VT

Delicious_Put_5857

just buy VT

Gimme_All_The_Foods

VT, which tracks the global stock market, should be the default choice. Only deviate from that if you have a very good reason that you will stick with for decades.

Dynamatics

FTSE-all world is a (benchmark) stock index of around 4000 companies around the world. As it suggests, it tracks the entire world instead of one country like the S&P 500. Popular ones are VWCE / VT / WEBN and there's plenty more with nuances depending on what region you're from. QQQ is the Nasdaq 100, which is heavily weighted towards tech companies in the US. So as you can imagine, that blew up the past few years with AI and Semi Conductors. But the Nasdaq isn't all sunshine. It can make you wealthy in a few years or break you in one or two bad years. This is why it's recommended to not have more than 20% of your investments in high risk stocks/etfs like the nasdaq unless you have a gambling addiction. If I was a new investor (which I sort of am), I'd just put 100% of your stocks in an all world index (I use VWCE) and don't bother touching it for the next 30 years. It's a set and forget kind of thing. There's nothing wrong with putting it in the s&p 500 like most US people do, and I even think that the US will outperform the rest of the world for the next 20 years, but there is something peaceful about not having to worry about a single country's politics/e economy.

Valvador

> Maybe diversification gets mocked during bull markets, but it's usually appreciated when leadership starts to change. I mean you can say the same thing for VTI vs VT. US market has been on a rip for like 10+ years, and people only look about 5 years back when making "historical decisions". During the 2008 housing crisis, everyone and their mother was a real estate broker because everyone was buying.

youngsimba320

we can all just buy VT and live stress free

cohibakick

VWCE is basically VT (with fewer stocks). It's fine.

greenpride32

I wouldn't go with BND at your age; you have plenty of time to ride out the ups and downs of growth equities. VXUS and FZILX underperform VTI and FZROX in the long run. The reason for this is the US has the largest economy and attracts the most capital investment (which helps to perpetuate the cycle). Also most of the leading US companies operate on a global scale, so it's not as though you only invested in one domestic economy. Over the course of the long run, the difference in CAGR will make a very meaningful difference in total return. My goal in investment is to grow my net worth as much as possible by making selections that have a proven track record; everything else (diversity) is secondary. You can compare VTI (US), VT (World including US) and VXUS (World minus US) - the more US weight the better the long term performance.

SupraTacky

You should protect that 50k. That’s a good start but if you don’t learn you’ll lose it quickly. Size your positions appropriately. Protect the downside maintain the upside. Or go 100% in VT.

kmouratidis

Now if MU opens at $850 (or hovers around it close to open) I'm getting out and into 40% VT / 60% mix of world gov bonds, and then I'm asking IBKR to downgrade my trading permissions. >!Just kidding, I'll wait a few months to be fucked by RDDT before I eventually do it.!<

IllllIIlIllIllllIlll

VWCE does not have "higher returns and more risks". It has less risks, it's more diversified. It has 45 billion € AuM. It's the largest all-world ETF available to European investors, so much so that the saying is "VWCE and chill" instead of "VT and chill". That being said, it's not the most attractive TER at 0.19%. The new Xtrackers FTSE All-World ETF has only 0.07% TER.

Aggressive-Donkey-10

buy the ETF VOO for sp500 or buy VT for whole planet's stock market, then do nothing until you need some money, then sell some. The longer you wait the more it will grow, as the hundreds of businesses are growing each year and generally their stock price trends up over long term. real estate is also good investment if you are good at it Vanguard ETFs , like VOO, VT are simple, cheap, easy way to own many businesses

SufficientDrawing491

VT for the win.

plowt-kirn

"into some Vanguard" is not an investment. Can you please be more specific? If you're talking about a broad based index fund, the chances of it going to zero are virtually nil. Something like VT, VTI, or VOO.

Delicious_Put_5857

gotta have a system to take some winnings out and put them into VT only account or w/e

taplar

I would point you to ... - https://www.investor.gov/introduction-investing - https://www.investopedia.com/articles/basics/03/050203.asp I don't really like to tell people what to invest in, and would rather point them to learning resources, since everyone has to learn to take responsibility for their own investments. But if I *had* to, I'd say start with either VOO, or VTI, or VT, and as you learn more about investing start to diversify more when you have a reason to do so.

trix_is_for_kids

lol you shouldn’t be paying anyone to manage your port unless you’re mid 7 to 8 figures. This person should just buy VOO/VT and not pay attention to the market

Abject_Wish_3787

THERE IS A REASON WARREN BUFFET SAID 99% of people can't beat S&P in 10-20 years. Mark this manipulation as that advice and go 80% VT and VOO and 20% of your fav stock

kairepaire

Yes, that is why the gold standard is "VT and chill". Absolutely no stress and virtually guaranteed gains over the long term. The stress factor really is very big when buying singular stocks. And options traders ofc are absolutely fucked from the beginning

thorn960

Why not just VT and chill? All the diversity you need. VXUS + VTI if you want to adjust the non-US exposure.

GeneralDash

The other response was half right. Notice how he talked about specific individual stocks? That’s a terrible idea, especially if you’re “new to this.” Actually, it might be worse if you aren’t new, because you’d be more likely to be over confident. Anyway, buy a diversified fund like VT. Literally just buy and don’t look at it or think about it deeper. It couldn’t be easier. The hard part is doing it for years and never thinking “I can do better” you can’t. Someone else could, sure, but *you* can’t, and that’s okay, this is more than good enough.

SpicyElixer

The problem with exceptional markets and exceptional sectors is they’re already priced exceptionally. It’s one of the biggest risks of being all VTI and not having VT/VXUS. (guilty)

Plazmarazmataz

I mean at this point everything is choppy, safest is just drop it into VT or something. Track the whole market.

MonkeyHustler943

Can someone do the math on what it would be now if he was a simple ape that did an s&p500 etf position or VT lol

Every_Tap8117

Once a month and always buy in reguardless VT 90% 10% SPY/US Tilt.

spilledonwhite

Should I full port VT and crash the global economy? Do you dare me?

seacloud6

This issue is exactly why VT is the core fund in my Roth. I have no desire for a fund to sell the biggest winners just because they won too big.

poopy_wizard132

VT shares

Art_Crime

I don't agree. The government needs some amount of money printing to keep cash flowing to lenders and banks. Every single person in this thread is looking only at CPI and not core inflation. Core inflation iirc is the measure of inflation excluding gas and food. Currently, it sits at 2.5%. Furthermore, inflation encourages entities to invest and to spend money rather than hoard it. If i knew that inflation would be 0, then I would not buy VT, I would buy SGOV and TLT and just sit on it.

Unlucky_Picture_1174

The problem is, nothing is ever guaranteed. For me I’d avoid putting a bunch of eggs into one stock. It only sets you up for disappointment when they have red days. If they go backrupt for whatever reason, you are screwed. VOO and chill, add VT for exposure to global stocks, buy red days, the bloodier (lower) the better, check back in 30 years, don’t waste your time with individual stocks unless you wanna day trade as your full time job. I started this strategy 3 years ago and i’m up 30%. This is the most braindead strategy in existence that yields consistent returns. Highest return? Nope, but returns nonetheless.

Timbukthree

Man, seriously, just put consider this a $3400 lesson that you will only lose money if you try to day trade. Toss your $10, and any money you don't need for the next 10 years, into VTI or VT or AOA and just let it sit. Save this screenshot as a reminder that literally every idea you had for trading lost you money, and that's exactly what will happen again if you keep trying this shit.

Swred1100

Yes my bad, I always confuse them. In my head I read VT as total, and VTI as total international everytime I see them

Swred1100

Like the share price ? That’s just what it is lol… in reality it doesn’t matter, although a lot of people think more shares is better and it can be a weird thought experiment. But mathematically, having 1 share at $500, and 5 shares at $100 is the exact same. If you return 10% in a year, either way you still have $550. If you just like having higher share counts, there’s other ETFs that track the same things, but VOO, VTI, SPY, VT are generally the most common.

Swred1100

SPY is the 500 largest US companies. VT is I believe between 4000-5000 companies all over the world. The US has seen massive growth in the 2010s, outperforming international. There are times it’s the other way around, and there are times they are about equal. SPY, VOO, etc., you only return what the US does. VT you return what the world does. And VTI you return what everyone *except* the US does

Abject_Wish_3787

People have 3 mil and are still not satisfied :( Brother, put that in VOO or VT and go on permanent vacation

wiy_alxd

Step 1: Set up a set % of paycheck as autobuy of VT. That's it. No step 2.

luckysharms93

Assuming American, VT and forget about it Canadian, VEQT and forget about it

snkscore

Most investing decisions are about limiting risk to the right level, at 1M/year, risk is meaningless, assuming the person is spending well under 1M. I'd put it all into some stock index fund, VT is just as good as any other (VTI, VOO etc) and never touch it again. Leave it to my heirs with the free basis step-up. The better question is what does this person want to do with their money. They don't need to invest to fund their retirement so what DO they want to do? Fund/found a charity? Build a scholarship fund? Leave as much money to their heirs as possible? Gift as much as they can to people they care about each year while their alive to help those they care about? This question is much more important than their investment allocation, which really doesn't matter for this person (but shouldn't have any bonds).

bwhite9

Depends a bit on the exact starting parameters you set out. 1. If the 1 million is nominal and won’t change with inflation. You’ll need to be in some kind of yielding assets to hedge inflation risk. 2. It’s also important to explicitly define what kind of risk something like VT has. It’s basically only volatility risk. A board market cap weighted index fund has a positive expected return. This does expose you to sequence of returns risk but that is hedged by the cash flow and bond allocation.

Swred1100

I mean, I’d just go all VT. You don’t need any bonds or anything because you’ll never need the income. May as well create generational wealth. Live off of $200k/year. Invest $800k a year, 7% real return gives you $54 million, or nominal 10% return gives you $86 million over 25 years.

Lemurjeopice

.22 is VT, our man here is a Bogglehead

bwhite9

I feel like none of this changes anything. You buy VT and a bond fund at whatever ratio makes you happy and get on with your life. Honestly hiring someone to actually do the work isn’t a bad plan either. Even if all you use them for is some to do liquidity management and trade execution.

Flimsy_Lavishness_29

I'd be looking at a mix of Treasuries, CDs, and maybe a short-duration bond fund. Or maybe 10k in something safe and 10k into VOO or VT.

TreGet234

VT 💁‍♂️

Abject_Wish_3787

MM is making sure no one has money left , all looks very planned, the hourmuz darama, the Kospi killing, scammed stuff, just buy VOO or VT, at this point I will suggest not even buying voo rigged

drew-gen-x

That's why I stick to BTD in indices like $VT and $VXUS at time like these. I have no idea what stocks are gonna rebound or continue to sell off. I'll gamble & buy individual stocks when everything is going up.

StephenMorphIQ

I’d evaluate this as a separate short-RUT-convexity strategy, not simply income generated by SCHG/VT. Cash settlement removes share delivery and early-assignment mechanics. It does not make the position economically covered. SCHG/VT and RUT have materially different factor exposures, so matching option notional to portfolio value leaves beta, correlation, volatility, and gamma basis risk. The asymmetry matters: * On a sharp decline, the core portfolio falls while the short RUT put also loses. That is wrong-way risk. * On a rally, core gains may offset part of a short-call loss, but the hedge is unreliable because SCHG/VT and RUT are different exposures. I’d want to see the overlay measured through: * core-only time-weighted return versus core-plus-overlay; * overlay return on peak margin or allocated risk capital; * maximum intraday drawdown, not just realized daily P\&L; * average win, average loss, worst loss, and every roll recorded as a close plus a new trade; * overlay P&L conditional on the core portfolio’s worst 5% of days. That last number tells you whether the overlay adds an independent premium or simply magnifies the portfolio’s bad days. One year, 198 trades, and a 90% win rate are not enough to estimate the 0DTE gap tail. What were the worst intraday mark and peak margin usage?

drew-gen-x

If your being serious, I kinda doubt how you fucked up if you have $500k in cash. This place is littered with stock advice from peeps that have no cash in the market pumping comments w/ the help of bots to pump up user engagement to sell to ads to advertisers. If you are serious, just DCA into $VT and buy the entire fucking world. Someone, somewhere will figure it all out. A 12 oz can of coca-cola used to cost 50 cents. A pack of cigarettes used to cost $1.50. The CB's of the world will make sure a Big Mac value meal will cost $50 w/i 5 years. The only think they know what to do to solve crisis is to turn on the money printers to go Brrrrrrrrrrrrrrrrrrrr..............

Optimal_Pineapple147

I'd start with a low cost etf, like voo, vti, or VT for everything. Then, if you find a company or sector interesting, you can dive in. I like watching YouTube videos, sped up a little. This is a marathon, the important thing is to start, and pace yourself. Don't go all in at once. You'll learn as you go. You wont know your true risk tolerance until you see some red and evaluate it. Knowing your risk tolerance helps you build your portfolio. Don't sell until you understand tax implications of different funds, different accounts, and wash sales. Some people just pick a fund and dca into one fund, spending 5 minutes total and never thinking about it again til retirement. Everyone is Different. If you want to be more involved and spend some time, be patient with yourself and give yourself some time to learn the things, but not so long you lose out. You can learn about more things to screen for, Sector rotations, different fund types, etc. Just start with a small allocation and DCA into what you discover as your portfolio evolves.

Wilthywonka

Put money into VT. Since you're 18, every dolar you put in will become ~20 dollars after inflation when you are retired. Why invest money for retirement when you're 18? Well it means that when you're 30, 40, 50 you don't have to put as much away. Every dollar you put in now means $2 you don't have to put in when you're 30, $4 when you're 40, $8 when you're 50. For example

luckysharms93

>and that scared money is never going to make me rich. I mean, that's mostly true. Concentration builds wealth, diversification maintains it. Nobody ever bought a yacht investing in VT

smalltalk2k

If your timeline is 15+ years, the strategy doesn't change: Stay the Course: Keep buying broad, market-cap-weighted index funds (like VTI or VOO, or VT). A crash just means you buy the best companies in the world at a discount. Dial Down Risk if You Can't Sleep: If the volatility genuinely terrifies you, don't try to pick AI-free stocks. Just shift a percentage of your portfolio into fixed income (like short-term Treasuries) or an equal-weight index fund (like RSP) to dilute the mega-cap concentration. Time, not timing, is the ultimate hedge

djd1985

It took me a couple of years to finally realize that making a three fund portfolio, or an all-in on something like VT is the way to go. These strategies reliably gain 10%+ a year on average and you don’t have to think about it. Set it and forget it.

Ancient-Swordfish292

Retail options traders lose money. Retail day traders also lose money. VT and chill.

Ladyvp05

I opened an account. As of now it's only SPYM. Eventually, they will allow other variations of the S & P 500 and total US Broad market funds. I don't think VT will be an option. All investment funds must be US based during the 1st 18 years from the information I read.

burn_bridges

I’m taking the free $1,000, putting it all in VT, and not touching it again. A free $1k is a free $1k, even if it doesn’t come with other advantages to add on.

Valvador

Like how big? Like 10%, 20%, 50%? My largest concentration of stock I ever had was my own Employers RSUs. They kept going up and up and up, which made it seem stupid to sell, but it was basically 100% of my net worth at the time. It was having that value crashing down and the emotions of "what the fuck was I thinking?" that forced me to form a plan to diversify out of it over a set period of time to avoid the FOMO of the potential rebound, while also getting me closer to my goal of being diversified. It took 3 - 4 years to properly diversify and while I did not sell anywhere near peak, I did sell on average way higher than the "bottom" it dropped to that forced me to learn my mistake. The reality in hindsight is that I was basically financially illiterate. My family moved here from a collapsed USSR country, and where rapid "democratization" gave everyone stock options of the formerly public companies they were a part of and people that eventually became oligarchs tricked everyone into selling their "stock options" for cheap. To some extent, I still feel like stocks are a psychological game at a mass scale. It only keeps growing if the population keeps growing and everyone is piling in with 401ks, but it's still better than holding money in cash of Bonds. Take a deep breath, make a plan that will make you comfortable with the money you have invested regardless of whether it goes up or down. Here is the mental model I have now: * My company stock goes down, and if majority of my Net Worth is with my company I feel like I failed and I'm stressed because I think we have the power to do better regardless of the reason of the stock drop. * VT, VTI, VXUS goes down significantly, the entire world's market's are fucked up and there is nothing I can do about it and as long as I have the cash I need on hand I can wait it out. Owning a single stock feels suddenly makes it personal, emotional. Owning a basket feels like buying into a system. Buying into a system allows you to absolve yourself of emotional consequences (unless you truly invest the money that you still need soon).

2plus2_equals_5

Total market index funds. VTI/VXUS or VT

dogs_gt_cats

First, good work getting the emergency fund part handled. They're incredibly important to have and maintain. As for investing, start simple - buy the whole haystack rather than finding the needle (which is what you're trying to do when you talk about analysis and all that stuff). Realize that there are entire industries with legions of people built around trying to find that needle, and none of them are successful over the long run. If you think you individually will be able to do it, well, have fun. Some people beat the market over the short term, pretty much no one beats it over the long term. That means buying something like VT/BNDW. Those two funds give you investments in equities and bonds throughout the entire world. You could honestly invest in that your entire life and likely turn out ok. Beyond that, as you get more experience, you'll realize there are certain sectors you like more, or want more concentrations in. Then you add those to "tilt" your portfolio in those directions. I strongly recommend reading these books: 1. Richest Man in Babylon (so much better than Rich Dad Poor Dad) by Clason - great for general finance and understanding how to handle money. 2. The Little Book of Common Sense Investing by Bogle. This goes into great detail about how to structure a successful portfolio in a simple, low cost way. It's based on Bogle's on research when founding Vanguard, including his research into scores of actively managed funds that tried to beat the market. Out of all of them, only 2 beat the market over the sampling window. Adding an additional few years, and those 2 also failed to beat the market. This is why trying to beat the market is a fool's game. 3. A Random Walk Down Wall Street by Malkiel. Builds on Bogle's book, but is a bit more advanced. 4. The Intelligent Investor, by Ben Graham. This is the book that made Warren Buffett. It's dense, but is an absolutely fantastic read.

vertigo88

You don’t. Just buy VT/VTI/VOO/QQQ or some mixture and flavour and chill.

muddledexistence

i don't. better to put that time researching into other things in life. passive index funds with broadest exposure are the way to go. if US based it's VT. if Europe/International based its VWRA or similar. There are other funds like NIFTY 500 Index Fund which allows Indians to have exposure to 90-95% of India's stock market. So I like that as well.

aquaticsardonic

VT and beer me

EpicDOgeMC

It’s genuinely true though. In most things learning will always improve your performance. In investing that’s really not the case. Any time spent learning is honestly waisted time. All you need until you retire to know is open a roth, fill up your 401k to match, 3-6 months of expenses in SGOV or a HYSA and the rest in VT. Literally all you need to know right there.

EpicDOgeMC

I built an interesting statistical model that really puts this in perspective. The base line is the markets distribution, with a steal right tail (4% of stocks generate all of returns). If you buy 1 stock, vs every stock, your mean outcome is the same. However, more realistic is your median outcome. In a fully diversified VT portfolio, your median outcome = your mean. \~9%. However, with 1 company it’s actually negative. Every company you add to the portfolio slightly increases the median until it converges to the mean. So, buying anything except the pure VT actually is loosing a premium of your expected median outcome. Even picking an investment fund like VOO or a thematic option is as well. And if your picking individual stocks, that amount you loose rises even higher. So active investing isn’t just a 0 sum game around the market mean, but the market median, which scales based on how concentrated you are.

Art_Crime

VT covers a much broader share of the global market compared to MSCI. Regardless, you would then know that in the long term the market recovers. Even then VT has less overal and weighted overlap compared to Dimensional/Avantis and VWO.

taplar

Or just buy VT

milkplantation

Nothing will survive a true crash. Outside of short term treasuries, everything will get crushed. A market correction is inevitable, but we also can't predict the cause or type of market decline, so it's difficult to forecast which ETFs will fair better. As an example, VOO's valuation is very rich, while VXUS has a lower valuation. Logic would suggest that VXUS is priced for more growth over the long term, but few could have predicted the current issues in the Middle East. Global and emerging markets are more sensitive to fluctuations in oil prices than the U.S., and accordingly, when Hormuz was shut down, VXUS was hit harder in the drawdown. So, as the saying goes, "diversification is the only free lunch in investing." With that said, you could buy the whole market with 80-90% of your portfolio in something like VT total world ETF. Or, you could mix VTI and VXUS to a ratio that suits you. It's also worth noting, though not an ETF, Berkshire Hathaway is a diverse holding company and stock with the most downside protection. They have 400 billion dollars on the sidelines in the event that a crash does occur. They also have a floor in how far the stock can actually fall as they buy back their own shares with that 400 billion if the price decreases enough. They also hold a lot of recession proof businesses like railways and energy companies. The stock tends to underperform the market during a bull run, of which we're currently in, so you will have to accept less portfolio growth in the near term in exchange for that downside protection. One last note, keep your cash in a high-interest savings account (HISA) or buy short term treasuries (T-Bills). Both HISA's and T-Bills are often called cash equivalents. They'll mitigate the capital loss caused by inflation while giving you modest returns with zero downside risk. SGOV is an ETF that acts like short term treasuries, paying you out with a dividend by holding government debt. Look into how this works. It adds up.

VegaGT-VZ

Rich powerful people benefit from the markets remaining high So they will probably remain high until they absolutely cant Theres also really nowhere else to get decent yield so its a supply/demand dynamic We know this script. You probably went all cash on a hiccup to "jump back in when it dropped". Then it never dropped. Instead of admitting you made a mistake, you blame the market. "I cant possibly be wrong, the whole system is wrong". No maybe you just made a mistake. Just auto buy VT and leave the market alone. You are in the 95% of people who cant make a profit in active trading. And thats OK.

Stanbarrwood

I don’t VT.. I do the same thing though with two funds lol. Extra protection because more is better! Joking

CursedClownz

How do you protect urself from that? Just invest in global etf like VT

EpicDOgeMC

If you are focused on wanting to make as much return as possible on your investments, don’t try to learn. People deeply deeply underestimate how competitive markets are, and to generate extra return, you have to have extensive skill and knowledge beyond anything someone not pursuing finance as a life passion can have. Just invest in the VT - total market equities fund, and a HYSA or TBIL fund for short term needs. If you are genuinely passionate about finance and are fine knowing that learning won’t actually increase your return, then go for it.

drew-gen-x

Would you like to buy the entire world?? $VT and chill.

drew-gen-x

You can always start by dipping your toes into the market and just buy dips in $VT. You are buying the entire fricking world stock market and not just US stocks if you are that worried about bubbles. The money has to go somewhere.

Efficient-Fudge-3515

Tbh no matter how many people may disagree with me, you will almost certainly make more money over the long run just buying an ETF like VOO or VT and holding it. Most people who actively trade or use options drastically underperform VOO holders over a 20 year+ period. Ik this is the boring answer, but investing shouldn’t be fun, because that’s how it becomes gambling. Don’t ask me how I know.

Maximus77x

continuing to drop automatic contributions into VT every two weeks

bhope95

Spacex and Tesla are both overhyped garbage. Sounds like he's a tech and Elon fanboy. SP500 is an ok investment but you should buy a globally diversified etf like VT. Don't touch QQQ there's really no case to be made for it. Amazon and Microsoft are good but you'll already have exposure to it. I never by single stocks

Hoixcio

Not even the bottom yet. Two green days of relief so I took some decent profit and rotated some to VT, but I guess you are right I panic sold everything etc

tremblingtallow

I believe they did recently drop expense ratios, including for VT, but I remembered VOO being lower so I just double checked in my brokerage account. .03 for VOO vs .06 for VT I still think VT is worth it for the "set and forget" nature of it, but you will pay a bit more for it

youngishgeezer

I hope you’re investing this in an IRA. If it’s in a traditional brokerage you should consider splitting your VT investment into the US portion and non US portion by buying VTI & VXUS instead. It slightly lower fees, but more importantly will let you reduce your taxes on the foreign fund distributions. But really just aim to max out your Roth IRA every year and buy VT. $100 per month is a great start.

EducationalLemon6918

Why not VT instead of voo?

Thermogenic

One thing I’ll add is VT is a bit inefficient in a taxable account. In a taxable account you may be better off with a blend of VTI and VXUS to have roughly the same coverage but capture some of the tax benefits of foreign dividends. VT traditionally does not have enough in foreign investments to be eligible for the foreign tax credit.

jemicarus

I'd buy RSP the equal weighted ETF at this point but many will disagree and if you don't want to think about it VOO will be just fine. VT would be better, the all-world index.

CustomerSingle3173

Its only VT, XLI, and RIVN in the brokerage account. This pic is like 2 weeks old and it's the same. 5 shares XLI, 1.3 of VT, 5.6 of RIVN lol https://preview.redd.it/q2m6kru8u3ch1.jpeg?width=1080&format=pjpg&auto=webp&s=3fab5f3a530c7edb8dec6c10f1bdb7eb2197d995

poopy_wizard132

VT

drew-gen-x

There's a lot to be concerned about with the absurd valuation of $SPCX entering the Nasdaq. I don't know enough about when it will enter the $SPY or $VTI. I did buy some $VT today and I'm sure $SPCX will be in there as well, but at a much lower concentration than $VTI. And we are gonna get OpenAi piece of shit IPO eventually as well. The markets need to follow the old rules where a stock had to wait 2-3 years before entering the S&P and Nasdaq. This is another reason I am more bullish world ex US over US stocks. There's risks everywhere, but the Nasdaq is super concentrated w over valued stocks bleeding cash right now. Mag 7 super spenders and now Space X and soon Open AI. And it would be 1 thing if these stocks made up 10-15% of the market cap concentration of Nasdaq. But it's gonna be near 40% after Space X is added to the Mag 7 stocks.

bhope95

VT not VOO. VOO lacks global and market cap diversification

malignantz

$100/week on $VT is better.

Regular-Print2896

Okay, ill try that then! I hear even VT is a good back-up plan. Thanks for the feedback! ❤️

maicii

It’s fine. You can do VT instead which also has some exposure to international markets which makes you more diversify. But yeah, it doesn’t have any problems

drew-gen-x

HAHA. None of us know what will happen. $MSFT could absolutely outperform. They have the track record. I'm just positioned otherwise. I thought about opening a position in $SOXX; but I hadn't added $VT in months so I played it a bit safer and added there and to $EWJ (Japan). I'm very bullish on Softbank, Kioxia, and Sony so I've been buying the entire Nikkei.

PutinBoomedMe

VT is market cap weighted so the S&P500 (VOO) is still 55% of what VT is invested in. The remaining 45% is invested in every other publicly traded company in the world. VT is also only .06%/year management fee; same as VOO

Regular-Print2896

Oh wow! Yea ill be looking into VT soon! Thanks for letting me know ❤️

PutinBoomedMe

VOO is just the 500 largest stocks in the USA. VT is the global stock market. If you believe in asset allocation and diversification VT is the easiest way to be 100% in the markets but have your eggs spread across as many baskets as possible. I'm pretty sure VT has almost 10,000 stocks in it

PutinBoomedMe

Just buy VT and be done

Regular-Print2896

Thanks! I heard the VT and VTI were some solid global trades ❤️

VegetableJunkie

It would be best to put everything in VT, so you can capture returns of the entire global economy. Stock picking, sector picking, and country picking is making an active bet that isn’t guaranteed to outperform the global market.

drew-gen-x

I bought more $VT and $EWJ. The bottom for the day is in.

Bruceshadow

> Total Market funds don't expose you properly to international markets in most cases. which ones do? VT is talked about a lot, does it not have enough Int.?

VegetableJunkie

Put it all in VT.

I_Fuck_Whales

A 3 fund portfolio isn’t losing 10% in a day unless it’s a black Monday type event. You can set all your money in VOO or VT, whatever you want to choose and just ride the waves. Usually you see some moron who has all of their $4000 in life savings in NVIDIA and they freak the fuck out and any sign of downward movement.

clingbat

I'm a boring VOO/VT ETF holder these days, here mostly to observe the insanity. I got a little burned on meme stocks a while back and learned I'm too retarded for this game if I want to retire a bit early which we're on track for.