VT

Intelligent-Crow3812

VT and chill

Newbiewhitekicks

No long term investor cares about 1; 5 years. You need to just be buying VT or VTI/VXUS.

ra__account

I can't beat an NBA pro but I can still beat the average basketball player. I work in tech at a high level with a lot of AI contact. My tech-centric personal fund is 8 years old and has outperformed the market every year but one and is currently 45% higher than VT over the same time period. And that one is only 1% NVidia and 3.5% Broadcom so it wasn't just those two popping. And also has 20% BRK/B which drags it down a bit but that I like for the stability and potential to pop if there is a downturn. My "conservative" fund goes back to 2021 and has consistently outperformed VT the entire time and currently beats it by 15%. When Trump was reelected, I knew it was going to be a shitshow and precious metals would spike and invested in mining companies - I'm 2-6.5x on them in 2.5 years. I'm 10x on several space related companies, ones that are already profitable, not the speculative ones. There's some gambling ones - I'm 8x on Luckin Coffee which I bought during the pandemic but I don't think the fact I put $50 on it for fun is going to feed my early retirement the way NVidia took several years off. Similarly I've got small amounts of money in some very speculative quantum stocks with the expectation that I'll lose it but it entertains me and cost me about what two beers does if I go out. But don't worry, the vast majority of my money is in nice, safe index funds. I'm 11x on NVidia in less than a decade.

New-Combination-1583

This is a good read: https://www.bogleheads.org/blog/portfolio/the-bogleheads-guide-to-investing/ Simple beats complex. Investing isn't hard and it's been described as a "solved problem" - use a low cost index fund and give it a thorough ignoring. VOO is a good choice - you'd probably be better off than 90% of every other investor just using that. You might consider using "VT" instead - it's a total world equity index so you get broader diversification. If you want some good YouTube watching, look up Ben Felix of PWL capital.

FeelTheH8

I started in 2020 and noticed I was lagging the s and p 500 returns a ton stock picking. Ever since then I just went straight VOO/VT/VTI and I've more than doubled my money in less than 6 years.

Oryzae

> SP500 has historically had slightly higher returns. Since VT was established in 2008, SPY's return has been nearly double. > "Slightly higher" is nonsense. Given those two statements together I don’t see how you’re not saying VT is a worse fund. And when comparing fund performance, is it not to decide where to best put your money for future returns?

Flayum

Invest in something with more diversification, like VT. Or even better: VT + BNDW.

Flayum

That's why VT and chill is the way, ideally with some bonds as part of a glide path (per Vanguard research IIRC). But guessing the QQQ bros would prefer to pick their stocks, which is fair and has worked very well in the past decade as tech has become the driver of the economy.

Witn

VT

SnS2500

\> . You said SP500 is a measurably better fund because since VTs inception it has doubled. No I did not. You seem completely confused here. \> That claim doesn’t hold if you normalize for the time period - you’re ignoring the Japan run of the 80s for instance. I did not mention this, but since you did, it would again be idiotic to include Japan in the 80s in any comparison to decide investments now. Soviet communism is gone. China not only has a stock market now but is the second largest market in the world. It would be idiotic to make a comparison to such a different world. You seem to be grasping at absurdities, like wanting to judge US Steel based on its performance in World War 2. If you want to make a decision between VT and VOO today, then look at things today, and prospects of things going forward. What happened in 1876 or 1976 or anytime before the fall of the Soviet Union and the establishment of the Chinese stock markets should make no difference in your judgement, or at least no more than .000000000001% consideration.

Oryzae

Look, all I’m saying is that comparing VT performance since 2008 since the day it has started to the SPY which started in the 50s is a distorted comparison. You said SP500 is a measurably better fund because since VTs inception it has doubled. That claim doesn’t hold if you normalize for the time period - you’re ignoring the Japan run of the 80s for instance.

SnS2500

\> but if you’re looking at historical returns to decide where to put money for future returns No one said that, and it has nothing to do with the point. \> Because you’re basically saying “in the long term, the US gains will be remarkably better than global gains.” I didn't say that. Why are jumping to conclusions? \> I think a better comparison would be to extrapolate VT historically and go back to when SPY started and then do a comparison No, whatever merit the comparison has, the further back you go the more useless it is. Making any investments decision today based on what happened before the fall of communism, you are acting irrationally.

Shoddy_Front_2582

VT and chill

Brewskwondo

There’s nothing wrong with VOO and chill. If you want VT instead then diversify out into that but don’t trigger a taxable event doing so. Frankly you’re over analyzing it. As long as the US is where people want to live, innovate, and start businesses (it still is) then everything is gonna be fine.

Status_Bee_7644

Even if you buy VT, you are still very exposed to the S&P500 because its market caps are so huge relative to the rest of the world. I would say if worried about a crash just allocate 10% of your money risk free short term money market or treasuries and if a crash were to occur you can then rebalance all of that money into stocks at a lower price.

Any-Walk1691

I’ve made more from SPMO in three years than you counting VT’s peanuts in the last decade. What a tremendous waste of a post. 😂

Glass_Performer1174

You should invest in VT or an equivalent. S&P 500 is over concentrated in the largest US only stocks. You want both international and non-large stocks at market cap weight. VT is just like S&P 500 but instead of doing market cap weight for only the 500 biggest US companies, it does market weight cap for every publicly traded company in the world

OSRSkarma

Fake as fuck. Sync with VT and post it if its real. Otherwise ban

stronesthrowaweigh

Keep going. Don’t puss out into VT. More.

Flayum

Why not just VT, BNDW, and a fixed income ladder (eg. TIPS)?

Emotional-Shape-6239

Ok, so why so many words in the rest of your post? If the S&P itself crashes, VOO likely crashes, and thus VT likely crashes in a substantially similar manner....so why was the original post your responded to "generic and terrible" advice? You're still basically saying the same thing.

Infinite-Jelly-3182

Using a VT proxy (global index) until its creation, and then comparing it to the SP500. If someone invested $250/mo and reinvested dividends. The VT portfolio would be $351,000 while the VOO portfolio would be $511,000. VOO beats VT in chill in every long term environment regardless of any economic downturn.

bradleyb5155

Why VT vs VOO? Wouldn’t you prefer VGLT or something to hedge a crash?

SnS2500

It's not cherry picking. It's merely stating the entire history of the fund. \> If anything that just means that VT will do better when the lost decade timing repeats.  No price actions from decades ago means timing will repeat or what will do better in future bad times.

Purple-Commission-24

Move into a total world index like VT r/vtandchill your hedge is that you have a paid off house

Emotional-Shape-6239

The VT to VOO correlation is so high that this is basically irrelevant. If the US economy "crashes", which you have no idea if it will, it will bring all markets down with it. Any big index fund is going to be basically the same unless we're taking very specifically allocated index funds.

we_gotta_believe

You made some fair points up until the end. VT and VOO have tracked similarly over the long-term and your strategy would've netted fewer returns when back-tested for DCA'ing over the 2000-2013 time frame you gave.

__redruM

And once again, buying opportunities for their DCA buys from each paycheck. But my point was that this applies to today’s investors. If they keep buying broad market index funds VOO or VT, and hold from early 30s through to retirement around 65. Rebalancing into bonds/fixed income as they near retirement. They will be fine and make it through the next “Lost Decade”.

ryanv09

Right. OP, If you're really just out here guessing about what to do, consider simply dollar cost averaging into VT or VTI + VXUS instead. You'll likely end up with better lifetime returns.

frackthestupids

Exactly how does a person about to retire (and low income stream at that point) go about DCA? Assuming a 1.5% dividend rate from his 60% VT holdings, they aren’t going to have DCA cash to put in.

Technical_Quiet_5687

I too am in this boat (albeit a bit younger). I often come on here seeking advice as to diversification strategies but man it’s hard either way with all the noise. I’m significantly over exposed to US equities but also feel like international isn’t the better course (maybe this is my lived 2008 experience talking when felt like world was on fire) not terribly interested in more actively managing my portfolio so buying specific asset classes really doesn’t appeal to me.  But it also seems counter intuitive to buy VT when I have so much exposure already to SP500. I at one point was doing 50-50 VOO and VT but moved to VOO since VT is weighted to US anyways. So essentially everything I have in one shape or form (retirement and brokerage) is US weighted.  I wish I was smart enough to understand how to incorporate treasury in. I just need something that’s slightly better than inflation to keep pushing my cash forward while I wait out the risk in my larger portfolio. 

bofoshow51

You understand that you do capture profit when investing in the 13 year period while it’s down right? Like yeah you see no profit if the only time you EVER invested was at the peak in 2000 and that’s it, but if I invested $100 monthly during that whole 13 year period I would have had about $24,500. $16,800 would be principle, so $7,700 would be profit aka about 45% across that time. I do agree though that VT is the superior investment vehicle because the diversity of international markets is a compensated risk.

retiredearlier

Impossible to plan for a crash because no one knows exactly when it comes. No. One. Plow into VT and/or VTI depending on where you like your mix. If the crash comes and you keep your job, enjoy the discounts, you'll kill it the next several years after that. If the crash comes and you lose your job, tighten up like everyone else and avoid selling more than 2 to 4% a year to live off of. Every day someone says a crash is coming but the day after that almost never has a crash. It's just a bunch of days where some are up and some are down. Staying in through the down part (and adding more if you can) until it's up again is how the game is won. Stop thinking of price drops as crashes....it's a discount and there's an entire multi-trillion dollar system that designed it to go up over time. Ride those coattails.

Dirkredblade

I would have at least 15% VXUS or foreign fund- the US has had a huge bull run the last 14ish years , and historically after a run like this, a 10ish year period of underperformance follows. There are also many 10-20 year periods where foreign beats USA . Having said that, I feel a bit Emperor is wearing no clothes, because foreign has been a dog for almost the entire time I’ve been investing since 2007. I just can’t force myself into VT or the 30%ish foreign allocation in the Vanguard target retirement funds, but everyone should probably have some foreign.

daYnyXX

That math of "0 profit" is only true if you put money in at 2000 then didn't ever put any more money in. If you were investing that whole time you come out positive. And inflation adjusted, reinvesting dividends you came out with an ~18% return Jan 2000-Dec 2013. I agree VT is a better option because it's way more diverse, but the point about the S&P is wrong. 

__redruM

So… what asset classes? How did they do in the lost decade? If you’re suggesting VT instead of VOO, I won’t argue the point. Over the long term they’re so correlated that it’s not a huge difference, and both are safe choices. Real Estate was much worse than VOO during that decade though.

IdkAbtAllThat

Did VT not have a very similar return over that time period?

DeutscheMannschaft

OP. I had some of the same thoughts you do. I think what it comes down to is what you believe will happen at the macro-economic level and at the general mechanical level. So the first items I would square away if I were you is what you think the world will look like in 5-10 years. The second question you have to ask yourself is where you think the USD will be in 5-10 years. And the last question you should ask yourself is whether you can identify any parts of your portfolio that feel overconcentrated (aka undue risk). In late 2024, I was invested roughly 80% US and 20% ex-US (all equity). When Trump began his presidential term and I saw the push towards tariffs and hostile language towards allies, I changed this allocation to roughly 50/50. In early 2026, I changed it again to about 25% US and 75% ex-US. The reason I did so is that I believe the following: \- In a big recession, no country will be spared, but I believe the US will be impacted worse than other countries as a whole due to our dependence on AI (in terms of stock market value). \- Our current policies will devalue the dollar (currently only temporarily masked by high oil prices, which are settled in USD). \- Our current policies are driving trade partners and allies away from doing business with us and towards isolating the US. (see yesterday's reception of Carney at the EU and our President's reaction) \- Our current policies are driving trade partners and allies to develop software, services and products that will replace those from the US because there is fear that dependence on private corporate US services and products may be used as a way to blackmail later (i.e. the EU is developing a payment system that will replace VISA and MC, France has banned use of Microsoft products on government equipment, and Germany is manufacturing more arms/weapons rather than to buy US as the EU gears up to have defensive capabilities in case of Russian aggression). \- The US has benefitted from being perceived as "cool" for decades, but that sentiment has shifted drastically as of late, and the future diminished cultural influence will also dampen the ability of US companies to sell internationally. So I looked at all of those factors and decided to go much heavier into funds and ETFs that give me roughly a 75/25 country allocation. Beyond that, I buy the whole market and don't pick stocks. I combine VT, VTMGX, VTPSX, and VFIAX (due to multiple accounts that don't have all funds available) to get me to the allocation I am shooting for. As a result of these moves, my exposure to high-risk tech companies like Tesla, SpaceX, Nvidia, Oracle (Anthropic and OpenAI in the future) is significantly less than if I were invested in the S&P, but I still have some exposure so that I don't miss all the upside if there is any. Obviously, there are other ways to achieve the same objective (like equal weighted funds/ETFs), so you should do your due diligence.

troutdude91

Ok Nostradamus. You sir, have the generic and crap advice. Check VT’s performance in those 13 years you mentioned.

__redruM

Everything correlates to the S&P500, so it is generally “right”. Especially for the lost decade. But Ok, buy VT instead if you want, it’s not wrong, just likely not as good.

Green_Beans_Tasty

And for anyone how was in the middle of their 40 investing years this didn’t matter one bit. For anyone who was just starting this was a blessing. Who (had to) retire(d) into that period was screwed but hopefully had some SORR management in place. You’re kind of contradicting yourself as well. “VT and chill” is the only way but “rightfully worried” don’t fit imho. If you’re pursuing the best available alternative and can’t do anything about the remaining risk, worrying is pointless. Which is what OP (and maybe you as well) needs to internalize to avoid making timing the market mistakes and/or loosing sleep over something they can’t do anything about anyway.

Delmoroth

Maybe switch to some combination of VT and VXUS depending on how much US bias you want? I'm all VT right now, but, VT is still 60 or 70% USA so really having some VXUS makes sense if you're particularly nervous about US equities

Patrick_Atsushi

VT, gold, bond.

daygo449

This is a hard one to answer. I’m not that far behind you in age, so I can relate to the question. First, let me say personal finance is just that, personal. So what any of us say might not be the best advice for you or it might be great advice, but not what you like. I think the first thing you need to define is what you want retirement to look like and when. I know you said you wanted SS to look like play money, but what does your income look like by retirement. Are you going to move as your kids might have kids of their own by then. Do you have a lifestyle you want to maintain, etc.? Once you define those things, you’ll at least have a baseline. As for your what if scenarios, I think it really depends on which one you are talking about. As you said, we’ve both lived through some big ups and some big downs in the market. We’ve been through a few recessions with one being a huge one, we’ve been through a few wars, we have been through a global pandemic, and we’ve lived through a major world changing terrorist attack to name a few events. We’ve also seen the market surge after most of these things to record highs. If you are mainly worried about a market crash or something like that, I’d say the best thing to do would be to spread out investments in the S&P 500. You can look at going to an ETF like VT that moves everything into a giant world stock market. It would go down, but with the world stocks, small/mid-cap stocks, and yes, the large-cap stocks, you probably wouldn’t take as big of a hit and you’d rebound faster than if you completely left the S&P or other index funds. That’s on the riskier side, but I think that or some blend of balancing out those stocks or fund types would give you the same option if you have it. It’s not perfect, but it’s less risky than staying so heavily weighted in the S&P 500. Another option is to move heavily into bonds. This could be corporate or government backed bonds. There is nothing sexy about bonds, but it’s extremely safe compared to the stock market. Another option is buying precious metals. You can look for funds that you could invest in for this. It’s Ridley, but it always does fairly well when the market is down. I’m not sure on percentages to buy here, so you’d have to do some research. Finally, there’s always a money market account. The biggest problem is you need to figure out what it’s insured up to before you throw everything into one account. I think doing any of these will probably get you through a down economy. Now, let’s talk about a really next level event. Global collapse, hyperinflation, or next level event. This is more uncharted territory. You have already paid off all your debts, you have a ton saved, and you are doing better than probably most people that walk this Earth. If this is something that happens once every thousand years or maybe it’s never happened before, it’s hard to say what would happen. Let’s say we maintain order and it’s something similar to the Great Depression. Most people who kept investing and reinvested dividends, most returned to their previous numbers in 4-5 years. Those who sold or pulled out of the market and held cash, it took them around 30 years to come back. Most investments double in 7 years, so if you have $100K, it’s worth $200K in 7 years. It’s not exact science, but it’s pretty sound since the inception of the market. If it were me, with zero debt, a good sized emergency fund of maybe 6 months, then I’d ride it out. I’d try to take side hustles to add to that emergency fund or possibly invest again. But that’s me. If you took a job loss, then go through your emergency fund and look for a job, and if you can’t find one, start harvesting some of your investments to get you through. If it’s a next level, complete collapse of society and the government as we know it, well that’s something else entirely. Now you are talking prepper status, and that’s an entirely different sub to look at. If you are worried about something like that, research the most valuable commodities for something like that. I try to buy coins for such an event, but that’s me. It’s also fractional Penny’s on a dollar kind of thing for me. If it’s me, at your age, I don’t think I’d change much, but that’s me. The economy always recovers in a few years after a downturn. You can look at switching some, a large chunk, or all into something more stable. Just realize, you could miss the rebound, and that could cost you hundreds of thousands to millions depending on all your investments. If you are worried about a next level collapse, then investments might not even be a thing wherever you have your money, so think about that as well. Look to AI and do your research on down economy and major events. What the average recovery is, and how best you can safeguard your investments and you and your family. I don’t think there is a wrong or right answer for anyone because everyone is different with what they want from investments and what their risk tolerance is. That’s why it’s so important to figure out the pros and cons of every decision. Continue to do your research, listen to some good personal finance podcasts to maybe ask them some of these questions, and look at history to maybe help inform your decisions. Sorry, I can’t be more helpful.

One_Talk_3410

I do short swing trades in individual companies with like 1% of my portfolio. The rest is in VT and TDF and 5% allocation to BTC.

604badder

Yeah I didn't get this part too. How's holding the same thing in different funds that hooked the same stocks diversifying? VT and chill.

accwork8723

This is generic and quite honestly crap advice. The SP500 peaked in 2000 then crashed, and didn't recover until 2007, then just a scant one year later in 2008 crashed again and did not recover until 2013. So 2000-2013 you would have made **zero** profit. I don't know how you lead your life but 13 years is a big chunk of a human's life, especially considering you really only contribute to investing 22-65, which is 43 years. So 13 years of fucking zero returns is almost **a third of your entire investing timeline**, which is abysmal. OP is rightly concerned with US outlook. Regardless of where you stand on the political aisle, you don't need to be a genius to realize our government institutions are rotting and unable to respond to major problems we are facing. TL;DR: It's VT and chill not VOO and chill imo. Even then, a declining US will drag the rest of the world down with it for a long time.

jmmv2005

80% single stocks, then some county specific ETF. Right now my YTD performance I am exactly as VT, just more risk, more time wasted, less hair and just causing more costs of transactions.

Sportfreunde

VT

PhoenixProtocol

Then mention that instead of VT.. Anyone with half a brain could’ve suggested that instead, knowing OP is clearly not murican

goodbodha

https://photos.app.goo.gl/i4VT6vnTzdphUtGY6

Crafty-Mess-7406

If you are from latin america, you sould be looking for SPYL instead of VOO, or for VWRA instead of VT. For long term i am all in on VWRA.

mmille24

VT and chill better.

PhoenixProtocol

€ stands for Euro’s, not freedom rupees. VT isn’t a think on Europe, you need a UCITS etf. Please read the post before giving information. 

GlobalVillage30

Ah yes. For sure, I agree. US domination of AI, innovation and shareholder capitalism makes it hard to bet against America! I can look at the share prices of my amazing Chinese stocks to see the difference. VT is an option if you want to avoid single country risk - presumably its risk adjusted returns are comparable to VOO

autumnbreeznleaves

Yawn, I guess I'll buy some more $VT at prices not seen since Aug 3rd.

Peter_shock

Im actually 15, and this would be my fisrt investments, i was thinking buying MSFT if it hits the 370€ price range or buying MU if it hits the 850€ price range…I know that VT is worth it if u think in a long period but i would consider buyin VT only after i turn 17-18

urzrkymn

Are you wanting to gamble or invest? Gable, go with your picks. Invest go with VT.

alpacaMyToothbrush

I was 100% 'VT or bust', but I recently learned that you can save a bit on foreign taxes as a US investor by doing a VTI/VXUS split, which is ironically close to what I have already

RagnarokWolves

If I was going into a coma for 20 years I'd leave my money in VT.

DaemonTargaryen2024

I know, my point is that VT having a higher dividend than VOO doesn't mean it will outperform VOO. Certainly reinvesting dividends is the smart way to invest, though.

Valvador

Dividend payouts lower the Market Cap of the company giving them because they have less money to re-invest in themselves. Overall its a zero-sum game. Dividends also are a taxable event, so you could argue they are less efficient. That being said, VT is still your best choice for full world diversification on stock from a single ETF. I'm personally running VTI + VXUS so that I can manually adjust allocation.

GlobalVillage30

OP asked about VOO vs VT so I think my comment remains correct. If you just want growth (and are willing to take more risk for that growth) buy QQQ, buy robotics, buy quantum, buy vtol, buy drones, buy crypto.

QuanTradin

VT, and the reason is not expected return. It is that a global fund gives you a reference point. The standard case for VOO is that US companies earn worldwide so you are diversified anyway, which is true right up until a decade where it is not, and by then you have nothing to compare against to work out whether you are early or simply wrong. The Ireland domiciled point is probably the bigger lever for you than the index choice, given where you are sitting.

hak8or

>this is not how it works.  I know this isn't the bogglehead community but... Right back at you? VT is a diversification play, and it's one of (if not the) most tried and true method for long term appreciation. Just because a company is at the top in terms of market cap doesn't mean they are most successful or will remain the most successful in the intermediate term. Look at what happened to Japan or even companies like Cisco during the dot Com bubble. VT includes emerging market and developed markets and everything, it's one of the most diversified single investments you can make, heck or even includes real estate via REIT's.

SnS2500

\> SP500 has historically had slightly higher returns. Since VT was established in 2008, SPY's return has been nearly double. "Slightly higher" is total nonsense.

GlobalVillage30

VT also has a higher dividend so if you buy an accumulating/capitalising fund the re-invested dividends help compound your return :-)

pennquaker18

VOO will outperform over time. QQQ will outperform VOO over time. VT will be less volatile

Electrical-Scar9598

That is your view, when us outperform it means it is outperforming intl and em, which you have too, which would be considered losers at a time but you would rather lie to yourself to cope and say "I held the winner so I win", this is not how it works.  Vt has thousands of unprofitable companies, currency risk, geopolitical risks. Those are way higher in EM and youd rather have them all than have an index based on the winners, or the biggest. I got news for you, if a company is one of the biggest of the index, it means it has been winning for a long time and if you believe in VT you should as well short those because you dont want to invest in a basket of higher quality business if you invest in VT. Finally, recommending to someone your very low return strategy with high coping may not fin everyone, especially people who have the slightest idea how the market work and who have no issue outperforming VT in any given 5,10,20 years window.

OptionConcoction

10-Year Annualized Return: VOO has returned roughly 15.4% per year, while VT has averaged about 12.5% per year.

DaemonTargaryen2024

US does not always outperform ex-US, nor vice versa. Who will outperform in the future? I have no clue, so I hedge my bets and just invest in the *entire* world stock market: VT. If the US outperforms: great, I win. If the US declines and say BRICS countries outperform: fine too, because I also win. One more thing: *retirement is a math equation*. Even if US outperforms for the rest of my lifetime, my choice of VT still wins because it will return enough for me to comfortably retire. I don't need to take on any additional risk by choosing between US and global and risk being wrong.

Infamous_Ad8730

Single ETF? VT.

MattieShoes

Open a brokerage account. It's just a specialized bank account that allows you to invest the money in it. Then if you don't have an emergency fund (six months expenses), then shove that much into a money fund. Which money fund depends on which brokerage you use. Like SPAXX (Fidelity), SWVXX (Schwab), VMFXX (Vanguard), whatever. The key here is that it's low risk, something like a savings account. Beyond that, you can invest in whatever you want. But if you don't know anything and you're looking to get your feet wet, a broad ETF is probably what you're looking for. Something like VOO (S&P 500), VTI (total US index), VT (total world index). Be aware that you are taking risks with that money -- if the market drops 50% tomorrow, half your money disappears. But long term, markets tend to go up. You should also consider opening a Roth IRA. It's a brokerage account specifically for retirement funds, so you get some tax benefits for putting money in there but there are restrictions to when you can take money out. Also there are income limits, but ways around those income limits, so it's a whole thing.

Flimsy-Persimmon622

qqq + VT

towngrizzlytown

That's awful, so it's good you realized and asked; now you can get on the right path. Open a Roth IRA at Vanguard or Fidelity and initiate a transfer. After the transfer to Vanguard or Fidelity is complete, sell the American fund within your Vanguard or Fidelity Roth IRA and invest the money however you like (VT + BND or a Target Date Fund). [https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers](https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers) You're familiar with VOO, and here are a few other funds that are commonly referred to: VTI - Total US stock market VXUS - Total International stock market (excluding US) VT- Total World (VTI and VXUS combined conveniently into one fund) BND - Total Bond, although this designation isn't quite as accurate as the total stock market funds are [https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new\_to\_rbogleheads\_read\_this\_first/](https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new_to_rbogleheads_read_this_first/) I recommending perusing r/Bogleheads regularly.

andybmcc

Go to Fidelity and open a Roth IRA.  Setup an automatic investment and buy some reasonable low fee index fund like VT.  See if you can can do a transfer of your current IRA to Fidelity.  Their support can help you out.  You're being fleeced.

bobdevnul

VTI+VXUS or VT is a fully diversified world market portfolio. QQQ is not nearly as diversified. Nobody knows if VTI+VXUS or VT or QQQ will do better for the future because nobody can predict the future. By being less diversified QQQ has more uncompensated risk vs the world market.

Artistic_Data7887

Not a huge difference. If you have current gain in VOO, don’t sell, just keep, and allocate future dollars to VTI. Spice it up and get some VXUS too, or just do one fund like VT.

Wormus

~20%, all in a single holding. Rest in $VT. This is the second time I started a position that was 5% or less and it grew to 20% or more. The first time I started de-risking at 50%. "The whole secret of investment is to find places where it is safe and wise to non-diversify." That is a Charlie Munger quote. He was talking about professional investment, but I strongly believe in that philosophy.

availablegangs

I have ten years clean from drugs but I still remember the moment I refused a beer. It was just a little push but I turned it into a life. You will have huge triumphs that are more monetarily significant but won't be as big a deal as the first win. It's a huge deal and you're headed straight for the big time. Have you answered what you got it in? I'm curious what someone in poverty who can't afford to lose it puts their money in. Me: VT/ Google/ SCHD/ FDVV/PM/BOAT/KO and semis and crypto like an idiot 

TreGet234

I don't think we will ever crash hard again. 1980 to 2000 also didn't have any crazy crashes. At this point even a 50% crash would hardly be a big deal, likely bought back up to ATH within 2 years. A bit of pain but a historical nothingburger. I think 2000 and 2008 were the outliers to have such violent busts so close together. Stock indices as an asset class have matured to a point where they are like housing or gold and mostly impervious to giga crashes barring certain anomalous circumstances. Would i diversify a bit at this point? Probably yeah but at this point the hodl approach will garantee your money only going up. Stocks can't really ever go down again or go truly sideways for decades. Worst case is a choppy upwards grind as overvalued losers get replaced with stronger alternatives. Corporate growth would have to stall to 0 to kill stocks. At that point we would get such severe deflation that gold and property also stagnate. True japanification unless the 0 corporate growth is due to an explosion in wage growth (lol). I think there is a case to be made to just ride out 60% VT 20% Treasuries and 20% gold for all eternity to hit the perfect sweet spot of wealth preservation while maintaining growth. Actually i can think of one more crackpot scenario: What if going forward large caps just suck and to have growth you need a small cap or value tilt? And the second a stock gets big it just dies in terms of growth? If the era of large cap growth winning is over, that would throw index growth for a loop and could cause years of index stagnation until it's digested that large cap just don't grow anymore. Even then i think the indices adjust frightingly fast.

Flayum

Why not just do VT?

autumnbreeznleaves

$VT and chill, bro. Ind stock picking feels too much like gambling to me. Inflation has a lot to do w/ the indices outperforming. 3% avg inflation over 20 years nearly cuts in half your purchasing power. I don't have the exact numbers but I believe $100,000 becomes close to $55,000 after 20 yrs of 3% inflation. And inflation has been closer to 2x higher than 3% since Covid. So saving cash is NOT an option. And then you have to believe the gov't numbers that we were actually below 2% for the years before Covid, which I do not.

MediclePhysicist

Yes, 3k. I would invest both dividends and I would take a small portion of your paycheck every week to start investing alongside starting chunk. Both divs and new investments in VOO or VT until about 90% of your total value is in the ETF

MediclePhysicist

I think at an $1100 value, I would probably let it sit where it is. I would take any dividends and place them in VOO or VT as others have suggested. If it were 110,000 and represented a major chunk of my net worth, I would sell and place into one of those funds.

lizardcrabb

You are buying one share. Just buy a diversified etf like VT or VTI+VXUS. But like others have said, 1-2 years time horizon you should be parking this cash in a high yield savings account

Distinct-Fly-2374

VT and chill

thorn960

Depends on your risk tolerance. I would want some of it more diversified like VT.

atheos42

SGOV should be used as an emergency fund. The foundation of your portfolio should be a very low expense ratio index fund like VT or VTI. I don't like QQQ because of its expense ratio, there are better funds than QQQ, with lower expense ratios.

TreGet234

That thought process makes perfect sense, i'm just worried about sluggish performance. Commodities have turned into a miniscule part of stock indices, so them slowly grinding higher will take many years. And ex-USA historically rarely outperforms the US. For absolute defensive positioning VT is likely less risky but as such the reward is likely also lower unless ex-USA has a generational run.

Groundbreaking-Gap20

My thinking with VT is different. For example, I’m not trying to predict which country, sector or asset class wins the next cycle VT is basically a bet that global capitalism continues to grow and that the winners change over time. If small caps, Europe, China, India or Japan underperform, their weight in the index naturally falls. If Canada, Australia, LatAm or the US outperform, their weight increases. I wouldn’t say you’re necessarily wrong. I’d just say we’re solving different problems. You’re trying to identify the likely winners of the next cycle; I’m trying to avoid having to identify them in advance.

Groundbreaking-Gap20

VT

LaMeraVergaSinPatas

“Value investors” and bogleheads be like just VT and chill bro it’s cool bro this will pass bro

Ambitious-Donut1321

Yes concentration in VT 👍

__redruM

At the very least 100% SGOV, but some portion in index funds really makes sense. SGOV is basically a HYSA without state taxes. VT or VOO, at even 25%, would be safe, as in never go to 0, and would demonstrate what stocks return compared to a HYSA. A good HYSA does 4%, at best. VOO is up 11% this year so far and 16% on the 1 year. That’s 4 times the return for a low risk index fund. Baby boomers and GenX know this trick and how to make generational wealth from index funds.

Helpful-Staff9562

You realise there are more countries in the workd than just the US? Add international, a sinple VT strategy amd go live your life

GaylrdFocker

>I just made my first buy to push one of my holdings... Why do you have multiple holdings if you are using such low amounts. Just put everything into 1 diversified fund like VT or VTI. It will build quicker than spreading it out over multiple funds

GaylrdFocker

VT and QQQM >$250k I'll still put in some stock picks and cash for dip buying. Timing the market usually doesn't work out in your favor. What if it's never this cheap again?

amg-rx7

I’d look for the equivalent of VOO VT or VTI available to you

luckysharms93

VT is your all world index (ie XEQT with way less TSX) and EWC is a US listed TSX index fund so you can just buy VT + EWC