VT

KristyKae-12

My 03 CRV is well over 300K and not rusted out in VT. I replaced it with a 4 year old RAV-4 (2014 bought 2018) with 35K knowing the electrics and other will die before the engine. I hate buying cars so I buy ones that go decades.

TortugaTurtle47

I do VTI and VXUS instead of VT.

FarBack5807

Good day to be a VT investor 😅 I should’ve specified index as in S&P or total world, not Nasdaq

Evaderofdoom

Index funds like VT, invest in the entire market and don't gamble on individual stocks.

w0rlds

Don't listen to them (or the greedy voice inside your head). Get out and drop it into VT. You can spend the rest of your life telling people you beat the stock market and got out alive. Don't listen to these regards.

Successful_Town_759

VT and chill

Ok-Sheepherder7898

I think VT is fine. It really depends on what you think the world will do vs US in the next 30 years. Not very easy to predict! If you really want VOO then you can do 50% VOO 50% VT with future contributions.

hugh2018

I said nothing about drawing income from bonds and that isn't the way my plan works even by the wildest interpretation. The guaranteed floor of social security and annuity isn't lying about being guaranteed. It's guaranteed. The TIPS ETF ladder is also guaranteed (and inflation adjusted). The remainder of my income, on which I don't have to rely to keep the lights on, has to come from whatever asset or combination of assets are holding up well at the time of withdrawal, just like any other person, including you, who has money invested in the market on any level. There are several issues with your comments. First, VTIP and the TIPS ETF ladder are inflation protected by definition, so that hedge is built in to my plan and your analysis of my plan's inflation resilience is way off the mark. VT also combines with those two elements to create a comprehensive inflation defense. The VTIP and TIPS provide a direct, mathematically guaranteed adjustment to unexpected short-term spikes in consumer prices, and the global equity exposure of VT acts as a long-term growth engine capable of outpacing persistent inflation over decades. As you know, I'm weighing the impact of reducing the inflation protection a bit by moving VTIP to a MYGA, but the risk is muted, as the MYGA returns are going to beat most inflation regimes anyway. Second, diversity is not an issue in a growth engine that has VT as its foundation. It literally owns a market-cap-weighted slice of over 10,000 corporate entities operating across both developed and emerging markets in the US and abroad. It's an absolute model of broad diversity. Your portfolio, in contrast, suffers from severe sector and structural concentration, leaving it highly vulnerable to specific economic shocks. By crowding capital into niche closed-end funds, actively managed credit instruments, and derivative-heavy overlay strategies, this mix completely lacks the true global diversification found in a total market index. Third, you're displaying a fundamental misunderstanding of total return versus yield extraction. High-yield dividend funds and derivative-based income strategies do not generate wealth out of thin air; rather, they strip equity value from the underlying assets to distribute it as cash, or they take on highly concentrated credit and structural risks. Over long investment horizons, this creates a profound drag on total return compared to a total market index fund.

Machine8851

I think AVLV is a good hedge if you have riskier funds such as SMH or SOXX, not broad based funds such as VT or VOO.

spacmann

Have the index funds already bought in? Don't they have to wait until SPCX is actually getting added to the indexes? From memory, that's 15 trading days for Nasdaq, and 5 trading days to be included in VT/VTI of Vanguard.

Machine8851

VT is well diversified, but VOO will outperform VT long term as it already has in the past. It really comes down to; do you want more diversification with VT or higher long term returns with VOO. I think most would choose higher returns and choose VOO.

pandadogunited

VT is an index of over 10,000 companies. QQQ has 100. Using raw percents overstates the difference in weighting methodology. QQQ will be weighting SpaceX as having a market cap three times what VT and VTI will, not seven. Either way, all three funds will be forced to buy, not just QQQ, and all three will be adjusting for float.

throwaway-4748329472

It’s all hyper dependent on the individual and their circumstances. Ignoring PE ratios and CAPE and always putting new cash flow into a broad index will work over a long 20+ year time horizon. Life is not the simple, kids happen, people get sick, homes have emergencies. Some people don’t want to have to go through that and watch their porfolio be cut in half at the same time. Other asset classes smooth that volatility. You’re absolutely allowed to change your allocation based on your life situation. At current prices it’s almost guaranteed we will experience a 20%+ drawdown year in equities somewhere in the next 10 years. It’s also almost guaranteed that your CAGR in VTI over 20 years will not be lower than 7%. Not everyone is built to have that 20 year vision when just lost half your net worth. From a purely mathematical standpoint for terminal wealth, you’re right. But also math studies have also shown it’s even MORE efficient to use 2x leverage, over the course of 20+ years you will outgrow the interest you paid for the leverage. But now you have to stomach potentially 70-80% drawdowns, but throughout the entire history of the SP500 it has produced outsized gains vs just SP500 over every 20 year period. Why don’t you do that? Probably because it requires an insane amount of risk tolerance That being said. I agree VTI (or VT) and chill is the strategy 80%+ of people should be using

Axe_Raider

QQQ will be about 0.7% where VT will be around 0.11%. https://www.reddit.com/r/Bogleheads/comments/1tnd5ob/spacex_and_openai_in_major_indexes/ it's surprisingly hard to get a business journalist to give a citation here.

Bob_the_peasant

The top trade on the new WSB app thingy is VT 💀

Ahamadrayasbaboon

Yes, but it is overblown on Reddit by people with an agenda. See breakdown below.  Most 401k providers default to a target date fund. Most of those will have a very small amount of SPCX after inclusion. I think a fraction of a percent. Maybe as low as a few hundredths of a percent. You can look up how Vanguard ones are structured.  QQQ will have an unusually large amount of SPCX, likely single digit percent. But any 401k that offers QQQ will have other funds to choose from, such as: VT/total world: Fraction of a percent.  VTI/total US: Fraction of a percent, maybe up to one or two percent.  SP500: Zero. Probably the most popular in a 401k after target date funds.   US large cap: maybe single digit percent Mid cap: zero Small cap: zero Value blend: zero Growth blend: probably similar to QQQ Govt bond fund: zero.  Foreign equity blend: zero.  My own 401k, through Voya, will have zero.  

Delicious_Put_5857

the "top trade" is VT shares we used to be a subreddit

kepano808

VT is very good, but if you decide to move to VOO then add VXUS. That being said, VT = VOO + VXUS. The difference is that you get to manage the percentage of market mix.

IllllIIlIllIllllIlll

What kind of ass-backward reasoning is that lol. Obviously with VOO you won't underperform the S&P 500 because that's literally the index it tracks. I don't see why that's at all relevant. VT "historically" does not underperform. History did not start in 2010. Historically, VT and SPY have had very similar returns and risk-adjusted returns. [https://i.imgur.com/TnwIXTP.png](https://i.imgur.com/TnwIXTP.png) It's only since 2010 that VOO started overperforming, just like from 1993 to 2001 it was also overperforming, and guess what happened next. The longer VOO overperforms VT, the more likely it is that it will stop overperforming. If VOO was constantly outperforming VT, it would mean that eventually the US stock market would be 99.9% of the world's economy, which will obviously not happen.

Rav_3d

VOO is highly likely to outperform VT over the longer term.

HoneyBadger552

wide exposure. cheap expense ratio. VT is fine. if you want more risk there is always "factor based" investing but thats getting down in the weeds of things

Machine8851

I would go with VOO because at least you'll know you wont underperform the sp500 index. With VT, historically long term it underperformers due to the high percentage of international. The one plus of VT is thats its more diversified but could also mean lower returns.

project3way

I did this for my Roth the first year I started to contribute to it. Just $250/week into VOO. Now I just do it per paycheck instead ( every two weeks) and double the amount but same concept and into VT instead for reasons. It’s boring, but it works.

Beautiful_Benefit319

VT is fine. You have wide exposure which is great. Stay consistent and you will have a very nice nest egg

alzhang8

VT and chill, buy more on the way down

TheJustinG2002

Notice how everyone’s saying VOO? That’s all you need to know. And for some personal sprinkle, add VT and you’re set.

therealjerseytom

What if VT has the higher growth potential over the next decade or so? 🤔

cuddlyviola_7

yow starting at 36 doesnt mean you need to ditch VT for VOO, since total global diversification is still an awesome strategy. so stick with VT for a worry free setup, and only switch to VOO if you want to bet solely on big U.S. tech companies.

mr_brobot__

You could buy something like BRK.B or a value etf but honestly I would just stick with VTI or VT

AceMaxAceMax

VTI/VXUS or VT. The end.

bofoshow51

Starting at 35 is actually the average, and about $1000 a month is a really great start! You should focus first on maxing your retirement accounts, certainly your Roth IRA, before prioritizing a taxable account. You only do taxable after getting all that advantage juice from the other first, or you plan to FIRE and know exactly how much you need in a taxable to tide you over til you can withdraw from retirement accounts. Way way way better to auto set to low cost broad market index funds like VOO. I highly recommend doing a mix of US and International, so VOO/VTI + VXUS, or even simpler just VT. VT and chill on auto is truly the statistically best way to get your money working for you long term. The best time to start was yesterday, the second best time is right now. Congrats, and keep it up!

nupper84

VT so he can learn how investing works. Be a good parent.

spicyhotdishisgreat

Just put everything in VT, most people don’t beat the broad market index funds over lifetime. And VT is as broad as they come.

ChucktheDuckRecruits

VT and never have to worry about anything

Maximus77x

I’d personally just keep going with all VT. Ultimate simplicity. VOO is totally fine too—the important thing is that you’re shoveling in as much as you can.

redditissocoolyoyo

Here is some enlightenment for you. 250 a week, automatically contributed to your investment account. For 30 years (you'll be 65 when you retire) will be about $1.8 million. The key here is make sure it's automated. Auto withdrawn from your bank account and into your brokerage account. Set it and forget it. The only reason to check once every few months is to make sure the automation is still functioning as it should. Ignore all the noise of the markets. If you mess around with it too much, or start to let the corrections make your decisions to withdraw or pause, you'll be fkd. Do VOO, or with SWPPX, do some VT, a few... Doesn't hurt to mix it up. I've done it automatically, for like 20 years or so now, through the great recession, the wars, COVID, etc...just leave it alone to automate.

tang-tw

Voo or VT are both good choices.

zenyogi2025

All Avantis ETFs performed better than VOO recently, especcially with international, so not sure what you mean value is underperforming... Also Value doesn't need to outperform growth. Keeping some portion in value gives stability to the total portfolio, when the mag7 swing wildly. Having 50% value and 50% growth always beats sp500 alone and ride is smoother than only VOO or VT.

magicscientist24

Teach him how to invest the right way and throw it all at VT.

jeussbsisn

Hello everyone I’m 19m and I just maxed out my Roth IRA for the year with some savings. I’m planning on doing a 70/30 split with FXAIX and VT, do you think it would be a better idea to buy in smaller chunks though out the year or all at once right now?

DuckLIT122000

Try to keep some amount of money available as an emergency fund. For better returns on your savings, you can put it into a money market. If you know nothing about investing, I would recommend only using a website instead of getting an app so you don't look at it as often. The goal is long term growth, so no reason to look at it frequently and potentially get scared into selling when the market is down. Like people said, VOO/SPYM/VTI/VT are very safe long term investments. Keep in mind that IRA contributions are limited to your earned income, so if you are not working, you'll have to use a normal brokerage account.

Immediate_Bar3496

Low cost, globally diversified, total market index funds. VT is the one I use. Literally a single ETF portfolio. And I do it not as a beginner but someone with over a decade of investing experience and active research.

Kitchen_Steak8218

Let's go all in then. What other stocks with VOO? VT?

yeeticusdeletus

I need some advice/reassurance I guess? I’ve started the whole investing journey about a month ago now. Had the expected happiness when it went yo, and the absolute depression when it went down. Now, I’ve been reading up a bit more and want to learn. I’m currently 90% S&P (VOO) and 10% Nasdaq (QQQ). I’m non US and non EU. Should i bother changing from VOO to VUAA for my next round of buying? Or is the difference marginal enough? Also, should I go for more of a 70/30 split US/International? If so, VT?

vertigo88

Reddit has predicted 700 of the last 3 crashes. A broken clock is right twice a day. Ignore the noise and just buy VT.

NoAssumptionCat

Pick the ones which have a loss and sell those, will offset some of your gains. Eventually you don’t want to have all this money in 1 company so diversify in something you belief in (VT, QQQ, …).

TreGet234

Gold, bonds, VT to reduce beta. And some tbills.

Ahamadrayasbaboon

Buy VT and SGOV, delete apps (reddit and brokerage), go on vacation, get laid, go skydiving, ride motorcycles, hit gym, reinstall app in a month, start fucking around in another month if you still want to. 

Mr_Baloon_hands

That’s a great start. Add some VOO or VUG mixed in with VT. Single stocks can be very profitable but can also lose you a lot. Index funds are a lot less risky and it’s hard to beat them in the long run. At 22 you need to be thinking 40 year return not 1 year or 2 year.

PsychedelicConvict

A total world index fund. With both usa and international exposure. VT (vanguard total world stock etc) literally has all the exposure you need. You dont need to sell if you dont want to. Just start building a new position. Dont worry about bonds or fixed income until ur close to retirement. One of my biggest mistakes investing has been not taking profit. Great work!

OxRedOx

Long term index funds, don’t worry about timing. If you can’t stop worrying then invest it in chunks but in the same things ( VTI, VT, DIA, QQQ, VTWO). If you might need some of it in the next year or two then put that amount in SGOV or BOXX because those are fixed gains with no volatility. Don’t worry about a crash imo, it could fall 10% and it would likely be a wash in two years, especially when you consider that the crash could take another year.

RL056

Yeah, this is the most obvious and risk-managed take. My question would be why not Nasdaq given it outperformed VT/S&P for long stretches (10y+)?

-ReasonableDoubt

Looks like you're seeking alpha Aside from the gold and silver, most of this won't provide enough alpha to make it worth the risk vs going all SP500/VT SP500/VT will largely move together in the short term with dollar weakening vs other currencies, but long term ex-US exposure provides asset diversity that somewhat hedges a weakening dollar Consider keeping your retirement focused on diversifying asset exposure generally -- primarily stocks and home equity, with some cash, gold, cash alternatives When you go for alpha, keep it limited to 2-3% of your portfolio and (ideally) never sell it... e.g. bought $2000 of Apple in 1999 based on hunch that personal computing would go from niche hobby to global standard

zachmoe

Honestly, probably better than most, you at least got some gold exposure, and even international. Can probably just roll the equities into VT like the other commenter suggested and it would be less messy. My critique is you need a whole lot more FRNs and a small amount of long dated bonds, and a small amount of bitcoin.

Laakhesis

My take is buy $VT and sleep like a baby because you ain't no Warren Buffett.

PoopyisSmelly

Which is why owning VOO, VTI, or VT is a good decision. Youll own about 60% growth anyway, and if value does better you are benefitting from that.

sabedo

This is true They talk about S&P 500 VOO like it's the Bible when it's clear America is falling to pieces I prefer total market funds like VT or AOA

jaydee288

VT\*

brimbopolous

I didn't say my first priority is to never lose any money, which, btw I'm also losing due to opportunity cost when holding cash. What I'm saying is that protecting against permanent loss of capital is more important for me than maximizing gains. So I'll often accept to lose out on some potential short term gains to adopt a more defensive posture, especially when my perception of risk is higher. You make money long term not only by maximizing gains, but also by minimizing losses. There is a range of investment strategies that goes from more agressive to more defensive. Not everything is VT and chill lmao

Informal-Lime6396

Is it not already taxed? If you have a long investing horizon, consider doing sector ETFs on what's hot for the past few years e.g. tech and semiconductors. Once their cycle is over, it's tax free to sell and switch to another fund. I really dislike the bad advice of VOO/VT and chill for people who are decades away from using it.

TechnicalSleep7501

As a millionaire I will say keep $100K as emergency fund/dry powder. Max out Roth with 100% VT. Use Jack Bogle 3 fund portfolio for brokerage and dollar cost average.

BeuTaude588

worth being clear about the comparison the other commenter made; a target date fund underperforming VOO over five years is mostly the bonds and international it holds by design, not a flaw. youre paying a small return drag in exchange for never having to make a decision or rebalance, which for a hands-off IRA is a fair trade. if you genuinely want all equities thats a different choice, but then the honest comparison is VT, not a dated fund.

ZenBoyNothingHead

I was in a similar situation a few years ago. I think you have a few safe options to consider. 1. As advised above, get an advisor. I used schwab because it was relatively cheap to get a human advisor. They constructed a balanced portfolio based in my goals and had quarterly calls with me to explain what moves they're making. What I LOVED about this is it gave me a human to ask a million questions to so I could understand their approach. After the first year of questions and research, I started doing this on my own and saved the management fee. It's not too expensive though so highly recommended as a good way to start. 2. Robo investing accounts. Super easy to get started. Put your money in, it buys a balanced portfolio. I also tested this with schwab around the same time and honestly, it's performed pretty close to my whole strategy. It takes a slightly more conservative approach than I personally do, but returns have been good for me. It's also 100% set it and forget it. Fees it's of course cheaper than a human. Schwab makes money by keeping a portion of your portfolio in cash (5-8% I think). Then they make money by putting that in money market accounts. So you don't pay, but a portion of your portfolio doesn't make additional money. Fair enough in my view. 3. The lowest cost option is VT. Vanguard total world. Buy it and close your eyes. But, do keep in mind this is still an equity position, although a very diversified one. Depending when you might need the money, if the market goes down the next two years, it might hurt you to withdraw from this. So that's how I'd think about this. Congrats and also I'm sorry to hear about your inherence. It can be a tough and confusing time. Good luck on the journey you're embarking on. I remember feeling very overwhelmed and intimidated to do all of this at this time of life. There are good options though and it'll get easy eventually. Then it'll get fun. Promise.

Flayum

Why VOO instead of VTI or VT?

TreGet234

Honestly 5% on bonds ain't so bad. VT hasn't done too swimmingly and i would love to see how poor performance actually is if we remove tech.

GelatinGhost

True Bogleheads with VT or VTI are fine. Unfortunately I fucked up by having a good amount of qqqm in a taxable account and I can't easily change it now.

dumblehead

Or VT

GaylrdFocker

>My portfolio only has VOO but I would love to add growth/value stocks in the future. What deters me are the classic stats of no one beats the index funds So keep doing index funds. Use VTI instead of VOO to add small/mid cap and VXUS for international. Or keep VOO and add VT for everything in 1 fund. The VOO you have will just mean you're slightly overweight on Large Cap but that's not a big deal.

fozzy71

>Is 5% SOXQ + 5% VGT too much overlap? [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) >Is 15% AVUV too much for small-cap value? I hold 5% AVUV myself, but I have a lot of other small satellite tilts for growth, momentum, value, etc for the US beyond my 50-55% US core. >Is 20% VXUS enough international? I target 25% exUS. If you look at VT for market-weight, US:exUS is currently about 59:41 - [https://etfdb.com/etf/VT/#charts](https://etfdb.com/etf/VT/#charts)

protostar71

My MSFT holdings is whatever proportion of VT it is.

churchill5

I believe it’s just going to be around a tenth of a percent (0.1%) of VT, so while being annoyed it’s being fast tracked, it’s not that big of a deal and nothing I can do anyway.

drew-gen-x

It looks like we are gonna retest Thursday's 6/4 close in the $SOXX and $VXUS. Since I am neither bullish or bearish and I BTD pretty heavily this week I am closing my $EWY position. $199 is a nice round number and it's become a 3x directional move of my largest position $VXUS. I'll DCA the gains into $VXUS and $VT over the next week or 2. There's too much volatility right now for me to be leveraged.

morganrbvn

Just buy VOO and VT when you can, ignore the market.

East_East44

I mean that’s the best, can still have a small allocation of individual. VOO or VT if you want international too

Comfortable_Goal9110

Can I just get one major pump of RKLB and SPY so I can get out of "investing" and back to VT and chill

blackgenz2002kid

I invest in 50% QLD/TQQQ, 40% VT, 10% SGOV for spare cash, and call it a day tbh

Humble-Procedure-134

What is VT?

blorg

If you "don’t think US will out perform international in the long run" why not consider all in on VT? It's slightly more international (38%) and slightly less US (62%) but it's a big step up in simplicity IMO, and will rebalance itself automatically. You do lose the foreign tax credit you would otherwise get with VXUS but this is a tiny amount of money.

Beautiful_Benefit319

You want a low cost weighted total market index fund. VTI or VTSAX. if you want US equities plus international exposure, use VT. These provide wide diversification and it’s very difficult to beat these index funds with your own basket of individual stocks

Salt_Data3707

100% VT and chill. This is way too complicated

Aevaris_

Depends on the index you use. The S&P itself, no, not until 1 year or 4 profitable quarters. VTI and VT, yes, it will be included. VOO will not include it.

First-Finger4664

Liquidity outflows are going to make everything cheaper in the short term. If you don’t want to play in the US stock market right now, then ex-US stocks, bonds, real estate, and commodities (gold etc) are what’s left. Or honestly go the Boglehead route with VT/VTI and just say fuck you I’ll own it all and ensure I get a taste of whatever gets pumped.

InvestingNerd2020

Here are a few popular ones (Different entry dates): - VT. Total world ETF. - VTI, SCHB, and ITOT. All total usa stock ETFs. - QQQ and QQQM. - SCHX. Large cap 700 ETF.

theblindness

Just a small update, the author recently made a blog post about the current recommendation being `VT` which is the global version that includes some International exposure. So now there are even fewer letters to remember. VT and chill.

MelonBeefChop

More than half the port in VT eventually works out

drew-gen-x

Agreed. I am long even thou I'm not that bullish. You pointed out that $VXUS is mirroring the $SOXX trade so I guess I'm all in now on this AI circle jerk bubble w/o really realizing it. I can convince myself that buying mostly $VXUS, $VT, and $GLD are better uses of money than sitting in cash; but I am done with individual stocks in this casino. It's gonna pop eventually or we will have bigger problems w/ the USD & economy than caring how our stock positions are doing.

tang-tw

For your brokerage, you can choose IBKR (Interactive Brokers), which excellently serves international clients. For ETFs, you can opt for VT for global market exposure, invest in VOO, or give priority to SPYM. Like VOO, SPYM tracks the S&P 500 but features a lower share price and a cheaper management fee. Alternatively, you can enable UK stock trading on IBKR to buy London-listed ETFs. For instance, VWRA tracks the global market, and VUAA tracks the S&P 500. Both are accumulating ETFs—meaning they don't pay out dividends but automatically reinvest them to maximize the compounding effect. This approach saves you a significant amount in taxes. For one, the dividend withholding tax sent to the US government is reduced to just 15%. Furthermore, because these ETFs are domiciled in Ireland, they are exempt from US estate tax. To put that into perspective, the US only grants a $60,000 estate tax exemption to non-US citizens. Anything over $60,000 is hit with a massive 40% tax. For example, on a $1 million portfolio, the US government would take $400,000, leaving your family with only $600,000. On top of that, your home country might levy its own estate tax depending on your local tax laws. Therefore, investing in Irish-domiciled ETFs is your best bet. However, keep in mind that IBKR is virtually the only US brokerage available to foreigners that allows access to the UK market. Other US brokers only let you buy US-listed stocks, leaving you vulnerable to the 30% US dividend tax and the 40% estate tax.

Delicious-Plastic-44

Well value investing won’t give you the dopamine you are looking for. It’s a lifetime commitment thing. For what you want I suggest momentum investing. Strong factor. Lots of dopamine. Likely outperforms VT and chill by a few % per year

flappysack-

It took 17 years in inflation adjusted terms to break even if you invested in QQQ before the dotcom crash.  It took 2.6x the time to recovery vs VT and it fell about the same times further in value.

Hoosier2016

This portfolio is going to trail VT from now to the next 10 years I’d bet almost anything.

MeanLocalFriends

First, you said it all in your op. Down is good!  95% of your savings should be boggle head style. VT and chill. VTI or VOO or fine too. Whatever it hardly matters.   DCA.  Own some real estate  Allocation: /10? 80/20? 70/30? Up to you and how far along you are. Then have a 5% account to feed the degen goblin WSB style.  I dont regret any of it. Have fun and enjoy the process.  

ScytheBuster452

It’s a decent start, but keep the core simple (mostly VT or VTI/VXUS) and only add small side bets if you can hold them for years.

ethereal3xp

You might get better answers in r/ETFs. Imo If I was 21 again. I would invest in two or three ETFs and call it a day. 1. Pick one that pays out dividends. Reinvest the dividend back into the ETF. Or divert the dividend payout - to a growth ETF. 2. Pick an equal weighted semiconductor etf like XSD 3. Pick WLDU which is a 2x version of VT. My suggestion is more aggressive and volatile. So it may not suit your need. Overall 1. Managing your psychology and expectations. 2. Commited to holding and growing your core holdings long-term. Goodluck

ESSolberg

Couple of points come to mind. 1. Expense ratio: VT is 0.06%, AVUV is 0.25%, NTSI is 0.26%. The higher this, is the bigger the drag on your portfolio over time. Vanguard is often the top choice for low cost. 2. Diversification: I’m not familiar with all these ETFs, but worth checking the underlying overlap if diversification is your goal. This might be better achieved with 3-4 ETFs rather than 8. It’s great you are starting early.

DampCoat

You may need some VT/VTI/VOO and chill in your life

Midlycruising22

VT or VOO are better options than tbils

ACiD_80

$VT

ATPsynthase12

Do you know how leverage works? X2 up also means x2 down if the stock moves in the wrong direction. So unless you want to run the risk of eating x2 the loss every time the market has a downturn I wouldn’t trade on leverage. Also, don’t trade futures bro. There are tons of hilarious horror stories of morons at r/wallstreetbets trading futures and getting screwed. I read one this morning where a guy was trading cattle futures and missed his contract sale deadline and now has to take delivery of several hundred heads of cattle. The spy, small cap value, gold and t bills are all just a more complicated way to cover the whole market which you are already doing with VT. If it’s too good to be true, it probably is.

drew-gen-x

That's why I have been firing off my dry powder on $VT, $VXUS, and $GLD when they hit their 200 DMA. Gold just went below its 200 DMA this week so I BTD there. I trade more than I should but my core positions are the entire world stock market & gold with 6 months of emergency cash. Rome didn't fall due to a lack of money printing. It had more to do w/ not being able to feed its population with coins that no longer had any silver in them.

8--2

All of this can be true. The problem is that we've been hearing shit like this for the better part of a decade now and line still go up. Ultimately the only path forward is to be brutally honest about your personal risk tolerance and invest accordingly. Massive down turns, crashes, just trading sideways for an extended period of time, are all very realistic future scenarios. A good investment strategy accounts for and can weather all of those things happening. For me, that means I have 99% of my investments setup as a flavor of VT and chill (with automatic re-allocations towards bonds as I get older). I don't even touch them, I just make sure my automatic contributions are being deducted every paycheck. That last 1% I fuck around with in RobinHood. I have very strict deposit limits and routinely harvest gains when that position gets too large (thanks nearly 20 year long bull market).