VT

capsid

what's a sufficient hedge in your opinion? I'm imagining cash in a high yield savings account (~3.5-4%)? put x% in VT? invest some cash in long term savings like energy efficiency and/or solar? just looking for ideas, thanks

DarkVoid42

invest in VT and VXUS, XSX7 and VOO. cover the whole globe and dont restrict yourself to a single country which can go through a downturn. diversifying your risks is key.

therealjerseytom

> I guess i could invest into a global index but im not sure if it would cost more effort. If i should consider an all world ETF, which one would you recommend? "VT" is a very widely recognized all-world ETF.

PhxCollins

The combo you're looking for is VTI and VXUS. VOO is *inside* VTI. VTI + VXUS for US + Intl, or VT if you want maximum simplicity (can't control the balance of US + Intl in VT). Some people do VOO + VXUS, but you're missing out on the 13% of the U.S. that VTI captures. Some prefer that, though!

drew-gen-x

I do suggest buying ETF's that are not the $SPY and $QQQ. The AI big tech stocks are too concentrated into both indices. There are problems under the hood that Trump is going to be unable to cover up for much longer. Why not DCA into $VT or better yet a World ex US ETF like $ACWX? Taiwan Semi makes up 4% of most World Ex US ETF by market cap and Samsung is nearly 2%. But there are no other stocks above 2% in most World Ex-US indices. That's the danger that could tank $QQQ and $SPY. They are both over-concented w/ over 40% market cap in 6-10 stocks. You live in Canada right? You don't have the USD. Maybe $GLD? $XLU?

Cruian

Different parts of the market over and under perform at different times. That's plenty of times where market favor is outside large caps (VTI would beat S&P 500) and plenty of times where favor is outside the US (VT would beat VTI and S&P 500). >Also un the overall SP made +795%, VTI +271% Are you comparing over the same time frame? That doesn't seem right, since by weight, over 80% of VTI is the entirety of the S&P 500.

LessRespects

I don’t feel like it but if you genuinely think I’m lying about all my money being in VT which is the most basic boring retirement fund feel free 😂

LessRespects

I put all my money in VT because I’m not retarded enough to convince myself I know better after being wrong for 350 Mondays in a row

MathematicianKey6222

Just VT and chill Bro

dansdansy

Higher fee, you get the same diversification with lower fee just buying one-one VTI/VXUS rather than VT.

Eobardesmith

No I mean like today VT is down more than those two both. I though it should always be in the middle of them too

Eobardesmith

How is VT worse than VTI and VXUS. Isn’t it a combination of the two?

Konabro

Now I’m starting to see why the smart ones just put money into VT/VOO and DCA. This casino shit is for the birds.

obidamnkenobi

Why S&P 500 when you can do VTI or VT?

Infinite_Playdate_XO

The older I've gotten and the more accounts I've accumulated or inherited, the trend there is to consolidate and simplify to help declutter and minimize overlapping holdings and to get a clearer picture of my asset allocation. * My rollover IRA is probably the most complex with 12 positions currently. * My Vanguard Roth IRA is 100% VT. * Inherited Roth IRA is 100% VT. * Inherited IRA is a 3 fund portfolio. * My M1 Roth IRA is running a modified version of HFEA with 4 leveraged positions. * 401k has 4 funds one of which it crypto. * HSA is 3 fund portfolio. * Taxable is BRK.B, VTI and VXUS.

Rockatansky77

I began investing on my own with a Roth IRA a year ago this month at 54 years old. I'm up 24% for the year. I started very aggressive to catch the AI wave with ETFs and about 12 stocks. With concerns of an AI Bubble I pulled back and reduced my stock holdings. I entered all of our financial information into Google to do research and come up with a plan that would let me sleep at night. I will have a full pension in eight years and my wife has a 401k through work. Google suggested that with the pension and 401k I could continue to be aggressive towards growth for five years and then start shifting towards more stability in bonds/REITS and then finally dividend ETFs for income if needed. I tend to agree with that. We will be 60 by then. My wife's Roth I'm keeping conservative with a VT core and AVGV and gold as satellite holdings. I'm holding eight stocks with VT as my core, SCHG, FIDU. All the big tech. money is going towards the infrastructure to support AI so industrials are growing quickly.

Thuradzon

VTI for 401k VT for Roth IRA And more VTI in regular taxable brokerage

owenmills04

Ehh VT isn't even below 140. A year ago it was at 120

Icy-Issue6958

so just like VT vs VTI, always better to invest within an INTERNATIONAL ETF rather than a US based? I just looked up VT vs VTI so I'm assuming the added M on QQQM means international? 

Kaa_The_Snake

Then you again for the interesting insight! There are so many facets to this whole thing, beyond the facts (are we even looking at the metrics that matter this time? The vast majority didn’t see the Great Recession till it whapped us). There’s the human angle, with social media, bots, bot farms, influencers (good and bad). Outright manipulation of the market. The shadow market of private equity that no one really knows what’s happening there. Wars. Or even environmental shocks like Covid or a large volcano or tsunami or other disaster that could impact a lot of the world if it was big enough. So. Yay. I guess. I’m majority in VT, with another chunk in ex-US as my 401k contributions are going towards an S&P fund as they don’t have a good ex-US fund. And some short and intermediate bond funds plus some real estate. Best I can do with what I know so *shrug* I guess I can’t sweat it.

Willing_Ad7285

Just dollar cost average, take the win for buying more this month at a discount and don't try to time the market. Nobody knows what will happen. AI companies are already dangerously over leveraged and it is not like every one of their institutional investors won't take other major losses due to oil prices. If there is a panic, positions will be liquidated and it will cascade. That's why the best strategy for non-insider investors is broad index funds like VT. That way if AI continues to pump you don't miss out but if it pops you still have a lot of value stocks that will probably be on discount.

Ancient-Swordfish292

I read the loss posts on wallstreetbets to keep me on my VT and chill investing strategy.

Pink-Pony-6398

I’m Panicking, bought right before the dip! Down 15% I am 21 and only started investing in November with a total of \~10k. I have 70% in relatively stable ETFs (VTI, VT, VXUS, SPXT, VIG, Nasdaq?), but that remaining 30%… wow. I’ve been invested in GOOG and Taiwan and they’ve done well for me. But a couple weeks ago I decided to buy some riskier ETFs because they had like 3-5 year major growth and didn’t seem too volatile (like a random startup). These ETFs include South Korea, Spain, Brazil, Copper, Silver, and Gold. My portfolio was doing amazing. ALL of which are crashing hard. I literally bought days before the big dip when there was a tiny dip, figuring that when I check back in 20 years it’ll have some normal bumps but ultimately go up. But then Trump bombed Iran and everything fell apart. I have 50% of my net worth invested. I don’t know if these markets will come back well enough to make the purchase worth it. I know I should hold. I learned my lesson when I first invested and listened to my Crypto ex-boyfriend (who is very rich and told me not to worry, high risk high reward. And like an idiot I believed him), losing $800. But it’s still making me so anxious, people are saying this war could last for years, and I can’t help these emotions even though my logic is telling me to hold. Ugh. It just sucks.

Natural_Note5282

Reddit says VT and chill now lol

Osamabinsexi

Why the hell would you buy VT with everything else you listed?

owenmills04

Current targets VT --> $125 MSFT -->$360 ASTS --> $75 RKLB --> $50 CAN'T WAIT

IronyElSupremo

> war It’s probably been adjusted for as geopolitical risks were discussed a year ago (well we just got a little more “adjusting”). There’s the U.S. with a powerful economy guarded by 2 oceans along qwith a powerful military. It’s going to be more secure. However, .. if non-U.S. stocks are more risky, in theory they should return more in the long run when looking at geopolitical risks in isolation. There’s other factors too, such as the U.S. economy really supports its stock mkt, etc.. Again the wealthy and their advisors are always adjusting all this info so it’ll be reflected in market cap for the most part = look at VT if into all-cap global stocks or if only interested in the largest of the large, iShares IOO for the 100 largest global stock index

owenmills04

Yup. I went 50% cash awhile ago. Backing up the truck when VT hits 125

cjorgensen

You replace the get rich quick mentality with the get rich for certain mentality. Get Rich Slowly. At 33 the most valuable asset you have is time. You're 32 years away from 65. That's a lot of time for interest to compound and for stock to appreciate. Get yourself a Roth and max it out every year. Read and understand your employee benefits and take advantage of them. Get your 401k match. Put extra into your 401k if you can afford to to get the tax breaks. Invest in boring broad market index funds like VT or VTI/VXUS. Be consistent and act with purpose. The only other variable you control is your income. Do what it takes to make yourself more marketable. Get more education, certifications, or whatever your field looks at to make your wage higher. Make yourself marketable. There isn't a secret plan to wealth. Just spend less than you make and save and invest the rest. Live within your means and try to increase your income while decreasing your expenses. Then come back and read this post in 20 years.

hv876

DCA into VT and chill for rest of your life

DudeWithTudeNotRude

Probably max 401K and HSA first if reasonable. But personally I'd keep 2-3 months of salary in the hysa, and have the rest of my Emergency salary/house/car Funds to brokerage, maybe split into something like salary in Money Market, house in SGOV, and car in BNDS. As long as you have a few months salary that is easy to access, your credit cards, HELOC, et al can cover you for the ten days it might take to get to the rest of your emergency money out of brokerage. I wouldn't call it optimal, but it's a good intro to how taxes and everything are different in brokerage, and now you have a platform ready for after you've maxed all your tax-advantaged accounts. Taxable brokerage is where I tend to have "smaller" or more focused indexed ETFs, if that makes sense. If everything was available to all my accounts, I might have the most fund index like VT (with maybe some bonds) in 401k for simplicity, then in ROTH IRA would be VOO (with less/no bonds) since I want the most tax-free growth possible there, but then in brokerage, instead of VT I'll use smaller ETFs like VTI + VXUS (which together they are very similar to VT). That way i can benefit from the foreign tax credit in the brokerage, and I have more flexibility for re balancing as needed over all of my accounts. And bonds will go heavier into which ever account has a compelling tax reason. E.g. if I have a high state tax, some bonds might make more sense in brokerage, but otherwise I'll probably have more bonds in the 401K. Be careful of having the same funds (or funds that are practically identical) in brokerage that you have in other accounts. If you ever get to the point of tax-loss harvesting in your brokerage, you can't use that if you have the same or similar-enough funds in your tax-advantaged accounts. I'd lump sum from HYSA Have a plan for retirement, and then ignore dips until you are close to retirement (or have a plan that includes buying more during dips to benefit from the discount, but I'm not smart enough to time the market like that). Your plan should include the possibility of a crash during retirement. If you aren't actively spending money from your accounts as income-replacement, such as you would during retirement, then downturns mean little (unless we finally have The Downturn That Never Upturns Again, in which case, have extra ammo and water, since your accounts probably won't matter) You plan should cover all your accounts. If you want 10% bonds now and 50% bonds closer to retirement, that would apply to all your investments. Your accounts don't have to have the same distributions ides each one. Remember that only ROTH dollars are showing you your real invested dollars. E.g. a good portion of that money in your 401K belongs to the government, so subtract 22% if you want to know how much money you have in there (or subtract whatever your tax bracket will be in retirement, which we unfortunately can't know). For brokerage, it's more complicated.

owenmills04

When VT hits 125 I'm backing up the truck

IronyElSupremo

There’s so many pro- and cons- to US vs non-US markets, .. it’s like trying to predict a cat’s behavior after it’s free-based a Rick James-sized bong hit of crack cocaine. I’d figure out a US/non-US ratio you want to stick with like 70/30 to 80/20 (which many, including Fidelity, think is the optimum) and then find a couple low-cost broad-based index ETFs to rebalance every year or 2 (in the U.S. should be able to find these ETFs at 0.02%-0.04% if looking hard enough). Could also pay a little more expense ratio (0.06%) for the global ETF, Vanguard’s VT, and have “the market” do it continuously. There’s also, in order of concentration, State Street’s SPGM (0.09%), iShares ACWI (0.32%), and, for an added bennie fo the companies saying nice things about the environment (“I promise..”) Invesco’s fairly new KLMT (0.10%). > AI The US is the leader in “Big AI”, but it’s also hypothesized that EM will benefit long term as language barriers come down. That said the US has a big advantage that stocks are a larger share of GDP % wise versus major competitors. There’s also the 2 ocean defensive shield for most sectors as geopolititriskw increase

BitterMarket233

It's true though.....VT or VOO and chill is far more popular now than it was 25 years ago, and that's a sound investment strategy.

owenmills04

I'm waiting until VT hits 125 then I'm in

Imaginary-Kale4673

None. Investing money and not supervising your property it always ends bad. If you choose the path of ignorance then go mega diversified with an index or ETF like VT.

AceMaxAceMax

Set and forget in VT or VTI/VXUS, plus recurring investment.

wanseer18

Bruh I rode the wave down on GOOGL and MSFT earning beats so I sold all my AVGO as soon as I saw the not incredible beat cuz I thought it was gonna tank too wtf. I might just VT and chill after tech stocks hit ATH this summer 🥲

Ancient-Swordfish292

I do VT and chill. The pursuit of policies and actions that weaken the dollar convinced me to buy some international equities.

RagnarokWolves

Diversity is good. If you want to have some direct control over how much is allocated between US and international, you can do VTI (mix of large, mid, and small US stocks) and VXUS. (International, non-US stocks). VT is currently weighted about 60% towards US stocks. But it'll automatically restructure if US starts to lose global dominance.

TreGet234

Which etfs would you swear on your life will outperform VT this year?

RagnarokWolves

> I really am just looking for something that I can just stick the money in and forget about it, then just let it grow indefinitely. You can either do 1) ETF that tracks the S&P 500 (this was Warren Buffet's advice on what you should invest in if you don't want to be a professional trader who always follows the news) 2) VT - Vanguard Total World Stock Index Fund ETF (In case you're nervous about the US not always being the world's greatest economic superpower, this is a mix of US and global stocks. You'll get less returns compared to US investors when US stocks are hot, but you can sleep easier at night when US politicians are doing dumbass things) 3) Target Date Fund based on your anticipated retirement date (a professional will choose the allocations and as you get closer to retirement age they will invest your allocation more into bonds and other safe vehicles. So you don't have to worry about some huge economic crash wiping out your retirement funds right as you're getting ready to retire.) Just make sure the expense ratio isn't super high.

Acrobatic-Song-3151

Sounds like you’re learning and if it hasn’t cost you five figures yet then you’re still winning.  Want a couple more? Never put more than 5% in any one stock, EVER.  Don’t mess with your retirement accounts. You can be a poor trader in your trading accounts, don’t screw up Ira’s and 401k’s.  Do you know the difference between long term and short term capital gain rates and how that should impact your decisions?  Last one, nobody shouting online knows a damn thing.  Good luck, if you don’t get the stomach for this stop playing and become a boggle head. Most of your money should be VT like forever.

Dirkredblade

Are you sure you understand what VT is? VT is virtually all the publicly traded companies in the world at roughly market weight. Someone who buys VT should never care about performance- by buying everything at market cap, you are guaranteeing underperformance compared to the best regions and guaranteeing overperformance of the worst regions. Either VT and chill or pick some sectors/regions. Buying VT and worrying about returns would be like buying a Honda Accord, and then wondering why it's not as fast as a Ferrari, or as pretty as a Bentley. You bought the Accord, yeah, it's not as nice as BMW, but it's better than a PT Cruiser.

humdinger44

I'm a boring investor. VT and chill. I was hoping for a widget that could show a % change for today's price vs 90 days prior, and maybe vs a rolling 90 day average price.

Gloriam_Insights

The answer depends on what this money is actually for. If it's long-term wealth building, the boring answer is the right one: broad ETFs like VT or VOO. Not exciting, but it works. Because roughly 40% of individual stocks experience permanent drawdowns of 70%+ with no recovery. Inside an ETF, that doesn't matter. One outlier winner can offset the rest. That's why ETFs are so powerful for a regular investor. If you want to treat part of it as an experiment: crypto, industries you've never been exposed to, bonds. But it might be riskier depending on what you choose. And nothing wrong with that, as long as you know the difference. The "top 5-7 commented stocks" idea is the one I'd push back on hardest. By letting people decide where to invest, you're mostly gambling and not investing, because random people on Reddit probably won't pick the best ones, let's be honest. But if you go with this one, it isn't necessarily bad. Just be aware of the risks.

qaz135wsx

Microsoft, Google, VT

wandererarkhamknight

VOO is S&P 500. VT is global market, VXUS is ex-US market. VOO alone isn’t necessarily bad. But adding international will give you exposure to more market and the benefits of diversification. Generally US and international takes turns. Lots of people had started investing at a time when US market is on a bull run. So there is some bias towards US market.

zendaddy76

VT 🤙🏽

Important_Shirt_1567

why do VT and VXUS seem so much more volatile than spy right now? VXUS doen 4% and VT down 2% , while VOO only down less than 1%?

Important_Shirt_1567

Any idea why VXUS AND VT got hammered while SPY was down less than 1%?

Cuentacero

Hahaha bro you hate PROP and it’s management on another level!  Cheers 🥂

amoorefan2

I keep mine in SGOV. When the market dips, I buy a bit of VT. I know this is stocks, I sometimes buy individual stocks when I think they’re beaten down by a story that doesn’t affect the business.

cedrus_libani

I have admittedly been in bear mode for a while. At the start of the year, I had around 50% VT, 30% cash/bonds, 10% EUAD (European defense), 10% degenerate gambling. After the cartel flare-up in Mexico, I put most of my gambling budget into silver. Mexico makes a lot of silver. I'm down a bit, haven't given up yet. I sold the EUAD on Monday. I bought it when that sector was underpriced, and now the market has caught up. I plan to roll that money into SCHF, which has similar vibes (mid-large companies in developed ex-US). Just not yet.

IronyElSupremo

Global will include US such as Vanguard’s VT, State Street’s SPGM, and iShares ACWI etfs, unless it’s clear the U.S. isn’t included (ex-U.S.), such as the ACWX etf. Probably to take advantage of the dollar acting differently as the iShares products track very well for traders. It’s not just the U.S., as there’s a developed global ETF without Japan (iShares Kokusai etf ..TOK), due to some wanting to avoid it due to underperformance since the early 1990s (or maybe adding a cheaper Japan etf and maybe an emerging index ETF) . Most of the time there’s an “x” like VECX .. Vanguard’s new emerging mkt etc ex-China.

sc181818

Depends your invest philosophy mainly, I only look for long term holds or 6 month-12 month positions for quick profits, to then roll into the long term positions and look for new ST holdings. With that strategy in mind and my young age I don’t want to lose out on potential gains by being conservative with VT. I would rather be more aggressive into VOO and QQQM for the long haul. But to each their own risk tolerance wise. VT wont lose money I just doubt it will ever match the pace of returns from VOO in a 10/20 year horizon.

abstractraj

Sometimes VOO gains faster than VT and sometimes it doesn’t. The S&P is just chopping sideways this year, but international is seeing improvement. I think it’s just simpler to cover all your bases. If you want to keep an eye on it and go VOO, then by all means. I actually keep a chunk of SPY so I can sell covered calls

Oatz3

If it was a single stock OP just consider it a lesson in diversification. Hold the taxes separately if you need to and get into VT

abstractraj

VT and chill. It covers the world. You’ll be diversified across thousands of stocks. Shift some into SCHD/BND closer to retirement

MitchCurry

Honestly, I'd recommend starting free and just reading and learning. This is something Claude and Gemini could be useful for. If you don't know what a term means, google or ask AI. The money you would pay for a service is better off being invested in VOO or VT or VTI or something similar. Putting it there instead of YF's pocket will reap you far larger dividends down the road.

therealjerseytom

> SCHD has much lower PE ratio There are reasons for this. It's important to consider what sectors a fund leans into, and what kind of PE is typical of those sectors. It could be sitting at a lower PE than the broader market, but that doesn't necessarily mean that it's an attractive valuation. With that said, there are those, like Vanguard, who see value and smaller-cap style boxes, as well as ex-US equities, as being more attractive on a valuations basis than US growth mega-caps. Rather than VOO, VTI, or SCHD, if it's me I'd be looking at VT for your time horizon.

DungeonWalkerCarl

What's your number where you quit and go VT or some other boglehead etf?

DigitalDensity

To elaborate on this, OP, FZROX is a zero-expense VTI and FZILX zero-expense VXUS. As others have said, this combination gets you (nearly) every publicly traded company. The only caveat here is you’d have to decide what you want your US vs Ex-US allocation to be which would be avoidable with VT. Something to note, these are not ETFs like how the Vanguard funds are. You place a buy or sell order for however much in dollars or shares and buy/sell when the NAV changes for the trading day. ETFs (VTI, VT, VXUS, etc) are bought and sold throughout the day. If you automate investments and don’t plan to actively trade the Roth IRA (which shouldn’t be done anyway), this is a non factor but I know some people get antsy about it. Last, these are Fidelity-locked. If you ever want to move your Roth IRA elsewhere, you’ll need to first sell the shares of the funds before you move the money elsewhere and buy the other ETFs/index funds in the other broker. In a tax sheltered account like a Roth IRA, this doesn’t really matter. In a taxable brokerage, this’ll force you to recognize gains or losses and to pay taxes on those gains. All that being said, I love my Fidelity Zero holdings and would definitely recommend them so long as you have no plans to move out of Fidelity any time soon.

Legal-Koala-5590

This is why we invest in VT.

adultdaycare81

Pay your taxes! Probably turn up your withholding at work so you don’t under withhold. Then diversify (unless that was VT). Learned a valuable lesson

SecretFishWorshiper

Care to explain why? Lol I just dumped $2,000 into VT today because it was down 3%

InvisibleEar

A while ago I posted here why shouldn't I keep my emergency fund in VT because stocks don't go down. Well I actually did it for some of it and it turns out they can go down

drew-gen-x

I just spent 3 months salary BTD. I bought $CAT, $DE, $PHYS (Gold), $EWJ (Japan), $EWW (Mexico), $EWY (South Korea), $ACWX (World Ex US), $VT (World plus US). Let's see how trying to time the market works vs DCA. I believe peak fear is already here. We'll prolyl get a TACO Trump tweet any minute now.

R3dFiveStandingBye

Bro VT is getting obliterated, who’s international market blew up

R3dFiveStandingBye

VT and suffer

boyinahouse

Wrong. Wrong. If you pay taxes NOW, then that money is "out of the game" and done compounding. Versus, you stay 100% invested in something like VT, then a lower return is equivalent to your higher return, simply because of less tax drag. Not to mention, significantly less risk.

Mega_Mons

I don't know why people think I'm trolling when I've literally done better than if I had followed his philosophy. I just see it as lazy, which isn't necessarily bad if you just want to forget about your investments, but I think a lot of people can do better. Like, what are the research tools in your brokerage even for if you're just going to put everything into VT and this would somehow be the superior strategy?

MomentPrestigious180

Jack Bogle said I'm not a regarded for sitting on VT and not panic sell during uncertain time like this. Imma believe him.

cjorgensen

You can still contribute for 2025, so make sure any money you put in there goes to that year first. You have until Tax Day to contribute for the prior year. Just put your money in VT and forget it. If you want VTI/VXUS. You might want to check out r/bogleheads. If you take their philosophy to heart you won't ever miss out on the best stocks.

abstractraj

You could stick it all in VT. It follows the world market. Eventually when you get closer to retirement you can add bonds

Key_Lifeguard_8659

Dude, why are you getting so worked up? What do you care how much I have in SGOV, or the over-weighted positions I trimmed to accumulate cash? It's all part of investing. So, I had 57% of my taxable account ready to deploy, if warranted. That's a strategy, it's called capital preservation. I've got a military retirement, two revenue streams from co-owned storage facilities, a rented house in Costa Rica, and another in Spain. I'm not concerned about having everything I have in VT at my age. I'm struggling to find hard assets to store capital and the market isn't my first choice and owning real estate abroad has its own set of problems. Don't judge when you don't know anything about my situation.

AwesomeAsian

Well I would ask myself when do I want to use the $30k? Do I want to save and take it out at retirement? If Yes, I would contribute the max amount in a Roth IRA in a target date fund and forget about it. Then I would use the rest of the funds to put in VT or VTWAX (balance with bonds as you get older). If I’m just looking to use that money in the next 5 years, I would put it in a money market fund.

Beastman5000

Put it into VT and leave it alone (or better yet add to it regularly if you can).

Internal_Field5970

VT

drew-gen-x

We can learn to walk & chew gum at the same time. Do 2 things at once. Go half & half w/ $SPY and $ACWX for example. Or 1/2 $SPY and 1/2 $VT. Then choose your 10% gamble.

drew-gen-x

You got to invest in what you believe in to have conviction to hold during downturns. I am not a tech guy, & believe in cycles, but your port indicates you are tech guy. So maybe if I was thinking like you were I would hold onto $QQQ position and sell my $VOO shares and buy $VT or another all world plus US ETF instead of holding the $VOO. I do think you are giving up on $VXUS too early as I think we are entering foreign stock cycle of outperformance vs US stocks. Good luck regardless.

chfr

$2000 with no source of income goes right into a high yield savings account. Unfortunately, it's not worth getting into the investing game until you've got a source of income.  Once that's the case, pick a number you're comfortable with each month and dump that amount into VTI or VT. You'll get rich slowly, but you'll get rich.

LemonTeaCool

How is VOO green but not VT?

drew-gen-x

You have a lot of tech stocks where you are double dipping b/w individual stock holdings, and their inclusion also in your $QQQ and $SPY/$VOO holdings. I do like that you are adding to $AVDU and $AVUV. You have chosen those 2 where I am investing in $EWY and $EWJ. I would increase your $AVDU & $AVUV percentage or just buy a non USA world EFT like $ACWI and sell the individual stocks or your $QQQ holdings. Your individual tech stocks and $QQQ holdings likely will go up or down at the same time. I am also moving towards ETFs over individual stocks due to time & life. But the industries & indices matter more than just stocks vs ETFs. I would add non USA indices ETFs. Or at least all world ETF like $VT over holding both the $QQQ and $SPY/$VOO). Pick either the $QQQ or $SPY/$VOO, one or the other and buy $ACWI or $VT for the other indices holding. My worthless unasked for 2 cents.

leaning_on_a_wheel

This is less diverse than just buying something like VOO, VTI or VT

StregaCagna

I sold that shit in May and replaced my entire position with VT. Probably my best investment decision of last spring.

HadrianXVI

Hang loose and see, may have missed it, VT and VTI started down but are coming back up. If this drags on and oil/commodity prices spike you’ll probably see a decline, but it was pretty well priced in last Thursday and Friday. But who knows. So much winning

MomentPrestigious180

I full port VT but now it's down -0.8% while the FX rate is up 1.0%. Didn't know I'm naturally hedged against this stuff. Can't even go down lmao.

TreGet234

Everything is better. Has VT ever had a lost decade? Bonds are close to having one right now.

markpreston54

congratulations. there might be several things you want to invest in. 1. your skills/money making machineries, are there tools, courses, hardwares you want to invest in to help you make new gam(es) or DLC, or spending on social media influencer to further capitalize your success? after 1, maybe 2.the standard VT/bond and chill play book in retirement saving account makes sense

MomentPrestigious180

Reminds me of that meme that Squidward is looking through his window blinds watching SpongeBob and Patrick having running outside. That's how SPY is looking at VXUS and VT.

Spl00ky

> will throw off monthly cash to augment salary/retirement, If you knew what you were doing, then you would know this doesn't make sense. You should still focus on total returns and put it all into VT or VTI.

LEAPStoTheTITS

Please just VT and chill until you’re doing better bro.

Key_Lifeguard_8659

Yes, I suppose I should preface every one of my posts with. Hi, not an amateur...have tried nearly every conceivable way of investing, so telling me VT and chill is going to make me wealthy when I'm 90 (60 now). I get it...a lot of you have literally educated yourselves on Reddit, or Bogelheads, being the Ivy League of Reddit... a cult-like following whose credo is---VT alone will guarantee you stay slightly ahead of inflation, despite pullbacks, corrections, bear markets, or even a lost decade. Let me have my fun and invest my way...which has evolved for the better every year.

Acrobatic-Song-3151

Great responses, let’s polish that up a bit.  Did you mean to say VT and chill?

Acrobatic-Song-3151

I was with you till Elon Musk. The only reason Tesla is still high is because he’s figured out pumping and the SEC is essentially non existent. That clown wants space X in the S&P immediately after IPO so he can have more of our passive dollars for investor exit liquidity.  VT, not Voo.

AnkleMuncher64

VT

thewayyoulook2night

Hello all, I've recently made posts on WSB and problemgambler documenting a really bad last few days to cap off years of anxiety and losses from the market. The long story short is that I started "investing" in the GME days and chased big wins (and losses) in form of meme stocks and short term options. After losses, I would pivot strategies (like doing thetagang) but it always led me back to losing on buying 0dte options. I tried quitting a few times but never stuck to it, but I'm determined to stop once and for all. I have lost $160,000 of my initial $240,000, leaving roughly $80,000 left after starting in December 2020. I think know the answer but just could use some reinforcement. I still have a lot of shares of high beta companies on margin. I don't think I can keep monitoring them and thus will need to liquidate them for a loss this week to clear the margin. Once done, put those funds into an ETF like VOO/VTI/VT. I'm also transferring my account finally out of Robinhood into Fidelity. And of course, staying out of WSB for good. I'm aware options exist there but I think a change of scenery will do the mind well. I feel like such a failure. I let my parents know and they were reasonably understanding. I know I'm not in debt but it's shameful what I did to set myself back. Here's what I have left as a 35 year old living in a HCOL city making $94k a year. $80k in taxable, $140k in retirement (luckily I always stayed the course there with VOO and a bit of mag7), $25k in my savings and $50k in company stocks. Thank you.

terrible-investor

hah, I've been holding 40% nuclear 60% VT for about half a year. Looks like your 54% has me beat, may the best investments win!

leaning_on_a_wheel

No one knows. Maybe you’d prefer an all world fund like VT