VT

jbearcats11

VT

oloolaa

Thanks for sharing. I 100% agree that this really is a strategy that would trap people into long-term effort. Value factor, especially leaning onto small cap value, seems to require long-term holding and investing to combat short-term negative tracking error. I do see people quitting this strategy because of the huge deviation they see in short term when comparing it with market performance (such as VTI or VT). Thanks again for providing your opinions on this topic.

MechanicalDan1

I third this, although long holding VOO, VTI, VT hasn't changed.

ikeepeatingandeating

VT

Curious-Manufacturer

How much money you have saved. You probably need VT.

Qjahshdydhdy

Or VT

JojoAnthony

Bro you're 19. Options=gambling invest in just VOO or VT. Finish school or your career path first. You're ahead of your peers atm.

DuePomegranate

The US is 60+% of the total by market cap. VT is 63.4% US. https://investor.vanguard.com/investment-products/etfs/profile/vt MSCI ACWI is 64.6% US. https://www.msci.com/documents/10199/8d97d244-4685-4200-a24c-3e2942e3adeb

Ok_Gap_3412

If you’re in it for the long term; - VOO: US market - VT: 60% US, 40% international - VXUS: 100% international Play with options and penny stocks, only with money you’re willing to lose

Dankomycin

I wouldn't gamble with options. If you want to save for retirement a Roth IRA is your best vehicle given the tax advantages. Can do VOO/qqq, or VT if you want to be conservative. If you want to invest and not have the money tied up bc u want to use it in 10 years then probably just a brokerage acc with the above ETFs.

Rich-Contribution-84

VT

Ok-Sheepherder7898

Can you compare your returns to VT?

Apprehensive-Fun5535

It depends, but you wouldn't cut them out just because they missed one trade where you would have made more money. Timing the market/individual stock picking is just gambling, and the overwhelming long term odds are that you and your investor won't be able to beat the market over time. If moving the money means that you'll just excessively tinker with your portfolio or try to time the market, that's not better. If you have been with them for 14 years, there may be a lot of gains and tax considerations of moving the money. I.e., if some of the funds are with exclusive mutual funds or private funds where you couldn't transfer-in-kind (without selling) to another brokerage, you may want to just leave it where it is. Moving forward, I would just put new deposits towards buying low-cost index funds on your own (just buy VT). If you want to stock pick, keep it to 5% of your portfolio.

Cracked_Tendies

Yes, exactly. Now the most popular ETF for this is VT, Vanguard's total stock market fund. But I would actually suggest a newer one AVGE from Avantis. They do a couple of nice things to get you a little more return 1) Vanguard rigidly follows an index and announces their trades ahead of time, so they get frontrun by hedge funds. Avantis keeps their intentions a secret until after they make a move 2) Avantis screens out small, unprofitable companies which tend to be leeches on global investment capital anyway 3) Slight value tilt helps mitigate bubbles and get you higher return because of that

Hans__Yolo

LOL, that $3k was a free loan to the Government. If you had done your taxes correctly and invested that amount in VT, you would have an easy $3.5k. Dummy. 

seeyam14

VT because I’m not a moron and have better things to do with my time like comment on these dumb posts

reddit_is_fash_trash

This is why /r/bogleheads only buy VT (I prefer a custom mix of VOO and VXUS).

Forsaken-Mark-1898

Ive been going back and forth on this as well. I have about 3 yrs until I stop working. My Bucket 1 is fully funded by my mil retirement which covers all monthly expenses and with a $1700 a month positive delta. Bucket 2 will be funded when I redistribute (2) 401ks. Right now Im looking at VOO, VTI, VT and SCHD. Bucket 3 is my Roth IRA and some precious metals. The IRA contains three bonds which have a yield of between 4.3% - 7.4%, as well as some REITS, International and Small/Mid cap ETFs.

Inner_Lynx_5002

VT

kitty_snugs

Join me on the VTI or VT and chill train. Index and ignore, then find some hobbies not involving trading.

MapleYamCakes

>How do I navigate if recession hits General advice is not to invest more than you’re willing to leave in the market for a minimum of 5 years. Diversification also helps. VT is total world stock market and captures every publicly traded company on the planet. Alternatively you could go VTI/VOO + VXUS to control your exposure to US and International independently. BNDW is total world bond market. Alternatively you could go BND + BNX to control your exposure to US and International independently. Recommend doing some reading on r/bogleheads

d3g4d0

$VT u regard.

AltruisticWeb3791

Could be 15% up if you just bought VT

FinanceFrogYT

At 26, your Roth IRA is actually one of your most powerful retirement tools. Even though the $7k annual limit feels small now, compounded over 30–40 years it can grow into hundreds of thousands of dollars. Because growth inside a Roth is tax-free, most people use it for higher-return, equity-heavy investments rather than conservative ones. If you already own something broad like VT in other accounts, you might consider leaning more aggressive in your Roth (like S&P 500, total market, or growth ETFs). The key is making sure it still fits your overall portfolio. Treating the Roth as “funny money” is risky since that tax-free growth space is valuable, but being aggressive with it makes sense at your age.

abundantpecking

Can a lower MER ever realistically justify foreign withholding tax? For example, VEQT has an MER of 0.24%. While VT has a much lower MER, Canadians are usually recommended to hold VEQT because of the additional foreign withholding tax that would be levied on dividends. Can a super low MER ever justify tax withholding inefficiency?

sloth_333

I max my wife and I backdoor roth every year. We have over 100k already. It’s all invested in VTI, VT and VXUS. 90% of that is just the 7k per year. We are late 20s and early 30s for reference. It’s going to be substantial by retirement

ptarjan

VT

Reddit4Play

If you don't know a thing about investing and want to invest in stocks then step 1 is to open a brokerage account (ideally a retirement account with some kind of tax advantages, like an IRA or Roth IRA if you live in the US). I'm not familiar with other countries, but stick with whatever passes for the big trusted brokers wherever you live like Fidelity, Vanguard, Schwab, or Merill. The last thing you want is for some Chinese fintech startup to abscond with your retirement money. Stocks and funds composed of multiple stocks all go by "tickers," or abbreviations. It's generally agreed that you won't go wrong putting your money in large diversified stock funds like VOO (largest 500 US companies) or VT (entire world stock index). Most of their value over time will come from a rising market value if you choose to sell your shares back to the market. If you'd prefer something more like a second salary (income) instead then you may prefer something like SCHD (which focuses on companies with larger payouts) or VIG (which focuses on companies which grow their payouts more over time). Many people say you should also diversify into assets besides stocks, so putting some of your investing money (maybe 10% or less if you're under 30 and up to 50% if you're in your 50s or later) in a bond fund like BNDW is worth considering. Overall this will invest your money in a wide variety of assets so that you can receive an average profit based on their performance over time. Don't use money you think you might need in the next 5 years to invest in stocks. Prices will fluctuate unpredictably and selling when prices are low because you suddenly need the money is how you lose a lot of money forever. You may hear about "diversification," which is protecting your investments from bad luck by owning lots of different things. Each of these funds has hundreds of unique assets in it so owning just one or two of the funds is plenty of diversification. It's very difficult to get a better return than the market average you'll get from one of these funds, but it is possible if you work hard and have a knack for investing in individual companies. If you think you might enjoy learning about it and want to try beating the average you can start with books like One Up on Wall Street and Beating the Street by Peter Lynch. He was one of the best investors of the last hundred years and his approach is very common sense. Start with just a few companies you think might excel with just 1 or 2% of your money in each. You'll make a lot of mistakes at first and it's better to lose 1 or 2% than 10 or 20%. You'll also get a lot of benefit from a more numbers-based approach, which you can start learning about in a book like The Intelligent Investor by Benjamin Graham or Aswath Damodaran's corporate finance and asset valuation courses on YouTube. After you've invested 10-30 companies over the course of 5 or 10 years and finished several of those books and courses you'll know for sure if you're cut out for individual stock investing or should stick to the large diversified funds.

mavric911

You can do both. 80% VT. 20% into what you feel is higher risk/reward and with in your tolerance

Sir_Richard_Dangler

This is how I do it. Heavy research to find a stock that has the potential to 2x or more in a year, without a too much downside risk. All in on said stock. Then later, I'll switch to VOO and VT to de-risk.

username_taken1776

Formatting tip, if you add two rows (hit enter twice), it will start a new paragraph and makes your holdings easier to read: Roth IRA: 100% VT Employer Simple IRA: 100% SPIAX HSA: 100% FZROX Brokerage: SOFI, HIMS, NVO, VTI

Doodl3s

if you plan on holding until retirement, put all 7k into the market now (time in market and lump sum investing generally beats timing the market or dollar cost averaging). As far as investing into what.... start browsing here, r/ETFs and r/Bogleheads . You can start simple; everything in VT (100% stocks spread over the world). At 31 you don't really needs bonds, but if you want to be more conservative go ahead and put in 5 or 10% if you're scared of market volatility. You can be aggressive and choose broad sector ETFs that have higher reward for higher risk, such as SCHG (growth), VOO (top 500 largest stocks), QQQM (tech), AVUV (small cap value), and some combination of the above to mimic a full market.

abundantpecking

Can a lower MER ever realistically justify foreign withholding tax? For example, VEQT has an MER of 0.24%. While VT has a much lower MER, Canadians are usually recommended to hold VEQT because of the additional foreign withholding tax that would be levied on dividends. Can a super low MER ever justify tax withholding inefficiency?

Electronic_Bee3134

I'm newer to investing. For my kids, I set up accounts that are: 50% VOO 10% BRK B 25% VXUS 15% AVUV 1. Am I really overcomplicating and better to just do VT? I like the addition of AVUV that gives me the small cap VALUE 2. If I keep this format, why is Berkshire so bad? Yes it's a single stock but operates almost like an accumulating ETF without the management fees. Not as my main stock but something to give additional broad market access. 3. Again, if I keep this format, any reason to want VEU instead of VXUS? 4. What else am I missing? I just keep having this sinking feeling that I'm screwing up their future 😞😞

GaylrdFocker

Just do 100% VT and don't worry about it. Max every year you can, and look at it in 40 years. At 22 you don't need bonds.

SirGlass

>but others say "Holding too much of your portfolio in one investment, even a diversified one, can leave you overexposed to risk. This does not really make sense , most target date funds do not hold "One investment" they hold usually some mix of USA stocks , foreign stocks , bonds This is not "One investment" it may be one mutual fund but it holds all sorts of different investments Its perfectly fine to invest in one fund as long as the fund is diversified like a target date fund is. Fore example take two portfolios 1 . VT 2. Split between VTI , VOO, QQQ, SCHG, SCHD , SPLG, IVV, VYM what one is more diversified , 1 2. holds a bunch of overlapping funds that concentrate on USA large cap stocks, just holding a bunch of funds is not diversification , you have to look at what the underlying funds hold VT is a world index fund that holds almost every public company on earth, 2 is a bunch of funds that only hold USA companies and concentrated on large cap companies. 2 is actually less diversified despite holding a bunch of funds

mauerfan

One million in VT right off the bat. Quarter mil in bitcoin. The rest in property.

LastChans1

Assuming no tax. I make a rolling 5 year Treasury ladder that throws off, say, 20k/year for me, and then whatever is left over,I buy VT in taxable brokerage account. I wouldn't quit my current job either; will take a few months to figure out in more detail what to do. If I decide to keep working, the 20k helps front-load a Roth IRA at the beginning of the year (am I still eligible for Roth IRA? something to look into.)

Mcslapchop

Not really enough information here. That's a very short timeframe, I will say, if this advisor is charging you 1% and then planning to just throw you into a cookie cutter "growth fund account" and not provide any actual advice then they're not worth it. You can easily just buy VT on your own which is just the total world market index ETF and not worry about it in the long term.

Valvador

Subreddits are full of different groups of people with different opinions. If you watch a single subreddit long enough you'll notice the same message that was buried one day is suddenly the top post on a different day. It's not that the subreddits opinion has changed, but maybe the community that is in rotation at that time is different. Use Subreddit comments and post to get a general "read the room" from people willing to share, and the rare occasional sincere individual that is actually sharing the deeply complex mental process for how they came to a conclusion that they did. When half the posts are "VTI/VT and Chill" you know you are talking to sheep that aren't putting effort into their posts and are regurgitating things that made them feel good. Slogans for the average fool that just wants a simple answer with no nuance.

Book_Dragon_24

You‘re a prime candidate for VT and chill. If you don‘t know anything, don‘t buy single stocks at all..

No_Raisin_1838

Probably VT or VTI+VXUS given how high the PE ratio of US stocks are right now.

dooknuckduster

SCHF looks like a international ex-US developed fund, and doesn't include ex-US emerging markets holdings (Taiwan, China, etc) Two low cost funds would be VTI or ITOT, (total US, SCHB is pretty close) and VXUS or IXUS (total international, including developed, emerging, and frontier markets). Or a single low cost fund with both US and ex-US would be VT or SPGM.

WorldofLoomingGaia

Any particular reason to do VTI+VXUS instead of just VT?

Impossible_Box8854

Of course anytime! I made a LOT of research on them. And I do like SCHD for dividends and being steady in price. I like VOO because it’s too companies in the United States and really good growth Potential continue to grow always. Then VT is basically the same but it’s Globally so I have an ETF for the States and one that’s internationally also which will continuously grow. And lastly I just added recently is SPMO I started looking into. Also great return as you can see and growth throughout the last 5-10 years. Great for me in my case to start at young and just make weekly occurring investments in all of them. I’m barely turning 23 so I really wanted to figure out by 25 what I really want to invest my money in and where I can see it growing for the next 35 years until I turn 60 and take it all out tax free and live my live with no regrets.

wye_naught

VT. VOO is US only. You want international exposure.

Impossible_Box8854

Your entire portfolio only needs SCHD, VOO, VT and if you want SPMO

BrewerCollie

You can put $7,000 each into an IRA each year. Research which makes more sense for your situation (Traditional or Roth) and $14,000 should be earmarked for that this year. S&P500 (VOO), or something even more diversified like VTI or VT.

Rosebunse

VT is nice. I have some German defense stocks, but be careful going too hard into those

OneOpening3992

Thanks, this is also on my mind as I have made some bucks in my VT (Vanguard Total World Stock Index Fund ETF) Would a VT for QQQ be a good guess? All Boats rise in a incoming tide, so I only risk a few percentage points..

mustermutti

The worst time to hold cash is at the bottom of a crash. The best time is right before a crash. If you're convinced that current stock market looks more like the former, then you're right that holding cash probably doesn't make sense. If you don't want to play market timing games and can commit not touching your stock investments for 10+ years, the prudent thing to do is buying a well diversified stock index fund (such as VTI for all-US, or even better VT for all-world). That strategy delivered pretty good and relatively predictable returns over the long run historically. Buying individual sectors like tech (or worse, individual companies) is much less predictable. Could turn out better, could turn out (much) worse.

Notallowedhe

i thought if you set a VTI/VXUS portfolio to the same split as VT it will keep the same ratio over time as US vs. international weight changes in tandem

StatisticalMan

Then don't own 100% US. VT (or VTI+VXUS). Now you own the global market.

leaning_on_a_wheel

People have been making posts like this for the entire multi-year bull run we’re on and they’ve always been wrong. The S&P could easily double again before we see a significant drop. Pick a broad index fund and make regular buys, that’s all you need to do. If you don’t want to be all in the US buy VT.

Rich-Contribution-84

VT

IronyElSupremo

> ACWI Probably the returns large cap has given, while it takes a lot for a small cap in VT (with over 9000 stocks) to register its gains. SPGM has outperformed VT as well in the past 10 years by almost 1%, with only a modest increase in ER, with less overall stocks (SPGM is a little more “concentrated” to the developed large caps). Was looking at it last night and ACWI may track a little better which is good for trading,

chopsui101

No matter what country you are from VT exposes you to currency risk.

xiongchiamiov

>Plus, with market ATH The market typically hits an all-time high about once a month. >and impending down turn That's been true for a decade. >it is very nerve racking. That part is correct. You have to fix your emotions. Use [system 2 thinking](https://en.wikipedia.org/wiki/Thinking%2C_Fast_and_Slow?wprov=sfla1) to decide on a plan, write it down, and execute it despite what your system 1 brain thinks. Here's an example: Invest $50k on the first market day of each month into VT, for five months.

Emergency_Shame3658

If international markets have historically outperformed US why are you in VT. It's majority US. Shouldn't you be invested in VXUS? you're not making sense

InvisibleEar

Deserves a solid 40% of VT

TallIndependent2037

VOO is very concentrated in one region one country and one currency. International markets have historically outperformed the U.S. market in the 1950s, 1970s, 1980s, and 2000s, and maybe again in 2025. Plus I'm not American, so feel no home bias or patriotism towards VOO. With all that in mind, I prefer the broader diversification of VT, which generally might mean lower returns than VOO in some years, but over a long investment horizon, gives a less bumpy ride and potentially larger returns in aggregate. Destination: Moon!

Helpful-Staff9562

Currency risk btw depends where one lives not everyone lives in the US or exposed to USD. I'm in Europe for example and spending is in EUR hence VT provides a much better hedge vs USD devaluation

Helpful-Staff9562

VT as we don't know the future

WarTide11

I have 2 rules when it comes to single stocks: 1. I have a sell price even before I buy the stock initially (so I don’t get greedy when it hits that number) 2. All gains from single stocks must go into a diversified ETF (eg VTI or VT) So I’d agree with your approach and put them into VOO/VTI/VT

UsedState7381

After I'm outta here I'm never buying anything else that isn't a broad market ETF like VT.

JamesTiberiusCrunk

4k a week over a year is more than $200k. So I guess I'd just put that into VT and then do that for about four years.

Salt_Data3707

VT -> chill.

PashasMom

VTI is over 99% US equity? Maybe you are thinking of VT?

datatadata

If you are coming VT and VOO, you are clearly clueless. Please get educated

meathead13_

You should probably just put it in an index like VOO or VT and forget about it unless you need the money When you go to retire whatever recession people think is coming will be a tiny blip on the chart. It’s not worth missing out on gains.

Roboticus_Aquarius

I would just pick one. Might lean VOO because I live in the U.S, might pick VT because of the diversification. I bet in 30 years returns are pretty similar.

4pooling

Long answer: My largest holding is FXAIX (Fidelity's equivalent to VOO) so I guess by default I'm going with VOO to answer your question. I do hold VXUS and VIGI too and those have been doing well this year. My personal weights of US and international stocks don't equate to the weights within VT, so I can't go with VT. Short answer: Gun to my head, I'm going VOO.

4pooling

For what it's worth, VT is outperforming VOO this year as of 9/9/25 because VXUS (the international component of VT) is outperforming US large-caps.

suburbanwalleyepro

VT. Voo is pretty frothy right now.

Emergency_Shame3658

Yea. The US has been on a tear since minus a handful of years, which VT also suffered at those points

harpswtf

It's also outperformed it going back 10 years, which is basically as long as these have existed. Definitely these could swap and there are time periods that might show VT being better, but bigger companies are continuing to really dominate the market with no sign of that changing any time soon.

Ecstatic_Wheelbarrow

Hasn't VOO beat VT every year since VOO was created? I forgot VT even existed until this post.

TRBigStick

Diversification >>>>> recent performance Gimme VT all day.

TallIndependent2037

VT is most diversified.

Electronic-Active651

VT, my crystal ball is broken.

harpswtf

VOO's outperformed VT over the past 5 years, so I'd go with that if I could only pick one

Imperial_Toast

Half to VT (vanguard total world fund ETF) and half to GLDM (low expense ratio gold etf)

Anceradi

EH is also developing air taxis, they just started smaller. I mention the VT-35 in my post. I find the military angle for Archer even more speculative, as the downsides of helicopters are less relevant for that use case. Ultimately, all three claim the same "air taxi" goal, even Archer, but I see it more likely to actually happen at scale in China before it happens elsewhere.

cool_yuwen

Your VOO is 100% US and VT is bout 60%. If you want to intentionally diversify away from the US.

SneezyMeezer

You’re already got quite broad coverage with the VOO/VT strategy here. That being said, I’d have you think of branching out to more growth focused ETFs like SCHG, VIGI, IXUS.. but DYOR as always, these would be nice for Cap gains in a taxable account. Good place to be at, congrats on attainting/maintaining good safety nets here.

Slachi2025

Rip Dollar Rather glad I'm Boglehead. VT ftw.

Willing-Promotion685

As you mentioned VTI is a good choice as VT or even VOO. If you are saving for college and decide to open a 529 I would recommend a target enrollment fund. These are truly set it and forgot funds that will move you from stocks to bonds as your kid approaches college enrollment. The idea being you take on risk now but before you need the money it gets moved into safe assets.

castlehillcap

VT is the Vanguard world ETF. They should have it?

castlehillcap

VT not VTI

choicefresh

How hands on do you want to be? VTI/VXUS in taxable will save you a little in taxes, between the foreign tax credit and tax loss harvesting. VT in retirement accounts. 

SerialStrategist

Days when VT outperforms SPY

Willing-Promotion685

100% VTI or VT. Open an account at a different brokerage and once you’ve deposited the money never check it again.

benjamaniac

Take every dime you can and put it in VT.

EggIsGettingRekt

You’ve already got a solid start, but right now you’re super concentrated in tech. With that $75k, I’d personally spread most of it into VOO/VXUS (or VT if you want one-fund simplicity) and just let your NVDA/TSM be the spice in your portfolio. Keeps you diversified while still giving you upside from tech

EchoFiveCT1409

Also 19m with a tech heavy portfolio, I've personally been diversifying a bit into VT and VOO and leaving my tech winners alone at least until I can cash some out with a long term gains tax rate. I'm aiming toward VT and VOO becoming a large core of my profile.

theironkillers

My buddy bought in on dumb luck during the low of 2022, with VT-global equity. It just happened to be when he entered the market, regardless of where it was. He didn't really notice at the time. He's up around 50% now, sweet mercy.

xiongchiamiov

There _is_ a bit of a dogmatic view that anything other than "VT and chill" is gambling. I see it fairly often in various investing communities.

KittyInspector3217

Divide by 52 and do a weekly DCA over the next year. Shit youve got 300k do it daily! Thats almost market is closed on weekends and holidays so thats over $1000 an order. Heres where intuition messes with you. You WANT the market to go down when youre shoveling money into it, that means its on SALE. More shares for less money. But your brain tells you that means its risky because youre focused on the future state not the current state. Thats why everyone panic sells at the bottom and buys at all time highs. If youre not trading and you plan to hold long term VOO over SPY. Youre paying a premium on SPY for liquidity. You dont need that extra liquidity youre not trading and VOO’s expense ratio is slightly lower too. Look into other indexes to diversify like VXUS (global excluding US) VTI (total US index not just S&P500) or VT (combo of VTI and VXUS). You probably dont need to hold both VOO and VTI if you look the top holdings are mostly the same. Just as you dont need to hold VOO+VXUS AND VT. Thats just buying the same stuff in a different fund. If youre super nervous about volatility, or youre later in life, Take a little bit…5%, 10%, 20% and buy BND (bond index) Your “diversified” passive portfolio should be a balance of US, global markets, and if you choose, bonds. There is no good reason to have bonds while youre in the “growth” phase with long time horizons just dont panic sell in down years and stay the course. It will be fine. But if it makes you more comfortable then thats the right thing for you to do just know youre leaving money on the table. If you dont have a rainy day fund already, then take 6 months of expenses from your 300k and park in cash in a high yield savings account before you chuck it all into VOO. Mortage, insurance, utilities, basic expenses. If you lose your job or need a new roof or have to suddenly buy a car or have a medical issue you use that money. Just remember that you have to pay taxes on interest accrued each year. If you dont have a Roth IRA and you are working then make sure youre setting $7000 aside every year for that. You can park 3-5 years of that Roths grow tax free and pay out tax free but you cant touch them until youre 59.5 without penalties (with some exceptions) Then take the rest, and if you dont want to lump sum it, figure out over what period of time you want it invested and DCA it in. I would suggest 80% VOO, 20% VXUS, and no bonds. If you want bonds maybe its 70VOO/20VXUS/10BND. And maybe buy 100 shares here or a hundred shares there of companies youre really interested in that you use a lot. Its a good way to keep you interested in the financial market generally. Familiarity breeds comfort. Buy a little bitcoin if youre interested in crypto or lockheed martin if youre into military tech or stryker if youre into medtech. Whatever. Love racecars? Honeywell owns garrett turbochargers. Finally, those are just the vanguard indexes. There are others through Fidelity or Blackrock or whomever. You have to look at their expense ratios and their composition to figure out what the best pick is (like i said about SPY vs VOO) but theyre largely interchangeable. You can checkout r/bogleheads for more on passive index investing. GLHF! DCA is the way! Set it and forget it. (But dont forget it in your case unless you want to keep DCAing $300k a year lol…)

LuxanHD

My answer was to the two choices which OP posted: S&P500 or invest in the top individual stocks. Given these two choices only, investing in a broad market index fund like the S&P500 will win by far. Now between VT and something like VOO, there is no right or wrong answers. Both of these are great funds to invest on, and it comes down to your personal preference and risk tolerance. I personally think VT is an impressive ETF; over 10,000 stocks worldwide; wow.

ikeepeatingandeating

I’m a VT guy, so top.. 3141. Is there research that shows that top 500 is the optimal setup?