VT

Machine8851

I have VT, AVDV, and also SOXX. AVDV has gained 14.57% this year so yes, the performance speaks for itself and is a great compliment to VT.

Machine8851

I dont agree with adding bonds to VT lol Maybe gold mining. I think SOXX or SOXQ and AVDV compliment VT well.

Machine8851

I have VT as a core which has gained 3.74% this year, I also have 25% in SOXX which has gained 17.77% this year and have 21% in AVDV which has gained 14.57% this year

Emotional-Power-7242

Alright so actual cash in BofA can be whatever you're comfortable with. I keep one month expenses plus enough to pay off whatever I spent on credit cards last month. Whatever it needs to be so that there's no risk of you overdrafting and it doesn't get so low it makes you nervous. After that get any 401k match available to you are work, in full After that pay off all debt above like 5% interest except a mortgage. After that comes savings. You are correct that your HYSA and your Fidelity account are essentially the same thing. Keep whichever you like best. This account has an emergency fund. An emergency fund is typically 3-6 months expenses. This is so if you lose your job or get injured or whatever you have time to figure it out. This can also take care of a major appliance breaking or car repairs or whatever. It's so when the worst happens you are not forced to take on debt. If your position in life is riskier (you have kids, spouse who doesn't work, unstable job situation, etc) you may want to keep as much as a year expenses here or even more. That's personal. You can also keep money here for known upcoming expenses or purchases in the next 5 years such as cars, houses, repairs, weddings, etc. If you go with the Fidelity account SPAXX would be a good place to keep the emergency fund because it doesn't fluctuate and you can get the money immediately. SGOV is a good place to keep everything else. If you live in a state with higher income tax FDLXX is better than SPAXX because it's fully state tax exempt. After that retirement accounts. 401k, Roth IRA, HSA, etc. I do not know the specifics of your pension but will just assume it's interchangeable. Really it's ideal to max these out, and it doesn't make much sense to invest in a taxable account until these are maxed. So contribute what you can. At your age Traditional is probably more tax efficient than Roth. Invest everything in a low fee target retirement date fund, or if you don't want bonds a low fee global index fund such as VT or a VTI/VXUS combo. That T. Rowe retirement date fund has reletively high fees. If it is in an IRA where you can buy anything, find one with lower fees. You want fees around or below ~0.2% ideally. Your entire 401k is currently in a US value fund. It's not the worst thing but you want value and growth, US and international. Diversification. After that comes taxable investments. Currently you are not maxing retirement accounts so I would suggest not having taxable investments. When you invest in tax advantaged accounts you get free money. Probably 20-30% more money depending on your tax rate, for free. So why invest in taxable and take the 20-30% hit? As for what you have in these accounts, there's no need for so many funds. Just buy VT or VTI and VXUS. Retirement date funds are not great in taxable because they generate a lot of dividends.

BillsFanEpsilon

VT

TheGoodBunny

Yeah regular time consuming job so just going to move to VT this year for good and let it ride that way. Played options a lot too and lost a chunk that way as well.

Machine8851

VT is a good fund. VT and AVDV is a good combination as well

azure275

70-30 is basically VT at that point, I would just stick that money in there. The only reason to self manage is if you have strong preferences about the proportion, then you can VTI/VOO + VXUS at whatever ratio you prefer.

azure275

Swapping out of SPY/VOO or whatever S&P 500 into VT or similar funds will provide some international diversification while keeping the core low risk strategry If you want to play at picking stocks I would dedicate a certain portion of your money to that while playing it safe with the bulk of it

No_Giraffe_4647

Half on VT Rest on URNM SMH REMX SETM Wait another several years to double it and enjoy

ctx69-discreet

Pay off all my debt. Would leave me a little over 800k. Buy a monster box of silver, some gold. Probably 500k into VOO, VT or VTI. Keep roughly 50k in a hysa for emergency and keep going to work. But focusing on maxing out 401k since I’d be debt free. Keep at the day to day grind for another 20 years.

Helpful-Staff9562

100% VT and let it compound stress free

LastChans1

I want stability and 1M isn't gonna cut it. I split the 1M into 4 parts and make rolling Treasury ladder with 3 month Treasury bills, with 250k in each. Then I go back to work the next day; I'll figure out what to do with the resulting money that's thrown off from the bills later. Probably just VT and chill.

Detailed23

All in on VT and add as much as possible along the way. You have effectively won the game.

IdioticPrototype

VT. And now I'm retired because that would put me well over my savings goals. Anyone here want to give me $1MM free and clear? Please? 🥹

Heyhayheigh

SGOV for emergency fund. The rest VT. Buy VOO on auto weekly basis for whatever I can afford. Work to increase that until retirement. Sell only when there is something urgent to pay for. Same plan as always.

Salt_Data3707

VT. Retire when I hit my savings goal.

Jdm783R29U3Cwp3d76R9

You go for Developer World or even stuff like VT and that helps with FX quite a bit. You buy hedged bonds to EUR. Also FX averages over long time. It’s bad now for EUR if you need money but I’m accumulating so I’m buying at a big discount now!

Some-Knee2922

I started putting money in VYM on 12-18-25 and it’s up 5.7% I started putting money in VT on 12-18-25 and it’s up 2.26%

supermanprime141

Too Old for VT/Chill? I'm 33, wife is 34. We have about 270k between a 401 and Roth that is in my name. Live in and plan to retire in the US I max out my roth every year. We plan to open a roth for the wife this year and do the same. I was thinking VT and chill with everything but I am curious if you all think we're too old for that.

OxRedOx

I would make a list of more diverse things like DIA, VT, etc and just add them next year. Maybe some in sgov to invest in a downturn

OxRedOx

Check expense ratios and compare the returns on these assets over the last decade to SPY/VOO/VTI on one hand and BND on the other. I personally would be a bit risk averse because I feel like be markets are overvalued but you should invest it soon in diversified ETFs (not just in VOO but also things like VT, DIA, VGK, some bond ETFs, etc) and some portion in a HYSA so you can take money out and put it in while you’re in college.

Rockatansky77

Ego investing would imply that I'm buying to impress. VT VYM FTEC doesn't really stroke my ego.

OxRedOx

I would broaden beyond just the S&P, at least because I don’t think the top 10 holdings in all of those indexes will continue to rise that fast for long. So like VT and DIA and not just SPY

Machine8851

It depends if you can accept average or not. 100% VT is if you can accept average returns if not you could make VT your core holding and add a few satellite positions off of it to boost returns. This is what I do because I'm not willing to accept average and putting everything into one fund is lazy investing.

ajm5006

Keep as much as you plan to put down on a down payment in HYSA or SGOV. In a separate account begin to accumulate a emergency fund (3-6 months living expensez). Once both are funded, invest excess income/savings in an index fund (VT has a good mix of domestic and foreign investments). Consider increasing your 401k contributions above the match and up to the max to alleviate tax burden. Continue maxing out your Roth.

Imallvol7

I honestly have no idea. I'm going to max out my 401k and hsa at work and max out my IRA then I'm going to keep a little in VT/VTI/VXUS and honestly put quite a bit into my HYSA. Getting a 4% return feels great when I have no idea what is going on. I also want a nice cash pile to get in on whatever the next big thing may be. Trumps policies have killed so many jobs. Hospitals are closing. Schools have less funding. Research is dissapearing. From what I'm seeing the is making so many smaller towns less viable overall which makes me want to avoid them for real estate (rents decreasing).  I'm paying attention to cities that I think will continue to thrive like NYC, chicago, San Fran, la, DC, etc for potential get in low opportunities.  I really just don't know. Everything feels so backwards right now. 

InternationalFly1021

I’m 70/30 VT/VGIT for 80% of my portfolio. The rest is in my Roth, which is dedicated to my somethin’ somethin’ - in my case, an asymmetric growth sleeve that makes concentrated bets on convexity plays. It’s up over 10x in 10 years, so I’ll keep it going but reassess the weight as the balance grows.

made_in_bklyn_

I was in your same position (200K and getting 5%) Also saving to buy a house. I told myself, this risk will dictate how my money is spent. I ended up investing in VT and have a 24% return on my money. Glad I made this decision, however, I made it full well understanding that the market could have dipped 30% and I wouldn't be able to get a property anytime soon. I'm OK with either outcome since my current living situation is just fine, and a house would just be a sweet upgrade. If buying a house is 100% your goal, keep it in the HYSA. Otherwise, feel free to risk it, with the understanding that's it's a big risk.

Emotional-Power-7242

No investment guarantees a return except government bonds. German government bonds are paying about 3% right now. Stocks have averaged 8% a year over the last 100 years but there's no guarantee they'll continue to provide that. If you want one ETF buy a low fee global index fund similar to VT. If you want two ETFs you could do ~70% VT and ~30% of a low fee index of German domestic stocks. 5-10 years is not really enough time to invest in equities. Equities are for 30+ year investments. For 5-10 years you really should just buy government bonds. If you buy stocks there is a chance you lose 50% of your money and don't break even for 10 years. Which is fine if you're investing for 30 years but terrible if you're investing for 5 years.

Emotional-Power-7242

Put it all in VT

instatencho

VT is basically the US version of VWCE. I’m in Europe, so UCITS ETFs make more sense for taxes and access. Gold is mainly there for stability, not returns, and NVDA is intentionally a small portion. Thank you for the response!

OxRedOx

Why not VT? Personally I look at the price of gold and nvidia and just don’t see them growing as much in the next ten years as they did in the last. I would go half on VT and half on VTI and just wait, adding a little each month, never selling.

ruwheele

Have you made the best financial decisions in the past especially when it comes to investing? If no, VT and get over your ego.

Delicious-Plastic-44

If you want to add something to VT it should be a diversifier, not more beta. So… bonds, gold, trend

steady_compounder

With 8-10 years to retirement and a pension covering your base, you actually have more room to be a bit aggressive than most people in your situation. The pension is basically your bond allocation. The barbell idea (VT core + FTEC + VYM) makes sense in theory but you're kind of double-dipping on tech since VT already has heavy tech weighting. You'd end up pretty overweight there. If the goal is extra income by retirement, I'd lean more toward the VYM side. Dividend growth compounds nicely over 8-10 years and gives you something tangible to see each quarter. Could do 80/20 VT/VYM and keep it simple. The $142k projection at 9% is reasonable but remember that's nominal. After inflation it's more like 6-7% real return, so maybe $115-125k in today's dollars. Still solid for a supplement to your pension. Biggest thing is just staying consistent with the $8,600/year contributions. The returns will do their thing if you don't panic sell during a downturn.

herring-net

Microsoft is the only one of those in the top ten holdings. The top ten for VT is almost the same as S&P 500, but I do like the TSM exposure. I view the DOW as an inflation hedge and less tech exposure than S&P, but I wouldn’t advocate holding more of it than the S&P. It’s a solid bottom feeder for a portfolio. 

owenmills04

I’m 50% VT, 50% MSFT

padbodh

VT+AVDV you’re welcome

CursedClownz

I do 40%VT and rest of the 60% 10% FTEC 10% SMH 10% AVUV 10% GLD 10% BND

GaylrdFocker

If you want to do it, do it. If you want to VT and chill then just do that.

ATUGA

They are up 3% YTD though... (Assuming they're in VT)

TreGet234

What will be the best performing assets? Gold, VT, real estate, mag 7 again? Or does it not matter too much since everything will rip?

GAV17

Management effort? This is all basically automated now, that's why you have something like VT with 10k stocks inside and an exp ratio of 0.06%.

brooklynschino

Thank you. I love hearing from people already at that age range and what's working for them. It gives me a sense of security that VT bogleheads strategy really is that simple. I appreciate your reply!

Ok-Sheepherder7898

Just VT/VTI

Delicious-Plastic-44

Because there are risk factors out there beyond just equity risk premium. And these additional risk premia are often low coorelation to the equity risk premium. Meaning you can increase risk adjusted returns. Then decide if you want more return for the same risk, or less risk for the same return. The benefit of pure VT and chill is behavioral. Not optimization.

TreGet234

Even beating VT, impressive. Not VXUS though. Or coulda just held gold or micron.

pdhouse

$100,000 is a lot to have in an emergency fund. That’s more than you make in a year. Index funds are relatively safe too. I would keep $20,000 in the HYSA and then invest the rest in VT, VOO, or VTI. Whichever you choose. You’re going to miss out on some insane compounding gains if you just keep it all in a savings account

bofoshow51

If you need the money immediately, like today, keep it in a standard bank account. If you need it in the short term, less than a year, park it in an HYSA to fight off inflation. If you need it in 3-5 years, bonds and CDs can be a better return rate than a HYSA, but the money will be tied up more tightly so that’s a trade-off, a good HYSA rate is still broadly fine. If you can let the money cook for 5+ years, certainly 10+ years, then a brokerage account focused on low cost broad market index fund (VT or VOO/VTI + VXUS) are your bread and butter.

chris_ut

I dont like to own more than 10 stocks. If you are going to own more than that just own VOO or VT.

IronyElSupremo

Can look at it vs the performance Invesco’s KLMT which holds the top 500 large cap global stocks. ACWI (with mid caps) and KLMT have 77% overlap with KLMT having 99% of the stocks that ACWI has. ACWI still has a bit of advantage performance wise. There’s likely tracking, but also the mid-caps will show their own strengths globally (in just the U.S. mid caps now lag the S&P 500 … thought to be temporary btw). ACWI tracks very well but don’t think that’s a long term factor. However, if you look at popular VT at ~ 10,000 stocks and the similar ~4000 stock SPGM, .. SPGM usually does better than VT in most time frames. Think there can be too many small caps.

Judge_Frenzel

VEA or SCHF if you don’t want EM included. VEU if you want EM included at market weight. Even though performance is virtually identical to VXUS I prefer it because it omits small caps. I don’t trust that small caps in EMs are audited and for shareholders to get their fair share. In fact, I don’t think that’s true for large caps either which is why I largely buy VEA aside from a small bit of EM exposure with some VT. I am a big fan of VTI/VEA and would recommend a 60/40 DCA on automatic investment to anyone

DigitalDensity

Could you explain the investment strategy and goal? Especially if this is a multi-decade investment horizon, SCHD and SCHH in particular are strange choice. Dividends should not generally be a focal point of a long term buy and hold strategy. Further, you hold VT, SPYM, and IXUS. In this structure, it looks like you’ve just constructed VT with extra steps and a greater expense ratio than necessary. Now there is actual merit to AVUV. However, to explain this we need to examine something called the five factors. This is something I am not qualified to explain myself and I will link a good video to it below. HOWEVER, in your case and in the nicest way possible, I don’t think YOU even know why you are considering AVUV. https://youtu.be/jKWbW7Wgm0w?si=bEOUZaF8xeW0RF6k The crypto funds… Again, I have to ask why you want these. What are these achieving that you don’t get from stocks? Are these just an attempt at diversification or held for another reason? Also people are talking about bonds bad in reference to your SGOV allocation. They make little sense here considering the high risk profile of the rest of the portfolio. Typically, investments in cash or bonds are used to lower a portfolio’s risk profile. You’re trading returns for safety. Even at a 5% yield, this is not a great decision. This video gets into it here. https://youtu.be/KdzOlRRHOU8?si=XXViK6zbiFVz9pXb Lastly, could you please explain your investment goal and/or how you even got to this set of funds? I would like to know the story here.

1-Dollar-Doge-Coins

We just don’t know what will happen. That’s why I prefer VT. Might limit my upside but it’s about as diversified as you can be.

MilkMySpermCannon

If you truly are a good trader then the small wins will add up over time and fund your long term investments like VT. Throwing even 5% of your portfolio into a 0dte is crazy, but that’s why we’re all here - to watch others try.

Local-Lunch1565

If you want 1 fund, VT is the way to go. If you want to be able to balance your international exposure then consider 2 funds - VTI and VXUX. If you do decide you want an S&P 500 fund as your only holding then consider SPYM as it has a marginally lower ER ratio than VOO (0.02 vs 0.03).

GelatinGhost

Risk was higher and potential reward lower when pe was at 60. Assuming earnings stay on track I can't see valuation staying this low for long. That said if I had a niece/nephew with only $1200 I would tell them to put it in VT and forget about it. Individual stocks are too stressful and not worth worrying about with that little capital. I have 90% or more in index etfs most of the time.

Mysterious_Remote584

VT instead handles the whole world. You don't need to rebalance or pay attention to anything if you just dump into VT in a Roth IRA and call it a day.

Prize-Log6966

VOO is good; VT is the absolute best, at least until mankind becomes an interplanetary species.

Maleficent_Spare3094

S&P is a weighted average. Generally index funds are good long term but if you invest in any index funds in the US. Like 50% of your stuff will be in high market cap tech stocks which can and has been pretty good. But it seems a bit shaky with a large amount of circular financing, weird tax stuff and speculation on a very large AI bubble. So if you want to diversify to other sectors consider stuff like VT VXUS or even just bonds. Or other funds that aren’t majority tech like Dow. But if you’re willing to ride the wave the sp500 is a good representation of the US market and will likely recover in about 2-3 years if there’s a significant down turn after the inevitable AI Bubble.

trix_is_for_kids

Real talk you need to start with a gambling anonymous group, because you’ve been gambling, not trading. Next you need to remove triggers. Block this subreddit and any other stock related sub other than r/bogleheads. Remove Robinhood and any other brokerage apps you have on your phone. Moving forward just invest your money in VOO, VT, and or VTI

PlantainNecessary110

Source: 26 year old machine learning engineer My strategy is simply buying lots of AVGV with a 20 percent SCHD tilt in my Roth, and 50/50 VT/AVGE in my two taxable accounts for a business launch in 3 to 5 years and a retirement bridge in 20 years respectively.  My reasoning for this is I am a big Fama-French believer, and my intuition about AI is lining up. Big tech was/is up as people try and get a piece of the pie, but long term AI gains will be locked in as it is horizontally integrated across industries and small companies' margins jump. 

Cruian

To clarify: VT would replace VOO. If OP wants to keep VOO, VXUS is what you'd pair with it. Essentially VT = VOO + VXF + VXUS combined into one (and VOO + VXF can be combined into VTI)

lee_suggs

Nearly every active stock picker will underperform index funds over the long run. You can be up now in a bull market but it historically has been losing bets with few exceptions. For the general population a buy and hold index funds strategy will be the best for them long term. VT is the standard recommendation to get diversified international exposure. You'll see newer investors settle for SPY or VOO because of name recognition alone vs. any real strategy or intentional tilt. I'd much rather have a fund with a tech tilt than to not hold any exposure. If you avoided tech last year you missed out on one of the best performing asset classes available in the world.

rufio313

This guy is wrong they aren’t remotely the same thing, one tracks the s&p 500 and the other tracks the nasdaq 100 which both make up totally different types of companies, industry concentrations, expense ratios, etc. If I were you I’d try to consolidate everything into a long term, low volatility ETF (or two) that gives you exposure to the entire world economy. VTI + VXUS accomplishes this, or just do VT if you don’t want to have to balance the allocation yourself.

TreGet234

I'm just weighing if gold will outperform VT going forward or not.

E2Hundo

VTI + VXUS = VT. Just invest in VT, ignore stock picking and use the time to build a life you're happy to live in.

C-Dub4

Don't just invest into VOO, this is only US stocks, and you'll want international exposure through VT for a more diversified portfolio

C-Dub4

A 2070 Target Date retirement is going to be your best bet as a "set and forget" investment. At the 2070 date, its going to be at least 90% equities and won't begin to become more conservative for a couple decades I would recommend investing your personal Roth IRA into the 2070 Target date as well, but if you want a more "aggresive" approach, VT is the way to go

Cruian

I wouldn't use a single one of those funds. VOO comes closest, but I tend to prefer total market style over S&P 500 only. On including QQQ(M): Remember this has heavy overlap (over 80% by count) with the S&P 500 or US total market. Look only at the inclusion criteria, not past returns (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. On QQQ(M) and/or SCHD: * My take: https://www.reddit.com/r/Bogleheads/comments/16qosmi/including_qqqm_and_schd_in_a_portfolio/ * As Kashmir79 put it: https://www.reddit.com/r/Bogleheads/comments/16qo9u8/comment/k1ynubb/ * As engineer-investor put it: https://www.reddit.com/r/Bogleheads/comments/16qk8i4/comment/k1y480k/ * As Sea-Promotion8870 and ImaginationGreen3873 put it (read their comments from the entire chain): https://www.reddit.com/r/ETFs/comments/16e6rkb/comment/jzttlzx/ Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust volatility level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds should equal less volatility. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund. Did you happen to get your portfolio from YouTube?

bc_this_is_America

Money is just currently shifting into more value investments that haven't gotten overpriced like tech stocks. This is why diversity is key. My value and foreign ETFs have exploded as the SP500 has fattened out and growth stocks have fallen. This just means people are taking their profits and hedging against a falling dollar and an economy that is widely believed to be softer than the latest data would imply. It would probably be wise to take some of your Mag7 profits and place them into something more aligned with your risk profile. VOO, VT, VXUS, etc...

1-Dollar-Doge-Coins

That's fine. A bit redundant as VOO is already a heavy part of VT, but this works if you are just looking to weight the S&P500 more than what is in VT (which is perfectly valid).

dublaka

VT and VOO is all i got in my roth.. am I doing something right?

Detail4

Buddy I had a job at Applebees and burning case of chlamydia at 27. Now at 46 I have 4 houses and a couple million bucks in stocks. Of course it’s not too late. You’re probably going to be alive at 46. May as well try to not be a poor later. Anything you can save in broad based ETFs like VOO/VT to get a base, do it and never touch it.

1-Dollar-Doge-Coins

I don’t disagree at all, I’m all about VT. But it’s not like VOO is a terrible choice, it just may be sub-optimal in the long run.

TreGet234

Current port: 50% VT, 20% mu, 20% gold, 10% rope

TreGet234

Yes the great age of VT+gold as the optimal portfolio is among us.

mustachechap

The S&P500 is already extremely diversified, it is way more than just 7 companies. I'm all in on VT, but I also think VTI is still a very solid way to go and cherry picking YTD for 2026 doesn't really change that.

Whole-Reserve-4773

Young = no bonds. VT or VOO/VTI + VXUS as your base. Add in anything else you like or believe in. Invest in what you know. I know crypto, tech, software so that’s majority of my holdings. I don’t know oil so I don’t speculate on oil stocks.

zarth109x

VT: +2.3%

TreGet234

VT or Vxus and chill. Plus gold and hysa cash for a sudden crash.

SureAce_

I mean every fund is going to have a limit to how many companies are in it. I guess if you want no restraints then you could look into like VT which is has nearly 10,000 companies it's still dominated by the US very heavily. You'll actually come to realize that no matter what fund you choose, it's basically the top 100 companies hold all the globe. More or less a rhetorical question, really. That tells me you've already been through the financial crisis, the Covid crash, the dot com bubble, the whole entire lost decade, and after 25 years of investing on a switch, the very thing that's been working for you. It just kind of strikes me as if it isn't broke, then why fix it?

dissentmemo

I owned VT all last year and am glad.

Im__drunk_sorry

While I do agree nobody should be chasing all these gains after the fact, I also think there are some gains that can be obtained such as certain Latin American ETFs that have had some pretty great gains over the past year such as MSCI Brazil ETF which is up ~49% since 1 year ago. It's reasonable to invest in certain well-performing index funds as short-term investment (less than 3 years) based on current gains over the past year or so. Although, I do agree that people shouldn't be investing in these stocks with the e expectation they will have the same gains that we've seen over the last year as that isn't reasonable. More moderate gains are possible though. Also, I think MSCI Spain ETF is looking pretty decent as it's up ~61% since 1 year ago, and so short term investment doesn't seem like a bad choice. I do agree that VT is good for all very long-term financial plans though and is where people should invest if they want to be able to invest in something that is low-risk and has decent gains without any real need to look at it ever.

McWhiskey1824

Yes. Invest via a Roth IRA. VOO is great, VT another great option.

Ready_Scratch_1902

imagine selling everything and going full stack into VT and never looking at stocks again

1-Dollar-Doge-Coins

If only you timed it perfectly to sell US equities after a historic rip upwards, to then go and buy Latin America equities. This is why people say VT and chill. Don’t go chasing gains after the fact, hindsight is always 20/20.

DaddyShreds2

I think it's smart for anyone at any age to invest. Voo is the entire USA and is very diversified. We shouldn't go by history but the USA outperforms in the long term so do what you think. If you want the world go VT.

EasyEar0

None of the above. 1. By a global equity ETF like VT. 2. Wait 30+ years. 3. Win.

Emotional-Power-7242

All of these funds have obscenely high fees. Your "friend" is likely charging you an obscenely high management fee as well. He's doing a very good job of making himself rich, but a terrible job of make you rich. You will lose almost half of your growth just to fees if you stay with this guy. Run away fast. Self manage, put your money in a low fee global index fund such as VT, and don't sell till you retire.

RoverV

You don’t need to get into it to just start: 1 - Open a brokerage - you can search Reddit for what people recommend (people don’t like RH but the interface and 24hr acct fit what I do). 2 - Invest any money aside from living needs and emergency fund into a broad market. VT is the easiest works fine. Don’t chase past returns and keep it simple. 3 - You can stop there. Keep adding only what you can afford to see go down, never selling unless you need to, and let it compound over the years. 10% on top of 20% on top of 2% when adding along the way adds up. 4 - Observe price movements of different companies in different sectors and invest in companies/sectors if you’d like. If you know Econ, you should how money moves and why things go up or down. This adds risk and most people don’t beat the market.

Ancient-Swordfish292

Ah, so you're saying there is a positive expected return to high risk trades if the person has enough knowledge about stock picking? Personally, I only do low expense ratio broad index funds (mostly VT or equivalent) and inflation indexed bonds. I think I would lose money trying to pick stocks or engage in high risk leveraged trades.

Delicious_Put_5857

the thing is u arent being like "i dont know wtf im doing" or "i need to learn how to trade" ur just like "please \[worthless dogshit stocks\] bail me out" so you're ngmi. DCA VT and never do another active transaction again.

Ancient-Swordfish292

VT and chill, high savings rate, and megabackdoor Roth.

Ancient-Swordfish292

I'm doing VT and chill with a pretty big emergency fund in I bonds. Bonds have lower expected return. Volatility shouldn't be a big deal if you have a long time horizon and don't sell. From what I've read, keeping cash on the side to buy the dip often has a lower return than just staying invested.

Ancient-Swordfish292

Your friend should VT and chill.

seldom_seen8814

I’m mainly in VT, but I also hold EIS (Israel) simply because I believe in a lot of their tech and pharma innovation. It’s a very tiny portion of my portfolio though.

LeonardoS2

Buy VT and forget about single stocks

squid_game_456

VT