VT

tawnboy02

Chill, it will be ok. We may enter a brief bear market soon based on technical indicators and just the overall state of the world but it always recovers. VT and chill. Ik it’s anxiety inducing but just set the money and forget it.

DarkVoid42

VT and chill

marima33

As an index - VT (or VXUS if you want EM included). If you want a quality factor ETF - IPKW.

TheShaveStickGuy

VT and CHILL, always and forever

Bossanova12345

I’ll be the first to say VT and chill And the first to say VOO and chill You aren’t going to get many other responses here besides that.

Standard_Panic_5267

Now sell everything and buy VT and call it a day.

propofolxsr

VT and chill right?

Deep90

VT has been doing a lot better than SPY.

zendaddy76

I’m mostly VT with some SCHD and SMH. Down 3-4% from recent highs.

Ancient-Swordfish292

I was all broad US market but moved to VT and chill sometime last year. I never thought the US government would deliberately attempt to weaken the dollar...

StegersaurusMark

OP adjusting long term strategy to be more diversified arguably is arguably good advice: include international/small/large cap, such as VT, or blend in VXUS and other funds. And panicky advice to make drastic sudden changes without a reasoned strategy adjustment is definitely bad advice. SP500 has done phenomenally well for a long time now. However in 2025 I’m pretty sure VXUS outperformed. My understanding is that small caps historically out perform large caps, but the past decade has been the exception to the rule. Do you want to rely on recency bias to overweight US large caps and ignore other markets?

Putrid_Pollution3455

I messed up last April. This time. I'm going to be smart. I'm going to buy every single dip for the rest of the year as we sink into the abyss. I modified my own rule #2 so Instead of using up to 10% margin, I'm just going to force my two chosen assets at a certain dollar amount, hold the line, by deploying USFR. If IBIT and VT sink 50% each, then I will be max deployed. Right now, a huge chunk dunked into IBIT, but this is exciting!

Sad-Teaching30

A broud based index fund that tracks the us market, the international market, and if you are risk adverse or close to using the funds, a total bond fund. VT is an example that covers the full world and BND and BNDX are two of many bond funds.

Czech_Thy_Privilege

I like to VT and chill.

drew-gen-x

I remember 2008. We had talk rumors of a banking crisis, Crude Oil was sky high and everyone was paying over $5 gallon for gasoline even in red neck country. We had $50 Silver too. My best performing stocks were these weird fertilizer stocks and Activizion. I can't remember if Activizion bought Blizzard or other way around. Anyway, there are a lot of similarities right now. Do I expect a similar outcome? Hell no. There is no way in hell the gov't or banking sector will mark to market all their banking loan losses this time around. We will get more stimy checks instead. But we're going lower. This time around I need to stay out of margin and sell all my fertilizer stocks before the crash. And if I'm wrong well at least I bought a World ex US Index & likely $SPY or $VT at a lower price than everyone else has so far this year. Good Luck everyone.

Internal_Field5970

Hey guys VT was ATH early this month, what happened?

drew-gen-x

You can blame me. I just sold all but $20k of $TLT today. I will wait and buy $SGOV at the beginning of April if this bear doesn't get his $VT and $ACWX market crash low to buy : ) Who f\*ck cares about missing this month's $TLT divy payment. I want my cash and I want it now. I'm fine hiding out in cash & soybeans until then.

CamxThexMan3

buy VT and chill then dude, idk what to tell you.

Dynamic_Dreamer

As crazy as this president and administration are, not having *any* US exposure is riskier than just investing in the US. You can't predict how the markets will be or how the US vs. Non-US weights will shift, so just buy the entire market. Either lump sum or DCA over the next 3 months in $VT or an equivalent all-world ETF or mutual fund.

kcamfork

Ergo, VT and chill.

SpellAccomplished541

I’m sure you are right that institutions have hedges. Also that market will go up eventually. I am just staying in VT/VTI through the dip and recovery because I don’t have any insider info (the moves people are talking about already happened).

SpellAccomplished541

He is less risky now I think... I just checked and his top 5 picks are all inside VT (world fund) which I feel is much safer than his 2000 picks. If he had just recommended buying the index then his picks would not have gone to zero and people would have done well (but also he would not have a TV show)

drew-gen-x

I wouldn't unless you want to make a huge change from owning just tech stocks and just move into S&P ETF's and buy $VT (World +US) or $VTUS (world -US) or $SPY.

Electronic_Bee3134

I meant there's no need to do VT alongside VTI+VXUS, though maybe VT for the tax advantaged account for simplicity and VTI+VXUS for taxable account to use the foreign tax credit

Machine8851

Honestly it really doesnt matter, if you plan on investing for the long term, 15 plus years, the returns between 100% VOO and 100% VT will be very similar.

dogs_gt_cats

VXUS+VTI/VOO if you want the foreign tax credit, VT if you don't. Either approach is fine.

junger128

I didn’t mean a combination of all, just pick a combo or VT

Electronic_Bee3134

I'd sooner say VT or VTI+VXUS rather than such a combination. But agreed that holding to an investment strategy that continues whether the market as a whole, or an individual position, goes up, down, or stagnates - is the best approach.

gregenstein

Just buy the market. Buy VT or an S&P500 index or a Total Market Index and an “ex US” index. Don’t overthink it. Like most things early in the product lifecycle, there’s lots of investment and hype. Some jobs will be lost in some sectors while other places will hire or entirely new companies will form. Just bet on the future of the world and either it will work out, or we’ll lol all be screwed.

PatternAgainstUsers

Lots of great points, you have to understand from a retail perspective most of this is psychological. People don't want to do the work, most likely because they find finance boring. Once you take a deeper interest in trading it becomes very clear just how easy it is to outperform the S&P. I'm not saying there isn't some skillset involved and that it's mentally easy to be pivoting all the time, I'm saying that relative to what the Warren Buffets of this world will tell you, it's technically quite easy. The S&P is not some great difficult giant to overcome... otherwise QQQ wouldn't have beaten it the past 10 years, and that's JUST replacing one ETF with another smaller concentrated one that followed a long term technological trend shift. If it IS possible to beat the market ON PURPOSE, over time longer periods of time (short-term there is always a luck component). People don't want you to tell them that. For one I think guys like Buffett (who has beaten the benchmarks himself and knows plenty of people who have also done it using both the same and totally different methods than himself) are cognizant sometimes of their fame and don't want to accidentally inspire any gamblers. Active management is a form of trading, and trading is definitely active management. Anyone can open a brokerage today and lose all their money instantly, so it's dangerous to get into this game without some study and hard knocks. You basically HAVE to fail first in order to win long-term unless you just come into this with the right mindset from your prior life. Otherwise you won't fear the market enough to respect that you need one or more systems of risk management in place and actually execute them. ETF investors are basically trying to go with diversification as their primary form of risk management, this is fine - but it creates drag unless you pick the exact sectors that are outperforming the market and rotate in time to not give up that gap when things change. I think people underestimate what you can do if you commit all your time to this game TBH, especially now - doing research with AI is faster than ever (it's not a genie you still have to know how to use it and when to challenge it). I outperformed the market when I was a newbie investor several years ago for 2 years straight by about 4x over that period holding around 33 positions simply by trying out one of the popular stock picker services for like $75/year and making a few tweaks. Then I stopped to learn to trade, and now I for example have pivoted late last year into more of the commodity/scarcity super-cycle we're entering. VOO is down 0.81%, QQQM down 1%, VT down 1.4%... I'm up 10.20%, and before the war I was up 16%. That's a big drop-off recently but I've been purposely dealing some damage to my returns as well adding some new hedges for different tail-cases. I'm not the world's best trader by any means, my biggest positions aren't any bigger than about 5% of invested net worth and I typically won't put that into a single stock (targeted ETFs usually) unless there are multiple converging narratives (coinbase for example, short-term BTC trade over the next 1-2-3 years depending how this cycle plays out, but long term I want to also hold them for the agentic economy shift as a wallet provider). One of the things people are trying to avoid is volatility, what they don't usually think about is that over any given time-frame in order to outperform, an give asset or basket of assets MUST have increased vol. to outperform. This doesn't mean volatility = good, there are plenty of garbage stocks that IPO, fall off a cliff and die forever after a volatile period... but it does mean you have to learn to use volatility to your advantage if you want to outperform, people see that as scary. Personally I see throwing my life away at a normal job for any longer than I already had previously as a big risk, I think we take a big risk driving our cars every day... so I reframe risk, but traditional education didn't teach us that. It didn't teach us much of anything.

Swimming-Shake5979

VWRA actually makes a lot of sense in your situation. As a non-US investor, US-domiciled ETFs like VTI/VOO/VT can be less tax efficient because of the 30% withholding tax on dividends (and potential US estate tax exposure). Ireland-domiciled UCITS ETFs are usually preferred since they reduce the internal withholding to \~15% and often come in accumulating versions. VWRA (Vanguard FTSE All-World UCITS ETF) is popular for exactly that reason. It gives you global diversification (developed + emerging markets) in a single fund and automatically reinvests dividends, which is helpful if your country taxes dividends heavily. For a simple structure, many non-US investors just do something like: \- 100% VWRA — simplest, fully diversified equity portfolio or \- \~80% VWRA + \~20% global bonds (e.g., a global aggregate bond UCITS ETF) if you want to reduce volatility Given you’re investing $10k upfront and \~$5k/month, consistency will matter much more than trying to optimize with lots of ETFs. A single global ETF is already extremely diversified. The only real consideration is timeline: if the money might be needed closer to 5 years, adding some bonds could help smooth volatility. If it’s closer to 10+ years, an all-equity global ETF like VWRA is very reasonable.

RepentantSororitas

If you are not doing VT and chill you are doing it wrong. Also if you are selling before you retire you are doing it wrong

Ape_Quant

or VT

TheShaveStickGuy

I only buy an individual stock if I think it will be life changing. Like a GOOG or AMZN, etc. Right now I only have one, the rest is in a Global All equity fund, as they say "VT and chill"

SmallCapsOnly

For example, to diversify in tech further buy QQQM(cheaper version of QQQ same package) and pair it with something like COWG now you have two tech funds that are non-correlated because COWG has a different method of tech fund selection. But when people buy QQQ, VT, VTI, VOO they say “great I’m diversified! Well congratulations if you invest $100,000 evenly between those 4 funds you now have $32,000 in the MAG 7 even though the total “funds” in the ETFs top over 10,000 individual companies 32% of the funds are in only 7 of the over 10,000 companies. True diversification is non-correlated asset classes and non-correlated sector funds. Will you end up fine with all your money in those 4 funds? Sure but it’s not as diverse as it could be 🤷🏻‍♂️

salty0waldo

Yeah I never really looked at $ACWX, but it looks to track a different benchmark than $VXUS. Appears $ACWX filters out some of the weeds in small and micro-caps, $VXUS is more of a grab it all. You'll have some overlap in core international holdings in $VT and $ACWX, but that doesn't matter in my opinion so long as your target allocation is met. I have some overlapping holdings and have been rethinking how to simplify, so this was already top of my mind lol.

InvisibleEar

VT and chill

drew-gen-x

TYVM. $VT and $VXUS would be my 50/50 for my non trading account. I might just stay with $ACWX and start $VT for the other 50% then.

salty0waldo

$VT, $VTI, and $VXUS all track different benchmarks $VT is Total Global Stock Market that holds 10,000 stocks, US to international split is like 60/40 at the moment $VTI is Total US Stock Market that holds 3511 stocks mirroring Large, Mid, Small, and Micro $VXUS is Total World Ex-US Stock Market that holds 8691 If you are looking for Total World Ex-US, $VXUS is probably the best as it has Developed + Emerging and casts a pretty wide net. If you are looking for a fund that has US + Developed + Emerging, that would be $VT. $VTI + $VXUS is slightly more diversified, but $VT is considered more simple.

drew-gen-x

I have a very small position in $ACWX but everyone keeps suggesting $VXUS for World ex-US ETF's. Is there really a difference before I start DCA into a World ex-US fund? The other would be the diff b/w $VT and $VTI? I'm looking for more of a split b/w World +US and a World ex-US allocation vs many 50/50 $SPY and $QQQ for my non-trading accounts.

TheDunk67

VTSAX, VT, any similar low cost broad index fund. Everything is on sale, good for anyone still accumulating and anyone at or near retirement should be on a bond glideslope or be flexible enough to ride out any volatility.

dvdmovie1

VT is down 4.3% off the high, which is something that in/of itself shouldn't lead to re-assessing positions. "Curious if its smart to sell now and wait iut rhe volatility of the market." Sell slightly less high, buy after it's back higher again? In any case, 3-5% off the highs in index funds is "price of admission" level volatility in/of itself. 10% down used to be considered a healthy correction now people would treat it like it's armageddon. It's the kind of thing where maybe you buy a little at 5% off the high, buy a little more if it gets to 10% off the high.

humdinger44

What stage of life are you in? Do you have an education? Job you like? Emergency fund? Invest in those things first. They're important. Then, the good news is that successful investing strategy is simple if not easy. Open a vanguard brokerage account and buy [VT](https://investor.vanguard.com/investment-products/etfs/profile/vt) and then continue doing that every month no matter what it's going on in the market or news cycle. Day trading and individual stocks are for suckers who think they know how to game the system. They don't. At least not consistently. VT allows you to have a globally diversified portfolio with a tiny expense ratio. The value of VT won't go up every day but with a time horizon of 20+ years it should provide returns that most people will be envious of. Simple. But not always easy

drew-gen-x

Buy $EWY and $DE next. I have the uncanny superpower to buy market tops. In all seriousness I'm in the process of moving to 20% $TLT, 20% $GLD, 20% $VT, and 20% $ACWX, 20% individual stocks/ETF mix. I was previously 50% $TLT, 25% $GLD, 25% in stocks. This volatility this week has everything out of whack thou & is very messy. I haven't started my 20% goal towards $VT since that cash is currently all over the place and I have all this cash from selling quite a bit of $TLT yesterday.

hankmoody711

As I was reading your reply I was thinking "seems like buying VT may be the better option than VOO" , then you mention VT. I'm leaning that way also.

Pop_Magoot

\> you are likely trading lower gains for lower risk by \[buying some non US index funds\] though. I'd like to mention that I think this is misguided. US valuations (cost of all of a companies shares vs how much money they're making) is very high. Historically across many markets, this has meant that expected returns are lower as valuations return a baseline. In comparison to US stocks, ex-US stocks have very low valuations. So, we'd actually expect higher returns from the ex-US stocks compared to US stocks. This may not always pan out, as valuations in the future may not look like valuations in the past, but this is a big bet. That's not to say that you shouldn't own US stocks. They're the majority of the global market for a reason. And I could have said this same thing 5 years ago, but you would have been very sorry to ignore the US in that time. You should own a mix of US and ex-US stocks, likely in line with their market weights (buy VT and chill). Otherwise, I think the previous comment was very solid.

throwaway1654278358

I hope you don’t mean both VT and VOO…

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.