VT

HoneyBadger552

Did you add VT just for giggles??

Livueta_Zakalwe

Jeez just sell everything and go 2/3 VT and 1/3 SCHD. Or if you want to live dangerously, 1/3 VT 1/3 SCHD and 1/3 QQQM. Keep adding every paycheck and you’ll be rich in 20 years.

brute-forced

Sell everything except for VT and put the proceeds in VT and by proceeds I mean your losses

Locke_____Lamora

Nah you're the regard for saying something so fucking stupid in a sub where people mostly trade individual stocks. Of course VT, spy, qqq etc arent going to be down as much as individual stocks. Most high beta growth names are down like 20% at minimum right now with some being down 50-70%

throwawayawayayayay

If $110k is your 12-months of expenses and you're young with no house or car, then you spend way too much money. But the general answer to your question is that you should think of your positions as a scale of high risk to zero risk, with individual stocks being highest risk, then sector funds, then total market funds, then bonds, then CDs/MMF/HYSA, then physical cash. You determine your allocation strategy in terms of either percentages or fixed amounts. Figure out your range of tolerance for each. Then you adjust as needed - too much physical cash? - deposit it. Single stock rocketed to the moon? - sell some of it and buy some VT. But the key thing is that when you're young, you don't really have exposure to most emergencies. You're not going to need to call an emergency plumber in the middle of the night or have to stay out of work for a week with a sick kid. If you have no life obligations and you keep encountering emergency expenses, that's just bad planning and you should correct your expectations. And always have some cash on hand, including small denominations. You don't want to be in the aftermath of an earthquake or flood or power plant failure and be trying to buy drinking water with a credit card.

FoxCoding

If he had been on VOO or VT, this drawdown wouldn't've happened. It's his choice now whether to learn the lesson now and build solid foundations or keeping risking it, which could lead to a slight recovery (6x his money back to the starting position isn't likely at all) or could lead to him learning the lesson while having zero dollars in his account. I personally keep 95% or my portfolio on VOO and use the rest for plays I believe will perform better than the market. But going all in isn't wise.

Mouse0022

Hold and wait. but consider putting anything else in something like an index fund like VTI, VT, or Voo.

wandererarkhamknight

Invest in a broad market index fund like VT or VTI. That should be the base of your investment portfolio, walls, and the roof.

CanYouPleaseChill

Why are retail investors so resistant to buying stocks outside of the technology sector? Mindboggling. At the very least, you should buy a diversified ETF like VT. Moreover, chasing AI bubble stocks after they’ve lost momentum is a lousy strategy. Parabolic charts don’t resolve sideways.

therealjerseytom

> Rate out of 10 2/10. You could have just bought VTI or VT and been done with it. > International is only about 5%. Too low? Depends on what your assessment is of the global market. Do you have a compelling reason to be different than the overall market weighting and so heavily in the US?

JohnnyGoldwink

2% drop for people in VT, VOO, VTV.

znightmaree

Your core can be simplified entirely to VT, VTI, or VOO. As for your aggressive satellite allocation, I’d stick to a maximum of 5 symbols and try to minimize any overlap. Your best bets here in my opinion are AVUV, SMH, QTUM, and NLR, but be careful about sector thematic ETFs. A strong argument could be made to just buy SMH there.

montaniPH89

I've been more VT heavy lately. SCHD is a good diversified fund that's not too tech heavy. Maybe Healthcare and retail stocks?

montaniPH89

They don't learn to VT and chill

CanYouPleaseChill

Sell everything and buy VT instead.

New-Combination-1583

You won the game. VT and chill - unironically. you can live like a king off the dividends and cap-gains. I have no idea who you are but I legit hope you take that path and never play the market again. Don't let VC fucks or algos take your money.

Singularity-42

Don't waste time trading, just auto DCA into VT and forget about it for a few decades.

FoxChess

This is me. I hear some news about individual stocks but otherwise I have little clue what the stock market is doing day to day because it makes zero difference to me, someone who isn't selling for another 20+ years. I just buy $VT. Sometimes I see "wow I'm up 10% this year!" And it's neat. Other times it's "dang I'm down 6% this month... this is a really good time to throw some more money in!"

HoneyBadger552

Sorry to hear it OP. I took a loss on RNMBY after buying at the top. Come join us peasants slowly throwing money at VT and spmo whole shares. The fire is warm

Past_Yogurtcloset_51

I picked up 100 shares of VT yesterday... so yeah the dip looked good enough to me. Hard to time the market and that's not really my priority in my non gambling accounts.

AntiquePhotograph433

Bruh, nightmare is over wake up. Next time you have money just $VT and chill that shit.

Apprehensive-Status9

VT

HoneyBadger552

Wack ass stuff. VT is up but spmo is down

The_Macro_Investor

VT

The-Writer-

This is the way. I keep half of my life savings in long-term equities (boring global + value + aggressive growth) in case I get an upside from it on the off-chance as time goes on, and the rest I keep in cash to live my life because anything can happen any day. Honestly US tech/megacap (VGT/VOO) and global broad market (VT) is a sure bet IF the world stays safe. But political volatility, war, solar flares (as mentioned), asteroids, climate change and other freak acts of nature, etc. can all happen any time. If the equities get wiped - nothing much you can do, at that point all non-physical assets are getting wiped, and even physical ones like your own bought and paid for home can get snatched, let alone those partly paid for on mortgage.

Pine_Barrens_ID

Yep, hard to go too wrong just going VT and ignoring everything

dudelikeshismusic

For individual companies, yes. For a broad index like VT? You're gonna have much bigger problems than your retirement if that doesn't bounce back.

Ill_Mastodon8324

Good point, just 100% VT and forget about it

NameUnavailability

To add to this guy's recommendation, you can just buy VT, so you dont have to worry about maintaining voo and vxus. You would be better served in the investing or bogleheads subs.

Sawyerthesadist

Fun fact about the VT’s is you can use the bot to tag people who banned you!

verified-trader

How did you escape the VT *hiss*

Vonnanstine

That’s what cracks me up about this sub and boglehead sub. People making 3-4x much as I do having no idea what to do with their money or asking simple questions like “ is VT good enough for long term” without any research or pulling out investments for example like currently happening right now with the market.

Disheveled_Politico

If you’re continuing to make huge levels on income, save every cent you can. I’m younger so my risk tolerance is higher, but even at 10 years out, if you can invest even $25k a year into VT or VOO you’ll end up with above $500k by 70. Add that to your SS and you’ve got a very nice retirement. 

yottabit42

Are you more than 5-8 years from retirement? Then there's nothing to do but keep dumping as much spare cash into VT as you can. If a recession hits, you're buying on sale and will come out far ahead.

CobaltCaterpillar

Something like VT would be more diversified with broader exposure across countries and small to medium cap than VOO.

verified-trader

Anyone else’s chats merging with other VT’s chats…?

verified-trader

VT’s don’t have toes

Sawyerthesadist

I don’t even care if that’s u Paul, we all VT now!

zer1223

Don't think of what could have been just think about the future. Your future is made, just put it into VT and chill

Sufficient-Flan1565

Dump it all in VT

Cool-Hurry5331

All in on VT until things change. Don’t touch options. 

NotExactlySureWhy

Slow walk your money into a 60/40 fund. FBALX like. You’re too old to take a big hit if you get the axe at the same time the market dumps. Everyone over 60 needs to be defensive but you’re still got to out grow inflation, especially now. Now if you’ve got 5 mil throw it all in stocks who cares. Fix up all your debts, and max out your 401k (21k?) and Roth any money below 22% tax bracket ( pretax down to 22% and Roth the rest). Remember that Roth needs to wait 5 years. Pile any money else you got into hysa for now. I’ve been moving money into dividend stock funds as a defensive move but really I’m just hysa, bonds and VT.

Snoo23533

Even Vanguard Target Retirement Income Fund (the thing all their target date funds turn into at the date) holds 30% VT.

kimchijodyboi

I am an absolute novice with trading and I am in the same boat as you. As a novice, do not trust any advice from analysts or anyone saying to buy 1 particular stock. Yes the upside swings can be big but this is the equivalent of you going to a blackjack table and hitting on the hand just bc someone told you to. The common sentiment for most people who want to invest but don’t do research or in depth analysis is “VT and chill” which is to say put 100% of your money in the VT ETF and DO NOT WITHDRAW. Over 30 years you will expect to average 7-10% annual returns which can set you up for life. This is what I personally do along with many others in r/bogleheads. You have 2 ways to invest using this method. 1. Dump 100% in an etf of your choice all at once. 2. Dollar cost average. You allocate a certain dollar amount to put into the ETF every month. The idea being no matter what price you buy at your costs will average out to the median price of the ETF over the year. If line go up, it doesn’t matter what you bought at bc you made money. This method is lower risk and what most responsible investors will advise. My advice to you. Sell all your positions that is not in an index fund/ mutual fund/etf. Gold/silver/uranium can be good but you will not see gains that can set you up to retire. If you are indeed up 60% then it’s a good time to get out. A quick glance at your picks over the last 5 years shows these stocks are basically even. You want growth over time. And growth in your Roth is 100% tax free. Lastly you should MAX OUT YOUR ROTH at every chance you can. Any leftover funds should also go into etfs in your emergency fund/hsa/529/brokerage in that order.

HoneyBadger552

I like the re adjustment factor with it. I added in VT with it to get more international exp

HoneyBadger552

VT is wonderful and seeing japan at 5% and growing in share is nicd

Form1040

I have believed since the seventies that over the long run, human ingenuity deploying capital gives on average better returns than the after-tax after-inflation return on bonds.  I have never had reason to change my mind.  Just keep buying. Since no one knows what, buy VT or VOO or something. The key is do not sell or stop buying during the drops. 

Form1040

True. VOO or VT or similar is fine for almost anyone. 

JackfruitCrazy51

I'm 3 years away from retirement, I created a TIPS ladder. If I was under 50, I'd be 70% VOO and 30% VT.

thejacka_

VT, Sofi, or NU

Delicious_Put_5857

i just DCA VT in that one. separate opinions from not opinions.

SmoothProfuselyMonst

VT

SufficientDrawing491

Voo/fxaix or VT

BenjaminDanklin1776

Brookfield and VT

I_Got_Ur_Number_8675

VTI/VT ba-by!

Quiet-Willingness724

Stick to VT.

ryanv09

Seriously. 500K? Just buy boring shit like VT, VTI, VOO. It will grow plenty without the chance of losing it all overnight.

IncarceratedScarface

It might be a bad time to invest right now but no one knows. Since things are high I’d put it into something safe like VOO which covers most of the US stock market. There is also VT and VTI if you want to diversify even more.

Existing-Marzipan384

Drop it in. Lump sum. Don’t check your account daily. Don’t worry about it. You’re gonna be ok. VT and chill.

rtfmplease

How’s your emergency fund? Fatten that up, put the rest into VT, and then move more into VT if you feel like it.

Such_Independent2426

Toss 100k in SGOV, rest unto VT. That way you've got a huge cash allocation on hand for emergencies or safety or whatever

Home-Star-Walker

I’m 33 and have $800k from just VT and working for 10 years. Everyone here just has the patience and attention span of a coked up marmoset

bwhite9

It depends on what time horizon you define safe. Board market stock indexes can be very volatile and can have massive draw downs but over the long run they have always recovered and gain more. So if you willing to take the volatility risk and are willing to sit through the down turns something like VT is a good idea. If you have a shorter horizon or know you can’t look through a 50% draw down you could get into bonds but in order to get the 5 to 6 percent you were looking for you either need to go into lower credit rated bonds or longer duration bonds. Lower credit is inherently less safe and longer bonds can be very volatile not as bad a stocks but still can move more then you’d expect. If you need something that’s truely safe and won’t fluctuate to much you can go to short or intermediate treasury funds like VBIL 0 to 3 month treasury or SHY 1 to 3 year treasuries. However these won’t get you the 5% you were looking for. They are higher the the 3.2% your currently getting and are state income tax exempt so if your in a place like California or New York they is more tax efficient.

ryanv09

Man, I know where we are, but I don't understand how someone can just casually gamble so much money on a single position. Like, by the time you have half a million to play around with, just put that shit on VT or VTI and chill.

HoneyBadger552

The returns fall far short of VT and SP500 funds. There is a wide gulf  between Schd and say VOO or similar

kairepaire

VT and chill

HoneyBadger552

Put $100 in my brokerage. Come on VT! You got this

Sufficient_Habit5091

VT is world ETF, if you're not a retard you would know I was trolling.

Sufficient_Habit5091

VT

AdditionalTap3927

I’d keep Bitcoin at about 10–12% and trim a little from VT, then add a 3–5% position in a high‑quality semiconductor ETF like SMH or a diversified tech ETF like QQQ. To hedge against a 40–50% market drop, put a small cush‑er in a low‑volatility bond or money‑market UCITS‑compliant fund—those are hard to liquidate but provide a safety net while you still chase upside. Also double‑check the tax rules for crypto in your country; selling can trigger a tax event even if capital gains are nominally exempt. That’s a balanced way to boost risk‑adjusted return without blowing the diversification that keeps early FI realistic.

bear_Prune8771

VT has the lowest Expense Ratio. That means you pay the lowest fee to hold it. But they’ll do all the balancing for you.

fidgetspinner67

Just invest in VT and short any ESG ETF. It’s like: all companies - good companies = evil companies.

Sufficient_Habit5091

VT is basically a mix of VXUS and VOO. It's like a less bearish version of hedging with VXUS.

PartyCompetition7841

what i feel is the largest hitch is that you lean 23% on SPMO and 23% on AVLV – both are heavy US large‑cap exposure, so the portfolio is basically a re‑weighted S&P 500 with a 10% slice of US small‑cap value (AVUV) and about 28% international value, plus a few mantles of small‑cap and emerging value. that blurs the line between a true factor mix and a modified index. a cleaner approach would be keep one core broad‑market ETF (VTI or VT), add a single US momentum fund like SPMO, a single US small‑cap value like AVUV, and then perhaps a low‑vol or quality tilt for downside protection. that cuts the fund count, simplifies the tax picture and still keeps the factor flavor, while cutting the 6% EM slice that adds paperwork for little benefit. the overlap vs S&P 500 is high – 48% of your core is essentially the S&P 500 anyway – so consider tightening the tilt so you don’t end up chasing the same basket of large caps under a new coat.

tabrisangel

The American market is the only one that matters. VT isn't going to do anything voo doesnt. You could invest in VXUS.

AdamantEevee

Why do you think VT is less risky than VOO?

keith1301

12% more VT and it would be perfect.

Sudden_Way_5241

Most of my retirement is VT. I'm looking at allocating new funds in a new way to give beating portions of the index during hard times my best shot. I'm still at the drawing board! Which 4 funds would you recommend? VOO (or SCHX), AVUV, SPDW, AVDV?

Sudden_Way_5241

I actually don't own these ETFs yet. I'm researching a better way to allocate new funds as my retirement is nearly all VT. I am aware of gemenis limitations as well as my own, which is why I am here asking for opinions. Thanks

Sudden_Way_5241

Thank you very much for your reply. I will go research the low vol and quality tilts. My concern is I'm 90% in VT (plus bonds). I want the ability to draw from overperformers in retirement while underperformers recover to stretch the lifespan of my funds. I thought if I broke the world into opposing factors and different baskets I might accomplish that. I believe tech will continue to rule the world, but not without some painful periods. The next crash is going to take a bite out of the index and v shape recovery is never guaranteed. I still have time, but not as much as I used to. I can see father time in my rear view now.

Sudden_Way_5241

There's little overlap aside from the broad market funds which were intentional. The one hole is midcaps. Since Oct of 2021 which is how far back the avantis funds go, the US portion of the portfolio would have returned 16%/yr compared with 13.5%/yr VOO and 12.2%/yr VTI My international holdings produced 13.6%/yr in that time also outperforming VOO alone. SPDW had a 10.1%/yr over that time. Combined, this port produced 15.3%/yr outperforming VT's 11.2% I had Muse do the calculations because it has access to necessary historical data.

AlphaDomain

This is thankfully incredibly easy to do with low risk strategies. You can simply invest it into VT or VTI and it should double in 7 - 10 years based on how the market is performing.

Kentuckyquestioner

An actually responsible bear doesn’t pull out of stocks or short, but derisks. I’m moderately bearish, but all I’ve done recently is pull out some QQQ and VOO to put into VT.

Over-Young8392

u ever check out VT

pitbullshogun

Thank you for the recommendation. I usually VT/VOO and chill but yesterday i had a gut feeling and decided to throw something into this.

bofoshow51

I would however have to change by contributions then to stay on target for market weight. Let’s follow your example and say market weight starts at 50:50 for VTI + VXUS, and I invest $100 each month. Then the market shifts 20% up for VTI and is stagnant for VXUS, so now they are $60:$50 and now the market weight is 54.5:45.5. Now I would need to adjust my incoming investment contributions to match that, otherwise I’d be under buying VTI and over buying VXUS. I guess a more accurate way to describe it is that the split requires more active engagement with your portfolio in any kinds of manner from just buying VT, and that extra engagement can be a risk.

gthirst

I'm not sure how investing in VT would accomplish that.

gthirst

I think the only bad part of this is the name Trump Stock. Otherwise it seems like you're just allowed to get started investing for your kid. Yeah, they may drop some garbage stock on you but just sell it immediately and drop it into VT if you want. Then contribute to their Roth IRA that you otherwise would have needed a 529 for before (which you can also contribute to). The trump account converts to a standard Roth at 18 right? Am I missing something?

bofoshow51

Here are the big three reasons: 1) to get the credit, you have to be in a taxable brokerage since in tax advantaged accounts it doesn’t matter, which from an efficiency point should only be done after maxing those accounts like IRA, HSA, and 401k. A very small portion of people can do that, but let’s imagine you do. 2) doing a split of VTI + VXUS instead of just VT means you have to manually maintain your market weighted ratio, meaning periods in between your rebalance checks risk underperforming the whole market. 3) because you must rebalance, you necessarily are checking your portfolio regularly, and as I mentioned in earlier comments, checking your balance frequently can lead to lower long term returns. So if you max out your tax advantaged accounts, if you can avoid behavioral panic from frequent checking, and if you consider the tax credit and expense ratio edge better than automatic market rebalancing funds that don’t miss the shifts, then sure do the split. It just seems like more work and risk than the benefit it reaps to me.

bofoshow51

Here is the big three reasons: 1) to get the credit, you have to be in a taxable brokerage, which from an efficiency point should only be done after maxing tax advantaged accounts like IRA, HSA, and 401k. A very small portion of people can do that, but let’s imagine you do. 2) doing a split of VTI + VXUS instead of just VT means you have to manually maintain your market weighted ratio, meaning periods in between your rebalance checks risk underperforming the whole market. 3) because you must rebalance, you necessarily are checking your portfolio regularly, and as I mentioned in earlier comments, checking your balance frequently [can lead to lower long term returns.](https://blog.odinvestor.net/frequent-reduces-returns/) So if you max out your tax advantaged accounts, if you can avoid behavioral panic from frequent checking, and if you consider the tax credit and expense ratio edge better than automatic market rebalancing funds that don’t miss the shifts, then sure do the split. It just seems like more work and risk than the benefit it reaps to me.

VegetableJunkie

\> It works the opposite. If funds are down then you would be buying into that rather than selling out of it. Let's say VTI is down 2% on the day you sell it, to buy more VXUS (which let's say is up 2%) in order to rebalance. Then you've just bought high and sold low, which wouldn't be an issue with VT.

KristyKae-12

From or currently? Current in Seneca Falls. Playing wine and waterfalls for a day. Was in VT. Heading back to OH.

Delicious_Put_5857

u should have an account for aggressive opinions (options if you must, futures, ETFs), regular shares/ETFs of whatever, and then a no opinion account (VT). and it should be like 25/25/50 at worst.

Delicious_Put_5857

u must have a VOO (VT preferred imo) account where u do not have any opinions. its a hedge against your opinions being wrong

autumnbreeznleaves

HAHA. The price of $VT is a bit lower now than the price I paid earlier this morning. The market could crash. This could be the top. But I have saved a few thousand dollars these past couple months above my emergency cash target so I'm buying. Everyone has a plan. My plan is I know that I'm not smarter than anyone else. I'll buy an ETF of the entire world when I have extra disposable income over some crap I don't need that I'll throw away a couple years later anyway.

autumnbreeznleaves

Yawn, I just bought some more $VT. The world will somehow figure out all these problems.

Apprehensive-Size150

I have zero interest in VT

redditissocoolyoyo

VOO and VT man....

phildude99

VT and chill!

VegetableJunkie

The auto-balancing feature of VT is enormous. If the global market drifts to 60/40, then you’ve left money on the table with a fixed 70/30 allocation. If the market drifts to 80/20, then you’ve also left money on the table with a fixed 70/30 allocation. Want to mirror VT by adjusting the allocation manually? Then you’ve just added complexity. When to re-allocate: if you re-allocate on a day the market is down 2% for the fund you’re selling, then you’ve just lost the value of the foreign tax credit over multiple years. And then there’s the fact that if the market ever drifts to 50% (or more) international, then VT will qualify for the foreign tax credit.