VT

New_Interest_4300

yes i will be adding VT! your original comment was unnecessarily accusatory, hence my reply.

therealjerseytom

> the returns over the past 3 years have mimicked that of the S&P 500, so they're really not beating the market Why is beating the market your expectation in the first place? That's not what financial advisors are for. The benchmark is *you* and what kind of investment and financial decisions you'd make on your own. > especially from reading others' sentiments on this subreddit Not to say that it's wrong, but keep in mind that a subreddit *specifically geared towards DIY investing* is, not surprisingly, going to be very pro-DIY and anti-advisement. So there will be an inherent bias. > Is this a situation where it would make way more sense to stick that 1% back into our pocket and just do something like VT & chill? Or do I just stay the course, let her and her team continue "managing" everything, and when if/when we need the help I have someone readily available to me? There are a lot of ways you can go from here. If nothing else, I'd adjust your view of what portfolio management and advisory services are there for. Beating the market isn't necessarily it. With that said, it can happen. There's a lot of Reddit advice to the effect of, "Don't invest international, it sucks." Glad I didn't take that and went with advice from professionals instead, and I'm looking at +21% YTD rather than 16% for the S&P on its own. You could do a 50/50 approach with managed and self-directed accounts, to reduce the effect of fees on your total assets, while still getting to learn from your advisor directly and by observing investments in that one account. If nothing else I view having an advisor as an education resource other than Reddit or a chat bot or all the clickbait YouTube channels out there. Or it'd be totally fair and valid that you've reached a point where you can go totally self directed. All fair and valid choices.

MrAkimoto

Google: VOO Vs VT Choose whichever floats your boat. Your financial advisor got you started, so you can thank her for that. Now you can row your own boat.

znightmaree

You do not need a financial advisor. If you really want to bounce ideas around, ask any of the many widely available LLMs and cross reference their answers. If your returns aren’t beating the S&P500, then just invest in the S&P500. If you are on Fidelity, consider FXAIX or FSKAX for something more diversified. Put every dollar you have in that fund and forget about it. If you want to get more involved, then read up on stuff and adjust things accordingly. Many will recommend VT, or VOO, or their equivalents in Fidelity. You really can’t go wrong with a diversified fund. You are young so you shouldn’t really need to worry about bonds etc. You are literally lighting that 1% on fire. It is a total waste of money.

Adventurous_Elk_4039

\>*Do you have any SMALL amount of extremely high risk companies/stocks? Like 1-3% of your portfolio?* I dabbled in the past and had some employer stock as well, but at the moment no, and I have no particularly strong feelings about any individual companies. That said, 1-3% is perfectly reasonable to play around with if you want to experiment. \>*any chance you could give me an almost exact estimate if your portfolio? Like what % you have invested in each fund / index, etc.?* As I said in my post, I am 75/25 on FSKAX/FTIHX. This gives me essentially total world coverage with a home country (US) tilt. If you prefer ETFs, you could do VTI/VXUS to achieve similar. Or if you want to keep things extremely simple, you could just invest in 100% VT which is the full world at market cap rates. This essentially makes you the market. You won't outperform it, but you won't underperform it either.

dollar_llamas

33 here with finance and investment management background and career. Keep it simple. I’m 90% VT and 10% BRK.B. You’re looking at two different vanguard perspectives. They are forecasting 60/40 for the decade but they aren’t saying that’s right for everyone. Their glidepath portfolios are their best way to see what they assume you should be allocated in based on your age. Unless we get back to 6+% on bond yields I’d stay heavy equities based on your risk tolerance and what works best for you.

InvisibleEar

If you're salty about the bubble buy VT, you will probably mess up trying to outsmart it with different fund times.

Imactuallyatoaster

Why? You could just get a single fund like VTI that has everything you just included but at market cap weight.  Depending on where you are holding these you could also introduce a lot of tax drag.  Keep it simple with sp500 (spym), total market (vti), or VT for total world market. You can also add in vxus for international.  For bonds you really don't need any at your age. If you're dead set on it take a look at bnd and fbnd. One is passive and the other is active. Bonds are one of the places where active often means better. 

MeatlockerWargasm

I use BOXX + BRKB + VT (1.66% divi)

Czech_Thy_Privilege

All good homie. By chance were you typing in “$VT” or just “VT”? If you included the $, you can just exclude that. Throwing the $ in front of the ticker symbol is a preference for writing posts and that sort of thing.

Fun-Personality-8008

The market is more than the mag 7, yeah. The market is VT. It's fine.

adhdt5676

Time in the market is better than timing the market. If you want to diversify, increase your contributions to VOO or invest in VT, VTI/VXUS for some international tilt.

Lonzio_201

So what I did is I just sold all of my individual stocks and I just put the like 150$ back into VOO and like 20 here and there in to my other ETF’s. Honestly I also went to look into and buy $VT like you were talking about, but I couldn’t find it on Robinhood. I’m not shure if it was just because I’m slow or is actually isint in there but nevertheless I could not find it😂

Gimme_All_The_Foods

Why are you not investing the 100k? It doesn't matter where it came from. Money is fungible and it's now part of your portfolio. Deploy it into an asset allocation that works for you. I recommend global stock market exposure via broad based index funds so either an ETF like VT that tracks it already, or manually via funds like VTI and VXUS. If you don't want global investing, at least pick an intentional allocation between 30-50%. If you're worried about that much exposure in the markets, which sounds like you are, it's a great idea to have some fixed income too. An 80/20 split might serve you well. A nice rule of thumb is to only put money in equities that you won't touch for at least 5 years, and an amount that if it were to drop 50% in value, you wouldn't panic sell. It's hard to know what your temperament would be if you haven't experienced a noticeable crash before, but do the best you can. Investor know thyself.

LTFitness

200k VT 100k BNDW Don’t look at it again until you need it.

DuckLIT122000

Depends on how much risk you want to take on. You can't really go wrong with long term holding VOO/VTI, or if you want international exposure, some combo of VOO + VXUS/VEU or just VT

Czech_Thy_Privilege

No worries! Me saying that $VT holds $VTI and $VXUS is a very simple way of looking at it. $VT has holdings in companies that can be found in the holdings of both $VTI and $VXUS. You can go on Vanguard’s website to see which ETFs hold which companies. You’ll want to scroll down to “Weighted Exposures” and “Holding Details” to see what I mean. Here’s the one for $VT. The Markets display for $VT shows 63.10% of the fund’s holdings are investments in companies in the US, which means 36.90% of the fund’s holdings are outside the US. The reason I mention this because Bogleheads (a sub I recommend checking out) generally advises people to put 65% of their investments into $VTI and 35% into $VXUS, as this is roughly the same composition of what makes up $VT. I don’t want to deal with rebalancing, so I just buy $VT lol. And you’re correct about everything else. The only thing I would double check is selling your holdings in $MSFT and whatnot just because of taxes. It’s not a big deal. Just a tedious pain in the ass more than anything lol, but you want to make sure you’re going about it correctly. And I fucking feel you on the buying a house part. You’ll be happy to know that you can withdraw up to $10,000 from your Roth IRA for a first-time home purchase. It’s not much in the grand scheme of things, but it helps! I haven’t done this myself so when the time comes to purchasing a home, you’ll want to work with a financial advisor or someone who can help you navigate that part to make sure you don’t get hit with any withdrawal penalties.

Czech_Thy_Privilege

Look into setting up a Roth IRA. It’s a tax advantage retirement account where future withdrawals are tax-free as long as you’re older than 59.5 years old and the account has been active for at least 5 years. There are some caveats where there’s an annual limit on how much you can contribute per year and you cannot make contributions to a Roth IRA if your annual income is above a certain amount. You can withdraw contributions without any penalties, but you cannot put those contributions back. It’s generally advised to max it out/contribute to it after you’ve maxed out your employer-matched 401k contributions (if any). Regarding your investments, this is a good start. However, $VOO is an ETF (basically an index fund) that has holdings in $AMZN, $NVDA, $MSFT and other well known companies. I would recommend just holding an ETF since it handles diversification for you. The only thing with selling the shares you already have and moving the proceeds into $VOO or another ETF is that you may have to pay taxes from exiting your position. I also noticed you have $VXUS. The reason I mention this is because I primarily throw money into $VT, which is basically made up of $VXUS and $VTI and is about as diversified as you can get. The reason I like $VT is because of it hits $0, I’ve got bigger problems to worry about than my retirement lol. It’s my personal preference, but it’s totally up to you. Also, don’t fuck with trading options. Or at least not yet. You can make money from them, but they’re incredibly complex and you can (and probably will) lose a ton of money by trading them. It’s best to trade options in a “fun” account that you fund after you fund your 401k, Roth IRA, and savings account. I recommend checking out “Benjamin” and “InTheMoney” on YouTube if you want some good videos on how options work. I’d link them, but I think the automod doesn’t like YouTube links. Bottom line, getting started with investing at 19 is an excellent move! Your future self will thank you for getting started early. I highly recommend reading articles on Investopedia. It’s an excellent resource and has information on all things finance, not just investing.

GaylrdFocker

This is why most people don't need managed accounts. You may be fine because we don't know how much your accounts have, but your daughter with only $60k can easily be in a self managed account with a simple 3 fund portfolio or even just 100% VT at her age.

garden_speech

Nobody is dreaming about anything. I held VGT through most of this decade, and also benefitted massively from NVDA which was a 10-bagger for me, as well as Apple and Meta. I've since diversified into VT since I think I basically got lucky. What I'm saying is that in the long term growth does not outperform, it only does so in phases. In fact if you just compare Vanguard's growth and value funds since inception, growth only outperformed since COVID, it was actually behind the value fund for most of that time period: https://testfol.io/?s=533Y1Gbntpx. So there's your "look at the charts" if you want to. But more rigorous academic research has been done on this too, there are literally multiple long term studies on this: It's [discussed here](https://www.troweprice.com/financial-intermediary/us/en/insights/articles/2024/q2/the-hottest-debate-in-asset-allocation-value-vs-growth.html) This [NBER paper](https://www.nber.org/papers/w4360) uses a different data set and comes to the same conclusion: value stocks have actually outperformed over the long run. The growth outperformance has been very recent and has been mostly multiple expansion. > How many years of selectively picking small windows where mature/low growth wins It is literally the opposite lmfao. Growth outperforming has *only been very recent.*

QubixVarga

He is obviously not saying that VT has the best return of all investment strategies. He is saying that VT Is the best (safest) strategy for the majority of people.

BillsFanEpsilon

I pick stocks and then use margin to buy VT. Feel like it’s as close to free money as you can get in this world.

helpwithsong2024

You don't. You just let the market do its thing. VT will change over time. Energy used to dominate.

xx123234

Buy VT

Imperial_Toast

Yep exactly my thoughts. I’m glad I did a little bit more research early on and didnt fall into the SPY trap like I’ve been recommended so many times. These things go in cycles, and I’m convinced we’re at the beginning of at least a 10 year period of the US underperforming. Last 18 or so years have been an historic US/Tech run, and yes that may have legs for a little while longer, but I feel very safe putting most of my cash towards VT or the target date fund in my employer’s 401k that covers similar ground as VT.

garden_speech

I’ve been switching my money over to VT after being heavy into VOO and VGT for years. I feel like it paid off bigly but the more I look at the numbers the more I think it was just luck, and picking sectors won’t work in the long run so I just want to hold VT. Problem is… I am going to have to pay a LOT of capital gains taxes if I sell all the VOO I currently hold. So far I’ve sold my VGT but not my VOO since there’s more of it.

Odd_Level_3060

If your investment horizon is 10 years or more, you can’t go wrong buying VT.

Pathbauer1987

VT and chill

azure275

I got no idea. You're playing casino betting games. I can't really help you. I'm just DCA'ing VT and forgetting about it The price of oil is more likely to crash right now given current geopolitics than to skyrocket. You do not seem knowledgeable enough of current events to take these kind of chances

Own-Character395

VOO and VT can lose 40% over night If that's not something you can stomach then yes you need to go into bond territory

zachmoe

Ideally if they have something like the ETF VT you can buy, where you can just buy everything, that would be good. And buy other things that are not tied to a country, like Gold or Bitcoin, maybe.

thorn960

I like broad market indexes with international exposure like VT

digital_tuna

VOO effectively makes up over 60% of VT, you don't need both. VT and chill. Also there is nothing "solid" about any stock. Google (nor other "solid" companies) doesn't have higher expected returns than VT.

Main-Bonus-2270

Sorry allow me to elaborate. My risk tolerance is not low per se, but I am willing to put some money into a couple of growth stocks from time to time. For the most part however, my portfolio is VOO, VT, and a few mag 7. Tbh not sure how much safer I can go before going into bond territory.

Main-Bonus-2270

Preach. I’d still like to have a few positions in solid stock like google but beside that, VOO and VT all the way.

Aran_Aran_Aran

I don't disagree with anything you said, just making a point. If you're someone who feels pessimistic about which direction the U.S. stock market is headed in, VT is still 62% U.S.

CapeMOGuy

VT is an index fund which is weighted for market capitalization. It truly is the world stock market. A couple years ago VT was almost 70% US. International markets have done better than the US for the last year and brought the % in US down. If you wish to have a different allocation than VT you could use VTI (US total) and VXUS (Intl total). Personally I use VTI and VXUS and am 60% US and 40% Intl. Overweight US by a couple percent.

Taught_Mose_Sex

Buy VT in a tax-advantaged account (open a Roth IRA asap) and just keep doing that with automatic deposits, dividend reinvestment, and just forget about it.  Live at home with your parents as long as you can and find a higher paying job that you don’t hate, save everything, much going in your VT purchases.  If you are handy look into househacking for when you are completely done with living with your parents. 

Esco9

More VT and small cap

wesley_iles

Please stop. Reddit is very obviously young people who are completely new to investing and has never experienced a significant bear market. I think a lot of people on reddit completely underestimate their risk tolerance and buy stupid things like single stock, crypto or others. Just buy VOO, VTI or VT (I recommend VT) and go on about your life. If you people on reddit are concerned about a 4% drop from ATH, then maybe it would behoove some of them to hold some bonds.

Imperial_Toast

Top pick “this year” is the top pick I’ve had every year since 2011: VT. And it will be my top pick until 2060 when I start to cash out.

Imperial_Toast

That’s why you invest in VT

Imperial_Toast

First of all congratulations on having $4000 as a teenager, and the desire to invest in your future. That is a huge start, and most teenagers don’t have either of those. Second of all (you don’t mention a job so I’m just assuming you don’t have one, sorry if I am wrong) your NUMBER ONE priority now should be finding a career path that will make you plenty of money. Find a path to $100k per year in the next 10 years. It sounds like a lot, but $100k per year by 2035 will be something like $70k per year now (rough inflation math). To expand on the second point - your main way of keeping and generating wealth for the next 25 years is going to be your job. So get a great education in something that will make you money and give you opportunity to get a raise maybe every other year. I know that sounds counter intuitive because we’re in a “stock” subreddit, but your stocks can’t snowball and make lots of money if you don’t have good money coming in. Again, this is a slow ramp up, so set yourself up now by getting a low paying job and getting an education that will lead to a higher paying job. Third, ALWAYS pay yourself first from your paycheck. Meaning when you get your paycheck, the first thing you do is separate 8% and make sure that goes somewhere where you do not touch it for the next 40 years. When you get a real job, always ask if they have a 401k plan, which you can set to automatically invest that 8% (before it gets taxed!) in something safe. Here are your safe investment options! VT - this is a simple total world ETF. FXAIX - if you are using fidelity just use this Open a ROTH IRA as soon as you can and invest at least $1000 per year into it, better if you can do $3000. The funds I listed above can be in both your 401k or your Roth. What is more important than all of this is your commitment to SAVING for your future. People fret over their mix of funds, their bonds, their ability to generate another 0.01% in Money Market accounts, but that doesn’t matter. You have TIME on your side which is the most powerful force. You have to use that time to your advantage and commit to good SAVING habits. At least 8% of every paycheck, put it away and do not touch it. The reward is worth it. When you are near retirement age you’ll have at least a couple million. **For all of the assumptions above I am assuming you are 18 years old now. **I am also just throwing out hard numbers like 8% savings to make it easy for you and simple. You can get away with 5% savings or 10% savings but you need to pick something and stick with it. **If you don’t know how to set up bank accounts, 401k accounts, Roth accounts, there are plenty of YouTube videos for this. I like to do everything in Schwab. **Do not invest in Vanguard Mutual Funds if you aren’t on the vanguard website. There can be $75 charges per trade. Just google that for more info.

Aran_Aran_Aran

VT is still 62% U.S. and only 38% for the rest of the entire world. Probably has to do, at least in part, with how overvalued so many stocks in the U.S. are. Folks are just gonna keep blowing this bubble, when will it pop?

HulksInvinciblePants

> VT and chill is the best investment strategy If your metric is total return, then not even close.

BullishDaily

That is why I VT and chill the principal and play with the profits.

Interesting-Foot2880

Already included in VOO/VTI/VT, you're actually less diversified if you buy it alongside broad market indexes.

CapeMOGuy

OP, one example of an all-world stock ETF is VT.

TestingLifeThrow1z

I have a 30+ year portfolio but I'm growing a little hesitant with the tech portion of my Roth IRA. My taxable cash account is all 70% VT and then 30% large-cap tech stocks and mega caps. My 401k is 50% VT and 50% Tech FTEC. However, my Roth IRA is all tech, FTEC and QQQ. What can I do over a 30-year horizon to add something with a similar growth trajectory as tech that isn't tech? Everything is tech, VOO is already almost half tech, and I'm 100% tech. What etf do I add that has a similar growth trajectory that isn't tech for a high-risk, high growth, long-term portfolio?

watch-nerd

VT and chill.

lovo17

VT and chill is the best investment strategy

ivobrick

Given your age, i ll go all in VT assuming it works like in eu msci acwi on autobalance. However, you did not get much love from bonds - id say do them if you are risk averse. Still better than sell low. Noone wants bonds, untill market drops. I hold ultrashort ~ 20%, for exactly that - but you pay the price for that thats for sure ( in a form of low return ). I hold them to be deployed. Even if you wanna and will retire early, you dont need to leave market, its not cutoff. Cant say anything to fixed income, we dont do them cause of taxes. Use retirement accounts advantages if applicable.

jaydee288

How is VT a poor investment?

jacobf33

I like the 2 account idea, it would probably help with my risk aversion if I could see one account is nice and safe when the other one is volatile, even if the overall pot of money is the same. I just started a personal IRA this year, all VT for now, will probably mirror my taxable allocation once I fully figure out what I am doing haha. I need to look into HSA, I don’t know much about it.

Interesting-Sink-284

VT, VOO, QQQ these are my top three 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 and better than taxable brokerage account. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market) or VOO (US 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 more 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.

Interesting-Sink-284

These are the best three ETFs VT, VOO, QQQ in my opinion. 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 and better than taxable brokerage account. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market) or VOO (US 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 VOO has more 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: 50/50 VT/VOO (global market & tech) High risk: 100% VOO (global market & tech) Pick whatever fits your risk. These portfolio can drop historically 40% to 50%. 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.

Beta_Nerdy

People who VT and chill vs VTI and Chill. (Except for 2025, VT is a poor investment.)

ArbiterFX

Measuring if you are in the green or not isn’t a complete picture. Measure yourself against VOO, VTI, VT, etc. Once you factor in opportunity cost you did much worse than losing $69k.

Cruian

>also given the studies Which studies? I can point to some showing benefits of also including small caps. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ Notice that in the table in the CBS link, small value and small blend beat out every category of large cap. >that I’m not in the best place to have many options financially right now VOO just feels like the safest bet for me especially being that all my investments are long term plans I'd argue that for one fund portfolios, there's several funds that would place above VOO. Especially for long term. VT, RSSB, target allocation index to name a few. >10% QQQM QQQM currently sits in the large growth area. But see what tends to be recommended by the factor investing links I provided above (hint: not large, not growth).

Training-Rip6463

VT

MaybeTheDoctor

Likely unless he suddenly reverses all the tariffs and makes deals with Canada/mexico … if you believe this trend to continue then VXUS may be better than VT

clingbat

FWIW, VT is up 4% more than VOO ytd...

Enigmatic_Observer

VT and chill - but hell yeah

Emotional-Power-7242

VT is over 60% US because the US market is over 60% of the entire world market by cap weight. If the US market drops and becomes only 40% of the world market then VT will be only 40% US. Holding everything at cap weight is the most neutral thing to do, it means you will reap the average returns of the entire world market. It doesn't make sense to customize because then you're making active decisions. You can say "I'll hold only 20% VXUS because the US market is the best and will always be the best". Or you'll say "I'll hold 80% VXUS because the US empire is collapsing". This is you trying to beat the market. And statically speaking when you try to beat the market you will instead underperform the market. So just hold cap weight, get the average return of the market, make no decisions, get rich and sleep easy.

Relevant-Client-9853

Isn’t VT over 60% US? Wouldn’t it make sense to customize by doing VOO and my desired VXUS percentage?

Emotional-Power-7242

VT is VOO+VXUS (or more accurarely it's VTI + VXUS). VXUS is VEA+VWO. VEU doesnt have small caps, so it's like VOO and VXUS is like VTI. To be the most diversified in the simplest way, just buy VT.

inthehill

VXUS zero overlap with VOO VT is 89.5% overlap with VOO Have a look at etfinsider to see what I'm seeing.

ChucktheDuckRecruits

I’d bet you’d be better off not doing the speculative stuff. Keep a few MAG7, and then put more than half into VOO & VT and chill.

weightedslanket

Whatever the European equivalent of VT is

Edard_Flanders

Index funds such as VT.

Poundcake2RedVelvet

buy VT

Emotional-Power-7242

Yeah even better. Unless it's in a taxable account as VT doesn't qualify for the foreign tax credit, making the VOO/VXUS more tax efficient.

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.