VT

Random_Name532890

VT

SecondSt4ge

Voo and VXUS or just buy VT. You could do just VT and when there’s dips in QQQ buy that or QQQM. Vanguard total stock (VT) has a mix of US stocks and some international stocks like Taiwan semiconductor.

SecondSt4ge

What about just buying VT?

goldenshowers68

I’ve been dollar-cost averaging. I bought more this week. I sold the Micron I had before the crash (MU went from $250 —> $205 per share), and I invested the proceeds in VT, VBR, and SPSM.

Putrid_Pollution3455

I've been waiting to do this, you activated my trap card! Rule #2: "When USFR > VT, rebalance by moving 33% of the difference (USFR − VT) into VT and the same amount into Corn.”

MaybeTheDoctor

You may want to look at vanguards target date requirement funds - like for you something for 2055 - they manage the investment in the VOO, VT, etc and then slowly migrate into bonds and the like as you near retirement age

FourScoreAndSept

Berkshire, DCA into VT, and GLD

chadmcchad15

VT all world 

DuckLIT122000

In that case VOO or VT are both solid set it and forget it options

Interesting-Foot2880

Greta thing I'm not one of them!! VT has an average P/E of 23 after all.

maicii

VT, everyone saying American etf here are suggesting a worse option

Radiant-Ad-9753

There's two popular combos with the vanilla club VXUS+VTI Or just VT VTI covers the total US, VXUS is outside the US (there's something about a tax deduction in brokerage accounts, never looked into it) It's usually done as a 70/30 combo I'm in the 100% VT camp. One and done VT covers the S&P 500 (you can look at their page, their top holdings are heavy into it) but it covers the FTSE Global All Cap Index. You are getting 37% of your allocation outside of the US with that ticker. There's no wrong way to do it.

MBlaizze

I just sold my bonds and went 100% stock (VOO,VT,QQQ). I’m tired of trying to time the market, and I will hold all stock until I die.

Pin-Last

Fair enough, but over the *last* 15-20 years the Nasdaq decimates VOO & VT. Just obliterates em.  Compromise: buy a lil SMH. 

Unfair_Explanation53

I have VOO, VT, Gold and a Silver ETF, NVDA and Goog which is the bulk of my Portfolio. Majority in VOO. These are what I hope will be a good foundation. Palantir I would say is medium to high Risk. My speculative ones are Rocket Lab, MVST and BMNR. Think I'll ride these ones out, If they go to zero its sad but they are my gamble speculative stocks. Also 10% in BTC and ETH

SpellAccomplished541

Actually, the buy tweet came when VT was at 112 (market 30-40% lower than now) and provided insider info right before he TACO'd the tariffs. I too thought he would have some crazy plan in his back pocket, but I'm starting to worry he shot his best shots already, I mean what more can he do besides: \- already took back the tarifs (not all but he proved TACO so market has it priced in) \- already caved on the trade war he started with china so no leverage internationally \- His recent actions seem even more desperate:

Interesting-Sink-284

For 5 years you are gambling a bit but stats show chances are market will be higher in 5 years are 85% Anything over 10y is solid and doesn’t carry much risk. Here is my quick guide how to navigate markets backed by facts and stats NOT feelings. If you are in US Open Roth IRA ASAP and try to max out (7K/Year). Roth IRA you are NOT taxed on capital gains! If not in US figure out if you have any tax advantage accounts. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market). As long as world economy keeps growing and fiat currencies keep loosing purchasing power (inflation) VT will go up forever. If you can handle risk add some QQQ for tech exposure. Tech has had largest gains over last 10y and doesn’t look like that is changing. US is building out entire tech infrastructure for the west. Low risk: 100% VT (global market) Med risk: 80/20 VT/QQQ (global market & tech) High risk: 50/50 VT/QQQ (global market & tech) Pick whatever fits your risk. Low risk portfolio can drop historically 40% and high risk 60%. Statistically they always have recovered. Open broker account fidelity (or IBRK) good in US be sure to pick Roth IRA when opening. Search for ticker VT in broker app. Select number of shares and market order. Confirm order and you own ETF. Buy always and plan to hold min 10Y. Statistically trying to time market never works. Never panic sell unless 10Y hold mark is reached. Drawdowns are normal and part of investing. Side note: Statistics show short term trading will always loose you money. 95% of short term traders loose. >93% of hedge funds (short term trading experts) don’t beat VT over 10y. Investing isn’t hard people just like to make it difficult.

SmallCapsOnly

Oh yeah, I forgot where I was. r/stocks is more dramatic than this place about their $VT 401ks at age 30 lmao 😂

whomakesthetendies

VT?

Triedtoshort

Is there a reason VT spiked up after hours?

Solid_Writer1072

Just buy VOO or VT you little piece of shit, stop wasting money gambling

James___G

There's not such thing as free money, investing in the broadest possible equity index (S&P500/VT) is, over any 10yr+ investment period the highest expected return asset category available. Crypto is zero-sum, there isn't a productive company supporting the value in the asset, it's just worth what the next speculator is willing to pay.

Fun_Presentation_215

My VT is -2.75% for the last month, so tired of winning.

AwarenessAble6145

Hello everyone, here is my portfolio. Would love to hear your opinions about it. || || |**Stock**|**Exposure %**| |VT|42.24%| |CHDVD (iShares Swiss Dividend ETF)|15.50%| |HIMS|9.34%| |AFRM|3.41%| |META|3.10%| |SE|1.98%| |SWX:ZGLD (Physical Gold ETF)|1.54%| |AMZN|1.39%| |ROKU|1.22%| |MNDY|1.16%| |UPST|0.59%| |IREN|0.30%| |Cash|18.22%|

Relevant-Flatworm926

doing exactly this. im considering VT over VTI tbh

Brockooly

Yes I buy the same 3 stocks every 2 weeks, currently holding VT, QQQM, AMZN and then my traditional IRA is VOO and VXUS, if I could add more I’d DCA GOOG into my portfolio as well. I choose Amazon because i feel the stock is still undervalued so I felt more comfortable throwing more money at AMZN than GOOG when I started

iamrealz

VT is as big as it gets for stocks!

NetZeroSun

"It depends" but mostly avoid real estate. Had rentals. If you got in early when cost of entry was 'lower' (low interest rates and house did not appreciate as much at the time). But you either must now be local to the property to manage it, or give up a month of rent (not profit, but income) for someone to manage it for you (but you still pay for repairs and costs anyways). Lets just hope you are not in a pro renter state if they decide to squat / unable to make payment and decide to stay. Then lets not talk about if you decide you get a toxic renter that decides to trash the place which wipes tons of profit for repairs. Lets not count court fees, if you might violate any rules unintentionally and the time it takes for the legal system to run its course. Oh and good luck in any claims against the renter. Hopefully you got in early...and its appreciated...which in current market you wont want to sell but maybe good for long term if you are willing to hang on to it. Now if you can get a hot property in a high demand area...sure. And you likely will pay pretty high to get it too. Or I can invest into stocks and can liquidate anytime, part of it, or all of it. And as long I don't yolo into something like yieldmax and just go even with VOO/VT, I feel less risk in that...than chancing on a bad renter.

SavageDuckling

10k into NVDA at 3pm. 11k out just now. I’ll take a free 1k, obviously it would demolish earnings. I’m not sure it will hold long term though, bubble is still here baby. VT and chill

GaylrdFocker

>I’m trying to not manage 20+ different individual stock Index funds. VOO has 500 stocks, VTI has like 3,000, VT has like 10,000. Individual stocks should be no more than 5-10% of your portfolio, if any at all.

TactiTard2011

Either a top secret mission overseas where you need an alias… or prison. Either way! VT and chill.

TestingLifeThrow1z

Why is my VT holding acting like a meme stock.

dooknuckduster

VT, VT, VT (for all 3 timelines)

Admirable-Sea-8100

DCA and buy bonds and VT (or something close to VT with a sector tilt based on what risks you're personally more exposed to) is the right advice for almost everyone, though. Anyone who that advice doesn't apply to isn't going to be asking for advice on Reddit and anyone who needs to ask for advice on Reddit absolutely should not be doing anything more exciting than that.

SirGlass

I mean other people have complained we talk about nothing except buying index funds for the long term. If people complain this sub is too boring and just VT and chill and others are complaining about too much talk about trading we probably have a good balance

HOMO_FOMO_69

I'd say that is a fine approach. However, I will note that $SPY and $VOO are actually basically the same thing (both hold the same underlying companies) so I'd recommend just choosing one of those two just to keep things organized/consolidated. $VOO charges a lower fee, but a lot of people choose $SPY because it has more volume (so a tighter bid-ask spread). If you're planning on holding for a long time $VOO is the better choice. I'd go with 50% $VOO, 20% VT, 20% $VTI, 10% $EEM.

BullishDaily

I went aggressive on single stock/options with meme stocks. The gains were incredible and so were the losses. Cut my gains now that I need the liquid for something, made serious $$$ in a matter of moments. No regrets except that it didn't print even more lol The rest is boring and in VT or professionally managed

therealjerseytom

If you were saving for a down payment on a house in a brokerage account, wanting to buy within 5 years, you'd be 100% VT?

Apex-Editor

VT. I don't actually have VT because I wanted to customize it a bit, but if I could only have one, it'd be that.

Dankomycin

I'm assuming this was about brokerage since we are talking ETFs. My retirement funds would be more conservative. My brokerage would still be VT when I start retirement

sombreboi

The point of this post to see what would the majority invest in depending on the timeline. Data show for example.the power of the magic number "20years" w/ broad ETFs like VOO or VT. but what about 10y or 5y. Didn't meen to limit but was searching options for shorter term investments

xx123234

5 yr: VBIL 10yr: VT (still possible to lose money but low probability) 20yr: VT

Dizzy-Tap-792

VTI all day for 10+ years, SPY if you need quick-ish gains, VT if you’re playing the super long game. Dump cash, let it ride, forget about it.

Sir-StocksALot

I would pick VT, SPMO, and BRK.B, primarily because they represent diversified strategies while still giving broad exposure to businesses, economies, and currencies. **$VT: Vanguard Total World Stock ETF** If I had to choose just one ETF, this would be it. VT offers all the momentum benefits of a market cap-weighted index, but offers some robustness to economic shifts by being globally diversified. Currently \~35% is allocated to stocks outside of North America. **$SPMO: Invesco S&P 500 Momentum ETF** SPMO is the only ETF I am quite confident can beat the SP500 over the next 20 years. While I don't think the purpose of a set-it-and-forget-it portfolio is outperformance, SPMO offers strategy diversification to the portfolio by explicitly giving exposure to the momentum factor. I would have preferred a global version, but I am not aware of any. **$BRK.B: Berkshire Hathaway** Berkshire is effectively an actively managed and highly diversified closed-end fund at this stage. Warren Buffett may be stepping down, but he has carefully selected competent people to carry on his legacy. The reason that Berkshire Hathaway is part of the portfolio is that it is counter-cyclical, that is, Berkshire piles up cash when the markets are frothy and deploys it when it is in despair. It also gives access to private equity deals which none of the other tickers do explicitly.

robdenbleyker

I'm not OP but you can be cautious by being diversified: VT is a total world market fund and keeps your investment divided across many markets and industries.

Seven22am

Maybe you’re amazingly good. Maybe you got lucky. Hard to say. The good news is, you’re young so if you’re bad at this and lose big, you have time to recover. The bad news is, you’re young and time is your greatest asset right now and there’s no getting it back if you squander it. Here’s what I’d do. Put away a good percentage of what you’ve made into a market index like VOO or VT. Keep a portion to gamble as you have been. How much? Hard to say without knowing your actual numbers. The more money you have, the smaller percentage you should be gambling with. If you’re really good at this, great. You’ll keep making money and you can park that in the index too. If you’re not, well you’ll be glad you’ve got a safer investment growing and consider a less you paid for.

DKeai

VT

plasticbug

VT - indexed asset appreciation BND - some bond exposure adds stability to the portfolio SCHD - long term dividend growth

Emotional-Power-7242

VT, AVUV, AVDV Total market with a bit if a small cap value tilt.

swrrrrg

A stock? Probably Google. An ETF? VOO (or VT.)

Cruian

Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk 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 equals less risk. 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.

SmallCapsOnly

Not necessarily making the most money but valued the highest. The market cap for the mag 7 is massive, market cap =\= most profitable but it does mean most people buying that stock. Now what happens is as those companies market caps grow more 401ks and other companies such as that buy MFs or ETFs keep pumping money into their market caps causing the disparity of growth to continue. This is how they get so large in market caps causing people to be reliant on them continuing to grow at such rapid paces. A fund like VT is market caps causing people weighted so it helps lower the amount that gets loaded into their market caps Mag 7. Will Mag 7 fail? Maybe, maybe not. But if I don’t need 20% annual return to retire then why risk investing in something with such a concentration that might turn into an Intel dud over the ages? Diversify for 10-14% annual return and much less stress on my end. Win win.

PashasMom

I might go with just one, AOA. Global stocks + 20% bonds. If not that, then VT plus maybe a little bit of BOND, FBND, or VPLS.

BuriedMystic

VT gang

jaydee288

You could just go with VT which is the whole market with a little less mag 7 exposure.

Moldovah

QQQ is like 10% Nvidia, VT is like 4%, so my average is roughly 7% Nvidia. Same story with Microsoft.

SmallCapsOnly

3 is not enough for total diversification unfortunately but gun to my head $VT Total Diversification plus international 70% here $COWG Tech diversification away from mag 7 15% here $COWZ Stable company diversification 15% here

Dankomycin

Do it. I would just do a world ETF like VT.

azboy

A proper crash is when your stocks reach a level you though was not possible anymore. TSLA below 100, NVDIA at 30, Bitcoin 20k, VT at 80 etc..

Laakhesis

Just $VT

404AuthorityNotFound

VT is safer.

aggieaggielady

Not Financial advice, but VT. Total world stock. Shields you from most USA fuckery if it gets bad

gamers542

In this case Yes. That's way too concentrated. You need something to balance it out. You won't be happy when the S&P dips 20%. That's nearly half your value and you will be right back here asking when to sell. Now in something like VT or AVGE, 49% isn't bad because of the massive stock diversification. So if the S&P dips 20%, you would barely feel it if at all.

Brockooly

VT, and if you are not afraid of AI then VOO and VXUS 90/10 split or determine what ratio you would want of those two

Cruian

Follow the /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics For what to invest in: Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk 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 equals less risk. 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. In work provided plans, you'll likely only have a short list to pick from, your options for some areas (such as large US usually) may be better than for other roles. In these cases, some people ignore those areas where they have poor find to pick from in the work account and compensate elsewhere (like extra heavy on international in IRA or taxable for example).

LectureNo1620

I would recommend VT actually

resilient2

VT COST GOOGL US and EU defense & aerospace ETFs. Next gen battery tech like AMPX BTC

Weak-Pomegranate-435

Go with VT or S&P500… buying just 1 single asset such as gold is alot more risky, specially at the possible peak of that asset which have recently given abnormal performance and usually consolidate or pull back after that which take decades

MellifluousMayonaise

VT and chill muh boy

CapeMOGuy

How long before you need the $300k/year? There is no reason to focus on dividends. Back in the days when there were commissions on stock purchases and sales it could have made good sense, but now those are no cost transactions. Focus on a total return strategy and just sell when you need money. Something like a total world index (VT) or a total US (VTI) plus a total international (VXUS) if you want to control the ratio. ETFs named are examples, not recommendations.

TestingLifeThrow1z

28M, I have my 401k matched, roth ira the boring VOO, VT portfolios but I wanted advice on my brokerage stock portfolio. Holdings: Please advice any holdings I should add. I added companies that I believe can't be replaced in the long term for what they do and are diversified around the world. Cash: 27% QQQ: 18% GOOGL: 13% META: 9% MSFT: 9% BRK-B: 8% TSM: 6% ASML: 5% MELI: 5%

Emotional-Power-7242

The fact that you think share price means anything tells me you should just buy VT.

iamsciences

VT/VTI/VOO choose one

BranchDiligent8874

Are you going to receive one time $300k or it will be given to you every year? Same question about $100k from grandparents trust? If this is one time thing, then you can invest in stocks and bonds portfolio, preferably 50:50. For stocks you can just use VOO and VT. For bonds you can just use something like VGSH and VGIT.

lazybeni

VT

BullishDaily

If you're successful trading it, just take 50% of the wins and put them in VT. Keep doing that until you go to $0 then re-evaluate and see if its worthwhile starting again by withdrawing some of those profits from the other 50% or if it's time to employ a new strategy.

theawarenessfund

Nice work building an ESG portfolio with actual conviction. Here's what to watch: **Liquidity concerns:** Yes, niche ETFs have wider bid-ask spreads (0.2-0.5% vs 0.05% for VT). BUT you're young and long-term focused. This only matters if you panic-sell during crashes. **Test:** Check TradingView for EPA vs TDG spreads during March 2020. If spread stayed <1%, you're fine. **EPA vs TDG strategy:** Smart diversification. DEGIRO's exchange fees matter more than liquidity differences between Paris and Frankfurt. **Math:** If DEGIRO charges €2.50 per trade regardless of exchange, EPA vs TDG doesn't matter. If they charge % fees differently, run the numbers. **Active stewardship premium:** BNP Paribas and Amundi vote at AGMs and engage management. This creates 0.1-0.3% annual drag vs passive screeners. **Is it worth it?** If ESG alignment helps you hold through -40% drawdowns, yes. If you'd sell anyway, save the fees. **What you're missing:** 1. **Tracking error:** Min TE (Minimum Tracking Error) ETFs sacrifice ESG purity for performance. Check if this aligns with your values. 2. **Geographic concentration:** 10% Europe ESG might duplicate world exposure (Europe is \~15% of MSCI World anyway).

Impressive-Lie-9290

thinking i'm gonna' put $10,000 into ETFs with 80% VT and 20% BND... eh?

Jack-Donaghys-Hog

Buy $VT every 2 weeks for the rest of your life and STFU

Speech_Path

WSBs, which should I go with : VOO, VT, or VTI? Boogle heads are recommending VT.. but idk. I got full faith is the good ol US

Busy-Crab-8861

If you just bought VOO or VT, you would be up almost 20%. People don't want to make money, they want the thrill of losing money.

TestingLifeThrow1z

28M, I have my 401k matched, roth ira the boring VOO, VT portfolios but I wanted advice on my brokerage stock portfolio. Holdings: Please advice any holdings I should add. I added companies that I believe can't be replaced in the long term for what they do. Cash: 27% QQQ: 18% GOOGL: 13% META: 9% MSFT: 9% BRK-B: 8% TSM: 6% ASML: 5% MELI: 5%

Cracked_Tendies

No dude. Stop that shit. Sell all your MSTR and just buy VT to shield yourself from your own damn ignorance

Cruian

Priorities: /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk 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 equals less risk. 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.

yottabit42

100% VT for maximum global stock diversification with a very low expense ratio. (Or 60-65% VTI + 35-40% VXUS in a taxable account, equivalent to VT but you can claim the foreign tax credit on your taxes.) Follow the [financial order of operations](https://www.bogleheads.org/wiki/Prioritizing_investments). Head over to r/Bogleheads and read the side bar (touch the sub name at the top on mobile). There are a lot of great resources there to learn from!

musicandarts

You started with 180k. You now have 231k. That is not bad. Put it all in VTI or VT and spend time with your family.

wesley_iles

VT and chill

Spittwadd

inb4 "that's trading not investing" some real advice: If you stop \*Watching Nasdaq plummet from the open\*, it's easier to remain calm\* to truly r/Investing properly, we buy VT, tell our emotions to STFU, and do something else

C3lder

VT and chill goodbye

DontPeeInTheWater

Here are the big ones from Vanguard: Total World (VT), US (VTI), ex-US (VXUS), Developed markets ex-US (VEA), Emerging Markets (VWO). If you want to get really in the weeds, I believe that Dimensional and Avantis are worth the small increase in expense ratios for some small factor tilting, profitability screening, etc, so I incorporate several of their funds. DFUS, DFAW, DFAI, DFAE are Dimentional's equivalents to those Vanguard options I listed

silenceisbetter1

World is not baked into VTI. VTI tracks the US market, that means no international exposure. VT tracks world, and global all cap.

NetZeroSun

Wouldn’t VTI already include the world? Someone would still pair VXUS with it? I know VT is super broad with 10k holdings but VT being a slimmer 3.5k holdings. I was going to go with VT (keep existing voo) but was thinking going forward just VTI for a one stop shop (no VXUS as I believe world is baked in already with VTI) as long term total returns was far better than VT. (Obligatory past performance guarantee and all).

dissentmemo

Good thing I'm already in VT.

scrotalsmoothie

This. VT, or VXUS to complement VTI (or variations of these two in combination according to VT's ratios). If you want to tilt you can to VXUS but market cap easier.

Buck169

>The S&P 500 naturally will become overweighted in the strongest performing sectors. Investors who want more diversification can go with VT or VTI or similar funds. Which is the answer, or an answer, to my original question. You got there eventually...

Rav_3d

The S&P 500 naturally will become overweighted in the strongest performing sectors. Investors who want more diversification can go with VT or VTI or similar funds. Valuation of the Mag 7 (TSLA aside) are not as outrageous as people make it seem.

karmahorse1

The market isn't rigged. You're just gambling with it. And if its bumming you out you shouldnt be gambling. If you want to make money stop buying options and just invest in a broad index fund like VT. Dont let the internet fool you into believing in get rich quick schemes. They dont work.

RustySpoonyBard

They call you exit liquidity.  Stick to VT.

PoopyisSmelly

Start with 1 bln in a fund you manage. Then in 2008, get lucky, despite holding your shorts too long, and grow it to 10 bln. Proceed to lose 9 bln over next 15 years. Bet 1bln on shorting tech stocks Loss 300 million Retire with 700 million Just buy VT and chill

MitsotakiShogun

I didn't say that, did I? The *only* stock I mentioned (and do not own outside VT/VWCE) was for a joke, and it was the exact the opposite of "buy my stock": > ~~NVDA to the moon~~ *Please crash so I can buy cheap H100 servers.*