VT
Vanguard Total World Stock Index Fund ETF Shares
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Is it ok to never have bonds if you start investing early?
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Low volatility factor investing is criminally underrated
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Is my portfolio made by my wealth manager too complicated?
Are these good lump sum buy and holds? VOO, VTI & VT
Thoughts on transferring “all” of my savings into equities
How should I invest to build wealth long-term in my early 20s?
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Would AVLV theoretically be any more profitable than a passively managed fund like VOO?
How much reasonable risk should I take on to maximize profit?
what's the point of tlt if it's just as volatile as stocks
I have a mental issue when benchmarking my portfolio - looking for advice.
Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Selling equities at a loss to pay for high interest mortgage
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
Have money in both Sofi Auto Invest and VT via Fidelity. Should I consolidate?
28yo, Is selling all my VGT and buying VT timing the market/performance chasing?
Are my portfolios any good? 96% equities / 4% real estate
"No more than 20% of one's stock portfolio should be allocated to foreign stocks? - Jack Bogle - Does this advice still ring true today?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Anything I should be doing to be more aggressive with my VOO/VT portfolio?
Why is the solar industry performing so poorly?
My un-intelligent way to make bets, as of now
What Do I Diversify Into? (small $ monthly investments)
Wanting to invest recent VA backpay - thoughts on how I'm proceeding about doing so
Invest in VTI and other "feel good ETFs" if you want to make less money.
How long do you recommend paper trading before doing actual trades?
Fidelity's Limited Automatic Investing Options vs Having More Accounts
My friend claims my method for investing may not be allowed, can anyone clear this up for me?
How is my Vanguard performance returns negative, when my investments are in the green?
why do people act like if the markets are down over a decade or more the world will turn into the last of us
How safe are ETFs if broad index funds didn't exist?
If safe ETFs broad market were an option - what would you chose?
Selling long dated deep ITM SPY or VT puts instead of holding shares.
90% are in blue chip stocks and VOO/VT (~85%). Also new to investing RIP
Should I keep holding ENVX and buy the dip?
Steak (Live Cattle) hits an all time high.
Please don't crucify me.. What is the actual point of all of this?
My Dividend Portfolio, 60 / 20 / 20 - VT / VIG / SCHD
Mentions
Anyone who tells you which are the best is guessing. Investing is gambling. Big Index ETF are a good choice for long term investment. All the big firms have ETF in each of the categories. These are some Vanguard funds. Real estate backed ETF: - VNQ US real estate REIT - VNQI Global real estate excluding the US Stock ETF - VOO S&P 500 - VT Global total market - VXUS Global total market except for US Do your research.
Open a Fidelity account and start out with VOO or VT.
Maybe. Maybe not. Buy VT and you're covered.
Any new additions in investment accounts is VT. Money is rotating out of US assets and there’s no reason not to diversify.
You should keep 6 months of *expenses* in that Apple savings account. Then you should open an account with a real broker if you haven't. Use Fidelity or Schwab or Vanguard. Put your money into a Roth IRA and invest in VT and chill. You do need to get your income up, so invest in yourself to do what it takes. Get more education, attend management courses, job hop, get certifications, whatever you can do to make yourself more marketable and to earn more money. An extra $10k a year would go a long ways toward giving you some real money to invest.
VOO is plenty aggressive and risky enough. Keep at it if your willing to tolerate that degree of risk, or diversify more with something like VT. Understand risk does not mean volatility. Volatility is your friend in investing. Risk is the permanent, unrecoverable loss of money. Make sure you have a good amount of savings on the side to weather life's storms, so you're not forced to lock in loses when it's the worst of times.
I bought my first ever ETF today. Well, sort of. Wrote puts on VT (and PFE & BRKB.) What is happening?!?
> I want a diversified, growth-oriented portfolio that provides a nice amount of dividends to reinvest. Why dividends? The only thing that you should be focusing on for this account, at your age, is total return. Dividends are meaningless. > 1 VHT - I wanted healthcare exposure You already have healthcare as a sector within VOO. > 1 VGT - Read that this paired well with QQQM [...] 1 XAR & 1 XLE - With the Trump/Venezuela/Oil situation, I wanted to be ahead You already have all of these as part of VOO. Franky, you could just be 100% VT. *For about the next decade, the amount of money you can save and contribute consistently is going to make way more difference than farting around on these under/over-weight sector choices.*
VTI, VXUS, VT. Sorry, if you don’t know the basics by now, I wouldn't trust your “technical analysis” skills for day trading. First, learn the basic concepts of investing versus gambling. Extra points if you can learn which category day trading falls into.
You were pretty specific about MSOS closing at $4.54 **today** because it would limit your downside risk go 20% though. But yeah whatever, I have been doing nothing but watching these tickers since I bought more at $4.52 I'm not buying more again as now I'm prioritizing my VT position again.
the zion of “VT and chill” brainrot
I would not follow my approach… but… Been in gold mining 100% since beginning of 2025. I moved all bonds and equity’s into fidelitys select gold fund which is gold miners. Up over 100%. Talk about doubling my entire ira/401k balance. Not play money, I’m talking I converted everything. Sure it probably was super risky. But it worked my favor. Now the phase “market will return on avg 8-10% a year” makes me think that baby returns. Haha All jokes aside. Now im too afraid to move out of gold and back into VT or s&p index fund. And what do you know, gold fund up 11% this month. Looks like I’m doubling my retirement balance this year again. Lol 😂
VT, gold and silver miners, mu.
This would be amazing if you can keep contributing during a crash or down market. You should be more worried of it going up 20% per year like it has. Just stick it in a diversified global etf. VT is a good one.
You don't know anything about the market right now, just like (most of) the rest of us. Just start automatically investing weekly or monthly in something relatively safe like VT and forget about it. Crashes or dips are great for young people because you'll be buying in at much lower levels. Most important is starting your 401k at least up to a match at work or starting a Roth IRA (if in US).
DCA into Gold and VT. And proceed to chill.
The system I use is based on a sophisticated AI analysis combining data from the last 5 years with the latest press analysis. I can create multiple Virtual-Portfolio™, analyze and compare them. After using it for your list, my system tells me: Ticker | Company Name | Price | Combined Score | Recommendation | Sentiment Score | Sentiment Confidence \-------------------------------------------------------------------------------------------------------- IOO | iShares Global 100 ETF | 127.22 | 69.70 | Hold | 0.99 | 4% QQQ | Invesco QQQ Trust | 621.82 | 80.53 | Strong Buy | 0.73 | 100% SOXX | iShares Semiconductor ETF | 349.28 | 62.40 | Hold | 0.99 | 24% VOO | Vanguard S&P 500 ETF | 635.21 | 82.36 | Strong Buy | 0.94 | 100% VT | Vanguard Total World Stock Index Fund ETF Shares | 145.24 | 78.55 | Strong Buy | 1.00 | 2% VXUS | Vanguard Total International Stock Index Fund ETF Shares | 79.20 | 75.00 | Buy | 0.99 | 20% XOM | Exxon Mobil Corp | 133.75 | 80.02 | Strong Buy | 0.84 | 100%
Buying VT which is still largely usa
I don't understand the question. Are you asking if you already own VTI or VOO do you need to rebalance with just VT?
Passive index fund investing. At a risk level you’re comfortable with. VT to VTI to VOO to QQQ to SMH. But from each paycheck and hold for long periods, decades even.
VT if you want to be a multi-millionaire in old age no matter what changes happen on the world stage, VOO if you're feeling frisky and want to go all-in on US companies.
You’re not as smart as you think you are. You can’t beat the market. You can’t time the market. Don’t overthink. Most people fret about VT vs VOO but it doesn’t really matter. A lot of people fret about saving 0.001% on an ETF fee but that doesn’t really matter either. What you SHOULD overthink is getting your income up. Invest in classes, schooling, certificates, business equipment etc to up your income. THAT is the biggest driver of wealth later, because you can’t generate a lot later without starting with a lot now. Put 80% in VT, VOO, or a target date fund and DO NOT TOUCH IT until your retirement age. Put at least 5% of every paycheck away for auto invest into that section of VT or VOO.
What are your thoughts on target date funds? They naturally have bonds that increase over time, so I was thinking maybe I should exchange VT for that since its essentially the same thing. For me it would VLXVX (The Vanguard 2065 Target Date fund). This way it would automatically adjust. The reason I haven't done it thus far is because it seems like they allocate too much to bonds in the long run. I believe at 60 they have a 50% bond allocation.
Have most of your money in something like VT with satellite allocations in gold and qqq. Have this in your bank or a seperate app. Never touch it or even look at it. Then make a fun account on a sketchy broker like robinhood. Start by investing in etfs instead of individual shares just to get a feel with relatively little risk. It will become clear to you that most of the growth is just coming from a handful of hype stocks. While those can fall just as quickly as they have risen, if you catch the wave you can make lots of money. Here is where options or leveraged etfs can make you good money, but be careful, if you invest at a peak (which can be after a parabolic blow off top) you can lose tons of money even with safe plays. This happened on october 31st, literally everything was at ATH, then everything came crashing down. That was just a little taste of what a major correction can look like. With options/leveraged etfs i would suggest broad semiconductors like ticker SMH (hard to predict which company will do well, the only constant is that nvidia will underperform), micron/sandisk/sk hynix/samsung/tsmc/asml individually, and gold/silver/copper/uranium miners. Tech/ai i wouldn't even touch right now. Space stonks work too (or jedi etf) or certain robotics companies like kraken or teradyne. Those all make 0 profits though so their growth is all hype and can pop very quickly.
Read “The Simple Path to Wealth” by JL Collins. It will change your relationship with money. It’s basically a how to guide to the /r/FIRE movement (financial independence, retire early). At 38, you have time to recover. Just keep saving and investing 15% (ideally 20%) of your income and invest in broad market index funds or ETFs. You can do the VOO or VTI and chill or if you want international exposure you can add VXUS or go completely VT and have both US and international in one ETF. A 15% rate of saving over 25 years should get you to 10x your gross income if we assume an inflation adjusted 7% ROI—this assumes 10% average growth less 3% inflation. With 10x your income saved plus social security and hopefully no debt and a paid or mostly paid off house, you’ll have a very nice retirement. If you’re a high income earner, you can accelerate this process or have a fatter retirement. What I like with index investing is you buy when the market is up or the market is down. You just keep buying and holding and ignore the noise and keep investing because it will take 20+ years before you’ve accumulated enough. Don’t get tempted to try to play catch-up. Bogleheads style index investing works as I and many others are proof of it. It’s not sexy and will get boring, but then you can use your energy towards creative endeavors versus chasing the thrill on individual stock investing.
Not for me, at least until I hit retirement age, and no more than 5% of my portfolio. VOO & VT are the acceleration and growth, JEPQ is a bit of coast, if you know what I mean.
VT is 62.5% US. https://investor.vanguard.com/investment-products/etfs/profile/vt#portfolio-composition
VT is 62.5% US. https://investor.vanguard.com/investment-products/etfs/profile/vt#portfolio-composition
Jamie Dimon had a great solution. Cap interest at 10% as an experiment in MA and VT in Sanders and Warren's state. If it works well and not a disaster we can do it everywhere.
Easier that way, sure. But with so many easy low-cost ETF options available, why buy VT and effectively go overweight US mega-cap tech at these relatively high valuations? If the past holds, US indices are in for a lost decade.
Not recommended. If you do choose to do this, just go VT.
I would only ever recommend a family member have a portfolio of VOO/VTI and VXUS or just VT. As long as they don’t panic sell, that portfolio will grow. You don’t want to be responsible for them losing money if you’re wrong. Even if you make the right picks in this moment, do you want to be responsible for managing their portfolio forever?
Yes I do know that, and I still buy VT
No universal answer to that, it depends on your conviction about what you're in now vs. what you want to be in. If you're convinced that VTI will beat what you're in now going forward, and you're extremely sure, sell. Don't let taxes wag the dog. If you want to sell slightly less, you could make a "synthetic" VTI by selling a fraction of your Big Tech holdings to buy mid cap and small cap indices. The argument here is that the large cap part of VTI is relatively well captured by your individual stocks, and you buy the indices for the rest of it. Then put your new money into VTI. If you want to sell even less, put new money into the small and mid caps to build the synthetic index, and only once you've built that does new money go to VTI. The synthetic VTI won't track perfectly, because while a decent fraction of the large cap index is captured by your holdings and other stocks correlated with them, it's not perfect. But if you're convinced your stocks are going to go down, and losing any of those gains is going to wound your soul, just sell, and buy VTI. (I'd actually argue for VT, but that's a whole other thing.)
I’d buy into this logic on the way up but then when they decide to rug pull with puts, I’d get called in that… ima stick to VT and retire at 60…
Buy VT, keep buying VT. Give up on trying to outperform the market and enjoy the ride.
I've started buying VT in my Roth since it covers the world.
All four are in VT a decent amount. I was just wondering among the four if there are one or two that can be beneficial to overweight this year, or if it’s even worth it
Europe had a good year but that is ironically only because of Trump. Otherwise the U.S. has out performed for at least the past 16 years. Europe has significant regulatory burdens and barely even has a tech center. The correct approach is VT and chill if you're trying to get full exposure. Dumping U.S. entirely is likely the dumbest thing you could do if you like money.
VT and chill. Never panic sell or rely on emotion
VT in my Roth (that's where I've been doing my direct stock trading ... not much money in there, comparatively). The real money is in my 401k-equivalents and I have some FZTKX (Fidelity Freedom 2050 Fund) which seems well diversified. The expense ratio is expensive, but I get a discount due to the retirement plan it's in.
VT is the world VOO is SPY (=USA) VT is more chill than VOO
AI takes up a huge chunk of VT. Technology is some 30% and AI adjacent probebly some 20%
Dude VT and chill and the EU will likely give Greenland to US. I say this as a European.
The conservative, most diversified answer is then probably VT or VOO. They buy a little bit of everything. Means you should hold 5y+. And dont sell when it falls, in the longterm it should revert back to a mean profit of ~10% per year. Maybe buy in now, or maybe buy in in steps over the next weeks/months (costs you maybe some fees) Eventhough i feel like tensions with US get stronger, i also thought that in 2025, so nobody really knows when the bottom comes in. You wont get the perfect entry, you wont get the perfect stock pick, and you wont get the perfect profit, thats for sure.
Yup. I woke up this morning thinking how do I hedge against the pedophile presidents senile decisions today… only to realize I already have by investing in VT , adding some VXUS a few months back and basically bailing on my US only etfs (outside of tech… they are essentially global companies at this point).
It's always been a good idea in theory to diversify with different countries. In recent history it's been punishing to hold non-US stocks given the US returns, but that hasn't always been the case in every window of time, and it isn't likely to always be the case in the future. It's best not to pay too much attention to the news, even when it seems obviously bad, but some diversification would be good regardless of the headlines. VT is a good option that's around 60% something percent US and 40% non-US stocks. It's equivalent to buying VTI + VXUS, and buying those two separately is also a popular option which gives you a little more flexibility on the ratio and slightly lower expense ratios. VTI is mostly the same thing as VOO, but it includes some small to medium cap stocks, not exclusively large caps, so it's slightly less heavily concentrated in Big Tech, though not by much.
VT or VOO? People say different things 😔
Nothing is "immune" to drawdown from a crash except for cash/cash equivalents. But i'll sleep much better with all of my money in VT than in MSTR......
The irony of this comment is even greater. It’s the standard distribution graph meme. Sure, maybe some idiots say VT and Chill. Then you have the try hard active investors who over the long run end up breaking even. But then many economists / high end finance professionals that aren’t looking to actively beat the market also align with total market theories.
VT ETF. If you play all sides you always come out on top!
Yeah, a lot of folks just parrot “VT and chill” without understanding the drivers. Conviction hits different when you actually know what you own.
Yes they’ve to rebalance periodically but I was responding to the comment above that the Mag 7 are overweighted in VT only because rebalancing has not happened yet. Irrespective of how often rebalancing happens, Mag 7 will be weighted heavily just because of their multi-trillion market caps.
VT doesn't need to audit weights or rebalance because it buys every stock in the entire market at market cap weight. So the weights in VT naturally follow their weight in the market. Say Nvidia is 10% of the global market, you put money in VT, VT would spend 10% of that money on Nvidia. Then the price of Nvidia doubles. It is now 20% of the global market. Because the price of the Nvidia in VT abought also doubled, it naturally is now also 20% of VT without VT needing to rebalance or do anything. If you bought VTI and VXUS at market cap weights you also would never need to rebalance, they would grow or shrink proportionally in your portfolio. You would only need to adjust your contributions to match the cap weights. And VT changes it's contributions to match cap weight every day when it has inflows or outflows. How to view trends is go to anywhere with charts and add both VTI for US and VXUS for international to the chart. This will only allow you to go back to inception of the funds. Some places will let you chart "total US market" and "total international market" as asset classes going back 100 years or more, they do their best to construct the indexes from available historical data even though there wasn't an actual index to track going that far back. I like using Portfolio Visualizer for this sort of thing. Honestly I check US/International cao weights by just seeing what they are in VT. VT is very accurate. But if you wanted you could look at a different index like MSCI World. It'll be the same though.
People, like the person I replied to, buy VT thinking it protects them from overvalued hype stocks, but because of market cap weighting, it does the opposite. If AI is a bubble or overvalued, it is disproportionately represented relative to reality. Market cap measures price, not value, so VT is holding the bag on that disproportionate risk by default My point is ultimately that the person I replied to has convinced themselves that VT is a solution to hedge against AI being overvalued which is mostly wrong
The people that say VT and chill have no idea why VT is going up. They really don't understand their investment but claim anything else is "stoopid." The irony of their arrogance is sad.
VT is market cap weighted. So if a company has $5T market cap, it will have more weight than some other company that has $100B market cap. This is by design. It’s not about the frequency of weight adjustments that Vanguard makes.
The only issue I can see with VT is that hypothetically if other sectors begin to outperform, would the Vanguard manager limit the dividend yield of VT to keep it tax friendly?
What does disproportionate mean to you? They’re weighted by market cap so by most definitions they are objectively proportionally represented. Not to say it’s not very top heavy, but the ai giants make up so much of VT because they are also responsible for the large portion of its gains
Well that’s because , let’s take MSFT as the example, it’s up 626% over the last 9 years and that pales in comparison to NVDA. VT is up 131%. Chill indeed.
Except at this point VT is like 20% AI speculation
If you think you have a better plan than what is tried and true then you should execute that plan. Otherwise, continue investing in VT or a target dated fund and forget about it if you’re 10+ years out from retirement.
I'm all in VT. Don't gotta worry about it.
Not being in the market at your age is a sure way to having no money in retirement. Forget bonds, they are dead money. Buy a whole market ETF like VT and don’t touch it for ten years.
Does that mean VT is good? Or is there an index fund that is beneficial that isn’t based on our stock market?
This is probably an obvious answer, but how can I check myself what is is the global us market compared to international to validate the VT allocation if I want to see it myself. Also I am curious if there is a way to view the trend, such as 10 years ago it was this vs that. And I checked the prospectus but missed it. But how often does VT review the weights and rebalance? Once a year? When was the last time they audit/reviewed the weights?
You can keep it simple and do VT only or do a VOO / VXUS blend.
There very much is a world where the fees are justified for the exposures received. Take factor investing. You can go with long-only ETF offerings like Dimensional or Avantis, or you can go long/short X quantile for value, profitability, momentum, reinvestment, etc from AQR with something like QLEIX. Global developed markets long stocks with positive factor exposure short stocks with negative exposure. And yeah, you have to pay 1.1% MER. But their results speak for themselves. They have 2/3rds the volatility of VT, and a 12% CAGR vs 10.2% CAGR net fees, including the dividends they have to pay on short positions and the MER. For a factor sensitive investor, these kind of exposures to factors/predictors is ~4x what you can get with something like AVUV or AVDV. You actually get to experience the low vol effect of market neutral factor investing at one of the biggest most reputable hedge funds in the industry.
My plan is to use a bond tent like this: [https://www.kitces.com/wp-content/uploads/2016/10/Graphics\_4.png](https://www.kitces.com/wp-content/uploads/2016/10/Graphics_4.png) 100% bonds is way too conservative. If you're worried about a lost decade then don't invest in a single country, invest globally. VT (total return) did not have a lost decade. It never had a drawdown last more than 6 years.
Looking at my investments I apparently prefer the needlessly complicated route of buying VTI/VXUS separately but still approximately mirroring VT.
Why waste your time researching stocks? You really think you're gonna beat the market? I mean, obviously not if you're on frickin Reddit asking for advice. VT and chill. It works and requires zero research.
Just do VT and chill approach
Lmao how the fuck do you get that from what I said? You know VT is *total* world right? And I said *most* I still have US index funds because I didn’t completely lose faith in companies abilities to make money. Why the fuck would I hope the markets crash what the fuck I want to *get* money not lose money. From your tone it kinda feels like you’re taking this personally and I don’t really know why but uh, sorry? I’m literally just writing down my thoughts on the subject as that was the prompt on the post.
Yeah i will significantly reduce my US stock allocation. Either go with VT + commodities or even just go full ex-usa. The US genuinely seems done for. "Don't fight the fed" yeah all the printed money will go towards gold.
I mean I did I sold off the majority of US stocks and put them in VT and VXUS at the start of last year, I still wanted some exposure to US. And I mean VXUS has done great. VOO still far out performed it which is wild but yeah. But I mean, I can’t be the only one who thinks index funds that don’t include the US makes more sense at the moment. Even if I’m wrong. All it takes is enough people to start dropping us bonds, dollars, index funds, and shifting them to other centers and it can all crash. And honestly if the other markets can capitalize and make it make sense to stay invested in them, which they will have a greater incentive to do, then why would they go back to the US eventually when they finally sort their shit out? It’s not like the stock market is only possible in the US, it’s a global economy.
Yeah after this shit I'm going all in on VT and never looking at stocks again. Not my fucking problem
VT holds the world market at market cap weights. It doesn't rebalance in a traditional sense. If the US marketnis 65% of world market cap then VT is also 65%. If the US grows and is now 70% of world market cap, the US portion of VT has also grown and is now 70% of VT.
VT or 75% VTI/25% VXUS. Essentially identical but VT has a 0.06% expense ratio while VTI and VOO have 0.05% and 0.03% respectively. Basically no difference. Pretty sure I read that even if you lump sum invested at an all time high and the stock market crashed right after, if you hold long long term you'll beat out dollar cost averaging because time in the market beats timing the market. Before all that make sure you max out your HSA and IRA contributions for the year ($4400 and $7500 respectively), tax savings are no joke, you can do 100% VT or 75%VTI/25%VXUS in those as well. Max out 401k match before that also