VT

badchad65

What is the difference between VXUS and VT?

Me55y

VT

blorg

It doesn't necessarily cost more in fees either, depends on the specific funds. VTI (0.03%) + VXUS (0.05%) is lower fee than VT (0.06%). The single fund is simpler and automatically rebalances, which is a big advantage. If the fees are this low, a few hundreths of 1% simply don't matter. DHHF which is an Australian global ex-Australia ETF is 0.19%. BGBL (developed markets ex-Australia) is 0.08%. BEMG (emerging) is 0.35%, but emerging markets are only 10% of global equity capitalisation by weight. So BGBL+BEMG at market weight would be around 0.11%.

SirGlass

People mention this often when talking about things like VTI/VXUS vs VT. In this case you save a very small insignificant amount by splitting between VTI/VXUS

ProcessSweaty9021

tbh, Solid point! Diversifying with VT could help reduce risk and give you more global exposure. Worth considering for long-term growth.

Which-Pair-1837

That's a solid point! Global exposure can help balance risks. VT might give you more diversity for long-term growth!

whataboutbenson

IMHO it can’t be taken for granted that the US market will continue to perform as it has the last hundred years. America was hegemon then. Going forwards it’s less straight forward. I just go with VT.

LightForceUnlimited

VOO=S&P 500 VTI=Total US Market VXUS=Total International Market VT=Total Global Market In order to get the entire global market you can either go for VTI plus VXUS or just go all in on VT like I did. VT automatically rebalances so you never have to worry about tinkering with your portfolio. The only thing you have to do is buy more VT shares over time. VT is an entire global equity portfolio in one simple ETF.

Emotional-Power-7242

VT is better because it includes equities from other countries so is more diversified. But yeah there is no downside, that's what you're supposed to do.

karhoewun

I'm heavily invested in VWRP and VT and I think it's a great base investment for many (myself included) who don't have strong views on a particular stock but would just like to participate in the global stock market because they think it should go up in the long term. When I say overdoing diversification, I'm talking about when people add to the portfolio for the sake of adding something (stocks, bonds, commodities, FX, strategies, etc) to be more diversified without having any conviction or view

DiegoMilan

In time, everyone learns that all roads lead back to either VOO, VTI, VT or their mutual fund equivalents.

MrQuantum

VT is total world

GregorSamsanite

VTI and VOO overlap a lot. VTI consists mostly of VOO plus a smaller percentage of smaller stocks, so it's a little more diversified, but still strongly correlated. You probably don't need both, and I'd lean toward VTI out of those two, though it won't make a big difference either way. Both of these are exclusively US stocks. Personally, I prefer VT. Which is around 60%+ the same as VTI, so you still get plenty of US exposure, but it also includes international stocks. In recent years, US stocks have performed a lot better, but historically that hasn't been the case in all time intervals. More international diversification might give you a little more peace of mind if something happens in the US market like the AI bubble popping. Another area where you might diversify would be bonds. It's hard to make the case for allocating too much of your portfolio to these given their historical performance vs equities, but some could be a little safer than none if things do go poorly. These might make more sense to go in a retirement account so you're not paying taxes on the dividends every year.

LightForceUnlimited

VOO and VTI will overlap. It is better to go for one over the other. VOO is the S&P 500, the 500 largest companies in America, VTI is the total US Market. Usually they perform fairly similarly to one another. Since about 2010 the S&P 500 has performed very well but that has not always been the case historically. Also consider VT which is the total global market.

BitcoinMD

The downside is extreme overlap and single nation bias. Do VT instead

cjorgensen

You have no international doing this. Just put VT in both and be done.

CornerOne238

You are right, this never happened before... /s Except in 2000, 2008, 2020... Just the recent ones. Just VT and chill, no need to panic.

i_dont_like_turnips

VTI, VXUS, BNDW. VT and BNDW is fine too if you don't care about foreign tax credits.

cjorgensen

Or you could care less about $VIX and just dollar cost average in every month into a broad market index. VT and chill.

YouKnown999

So if you have 1.9M in VT, just keep the physical gold? That’s literally the point of a commodity like gold.

StewardOfCapital

Given your strong portfolio and income, selling gold and reinvesting in VT (Vanguard Total World Stock ETF) for long-term growth makes sense. Gold is a good hedge but your 2% allocation isn’t enough to outweigh the growth potential of a diversified global ETF like VT. That said, keeping a small portion of gold as a hedge could offer balance, protecting you against future uncertainty while maximizing growth with VT.

Helpful-Staff9562

Put all in VT, focus on high savings rate

Helpful-Staff9562

My portfolio value is 2m ish USD in VT and I'm new to gold so yes i dont mind getting others point of view on it

Heyhayheigh

What kind of gold is it? Like family jewels? Something cool like a Rolex? Coins? Is it a pain to keep? Do you have a safe? Keep auto buying VT and go on with your day… you said it was small. If it’s not a pain, keep it. Nothing wrong with a little diversification. If it’s a pain to store/keep. More VT. Simple.

cdude

I find it hilarious that you told someone with $600k to "VT and chill" and yet your relatively insignificant $40k needs to be run by strangers online.

Asset_Alchemist

If it’s a small percentage of your portfolio, I’d probably keep at least part of it. Gold can act as a hedge and adds diversification, especially since you’re already heavily in VT. If you don’t like holding physical assets, selling some and reinvesting into VT or another asset you’re comfortable with is also perfectly reasonable. There’s no wrong move here, just preference and balance.

Inevitable_Pin7755

23 is super young. Biggest edge you’ve got is time tbh, not dividends. Nothing you’re holding is awful but it’s kinda all over the place for a Roth. SCHD sounds nice on paper but at your age it’s not really doing much. Growth matters way more early on. If it was me I’d simplify hard. Big chunk in something broad like VTI or VT. Set it and forget it. QQQM is fine if you want tech exposure. Fractional NVDA is whatever, just don’t let single stocks take over. BLOX and NEM feel more like play money. Fine to keep a bit but I wouldn’t build a retirement account around that stuff. Dividends can wait. You’ve got decades. Maxing the Roth every year matters way more than perfect picks anyway.

Gimme_All_The_Foods

A dividend fund in a tax-advantaged account? Why? To be honest, you're all over the place. Sell everything and put it all in VT which is an ETF that tracks the global stock market. Save speculative plays for a brokerage. Never sit on cash in a Roth IRA too.

UsedState7381

Yeah That was what my broker app was showing me yesterday before averaging down. I'll be buying VT from here onwards though, I'm done averaging down.

UsedState7381

>Fuck it, get rich or go broke trying right? Yes. But at this point, after buying more on Monday and yesterday, I'm done averaging down on MSOS and I'll prioritize my VT position here onwards.

Emotional-Power-7242

100% VT, or a low fee target date fund.

thorn960

I guess it depends on when you plan to buy a house. If it's in the next 5 years you might consider putting a chunk of it in cash assets. If you go all in on stocks, stayed diversified with an ETF like VT. VOO if you don't mind a little more risk for possibly a better return. If you go fully invested you might have to put off buying a house if we have a downturn so you don't have to cash out when the market is down.

zendaddy76

I use VT and also logarithmic charts, personally. Good luck! 👍🏽

helpwithsong2024

Pick one of these for now and just DCA into it as often as your finances allow (meaning you have 3-6 months of cash for emergencies you don't touch, everything in excess of that, after expenses, you should invest). 1. VOO 2. VTI 3. VTI + VXUS 4. VT

bigbirdsy

I would put everything into VT, buy the whole market, and forget about it

crazybutthole

If you get it right - concentration is better. If you get it wrong - you should have diversified more. (Like VT and chill)

Comfortable_City1892

You are young, get Robinhood. The other apps suck and we live on our phones not a PC. Make your long term investing automated. For investing it really depends what you are investing for. If retirement, open a Roth and set up a recurring monthly buy of an etf like VOO or VT. For medium term you can do a brokerage account and do a managed Robinhood strategies account. It allows you to enter time horizon and risk, then it manages funds for you.

ccgogo123

I’m also hoarding cash to buy the dip like liberation day last year while DCAing VT. 

tinydisaster

Serious? Split it in two. Dump 1k into something like vanguard, 1/3 into VT or VTI, 1/6 in BND, 1/6 in GLDM, and leave the remainder in JAAA as a cash like position at 5.48% APY. Ignore it for as long as you can. Have fun with the other 1k. Whatever that means.

Gimme_All_The_Foods

Read this first. https://www.bogleheads.org/wiki/Getting_started All you need is an ETF like VT which tracks the global market cap for you. Ensure you have enough in emergency savings first though so you don't have to sell shares if they're at a loss. If you're employed, start a Roth IRA first. After maxing that, invest in your 401k if you're able to.

blinkOneEightyBewb

VT chill, don't discount international exposure

Slachi2025

Work 8 hours, net ~$200 VT and chill, net ~$1500 The world is fucked yo

swrrrrg

I mean, I probably wouldn’t hold an individual stock with only the idea that I wanted to put $10k in and “forget it.” I actively manage the individual stocks I own, even in my retirement acct. The exceptions are VT and VOO. If you want to forget about it for 20 years, personally, I would do VT and be done. It’s a bit soon to say, but if pressed, I’d probably do something like BRKB to ideally lessen risk during crashes but I would also be paying attention to what it’s doing quarterly *at minimum*. I also own GOOGL and I plan to hold that for the foreseeable. They’re a lot more than just Google. That said, I bought it quite a bit lower so I benefitted from their run last year.

brute-forced

Ohh look, VT outperforming SPY again already this year with these bullshit culture war policies

bushed_

> I’m sorry if I offended you by answering the persons question. I pulled out a very specific bone to pick with it. > You are acting like I’m saying people shouldn’t buy VT. I’ve already stated it’s a solid choice, just explaining the few reasons someone might pick VTI over VT. Who is not listening to whom? I directly responded to many of your comments and you're droning on about fund selection. > (and for the 5th time, VT is a fine fund to invest in) Point me to where I said this was wrong lmao. we have yet to discuss the tax placement, buying frequency, investing goal. There are trade offs to both funds. The only bone I picked was with your liquidity comment and lack of bringing up a foreign tax credit. grow up

bushed_

> offers superior liquidity thats the point I was arguing with. it literally doesnt mattter, its not relevant. > At the end of the day VT forces you into global market-cap weighting forever…which may be optimal, but removes all strategic flexibility. >While VT’s internal rebalancing avoids taxable events, VTI+VXUS enables tax-loss harvesting opportunities that VT holders cannot access. When international markets underperform (which has been common), you can harvest losses on VXUS while maintaining market exposure So are you buy and hold forever and locked in or tax loss harvesting? I knopw its crazy, but you can own all 3! wow! all of the funds rock. theres no reason to make these terrible blanket statements all of the time.

FafsaCompleter

Im in my early twenties and have 10K invested (8k in VOO & 2K in VT) done through Robinhood. This new year I recently learn of the power of Roth IRAs and im kinda upset that I didn't utilize them sooner. (Btw, I have Robinhood Gold. In other words, I bought Robinhood gold without using literally their best feature of a 3% match to IRA contributions. Dumb, I know). I missed out on the 2024 year and thought I missed 2025 as well until I learned I have till April 15th to max it out. But that means I have to put $7k into the account in 3 and a half months (\~$2K/mo). I was (and still am) fully resolved to max it out however I could, especially since I take more than 25k per year after expenses (\~$2K/mo). That was all until I realized that couldn't I just sell off some of the stocks in VOO and VT in the individual account, put them in the Roth IRA and rebuy either VOO or VT? Would this be a wise decision or and I missing something crucial (like fees or taxes)? Should I just dedicate my paychecks to my Roth till April? Any feedback would be appreciated!

rufio313

You literally just restated the same benefits to VTI that I’ve already been saying. Even the tax advantages: https://www.reddit.com/r/investing/s/c6IziEwXku While “past performance doesn’t guarantee future results” is technically true, dismissing VTI’s historical outperformance as “meaning nothing” ignores that it reflects fundamental economic realities. While VT’s internal rebalancing avoids taxable events, VTI+VXUS enables tax-loss harvesting opportunities that VT holders cannot access. When international markets underperform (which has been common), you can harvest losses on VXUS while maintaining market exposure. VT’s “tax beneficial” internal rebalancing only matters if you’d otherwise trigger gains…it provides zero benefit during the many years when strategic loss harvesting would be valuable. At the end of the day VT forces you into global market-cap weighting forever…which may be optimal, but removes all strategic flexibility. Again, really unsure why you are so upset that I’m literally just listing reasons why someone would choose VTI over VT (and for the 5th time, VT is a fine fund to invest in). Is there something else going on in your life that would lead you to invest so much time in pointlessly arguing with me about something I’m not even arguing, while essentially ignoring every response I give you and to keep arguing the stuff that I already said doesn’t really matter much? I feel like you need a win. Take this champ 🥇

bushed_

> and the fact that VTI has outperformed VT historically past returns != future returns. means nothing. the liquidity reason is not something anyone with a $100M should care about at all. youre just kind of clearly talking to an ai and then talking out of your ass. its kinda funny

rufio313

You are acting like I’m saying people shouldn’t buy VT. I’ve already stated it’s a solid choice, just explaining the few reasons someone might pick VTI over VT. The liquidity aspect, while there, is not a strong reason in and of itself which I also already admitted to. The main reasons are being able to choose your exposure to foreign markets and the fact that VTI has outperformed VT historically. Bonus points for having a lower expense ratio. I’m sorry if I offended you by answering the persons question.

TreGet234

VT seems good. Max diversification. Right now doing better than spy but that's very unusual.

RagnarokWolves

VOO if you're comfortable with the US always being the world economic leader, VT if you want to come out on top no matter if some other nation starts rising up. If you put it in a Roth IRA, the earnings are able to be withdrawn tax-free at 59.5 years old. You'd be gifting her $100-$150k for retirement. (in today's money) She can withdraw the principal (not the earnings) before then if she really needs it for college or something.

rufio313

Actually, while you’re correct about creation/redemption mechanisms handling large orders efficiently, there’s still a valid distinction worth considering between VTI and VT’s liquidity profiles. VT holds approximately 9,500 stocks across dozens of countries, including thousands of small-cap international stocks in emerging and frontier markets with limited liquidity. Some of VT’s underlying holdings…particularly small-cap stocks in countries like South Korea, Taiwan, or Brazil trade in much thinner markets with wider spreads and potential settlement complications. When authorized participants create or redeem VT shares, they must acquire or dispose of these less-liquid international securities, which can introduce friction costs that don’t exist with VTI’s purely domestic holdings. VTI’s roughly 4,000 holdings are all U.S.-listed securities trading on highly liquid exchanges with robust market-making infrastructure and same-day settlement. The creation/redemption process is cleaner and more efficient when all underlying securities trade in the same time zone, currency, and regulatory framework. Additionally, during market stress or international market disruptions, VT’s authorized participants may face challenges efficiently creating shares if certain foreign markets are closed, experiencing circuit breakers, or dealing with currency conversion delays. VTI has no such cross-border complications that could temporarily widen spreads or delay order execution. So while you’re right that both funds handle large orders well under normal conditions, VTI’s purely domestic structure does provide a structural liquidity advantage through simpler, more efficient creation/redemption mechanics. Let me know if I’m off, always glad to learn. I’d prefer if you were less of a dick in your responses though.

Badmoodsbear

VT and chill

made_in_bklyn_

Lending Club is offering 4% for it's HYSA (called level up). Put your money there so it's at least beating inflation while you figure things out (and also don't have it locked up in a CD). Personally, I would open an account with Fidelity and invest the money in VTI & VXUS or you can simplify your life and invest in VT. If you don't have a Roth IRA, open one now and dump $7500 in (the max contribution this year) and let that settle. Maxing out a Roth is a good idea no matter what you ultimately decide. With an individual brokerage account, you can take the money out at any time (don't have to wait until retirement). This is where my house find is and it's doing well. If the market tanks, which is always a possibility, I won't buy bc I'm happy/comfortable where I am. If you're set on buying a home in 3 years, then just keep that money in the HYSA and don't invest in the stock market. I happen to be up 17% since I started but it's always a risk.

VerdantPathfinder

Same as they were for 2025. HEI, BRK.B, F, WSO, COST, and VT (last is not a stock, obviously ... I moved out of a couple individual stocks and into that last year). I did not beat the S&P500 last year (16.8% vs. 17.something) but I usually don't in big up years. I tend to be crash-proof, though (e.g, in 2022, I was up 3% while the S&P500 was down almost 20%). I'm still beating VOO CAGR by about 2% over the last 17 years.

Busy-Difficulty-4757

VOO = SP500 VTI = US stock market VXUS = International stock market VUG = US Growth stocks VGT = Information Technology VT = Total world market This gets asked a lot, search the sub https://www.reddit.com/r/ETFs/s/JSEJEY1mzi

AnkleMuncher64

This is absolutely not the place to make an income to quit your job especially young bro, just load up on SCHG or VT, amzn looks pretty safe for some growth this year

TreGet234

Next liberation day style crash i will max out margin and put it in VT and make lots of free garanteed money.

YouShallNotPass92

VT and chill is the way

TreGet234

VT and chill.

dissentmemo

VT

Emotional-Power-7242

I mean VT but yeah

Midnightsun24c

VT and chill.

yottabit42

No, VT and chill. It always has been. Maximum global diversity and no uncompressed risk.

Cruian

A global portfolio (like VT, which is US + international in one) can be beneficial to both returns and volatility compared to a US only portfolio (which VOO would be) in the long run. Recent history has favored the US over international, sure, but we've seen many periods even stretching over multiple decades where the end winner would have been international over the US (examples: every decade between 1950 and 1989 as measured xxx0-xxx9 favored international over the US, as did the 00s, which led to all excess returns since 1950 that the US enjoys today only coming from around 2010 or so until now). I always forget which subreddits allow which links (other than Bogleheads, Portfolios, and Personal Finance), so I'll link you to a recent post in one of those subreddits where I had a lot of it: [https://www.reddit.com/r/portfolios/comments/1q3xgly/comment/nxo7ym6/](https://www.reddit.com/r/portfolios/comments/1q3xgly/comment/nxo7ym6/)

Cruian

Which doesn't tell us about the next 10 years or 20 or 50 years, as we've seen periods of that duration or longer where the winner would have been international over the US (meaning VT would also have beat VOO). Using VT or VOO gives a very limited sample period, but we have several additional decades worth of data that paints a very different story by way of the indexes or looking at the broad class.

Jarkside

VT dawg

fruitloop00001

You can lose years of gains doing that. A better way is to follow the asset allocation pyramid. You keep the most funds in low risk funds, then allocate a small percentage to actively making moves. Every so often, when things are going well, you rebalance to maintain that small percentage target. I do ~15% individual stocks, ~5% in various derivatives, and ~80% solid VT and target date funds.

sonicking12

VT is more diversified than VOO or VXUS alone.

alex1024__

VOO has outperformed VT over the course of history. In the last 10 years VOO is up 306.54% and VT is only up 214.23%.

BitcoinMD

Having to manually control my international allocation (or, more accurately, not having to) is exactly why I buy VT

BitcoinMD

No, it’s VT and chill. Why limit yourself to 500 stocks from one country?

rufio313

It’s not “fixed” in that it never changes, it’s fixed in that I have no control over it. I prefer being able to customize my exposure. Regarding the “lost decade,” it’s worth noting that U.S. outperformance has been more consistent historically…international has only outperformed in sporadic periods, and recency bias from 2000-2010 may overweight a single decade’s results. Also if you really want to take advantage of taxes, The VTI + VXUS split enables tax-optimized placement…you can hold VXUS in tax-advantaged accounts (where foreign dividends are higher) while keeping VTI in taxable accounts. VT obviously doesn’t allow this flexibility since it combines both markets in one fund.

Virtual-Ducks

I prefer VT. VOO you miss out on mid/small us companies and all international. 

watch-nerd

VT and chill now given high US valuations and dollar sell pressure

wrathoffadra

Not VT?

wrathoffadra

Not VT?

NovelBank401

VT is not fixed 60/40 VT ER is 0.06 now, penny pincher Liquidity doesn’t matter for buy and hold Your same reasoning for outperformance can be the exact same reason for underperformance, like 2000-2010. Not saying you won’t be right, it’s just a bet at the end of the day. Global portfolio provides better outcome certainty

tillZ43

VT and chill

ch33ky_n1nj4

VXUS and VT outperformed VOO last year and are continuing to do so. International stocks are doing much better since the US dollar devalued

dissentmemo

VT

rufio313

VTI has delivered significantly stronger returns over 10 years due to concentrated exposure to the outperforming U.S. market, particularly in technology sectors. VTI also costs less with a 0.03% expense ratio compared to VT’s 0.07%, offers superior liquidity with higher trading volume, and allows me to manually control my international allocation by pairing with VXUS rather than accepting VT’s fixed 60/40 U.S./international split.

Condog5

It would go in VT

sonicking12

VT and chill is always better for looooong term

Snowbirdy

Today is the first trading day after the attacks. What did VT, VTI, VXUS (and yes, VOO) each do? Answer: VOO and chill or, as I prefer, VT and chill.

Heres10bux

why not just VT?

Helpful-Staff9562

It was always VT and chill

Rockatansky77

Pick what works for you and let's you sleep at night. -The Psychology of Money 32%QQQM 32#%FTEC 24%VT 4 shares FUTY and 12 shares APLD in my wife's Roth. I have the same at a different % and instead of FUTY-RING with stocks. I sleep just fine.

jaydee288

Nah VT and chill the new VOO and chill

LemonTeaCool

Today I'm starting to realize that investing 100% in VOO, or VTI, or VT, just means that you're guanrenteed to be average. To me, average means getting a C grade. I think moving forward I'm going to allocate certain percentage into stocks that will outperform and put out better numbers than the average.

EveryPassage

VXUS and VTI basically make up all the holdings of VT with VXUS being all the international portion and VTI being the US portion. So I would look at VXUS.

OpticallyMosache

That's a good point. My thought was just trying to add something besides 100% VOO. Based on your point, my international exposure could/should be by holding a non-US total market fund. What ETF would cover the 40% international I'm getting in VT?

EveryPassage

What's the idea for both VT and VOO? VT is about 60% made up of companies in the S&P500?

helpwithsong2024

Or you just buy VT and chill and not have to think about US vs. International ever again.

MomentPrestigious180

Judging from last year, VTI +15% VXUS +30% VT + 20% Yep, that's something.

OpticallyMosache

Rolled over $300k from prior employer's 401k to a personally managed IRA. 60% VOO 35% VT 5% IBIT Starting new employment soon and will build up a fresh 401k. Age: late 30's

DiegoMilan

With the small amount you’re investing, you’re better off going all in to an index and not diluting your investment across a bunch of places. Also i believe spdr 500 is tracking s&p , which means there’s overlap between that and VTI. If I were you, I’d either go all VTI or VT depending on whether you want international or not. Mag 7 will be included.

Spl00ky

VT is all you need

jaydee288

Switched everything over to VT this year. Best decision I ever made.