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
Investing is largely very simple to be successful. You do not need an advisor to manage anything, in fact he’s likely costing you on returns. Prioritize money into tax advantaged accounts like your tfsa. You should be able to create a Wealth Simple tfsa and transfer any balance between your current account to that as a rollover. Next is choose a 3 fund portfolio based on your time until retirement. The 3 fund portfolio should be compromised of 1) US stock market, 2) International stock market, 3) govt bonds. Since you are only 19 y.o. You could easily forgo bonds until you are about 10 years away from retirement, because stocks are more volatile in short term but have much better returns in long term, bonds help reduce volatility in down times but cost you returns. Next is choose low expense ratio ETFs (less than 0.25%, many many good options are less than 0.08%) to fill your 3 fund portfolio. The industry standard are VTI (US total market) or VOO (US S&P 500 market) and VXUS (International market), or to be even more simple VT (Total World Market). VT balances itself to represent the total market weight of the global economy, currently it’s about 62% US/38% International. You can also just do VTI/VOO + VXUS at whatever balance you want to mimic that, I personally am 70/30 VOO + VXUS. And that’s really it. Throw your money on these and let it do what it does best, grow about 8-10% annually over the next 30+ years. Drop the advisor, his expenses are likely eating into your profit and growth without any meaningful benefit, as over 92% of active fund managers fail to beat the market returns.
Just buy a broad index fund like VT and never sell. That’s all you have to do. If you’re paying the broker anything you should severe the relationship
How retarded do you have to be to have that much in crypto. Just put it in VT and chill lmao
I have large positions in VOO and VT
If VT goes up 100x in the next 20 years, then that likely means that we went through a Zimbabwe-style hyper inflation event.
There are thousands of choices. We don’t know what you actually want. If you want casual investing go VT If you want to get more specific look at etfs. Qtum is a good tech etf Arty is a good ai etf Xle energy Xlf financials ETFs are good because they spread your risk out but capture sector movement. Individual stocks you should do research before getting into. I recommend exploring Ai, tech, drones, rare earth minerals, financials…those are all hot right now But final note… keep like 80% or more of your investments in safe, broad index funds like VT. That way you are okay if your picks don’t work out. Your risk is yours to determine. Good luck
Most people should not own individual stocks. You don’t have the knowledge or the skill to beat the market and frankly, most people lose money trading options. Reddit is the epitome of people who are “vibes” investing. You’re listening to people who have never lived through a genuine bull market. ETFs like VOO or VT exist for people like you. There is no shame in that, but you need to recognise that yes, they will be red sometimes. This isn’t a get rich quick thing. Investing is generally meant to be a long term thing.
You need growth at your age, not dividends or bonds. Some btc, some gold, some leveraged tech (QLD) are good, but 80% in VT and you can set and forget.
Ticker: VT Potential entry: $144.86, $145.00, $145.33, $145.50 Potential take profit: $146.12, $146.47, $147.00, $147.59, $147.83, $147.99 Ticker: VOO Potential entry: $629.89, $631.96, $634.50, $634.55 Potential take profit: $636.78, $637.08, $638.42, $639.24, $641.47, $642.21 Ticker: VTI Potential entry: $337.72, $338.39, $339.56 Potential take profit: $340.64, $341.23, $342.04, $342.52, $343.94
I've been buying VT for 12 years and haven't sold yet, and I'll probably never will.
I personally invest in equities and bonds only because of their fundamental value proposition. My primary goal is growth, and interest rates are low relative to expected equity growth, so I'm weighted 90% equity and 10% bonds. Equities produce everything. Ultimately, it's labor that produces value. You need to make assets move for them to get something out of them, and equities are the only thing that does that. I invest in a global market index (VT) because it closely resembles the global value of equities. For the long term, i dont believe strongly in any company, industry, or country (not enough to expect trajectories wont change), but I do believe humans will crack on and continue to progress as a whole one way or another. The value of bonds is contractually defined. They will pay $X dollars over Y years unless the guarentor goes bankrupt. No other asset class has the level of calculable certainty. I invest in a US-based currency bond index fund (BND) because it's the currency I trade in, and I'm not interested in currency risk. BND is as diversified as I can get without taking on risk of other currencies. I also use USFR and GOVT for tax efficiencies and safety associated with US treasuries, and I have a small position in SPHY as BND lacks junk bonds, and it helps balance my weighting back toward corporate bonds given my use of treasury funds. I dont invest in static assets or currencies as they dont have a value-growth proposition. When you invest in other assets, it's pure speculation they will be worth more later. I think they can be valuable as wealth preservers (albeit with a lot of volitility), but my main investment goals are growth.
Sound like you’re trading more than investing. Aim for companies you can hold for 5+ years that you know something about (ie are familiar with the business and 10-k and their strengths weaknesses), an have a competitive moat. If you can get in at a good price that’s a bonus, but the idea is, the company is worth more than the cash. You’re not worried when it falls because you own a great business with great people that will ultimately bounce back. How much should you research a company? In my opinion a good rule of thumb is once you know enough to stomach a 50% drop and not sell because you believe the company will bounce back long term. If after digging into a company you find the upside is not worth this kind of risk (even though, yes, a drop like this is unlikely for great companies), it’s not a company you can put money on. That’s a lot to stay on top of for a single company, and even more for many. If you don’t know much and you’re just buying and selling to make a quick buck, it’s going to end poorly and you should just DCA into VOO/VTI/VT.
Damn 19 with 12k and you lost half of your portfolio? Shove the rest into an Roth IRA and lump sum or DCA into VT
Depression and stock volatility can be a bad mix. While VOO generates good returns on average, a bad cycle could deeply affect you. Make it 70/30 VT and BND generates lower returns on average but could be better for your mental well being and beats cash sitting around.
I mean I just don’t know what to do at the moment with the house nest egg. Mostly keeping it in cash. I can’t buy for a year I’ve got maxed 401k and maxed backdoor roth p much all in spy/voo/VTI/VT
Hi im 23 and want to start investing. I have $10,000 in saving and wanna start by investing $1,000 to “dip my toes in” this past week i’ve been researching about how to invest and the stock market. I’ve decided that I am ONLY investing in ETF’s and not individual stocks since i’m still new and inexperienced. Im looking for long term growth. Should I use fidelity or robin hood? I made a list of ETF’s I’m interested and I need help deciding which to start with and how much to divide my $1,000 between them. The ETF’s are VOO VTI VT VXUS QQQM SCHD VGT So far i have 2 portfolio plans. Plan 1 VOO QQQM SCHD Plan 2 VTI VXUS VGT
> feel like i'm either doing shallow research and missing things, or spending entire weekends researching one stock So buy them all. VT and chill.
Hi im 23 and want to start investing. I have $10,000 in saving and wanna start by investing $1,000 to “dip my toes in” this past week i’ve been researching about how to invest and the stock market. I’ve decided that I am ONLY investing in ETF’s and not individual stocks since i’m still new and inexperienced. Im looking for long term growth. Should I use fidelity or robin hood? I made a list of ETF’s I’m interested and I need help deciding which to start with and how much to divide my $1,000 between them. The ETF’s are VOO VTI VT VXUS QQQM SCHD VGT So far i have 2 portfolio plans. Plan 1 VOO QQQM SCHD Plan 2 VTI VXUS VGT
Why have an IRA managed by an advisor “friend of the family”? Pick SPY VT VTI VOO VUG SCHG or QQQM and call it a day. You aren’t paying him I hope.
Lol. It's an absurdly specific prediction to say with such certainty. Funny how not so long ago, the Reddit hive mind would downvote to oblivion anyone suggesting that US exceptionalism probably won't last forever and it's better to own VT instead of VTI. And today, the Reddit hive mind has decided that international will for sure 100% outperform US and you get downvoted for saying that it's better to own VT to keep some US exposure instead of VXUS
“Fuck investing, I’m done” “Just going to VT and chill from now on” Brother whatever you were doing wasn’t investing and now you are investing
Honestly, fuck investing. I’m done. I thought I was buying a stable asset that has been used since ancient times, not Fartcoin. There is literally no way to win at this shit if you’re not insider trading. It’s designed to extract all your money. I’m just going to VT and chill from now on.
You stay in index funds. VT if you really want to play it safe.
The whole point is that foreign unhedged bonds don't do what you want bonds to do in a portfolio so are a generally bad idea. It is generally considered that you are best off getting your foreign exposure from foreign equities and that's what I do. There is no point holding cash beyond an emergency fund, and an emergency fund should be in the currency of the country you live in. I just invest in VT, one and done. I'll probably add some bonds when I get closer to retirement.
CR plus market is so unstable. Trump tweets and healthcare tanks. It’s like we have to monitor the market daily if we’re not 100% in VT only.
I dunno. Just seems like a boring hobby if all you have to say is "VT and chill." I am not necessarily saying it is a bad investing strategy, just seems like something you would only need to put any attention towards, like, a few times per year.... maybe once a month to check your account statement.
Short-term (1-1.5 years) you might wanna consider SOXX or SMH. Long-term VT, VTI, VGK, VTXS. VXUS depending if you think US / EU / Ex-US is gonna outperform or you think the US have a serious debt problem.
Invest in MORE than just the S&P500!!!!! For simplicity, go with VT and maybe a small cap value etf mixed in. Maybe 80/20, 90/10
Am I stupid for thinking of doing this? So I’m sure we all know that a lot of etfs are heavy into the big 7 and well the crazy growth that can’t be sustained has me thinking of moving away. I’d rather play it safer for long term growth and spread out to etfs like XLI, XLF, XLE, XLV, VBR, VXUS, and RSP. My goal is long term growth for retirement. Thoughts on this? I’d rather not get fucked when this shit bursts by keeping most of my money in VT or something.
I'm new to investment as well and consider myself being too late. I DCA IAUM $25, $25 VYMI instead of SCHD and $50 VT weekly on my ROTH IRA. Let's see how it is in a year. 😅
Then follow your instinct. It makes sense. Take a large portion out of silver and move it to VOO or VT
Your safest bet is VT imho. It will cover the entire market. Or, consider AVUS if wanting to stay US.
I used to think I could get value from the investing subreddit, but most of it is just crap. VT and chill
You may outperform S&P, you may underperform it. Statistically you are much more likely to underperform it. Not because you're dumb but just because nobody beats it. The best thing to do is buy VT, or a target retirement date fund.
VT is up 58% the past 5 years and you don't have to gamble on single stock. Have you been on TikTok and are inspired to retire at 25 or something?
I had voo and vtv until I realized there's a big overlap. I sold these two etf and put it in VT. If you are uncomfortable with the amount of silver stock, do covered calls or trim a small percentage
VT seems too slow for what I aspire to gain. I'm rather searching for good value stocks that could gain more than ~50% in a 5 years bull run. Thanks for the advice tho
Having a goal of outperforming the S&P is kind of a trap. I think in the long one you would do much better by just going with a standard index etf like VT or VTI. Warren Buffett once said don't try to find the needle in the haystack. Just buy the haystack.
At your age, I'd chuck it all in VT as a good starting base and keep adding till it for the next 30-40 years
Cash value life insurance is almost never a good investment. Insurance salesmen can give a slick (and misleading) sale pitch making it sound like it is. Buy term life insurance for what you really need to insure for. Rental real estate can be a good investment, but it requires a good business plans and knowledge of how to make it pay. You also need to take on a part time job of being a landlord. My stocks never call me at 2am to tell me that the heat/AC isn't working or the roof is leaking. Go over to r/bogelheads and learn how to invest wisely. It can be as simple as buying the VT ETF or a target date fund.
Current global market cap is at 37.5% international (using VT as of December 31, 2025). If things are priced fairly, that falls within that 30-40% range.
I have no idea which is why I own both VTI and VXUS. Owning VTI last ten years (until last year) worked out better. VXUS worked out better last year. If you own both (or VT) you likely are fine either way unless the entire global economy fails so add some bonds/gold.
Reddit: No. Just VT and chill from now on. You’re not built for anything else.
No. VT encompasses the S&P 500 plus everything else. If you're interested in moving away from US markets while still having some exposure to it, VT is the perhaps the best option. It's globally diversified.
$11K is fucking nothing in the grand scheme of things. If OP is being serious, then he needs to delete WallStreetBets forever and just put hit money into VT and walk away.
VT and chill my friend. Same as always.
You can just buy VT and not worry about it, but global weight is 63/37. Anywhere from 60-80% US and 20-40% ex-US is probably fine
you have clearly never seen the white trash and wooks that stink up the pile that is VT
VEU ETF contains no US stocks VT ETF contains global stocks including US Can't sit on cash or treasuries and I've read that previous metals ETF are not good enough because they might be margined. I'm still trying to wrap my head around this. Would love to see if there's anything other than buying coins.
Can’t wait to read this same thread tomorrow It’s as bad as VT OR VTI??? in r/investing or r/etfs
Since you already have a high risk tolerance and seem young I would stick to mostly equity ETFs like VT and 20% btc and leveraged ETFs like TQQQ. Get out of single stocks, some can go to zero. I don't think mining is worth it, just hodl BTC.
Too risky no. Life is all about risk at every level. What will bring the best returns? VOO was about 16-17% return last year, inflation was like 10%. VT was better because of international which seems to be the wave moving forward. Im personally very heavy in shny/agq leveraged gold and silver + Soxx + some other sector plays like URA and SHLD. I also have a small bit of VOO and IDMO + AVDV. USD value has gone down so much I don't really think you can just VOO and chill anymore as much as I would love to.
VT 80%+ GLD10% + SLV10% should be good
Anyone doing "VT and chill" is mostly holding US stocks, since most of VT is US-based. Check out the graph for VWRL, which is VT measured in GBP or EUR. It's gone up 7,15% (EUR) in the last 12 months, and it has just recovered the loss from the April '25 crash.
Don't go full VXUS, just pick VT or VTI/VXUS split. Despite what you hear on reddit doomers, Having US investments is still important.
The answer is diversification. VT, short-term treasuries, tips, small amount of gold. And keep 10% of cash on the side to buy the crash if it happens.
I did the same, had everything in VTI in 2024, went all in on VT for 2025, which was just pure luck, as you mentioned that did better than VTI. This year I am all in with Vxus.
VT = **V**anguard **T**otal World Stock **I**ndex Fund See the confusion?
You can't get better diversified than just buying VT or any other similar global index fund. Usually bonds are a safe haven, but with rates currently so low, and incoming measures are likely to be very inflationary, holding USD denominated debt might be quite a bad move. Most international bond etf's are also USD hedged.
I just invest in VT and don’t waste my time.
VT is essentially everything so you’re good there
Will do - Thanks for the advice! There's a lot of funds to choose from but as you already know, I'm already invested in VT - I know some investors would choose more than one broad index fund for their portfolio, even including a bit of overlapping in them (I hear a lot of VOO + QQQ or even adding a dividend index fund SCHD & an international index fund VXUS into the mix. What's your take on these allocations?)
Vxus and I’ve been adding to the Vanguard 2050 fund. I added VT last year during the April dip and wish I’d pivoted more aggressively. In a 401k I have 12.8% in a Blackstone international fund that was up 1.42% yesterday, about the same as vxus.
Im doing VT at least until next presidential election.
You've got an extra 10 year son him it's way different for you. You shouldn't even be here lol just put it into VT and you'll be rich as fuck when you're 55
Ah. Yeah that sucks man. I size heavily but I usually cut very quickly if it turns so I only lose like 15% tops. Not a strategy for everybody but it works for me. You just gotta find your ideal strategy and do that. Seems like swinging shares would do you well until you can build some confidence. Do you make decent money at least? If you do you might just be better off sticking it all into VT or something and checking back when you're 60 lol
Really I think the safest option is to buy VT. You could also just buy both VOO and VXUS in whatever proportion you deem appropriate. I think gold will also likely continue to rise throughout the first half of this year as the political climate intensifies ahead of midterms. It could go either way after midterms depending on the results. So overall I’d lean more VXUS / gold for Q1/Q2 and then maybe switch to VT or cash closer to midterms (depending on how it’s going).
VXUS (Vanguard ETF) or a similar total international stock ETF might be the answer if you want exposure to international markets. It's been outperforming S&P500 this past year. But, if you are lazy, you can probably just buy VT (Vanguard ETF) or a similar total world stock ETF. It has exposure to both US and international markets.
Im moving my stuff from VOO to VT as we speak.
You won't find decent growth in Europe or other developed markets like Japan, and political/economic risks are higher in China, India and Taiwan which are usually the big 3 from most EM funds. (Depending on the criteria they might also have SK as a big 4) Let's not forget than almlst half of the US market revenue comes from international markets. When the economy is doing well in other countries, a ton of US products are bought in those countries. Services/products by Microsoft, Meta, Google, Apple or traditional brands like Coca Cola or Pepsi are not only bought with USD in the US. VT is the best option, but the US will be a huge part of it.
I'm trying to start putting money into my roth ira but don't know what stock to start with first. I have a list that could work like VOO, SCHD, VT, VTI, and VXUS, but don't know what to choose. I was also thinking adding in a monthly dividend stock in it down the road but what do you guys think ?
Buy VT. You'll get the global market cap weight and benefit if US or ex-US does well. If others lose confidence in the US too, their capital will flock to ex-US and you'll be fine. Well, unless there is a global recession, in which case nowhere is safe.
> The value of giants like Google, Microsoft and Apple are international. > > I transitioned from being fully invested in VTI in 2024 to VT in 2025, and now I'm fully into VXUS. It's all about finding the best ETF among Vanguard funds. To simplify, I moved from an all-US allocation to a mix of US and global, and now to a completely global portfolio.
Why shouldn't I put my emergency fund in VT since stocks never go down for more than 2 days
Probably everything. The top companies are global companies with offices around the planet. These companies are basically like owning VT but in an American stock exchange. They're also listed in other countries stock exchanges as well.
I'm doing 33% ibit, vt, and usfr....if I was scared I'd do 50/50 usfr/VT
You could simplify it by doing: 90% VT (which is roughly 60% US and 40% non-US and includes all caps, large, mid, small) 10% BND
Don’t use AI for investment advice! VT is the ticker for Vanguard’s “total world” fund… your last question doesn’t really make sense. I’m not sure if it’s available for your 401k if that’s what you’re talking about here but something similar most likely is. Either way you can just choose a US fund and an international one if not a fund that includes both, it doesn’t really matter. My point is you don’t need the mid and small cap or bond funds here.
Honestly just used what options I had available and different ais that all came up with the same layout . Do you think VT would be better? And which VT are you referring to specifically that I mentioned?
No bonds at your age unless you’re very risk averse. Otherwise it looks fine. You could simplify and just go 100% VT is one thing to consider since you seem to want to buy the whole market.
Stocks are overvalued like crazy only been funneling because of the ai craziness. This is the longest bull market in history, it can't mathematically keep going or else VT will become 100% USA. What to do? Keep DCA, diversify and try to ignore the noise..