VT

Lonely_District_196

QQQ is manly tech stocks VOO has much wider diversification. Also, it's popular. There's probably better SP500 indexes with lower expense ratios I've honestly seen a lot more people recommend VT lately

Virtual_Product_5595

You seem to have missed his point. Dips are an opportunity to accumulate more - right now VT is at an all time high despite the overall chaos in the US / world (tariffs, war, Iran preparing to begin financing its activities with transit fees thanks to what has gone on over the past year or so). I see the logic in pulling some off the table while it’s high (shift allocation towards bonds / more conservative). Put it back in either when the market reflects the risks or when the risks dissipate (once the hamberders have completed their work).

Bob_the_peasant

Eh someone says “full port VT” probably

Valvador

When people talk about Tax Loss Harvesting, it's a lot more useful to do if you are manually indexing (manually buying stocks that are part of an index). Morgan Stanley basically tried to convince me to use them as an advisor over VT/VTI because I can do direct indexing, which lets me Tax Loss Harvest by selling individual positions, which you wouldn't be able to do if you had VT/VTI, since it's a single fund. Say you are holding the equivalent of VT, but the specific individual stocks (complicated portfolio). The one benefit of this is that if you ever wanted to sell some VT, even if it grew by 100% you can still probably find some stocks in there that fell and sell them off to offset your gains, extracting cash without owing any debt. Now this fundamentally changes the composition of your "index", and you'll have to re-allocate to make up the difference if you truly want to track the index. But the trick is still there. You can't really do that by holding big funds.

Valvador

> Since the cash is in an IRA and I’m not at retirement age, I’ll end up reinvesting it soon enough and will likely follow the original allocation plan for my age bracket that I was planning to before I just hit sell all. 🤮 Anyone else in the same boat? No, because my 401k is in a target-date fund that is split between a very small amount of bonds, and mostly VT-equivalent. It sounds like you're trying to time the market.

blorg

I would never recommend going all-in on ex-US and dumping all US holdings. That's a strawman. The core argument for diversification is holding both. Even at global market-cap weights, you're still ~60% US, even the base case here you're more in US equities than not. I prefer VT for simplicity, but it's completely fine to choose an intentional home-bias (like 70/30 or 80/20 US). What doesn't hold up is using macro narratives to justify a 100% US allocation. This is all **Priced In**. >There aren't any tailwinds in a huge # of Ex-US countries. Market returns aren't driven by absolute economic growth or good headlines; they are driven by performance relative to expectations. Everything you listed, China's political risk, Japan's demographics, European stagnation, or the UK's GDP per capita, is common knowledge. Because it's common knowledge, it's already priced in. That's why ex-US equities trade at a massive valuation discount compared to the US. For US stocks to continue outperforming, US corporate earnings don't just need to be good, they need to consistently exceed the extremely aggressive growth expectations already baked into today's sky-high valuations. For cheap international stocks to outperform, they just need to turn out *slightly less terrible* than the dismal scenario the market has already priced in. Research has actually shown there is a [zero or slightly negative correlation between per-capita GDP growth and real stock returns.](https://www.sciencedirect.com/science/article/abs/pii/S0927538X05000338) [[2]](https://finance.yahoo.com/news/oddly-stock-market-returns-gdp-203439790.html) You're simply looking at the wrong thing here. *It's not what you buy, it's what you pay that counts. Good investing doesn't come from buying good things, but from buying things well.* - Howard Marks >I'll start buying as soon as Ex-US companies become household recognizable names. Waiting for companies to become household names before buying is literally a strategy for buying at the top. The entire point of value/international diversification is buying productive assets before the market prices them higher. Beyond that, ex-US companies are already household names: Nestle, Toyota, Samsung, Novo Nordisk, LVMH, Sony, Unilever, Shell, and ASML and TSMC (who are responsible for producing the chips inside the American tech everyone is bullish on). The US is the strongest market in the world today, but betting 100% of your portfolio on the assumption that current US valuation multiples will expand indefinitely, and that no other market will ever experience a multi-decade cycle again, seems wrong to me. It can't do this forever: indefinite relative outperformance is mathematically impossible unless you believe US equities will eventually account for 100% of global market cap and total global GDP. You are right though that we don't know when it might change. Hence why I just buy both and don't try to time it.

blorg

I would never recommend going all-in on ex-US and dumping all US holdings. That's a strawman. The core argument for diversification is holding both. Even at global market-cap weights, you're still ~60% US, even the base case here you're more in US equities than not. I prefer VT for simplicity, but it's completely fine to choose an intentional home-bias (like 70/30 or 80/20 US). What doesn't hold up is using macro narratives to justify a 100% US allocation. >There aren't any tailwinds in a huge # of Ex-US countries. Market returns aren't driven by absolute economic growth or good headlines; they are driven by performance relative to expectations. Everything you listed, China's political risk, Japan's demographics, European stagnation, or the UK's GDP per capita, is common knowledge. Because it's common knowledge, it's already priced in. That's why ex-US equities trade at a massive valuation discount compared to the US. For US stocks to continue outperforming, US corporate earnings don't just need to be good, they need to constantly exceed the extremely aggressive growth expectations already baked into today's sky-high valuations. For cheap international stocks to outperform, they just need to turn out *slightly less terrible* than the dismal scenario the market has already priced in. Research has actually shown there is a [zero or slightly negative correlation between per-capita GDP growth and real stock returns.](https://www.sciencedirect.com/science/article/abs/pii/S0927538X05000338) [[2]](https://finance.yahoo.com/news/oddly-stock-market-returns-gdp-203439790.html) >I'll start buying as soon as Ex-US companies become household recognizable names. Waiting for companies to become household names before buying is literally a strategy for buying at the top. The entire point of value/international diversification is buying productive assets before the market prices them higher. Beyond that, ex-US companies are already household names: Nestle, Toyota, Samsung, Novo Nordisk, LVMH, Sony, Unilever, Shell, and ASML and TSMC (who are responsible for producing the chips inside the American tech everyone is bullish on). The US is the strongest market in the world today, but betting 100% of your portfolio on the assumption that current US valuation multiples will expand indefinitely, and that no other market will ever experience a multi-decade cycle again, seems wrong to me. It can't do this forever: indefinite relative outperformance is mathematically impossible unless you believe US equities will eventually account for 100% of global market cap and total global GDP. You are right though that we don't know when it might change. Hence why I just buy both and don't try to time it.

Flayum

Why? Just do VT or VXUS

Flayum

VT and chill

overitallofittoo

Ditto. VT or MO.

iwaseatenbyagrue

Whenever I think about selling, I move to a global ETF like VT.  I just hate missing out on pumps, and this is a midway step in my opinion.

elnino_1993

Relax tiger, just 0.08% of all holdings in VT

Maleficent_While2653

VT is the best inflation hedge. Not gold. Not bitcoin. Not real estate. Not bonds. You just have to accept short term market fluctuation.

FewUnderstanding2214

What about start with VT

Not_RZA_

Sorry but no. Roth should be VT and chill

InvestInTwinkies

This wouldn’t be the advice I’d give to someone else, but for me personally I’d probably go VT/BNDW/SGOV/PHYS in 50/20/20/10 Someone else I’d tell them it should be in 100% SGOV + maybe a TIPS etf and to simply put aside more than they think they’ll need. The advice to someone else would depend on what the money’s for. If it money for a downpayment on a house then you could probably get away with simply adjusting your timeline or just putting a smaller downpayment down. Situational, but yea that’s roughly what I’d do

Sufficient-Flan1565

Pump continues tomorrow boys or no? Looks like bag7 and semi are pretty reasonably priced at this point so I’m considering going VT and chill rather than TQQQ

BarefootMarauder

*Safest* is HYSA or US Treasuries. But it could depend on the agreed upon definition of "safest" and "investment". To me, those aren't investments, but rather they are places to keep cash safe. For an actual investment, I'd say a low-cost total market or world market index fund. VT & VTI would be examples.

Street-Software3896

You should diversify your financial guys too, stop diversifying with 1mill stocks and just get VOO and VT, thats it.

cantthinkofuzername

Market weight is still pretty heavily in tech. But VT and chill is working for me. 🤷‍♀️

TheJustinG2002

Personally, I just VOO, VT, BRK-B and chill lol.

Sufficient-Flan1565

Up 9.8% ytd. VT and chill now. Lost money in shitty companies in the year beginning uber Nflx ADBE now

venture243

it already had a run up. this ETF can move very slow and then go either direction suddenly due to something on the other side of the world better off with VOO/VT

ceilidhfling

From a boglehead that thinks every once in a while about doing gambling with a small % of my portfolio: 1. so very very sorry for your loss. 2. you legit can just let that money sit for a year or two while you work through your grief. 3. if you are going to gamble, try to keep it to <10% of the windfall 4. [https://www.bogleheads.org/wiki/Managing\_a\_windfall](https://www.bogleheads.org/wiki/Managing_a_windfall) 5. VT & Chill, don't squander your father's legacy, he loved you and would have wanted you to be taken care of. [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) 6. the folks selling stock picking would love to separate you from your father's legacy don't fall for the advertising.

Sufficient-Flan1565

I’d lean towards VT

Dull_Judgment1587

VT fluctuates with the market. To achieve VT-like results with Fidelity funds, buy FSKAX/FTIHX at whatever is the current market cap (61.90% US according to Vanguard website) and then don't rebalance (let it fluctuate with the market conditions like VT does).

JS1101C

Just put it on VT for now 

ShadowRegent

In my opinion, market cap weighted should be the starting point-- VT is about a 60/40 split. US has outperformed for a while, but also has richer valuations. None of us know with certainty what the future holds. Reasonable people can disagree in both directions. The most important thing is to develop an Investor Policy Statement with your rules and reasons and stick to it.

Sufficient-Flan1565

I’m up now 3.3% ytd. Happy with my performance this year. Might go VT and chill for the rest of the year

Super-Loquat3585

Good luck OP. Just VT and chill from now on.

abstractraj

I would create two “buckets” CD can work for a safe stable bucket. Keep say 3 years of expenses in there. Then the other bucket is made up of just using an index fund like VT. That will have chance to go up with the world markets over time. If there is a downturn, use you CD bucket, otherwise use the index fund bucket

rpachigo1

Not who you directed your question to but VT is everything. I'll be 100% equities forever. SS will be the "bonds." A decade behind you.

NatureBoyJ1

It totally depends on your risk tolerance and investment sophistication. At 65 (assuming taking SS as a solid income floor), a 70/30 stocks/bonds portfolio with VT for the stocks and SGOV for the bonds would not be unreasonable. Yes, you could split the stocks up into more funds (dividends, small-cap tilt, etc.) and the bonds into international bonds, inflation protected, non-government, etc. but you're quickly splitting hairs and adding complexity for unknowable advantage. There are many sites that provide model portfolios (Bogleheads being one of the better known), and "mostly' bonds at that stage of life is not a typical recommendation.

FewUnderstanding2214

If you lost everything then you weren’t profitable, you had 100% losses. 7 years of investing in an ETF like VT, you could have hundreds of thousands of dollars

Former_Farm_3618


JoeRidesBikes

Are you going to need the money in two years or is this for retirement? If you need the money when you get back, put it all in an HYSA, CD or SGOV. If it's for long term investing (retirement) put 100% of it into VT or VOO or whatever index fund you desire. What is the money going to be used for in two years? Start there.

SirGlass

Why put this completely arbitrary restriction on yourself ? You know you do not need to place an arbitrary box around yourself then decide your investments from this random restriction? Its like someone asking "Hey I only want to eat two things for the rest of my life what two things should I eat?" Well the answer is don't place this weird arbitrary restriction on yourself However the answer is just broad index funds, just do VT or VTI

ekemp

\*sniff\* \*sniff\* That was beautiful. ...But VT and chill is also a good strategy.

Str8truth

VT and chill.

EnvironmentWeak2100

Or put it in VT and gamble the rest

InvestingNerd2020

Wrong subreddit. Go to r/ETFs. To answer your question, either VT or SCHB.

HystericalSail

VT, a small % of cash to deploy to TQQQ after big sell-offs.

PDXOSU

My wife is gonna think I’m a god because I’ve been buying MSFT AMZN and VT in her account this year

RealSoil3d

When you buy VT, the fund occasionally send you an email about companies with HUGE potential

Mr_Mi1k

S&P 500 / VT and don’t think about it for 20 years.

ethereal3xp

Semis are the best for gains in the long run. If you need to retire soon or can't handle the volatility. Invest in SP500 or VT.

deadmonkey03737

The entirety of VOO is within VT. It’s pointless to concentrate extra funds on just those companies

Square_SR

I have thoughts but really just read this: https://www.bogleheads.org/wiki/Prioritizing\_investments I’m sure someone has said this already, but if your 401k has no match then contributing to and maxing your HSA (if possible with a HDHP) and your IRA (Traditional or Roth) should be top priority. Not only are these tax efficient, but you can often buy VT or other low cost index funds to keep everything low fee compared to a 401k. Depending on income and depending on your particular 401k plan you’ll want to contribute as much as you can up to the limit (which is large, maxing 401k is not feasible for most people obviously), but there isn’t like a separate limit for Roth vs Traditional. You don’t need to contribute to both - basically just pick Roth if you think you’re in a lower tax bracket today than you will be in retirement. If that’s not true then go traditional.

kmouratidis

I had sold some 155 CSPs, and I had some 215 calls, but yesterday and today I chickened out (and went regard bear) and only kept a few of the CSP and bought half the number in protective puts so I don't get royally fucked. Well, shit. I'm more sad that I'm a regard. On the plus side, every $$ that went out of options in the last 24h I put into VT, and the remaining will go there too soon, and I'll hopefully stop resorting to gambling.

Panoramix97

If you dont know anything and want to invest for 10y+ Buy an ETF full port folio Xeqt.to if you canadian VT if you are american

TreGet234

International stocks and currencies aren't in much better positions. I do think spy won't beat VT anymore going forward.

edmundsmorgan

100% VT or Voo Don’t split between them

Noble_Grove_3168

VT is simple and globally diversified, but it's worth comparing the overlap before switching

saltandpepper96

VT or VOO and fuggitaboutit until closer to retirement.

greytoc

VT is not a UCITS and it may not be compliant in the UK. VT tracks the FTSE Global All Cap Index. If you want a fund that tracks that index - there are UCITS such as VWCE and VWRL. Note however that these funds are USD and not currency hedged. So if you care about currency fluctuations against pound sterling - you may have to use a different fund. There are also UCITS funds that track MSCI World Index which may fit your needs.

greytoc

VT is not a UCITS and may be considered non-compliant in the UK. What you are probably reading may not apply to you. Afaik - there are no UCITS funds that track the CRSP US Total Market index. Is there any particular reason why you want to track the CRSP US Total Market index? That index is not more diversified than the combination of WRDA and HEMC. VT is a US market only index fund. If you want a single equity fund that is globally diverse - look at UCITS funds that track the MSCI Global Market index. There are a bunch of them. Don't forget that you may want to use a currency hedged fund if you care about currency fluctuations against the pound sterling.

Tall-Classic-6498

Just buy VT fuckin nerd 

bslow22

Would an easy one be to increase VT or cash percentage or were you mostly asking about safer individual stocks?

GaylrdFocker

Is this a taxable account? Do not use Fidelity's zero fee funds in a taxable account. If you ever leave Fidelity they cannot be transferred. Just do VTI/VXUS split or 100% VT. If it's a retirement account like an IRA, FZROX and FZILX are all you need. FZILX replaces the Intl fund you listed, and everything between those that you listed are not worth it. It reduces your diversification for a higher expense ratio.

InitialPsychology731

How's VT more than 1% diwn smh, might as well go into options

Flayum

That's why you don't pick stocks, just get the broadest non-overlapping ETFs. Why QQQ, when you could VOO? Why VOO, when you could VTI? Why VTI, when you could VT?

DontPeeInTheWater

~He~ Everyone here should really just VT and chill.

azure275

And then there's the international/VT-VXUS proposition

Kentuckyquestioner

I went from not investing and just putting everything into a savings account for the last 8 years because I didn't really know much about finances, and finally decided to learn and do some research and whatnot. Put most in VOO, and some in IEMG, VT, SPMO, XMMO, a little in bonds and a few individual stocks I liked. at the start of June. I chose almost the worst day possible, and I'm down 6%. Like I thought I was being responsible starting to invest and not gambling on daytrades or anything, and instead I've immediately lost thousands of dollars. Fuck the stock market

Bowl-Accomplished

From what I can tell it's essentially VT, but since it's based outside the US the tax treatment is worse for US citizens and the expense ratio is a bit higher.

Maleficent_While2653

Just stick to VT. You will get rug pulled in anything else.

kmouratidis

That's it. I just closed most of my options positions and just rolled it into as much VT as my broker would let me. Thanks and fuck you, regards.

Efficient-Fudge-3515

The best strategy is to invest in VOO, VTI, or VT and hold for a long period of time. The strategy is so good, that it is guaranteed to make you money and outperforms 85% of financial advisors who spend their life studying the market.

hadtolaugh

I’m just tracking S&P500 via VOO. The other two are good as well if you want broader exposure in US (VTI) or Global market (VT) than S&P500 provides. I have a little of the others as well, I just trust the balancing of the S&P500 more than the others for regular buys.

thorn960

VT and chill

LuckyNum2222

Any reason why VOO over VTI or VT? Just curious if there’s a reasoning

BurnsinTX

Yes listen to this and don’t listen to any Wall Street bets or other stuff. At your age I picked 5 stocks. No ETFs, just individual stocks. One of those was NVDA, in 2009. You’d think I crushed the market returns, well guess what, even with NVDA in 2009 all my other picks after that lowered my total return to roughly 10% over the past 17 years. If I would have picked VT and chilled, it would have been the same result. For those others reading it I went big into marijuana stocks in like 2019 which killed my total returns. VT, VOO, whatever just hold and chill!

Hoosier2016

I wouldn’t let my funds sit in lifecycle funds. They’re too conservative for basically anyone 5+ years from retirement. I would be 100% VT. Still got great gains, but could have had more if bonds didn’t drag me down.

Laakhesis

100% $VT Focus on more contribution than chasing high growth volatile funds Live outside the charts.

Pretend_Composer_308

VT and chill

EpicDOgeMC

2018 to 2025 was a very unique situation, unlikely to happen again. Gold has no intrinsic value. It is a commodity, and produces no cash flows. Buying VT instead of gold, or moving 100% of your gold to VT, will almost certainly do better long term.

brown-ale

Risk vs Reward. Single stocks can be great but a reminder that there's no crying in the casino. ETFs like VOO, VTI or even VT should be your foundation (say 50-90% of your portfolio, depending on your situation)

Flayum

He should really just VT and chill.

Flayum

>  you need to pick individual stocks and that ETFs won’t get you there lol, this is also a way to become “seriously poor” and put yourself on the meme sub. You have a business, focus on that and upskilling yourself.  You shouldn’t be thinking about your investments. Put your excess cash into the best tax-advantaged vehicles you have available to you and just throw it into VT or VTI (if you don’t want international exposure for some reason).

dogs_gt_cats

It is, though I hate that the underlying index changed its rules just to let SpaceX in. I am long VTI/VXUS for myself (I like the foreign tax credit), and hold a long position in VT for my child.

lightlylevered

VT is pretty globally diversified.

JohnnyIsSoAlive

The size of your problem is very manageable. You’ve lost some of your money, but you’re not in debt. The money that you’ve lost seems like a huge mountain relative to your current income, but in the big scheme of things, it’s not that much. The money is gone. Accept it. Don’t try to gamble to get it back. If you save a good chunk of your income from each paycheck, systematically invest it in a broad index ETF like VT and just keep doing it until You get close to retirement, you’ll be fine.

dissentmemo

You don't need an app. Buy and hold low cost broad index funds like VT and keep doing that.

drew-gen-x

I'm more concerned that the Nikkei is down -4%. The KOSPI is 50% 2 stocks, Samsung & SK. Regardless this is why I am 90% invested in World indices/ETF's over individual stocks. I don't think this stock market bubble will ever pop. The stock names will change thou. Currencies have become so worthless that the bubbles must continue. You have countries now that have their entire future economies tied to infrastructure investments & growth. SK hynix & Samsung are no diff to SK than Google, Microsoft, META, & Amazon are to USA economy. I realize I'm likely in the wrong reddit group. Buy the entire world ($VT) & not ind stocks & you'll be ok. Hedge w/ 10% gold. That $20 that was redeemable for 1 oz of gold in 1934 & 1 share of the DOW Jones for $42 is worthless in 2026 comparatively now. And that was less than 100 years ago or 3 generations. The stock names will change but the trend will not.

ceilidhfling

I know this is antithetical here, but have you considered taking 2x your contributions and throwing it in VT and then continuing to play with the other 90k?

dogs_gt_cats

VT. That's it. I personally would avoid anything dividend related for a child. And I'm saying that as someone who actually likes dividends. This is the wrong place for it. Just focus on growth. The child won't need income for years and years, so all you're doing is creating tax drag for no real gain.

h33b

I just buy VT and don't worry too much about things.

Maleficent_While2653

Where are you getting these numbers from? [https://totalrealreturns.com/n/VOO,VT?start=2021-07-26](https://totalrealreturns.com/n/VOO,VT?start=2021-07-26) BTC has returned 62.59% over the last 5 years. Nobody said it has to have infinite returns. But given the risk investing in BTC, you should expect higher returns than a basic index fund. Otherwise what is the point?

therealsilentjohn

> returns on BTC are rapidly diminishing Nobody ever said it would be infinite returns. That is silly. That is a silly argument. With *any* asset, the most outsized gains will be when it is a new asset. Bitcoin's mcap is $1.303 Trillion ... it's not going to move like a small cap asset anymore, > to the point where it's 5 year return is now lower than both VOO and VT |Asset|5-Year Total Return|5-Year Annualized Return (CAGR)|Data Source Date| :--|:--|:--|:--| |**Bitcoin (BTC)**|**~146%** (Estimated)|**~19.7%**|July 2026 (Derived)| |**VOO** (S&amp;P 500)|**+46.75%**|**+7.97%**|July 23, 2026| |**VT** (Total World)|**+32.94%**|**+5.86%**|July 23, 2026 ---

Maleficent_While2653

Or just buy VT

Patrick_Atsushi

If thing goes good they won’t thank you much, but if thing goes south you are the one to blame. the only thing sounds safer is VT or SPY.

zxc123zxc123

I always get confused why everyone suddenly treats it like a game where the S&P500 as the bar. If that's the case folks should just do the following: 1. VOO + 10% margin 2. 90% VOO + 10% SSO 3. 90% VOO + 10% QQQ 4. 90% VOO + 10% 1 stock that outperforms it 5. 90% VOO + 10% VOO LEAPs 6. VOO with you running CC 0% APR promo arbitrage 7. 90% VOO + 10% ES futures 8. 100% VOO + selling far OTM puts 9. 100% VOO + selling far OTM calls 10. Any combinations of the above. Then you'll ALWAYS beat the S&P500, but let's not fucking dick ride an index or VOO like it's the end all be all of investment. If anything, you're just running over weighting US in a period where the US has seen heavy out performance. Treating VOO like some holy grail over VT is no better than those guys treating QQQ has a some holy grail over VOO. Let's all just delete our accounts, turn off our brains, and 100% auto invest everything into VOO! /s

Riotroom

90% set up a passive 60/40 us/global like $VT. Do whatever you want with the remainder 10% full port gold or tech or throw it in trash or ball out in Vegas no ragrets

Saths69

Lol. Let's hope green tomorrow, I'm into VT and chill gains

ComfortablyNumb8357

Never been an investor in physical assets myself. Just a simple VT guy. Is there a benefit to physical gold vs just buying a gold ETF? Seems the latter would be much more liquid.

GarageEven5240

If you take the position that Disney has unique and universally appealing IP, and you also take the view that technological progress causes disposable incomes to increase globally over time, then the growth story is that as people around the world get wealthier, they'll buy more Disney products. Of course that's also basically the argument for VT, with way less concentration risk.

HotFoxedbuns

Bro, calm down and just VT and chill

IntelligentKey6929

Your grandfather should be in very conservative products. You, however, should get in the market ASAP. Just buy something like VOO or VT and let it ride for 40 years.

alteraltissimo

Same, VT and chill with occasional satellite tech position when I feel something is oversold (e.g. GOOGL last year). Come to shitpost and enjoy the gain/loss porn.

arcanition

That would be the safest, but to be honest putting it into a very broad low-cost index fund (even a worldwide one like VT) would also be a good idea.