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
I read the loss posts here to keep myself steady on a VT and chill strategy. Not joking.
VT itself is not, but my local currency is not USD, so my port value stays the same because the FX rate always cancels the VT price change. It's sweet sweet equilibrium.
I full port VT and it's never moved. VT up FX rate down. VT down FX rate up. Is this a new stablecoin?
Revenue triples? Flat. Revenue misses? +20% Everything comes in as expected? -10%. Mercy. You win market. You win. I will DCA into VT, and only VT, like a good boy from now until my unflattering death and average life comes to a close after I just barely outpace being poor while getting close enough to at least peak into the room of riches at the very end but not enter myself.
actually he is correct - VOO+VXUS has lower management fees than just VT and chill if you split it out. but that requires more thinking.
ECNS I looked at RRG charts of different comparative sizes and regions and this Chinese small cap is the only one I found soaring up and over the others with VT as the hub. In other words, its going to outperform VT (world stock) and have superior momentum. The price is reasonable and pays 4% dividend. The risk is that we are now fighting wars through proxies and through the financial system. I lost my ass in GAZPROM when Russia dissolved ADRs. Now GAZPROM bank holds the shares and only Russian citizens can access them. I am even having trouble writing it off because it technically has value. I thought briefly about trying to make a smart contract to fix this but am not sure if I would like prison food. China could do the same so this explains the “reasonable “ price.
VT will get ripped here too, just a matter of time
Great question - FOMO is the #1 portfolio killer for new investors, so you're already ahead of the game by recognizing it. The trick that works for me: whenever I feel that FOMO itch, I force myself to write down exactly why I want to buy \*right now\* vs. waiting 24-48 hours to research properly. 99% of the time, it's pure emotion with zero fundamental backing. For stocks that are running hard like BYND, ask yourself: would you buy this at yesterday's price if it hadn't moved? If not, you're chasing momentum, not investing. The same due diligence rules apply whether a stock is up 100% or down 20% - check the actual financials, revenue growth, and market position before putting money in. Your 75% VT foundation is solid. When FOMO hits, remind yourself that missing one runner won't hurt you, but bag-holding another pump-and-dump absolutely will.
good thing he can just buy VT and chill then.
😆 🤣 😂 you're in the weedstocks subreddit asking about "good" stocks? Put your money in a well diversified ETF like VT and forget about this stuff. If you insist on getting a weedstock Green Thumb is probably the safest of the bunch but it is by no means a "safe" investment.
In VT the amount of holdings is over 9000
VT and chill as opposed to VOO, VTI, or VGT and chill is, if nothing else, wild.
buy VT only and chill. investment is not for you.
I wish you well, but if you went 100% cash, I'd gently advise you to reconsider- study after study has shown that trying to time the market results in lower returns. You have to be right twice- on exit and re-entry. There's always a reason to not invest- in the early 2010s Vanguard and others were saying to expect slow US growth, and foreign would outperform, and then we had 15 years of 14% returns. Even during the Great Depression, as long as you were re-investing dividends, you would have done better investing in a diversified portfolio of international stocks, bonds and gold than just cash. If you're nervous, and don't know where to invest, then go like 50% VT and 45% bond/cash mix, add like 5% gld for currency/inflation fluctuations. That is almost guaranteed to perform better than cash over a 10 year period, and if it doesn't, the world will be so f@cked that you'll be more worried about keeping and finding a job than the cash you have in your accounts.
Have you opened this sub before? The answers are VOO (or better VT) and chill or some bot pushing leveraged covered call NVDA ETFs. Think hard about your choice
Are people selling out of individual stocks and going into ETFs? Market is down premarket but my VT and AVUV is on the way up.
You can just do VT as a conservative bet, which is basically 60/40 VTI/VXUS. I like 70/30 VTI/VXUS personally, but all-in VT is fine too. You are very diversified with this. If you want to be even more conservative toss in 10% BND or VBIL or SGOV.
Imagine spending 8 hours a week to underperform the market over the long run. Just buy VT and chill
"Markets going down" and "losing money" aren't always the same. Someone who keeps buying index funds without selling, the paper value may go down, but generally they're in it for the long haul. That's just regarding your title. Now, to some of your points First off, the difference between a mutual fund and an ETF isn't whether it's active or passive. There are index-tracking mutual funds and there are actively managed ETFs, that range from rules-based funds (e.g. Avantis funds) all the way to very active single-stock leveraged ETFs. The difference between mutual funds and ETFs is more about how to invest in them, taxation, etc., not about whether they're active or passive. Passive beating active over the long haul isn't just stuck in 1973 literature. You can also see statistics from much more recently, e.g. [Active versus Passive Investing: An Empirical Study on The US and European Mutual Funds and ETFs | Contemporary Issues in Bank Financial Management | Books Gateway | Emerald Publishing](https://www.emerald.com/books/edited-volume/15687/chapter-abstract/86983408/Active-versus-Passive-Investing-An-Empirical-Study?redirectedFrom=PDF) Correct, an index fund cannot "prepare" for a market crash. (I will add that theoretically, the large cap companies an index tracks actively manage their very own strategies which has an impact on stock price and could try to "prepare" for a crash, but don't...) On the flip said, Peter Lynch himself (no passive investor) said: "More money has been lost preparing for a crash than has been lost in an actual crash." So maybe trying to prep isn't such a great strategy to begin with. You also mention hedge funds. But these aren't the same as active funds. The purpose of a hedge fund is rarely to "beat the market" or a given index. The potential investors are different. Someone looking to start investing and buy VT or VTI or VOO (or any other broad market index fund) often starts out with a small amount of money. Many hedge funds require a minimum investment of $100K (or even $200K) and liquid net worth of at least $1M. The type of person is different and therefore the purpose is different. They're both "investments" but you're not comparing apples to apples. Active strategies also have negative real (and nominal) returns, but you seem to keep assuming that one can time the market. For the long haul, it generally goes up. But if companies with billions of dollars in research and trillions in assets have not yet successfully figured out how to time the market, who exactly do you propose to actively manage a portfolio that can successfully time the market?
>I have been working on a strategy that on around 40-50% of available trading days, can predict by 10:30 if the market will close above or below its open So not being too critical but I can get >50% accuracy with the following model when tested on Spy, QQQ, IWB, and VT and all of them get higher accuracy when restricting to more recent date ranges. ``` def willMarketCloseAboveOpen(stockData: pd.DataFrame) -> int: return 1 ``` This isn't to discredit your model just that the ability to predict close being above open around 50% of the time is insufficient to make a trading algorithm or to really use for trading signals.
If we keep an allocation in bonds that doesn’t drop as much, it’s a rebalancing opportunity to pick up more VT / VTI / VXUS on sale before the market recovers. Just don’t sell equity positions when they’re significantly down.
If there was an alternative, I'd take it. The whole system is unduly complicated...What I'm telling kids from now on is just pick whatever bullshit job that exists that provides goods and services to the world. Save 50% of your income. Exchange it for shares of VT. VT is global equities, but just treat it like long term savings. The end. F bitches and reproduce hardcore until it's other people's problems.
Lots. Boglehead thread is all about it. I personally index fund 70% and play stocks with the other 30%. But pure bogleheads are 100% VT and chill usually.
😄 fair, hard to beat VT and chill. Out of curiosity though — do you ever look into things like allocation, risk, or scenarios at all, or is it more of a buy & forget approach?
I'd say this is a very good answer. Will just add that gold isn't some magic inverse trade against other assets like VOO, VT, TLT, or cash. If you wanted to go inverse on those then it's SH etf, puts on VT, shorts on TLT, or using margin/debt on cash. When you long gold you're basically choosing *a low-vol alt asset* that has **long-term** inflation hedge properties. It helps you preserve wealth and if you are holding physical then it a hedge against national failure in addition to being a hedge against fiat/dollar devaluation (again over the long run). Will just add that gold is still a non-productive asset that works on supply & demand which is partially based on speculation. Gold already had a massive run up due to markets (and central bank) demand which priced in very high risk. *Gold was already in consolidation before the war broke out AND the dollar spiked so very likely the* ***markets had priced in a worse situation for war too*** *so when it didn't then gold price would naturally see a downward move relative to a rising dollar.*
Why not VT and chill, unless you’re retiring tomorrow
I don’t need AI to analyze “VT and hold.”
Absolutely not. I’m always betting on the success of the USA. If you’re worried, just move everything to VT for more market diversity.
So stay in VOO and away from VT and VTI and wait for S&P to add them to the 500.
Just keep doing what you’re doing. If VT has 0.3% in spacex, you won’t be “holding” any bag. Rule number 1 is not doing what you just did. Chill!
I went the other way. Was 80/20, went 100% VT with some SOXX.
Why is the top gospel in this sub SP500 rather than a globally diversified index? ie VT instead of VOO gives more diversification. I know that SP500 has overperformed for a long run now, but for example VXUS did better in 2025. You are also missing small and mid caps within the US using only SP500
This is about as misinformed as you can get. If dividends reinvested from March 2019 to March 2026 the difference is not doubled as you suggest. It’s about 27% more for vti. [VT vs vti 2019 to 2026](https://imgur.com/a/uC2msP1)
This might be the simplest way I've ever heard why time in the market beats timing the market. My strategy is trying to do both and I'm curious what you think. I have a regular monthly DCA that builds my portfolio across 4 etfs /domestic, international, bonds and gold. I keep my emergency savings in sgov and HYSA with my checking account a max of 2 months of expenses, minimum is 1.5 months of expenses. When I see things dip to a low, I'll first sell my losers or take the time to reallocate my portfolio and buy what is at a low. If I want to buy more, I'll pull from my emergency savings and replenish with my checking accounts savings. A good example is last year is this time last year, voo, VTI, VT, and a few others were at lows so I sold smaller funds or stocks and moved into these.
Don’t take advice from the yahoo that is the Reddit hive mind. Just invest in VT and call it a day.
VT includes everything so yeah SpaceX would end up in there too. But VT holds 9000+ stocks so the concentration is way lower than in the NASDAQ-100 which only has 100 names.
VT being VTI, or a different fund?
assumption 1 - the global market doesn't grow equally or linearly, growth is affected by sector trends, speculation, new technology, external factors (war, elections) to beat the average, you need to have a better prediction of future outcomes than the average market participant. that's hard, which is why many people just buy VT and accept the average
Depends on the account. Taxable is VTI so total US. HSA is VT. 401K is S&P500, Mid and Small cap fund, and Intl fund
VT is total market. It's "lower risk" but has historically has underperformed the S&P500 over the long term. Will that trend continue into the future? Nobody really knows.
I’m waiting for April 6 to buy. There’s a bunch of earnings reports, and the federal reserve meeting coming up. Also watching the VIX to hit the 30s and 40s before I start loading up more VT.
It's a rebalancing act. The whole point is SPY and VT being a better place to be than QQQ during the chaos. While SPY will be hit by the declines of Mag 7, holders of SPY will not be locking in losses by selling leading companies to go on a garbage buying spree. SpaceX will only temporarily suck all the oxygen out of the room, the recovery in Mag7 positions should take place in short order.
AND that index holder will have passively sold their profitable, growing Mag 7 holdings to raise capital for that new 6% stake. Yeah, I'm convinced enough to reduce QQQ in favor of more VT and SPY.
I'm loading up on VT myself. Nice sale happening on that.
This is what I do. It's like 5% of my portfolio just as a boost. And only ones which don't erode NAV. Primarily in VOO, BRK, and VT, along with SCHD.
All on VT. First second. use dividends to buy those stupid things.
VT and chill. Walk into the Lego store: one of everything please.
I think a 3 fund portfolio is better. If you got a lot of time and don't need bonds, VT is great because you get foreign and US all in one fund.
So I buy VT and GLD? =) But will i not loose money if i purchase this on IBKR with EUR currency?
From an investment perspective, consolidating your accounts right now is actually a very rational move. Having too many accounts and an overly fragmented portfolio makes it easy to fall into the trap of redundant investments—for instance, holdings like VTI, VXUS, and VT actually share a significant number of overlapping constituents. By simplifying your portfolio structure, you will gain a clearer view of your overall asset allocation and find it easier to manage risk. However, one point is worth noting: while simplification is beneficial, it is advisable to carefully limit the proportion of highly volatile assets—such as leveraged positions (like those in the HFEA strategy) or cryptocurrencies—within your portfolio; otherwise, the overall stability of your holdings could be compromised.
Your five-year growth plan suffers from several cognitive biases that warrant closer scrutiny: 1. \*\*The Five-Year Plan's Time Horizon Gap:\*\* If you were to encounter a stock market crash at age 61 (a statistically estimated 23% probability), your combined pension and 401(k) funds would be insufficient to cover sudden, unforeseen gaps in living expenses—such as the need for major, emergency home repairs. 2. \*\*Inverted Account Strategies:\*\* Your aggressive portfolio is heavily weighted toward the industrial sector and growth stocks (SCHG), while your wife’s conservative portfolio holds VT (which contains a significant allocation of technology stocks)—meaning that in the event of a major market downturn, both portfolios would plummet in tandem. 3. \*\*The Industrial Stock Illusion:\*\* You appear to believe that industrial stocks are rallying on the strength of AI infrastructure development; however, financial reports indicate that the industrial stocks experiencing the most rapid growth (such as EMR and ROK) derive less than 15% of their revenue from AI-related sources.
Chill, it will be ok. We may enter a brief bear market soon based on technical indicators and just the overall state of the world but it always recovers. VT and chill. Ik it’s anxiety inducing but just set the money and forget it.
As an index - VT (or VXUS if you want EM included). If you want a quality factor ETF - IPKW.
VT and CHILL, always and forever
I’ll be the first to say VT and chill And the first to say VOO and chill You aren’t going to get many other responses here besides that.
Now sell everything and buy VT and call it a day.
VT has been doing a lot better than SPY.
I’m mostly VT with some SCHD and SMH. Down 3-4% from recent highs.
I was all broad US market but moved to VT and chill sometime last year. I never thought the US government would deliberately attempt to weaken the dollar...
OP adjusting long term strategy to be more diversified arguably is arguably good advice: include international/small/large cap, such as VT, or blend in VXUS and other funds. And panicky advice to make drastic sudden changes without a reasoned strategy adjustment is definitely bad advice. SP500 has done phenomenally well for a long time now. However in 2025 I’m pretty sure VXUS outperformed. My understanding is that small caps historically out perform large caps, but the past decade has been the exception to the rule. Do you want to rely on recency bias to overweight US large caps and ignore other markets?
I messed up last April. This time. I'm going to be smart. I'm going to buy every single dip for the rest of the year as we sink into the abyss. I modified my own rule #2 so Instead of using up to 10% margin, I'm just going to force my two chosen assets at a certain dollar amount, hold the line, by deploying USFR. If IBIT and VT sink 50% each, then I will be max deployed. Right now, a huge chunk dunked into IBIT, but this is exciting!
A broud based index fund that tracks the us market, the international market, and if you are risk adverse or close to using the funds, a total bond fund. VT is an example that covers the full world and BND and BNDX are two of many bond funds.
I remember 2008. We had talk rumors of a banking crisis, Crude Oil was sky high and everyone was paying over $5 gallon for gasoline even in red neck country. We had $50 Silver too. My best performing stocks were these weird fertilizer stocks and Activizion. I can't remember if Activizion bought Blizzard or other way around. Anyway, there are a lot of similarities right now. Do I expect a similar outcome? Hell no. There is no way in hell the gov't or banking sector will mark to market all their banking loan losses this time around. We will get more stimy checks instead. But we're going lower. This time around I need to stay out of margin and sell all my fertilizer stocks before the crash. And if I'm wrong well at least I bought a World ex US Index & likely $SPY or $VT at a lower price than everyone else has so far this year. Good Luck everyone.
Hey guys VT was ATH early this month, what happened?
You can blame me. I just sold all but $20k of $TLT today. I will wait and buy $SGOV at the beginning of April if this bear doesn't get his $VT and $ACWX market crash low to buy : ) Who f\*ck cares about missing this month's $TLT divy payment. I want my cash and I want it now. I'm fine hiding out in cash & soybeans until then.
buy VT and chill then dude, idk what to tell you.
As crazy as this president and administration are, not having *any* US exposure is riskier than just investing in the US. You can't predict how the markets will be or how the US vs. Non-US weights will shift, so just buy the entire market. Either lump sum or DCA over the next 3 months in $VT or an equivalent all-world ETF or mutual fund.
I’m sure you are right that institutions have hedges. Also that market will go up eventually. I am just staying in VT/VTI through the dip and recovery because I don’t have any insider info (the moves people are talking about already happened).
He is less risky now I think... I just checked and his top 5 picks are all inside VT (world fund) which I feel is much safer than his 2000 picks. If he had just recommended buying the index then his picks would not have gone to zero and people would have done well (but also he would not have a TV show)
I wouldn't unless you want to make a huge change from owning just tech stocks and just move into S&P ETF's and buy $VT (World +US) or $VTUS (world -US) or $SPY.
I meant there's no need to do VT alongside VTI+VXUS, though maybe VT for the tax advantaged account for simplicity and VTI+VXUS for taxable account to use the foreign tax credit
Honestly it really doesnt matter, if you plan on investing for the long term, 15 plus years, the returns between 100% VOO and 100% VT will be very similar.
VXUS+VTI/VOO if you want the foreign tax credit, VT if you don't. Either approach is fine.
I didn’t mean a combination of all, just pick a combo or VT
I'd sooner say VT or VTI+VXUS rather than such a combination. But agreed that holding to an investment strategy that continues whether the market as a whole, or an individual position, goes up, down, or stagnates - is the best approach.
Just buy the market. Buy VT or an S&P500 index or a Total Market Index and an “ex US” index. Don’t overthink it. Like most things early in the product lifecycle, there’s lots of investment and hype. Some jobs will be lost in some sectors while other places will hire or entirely new companies will form. Just bet on the future of the world and either it will work out, or we’ll lol all be screwed.
Lots of great points, you have to understand from a retail perspective most of this is psychological. People don't want to do the work, most likely because they find finance boring. Once you take a deeper interest in trading it becomes very clear just how easy it is to outperform the S&P. I'm not saying there isn't some skillset involved and that it's mentally easy to be pivoting all the time, I'm saying that relative to what the Warren Buffets of this world will tell you, it's technically quite easy. The S&P is not some great difficult giant to overcome... otherwise QQQ wouldn't have beaten it the past 10 years, and that's JUST replacing one ETF with another smaller concentrated one that followed a long term technological trend shift. If it IS possible to beat the market ON PURPOSE, over time longer periods of time (short-term there is always a luck component). People don't want you to tell them that. For one I think guys like Buffett (who has beaten the benchmarks himself and knows plenty of people who have also done it using both the same and totally different methods than himself) are cognizant sometimes of their fame and don't want to accidentally inspire any gamblers. Active management is a form of trading, and trading is definitely active management. Anyone can open a brokerage today and lose all their money instantly, so it's dangerous to get into this game without some study and hard knocks. You basically HAVE to fail first in order to win long-term unless you just come into this with the right mindset from your prior life. Otherwise you won't fear the market enough to respect that you need one or more systems of risk management in place and actually execute them. ETF investors are basically trying to go with diversification as their primary form of risk management, this is fine - but it creates drag unless you pick the exact sectors that are outperforming the market and rotate in time to not give up that gap when things change. I think people underestimate what you can do if you commit all your time to this game TBH, especially now - doing research with AI is faster than ever (it's not a genie you still have to know how to use it and when to challenge it). I outperformed the market when I was a newbie investor several years ago for 2 years straight by about 4x over that period holding around 33 positions simply by trying out one of the popular stock picker services for like $75/year and making a few tweaks. Then I stopped to learn to trade, and now I for example have pivoted late last year into more of the commodity/scarcity super-cycle we're entering. VOO is down 0.81%, QQQM down 1%, VT down 1.4%... I'm up 10.20%, and before the war I was up 16%. That's a big drop-off recently but I've been purposely dealing some damage to my returns as well adding some new hedges for different tail-cases. I'm not the world's best trader by any means, my biggest positions aren't any bigger than about 5% of invested net worth and I typically won't put that into a single stock (targeted ETFs usually) unless there are multiple converging narratives (coinbase for example, short-term BTC trade over the next 1-2-3 years depending how this cycle plays out, but long term I want to also hold them for the agentic economy shift as a wallet provider). One of the things people are trying to avoid is volatility, what they don't usually think about is that over any given time-frame in order to outperform, an give asset or basket of assets MUST have increased vol. to outperform. This doesn't mean volatility = good, there are plenty of garbage stocks that IPO, fall off a cliff and die forever after a volatile period... but it does mean you have to learn to use volatility to your advantage if you want to outperform, people see that as scary. Personally I see throwing my life away at a normal job for any longer than I already had previously as a big risk, I think we take a big risk driving our cars every day... so I reframe risk, but traditional education didn't teach us that. It didn't teach us much of anything.
VWRA actually makes a lot of sense in your situation. As a non-US investor, US-domiciled ETFs like VTI/VOO/VT can be less tax efficient because of the 30% withholding tax on dividends (and potential US estate tax exposure). Ireland-domiciled UCITS ETFs are usually preferred since they reduce the internal withholding to \~15% and often come in accumulating versions. VWRA (Vanguard FTSE All-World UCITS ETF) is popular for exactly that reason. It gives you global diversification (developed + emerging markets) in a single fund and automatically reinvests dividends, which is helpful if your country taxes dividends heavily. For a simple structure, many non-US investors just do something like: \- 100% VWRA — simplest, fully diversified equity portfolio or \- \~80% VWRA + \~20% global bonds (e.g., a global aggregate bond UCITS ETF) if you want to reduce volatility Given you’re investing $10k upfront and \~$5k/month, consistency will matter much more than trying to optimize with lots of ETFs. A single global ETF is already extremely diversified. The only real consideration is timeline: if the money might be needed closer to 5 years, adding some bonds could help smooth volatility. If it’s closer to 10+ years, an all-equity global ETF like VWRA is very reasonable.
If you are not doing VT and chill you are doing it wrong. Also if you are selling before you retire you are doing it wrong
I only buy an individual stock if I think it will be life changing. Like a GOOG or AMZN, etc. Right now I only have one, the rest is in a Global All equity fund, as they say "VT and chill"
For example, to diversify in tech further buy QQQM(cheaper version of QQQ same package) and pair it with something like COWG now you have two tech funds that are non-correlated because COWG has a different method of tech fund selection. But when people buy QQQ, VT, VTI, VOO they say “great I’m diversified! Well congratulations if you invest $100,000 evenly between those 4 funds you now have $32,000 in the MAG 7 even though the total “funds” in the ETFs top over 10,000 individual companies 32% of the funds are in only 7 of the over 10,000 companies. True diversification is non-correlated asset classes and non-correlated sector funds. Will you end up fine with all your money in those 4 funds? Sure but it’s not as diverse as it could be 🤷🏻♂️
Yeah I never really looked at $ACWX, but it looks to track a different benchmark than $VXUS. Appears $ACWX filters out some of the weeds in small and micro-caps, $VXUS is more of a grab it all. You'll have some overlap in core international holdings in $VT and $ACWX, but that doesn't matter in my opinion so long as your target allocation is met. I have some overlapping holdings and have been rethinking how to simplify, so this was already top of my mind lol.
TYVM. $VT and $VXUS would be my 50/50 for my non trading account. I might just stay with $ACWX and start $VT for the other 50% then.
$VT, $VTI, and $VXUS all track different benchmarks $VT is Total Global Stock Market that holds 10,000 stocks, US to international split is like 60/40 at the moment $VTI is Total US Stock Market that holds 3511 stocks mirroring Large, Mid, Small, and Micro $VXUS is Total World Ex-US Stock Market that holds 8691 If you are looking for Total World Ex-US, $VXUS is probably the best as it has Developed + Emerging and casts a pretty wide net. If you are looking for a fund that has US + Developed + Emerging, that would be $VT. $VTI + $VXUS is slightly more diversified, but $VT is considered more simple.
I have a very small position in $ACWX but everyone keeps suggesting $VXUS for World ex-US ETF's. Is there really a difference before I start DCA into a World ex-US fund? The other would be the diff b/w $VT and $VTI? I'm looking for more of a split b/w World +US and a World ex-US allocation vs many 50/50 $SPY and $QQQ for my non-trading accounts.
VTSAX, VT, any similar low cost broad index fund. Everything is on sale, good for anyone still accumulating and anyone at or near retirement should be on a bond glideslope or be flexible enough to ride out any volatility.
VT is down 4.3% off the high, which is something that in/of itself shouldn't lead to re-assessing positions. "Curious if its smart to sell now and wait iut rhe volatility of the market." Sell slightly less high, buy after it's back higher again? In any case, 3-5% off the highs in index funds is "price of admission" level volatility in/of itself. 10% down used to be considered a healthy correction now people would treat it like it's armageddon. It's the kind of thing where maybe you buy a little at 5% off the high, buy a little more if it gets to 10% off the high.
What stage of life are you in? Do you have an education? Job you like? Emergency fund? Invest in those things first. They're important. Then, the good news is that successful investing strategy is simple if not easy. Open a vanguard brokerage account and buy [VT](https://investor.vanguard.com/investment-products/etfs/profile/vt) and then continue doing that every month no matter what it's going on in the market or news cycle. Day trading and individual stocks are for suckers who think they know how to game the system. They don't. At least not consistently. VT allows you to have a globally diversified portfolio with a tiny expense ratio. The value of VT won't go up every day but with a time horizon of 20+ years it should provide returns that most people will be envious of. Simple. But not always easy