VT

Buck169

You could do a lot worse than putting 80% into VT (Vanguard Total World Stock ETF) and 20% into BND (Vanguard Total Bond Index ETF). This assumes you are not planning to spend this money soon but will be leaving it indefinitely in the funds. Get a copy of the book I Will Teach You To Be Rich from a library and read it. It's fairly short, pretty entertaining (no, really!), and if you can absorb and apply even 1/4 of what he writes, you'll be ahead of probably 90% of your peers and even people much older.

One_Talk_3410

VT etf 

Acrobatic-Song-3151

Because they buy IPO’s very early compared to even spy. I’ve mostly been adding VT since last April and I’ll likely flip most of my Vti into Vt. We have at least a few months.  We don’t want to own space x or open ai.. open ai is really a dumpster fire and that’s a huge reason Microsoft is under so much pressure. https://youtu.be/6a9L-3Hiobs Cheers! Why VTI usually gets IPOs earlier VTI tracks the CRSP US Total Market Index, which: Includes nearly the entire investable U.S. market Adds IPOs once they meet basic liquidity + float requirements Often brings them in at the next quarterly rebalance (sometimes sooner for big names) 👉 Result: IPOs can enter VTI within weeks to a couple months.

Ancient-Swordfish292

VT and chill. Pretty simple.

naturefort

VT and chill

Beach-Knight

Not a professional financial advisor. I’m assuming it’s a truly legit question, so I’ll give you a truly legit answer. You do not seem like the type of person who is going to spend most of your life studying markets and business nor do you seem like the type of person, once you have this footing to use, that will read through company reports well enough to make better choice than the majority of people who do it for a living. Therefore, you should not try to beat “the market”. Instead, just buy index funds like Voo, VTI, VXUS, or if you want the whole enchilada in one, VT. There are many other low cost options on top of those. By far, most people under perform the market long term. You very likely are not the exception.

McKnuckle_Brewery

Nobody charges for VT, including Fidelity. It's an ETF. VTSAX, a mutual fund, that's another story.

Buck169

Schwab doesn't charge a transaction fee for VT? That would be nice. I know Fidelity charges a fee for Vanguard funds, so I assumed Schwab did as well.

drew-gen-x

I'm up over 8% on $VXUS and $EWJ, and over 6% on $GLD and $VT since buying the bottom 5-10 days ago? And these are indices and not stocks. We are way overdo for a pullback. Just wait until this place turns bearish again and buy & add more. There's no reason to chase here. The 200 DMA has been a great buy indicator for World plus US and World ex US ETF's. Buying $GLD when gold pulls back to $4400-$4600 has been a good buy indicator as well. I've been spending a little money here & there & buying this pullback in AT\&T; but I'm sticking w/ 90% EFT's. I'm not smart enough to pick the winners in this crazy market. Don't get too bearish, but also don't get too greedy.

McKnuckle_Brewery

To be clear, I wasn't suggesting that you use Fidelity funds. I was just giving examples based on them. Schwab probably has similar ones. You can buy ETFs like VT at Schwab without issue. There's no need to switch. Only non-native mutual funds typically have a fee.

jk147

VTI is US only. VT is the entire world.

Buck169

For historical reasons, I'm in a Schwab account. I guess I could switch to Vanguard and go VT, but I've liked Schwab's customer service. Does Schwab have an equivalent to VT? My first search turned up total US, not total world

Feeling_Walk5820

This is why I just do VT. I don’t want to have to think about it.

the_devils_advocates

I just VT and chill. It goes up, I buy. It goes down, I buy. I buy twice a month

Da_Cum_Man

Waiting for next paycheck to come in before I tangle with $SPY 0DTE options. Until then I stay the course: 50% buying $SPY, 40% buying $VT, 10% buying BTC for mostly long term stability with a tinge of regardation

BurtonAllen-TA

My bad typo'd VT - yeah VT is definitely the way to go IMO.

verbalsuplex

All word is VT. VTI is still just US.

owenmills04

I bought about 5k worth awhile back when it was like $420. Just bought another 5k at $368. I don't think I'll buy anymore, but figured I'd average down a bit Yeah I think it'll do pretty well long term. Would I have been better off just putting it in VT? Maybe but I don't mind having a small MSFT holding.

naturefort

I was voo for decades. Did well. Started going 100 percent VT for all future contribtions in the accounts that I can, and swapped out voo for vt if it was not a taxable event.

Fantastic-Machine-83

14% over what time scale? VT has done better than that over the last 12 months and takes no skill

DarkVoid42

VT

SyntheticWisp

Me, a ber, looking in the mirror this week https://media0.giphy.com/media/v1.Y2lkPTZjMDliOTUydHVmaW9veGtobzA0bnR0bWR6eGFydG1pcHAwemcwbnU3ODVvZHA1OCZlcD12MV9naWZzX3NlYXJjaCZjdD1n/gb6TyakSW7F3mKx6VT/200w.gif

garden_speech

I’ve beaten S&P but it’s just because I was lucky enough that I picked VGT 10 years ago lol. I almost picked VDC instead. Nowadays I’ve just switched to VT

midwestck

97% VT shares and 3% USO calls until I feel inspired again

Bitter_Proof_9288

I wasn't trying to imply that selling is wrong or bad; as you point out the tax implication is the same. For me if you go the VT route, you then have to have a plan for when to sell. Do you do that once a year? quarterly? what if the market is down when that time comes? Sure, you can come up with a plan and do your best to stick to it, but that adds more of a psychological risk to me.

Bitter_Proof_9288

VT has a pretty small div distribution, so it would mean selling to get the money you need. So you would need to figure out when and how often you wanted to sell. With a dividend portfolio, you can structure it so that the DIV payments are coming in every quarter (or monthly even) and you can just have them go to your MM account instead of reinvesting them. This would lead to less selling (usually). > And if you notice im trying to highlight you get more money to live with the index fund approach Why do you get more from VT? even in a DIV portfolio you will have price appreciation and you aren't prevented from selling.

Excellent_Chest_6616

Question for everyone in here, what is the actual difference of just owning say VT and taking off 8 percent a year vs owning dividend stocks and taking your 3-4 percent in payments? Isn't it just psychological that you "get paid" instead of living off the growth of a stable total market etf? And if you notice im trying to highlight you get more money to live with the index fund approach

Vlookup_reddit

Speaking as a VT person, I don't find VT to be completely safe. You can't fight when someone can change the index tomorrow. What are you going to do?

zUcCc_

I’ve always preached diversification but yes a lot of people are all in VOO rather than VT, I have no worries for my own portfolio

drew-gen-x

Buy some beer & listen to some good music. Then I would go 50/50 and buy 50% $VXUS and 50% $VT. You made a decision so lets use that decision to diversify to 50% World ex-US and 50% World plus US. You made a move so you might as well make a change. This should keep you away from a possible wash sale flag as well.

Akarthus

I panicked sold my VT stock for +2.5% after seeing Iran closing it lol As long as in green my hands are weak as fuck

KooKooKolumbo

Dude, nobody has any fucking idea and anyone that says they know for sure is lying. Just buy the dip and VT and chill

wl-hung

Some in cash, some in 2 year bills, and a small part that you are willing to risk in VT.

DarkVoid42

VT and chill

TreGet234

https://www.composer.trade/etf-comparisons/VT-SPY Ex usa/smallcap outperformance has been staggering last 6-12 months tbh. Enough for VT to massively outperform spy. Though it did get hit harder from the oil shock. Now it got a bigger bounce than spy though. Dxy may also turn to toilet paper if oil gets cheaper again.

Putrid_Pollution3455

Real chads buy VT and soak up the collective efforts of the entire planet with one fund

Ahamadrayasbaboon

Zoom out and just buy VT shares. 

Spl00ky

Just stick to 100% VOO or VT

cjorgensen

You not only lost the $130k, but you also lost what that money would have made had you just parked it in VT. Stop doing what you;really doing. You're not good at it. Join r/bogleheads and start invest smartly not dumbly.

lawyermom112

How is it mooning? Because VT is up 2%? lmaooooo I did buy some individual stocks that are up 10-15% the past two days, but yeah I still have 250k waiting for deploy into individual stocks

ThatLooksRight

Or VT

RagnarokWolves

keep an emergency fund and whatever you need for day-to-day in a HYSA. Start investing 15-25% of every paycheck into a well diversified ETF. (Either S&P 500 or VT to capture global diversification)

thetreece

What is it actually invested in? What fund? A basic global portfolio like VT would have had like 120% return since then. Even a very conservative 60/40 fund like VBIAX would have returned 56% To get only a 39% return, you had to be in a pretty dog shit portfolio. Are you paying an advisor? Super high fees could account for some of this.

Tricky_Recording5222

VT closing green 4 hours before Trump might wipe out Iran lol

LEAPStoTheTITS

Clearly you know how to save, since you had 10k. Just buy VT

jboy9622

Honestly for me since I’m invested in Vanguards TDF in my 403b I don’t mind it since my job doesn’t offer a match so I’ll just throw money into it and just forget about it. I’ll just focus mostly on my Roth IRA which is invested in VT and taxable that has VTI and VXUS.

drew-gen-x

I timed the bottom in $VXUS. That was my biggest BTD. I bought at $74.45 and $75.39, both around 200 DMA. I'm more bullish World ex-US than World plus US. But I figured I need exposure to US stocks as well hence buying $VT and $IGV last week.

A10cc

I entered a position at $135 when the 50 week SMA was breached 2 weeks ago. I'm entering slowly, but I suspect there is a reasonable chance it get breached again. I know VT is above the 200 day SMA as of now, but SPY and QQQ really gotta break above the 200 for any real bullish momentum. We shall see.

drew-gen-x

Well I opened a position into $VT at $139. I'm trusting the 200 DMA will continue to act as support. The world plus US market charts look a helluva a lot better than the $SPY. Hopefully the US markets catch up. Until they do I will be overweight World ex-US & Gold.

A10cc

I'm looking at the daily and weekly for VT and in no way is there any indication that a inverse head and shoulder is forming. I'm saying this as an investor in VT.

drew-gen-x

You may be right, but $VT did bounce off it's 200 DMA once again today. I just added $VT to my port as well and I am done. My port is where I want it to be. If you look at the charts for the whole world markets ($VT) vs just USA markets ($SPY & $QQQ) ; you could make the call that the bottom is in. We have already bottomed & retested & bounced on $VXUS (world ex-US). We are all gambling here at the end of the day. I could be wrong. But I see a reverse head & shoulders pattern forming on $VT (world plus US). I'm ignoring the $SPY and $QQQ here and looking at the bigger world picture.

350

>!Dollar cost average into VT or VXUS/VTI and chill, seriously.!<

MomentPrestigious180

Is this the day my port gets halved? Even if I'm holding 100% VT and Chill???

Machine8851

If he did what you said he would do it would be ideal such as buying VT and only looking at your portfolio occasionally. Or buying 90% VT and 10% BND.

Party_One4826

That sub is basically “buy VT and chill” anything outside that framework tends to get shut down fast

Party_One4826

That sub is basically “buy VT and chill” anything outside that framework tends to get shut down fast

cbf1232

What exactly do you mean by “the market”? The VT ETF is up slightly over six months and up significantly over twelve months.

MathematicianBubbly2

VT and get rekt

SlyCooper007

VT and chill?

smexypelican

Okay my dude I'm going to say something probably ban worthy for this sub but hopefully it actually helps you. If you relate to the regards in this sub and just want to gamble your mone then go and follow their lead and buy 0DTE options. If you don't want to gamble and just want stable growth (yes boring) then go to /r/bogleheads. If you are young and want to invest long term, you can just buy VT and chill. Goal is cheap index funds, whether it be US stocks, foreign stocks, bonds, US treasuries, whatever. I'm only in this sub to have a good laugh. Gambling is fun even if I'm just watching.

teerre

Probably because it has been asked and answered a million times and the answer is that it doesn't? Most funds that boggleheads use won't be affected by this (VXUS obviously, VTI, VT) more than affected by a company like Tesla today

empithos27

I'm 50/50 in equities and "hedges"; equities are SPY and VT, hedges are a mix of bonds, cash, managed futures. Hedges included gold until a few weeks ago, sold that once it was obvious countries needed capital to hoard oil. I'll scale back to 100%+ equity exposure once SPY crosses it's 200 day, probably with UPRO+TQQQ with trailing stops and protective puts in place.

Noshoesded

"Time in" matters more than "timing" the market. Set up automatic investment for each paycheck. r/bogelheads and VT and chill.

Pffffftmkay

You have no idea if the s&p500 is going to skyrocket in the next 2 months, yet you assert it as if you do know.  If you can’t handle the ups and downs, you need to train yourself not to look at your portfolio. You’re coming at it from a day trader’s or gambler’s perspective. If that’s what you want to do, then great. That’s your prerogative. However, based off what you’re saying, I don’t think that’s what you want (at least I hope not as you do not seem near knowledgeable enough to walk the path).  Just put it in VT and don’t look at it. 

Pffffftmkay

It’s very simple. If you need the money in the next 3-5 years to a decade and/or don’t have an emergency fund, keep the money in a HYSA or buy a CD. If you don’t need money and want to invest for the long term, just buy VT and let is sit without looking at it for the next decade+. This puts aside questions of whether you qualify for an IRA or have a 401K or have done backdoor Roth already. If you don’t have any tax advantaged accounts, you really should google them and learn about them.  It’s that simple. Don’t time the market. Don’t watch it every day. Definitely don’t put money on the market that you’re going to need in the short to medium term. 

poopy_wizard132

Sir, this is a casino. Just buy shares of VT and hold them until you retire.

musicandarts

With ETFs, you don't need a portfolio. Invest in VT or VTI. For more info, go to r/Bogleheads

season7445

Max out what ever they offer at work. I'm sure it's a solid plan. And put that into VT or a great dividend stock like KO and reinvest dividends back into KO. Buy a house if you can afford it. I believe precious metals are always a safe bet. I prefer the physical kind. Don't try to keep up with the Jones's. Work hard now and you will be playing while everyone else is still trying to figure things out. And always learn.

fack-the-suits

I didn’t think I had a trigger, I just have buy VT biweekly as my automated order.

pants_full_of_pants

This is not an investment subreddit, this is a turbo regardo pseudo gambling subreddit. Though, on a serious note, you can still learn a few things about the market by lurking here. Mainly, hopefully, that stocks and options are extremely risky. If you want actual investment advice, go visit r/bogleheads. Or just buy basically any broad cheap ETF. If you want the short version, literally just buy VT every month and don't touch it.

Gimme_All_The_Foods

Invest in something like VT for the bulk of your investments you tard.

Desertcow

97% of day traders lose money. This is an entertaining hobby and gambling, if you actually want to grow wealth over the next few decades put most of your portfolio in VT and move on with your life

malignantz

You should be all in on $VTWAX (ETF version $VT). According to the Cederburg paper, you'll need to invest 40% less lifetime in this portfolio to achieve the same retirement outcome as investing in a target date fund. [Challenging Lifecycle Investing: The Case for An All Equity Strategy](https://rady.ucsd.edu/_files/brandes/Challenging%20Lifecycle%20Investing%20The%20Case%20for%20An%20All%20Equity%20Strategy.pdf)

deepserket

There are two paths: - T-bill & chill - VT & chill Choose wisely

Riotroom

Bro 2 accounts: first account 401k 20% every pay check into $VT and chill. 2nd account: take the money from blowing dudes behind Wendy's dumpster last night and yolo everything on 0dte meme stocks, repeat until you're a millionaire.

WeAre0N3

you need to get off of this subreddit and find a different one. VT, VTI, or VTSAX set it and forget it my guy

coreunlocked

Just keep buying VT and don't touch it for 40 years.

drew-gen-x

90% ETF's, 10% stocks. $VXUS, $GLD, $EWJ, $IGV is how I'm weighted now. I might add $VT and I'm not totally convinced $IGV is a long term hold. It's just more reasonably priced than the value $SPY names right now. Long foreign stocks & gold.

drew-gen-x

I tried to post $VXUS holdings compared to $VT but the comment was flagged for pumping penny stocks since moderators can't tell diff b/w Novartis AG w $258B market cap vs some similar US stock. But anyway......if you use Yahoo finance or any stock ticker check you can go to holdings and it will list the Top 10 holdings for any ETF or mutual fund. I would look for World ex-US over World plus US. If you compare $VT vs $VXUS for example the US stocks are all in the top 10 b/c they are overweight US stocks, but they do include foreign world stocks as well. But $VXUS doen't have any US stocks, and is 100% foreign non US stocks. You can check the same for $EWY, $EWJ, etc. Hope that helps.

OmahaOutdoor71

Market is only down 5% from early February. Before jumping in can you handle a 10% drop? 15% drop? 20% drop? Not saying those are going to happen but there is a very real possibility it can. I'm staying invested and only selling to tax loss harvest. I buy VT, if it goes to shit I sell, take the loss and immediately buy VTI and VXUS. The world is insane right now, so I expect and know there will be much volatility. Just have a plan for it.

Confident_Guide_3866

VT

JckieMPLs

VOO or VT. Just be consistent and don’t sell prematurely. Good for you for starting so young!! I got my vanguard account set up and starting learning and investing at 25-ish. 31 now, very happy with my results, but man I wish I started at 18-20

Butter_with_Salt

*VT

dissentmemo

VT

_176_

Read the, [The Bogleheads' Guide to Investing](https://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore-dp-1118921283/dp/1118921283). I can't tell why you're confused but I assume you're cherry-picking positions that have performed well in the recent past and assuming you should go all in on them now as if there's any reason to assume the future will look like the past. The 2055 target date fund is 90% $VT essentially which is about as aggressive as you can get while also being as diversified as you can get. It's a recommendation that no serious person would say is bad.

findthehumorinthings

I moved cash to VT last Tuesday. Glad I did. SPY touched 629 and bounced. 12% down from ath with no indication of bear market drivers.

naturefort

VT

SerMumble

Roth IRA is a tax free account and that's very good to max out yearly when you are young. Start with opening a schwab, fidelity, vanguard or similar account, creating a roth IRA, and buying a money market fund like SWVXX for schwab for example so your money is doing work while you plan your portfolio. I recommend the S&P500 index like SPYM, VOO, SWPPX, etc. Or a total world index like VT for example. These are general starters to research around. More aggressive growth funds are like QQQM, SPMO, SCHG for example are the best for your age. Small strategic satellites might be individual stocks, dividends, international, small cap. Don't get carried away with these and some people are fine not buying them. Don't waste your money on bonds, reits, crypto, and weird stuff. Dollar cost average consistently for success.

Deep90

Yeah US is showing a huge lack of research here, but I guess for the purposes of their post, VT is about 25.34% tech.

actiondanny

It’s all priced in. Just buy VT.

Infinite_Playdate_XO

Expense ratio for the MFS fund is pretty high, that one alone is about $115 per year on top of the other fees of the other three funds which is more reasonable. Also it looks like there's some overlap of holdings between BlackRock and MFS, they both hold NVIDIA, Apple, Microsoft, Meta.... You could do 100% VT. Annual expense for $76k fully invested would be $45.

dUjOUR88

I think you think you had some deep insight into the meaning of investing, what you don't realize is everyone already knows what you stated and discarded it because the definition is so extreme it makes both words (gambling and investing) meaningless. It's a pointless observation because it pretends sitting at a slot machine is the same as investing in VT. It somewhat reeks of /r/im14andthisisdeep.

Ancient-Swordfish292

Ah, so you're not actually worried about the kind of inflation that decreases the real yield of nominal bonds and have high confidence that the interest rates on long duration bonds won't go up. Hope it works out for you. I only mentioned physical gold, crypto, and physical cash because those are popular among people who give credence to conspiracies such as the government intentionally manipulating CPI. I've got two years of expenses in I bonds, paid off house, and everything else is VT and chill. Planning to not need money from investments for a while. Contributing as much as I can to tax advantaged accounts. I'm not in T bills either; I bonds look like a better deal, and interest is tax deferred.

TranslatorRoyal1016

wdym you're not sure if VT is int'l or not, did you bother looking into the weighting?

Nice-Truck8806

Counterpoint regarding VOO: the top 500 US based companies.... aren't *really* US companies. They're all multinational regardless of where they are incorporated. I would argue it's just currency risk, not country risk. SPX funds also have lower fees that funds like VT. As for VT: they have holdings in countries that are typically seen as uninvestable. no other countries have robust consumer protection like the US, and some countries don't even require corporations to release earnings statements, balance sheets, etc. They're like 1920s stock markets. Even if they get a high risk premium, many people don't think the risk of fraud is properly compensated. As for QQQ: based on the same logic, you should buy OTM LEAPS instead. how aggressive is too aggressive when you're early in your timeline?

JBrady666

I use schwabs etfs. SCHB, SCHF, SCHE. 60/30/10. It’s practically VT.

Ahamadrayasbaboon

I don’t disagree, but the counter-argument is that people with long time horizons like 30yrs don’t need to take on elevated risk. That’s why so many people subscribe to what they perceive to be a middle ground, VOO.  It’s a spectrum, of course. Arguments could be made that VT is risky in comparison to bonds, or that QQQM doesn’t take as much risk as SPMO. 

fernst

VT

Coloradodreaming1

VXUS VPL IEUR AVDV and others like EWJ EWU and EWC and VT for me. I’m not even 10% international exposure right now and playing catch up to get diversity away from MAG7.

One_Talk_3410

My core position is VT and I’m DCAing into Bitcoin as a satellite position for next cycle