VT
Vanguard Total World Stock Index Fund ETF Shares
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Is it ok to never have bonds if you start investing early?
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Low volatility factor investing is criminally underrated
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Is my portfolio made by my wealth manager too complicated?
Are these good lump sum buy and holds? VOO, VTI & VT
Thoughts on transferring “all” of my savings into equities
How should I invest to build wealth long-term in my early 20s?
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Would AVLV theoretically be any more profitable than a passively managed fund like VOO?
How much reasonable risk should I take on to maximize profit?
what's the point of tlt if it's just as volatile as stocks
I have a mental issue when benchmarking my portfolio - looking for advice.
Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Selling equities at a loss to pay for high interest mortgage
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
Have money in both Sofi Auto Invest and VT via Fidelity. Should I consolidate?
28yo, Is selling all my VGT and buying VT timing the market/performance chasing?
Are my portfolios any good? 96% equities / 4% real estate
"No more than 20% of one's stock portfolio should be allocated to foreign stocks? - Jack Bogle - Does this advice still ring true today?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Anything I should be doing to be more aggressive with my VOO/VT portfolio?
Why is the solar industry performing so poorly?
My un-intelligent way to make bets, as of now
What Do I Diversify Into? (small $ monthly investments)
Wanting to invest recent VA backpay - thoughts on how I'm proceeding about doing so
Invest in VTI and other "feel good ETFs" if you want to make less money.
How long do you recommend paper trading before doing actual trades?
Fidelity's Limited Automatic Investing Options vs Having More Accounts
My friend claims my method for investing may not be allowed, can anyone clear this up for me?
How is my Vanguard performance returns negative, when my investments are in the green?
why do people act like if the markets are down over a decade or more the world will turn into the last of us
How safe are ETFs if broad index funds didn't exist?
If safe ETFs broad market were an option - what would you chose?
Selling long dated deep ITM SPY or VT puts instead of holding shares.
90% are in blue chip stocks and VOO/VT (~85%). Also new to investing RIP
Should I keep holding ENVX and buy the dip?
Steak (Live Cattle) hits an all time high.
Please don't crucify me.. What is the actual point of all of this?
My Dividend Portfolio, 60 / 20 / 20 - VT / VIG / SCHD
Mentions
You already own REITs inside of VT. I haven't found any good arguments to overexpose to REITs specifically.
The search for a truly uncorrelated asset is more art than science. Bitcoin was supposed to be a diversifier but that never happened. Gold and silver have done well recently but over the very long term they basically move with inflation. I would just stick with 100% VT and not get cute.
Appreciate your sharing. VT is a clean one-stop option. I've seen some investors balance it with long-term assets that don't move with daily headlines. Do you think that's useful, or just complicates things?
> Sharing experiences could really help beginners like me understand the trade-offs better. Beginners should be 100% VT or an appropriate index target date fund. And quite frankly so should most non-beginners.
Honestly with your holdings, I wouldn't panic. Let time run its course. Contribute to things like VT going forward (assuming you're American, I'm not) and you'll be fine.
It hurts doing the math in how much I would have had I bought VT/VTI when I graduated college in the midst of the COVID spending bubble pop. Generational buy opportunity that I fumbled for no reason than wanting to try picking them myself
go 100% VT and never sell, that’s all you need to do and yep you should have done so years ago
Hi All, I would appreciate any guidance based on the below scenario please and how I should handle this? I am also over the income limit and need to change to a backdoor-Roth. Currently: Two IRA account (non-backdoor) – Fidelity - Rollover IRA - 100% VOO - more funds in here Vanguard - Roth IRA - 100% VTSAX Want to: -Combine my IRAs into one IRA account on Fidelity -Convert to back door -Still contribute for 2026 -Open up taxable brokerage Open questions: 1. What should be the order of steps to do this? Do I first contribute, then convert, then contact Fidelity to bring over my vanguard? 2. For My IRA, I am thinking of doing 100% VOO. For my taxable brokerage, I am thinking of doing 100% VT. I value simplicity and long-term boring growth. How does this allocation look? Thank you!
Hi All, I would appreciate any guidance based on the below scenario please and how I should handle this? I am also over the income limit and need to change to a backdoor-Roth. Currently: Two IRA account (non-backdoor) – Fidelity - Rollover IRA - 100% VOO - more funds in here Vanguard - Roth IRA - 100% VTSAX Want to: \-Combine my IRAs into one IRA account on Fidelity \-Convert to back door \-Still contribute for 2026 \-Open up taxable brokerage Open questions: 1. What should be the order of steps to do this? Do I first contribute, then convert, then contact Fidelity to bring over my vanguard? 2. For My IRA, I am thinking of doing 100% VOO. For my taxable brokerage, I am thinking of doing 100% VT. I value simplicity and long-term boring growth. How does this allocation look? Thank you!
This is why I hate maths :P Also why I DCA into VT, and chill.
Why not just buy now and **WAIT** You could have been a millionaire easy just buying and holding the most basic bitch ETFs. I know because Ive seen multiple people do it. Go buy $400K of VT and never trade again
Not reading all that. Quit while you can and buy VT when you have leftover money in your budget. The end.
I know people on this subreddit hate hearing from Bogleheads, but this kind of shit is why I VT and chill.
No. The average taxation of VT foreign dividends is about 5% and the dividend yield is about 2%. So at most the tax impact is about 0.1%.
Go with VT that's all you need. Unless you also want bond exposure.
Tesla's valuation is nuts, but it's 1.82% of VTI (US total market), 1.12% of VT. It's small enough it could go to zero and that would be like a month of your returns, it just isn't something you have to specifically worry about. I would not pick Tesla to own, but it is a bit over 1% of my portfolio just because it is that big... doesn't concern me. And again- everyone thought Tesla was overvalued 10 years ago. Even Elon Musk. If you excluded it then, you would have missed out. >**Even Elon Musk Thinks Tesla’s Stock Is Insanely Overvalued** >“I do believe this market cap is higher than we have any right to deserve.” >For a small army of skeptics and short-sellers, Tesla’s gravity-defying stock price has remained a source of envy and exasperation. Last month, Elon Musk’s 13-year-old electric car company vaulted past General Motors and Ford in value, as Tesla reached a $50 billion market cap and kept on climbing. (*Vanity Fair*, May 19, 2017) That was 2017, a market cap of $50bn was overvalued. It's now 25x that, at $1.29tn. A lot of people have lost a lot of money shorting Tesla. Short sellers have lost over $75 billion collectively since Tesla's IPO in 2010. So I just hold the market and don't worry about trying to exclude things.
I tend to lean toward VT these days. Yeah, at this point, everything is tech to some extent and you miss out on a lot of growth if you exclude it. The only tech I like to avoid is stuff that is way overvalued like Tesla. Diversification is probably better. I like VT because it includes tech but is not as tech heavy as the S & P 500. I also like the international exposure.
There is SPXT (ProShares S&P 500 Ex-Technology ETF) but I don't think this is a good idea. Besides anything else, these are the top 5 holdings: 5.15% AMZN AMAZON.COM INC 4.62% GOOGL ALPHABET INC-CL A 3.69% GOOG ALPHABET INC-CL C 3.60% META META PLATFORMS INC-CLASS A 2.92% TSLA TESLA INC Technically, none of these are "information technology", Amazon (retail) and Tesla (cars) are "Consumer Discretionary" while Alphabet and Meta (media and advertising) are "Communication Services". There is also XMAG (Defiance Large Cap Ex-Magnificent Seven ETF) which specifically excludes the "Mag 7", that would kick all of the above (plus Apple, Microsoft and NVidia). Even that, Broadcom and Micron are in the top 10 holdings. I don't fundamentally think it's a good idea to try these sort of anti-sector bets though, people have been concerned about this for 10 years and if you managed to exclude tech you would have really ruined your returns. If you are concerned about it, better to switch to something like VT which would almost halve your exposure and diversify you out to loads of other sectors (financials, industrials, healthcare/pharmaceuticals, consumer goods, etc) that are larger, relatively, outside the US.
Yea i wouldn't leave it in Tesla. Put it 2 or 3 etfs like VT (etf of a bunch of world stocks) or SPY (basically the S&P 500 (usa version of VT). This is assuming youre in the states. If you're not. The general principle is the same. Whatever your region's versions of these are do that. Its a set it and forget it strategy that beats out individual stock buying on average pretty much every year.
Stop trying to figure it out and buy VT. Voo and Spy have too much concentration risk, more diversification might be beneficial in the future. If that’s not satisfactory then put it in a target dated fund that will diversify it for you over the decades.
If you're capable of buying fractional shares, and many brokers allow this these days, share price of an ETF doesn't really matter unless you intend to trade options. Thats the neat part about buying a broad market index - if you throw $500 at VOO or SPY or IVV, which all track the same index, you're essentially buying the same portion of every underlying company. IMO go with VT while you learn - it's essentially buying the whole world in one fund. Hard to go wrong there.
Dont overthink things, just decide what you want to invest in and go for it. I prefer VT as a core holding.
After putting my life savings in VT, I've realized that I don't really care about this shit anymore. The only thing I'm still here is because I'm open to opportunities.
If you know nothing, s&p or VT is your friend.
Do yourself a favor and buy 100% VT for your entire stock portfolio. The 4% assumes your portfolio is about half stocks and half bonds. Though being all stocks while you're still accumulating is good.
There is FIRE. Retire early. But yes, its fine to do your due diligence and make “bets”. Plenty of stocks out there. Invest in etfs and have some small allocations to moonshot stocks. Not random biotechs, but companies with a future. If you want, theres also 2-3x leveraged etfs. 1.5-2x is ideal but this can help a lot. Instead of say, 100% in VT/VOO - you could do 50% on a 2x leveraged etf of it and 50% can be allocated to somewhere else(SCHD, moonshots, bonds etc). A lot of options. But like I said, research FIRE. Increase your savings rate and you dont have to wait 30-40 years.
I invest in AVDV and the performance has been good. It also provides a hedge when tech takes a dive. Some of the top holdings are in gold and gold mining. I invest roughly 21% into it. I wouldnt say its necessarily chasing returns but it provides more diversification to my core holding, VT.
Sell the Tesla stock and any other individual stocks, hold back the amount of cash necessary to pay capital gains taxes, and put the rest in VT.
Put it into VT and don’t think about it for 40 years
You're excluding VT's dividends. Vt is up around 23.5-24% this year. You are also neglecting to consider the compounding effects of the 0.13% fee. OP is 21. If we assume they're keeping this money until retirement and that they retire at the standard US age of 65, this has 44 years of growth and fees. If we test that effect using historical data, 120k invested 44 years ago in two theoretical funds, one with a 0.06% ER and the other with a 0.19% ER, both following the same rules as VT, you would have [$574,495.84](https://testfol.io/?s=0l1ssSfcApi) more with the 0.06% expense ratio.
Uh, yeah. Going that heavy in on one company is a “do at your own risk.” The first thing you need to do is figure out the tax implications of selling. If you inherited a Roth IRA, you should be good to buy-and-sell within the portfolio as much as you want. You’ll get taxed when you take distributions. Also, if your grandmother would’ve been old enough that she would have been required to take minimum distributions every year, you’ll need to be aware of that. If it’s a regular investment account, I think the amount you inherit is treated as your starting cost basis, but PLEASE CHECK with an expert or your brokerage ASAP. The second thing (assuming you don’t like 50% in any one company) is to trim that position down to 5% or less. The third thing is to rebalance. I personally like the all-world ETF (VT) that others are recommending you make as your majority holding. You can leave yourself about 15% of the portfolio as your “play” money for individual companies (including your Tesla position should you decide to keep it). That, ultimately, is up to you. I would actually recommend putting around 5% in BND (bond ETF for monthly coupons) even though you’re young. Beyond that, you’ll have to do some more work. Just make sure you hang onto that caution that you expressed about being too aggressive (even in sector-specific ETFs.) Good luck!
Sell everything and go 100% VT and keep putting 20% of your gross income into it every month and retire early and wealthy
It's $72 vs $228. Either one is going to be fine. Will the fees of either one add up to anything life changing, no. VWRA was up 21.44% last year VT was up 21.36%. It's basically the same, but VWRA was up 0.08% more than VT..... And it's almost a rounding error at that point The 120K became 145,632 (-72) so 145,560 or it would be 145,728 (-228) so 145,500. Either way dude is up 25.5K.
Sorry for your loss. She must’ve been pretty damn cool if she put money in Tesla. It’s challenging for anyone to know what to do with 1. A lump sum of cash and 2. An overweight portfolio in one company. I think the best way is to think about what you would do normally with 120k while also being wary of taxes. I absolutely hate paying unnecessary taxes even if it means rebalancing into something safer. If 60k is in Tesla, what is the other 60k in? Is anything at a loss you could sell to tax harvest (and balance out with selling Tesla for gains)? My initial suggestion is to: 1. Continue investing yourself into a broad ETF like VT, VTI / VXUS, VOO etc. To honor her put some money aside each month and automate invest it into a broad ETF and never sell. You’ll look back in 5 years and see it as the best decision. 2. Sell a portion of Tesla but this depends on cost basis. If she got in super early and you’re paying gains in the thousands, I’m not really sure I’d do that yet. 3. For the other 60k hopefully it’s diversified, then you’re not in the worst shape or overallocation. I def think keeping like $10k in Tesla is a nice gesture especially if it really runs even more, that would be dope.
All into VT and leave it. Slow and steady wins the race
40/60. and that 40 is VT by the way.
I went mostly in VTWAX (equivalent of VT) 2 years ago and I've never felt more vindicated.
And looking for a new place to park your money misses the point of passive index fund investing. VT will work if you’re concerned with diversifying outside the US. The point is to pick a plan that works and stick with it.
Sell it all, spend all of it buying VT, then look at it again when you want to retire
Really glad me investing in VT will start to pay off all these years
Both VWRA and VWRD have relatively high expense ratios of 0.19%. If you can, you’re better off buying VT with its 0.06% expense ratio and turning on DRIP. At 120k, that would save you about 150 dollars in fees each year.
Sell everything and buy VT. VT is the most diversified fund in the world and it will just continue going up.
Yeah sell the Tesla down to like 5% of port for sure. Rest hard to know. You can work hard and try to beat the market or just buy an all world index (VT) and chill. You’re young compounding without mistakes is your super power.
Sell off whatever it’s invested in, buy the VT etf, and turn dividend reinvestment on. Then add monthly contributions and make sure to actually invest these contributions and not just leave them sitting as cash. [What is VT](https://www.morningstar.com/etfs/arcx/vt/quote)
Look into either VT, or VTI plus VXUS in your taxable brokerage. Get rid of those individual stocks. Let it compound.
Dividends are not free money. It’s essentially a forced sale of stock. You’re typically still better off with the higher growth of a well-diversified ETF like VT, VOO, or VTI.
You should buy a mix of VT, VIOV and BNDW, invest in that for 20 years and never trade again
I don't suggest VTI and VT because that's a lot of overlap, as someone already said VT itself is weighted pretty heavily towards US companies but with diversification. It just depends on what you'd prefer, everyone has their own preference. I've been investing in VT for about two years now, its given me peace of mind with all the tariffs and uncertainty going around lately (and before that, as I was skeptical of massive AI valuations), as no matter if the US underperforms, if the rest of the world keeps improving alongside us then my investments will be fine.
Decided a while ago to just 50/50 US/EXUS bc it's easier to balance than 60/40, or 62/38 or w/e VT is at. Feeling pretty good about it at the moment. We'll see how it goes. I was additionally already tilted towards small value, split my large blend funds in half with large value to try and diversify from the huge concentration in large growth.
Indeed. But that's okay. I'm mostly invested in VT and have a few sleeves outside of big tech.
Since you are just getting started, I would suggest, for the sake of simplicity, to get VT which has both US and international exposures. Alternatively, you could do VXUS (international) + VTI (US), you would then need to figure out how much you want invested in VTI vs VXUS. This set up offers you more flexibility as you pick your own allocation. VT takes care of the allocation between US and international for you. Good luck!
Thanks for the words. I appreciate it :) Sounds like VT at least opens it up to global and VXUS excludes USA (which may be also an option since I already have mutual funds and a tiny bit in S+P.
Thanks for the feedback. ya I put a lot of money in the mutual funds because they felt "safe" and I can't handle too much up and down with my money hahaha... (I had a roth IRA in mutual 2040 fund and over the years did good but yes I am sure it is less return and will be even less returns with time due to the slide toward more bond). I am now thinking to put some more money instead of adding more to 2040 mutual fund, but in like a VTI or VT. I am comparing both. I know VTI is USA and had more returns in the past 10-15 years and VT is international and has been better in the last year. So maybe 70% VTI and 30% VT....
\+6.43% YTD. Not great, not terrible. Last year was about +26%, so pretty good. I typically outperform SPY/VT/XEQT and my sharpe and beta are reasonable but I don't get the eye popping returns some people post around here.
And potential compounded gains if it was originally just put in VOO or VT
Americans actually had the lowest inflation, the most energy security, the least food insecurity, the most insulation from global chaos, the cheapest natgas AND gas prices, the best performing stock market (NVDA by itself was worth more than the marketcap of most of Europe or China/HongKong/Macau COMBINED), the strongest GDP growth, the strongest labor market, and the strongest currency by which they could use to offset inflation via travel/import. But folks here acted like we were the little starving fucking Gazan kids or freezing Ukrainian kids getting their limbs blown off by missile/drone strikes. The "vibe-cession" and "Gaza is SPEAKING!"^(notice how all those mofos disappeared day 1 after Trump took office even though shit got worse for Palestine?) Anyways: Fuck around, find out. Do dumb shit, get dumb prizes. Vote clown, get circus. Since we're WSB and not r/politics : I'll won't short the USA. Much easier to just short the dollar since GDP/inflation/devaluation/deficits are not likely to decline due to the huge national debt. Light/secured borrowing, go long assets, and diversify. SSO, UWM, VT, LVMUY, AXP, SCCO, SHEL, gold, RE if you can afford it, healthcare, financials, treasury notes or short-mid bonds (no long bonds), and the like.
Flip to VT and cut the concentration risk almost in half. https://stockanalysis.com/etf/compare/voo-vs-vt-vs-vxus/
Tons of posts I lurk on always tout VT (or some other fund) and Chill - which provides Dividends.
This is basically VT with some extra small-caps steps.
I would VT and chill forever. I will put all my brain power towards increasing my paycheck or building something new myself.
I wish. I'm actually scared that AI isn't hitting a wall, and that it's going to be even more transformative than the internet and will put us all out of a job. I don't buy individual AI stocks though. Just VT mainly.
You're an addict. VT and chill.
I'm a software engineer and used to be a skeptic, but over the past several months the tech has gotten terrifyingly good, to the point I and a lot of coworkers are seriously considering what we'll do if white collar jobs go extinct. I had the same thought as you. Normally I'm a strict bogelhead, VT and chill. But I've started to buy AI adjacent stocks as a hedge against career loss. Like you, I figure if this really does replace white collar work then these companies are going to be astronomically profitable and a hedge fund of AI stocks would hopefully grow enough to enable early retirement. And if this does turn out to be a bubble then any money I lose will have just been the insurance premium.
Oh sorry, I forgot I was supposed to lose cash and beg Reddit for a method on how to get it back. Guess I’m an imbecile. I do trade myself for what it’s worth, as I’m only 33% in ETFs as a hedge, and I’m up over 25% in the last 12 months. That’s not crazy gains, because VT did almost just as good. You managed to lose money while others gained money, straight up.
If you’re 19 and already learned the “lose it all” lesson, you’re way ahead of most of this sub lol. Keep DCA’ing into that global ETF, maybe add a broad index like VOO or VT and treat it like a 5 to 10 year play, not a lotto ticket. If you want to scratch the degen itch, carve out like 5 to 10 percent of your portfolio as “casino money” and keep the rest boring. Surviving is the real W, not timing some miracle comeback.
I know this is r/stocks and people here roll the dice but if you have little to no savings... You should really invest in something a lot safer at that age, nothing riskier than like VT or other globally diversified stocks. If you have a solid pension and 7k is play money then throw it at the wall on a MSFT.
What if…you don’t put all your eggs in one basket? Or country in this case? VT would be the answer to your concern.
VXUS/VT is at the top of the ratio channel. If we stay above, it will be long-term bullish for XUS, but the strength of a continued run is unlikely. I hope that we stay at par with VXUS.
VT.US has seen significant losses through the depreciation of the US dollar.
"massive" is like -10% measured by DXY after it had an uninterrupted up and to the right rise from 2008 to 2024, part of why stuff like VXUS/VT look sad compared to VTI since they were priced in a dollar that kept strengthening.
most of it is inflation if you invest into VT in dollars, because VT is still 60-70% USA
Every other answer in this sub is "VT and Chill". How is sentiment here so miserable after a VT +21% year? 21% is like *3 years* of normal total market gains. And it's not like 2021 where 9% of that was eaten by inflation. Even VTI "only" did 2 years in one. VT is just finally firing on all cylinders for the first time. Does anyone actually do VT and Chill or is this like a meme people say but don't follow?
Some basic broad ETFS (lots of holdings in lots of stuff, they're pretty diversified). VT: stands for Vanguard Total Market (Vanguard is the financial company that put together the ETF - they are well known for having very very low fund maintenance fees, which is a good thing). VT has both USA and International stocks - you're investing in companies all over the world. It's diversified in both sector (tech, industrial, financial, etc.) and geography. It has more USA stocks than you might expect, because the USA has such large financial markets. VT is what people get if they just want to be diversified as possible. VOO (Vanguard S&P 500 ETF) focuses on replicating the S&P 500 index: large-sized United States companies. It's like VT above, but only USA-based stocks (though of course many if not most of the companies invested in will be multi-nationals). It's what you want to buy if you want to be diversified, but also think that the USA is special and will out-perform the rest of the world. VOOG & VOOV are variations of VOO prioritizing companies with certain characteristics. If you look at their long-term performance, they do similarly but a little bit worse than VOO over the last 5 years. They could do a little better in the next 5 years, I dunno. VXUS (Vanguard Excluding United States) - it's like the VT & VOO in that it is a sector-diverse ETF. It's what you buy if you want diverse holdings but think the United States is going to perform worse than the rest of the world for the next few years (or however long you hold VXUS). Say, for example, you think Trump will be really bad for the USA stock market - you get this until you think things are going to get a lot better for the USA. You think this is a bad investment if you believe Trump is revitalizing America. General background advice: You should have an IRA account (Roth IRA, standard IRA, whatever - similar things). This is a tax-advantaged account with a limited amount you can contribute per year. Get one, usually a Roth IRA, and max out contributions each year. If you don't have one, you should be able to put in $14,500 right now (last year's maximum & this year's maximum contribution). You will get taxed on this investment account if you pull out the money before retirement (the same as a regular account), but if you keep it to retirement you can basically dodge taxes on your successful investments. A brokerage account will be similar, but allow you to invest as much as you want rather than a maximum amount per year. For the brokerage account especially (but also for the IRA if you pull out money early) you should be aware that there is a tax advantage to holding long-term investments. Investments that you buy and then sell in less than 12 months are taxed as regular income (like your salary). Investments that you buy and hold for more than 12 months are taxed as capital gains - a lower tax rate. So finding some good broad-based ETFs, sticking money in them & just letting that money sit there is a GREAT strategy for someone who doesn't have specialized investment knowledge. Fancier stuff, or picking specific stocks, is for when you have specialized investment or sector knowledge that you think gives you an advantage over just holding a broad index fund. Taxes are paid on gains only. If you invest 10k & it goes up to 12k & you then sell (only after you sell do the gains or losses become tax-relevant), then you owe taxes only on the 2k that you earned above your original investment. Losing money in an investment sucks, but does reduce taxes owed. Last, equities (meaning stocks) are highly resistant to inflation. If the value of the dollar goes down, that's okay. The falling value of the dollar means the value of those stocks will go up. This is another reason investments are so much better than simple savings accounts. (Real estate - your houses - work similarly.)
VT might be good. You never know if the world market is going to do better than the US. Either could come out on top any year. If crypto follows the same cycle then it should go down this year then up after a few years. I don't think it will increase as much as it did in the future. I researched quantum computing a while ago and (1) crypto would most likely add in features to make it so it can't be hacked and (2) if crypto could be hacked then bank accounts would all be hacked first. I don't know if this is true or not because I don't have a quantum computer :) -- this is just what I researched. Yeah, 68% real estate is super heavy. I wish I bought stocks when I was young instead of real estate but don't want to sell it now because of capital gains tax and it diversifies against mutual funds/stock/crypto. Just a pain managing tenants. I think a good aggressive mix is maybe 15% real estate, 50% mutual funds, 20% individual stocks, and 15% crypto.
VTI: -0.57% VXUS: -0.59% VT: -0.61% See how market manipulators can't even do math right.
28. 61% US equities, 34% ex-US equities, 5% bonds. Balance is through a combo of TDF in 401k, VT in Roth IRA, and VOO + VXUS in brokerage.
Looking to invest recently inherited $380k. I want to protect money, have potential for growth with market, but want to hedge against AI bubble and valuation risks. Please rate my portfolio $110k Berkshire Hathaway $80k SCHD $50k VT $100k SGOV $40k XOM
Dxy going back up big would challenge the whole pro gold debasement trade narrative. However high inflation from commodity price spikes would add to inflation. Really hard to navigate. Should i stick to VT with an extra commodity allocation? Are bonds in any way attractive or still just dead money?
Your entire post history is all about "VT and chill", up to 15 minutes ago. You keep advising people to VT and chill. Then you come here asking "should I keep VT and chill??"
I am. I am also in a low-to-moderate cost of living area, low debt, have a pension, will have a decent SS income and still working. My plan is to be 100% VT by retirement and stay with it until death. Keep it simple.
At 36 aiming for early 40s FIRE, the biggest lever still feels like savings rate and staying invested, not squeezing out a tiny factor premium. A 5 to 10 percent tilt probably won’t radically change your outcome, but it can absolutely change your behavior if it pulls you back into tinkering mode. That part matters more than people admit. If VT keeps you calm and consistent, that’s a real edge. Personally, I’d only add a tilt if I was confident I could ignore it for years at a time and rebalance on autopilot. If you already know simplicity keeps you disciplined, that’s a pretty strong signal.
> Agreed 100% but bogleheads will argue for VT no matter how much it lags VOO. IIRC Bogle advocated for all S&P, not a global mix.
Agreed 100% but bogleheads will argue for VT no matter how much it lags VOO. They simply don’t get the idea that America’s productivity in technology is unmatchable. Their argument is that that’s “priced in,” which makes zero sense because big tech keeps outperforming year after year, even though that outperformance was supposedly priced in years ago.
Yeah VT is safer as an etf but bitcoin has that juicy allure of doing a 10x over 10 years which no index fund could ever dream of.
32. 55% US (VT), 30% International (VXUS, VYMI, and VWO), 5% stock pick ems (RTX, RKLB, LMT being primary atm), and 10% short-term bonds (3 months rotating, and ready to deploy if a good opportunity presents itself). Bond holding is high, I know, but I am using it also as a second emergency fund so some liquidity helps.
Should I buy VOO and VT now for my Roth IRA or wait? They both at top price on the chart today.