VT

Romulus4Remus

Yeah, correct. It's all index funds, but I need to rebalance my 80/20 VT/home bias split

SpiffyGolf

VT

TheBlackBaron

In taxable at least splitting VTI and VXUS allows for some foreign tax credit off VXUS, which VT wouldn't give. Better argument to use it in Roth but I'm a big fan of the Zero funds too so no harm there. Agreed about international though. 60/40 would be best, but at least do 70/30.

Critical-Dreamer

Bro, you’re not over diversifying. VT has over 10k stocks, and is widely considered the gold standard in investing.

VegetableJunkie

You’re a bit light on the international percentage. Very few reasons not to choose VT. At the very least you should mirror the ratio in VT which is currently 62/38.

StregaCagna

Vanguard Total World Stock Index Fund ETF - ticker is “VT” - it’s not an individual stock. Good core position in addition to holding individual stocks.

UsedState7381

VT, IWM and SPY are all cracking new ATHs today, right now. MSOS, obviously, can't even crack what we pumped up to this last Wednesday. The opportunity costs of staying invested in this junk are very real and rears its ugly head once again.

wild_b_cat

Don't try to time the market. It's a fool's game. Lots of people got out earlier this year when things looked shaky, and missed the recent upturn. Just to be clear: a crash is *absolutely* coming. But you don't know when, and neither does anyone else. Keep holding and regularly investing, and you'll get more ups than downs. That being said, if you have short-term goals such that a crash would hurt, you should be in more conservative investments anyway. If your goals are all long-term, just keep holding. I'd recommend more broad index funds: VTI, or even VT for international exposure, rather than trying to pick your own winners.

drew-gen-x

The DXY short squeeze is over. The dollar is going straight down. Too many people sold & shorted S&P 500 based on politics so we now have a FOMO rally & short covering there too. The problem to many have is that they confuse the stock market with the economy. They are 2 very different things. So what are you gonna do? Hold cash with 4% inflation?? You don't have to be a sunshine pumping perma-bull to know that when $VT or $SPY is falling to its 200 DMA you might wanna BTD.

cedrus_libani

I did that even earlier, back when Trump started going after the NIH. The part of my portfolio that I actively manage was heavy into biotech. I sold it all. I didn't sell my "VT and chill" account, though I did stop feeding it money. I bought some EU defense contractors, which worked out for me, but I went into 2026 with at least 20% of my net worth in cash. I finally conceded defeat. New Year's resolution, get back in. I'm still twitchy about the general state of everything, so it's mostly bonds and commodities...and biotech. There's a reason my "VT and chill" fund is hiding in a separate account, one where I need to make a phone call to sell it...that's saved me from doing something stupid at least twice.

showmetheEBITDA

Do what most people with high net worths do: 1. Put as much money as you can into broad index funds (usually $VOO, $VTI, or $VT). Try not to ever touch it, no matter if the markets are red or green, until you retire or have enough to invest in yourself (i.e. buying a home, funding education, etc.) 2. In-line with point 2, keep enough cash on hand so that you never have to touch your index funds. Compounding is an exponential force and stopping it can be more costly than having low to negative real returning cash on-hand if you lose your job or life happens 3. With a small portion of your money (say 1-2% of NW), invest in individual stocks. My favorite is taking some speculative picks on unloved sectors. I've been following the markets for years and have found there's moments nearly every year where the street gets bearish on a sector of the market and throws out the baby with the bath water. This year to me, it seems like software. Making one good pick per year is plenty - no need to be a hero. If I fail, well, the S&P is still probably reaching or near all-time highs, so I'm good

Ornery_Banana_6752

Dont feel bad. I took a 1k loss a couple weeks ago. Put 30k in VT with money I kinda wanted to keep liquid. It went down 3.3% in like 3-4 days. I pulled the plug and put the 29k left in a MM. The NEXT day VT was up 3.09% I just need to learn to ride it out better. Too many knee-jerk reactions

Putrid_Pollution3455

did something similar with VT yesterday....questioned my life choices. Realized some gains then immediately bought back. X\_X lost like 0.5% due to the bid ask spread

StregaCagna

You can literally see the startling difference in my portfolio from the day I sold all my Berk B and just put that same money in VT.

drew-gen-x

New ATH's for $VTI (US), $VT (World plus US), and $VXUS (World ex US). Pick your flavor. Just don't be 100% in cash when all the world CB's and governments crank up those money printers to go Brrrrrrr

RoyalAd215

Dgaf. VT and chill.

ManicMannequin

Only disadvantage to selling it is your tax liability on the gains which is the same as any other stock or gains from sale. Its usually better to stay in then trying to time the market unless you need to diversify or see a bargin you want to grab. VT being a world wide etf youre already diversified so I'd they you should only sell if there's a bargin you want, believe like the doomers that a crash is coming, or just need the cash.

BogleDick

The disadvantage is you will lose money. You may be able to time the re-entry once or twice , but I can guarantee you that you’ll lose it the long term. With broad market ETFSlike VT you literally just need to buy and hold. That’s it, do nothing else and you will be a millionaire.

TheLastJedi44

dude pls VT and chill with this

TechTuna1200

The difference is that he has to do research and keep track of developments on 40 stocks. With VT or any other index, everything goes in and out of the index automatically based on certain criteria, committee, or both.

IllllIIlIllIllllIlll

40 stocks is not over-diversified, it's the opposite it's already very concentrated. You could argue that VT is over-diversified, or any ETF with more than 1000 holdings. But even IOO for instance, which has 100 stocks, is a very concentrated bet. Let alone only 40 stocks that were hand picked by an overconfident redditor who thinks he can predict the future ("I expect each of these stocks to outperform the Nasdaq" LOL).

paistecymbalsrock

VT. Set and forget

GatorBo69

Luckily you’re young enough to earn it all back AND MORE!! I started at 22 investing $500 a month, maxing out my Roth, and when I “made it” in my late 30’s I was investing up to $10k a month. Now I’m 45 and my portfolio is managed by Fisher Investments, WELL worth their amazing fee structure when they have given me 20% gains like clockwork, and even in 2020 and 2022 given me a nice 10% return. They manage about 70% of all my assets, but it’s substantial. The other 30% is split up evenly with $200k in a high yield savings account generating a SAFE 3.8% APY, $200k in physical precious metals (30% Gold Eagles/70% Silver Eagles that I started buying up 10 years ago when 1 silver piece was less than $10) that are literally in my safe and something I will pass on to my children $200k in my own Individual investment portfolio that I see if I can “Beat Fisher” with and I never can but it generates a modest 9-11% return $100k in Bitcoin, ETH, Solana $100k in “outside the box” investment opportunities like Fundrise which I had $50k in that turned into 3200 shares of VCX along with the max $10k purchase of unrestricted shares that I placed a limit sell at $500 and got 100% lucky with and made $250k, along with a Wealthfront AI “automated account”. You’re still VERY young!! But like one poster on here said you ARE gambling, and you need to RESET and get back to work investing $500 a month into VOO, QQQ, VTI, VT, SCHD, SPMO, just google the best ETFs to invest in. Do that until you’re 30 and let that shit continue to compound. Live a frugal life and try to up your monthly allotment to $1,000 per month. And lastly, looks at this as a tax harvesting moment where you will be able to use this loss over the next 10 years to deduct $1,500($3,000 if married) from your earnings. This was a lesson. You were doing the smart play but you got caught up on literally gambling. You’re fine, now get back to work and invest responsibly!! You got this!!! 🙌🏻💯

YouOk5736

DCA into VT. We are at the beginning of a new economic world order.

Condog5

I don't think too hard. I just DCA VT and live my life.

InvisibleEar

"Ugh I'm selling the VT in taxable, seeing my savings go down is beyond my risk tolerance" - My dumb ass a week ago, who also lost a paycheck in 2025 TRADING FOREX

pickandpray

VT tracks the ftse global all cap

Putrid_Pollution3455

Not just that, I'm a bear with AI; I only use TA for psychological expectations. My real strategy is owning three uncorrelated assets with rules. Only down -3.25% ytd in unrealized losses, mostly from aggressively averaging down into ibit during bitcoin winter. Going to stack USFR until VT or IBIT break down. target 33/33/33 right now it drifted to 20/40/40 due to recent bounce. I fully expect max pain sometime this year and maybe we're already over it

Bergmeister_A

I don't know anything and I don't ready any news. I just all in VT.

Azylim

im not even into SPY or QQQ. im even more safe and evidence based than that. try the canadian equivalent of VT and AVGE lmfao

Much_Candle_942

What narratives.yo... Chip Chip Chips.. leather jacket CEO is my king! Project Stargate and 1000 godzillions! No, no.. it's memory that's the bottleneck! HBM and NAND to be specific. We need faster memory. No, no.. it's the network that's slow. 6G is the answer. Nokia comes shining 🌟  No, no.. critical minerals - without them, nothing! Any county that has them wins the world domination race. Did I say, without them - nada! Wait.. crypto miners already have all the hardware. No need for any new hardware. They're the ones to invest in!! Let's go.. Yandex pivoted to NBIS! Vlad type CEOs.. and new CFOs each quarter. Nice 👍🏻  Forget that.. Oil is still the King 👑 Economy runs on oil. Blockade that sh1t.. War is over. We don't need oil. Space is where the new battles will be fought. SpaceX.. SpaceX!! Trillion dollars IPO baby! Yeaaa.. but what if everything can be hacked? Heard of mythos, cyber security and project Glasswing? Top banks gathered in an emergency meetings? Palo Alto is the one!! Okay, let me just get VT and sleep peacefully?

IBangTokyoWife

VT is still mostly the US and there's no reason to believe the US will continue to outperform. It's already 60% of the world stock market. What are you expecting? 90%?

aur3l1us

Thanks for pointing this all out. My bias is to VT like you recommend. I’d like to have international exposure especially if VT is majority S&P already. Appreciate your insight and correcting the other commenter!

drew-gen-x

I was planning on ignoring his ignorant, smart ass reply. I didn't even suggest buying $VXUS b/c the question asked was b/w $VT or $VTI. Based on what the original poster asked I suggested $VT. Now yes I do own $VXUS and its my largest position; but I also own $VT and if I am asked which of the 2 I'd recommend b/w $VTI and $VT it's $VT b/c 1, that's what I own ; and 2, if you are just buying 1 ETF why not get exposure to the US & World over just the US?? $VT is over 60% US stocks anyway as you mentioned above.

456M

>Don't listen to the above, that's not true. Do your own research. [1-Year Total Return - VTI up 31.25%, VXUS up 40.81%](https://totalrealreturns.com/n/VXUS,VTI?start=2025-04-14&end=2026-04-14) >Invest in what you want, but never bet against America. It's a great way to lose money. 63% of VT is allocated just to the US. How exactly is investing in it betting against America?

drew-gen-x

$VT. Why just bet only on the USA when you can bet on the entire world instead. World stocks ex US have outperformed US stocks for over 1 year now. $VT is more concentrated in US stocks than world stocks anyway so you'll still get the US upside.

aur3l1us

Would you guys recommend VT or VTI? I have a lump sum to put in and hoping to minimize risk. Thanks!

UsedState7381

IWM and VT flushed down, oddly enough SPY has hit $7000 and is completely out of the dump from Iran even though the situation doesn't seems to be resolved. Volume on MSOS remains shit.

PurpleCableNetworker

Indeed. As long as you aren’t chasing meme funds (single stocks or etf’s) and actually diversify across VOO/VT or sector ETF’s that actually matter (and not stupid meme’s) then you will likely be fine.

Doodl3s

Not only is this NOT new... its recently been the opposite... since trump took office, the international trade over the last year or 2 has been beating the US market quite well. Either way... if you feel the US will outperform then go 70% US... but then realize VT (a total market fund) already does this for you. You'll be US tilted with important international exposure

Competitive_Past5671

I fell over. Then I fell into the Boglehead hole. It’s really nice. VT and chill

wynveen

VTI and VT nearing all time highs. Paycheck DCA indeed

DeHussey

Seriously.. I'm fairly new to investing (~3 years) and i still can't gauge stocks. Keeping a 70% VT portfolio helps me sleep at night, though!

IllllIIlIllIllllIlll

Wut? What do you think will be my "learning experience" if I invest in VT?

Ahamadrayasbaboon

I’m over here buying VT on margin

PurpleCableNetworker

I am reading “Single best investment” (written 20+ years ago by someone who was in their mid career in the 70’s). The book advocates for individual stocks that pay dividends. Backtesting a sample portfolio in that book yields worse results than even dropping money into just SCHD - with a few companies having gone defunct. VOO and QQQ buy and hold squash that sample portfolio listed in the book. While the basics of investing HAVEN’T changed - the vehicles, methods, and players have. Now days ETF’s are the normal, and retail investors can buy and sell on a whim on their own with no real cost to execute a trade. Placing money into VOO is a pretty safe bet since it offers automatic diversification. Add in VT and you have world diversification. 20 years ago you would have been holding 20 different stocks @ $20 per trade for a minimum of $1000 per trade (with a few days lag time) rather than 1 or 2 ETF’s with $0 trade fees and near instant execution from your sofa. The game has indeed changed and is different than Warren Buffet could have imagined.

jaquan97

So, VT and chill 😅.

paistecymbalsrock

The purpose of DCA is a long term viewpoint and you’re over analyzing a short term viewpoint. Keep DCAing into VT which is a set and forget ETF anywho

drew-gen-x

The transports used to always predict recessions before as well. The transports didn't lead to a recession this time. You're prolly right on the USA being much less dependent on Crude Oil in 2026 than 90's & 2000's recessions. We all have our own trading strategy. I'm usually too pessimistic. But being bearish in 2025 did me no good. BTD on $VXUS, $VT, $EWJ, and $GLD did work very well this time. I'll stick to my DXY devaluation trade. If $SPY hits new ATH's my positions should still outperform cash. Good Luck.

Inspiration_Bear

6 months of expenses in a HIgh Yield Savings Account or because of your California state taxes probably US T-Bills, the rest into a broad based Index fund like VT.

drew-gen-x

You should never listen to anyone on reddit for financial advice. We are all gambling addicts. But this repatriation of foreign capital out of the USA back to their home countries/economies has me rethinking the need to hold $TLT. I'm now moving towards 50% (World ex US) $VXUS, $EWJ , $VPL, 25% $VT (World plus US since these ETF are very overweight US stocks anyway), 15% $GLD, and 10% US dividend stocks. I've unfortunately been around boomers too long, who despite growing up entitled w/ a silver spoon in their mouth, were right about dividends & cashflows. What good are buybacks over dividends if you fave AI cap ex hyperscaler decided to spent all their cashflows buying their stock back at market tops before then deciding to spend all their cashflows on AI cap ex w/o ever giving a shit about their shareholders?? Good Luck.

Background-Depth3985

VT. The whole idea is that the market is efficient (‘everything is priced in’). So instead of trying to *beat* the market, you simply *join* the market. VT gets you a piece of literally every publicly traded stock in the world. As long as the world economy continues growing over the long term (it will), then it’s impossible to lose if you can refrain from finger fucking your portfolio. You will not get rich fast with this method but you will absolutely get rich if you’re patient enough. Meanwhile most people actively trading will still be poor 20 years from now whining about how the market is rigged.

Background-Depth3985

**VT

leaning_on_a_wheel

The best thing you can do is learn a lesson here. If you believe in these stocks long term you shouldn’t have sold. If I were you I’d just buy a broad index like VT and never sell.

drew-gen-x

$VXUS, $VT, $GLD, $EWJ. I'm not as bullish as you are on either AI or the $SPY. I decided to cast a much wider fishing net when BTD the last 2 weeks in March. But I'm also not an idiot that's in love w/ cash when bears are cheering higher crude oil prices not making the connection that cash is the worse position to hold with higher crude oil prices.

drew-gen-x

$VXUS, $VT, $EWJ, $GLD. When markets are selling off like they were at the end of March, I try not to pretend that I am smarter than I am & that I know which stocks are a buy. I just buy entire world indices, entire country indices, and gold. I don't need to die a hero.

Ok-Highway-6053

VT?

Financial_Love6910

Hello, I’m 31yo American still living with my parents and plan on either buying a condo or moving into an apartment in the next few years, but unsure. I have 180k in savings, but recently my hours were cut at work and i might only make 40k this year. I’m tired of seeing the market go up while my money sits in sgov. I recently decided to take risk and dropped 100k on SPYI, 20k on VT, and 15k on FMTM. If I were to rent when I move out I think SPYI would be a good pick for income. Do you think I’m taking too much risk?

drew-gen-x

Stagflation hasn't been priced in yet. But the market is hedging that possibility w/ Gold. I think that's where we are headed thou until world CB's turn on those money printers to go Brrrrrrrrrr I'm just making sure I am hedging & also buying World Stocks ex-US & Gold along with my $VT and US stock buys.

LEAPStoTheTITS

You already are there bro. You’re spending lots of your free time planning on how to gamble your money (and losing). Start putting your money into VT and don’t look back.

Ok-Highway-6053

VT?

Swred1100

Dawg…. Your investments over the last 20 years - one of the longest bull runs in history more or less - and your portfolio has been stagnant/down??? Just put it all in VT and don’t look at it

naturefort

Get a vanguard roth. Go all VT. Read simple path to wealth.

miguel_equivara

VT plus BND and you're done the entire planet's equities and a bond cushion in two tickers.

IBangTokyoWife

Why would this beat VT?

Solid_Writer1072

i only sold 50% of my bonds to buy VT in April 2025... in hindsight i should have full ported into 3x nasdaq but the TACO term wasn't invented yet...

altonbrushgatherer

I don't know if this post will result in an echo chamber or not but I 100% agree with you. There is a disconnection between what I think is going on the ground and oil futures. Compared to 2-3 weeks ago, what has changed? Oil traded at the same price, VT was lower, traffic through the strait was probably higher. Now there is no traffic as far as I am aware. China might be entering the engagement in a more meaningful way. Iran is doubling down on their demands. Make no mistake. The US could win against Iran militarily. But it would be a Pyrrhic victory and one that I believe would be a pivotal moment in the decline of America. The Iranians know this. Their single goal is to cause as much pain as possible and they just happen to be located next to a major artery of the world economy. I do not think blockades or dropping bombs will cause this engagement to end in the short term. I believe that the resolve of the IRGC is greater than what the market is pricing in. This is the moment Iran has been preparing for for decades, not a weekend, in contrast to the Trump admin. The SPR release is expected to end June-July. We are already mid April. So that leaves us maybe 2 months? The oil shock is already starting to build however. Multiple airlines today alone have announced that they are cutting routes (e.g., RyanAir, United Airlines). Friday's CPI announcement was through the roof but "below market expectations" so stonks only go up. Tweets and TACOs can only hide the oil deficit for so long.

bfabkilla02

Yeah definitely don’t listen to this, go $VT

owenmills04

Mid last week I was close to unloading XLE and buying some MSFT at $368. Didn't because I felt like this cease fire was BS. Sold a bunch of VT Friday betting peace talks would implode Everything happened the way I thought. Yet XLE has bled out every day, and MSFT and VT are printing today I'm done with this market. Just sold my entire brokerage acct portfolio and moved it to my HYSA

rjbarn

Touch grass pal, this isn't r/politics. Don't give a shit about a presidency that has less than 3 years. Tell me, what's the 5-year return on VXUS vs VT? (25% vs 43%, thanks to the US market). VOO is 63%

dudeatwork77

RH, get gold, max ROTH. All in VT

micha_allemagne

There’s a lot of overlap between these ETFs. Some people already suggested VT which is a great option to simplify all of this into one fund (minus the bonds). What’s your reason for the bond ETFs in there? Lower risk appetite? Shorter time horizon? I’d bring VTI and VXUS as alternatives to VT if you ever feel you want to have more flexibility over regional allocation between US and International. Here’s how those two look like in 70/30: https://insightfol.io/en/portfolios/report/6c1ebd63fa/

thetreece

What do you mean by "reflect the market"? You have like 3 broad US market funds, 3 dividend funds, 2 bond funds, and 1 international fund. If you want to reflect the cap weighted investable equity market, then 100% VT is an infinitely better approximation than this. How much you want in bonds should be a reflection of your tolerance for volatility, not an attempt to "reflect" the bond market.

leaning_on_a_wheel

Why not just buy a total market fund like VT?

rjbarn

All this just to underperform a broad market index. I'll fix and simplify for you: VT 100%

tired_ani

No, I don’t play around with my Roth and 401k which is fully in VT + 10% AVUV and a target date fund respectively. I only buy individual stocks in my Taxable and HSA. My Taxable is 25% IVV too, so I am referring to selling some of that 25% to fund my above direct picks.

kal14144

Lots of really hardcore religious groups came from the northeast in the 19th century. Aside from Smith from VT, Mary Baker Eddy (Christian science) came from NH, and William Miller (SDA) came from upstate New York on the VT border. And that’s just the big surviving ones. There were a bunch of others who didn’t make it. The same force that led to the weird splinter groups in the 1800s also led to the bulk of the population become chill Congregationalist Unitarians and then in the 20th century becoming secular. There definitely was some movement of people but there still is a very sizable population of pilgrim’s descendants - they’re just all secular

IBangTokyoWife

1. Why not ask for their historical performance after fees first? What makes you think they can outperform the market? Why choose them over someone else? 2. VT and chill. You've essentially just picked the largest stocks in the S&P. This is VOO with extra steps.

Ancient-Swordfish292

VT and chill for me.

j4c11

VT

Dear-End8908

This is exactly how they behave, you should inform yourself better: [https://www.google.com/finance/quote/VT:NYSEARCA?sa=X&ved=2ahUKEwimv6aSoOiTAxX2hv0HHfg5N\_EQ3ecFKAN6BAghEAQ&window=MAX](https://www.google.com/finance/quote/VT:NYSEARCA?sa=X&ved=2ahUKEwimv6aSoOiTAxX2hv0HHfg5N_EQ3ecFKAN6BAghEAQ&window=MAX)

Buck169

You could do a lot worse than putting 80% into VT (Vanguard Total World Stock ETF) and 20% into BND (Vanguard Total Bond Index ETF). This assumes you are not planning to spend this money soon but will be leaving it indefinitely in the funds. Get a copy of the book I Will Teach You To Be Rich from a library and read it. It's fairly short, pretty entertaining (no, really!), and if you can absorb and apply even 1/4 of what he writes, you'll be ahead of probably 90% of your peers and even people much older.

One_Talk_3410

VT etf 

Acrobatic-Song-3151

Because they buy IPO’s very early compared to even spy. I’ve mostly been adding VT since last April and I’ll likely flip most of my Vti into Vt. We have at least a few months.  We don’t want to own space x or open ai.. open ai is really a dumpster fire and that’s a huge reason Microsoft is under so much pressure. https://youtu.be/6a9L-3Hiobs Cheers! Why VTI usually gets IPOs earlier VTI tracks the CRSP US Total Market Index, which: Includes nearly the entire investable U.S. market Adds IPOs once they meet basic liquidity + float requirements Often brings them in at the next quarterly rebalance (sometimes sooner for big names) 👉 Result: IPOs can enter VTI within weeks to a couple months.

Ancient-Swordfish292

VT and chill. Pretty simple.

naturefort

VT and chill

Beach-Knight

Not a professional financial advisor. I’m assuming it’s a truly legit question, so I’ll give you a truly legit answer. You do not seem like the type of person who is going to spend most of your life studying markets and business nor do you seem like the type of person, once you have this footing to use, that will read through company reports well enough to make better choice than the majority of people who do it for a living. Therefore, you should not try to beat “the market”. Instead, just buy index funds like Voo, VTI, VXUS, or if you want the whole enchilada in one, VT. There are many other low cost options on top of those. By far, most people under perform the market long term. You very likely are not the exception.

McKnuckle_Brewery

Nobody charges for VT, including Fidelity. It's an ETF. VTSAX, a mutual fund, that's another story.

Buck169

Schwab doesn't charge a transaction fee for VT? That would be nice. I know Fidelity charges a fee for Vanguard funds, so I assumed Schwab did as well.

drew-gen-x

I'm up over 8% on $VXUS and $EWJ, and over 6% on $GLD and $VT since buying the bottom 5-10 days ago? And these are indices and not stocks. We are way overdo for a pullback. Just wait until this place turns bearish again and buy & add more. There's no reason to chase here. The 200 DMA has been a great buy indicator for World plus US and World ex US ETF's. Buying $GLD when gold pulls back to $4400-$4600 has been a good buy indicator as well. I've been spending a little money here & there & buying this pullback in AT\&T; but I'm sticking w/ 90% EFT's. I'm not smart enough to pick the winners in this crazy market. Don't get too bearish, but also don't get too greedy.

McKnuckle_Brewery

To be clear, I wasn't suggesting that you use Fidelity funds. I was just giving examples based on them. Schwab probably has similar ones. You can buy ETFs like VT at Schwab without issue. There's no need to switch. Only non-native mutual funds typically have a fee.

jk147

VTI is US only. VT is the entire world.

Buck169

For historical reasons, I'm in a Schwab account. I guess I could switch to Vanguard and go VT, but I've liked Schwab's customer service. Does Schwab have an equivalent to VT? My first search turned up total US, not total world

Feeling_Walk5820

This is why I just do VT. I don’t want to have to think about it.

the_devils_advocates

I just VT and chill. It goes up, I buy. It goes down, I buy. I buy twice a month

Da_Cum_Man

Waiting for next paycheck to come in before I tangle with $SPY 0DTE options. Until then I stay the course: 50% buying $SPY, 40% buying $VT, 10% buying BTC for mostly long term stability with a tinge of regardation

BurtonAllen-TA

My bad typo'd VT - yeah VT is definitely the way to go IMO.

verbalsuplex

All word is VT. VTI is still just US.

owenmills04

I bought about 5k worth awhile back when it was like $420. Just bought another 5k at $368. I don't think I'll buy anymore, but figured I'd average down a bit Yeah I think it'll do pretty well long term. Would I have been better off just putting it in VT? Maybe but I don't mind having a small MSFT holding.

naturefort

I was voo for decades. Did well. Started going 100 percent VT for all future contribtions in the accounts that I can, and swapped out voo for vt if it was not a taxable event.