VT

ExtremeIndependent99

VT and chill. Add BND when I think we might have a correction, then go into a more concentrated fund like VTI or VOO to capture upside, then diversify back into VT for longterm hold.

omgpuppiesarecute

First, great work breaking the cycle. That's worth celebrating. I also am first generation white collar. I grew up in a poor farming family with people who were literally afraid of math and finance, and it utterly crippled them from being functional adults. Good luck navigating the nuances, it can be challenging for sure. Agreed with avoiding any active management. There is very little an advisor is really needed for, especially at your age. You can pay a pay-per-hour CFP to look at your finances and give guidance occasionally as needed for a spot check, but this stuff really isn't that complex once you are used to it. I personally wouldn't put Fidelity in the same sentence of Robinhood or Webull - its like comparing a full trim Subaru to a tuk-tuk or offbrand moped. RH and WeBull are considered discount brokers for a reason, and over time, the "discount" part is going to sting you. Either they won't be there to support you when you need them, or they will keep incorrect records that will burn you. I would strongly recommend picking a large, well established broker like Vanguard, Schwab, Fidelity, and sticking with them, possibly for life. You WILL need to eventually call them, and the first time that that happens, you will realize exactly why RobinHood is considered a discount brokerage - almost zero support. And even less when you need immediate help. If you have to ask for guidance on what to invest in, I'd point you towards /r/bogleheads and suggest you start with a simple 2 fund (VT/BNDW), 3 fund (VTI/VXUS/BNDW), 4 fund (VTI/VXUS/BND/BNDX) portfolio. All give you extremely well diversified portfolios with coverage of both equities and bonds covering more or less the whole planet. It will make a rock solid core for your portfolio. The vast majority of your portfolio should be boring funds. At your age, mid 30s, I would recommend having some amount of bond exposure. It doesn't have to be a lot, but you need to figure out what rule of thumb you're comfortable with and stick with it. Also, I strongly recommend you check out ["the flowchart"](https://www.reddit.com/r/personalfinance/comments/4gdlu9/how_to_prioritize_spending_your_money_a_flowchart/) for best practices on what to fund first. The general best practice would be to contribute to your 401k/403b up to the matching level, max out your IRA, finish maxing out your 401k, and then contributing to taxable accounts. I also recommend reading the following books, in this order. 1. Richest Man in Babylon by Clason 2. The little book of common sense investing by Jack Bogle 3. A Random Walk down Wall Street by Malkiel 4. The Intelligent Investor by Ben Graham If you do, you'll understand why I am suggesting what I am suggesting.

yottabit42

Get rid of the dividend fund for sure. That's just a tax and performance drag. Buying the NASDAQ also makes no sense as it's just an exchange. I would sell all your positions and buy in 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!

Leroy--Brown

I would just write things out into categories. Not just stocks/ETFs/crypto. I would categorize them by sector. Tech, consumer staples, consumer cyclical, utilities, finance.... Yadda yadda. Then I would label that by percentage. I don't know all the ETFs you're holding, but I'm guessing that's where a lot of the scattered overlap is. So spend some time looking at the specific holdings those ETFs have. For example, QQQ ang VTI both are weighted ETFs and therefore the MAG7 make up the lions share of those ETFs also. So yeah if you focus on overlap in sectors, that's one way to pin down how you feel your investments are scattered. Obviously you're pretty heavily invested in tech, without a lot of defensive protection in classically defensive strategies. That's a personal choice, many would say it's a bad one, but if you're ok with being heavily exposed to the risk of primarily tech investments, then that's your risk tolerance and that's ok. Personally what I would do if you still have conviction in specific stocks and ETFs after you've broken down your investments by sector, then what I would do is this: sell the stocks or ETFs I no longer have conviction in. Then look at the sector % again. Then I would simply invest more into the broadest most diversified ETF out there. You already hold VTI, so buy more of that. VT is good also. If you can invest enough into a whole world ETF and increase that allocation to at least 60% then you could consider your investments diversified.... If diversification is your goal.

impatient_trader

VT and chill

Imperial_Toast

For intents and purposes I’m 80% VT, 10% IBIT, and then I chill

stockerowl

ETF like VOO, SPY, VT, JEPQ, QQQ, VYM are great options

BlightedErgot32

yes, and to answer your question to keep it simple i would probably do something like total US equity (VTI) or total global equity (VT). then later down the line as you learn you can tilt to something, (value, growth, dividend growth, etc) I personally just do DGRO + satellite positions, but a lot of people here hate dividends, and I dont wanna overcomplicate things.

-NME34-

I use Etrade, and have 5 accounts within my account. One for long term holds, VT, GLD etc. One for high yield income funds. One waterfall income fund account and a Roth and Rollover IRA. I just open a new account inside my ETrade and transfer whatever stocks I want into it. Obviously, you can't transfer stocks or ETFs from or into the IRAs, but the other 3 non tax advantaged ones I can move $$$ or shares around as I see fit. Helps me ensure different strategies are working and I can analyze the startegies individually with no noise.

gmenez97

It's your money. Make you research and take into account all available information. Have you ran the numbers on an investment calculator and see what happens after 40 years at different rates of return? With your mindset, I disagree with thinking you should use different ETFs for your equity allocation. You should just do one total market ETF like VT. Another ETF to consider are target date funds.

Expensive_Tooth8759

Definitely invest. I did for 35 yrs then retired at 56 and now meet the definition of wealthy by most surveys. Primarily in lo cost index ETF’s like VT, AVGE, FXAIX and AVUV! I know there r many people who exceed me by gambling with puts, options, bit  coin and single stocks. However, instead of taking a less than 1% chance of becoming rich I took the path of 100% chance of becoming wealthy!  That was my point!

Imperial_Toast

Gold goes up when there’s uncertainty. I’ve taken full advantage of that lately. Buying physical gold or an ETF like IAU. SGOV/SNSXX seems like a good way to diversify as well. You can diversify into XMAG, VT, etc but those will tank if the mag7 tanks.

erichang

If I were you, 28 yo, I would do the same as I did 30 years ago: learn how to invest. And here is what I did (some did cost me dearly): 1. Buy stocks only when I know the exit price, with minimum 50% safety margin, often 80-100%. How to know the exit price and safety margin ? study their annual reports (not just quarterly ER). Study maybe 3 and skim the last 10 years. 2. Read a couple of classic macro economic books and a few personal finance books, and have a stable job, build a family and save money. 3. Never tried meme stocks, 0DTE or cryptocurrency (yep, looking back, this is a great mistake, but I am sure the same mindset helped me avoid NFT or metaverse. ) 4. before I built my system, I put most of my money on VOO or similar ETF (Fidelity contrafund comes to mind) 5. hold less than 5 stocks at a time and know them inside out. Buy&hold them for 6mo to 3 years and hopefully double my money. 6. Don't get over-confident after big win. I once lost $200K around 2010 on 1 stock after a series of winnings, and I got cooky. Didn't study the stock and didn't perform rule #1. I never have 10 bagger return, and seldom have 2X but every 2-5 years, got 50-90% return on my picks. There is a system out there that you can learn to beat the market 5% or higher like I did for the last 25 years. It is not a guarantee of course, but the beating the market is not impossible or nearly impossible like they want you to believe. Most of retail investors (or traders) buy stocks without any financial knowledge and depend on 30 seconds talking points on MSNBC or whatever channels they are on. On the opposite side of spectrum, there are smart people who had earned PHD degree yet totally believe in Boglehead theory and stuck themself with 5% return below VOO (by using some target date funds or bond/VOO/VT mix). I won't say both parties are wrong, because the first party are in for entertaining, and the last one are in for not losing money. None of them are really in for seriously growing their wealth.

dissentmemo

You don't know what an expense ratio is, but somehow you think VT is too expensive?

CanadianTrader51

Sounds like you want to time the market, never a good idea. It has been shown time and time again that investors that try to time the market do worse than those who don’t. Buy and hold, if you’re really worried about where things are at then DCA your money monthly over the next 6-18 months, whatever you feel like doing. VT gives you exposure to the global stock market. It’s not a bad place to be. You already gambled with options and lost, this is the prudent strategy. After some time, if you want to gamble, peel off 5% into stocks you did some research on (not on WSB). See how you do vs VT. Avoid options.

Johnny_BoySouth

VT is good advice. The expense ratio is 0.06%; it’s a very low expense ratio for exposure to the full world market. That $6 dollars for every 10k invested. Very cheap.

pizza373

Yes i want to invest and forget about it. VT is too expensive dont you think?

1One2Twenty2Two

Buy VT automatically once a month and check your account in 37 years.

CanadianTrader51

It’s never too too expensive if you are in it for the long term. I would just buy VT and keep adding.

Cruian

>The S&P 500 already offers exposure to global markets—its companies derive significant revenue internationally, effectively embedding diversification without the added risk of foreign markets. Chasing VT or international-heavy portfolios ignores this. Global revenue source is not global diversification, see citations in: https://www.reddit.com/r/investing/comments/1n2wm39/comment/nbb6dyz/

mediares

1. Do you have any debt? Consider paying it off 2. Do you have several months’ worth of living expenses available to you? If not, consider keeping this (or part of it) as an emergency fund. Make sure it’s in a high-yield savings account, you should be getting 3-4+% 3. If both of those are taken care of, consider investing in broad market index ETFs (instead of buying a single stock, you buy the entire market). If you don’t want to have to think about that, VT is a reasonable choice. You’d do this through a brokerage like Fidelity or Schwab.

SeriousMongoose2290

100% VT

pnw-techie

The S&P 500 already offers exposure to global markets—its companies derive significant revenue internationally, effectively embedding diversification without the added risk of foreign markets. Chasing VT or international-heavy portfolios ignores this. I feel like USA imposing massive tariffs may impact this sometime soon. Jack was great, but I'm with the Vanguard recommendations, about 40% intl for me.

goldenfrogs17

This would be satire a few years ago, but there are now more ETFs than stocks.... VT seems good, it's so US heavy anyway.

christsizeshoes

I understand the common arguments on both sides of the international allocation debate, but I don't think it's fair to say buying VT is "chasing" international or expecting it to outperform. Isn't VT market cap weighted? If anything, putting all your eggs in the US market seems like chasing continued US outperformance, since the global market is only 60% US. I don't know much, but my impression is that many people here don't understand that the last 15 years isn't completely representative of the very long-term envelope of possibilities. All the Bogle-like arguments about why the US is destined to outperform have been very easy to buy into uncritically since 2010. If we go through another 2000-2009, I bet a lot of that previously "common sense" advice will miraculously change.

cool_yuwen

It's a good plan A majority in VT is a fantastic base. Adding a small slice of SPMO for a momentum tilt is a fine strategy if you believe in it for the long run. Nothing wrong with that at all.

Based_Commgnunism

VT

Based_Commgnunism

100% VT is the best choice for most people. Though if it's in a taxable account it's more tax efficient to break it up into VTI and VXUS.

Darth_Candy

In my opinion, the default for a young person should be 100% VT. The argument should be, "Do I have justification to do anything else?" (for example, VOO or VTI because you can afford to be riskier and are choosing to bet on the US continuing to outperform). Momentum funds kind of sketch me out because it's difficult to discern how much of momentum is actually the company getting more valuable versus just getting more expensive. Seems like they'd be hit hardest in a correction/crash/recession, but maybe the funds' implementations have some safeguards against that. I haven't dove deep enough to be sure. The bull market performance is very hard to deny, though, and as a personal bias I do prefer factor overweights to sector overweights.

SerialStrategist

VT and forget. If there's a global market dip, you'll feel it, but if there's a shift away from the Mag 7 that money will just move into something else on the global index. Don't expect to make as much money as QQQ or SPY on extended bull runs, but you can also expect to not lose as much on extended bear runs.

xiongchiamiov

Perhaps consider a fund like VXUS? Regardless of any bubble prediction, it would be prudent to be diversified globally. You can also put all of your stock into VT or a target date fund, which will handle the US/ex-US balance for you automatically. I also think it's wise for people to consider bonds: * https://www.whitecoatinvestor.com/in-defense-of-bonds/ * https://www.whitecoatinvestor.com/100-stock-portfolio/ * https://www.kitces.com/blog/stocks-for-the-long-run-siegal-mcquarrie-portfolio-investment-bonds-asset/

IdkAbtAllThat

If there is absolutely nothing you can ever do except DCA into VT, then there is no reason for you to be in this sub, there's nothing for you to learn here, since you already know the only viable investment strategy.

Cruian

VOO (alone) is single country risk (revenue source doesn't make it global, as it is the performance of foreign stock markets that we're after and companies act like their home market). US only is single country risk, which is an *uncompensated* risk. An uncompensated risk is one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.** VT wouldn't be a good pairing with existing VOO, as currently over half of VT is already the entirety of VOO (VT would replace VOO). A dedicated ex-US fund would be an appropriate addition. VXUS or IXUS for example. Think of it like this: * VT is essentially equal to VTI + VXUS * VTI is essentially equal to VOO + VXF So VT alone could be all you need (in a tax advantaged account like an IRA there's no taxes to work about if selling A to buy B), or cost either VTI or VOO (or equivalents) for your US exposure and pair that with a dedicated ex-US fund (VXUS is one of many examples).

Cruian

VOO (alone) is single country risk (revenue source doesn't make it global, as it is the performance of foreign stock markets that we're after and companies act like their home market). US only is single country risk, which is an *uncompensated* risk. An uncompensated risk is one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.** VT wouldn't be a good pairing with existing VOO, as currently over half of VT is already the entirety of VOO (VT would replace VOO). A dedicated ex-US fund would be an appropriate addition. VXUS or IXUS for example. Think of it like this: * VT is essentially equal to VTI + VXUS * VTI is essentially equal to VOO + VXF So VT alone could be all you need (in a tax advantaged account like an IRA there's no taxes to work about if selling A to buy B), or cost either VTI or VOO (or equivalents) for your US exposure and pair that with a dedicated ex-US fund (VXUS is one of many examples).

Cruian

>Why? The S&P 500 already offers exposure to global markets—its companies derive significant revenue internationally, effectively embedding diversification without the added risk of foreign markets. Revenue source is at best just one small piece out of many that are important. There are other factors, some of which are more important, that revenue source wouldn't help with in any meaningful way. * https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths if that link doesn't work: https://web.archive.org/web/20201112032727/https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths (Archived copy from Archive.org's Wayback Machine) * https://www.vanguard.com/pdf/ISGGEB.pdf (PDF) or the archived version if that doesn't work: https://web.archive.org/web/20210312165001/https://www.vanguard.com/pdf/ISGGEB.pdf (PDF) * https://www.dimensional.com/us-en/insights/global-diversification-still-requires-international-securities - Companies will act more like the market of their home country * https://www.reddit.com/r/Bogleheads/comments/vpv7js/share_of_sp_500_revenue_generated_domestically_vs/ - The argument that “US companies have plenty of foreign revenue is sufficient ex-US coverage” is tilted towards a few sectors, some have almost no coverage. Also what about in reverse- how many big foreign companies have lots of US exposure? * Some explanation on why international revenue is not the same as true international holdings by HenryGeorgia: https://www.reddit.com/r/Bogleheads/comments/1jcs4pd/comment/mi4zf0c/ * Or (if it loads) by /u/InternationalFly1021: https://www.reddit.com/r/Bogleheads/comments/1hm95gg/comment/m3t2779/ * To add to the above, there’s also the issue of valuations. One country can still become over valued, even with global revenue sources. * https://www.bogleheads.org/wiki/Domestic/International and expanding on part of that: https://www.reddit.com/r/Bogleheads/comments/161i2l1/comment/jxs659h/ by TropikThunder All cover it to some degree. >Chasing VT or international-heavy portfolios ignores this. We don't ignore it, we just realize it is overly democratic training that should fall apart with a little bit of thinking about it. There's plenty of foreign companies that do lots of business within the US, isn't there? Every employee vehicle in my work's lot would trade in an ex-US fund not US fund. Many electronics are Asian branded. European brands can be found in medicine cabinets, kitchen pantries, and cleaning supply closets across the US. So 100% VXUS is all you need for US coverage, right? Obviously not. International diversification isn't about revenue source, it is about capturing the performance of stock markets outside the US as they aren't perfectly correlated. >Timing international outperformance is a gamble Don't time anything. Always hold both the US and international, market favor can shift very quickly and unexpectedly >This drives the S&P 500’s edge, consistently outperforming global indices over long periods. 5 of the last 7 decades (as measured xxx0-xxx9) favored international over the US. 4 of them were in a row (1950-1989). All excess returns since 1950 (read: the last time the lines crossed) come only from around 2010 through now, that means we saw a roughly 60 year period where the end winner would have been international, that's a long time period to me. >but history shows U.S. markets recover faster and grow steadier Certain other market drops affected the US worse. See 2000-2010 for example where the US ended behind international. >Stick with the S&P 500 for broad exposure, lower risk, and a system built to win. Going global (properly) can be less risky than 100% US or 100% ex-US. I do have citations available for any claims that I haven't provided them for yet.

Maverekt

I have a really good amount invested for my age (mid 20s) and a majority it it is in VOO / NVDA (around 50 shares each) with some spread out across individual stocks I’m interested in. I have about $4k of unallocated funds still in my rollover IRA, should I put these into something more secure like VT? Or just DCA further into VOO?

Alienware15rr3

Who cares about a single decade exactly, the international only every outperform once i a while, never in an investors career of 30-40 years, international mean is 5-6%, US mean is 10%. You can do what you want, but adding international ignores many important facts about why US breeds innovation and is superior, you won't find international creating a Magnificent 7 or FANG, not in our lifetime. Listen to bogle and stop thinking VT and chill is the best, 20% max international, that's all you should go for if you want to sleep better at night knowing full well over 30 years you will just get 5-6%.

Alienware15rr3

No this sub just fills people with nonsense that VT is king, VT and chill is betting on international, ignoring the superiority of US., International will never create a FANG. It's a fool's game betting on international what Bogle would say.

Alienware15rr3

Jack Bogle, the father of index investing, spent decades proving that simplicity and low costs beat complex strategies. His research showed international stocks can diversify a portfolio, but he capped their allocation at 20%. Why? The S&P 500 already offers exposure to global markets—its companies derive significant revenue internationally, effectively embedding diversification without the added risk of foreign markets. Chasing VT or international-heavy portfolios ignores this. Timing international outperformance is a gamble. Other countries face inconsistent legal systems, weaker property rights, and less predictable economic policies—risks that undermine long-term stability. The U.S., by contrast, has a unique moat: a legal and economic framework that fosters relentless innovation, from tech giants to startups. This drives the S&P 500’s edge, consistently outperforming global indices over long periods. VT investing also assumes prolonged international outperformance, but history shows U.S. markets recover faster and grow steadier. Betting against this is like betting against gravity—possible, but rarely wise. Stick with the S&P 500 for broad exposure, lower risk, and a system built to win.

Alienware15rr3

Target data funds is VT plus bond allocation, it's so bad... but new Bogle head fans will proclaim VT is the best because it helps them sleep at night that one day US dominance will cease and International will flourish. Jack Boggle turning in his grace, Target date funds and VT is a scam in our life times, they may be right one day.

christsizeshoes

The 10-year return isn't lower than the S&P because the TDF is too conservative with equities, but because it's diversified internationally. VT is "only" up 130%. Also, S&P is up 210%, not 250%. For any date more than 10-15 years out, a TDF is basically just VT plus a tiny bit of bonds. So this really just comes down to the international allocation debate that gets rehashed every day on here. International has under-performed US badly the past 10 years, but there have been long periods of the opposite over the past 50 years and it could happen again at any time.

zachmoe

Very cool, and you can also just buy VT. You aren't getting a free lunch, you are just taking on more idiosyncratic risk.

1One2Twenty2Two

I do that. My account holds positions in a very, very, very stable company, VT and a cash ETF. I sell puts using my margin as collateral, but I always follow these rules: - Don't overleverage - Diversify across sectors - Sell puts on boring stocks I'd like to own Boring stocks bring in less premiums, but since my capital isn't tied up while I have positions opened, I don't mind much. I see it as a bonus on top of my buy & hold.

UsedState7381

VT, Spy and IWM didn't.

Based_Commgnunism

Focus on building your emergency fund to cover 3-6 months expenses, and paying off any debt higher than like about 5%. Also save any money you know you will need in the next few years (car purchase, medical expenses, etc). Once you're debt free and can cover an emergency then get a 401k match from your employer if possible. Then max the Roth IRA and the 401k account if available and an HSA account if available. Everything in retirement accounts invest it in a target date fund or VT.

Based_Commgnunism

The last four are the same so holding 80% of any one of them would accomplish the same thing. VT is different.

Specialist-Barber383

Just started my roth ira on VT. Im excited to keep pushing money into it

DivineBladeOfSilver

People love a simple stupid approach they can sleep at night with. VT or VTI + VXUS or some similar combo of owning the market is proven long term. You won’t do the best but you likely won’t do bad either and you will do so likely with little stress. That is the thesis they accept and work with. Now people like Warren Buffet advocate for this strategy (tho he prefers just VOO + 10% bonds). He acknlowedges it’s not the best strategy, but the typical person is not good at picking stocks, sticking with it long term up and down is hard for them, and people frequently move funds by selling when bad and buying when good hurting themselves. Otherwise if you can avoid such bad habits and can pick great companies through good analysis he fully says it’s better to just own a lot of a small number of wonderful companies rather than the whole market or a big portion of it. Sadly this typically results in most investors just buying whatever is most popular today because they assume it will forever be a good investment, panic when it finally has a bad day, and they do terrible. You’ll see people buy the magnificent 7 and just think that’s the best strategy ever because it’s done good for awhile now. Not that any are necessarily bad stocks. But an investment under buffet’s guidance requires full proper analysis of actual data long term of a company and considering various aspects about the company itself and value it has and making a decision. Most people just follow hype and that’s as far as it goes

Cicero912

but unless you are overweighting international your total return would just be VT

-ClutchCabbage-

It’s up 21% YTD compared to VTI 9%, VOO 9.4%, VT 13.4%

SmokingLimone

Now take 40k out and put it on VT/SPY/VWCE. If you want to keep YOLOing it at least you won't throw it all away. Oh wait, are we supposed to give actual advice? Nevermind, 100% into PLTR/TSLA

diggida

My understanding is because it’s market weighted and owns virtually everything outside of the US. VT is the whole world. VTI plus VXUS is the whole world. It fits that philosophy. Personally I have VOO, AVUV, and VXUS, but I probably should just have VT.

Unable_Illustrator_2

If $3300 has you that devastated, maybe you should stick to VT. It's my grandma's fav.

Unable_Illustrator_2

If $2,900 has financially crippled you, you need to set up recurring buys in some BS like VT and uninstall Robinhood for a few yrs.

trevor_barnette

Or just don’t worry about the above and staying on top of the markets and just invest in VT (or VTI/VXUS) and some mixture of bonds depending on age. There is no need to ever worry about making adjustments with this strategy as that could lead to performance chasing. Short term politics and worrying about dips etc could lead to some costly decisions. Total market index funds and let it ride, the only change you should worry about with this strategy is what percentage of bonds to hold and when. You never need to read an article about markets to succeed with this.

Legaon

ETF to invest in (VT). Mutual fund to invest in (VTWAX). —>FTSE Global All Cap Index

SnS2500

The past ten years the total return on FSKAX is +273%. For VTI it is +278%. Since VT is worldwide and not just USA, its return the past ten years has been +198%.

That_Scarcity_9724

Alright I’ll still do some mutual with fskax and do another investment into VT. I don’t want just one single fund but I also don’t want 4-5 and get cluttered. So I’ll do 60 (vt) 40(fskax) is that a decent split at least for now as I still learn more

SnS2500

"Best" is subjective. But the main thing is with ETFs you don't have to limit yourself to Fidelity offerings. I believe VT is the most popular global ETF.

SerialStrategist

I'm watching my VT ETF peak at 0.10% in the green wishing I was more like you degens.

InvisibleEar

I should just buy VT because I daily change my mind if I should be overweight or underweight intentional because of the orange man lol

zendaddy76

I’m mostly VT and safe growth stocks in my Roth. My taxable is VT but some sgov (emergency fund) and some speculative stocks that I will harvest losses for (or harvest gains at 0%).

kleenkong

Sorry late reply. I have it. I sat on it, forgot about it, and missed a good exit in 2024. Probably down a few thousand overall. I'm getting out of my individual stock trades. Best advice I have is to look at r/Bogleheads/ , read the Wiki, and look at the funds that people there invest in. It's all about simplicity, cutting down expenses (high cost funds and investment managers, at least to your comfort level) and investing in whatever definition of 'the market' you have. Then hold long term. For me, I pulled my account from Edward Jones as it was costing me near $1k per year. I had AI evaluate the EJ holdings and it said it was a D- and a bunch of spaghetti (overlaps), lol. Lots of different ways to go, but I'm choosing VT.

chopsui101

how did VT do lol

Based_Commgnunism

The Fidelity mutual funds are good. FXAIX is S&P500. For total US market there's FSKAX and FZROX. The Vanguard equivalents VOO/VTI are also fine if you prefer an ETF. Or any of the other many low fee S&P500/total US funds. As to whether you prefer to hold S&P500 or total US it doesn't really matter as their performance is essentially the same. Total US market is technically more diversified so I'd go for that if you only plan to hold one US fund. For international there's FTIHX or FZILX, or VXUS. I'd recommend holding them at market cap weights, so 65% US and 35% international. That way you just own the whole market. Another option is to buy VT, which is 65% VOO/35% VXUS in a single fund. With VT your whole portfolio can be just one fund. This also eliminates the need to do an annual rebalance. There are good reasons to hold small cap value funds, both US and international, but you shouldn't do it unless you really understand the thesis and why you are holding it and how it has performed recently and historically.

dudeatwork77

Yes. Good idea. Better yet, do VT

strangebutohwell

VT Or VTI + VXUS Add BND if you want bonds

RJ5R

If I was 15 yrs old and looking to invest $4,500 I would put all of it into VT, which 50 yrs from now doing literally nothing will be $500K Now re-run the calculator when you add monthly or annual contributions to it

SirGlass

They will have a glide path , meaning if the target date is far away it will be invested mostly in stocks with minimal bond holdings As it approches the target date , and sometimes beyond it will gradually increase the bond holdings, you can look at the glide path At some point it will reach its terminal holdings of maybe 70% bonds and 30% stock 1 - At some point it will reach its terminal allocation of something like 70% bonds / 30% stock , there is no end date however the ticker may change , instead of being called like a 2025 target date fund it will just get rolled into some Income fund that have the same holdings and you can hold well past 2025 2. No one knows 3. Depends on the retirement fund I do know vangaurd does hold world bonds 4. Pick one, if you plan to retire in 2027, you pick either a 2025 fund or a 2030 fund, the 2030 fund may be a bit riskier . Hell you could split the difference and invest in both 4. Your benchmark is wrong, its not going to perform like VTI/VOO/VT because its going to be allocated to a healthy amount of bonds. 5. Vangaurd / Schwab / Fidelity all have low cost target date index funds

Nodeal_reddit

I’d pick VT.

Ok_Gap_3412

What is a solid replacement for VT if I purely want the international side? I already have a sizeable VOO position.

Leungal

Beyond the obvious advice of staying away from individual stocks/sector bets, you could probably up your international allocation a bit. Just for reference Vanguard does 40% in VT and most of the Fidelity funds hover around 30-35%.

Pathbauer1987

VT and chill

WoollyMilkPig

I am an investment advisor but I'm not your investment advisor. To start open an IRA, max it out for the year in something like VOO (S&P500), VTI (US market), or VT (world market). Then figure out what your total annual spend is and keep half that (6months worth) in the HYSA as an emergency fund. After that it's time to assess your investment psychology before deciding what to do with the rest. You need to have a plan that will be able to weather market downturns, the secret to compounding returns is time. The S&P500 dropped almost 20% in less than 2 months this year (between 2/19 and 4/8) and has since more than recovered. The people that held have done well, the people that sold at the bottom lost significantly. If you bought $400k of VOO on 2/19 and panic sold on 4/8, you would have lost $80k. Many experienced investors will tell you to invest it all today, though you need to know yourself. Could you dump it all in an index fund and forget about it for a year? Maybe investing $5k/week (dollar cost averaging) as you watch your investment bob up and down would be less stressful? Maybe finding an investment advisor you trust to stand between your money and your emotions would be useful? There is no single "right" answer, it's about finding an approach that works for you long-term.

TheFuckboiChronicles

I’ll have you know in a dumbass and an American and I’m mostly in VT

CuffytheFuzzyClown

Your heart is in the right place OP but your mind is dragged down by nonsense. Politics don't make you rich unless you're in the Congress and even then Republicans are better at trading then Democrats (even Nancy Pelopsi is only the 4th best trader!). You don't win by gambling, ever. Not the stock market, not lottery tickets. You win by buying the whole market, an Index Fund like VT/VTI or any S&P500 equivalent. Buy when you can, don't sell even if it goes down (bad times will happen) because over many years time *you'll see a steady profit*. Or buy random cheap stocks like open door, low stock price means they're *easy to manipulate*. You'll buy and *they'll sell* meaning you'll end up holding a worthless stock. Money lost. Your choice.

Interesting-Foot2880

Please do not do that, while there is a lot of speculation around Nvidia and the AI bubble (and whether or not it is a bubble) it is just generally a bad idea to dump cash like that into an individual stock with out a portfolio base. In my eyes in a tax advantaged account with a lump sum like that you should be taking advantage of investments such as Vanguard's Total World Index ETF VT that you'll be able to confidently hold until retirement.

Historical_Low4458

The "Savings Global Equity Index" might be similiar to VT, but it is hard to really know without a ticker, and being able to see its holdings.

AlbanySteamedHams

I think they telegraph the possibility of a rate cut to let the ADHD kick in and the target go to someone else. If inflation keeps ticking up they can be like: sorry, guy! WE TRIED! I don't think the fed wants people walking around thinking that they are cool with 3% inflation. But I have no fucking clue and my portfolio of VT proves it.

crazybutthole

>The fact is few have the time, energy, desire, risk tolerance, and guts to manage their own money and outperform any fund any day, month, year. I can't tell if this is a flex or a complaint or just you stating a fact. I read lots of books. Reddit daily. Follow a bunch of articles and sites and play it pretty tight in risk/reward and still barely beating sp500. It's actually a lot of work to do the research and come up with strategies that might result in some slight gain above the sp500 without risking my life savings on gambling. I really consider every week just quitting it all and just going the easy route. (Put it all in variations of 1/3 QQQ 1/3 VOO 1/3 VT and just add to that ever so often and be done.) I haven't done it yet but I have majority of my funds in those three. And any time I make profits on other more risky things - I add at least some of the profits to my big three.

hak8or

Don't, what makes you think you know better than the market over a 20 to 30 year period? Just buy VT and chill, especially for such a long time horizon. Maybe throw 10% at individual stocks like tech stocks to help you feel better.

Admirable_Cap_8943

VT and chill

Admirable_Cap_8943

VT and chill! (Or target date fund!)

Fuckaliscious12

It's $7,000 max, not $6,500. $6,500 was the max in 2023, 2 years ago. Go with VT, which is total world stock diversification and stop trying to time what is best at the moment.

Ilalu

Too complicated, a lot of overlapping exposures, and uncompensated risk. I would simplify and reduce the number of holdings, something like VT (a World market cap equity fund) being the core holding is a good starting place. In long term investing the boring stuff is actually the most reliable strategy

BobTheBob1982

VT for foreign stock exposure For foreign bonds, well I guess here I don't know the logic to have/not have them in the article, haven't really thought about it [https://www.optimizedportfolio.com/all-weather-portfolio/#using-utilities-instead-of-commodities-and-reits](https://www.optimizedportfolio.com/all-weather-portfolio/#using-utilities-instead-of-commodities-and-reits)

Darcey_Leigh

It really comes down to **risk, diversification, and goals**. If you go **100% all-world index (like VT or similar)**, you’re basically saying: * “I trust global capitalism to keep growing over the long run.” * You’ll get **broad diversification** across countries, sectors, and companies. * Historically, this strategy has worked very well for long-term investors with patience. So why do people suggest 20–30% in speculative or value stocks? * **Potential for higher returns**: Some investors believe they can beat the market by identifying undervalued companies, small caps, or growth stories. * **Conviction bets**: They might want exposure to certain sectors (e.g., tech, energy, biotech) that they think will outperform. * **Psychology**: Many investors like the idea of having some “skin in the game” beyond passive indexes. It keeps them engaged and motivated to follow markets. The trade-off is: * Speculative/value stocks can **outperform massively**, but they can also **lag or even collapse**. * By limiting them to 20–30%, you manage risk while still scratching that “active investing” itch. In other words: * **100% world index** = max diversification, steady compounding, minimum effort. * **70–80% world + 20–30% speculative** = core stability + potential upside.

xiongchiamiov

You should really stop asking reddit for buying decisions on random companies and instead automate investments into VT or whatever and stop thinking about it.

Leading-Ability-7317

I would sell those shares and buy a broad index etf like VT or VOO and just leave it alone for 40 years

AbbreviationsOld636

Nah, VT it and forget about it

Jarkside

I think the better rule is just VT and chill, but if you aren’t doing that and are investing in speculative stocks then no holding should be more than 2%-10% of your total net worth, and the cap should really be about 5%. in no instance should you be speculating on more than 10% of your net worth. The rest is ETF turf

SpicyDopamineTaco

Should I move my big cash stash into bonds? SCYB for a while maybe? Or I’m I fucked if I don’t get it into VT promptly so inflation and devaluation don’t eat my savings?

UsedState7381

Meanwhile, VT is mooning...it's a good day to be in broad markets indexes. Much to my chagrin, I can't wait for the day this is over so I can just rotate my money back to VT and forget all this nonsense.

KZ7548

You’re overcomplicating things. Just invest in Total US + Total International index funds. Add bonds later in life. Something like VTI + VXUS or VT or VOO and chill. There’s arguments to be made for each setup, but all have their merits. Comes down to personal preference. You’ll beat whatever you’re currently doing in the long run. Pick up a few books like “The Simple Path to Wealth” and “The Little Book of Common Sense Investing.” These will help build your foundational knowledge of investing.

nemesis24k

That's why i like VTI / VT, they go across all exchanges. I feel a lot of these comparisons need to include VTI.

Interesting-Foot2880

Take your pick of 100% VT or 70% VTI + 30% VXUS. That's all you'll ever need. With $200k I'd also DCA in over 20 weeks (10k/week) or 40 weeks (5k/week) and avoid lump summing it in. Make sure you have paid off all high interest debts and have a solid emergency fund too first though!

Interesting-Foot2880

DCA into VT or VTI+VXUS like always, you'll have all the winners no matter what index or exchange outperforms what!!

bpikmin

Being cautious about investing “anything” in China is a little absurd. Investing at its market cap weight is perfectly rational and nothing to be cautious about. VT and chill, basically.

NoCommentsEVER25

Investing journal? - this month i maxed my 401k contribution - this month i paid down debt/mortgage - this month I contributed to my HYSA - this month I purchased VT That should be the journal for most people, or something very similar. I could be wrong, I’m not sucking dick behind a Wendy’s dumpster like the real pros out there.

Dankomycin

Just do VOO. If you want international just do VT.