VT
Vanguard Total World Stock Index Fund ETF Shares
Mentions (24Hr)
-10.53% Today
Reddit Posts
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
28M, I have my 401k matched, roth ira the boring VOO, VT portfolios but I wanted advice on my brokerage stock portfolio. Holdings: Please advice any holdings I should add. I added companies that I believe can't be replaced in the long term for what they do. Cash: 27% QQQ: 18% GOOGL: 13% META: 9% MSFT: 9% BRK-B: 8% TSM: 6% ASML: 5% MELI: 5%
No dude. Stop that shit. Sell all your MSTR and just buy VT to shield yourself from your own damn ignorance
Priorities: /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds equals less risk. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund.
100% VT for maximum global stock diversification with a very low expense ratio. (Or 60-65% VTI + 35-40% VXUS in a taxable account, equivalent to VT but you can claim the foreign tax credit on your taxes.) Follow the [financial order of operations](https://www.bogleheads.org/wiki/Prioritizing_investments). Head over to r/Bogleheads and read the side bar (touch the sub name at the top on mobile). There are a lot of great resources there to learn from!
You started with 180k. You now have 231k. That is not bad. Put it all in VTI or VT and spend time with your family.
inb4 "that's trading not investing" some real advice: If you stop \*Watching Nasdaq plummet from the open\*, it's easier to remain calm\* to truly r/Investing properly, we buy VT, tell our emotions to STFU, and do something else
Here are the big ones from Vanguard: Total World (VT), US (VTI), ex-US (VXUS), Developed markets ex-US (VEA), Emerging Markets (VWO). If you want to get really in the weeds, I believe that Dimensional and Avantis are worth the small increase in expense ratios for some small factor tilting, profitability screening, etc, so I incorporate several of their funds. DFUS, DFAW, DFAI, DFAE are Dimentional's equivalents to those Vanguard options I listed
World is not baked into VTI. VTI tracks the US market, that means no international exposure. VT tracks world, and global all cap.
Wouldn’t VTI already include the world? Someone would still pair VXUS with it? I know VT is super broad with 10k holdings but VT being a slimmer 3.5k holdings. I was going to go with VT (keep existing voo) but was thinking going forward just VTI for a one stop shop (no VXUS as I believe world is baked in already with VTI) as long term total returns was far better than VT. (Obligatory past performance guarantee and all).
This. VT, or VXUS to complement VTI (or variations of these two in combination according to VT's ratios). If you want to tilt you can to VXUS but market cap easier.
>The S&P 500 naturally will become overweighted in the strongest performing sectors. Investors who want more diversification can go with VT or VTI or similar funds. Which is the answer, or an answer, to my original question. You got there eventually...
The S&P 500 naturally will become overweighted in the strongest performing sectors. Investors who want more diversification can go with VT or VTI or similar funds. Valuation of the Mag 7 (TSLA aside) are not as outrageous as people make it seem.
The market isn't rigged. You're just gambling with it. And if its bumming you out you shouldnt be gambling. If you want to make money stop buying options and just invest in a broad index fund like VT. Dont let the internet fool you into believing in get rich quick schemes. They dont work.
They call you exit liquidity. Stick to VT.
Start with 1 bln in a fund you manage. Then in 2008, get lucky, despite holding your shorts too long, and grow it to 10 bln. Proceed to lose 9 bln over next 15 years. Bet 1bln on shorting tech stocks Loss 300 million Retire with 700 million Just buy VT and chill
I didn't say that, did I? The *only* stock I mentioned (and do not own outside VT/VWCE) was for a joke, and it was the exact the opposite of "buy my stock": > ~~NVDA to the moon~~ *Please crash so I can buy cheap H100 servers.*
An idea I heard in the 1990s: (a) If under $100,000, try for "home runs". Try any strategy. This can save a lot of time compared to buy & hold VOO for 50 years. (b) Once over $100,000, switch to safety (e.g. VOO, SPY, VT). Modified idea: (b) Or go 50% safe, 50% risky. Or 90% safe, 10% risky. \- To adjust for inflation, use $200,000.
VT - I think international might outperform and there could be some asset rotation due heightened tech valuations. BTC preferably in an ETF in a Roth IRA. Buy heavily into the bear market.
I use VT personally since it’s market cap weighted and I have a handful of other ETFs that offer true diversification. I’m not uninvested in NVDA and MAG 7 but the amount of people that don’t realize they are over-leveraged in them is scary.
So buy VT over the next year of two instead of VOO; got it
VT or 80% VTI/20% VYMI (or some similar allocation).
VT and BNDW - allocate according to your time horizon. Anything else is just gambling.
In my “fun money” brokerage account for learning and investing, a big part of my outperformance above S&P500/Nasdaq this year was rotating away from US equities in April and reinvesting in VXUS, BND, and several international and domestic high dividend vanguard ETFs with DRIP to stack gains during chop and sideways market. Recently I’ve entered positions in GLDM and VGMPX for precious metal and mining exposure, and I have a smaller position in VT to not totally miss US market performance. I’ve made decent profits with coreweave puts and SQQQ calls. I haven’t touched my longer term portfolio that I put money from selling a company into a bunch of broadly diversified Dimensional ETFs, or my 401k rollover IRA, which is in a bunch of annuities that track the Russell 2000 and SPY with downside protection.
VTI and VXUS Or just VT
or just get VT and keep it simple.
why S&P20 and S&P500 separately? IDK the exact weights but something like 25% of your S&P500 fund is the top 20. You're already covered lol. NASDAQ in there feels redundant too. At your age I wouldn't allocate anything to dividends. Have equities and some in bonds. Debatable, but I would consider physical gold over an ETF, given the use case of gold extends into the "not being able to access financial markets" territory. I'm not saying everyone should have gold, but I'm saying if you're gonna have it, physical is better. I'd just stick with a 3 fund portfolio and call it a day. Hell, buy VT and BNDW and you can have a 2 fund portfolio. Maybe throw a REIT in there if you want some real estate exposure, I like SCHH.
I would do either 100% VT or 75% VTI/25% VYMI depending on my mood :)
If the money is strictly for retirement. I would be 15% Growth, 15% Small cap, 30% s&p, 40% international. You can add bonds later in life. You can either pick etfs or mutual funds to get to these percentages or just go with VTSAX, VOO VT, VXUS. If you want to set it and forget it you can do a target retierment fund that has a glidepath with more bonds as you get closer. We don't have your debt, income or if you own a home, married, kids and longevity. Also need your expenses and emergency fund amount. (This information is for entertainment purposes only, see a qualified fee only advisor for more specific advise) Watch for fund expenses and fees as well. Look for funds that have less than a .30 % expense ratio, go with passive vs actively managed too.
first, your advisor is motivated to make money for himself, not for you. best for you is usually something simple, e.g., certain percentages of equities and bonds. engage a fee-only advisor for guidance. such a person receives a flat fee and does not profit from your selected investments. [https://www.napfa.org/](https://www.napfa.org/) second, you hold $1M and you're going to Reddit for free advice. pay an advisor to guide you in this important decision. third, the best strategy is a simple one that you can understand. your advisor is happy to flummox you with opaque schemes when something like VT + bonds is both elegant and cheap. all three of the above points lead to the same conclusion: see a professional who does not profit from your choices. good luck.
Yeah you’d probably have to be high to come to this conclusion. Did you see VT movement
What the actual fuck is VT doing
A couple of things that you might want to know more about to refine your concerns here. First - "Mutual funds" contain a lot of different things. They could be short-term debt, international, small company, bonds, etc. So, some precision in language might be beneficial there. Second - Yes, the SP500 are the largest US stocks by market cap, but that's still 500 companies. Also - the index is not static. It changes based on winners and losers, and losers drop out. The reason why funds \*like\* SPY and VOO are chosen is because they are a) well diversified, and b) have a historical track record that leads many to believe they are safer over the long-term. Nothing says you have to invest in those specific funds. In face, there are probably better ones that are broader and include many small and mid companies, in additional to global ones (VT is a good example)
would going long/short with dji/r2k provide sufficient leverage to beat unlevered VT
some of yall are very unwell and completely unfit for trading put it all in VT and never login again
25% gold, 25% real estate, 25% bonds, 25% stocks.. or just VT and chill...
Is a 50% VT and 50% QQQM portfolio good for life?
FNDB and FNDX are weighted by fundamentals (sales, profits, dividends, etc.) rather than market cap. Top holdings are still AAPL and MSFT but tech overall I think is 19% in FNDB vs 30-40% in VOO. 90% of my Roth is in VT and FNDB.
Sure. I mean you have almost 2 years of cash which will smooth over any crazy bear markets coming our way. (Hopefully sitting in a high-yield savings account or a money-market fund). 100% equities is *probably* too much for me to handle when I retire, but there's absolutely nothing 'wrong' with it. Are your index funds (the British equivalent of) VOO, VXUS, VT, etc?
I actually underweigh the US (being an EU citizen living in Switzerland, I have some VGK, and also Swiss investments in my pension fund), and have ~25% of my money on EUR gov bonds, because I'm over-exposed to AI (working in the field and all), so I made sure to have *less* exposure to AI stocks than someone going 100% VT or VOO... but you know better I suppose. And since you have an account with your real name on it, it makes perfect sense to expect others to use their main accounts for posts that could give away the company they work at, right? And *obviously* it's not worth speaking about the points raised, but just about the account age. Right? And people should obviously trust you, when you hide all your Reddit history, when mine is fully open and people can actually check what I post / comment and where? **Oh, wait, none of these is true**.
Whats the point of all this if you are just (smartly) investing in VT? Isnt this a waste of time?
The lesson is...diversify. VT and chill
They keep buying 80% VOO, 10% VT, and 10% AAPL like they have since 2010 and think they're a genius
> the question is, are their profitability meets the market expectations That I cannot answer, and deliberate tried to avoid it in my post and comments, and don't even want to given I'm an "almost blind VT" investor. But great opportunity for the consultants I joked at the expense of to get back at me! > it will becomes a commodity market. In a commodity market, the company with the lowest price wins and the profit margins collapse to zero. Yes, I absolutely agree, and I totally forgot to mention commoditization through open-weights models (and other ways). I do think most of the profits are in cloud providers offering these models, and that's also why I think AI startups *might* survive this, since they're building their own infrastructure, and why I conditioned that upon competition slowing down (fifth point). Regarding... > Personally, I don’t think bigger general language model is the way to go, but highly specialized, accurate small models that able to run on a local machine is the future. *Are you influenced by a certain Nvidia paper that was made to sell more GPUs to those who would otherwise have gone with a cloud model?* Jokes aside, yes, I think a lot of tasks can be delegated to small, fine-tuned models that are part of wider systems and may perform better than large generic models. In my job we have plenty of <10B fine-tuned models deployed (one of them for a website with ~100M monthly visits!), and based on the research metrics, they perform better (quality/acceptance rate, inference cost) than their lower-grade cloud model counterparts (Haiku, Flash, Mini, ...). Not to mention all the other (often older) products that are still using some model built on fastText, OpenNMT, sklearn, or similar. The part I'm not sure about is whether it's easier/faster/cheaper to do the required engineering and research work (especially factoring in development costs and project success rate), or if the time is better spent on architecture research and quick experimentation with generic API. Maybe in "the bitter lesson" sense? And one final thing: even smaller models can benefit from cloud deployments, at least for now. Maybe the RTX 7070 Ti Super will be a power efficiency monster with 48 GB of VRAM, or the M8 chips from Apple with have 10x the prefill performance of M3/M4, but right now even running the 30B-A3B Qwen models can be several times faster on 1-2 generation old big cloud machines than on expensive current-gen local hardware, not to mention throughput, electricity, etc.
A lot of people here are hypocrites. What happened to not timing the market? I joined this community early this year and over the course of not even a year the narrative has basically been: "Best investment advice is to stay on course" "VOO and chill boys😎" *Tarrif hits* "I'm moving half of my portfolio onto international" "VT and chill boys 😎"
Too many funds with too much overlap. VT + one of the more aggressive funds (IOO or SPMO) to hedge growth.
Yes the bogglehead subreddit is allergic to taxable investments. Taxable isn't that bad if your investments are already tax efficient (VOO, VT, VXUS are for instance). You also want taxable if you want to do Roth conversions later. They step up in basis in inheritance. Also capital gains is already lower than income taxes. Having Trad IRA/Roth AND taxable gives you a lot of options when tax rates changes or you get hit with RMDs. One example of the conflict is things like 529 where you can end up overfunding them and it would have been better to use taxable. I do agree though that tax optimization may be the only true alpha you can get that isn't just luck, so it's worth optimizing. I don't even think maxing out all accounts is right for everyone. Flexibility has a huge value and there's no one answer for everyone.
401k in VT, that should never be checked.
I've stopped VTI and done VT and some other ex-US ETFs.
basically any advice on reddit outside of few select subs is VT and chill or some sort. Theres literally no point of having countless finance subreddits lmao
You might as well just do 100% VT and focus on how much you can save and contribute. *That* is what is going to make the most difference for you.
several months? move on? If semi retired then assuming you are a bit more advanced in age... where is the money now.... I have been very bullish but lately turning a bit bearish.... these peaks just are crazy..... Id' just set up an account and put a decent amount in treasuries or bond ETF's and then another portion in broad market ETF's VT, QQQ, etc... but be aware that those (and everyone else) are very heavy in the Mag 7........
If you invest in a global market cap weighted fund like VT then you do not need to separately invest in the US. The US is already in there and in fact it's like 65% of it. If you invest in a global fund that excludes the US like VXUS then you need to invest in the US separately. Ideally at a 65%/35% ratio to reflect the global market cap.
I use $VT. It's a Vanguard fund that tracks the entire world. About 60% US I believe since it is capitalization weighted. Gets you the broadest exposure.
VT for whole world. VTI + VXUS if you want to break it into US and ex-US
Was going to say this. It's not very diversified when: 1. Private is stuff like BRK & TSLA which are large cap and tech heavy 2. QQQ is cap weighted and thus tech heavy 3. S&P20 is largecap/tech heavy 4. S&P500 is cap weighted and thus also largecap/tech heavy 5. KOSPI is a nice change interms of international but S Kor is also tech heavy. If OP was doing that then they'd be more diversified owning QQQ + Equal Weight SPY or VT + SSO. That said, their asset mix might not be as bad if their alts like gold and bond/cash mix was a higher %.
In a taxable, VT doesn’t get you the foreign tax credit like VXUS plus VTI/VOO can apparently.
A key investment philosophy I try to follow is to not make 'bets'. Diversification is a time-tested principle that has served investors well, and a global portfolio aligns well to that. There are funds out there (VT being one of them) that does this as a single fund, so you might consider looking into that. It avoids the redundancy that you seem to be concerned about. The alternative is to invest in a US fund, and an International fund. US + Int'l = Global. Not sure how that is of greater benefit, however.
r/bogleheads 1. Save 6-12 months of expenses in emergency fund. 2. Put the rest into global market fund (VT)
VT and chill. The point of index investing is to trust that the market is efficient and ride it for decades, if you can't handle the risk of going all equities add in BND
Diversify, AI bubble is mostly (not entirely) a US thing. So less QQQ, more VT.
Yes, even today. Similarly, I never sell my VT stash. Don't try to time the market.
The most important principle in investing (in my opinion) is diversification. You want to buy a globally diversified portfolio of stocks, and the ETF that achieves this is VT (Vanguard Total World Stock Market Index Fund). If you invest $100 into VT, your money effectively goes to all the publicly traded companies in the world according to their market capitalization. Nvidia Corporation is 4.26% of the world's stock market capitalization, so $4.26 of your money would be invested in Nvidia Corporation. Similarly, Rolls-Royce Holdings is 0.13% of the world's stock market capitalization so $0.13 would be invested in Rolls-Royce Holdings. You get the idea. The point is that you are not betting on any individual country, sector etc. by investing in VT. The safe option to start off with is to buy VT, and keep investing whenever you can. Now, there are ways of "beating the market". Financial science suggests that there is no publicly known way to do so without taking on more risk (if there was a less risky way to do so that was publicly known, wouldn't everyone do it and then it wouldn't work anymore?). For example, factor exposure (which was introduced by Eugene Fama and Kenneth French in their Nobel Prize winning paper) suggests that, for example, small cap value stocks are expected to outperform the market over long time horizons because they are inherently riskier. The historical data suggests this is the case. You could tilt toward small cap value with ETFs such as AVUV (Avantis US Small Cap Value) and AVDV (Avantis International Small Cap Value). Emerging Markets is another sector of the market that is inherently riskier and has historically delivered higher long-term returns than the US Stock Market, for example. You could tilt a bit to Emerging Markets with AVEM (Avantis Emerging Markets), and especially AVES (Avantis Emerging Markets Value) and AVEE (Avantis Emerging Markets Small Cap). Avantis' methodology is based on the Fama-French model and their research and this has also historically outperformed the market over long time horizons. My suggestion is to buy VT, and if you want some tilts you could buy some AVUV, AVDV, AVEM, AVES, AVEE (of the latter three, AVEM is the best if you want to go with one). I would keep at least 75% of your investment in VT (maybe more) and tilt according to your preference after you have done some research and asked lots of questions. The other method to outperform the market is buying individual shares. Unfortunately, this is really risky and mostly does not pay off unless you are willing to do a lot of research and buy and hold for long periods of time. I couldn't tell you what individual shares will take off in the next 10 years with any sort of guarantee. On the other hand, there is a third method to beat the market, by buying leveraged ETFs. It turns out that leveraged ETFs, provided the leverage isn't too high, do outperform the market over long time horizons, but I wouldn't recommend getting into them until you have accumulated more knowledge and started with the core base of VT. I wish you the best in your investment journey! You absolutely can't go wrong, over long time horizons, with VT. Remember that investments in stocks (including VT) is for the long haul, these do not function as savings accounts, because they can be volatile in the short term and have drawdowns lasting several years. You should look at the historical performance over decades, however, to see that if you stick with them, and provided capitalism continues to thrive on Earth (which in my mind is a safe bet, unless something really disastrous happens), then VT will give you strong growth over a long time horizon. I would estimate it will beat inflation by around 5% on average per year based on historical performance, and that compounding effect can really snowball over several decades. A cool stat is that $5 a day invested for 45 years at 10% annual return, would be around 1.4 million dollars, where 80k of that is your own money, and nearly 1.4 million of that is interest earned from investments. If you contribute more early, then of course, you can see faster results. I wish you all the best in your investment journey! 😊
If you have no clue what you’re doing, invest all of it in VT. It’s a low cost, diversified ETF composed of nearly 10,000 companies within it.
Why not VT? And I struggle to reconcile “TikTok” with “reputable sources”
1. Save 6-12 months of expenses in emergency fund. 2. Lump sum the rest into global market fund (VT)
RSP is an equal weight s&p500 ETF with a 0.2% expense ratio. I'm not sure I would want to invest in it. I'd be much more interested in VOO, VTI or VT
I moved 7 figures from our 401k into an IRA in 2022 in a bear market and averaged in over a couple of years and I might have come out ahead but not by much. Another $100k moved in 2023 and averaged in but should have lump sum, but this is all hindsight. You are correct to be concerned about tech but you probably will be ok with having a year’s worth of expenses in cash and lump sum the rest in a balanced portfolio of VT/VXUS and BND. I am in tech and at your age I was probably too conservative and should had more stocks but still did ok because it was coming after the GFC. That was a black swan and you unlikely to experience that and have time to recover from any downturns. As some have pointed out, we are in an inflationary environment and hard assets will go up. Don’t try to time the market, just ask yourself how much downside you can stomach and invest accordingly. But stay invested.
It’s 2025. Big data is everywhere. You think I pulled 10 names out of my head instead of just Googling this shit? Just buy VT lil man.
Just so you all know, because everyone talking about the 50 year mortgage. Do NOT make extra mortgage payments to pay it down sooner. Those extra payments placed in VOO/QQQM/VT/VTI will be FAR more beneficial in the long run. I can share the numbers if you’d like or you can scroll down for my comment where I break out the 3 scenarios of: 1) paying off early and investing all once paid off 2) making required payments and only contributing to the market what your would have paid extra for 50 years. TLDR; Option 2 increases your net worth by 50%, while option 1 might be beneficial psychologically if having a mortgage keeps you up at night.
Just so you all know, because everyone talking about the 50 year mortgage. Do NOT make extra mortgage payments to pay it down sooner. Those extra payments placed in VOO/QQQM/VT/VTI will be FAR more beneficial in the long run. I can share the numbers if you’d like or you can scroll down for my comment where I break out the 3 scenarios of: 1) paying off early and investing all once paid off 2) making required payments and only contributing to the market what your would have paid extra for 50 years. TLDR; Option 2 increases your net worth by 50%, while option 1 might be beneficial psychologically if having a mortgage keeps you up at night.
I would go with option 1. You can honestly just do VT and set it and forget it or VOO. You can’t really go wrong with either. For robo advisors I have never used them but they sometimes perform better and sometimes perform worse. If you want to try it out I know sometimes they have fee’s you can. Just know it may not have the best returns and lag compared to just investing in something like VOO or VT.
Just take the afternoon to look into some solid funds. You can't go wrong with VOO, VT, or VTI. You can set up auto investments into any of those on a monthly basis. The robo advisors all have fee's on top of the expenses that are associated to the funds. I started my investing journey with Betterment and I wasn't impressed.
Great responses. How frequently does this happen for popular ETF? Is there a way to see this, where would be documented? Eg for VT, do AP "create" ETF shares daily, weekly or monthly?
For this reason I do a little game and instead of looking at these things and thinking holy Chet that’s expensive! I price it in gold or bitcoin or VT to see what is really going on; currency debasement 4% for the past 55 years average
Imagine paying extra on a low rate mortgage when that money could earn you 8-12% just in an ETF like VTI/VT or VOO. It’s like you people WANT to be poor for the privilege.
You are not diversified. You are gambling. VT invests in just under 10,000 companies. VOO has 500. Just get an ETF.
Discount grocery is one sector to look into, I am considering opening a small position in a few discount grocery stocks like Grocery Outlet $GO, $OLLI and $PSMT. Also slowly rotating some of my profits from tech into international emerging markets, Chinese stocks, international stock ETFs like $VT, a mix of US & international bonds, a bit of sliver and gold, and a small amount of Bitcoin and ETH. And starting to stack a reasonable percentage of cash in a HYSA as well. I am also buying a small number of shares in inverse leveraged ETFs on large tech that I believe is overvalued when they are way up. My current favorite is PLTZ because I despise that company personally. Also $SQQQ when QQQ is pushing ATHs. I don’t think the top is in yet though. I believe we have at least until EOY before everything starts to decline steeply, but I am slowly taking profits and hedging.
So you're basically VT and Chill with some debasement trades, those debasement trades at their peak? if you had it setup prior to the BTC and Gold runs that would be amazing. If you are wrong with debasement trades being 60% US equities should help not be flushed hard. Dollar could rip higher, and that would slam international ETFs through currency moves, plus gold if it's topping out like past cycles, big highs usually get flushed hard. That's 35% of your portfolio that could take a hit if the dollar short trade dies (International + Gold + BTC). Not bad to hedge though, it helps people sleep better at night, my hedge is AGG bonds, I don't need that fancy gold, crypto or heavy international to bet against America. Sitting at 50/50 (Total Market US with a sprinkle of International, and AGG Bonds) temporary, some catalysts will make me move allocation to 60/40, 70/30 and I could move to 80/20 max.