or even VT (if you want international). Do this for 90-95% of your money. For the other 5-10%, if you can't sit on your hands, buy random junk, gamble, whatever. If you hit it bit, you'll feel great - and if it collapses into nothing, it's a small percent of your assets. Does your work offer a 401K with match?

These-Reference6441

The market is quite nervous rn. DCA over the next 12 months. Invest 2500usd each month in VT and chill.

warren-fuckett

So far, everyone is giving you the typical sound advice: pick a good low-cost ETF (VOO, VTI, VT, etc) and put the money in there, then forget about it for decades. It sounds like you want to actually understand stock stuff, though, so I'll add this idea: do the above in one account with 90% of what you're looking to invest. This is your "boring, safe, and effective" long-term investment account. My boring account is in a Wealthfront investment account because it only lets you invest in ETFs unless you have over $100k, and it will automatically rebalance your account if some of your holdings grow faster than others. Wealthfront also offers Roth IRAs (for tax-advantaged retirement), automated bond portfolios (for diversified bond holdings and also for long term target-date savings, i.e. if you want to buy a home in 10 years you could set a target date for 10 years from now and schedule automatic investments in bonds that will all be timed to be fully matured by the date you chose), and a high-interest checking account (allowing your checking account balance to grow roughly following federal interest rates). Their products are good, I recommend them. Your remaining 10% can be your "high risk, high reward play money." Set up another automatic transfer that moves this money into an actively managed investment account. Redditors often use Robinhood. I use Schwab because their Thinkorswim trading app is really nice on desktop and also pretty great on mobile. Practice researching companies and buying stock with that money. You'll be shit at it and you'll very likely lose everything a few times. Patience and practice, combined with research, will help you learn. You'll eventually nab some wins. If that account grows substantially, consider withdrawing some money and transferring it to a different account. I use the profits from my riskier account for occasional big purchases, such as bike upgrades, computer hardware, or leisure travel. Sometimes I just move it into my boring and safe investment account. Once you get used to this, you can try your hand at options in the risky play account. Just remember, you will probably lose it all multiple times before you start seeing some success. If you lose everything in the risky account, don't go transferring extra money to it. Rely exclusively on your automated transfers. That way, you don't end up with a gambling addiction.

rackoblack

Keeping 10% or more cash or cash equivalent is important for active traders who are researching daily to find the next buy out there. That's not most investors, by a long shot. Put it in an investment. If you want it to preserve value or think stocks are overvalued right now, SGOV, FLRN, PULS are good options. If you want it to grow aggressively (with more risk of downside), VT or VTI. You've always got credit cards (not carrying a balance obviously) to use immediately and give you a full month or so to raise the funds by selling something.

SirGlass

Diversification is not just about owning a bunch of tickers The problem with your portfolio is you are actually concentrating your holdings in large cap and large cap tech VTI/SCHB are near identical total market funds, there are slight differences but both are total market funds and will hold basically the same stuff. No reason to keep both VOO is a subset of VTI/SCHB so by adding VOO you are not adding diversify you are concentrating your portfolio into large cap stocks Then QQQ/SCHG is basically a sub set of VOO, what means you are concentrating further into large cap mostly tech/growth stocks Meaning your current portfolio is less diverse then just holding 100% VTI or SCHB. All those tickers are sub sets of VTI/SCHB and concentrating your holdings making you less diverse A classic 3 fund portfolio is simple Total USA market Total ex USA market Total Bonds (some people will skip bonds until older) Some people simplify it further and just do Total World market Bonds So something like VTI (total USA) , VXUS (total ex-USA) , BND (total bonds) or VT (total world market )

Any-Cup8629

I don’t. The only money I leave sitting is that in my HYSA emergency fund. Seeing money sit in my brokerage makes me feel like it’s just wasting away, I’d rather just throw it into VT or hell, even SGOV

dissentmemo

Hood thing I'm just contributing regularly to retirement/VT and it won't matter long term.

impatient_trader

Yes just VT and chill. Do not be like me.

dissentmemo

I'm continuing to buy VT?

LightForceUnlimited

Yeah this is a great idea on paper if it could track what they were doing in real time or very close to it. However in the current market of pump and dump we will be performance chasing in a really inefficient manner weeks after the fireworks have flown. Eyes on the prize for now VT will remain my mistress.

Fun-Sundae4060

VOO VT QQQM and SCHD basically all overlap with each other. You can condense into just VOO pretty much or QQQM for NASDAQ. Diversify into multiple asset classes such as gold, long dated US bonds, and managed futures. They should be a small percent of the portfolio. If your equity exposure is too low for your risk appetite you can use LETFs such as SSO/QLD (2x) or even UPRO/TQQQ (3x)

dizzlebizzle23

VT

buried_lede

For a core ETF, I’ve been eyeing VT. I have sp500 index as a big core holding and since tariffs, trump volatility, European performance, stuff like that, I diversified internationally more than I had been. I don’t own any VT though. Wondering if I should just stop funding VOO  and direct to VT,  wondering if I should just make it my new VOO.  Anyway, not sure what your goals are and risk level 

Icy_Professional3564

VT VTI VOO take your pick

thirdelevator

Pick a whole market index fund. Whichever flavor is your favorite. VT, VOO, whichever.

Individual-Fix-4281

Invest in VT

Slachi2025

Bought some Docs. They feel cheaper than the $50 Chinese shoes I bought off Amazon before. I could have bought a VT share :(

CompactedConscience

The more common problem in those kinds of accounts is there is a decent VOO equivalent but no decent low expense ratio VTI or VT equivalent. At least that's been my experience.

Dankomycin

What's your goal with this money? Retirement? Using it to pay for a house in a couple years? If for long term investment than ETF like VT/VTI is good. VOO also fine but more tech weighted than the other two. Check the dividends of each if it's something important to you, probably 2-3%.

ThePushaZeke

My opinion: Yes to mutual funds or ETF’s No to anything to prioritizes high dividend payments (where does this money come from? Are you as a shareholder basically just diluting/decreasing your stack just to be paid your portion of the money back?) VT is a really good single fund option VTI/VXUS is a really good 2 fund option More risk tolerance or want to add your own spin? Then maybe add some spice with factor-based ETF’s like value/growth or large/small cap (AVUV is a personal fav). There’s also maybe a specific industries or types assets you want to hold, such as real estate or crypto or precious metals. Nothing wrong with that but it’s an entirely different game than buying LOW COT broad index funds. My top rules: 1. Diversify well 2. No leverage (or leveraged ETFs) Note: fidelity has some great ZERO expense ratio funds that are well diversified FZROX is one of them! Good luck!

ThePushaZeke

My opinion: Yes to mutual funds or ETF’s No to anything to prioritizes high dividend payments (where does this money come from? Are you as a shareholder basically just diluting/decreasing your stack just to be paid your portion of the money back?) VT is a really good single fund option VTI/VXUS is a really good 2 fund option More risk tolerance or want to add your own spin? Then maybe add some spice with factor-based ETF’s like value/growth or large/small cap (AVUV is a personal fav). There’s also maybe a specific industries or types assets you want to hold, such as real estate or crypto or precious metals. Nothing wrong with that but it’s an entirely different game than buying LOW COT broad index funds. My top rules: 1. Diversify well 2. No leverage (or leveraged ETFs)

dissentmemo

VT

MaxHaydenChiz

I prefer VT or maybe VTI. But the sentiment is the same.

xiongchiamiov

You should consider VT, but to avoid single country risk, not because of any current events.

Unlucky-Clock5230

America is always unstable. If it is not one thing it is another. Did you bother to compare the returns of VT and VTI? We thrive on instability.

dizzlebizzle23

I’d seriously consider VT. America is very unstable atm and vt still holds about 60% USA.

opaqueambiguity

I moved my us large cap into cash and held onto my small cap and international and I am up significantly compared to SPY and VT

xiongchiamiov

>I just looked at the I-Shares chart and the AOA - aggressive looks interesting because it has a lot of S&P and also international stuff but a little bit of bonds. I'm assuming this is more to the riskier side than what I have now? Well, SWYHX is about 14% bonds. AOA is about 18%. So your current position is actually more aggressive. I wouldn't say that's an indication of AOA being off, but rather that the common characterization of target date funds as "not aggressive enough" as being incorrect. Both of those are also globally diversified. If you want to go 100% stock, VT invests in essentially the entire world stock market, basically being either of these funds but minus the bonds. >Everything I read says that Manager funds just aren't worth the fees they charge . That is true, but let's be more specific. What folks are talking about there are when you hire a financial advisor and pay them a yearly fee. Usually there you're paying them 1% of your assets every year, _plus_ the funds they put you in charge expense ratios of 0.5% if you're lucky, or 1-2% if you're not. So you're at something like 2% of your portfolio to fees every year, [which kills the end value](https://www.bogleheads.org/wiki/How_much_do_you_lose_to_annual_fees_after_many_years%3F). The target date fund you're in is .08%, which is nothing. Same thing for AOA.

Icy-Resident-4678

Hello, I was also interested in whole life insurance and universal life insurance, especially because they are often packaged as products that can "both protect and increase value". But after a deeper understanding, I think it is indeed necessary to be cautious to use it as a core investment tool. In essence, the structure of this type of policy is relatively complex, which includes both insurance protection and cash accounts (investment accounts). In theory, their cash value will grow over time and can even be withdrawn after tax, which looks very attractive. But the problem is: the premiums are high, and the cash value grows very slowly in the first few years; the returns are usually lower than the market average, and many cannot keep up with long-term index investments (such as VTI, VT); the fees, commissions, and management costs are often opaque; and if you want to take the money out, it involves complex operations such as loans and policy adjustments. In contrast, if the goal is to increase investment value, I would prefer to maximize the use of tax-advantaged accounts (such as 401k, Roth IRA) and the remaining investment through low-fee index funds or ETFs.

Rich-Contribution-84

I own them all as part of an awesome ETF called VT! And yes, I am very happy that I own them. I keep buying them every two weeks. I’ve been doing this for 16 years now!

Icy-Resident-4678

Both VTI and VT are good passive long-term investment options, especially if you don't want to care about it. It's totally fine to use them as core holdings. VTI focuses on the US market and has performed strongly in the past; VT is more diversified, covering the world, with slightly lower returns but more balanced. You can consider a combination of the two, such as 70% VTI + 30% VT, taking into account growth and diversification.However, if you are willing to take out a small part of the $300,000, such as 5%-10% (15,000-30,000 US dollars), and make some short-term aggressive investments, I think it also makes sense. Although assets such as Bitcoin and gold are volatile, they do have hedging or arbitrage opportunities in the current global uncertainty environment, especially Bitcoin is highly cyclical and has an active market; gold is relatively more stable and resistant to inflation.

gianna230

Solid plan. Lump sum beats DCA most of the time historically. VTI is great for US exposure, VT gives you global. Maybe 80/20 split if you want both. And yeah, keep that 2.9% mortgage. you're basically getting paid to borrow at that rate vs inflation.

safbutcho

So here’s the deal. The goal is “spend less than you earn and **invest** the delta”. Clearly you are frugal and doing great; your dilemma is how to “invest”. Hopefully these last few years you’ve at least had 4% returns on CDs or HYSA. I shudder to think maybe you’ve been earning only 1.5% in a bank savings account. That’s not investing; that is actively losing you wealth due to inflation. So, you’re frugal but you’re also risk averse. That’s not good or bad; it’s just a fact. That’s good to know about yourself moving forward. Paying off your house is a perfectly good investment. 4% CDs or TBills are as well. But if you add a little more risk, you can earn more than inflation. VT or VTI is a good path forward. But if you understand the **risks** of your low risk tolerance approach to investing and still want to pay off your house or earn 2-3% in safe investments, by all means do what helps you sleep at night. Good luck!

geekydreams

How does something like VT which has lots of different markets vs a S&P based ETF?

xiongchiamiov

If you're trying to leave this for your kids, you want to be significantly higher risk so it grows more. Interim volatility is irrelevant. I'd be thinking something like 100% VT. Invest like you're 30 years old.

Civil_Employee_4736

Maybe, maybe not. No one knows for sure. I will continue to DCA in VT and chill.

PoopyisSmelly

Yup, I have been investing for a long time and I only buy stocks when they are considered trading at a severe dislocation. I dont trade stocks though, I buy them until I think they are fully valued and sell them to buy more VT. I also listen to earnings calls and have a background in accounting, so I read all the financial statements. I think the majority of people should just buy an index fund and hold because its too much work to do it successfully, and even then sometimes you will be wrong. I certainly have been wrong before. I was wrong about First Republic Bank, I thought their balance sheet, profitability, and brand was enough to save them, and I was right but the shares became worthless when they were acquired - just shows even with everything aligned to get a good value stock it can still not work out. I bought them after they had issues with all of that in mind. I also wont invest more than 5% of my wealth in any one stock and wont hold more than 10% outside of VT. Its worked well but probably isnt worth the squeeze, I just enjoy it.

FortyYearOldVirgin

I’m glad that worked out for you but i feel this sub is more focused on that lucky strike like you made with RC but they’re not at all focused on your VT and chill method.  To me, the lesson is, VT and chill …and learn. Then dabble in individual securities after gaining sufficient skills and temperament. 

brewgeoff

Anything under 20 basis points (0.20%) is generally fine. Plenty of great quality target date funds exist in the 10-18 BP range. The more important variable right now is asset allocation. Your 2045 fund is ~15% bonds which generally grow less than stocks over the long term. For the next 10 years you are probably better off just holding a global stock fund like VT.

ModelingDenver101

Scared money make no money. I would personally do $10k into VT. $10k into QQQ. $10k into NVDA. Use the extra $5k for college.

UnKossef

VT The one fund to rule them all, one fund to find them. One fund to bring them all and in the darkness bind them.

Vagaborg

Yep. European investor here. My global index tracker still has 6% to go where I see VT just smashing it recently. Still struggling to get my head round if this weak dollar is a good or bad thing for me or if it doesn't matter in the long run.

SidTrippish

Haha you're right, I remember my parents ordering syrup from VT

FilthyWishDragon

Just buy VT (stocks) and BND (bonds) at whatever proportion suits your risk tolerance. No need to pay hundreds of thousands a year to these goofballs.

FilthyWishDragon

Just buy VT (stocks) and BND (bonds) at whatever proportion suits your risk tolerance. No need to pay hundreds of thousands a year to these bozos.

howtoheretic

I have a very similar setup to yourself. VT is still 65% US equities or something similar so you do want to keep individual funds to get more weight in international stocks. Check out the Avantis international funds as well, I think they'll outperform VXUS by quite a bit but moving internationally in general is a great play IMO.

Think-Variation2986

I don't understand why people don't take like half their profits and buy VT, BND, or NOBL or something. That's what I do. Once my options account gets to a certain size, all profits will be moved into my long account and into boring stuff that only an apocalyptic event would wreck.

xiongchiamiov

Do you believe that when Pepsi chose to list on nasdaq, that was a sign they were going to beat out Coke (who is on nyse)? If no, you shouldn't be investing in a nasdaq fund. Investing in a tech sector fund doesn't mean you believe tech will outperform other sectors. It means you believe it will perform better _than the collective group of investors believe it will perform_, because the higher expectations are already "priced in" (the stocks are more expensive). This is much harder to reason about and predict accurately for a novice investor. I would advise you to choose one of: * a target date fund, if you have a specific year you think your child will be using this money * a static allocation like [blackrock's](https://www.ishares.com/us/literature/product-brief/ishares-core-esg-allocation-brief.pdf) if the timespan is unknown and you are going to be looking at the account balance * a simple broad stock fund like VT if you will be truthfully ignoring the account balance during a time where the value drops 30-50% and takes years to recover FXAIX would also be ok for the last category although it puts you with single country risk, which I don't think is necessary.

15pH

Why not buy a fishing boat? It floats on water, provides food, provides a home, provides transportation, and goes fast. That's FIVE things! Your list of "things" is arbitrary and silly, IMO. If I asked you for $200k and said I'd give you $400k next year (and i had collateral to derisk it for you), would you pass because that's "only one thing happening?" No, you would happily double your money, because your total rate of return is all that matters. If a list of multiple growth methods is actually important to you, go buy VT, it has like 10,000 things appreciating and 4000 things paying you dividends. And it is less volatile than a piece of estate, massively more liquid, and provides higher returns for the last 100 years. And its income and growth can be compounded automatically. You left things off your real estate list. It loses 7% of its value when you sell it. It requires maintenance payments, often unexpected. It plummets in value when a big local business leaves town, or a road is built nearby, or the market tanks. It bleeds your income with Insurance and property taxes and income taxes. It costs you legal fees and stress when your tenant stops paying rent. Focus on the bottom line. Learn about other investment vehicles. Stocks, bonds, futures, options, commodities. If you really want to own and manage real estate, go for it, but for most people it is way too much risk concentration and effort for the mediocre returns you can get.

burn_bridges

VT and chill with the first dollar, all the way to the last. Maybe start mixing bonds in at $100k.

Disastrous_Equal8589

VT is the Vanguard Total World Stock Market ETF. This one fund owns thousands of the largest and most profitable companies across the entire world.

Disastrous_Equal8589

36 is young. If this is long term money then stick to VT and buy when you have the extra cash to invest.

PoopyisSmelly

That was a great time to invest. I remember Ruth Chris stock was down huge but had a massive cash pile with positive cash flow even though there were shut downs. I made a killing on that, also had META and a few small caps that minted cash for me. I firmly believe in VT and chill, but when there are severe market dislocations, its a good time to buy undervalued individual stocks.

xiongchiamiov

TDFs are designed to be the entirety of your portfolio. If you hold a TDF in one account, and VTI in the other, then you're overweighting US stocks (as compared to what the fund manager believes to be correct). VT would be closer, but doesn't hold bonds or whatever else your TDF has. That being said, if you aren't doing tax optimization or trying to get everything exactly balanced, VT or VTI+VXUS would be pretty fine in the taxable account. Btw: no 401k available? Are you eligible for an HSA?

Civil_Employee_4736

Gonna keep VT and chilling Bogle-style.

dizzlebizzle23

VT

LiberalAspergers

I mostly sold out of the US market, and moved my core 401(k) position from VT to VXUS. No complaints. The drop in the dollar over the past few months has been nice to me.

CSCAnalytics

You should liquidate all of it and buy an index fund. You got lucky. Google the research on the % of active traders that lose to “the market” long term (I’ll save you the surprise, it’s around 99.99%) and learn why that is (ex. Game theory, less diversification = drawdown risk with same or worse expected return, modern portfolio theory, etc.). I’ll probably be downvoted into oblivion by the day trading brigade, but please do the research and invest responsibly for your own good. You’ll thank yourself in 30 years if you buy a low fee, total world equities fund like VT, dollar cost average long term, and retire a multimillionaire in your 50’s. The biggest advantage someone can have in the market is time, the longer it takes someone to figure out how to diversify and invest responsibly, the more compound interest they throw away.

sapoabilio

I'm around 90% IWDA, 10% GOOG. And no, most people do not invest primarily in European stocks around here. If you check Trade Republic or DeGiro's most traded stocks it's usually full of American companies. Similarl for ETFs, even though VT and MSCI World are usually more common that American only ETFs.

Valuable-Drop-5670

good question, most Americans have access to international through index funds like VTIAX or VT. ppl can buy ADRs as well, but most ppl buy low expense ratio funds like these.

Fapados

Europeans mostly buy VWCE (UCITS equivalent of VT). S&P 500 is still a popular option, but if you look at any EU finance subreddits, you'll come across VWCE 90% of the time. However, if you move to Europe, you're gonna have to switch to UCITS ETFs, because we aren't allowed to buy US ETFs. Even in a non-EU European country, where you *can* buy US ETFs, you still shouldn't, because Ireland domiciled ETFs are better tax-wise. The UCITS equivalents are mostly the same, the differences are minor.

icsh33ple

VT and chill is all I do.

MySakeJully

for most work-sponsored plans, i think a full investment in S&P 500 is fine. main reason for that is generally the other options are crazy high ER ratios. once you start having multiple investment vehicles and add a Roth IRA i’d do a more diversified portfolio in it like VT.

SmallCapsOnly

I’d argue that an ETF like VT is the market bench mark as it encompasses the entirety of the world market. VOO is just the US part of that market. I’m not against what you all are saying but SCHD might make more sense for someone who wants to taper the amount of volatility they see while still earning more than enough in returns. Since SCHD is focused on dividend earning companies and those companies have a bit of defense in recessionary periods. Majority of retirement plans need little more than a 4-5% return on average for the entire life of the individual.

Huge_Monero_Shill

46k + whatever he would have made if just invested in VT and sat on his hands. Like, how long was this? Looks like at least 4 years.

FLGuitar

I did the same, but I also needed some of my funds for a building project (new pool). However I did move the remaining back into the VT for now. I haven't lost anything, but I am also only up like 2% for the year. I could have done better in a HYSA. I don't know how to feel about it, I just wish Orange Julius, shuts the fuck up and lets things stabilize for a bit. He could also stroke off and I would be ok with that as well...

andybmcc

I'd suggest choosing something like VT. It has very high volume and contains the global equity market at cap weight. It's like the TDF minus bonds. At 16, she has a big runway. Fixed income assets are probably better off in a pre-tax account later on her investing journey anyway.

Ikitenashi

I'm currently 27 years old and these past couple months I've been catching up with John Bogle's philosophy for investing and I've found it particularly appealing considering my type of personality. I've been irresponsible with my money in the past but that ends now and I need your valuable guidance. Wanting to craft my personal investment portfolio, I decided to adopt the VT and chill strategy in the very, very long term (decades) and stay the course with it come what may. However, I've also read that for us investors who live in México, it is wise to rather acquire stocks from index funds such as VRWA and ISAC instead of the traditional VT so we don't have to pay as many taxes. Considering such circumstances, my questions are: 1. Is this true? Better to skip VT altogether and go for another index fund? 2. Which of the two, VRWA and ISAC, is preferable for a Mexican boglehead and why? Is the difference significant? 3. Should I complement my portfolio with bonds or can I go all in on one single ETF? Can it really be that simple? I appreciate your input and look forward to reading your comments. Thanks in advance.

Rib-I

This is what I did. I did briefly hold more SGOV than normal just to see how things shook out and I have no regrets. I also upped my 401k contributions a bit to essentially "wait out" this nonsense. I am only now dipping my toes back in in terms of my taxable account and I am primarily just gonna go into VT because I am tired of trying to make predictions with such an unstable loon turning tariffs on and off like a friggin lamp. If there's growth anywhere in the world, I will get a piece of it.

mediumlong

Stop trying to find a needle in a haystack (i.e., buying stocks of individual companies, when we know that the majority of companies are losers). Buy the haystack (i.e., buy total market index funds, like VT or VTI).

LividChocolate4786

The long term capital of the world (about 450 trillion in today’s dollars) is never going to be sitting in fiat cash for any significant amount of time. It will always flow back into assets, just maybe not the same allocations as before. Government is irresponsible but the crash you are expecting doesn’t happen in the stock market. It happens in the bond market. It’s the dollar that continues to crash. Via increased deficit spending and money printing. Rates will eventually be lowered and you won’t even get that “risk free” 4% on your cash for much longer. The responsible thing to do would be to buy and hold every major asset like VT, gold, and bitcoin. Never panic sell and buy more if you can during dips. It’s hard to not increase your wealth with such a strategy. But sitting mostly on cash is a guaranteed loss.

Helpful-Staff9562

All world fund is better like VT

CertainMiddle2382

Hopefully the answer to efficient markets is always the same. VT How boring lol

StaggeringMediocrity

Well, VT is the Total World Stock ETF, which also contains US companies. If you really want to fine-tune your exposure it would be better to go VTI and VXUS (just international) in whatever proportion of US/international you want.

Various_Couple_764

it hold large companies only. Small and midsized companies are excluded. S&P5000. Some prefer VTI (total US market. OR VT total world market.

CSCAnalytics

If you have no clue how investing works you’re going to be asking the wrong questions. Unless you tell it to prioritize diversification in line with modern portfolio theory, you’re probably going to get advice that goes against the actual well researched theory of investing. ChatGPT regurgitates what it thinks will be the most likely acceptable answer to a general audience. The general population doesn’t understand modern portfolio, likely due to industry forces, otherwise everyone would just buy a low fee passive total world index fund like VT + scale into a diversified bond fund when approaching retirement, and the FA industry would go belly up.

InterviewLeast882

VT. Own the world.

Zerostatic

It’s good but I prefer Total World Stock Index (i.e. VT). I’m a hardcore efficient market theorist and don’t believe in making bets on anybody.

davecrist

Just VXUS and just VT would have made you a million. VOO should have made you almost 1.8 million so you may HAVE been trying not to make a million. Hell, just buying bonds making 2% would get you close. My point is that the S&P500 had nothing to do with it, especially over the past 12 years.

FaIkkos

Do you mean VT for international exposure? VTI is just the USA