See More StocksHome

VT

Vanguard Total World Stock Index Fund ETF Shares

Show Trading View Graph

Mentions (24Hr)

20

5.26% Today

Reddit Posts

r/stocksSee Post

Getting into the market

r/investingSee Post

Is it ok to never have bonds if you start investing early?

r/StockMarketSee Post

HELP ON MUTUAL FUNDS

r/investingSee Post

Beware of Money Managers who Talk Like This

r/investingSee Post

VTI all the way? Or with SWYMX or SWTSX?

r/investingSee Post

I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though

r/investingSee Post

Riskier assets in IRA vs Roth?

r/investingSee Post

Trading stocks for Index funds within a ROTH IRA

r/investingSee Post

Would you jump into the market right now?

r/stocksSee Post

VT vs. combo of VTI and VXUS

r/investingSee Post

Low volatility factor investing is criminally underrated

r/investingSee Post

Should I cash out annuity and invest it?

r/investingSee Post

New Canadian Investor Here

r/stocksSee Post

Advice needed

r/investingSee Post

What is the quality of stock markets in other countries compared to US?

r/investingSee Post

401k plan options - leave TDF?

r/investingSee Post

Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)

r/investingSee Post

Is my portfolio made by my wealth manager too complicated?

r/stocksSee Post

Does it make sense to add individual brokerage account?

r/stocksSee Post

How to manage volatility.

r/investingSee Post

I am at a fork in the road help me choose

r/investingSee Post

Help me with Rollover allocation

r/investingSee Post

Are these good lump sum buy and holds? VOO, VTI & VT

r/StockMarketSee Post

"Entry" point for ETFs

r/investingSee Post

This is what I have been talking about here for awhile

r/investingSee Post

Going all in on Small Cap Value?

r/stocksSee Post

Ex-financials ETF or Gold

r/investingSee Post

Thoughts on transferring “all” of my savings into equities

r/investingSee Post

Long term ETF ideas for brokerage?

r/stocksSee Post

How should I invest to build wealth long-term in my early 20s?

r/investingSee Post

Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?

r/stocksSee Post

Would AVLV theoretically be any more profitable than a passively managed fund like VOO?

r/investingSee Post

Will there be a new World Order

r/investingSee Post

Understanding market growth

r/investingSee Post

Holdings in an HSA Account

r/investingSee Post

Roth IRA vs Taxable Account Holdings

r/investingSee Post

How much reasonable risk should I take on to maximize profit?

r/investingSee Post

22yo Roth IRA account investments

r/investingSee Post

what's the point of tlt if it's just as volatile as stocks

r/investingSee Post

I have a mental issue when benchmarking my portfolio - looking for advice.

r/wallstreetbetsSee Post

VTI vs VT

r/investingSee Post

Roth IRA portfolio - tips for a 22 year old

r/investingSee Post

30/20 Retirement Portfolio

r/investingSee Post

Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it

r/investingSee Post

Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.

r/investingSee Post

VT vs AOA ETF for rest of life?

r/investingSee Post

Reallocate more into international ETFs?

r/investingSee Post

Selling equities at a loss to pay for high interest mortgage

r/stocksSee Post

VTI and VT in same account?

r/investingSee Post

VTI + VT in same account?

r/investingSee Post

Does it ever make sense to have multiple brokerage accounts?

r/investingSee Post

Stuck with current employer's limited 401K fund offerings, looking for advice on distributions

r/stocksSee Post

Publix Stock and 401K

r/investingSee Post

Advice appreciated-2 questions

r/investingSee Post

What to do for Roth IRA that we haven’t touched

r/investingSee Post

Dividend ETFs or Individual Stocks

r/investingSee Post

Have money in both Sofi Auto Invest and VT via Fidelity. Should I consolidate?

r/investingSee Post

How to automatically invest my paycheck

r/investingSee Post

28yo, Is selling all my VGT and buying VT timing the market/performance chasing?

r/investingSee Post

Are my portfolios any good? 96% equities / 4% real estate

r/investingSee Post

"No more than 20% of one's stock portfolio should be allocated to foreign stocks? - Jack Bogle - Does this advice still ring true today?

r/investingSee Post

Better to Hold More Specialized Funds, or Big Generalized Funds?

r/investingSee Post

VOO, AVUV, AVDV, DGS, VEA

r/investingSee Post

Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.

r/investingSee Post

I just started putting money into a 401k. Where should I have that money invested?

r/investingSee Post

Anything I should be doing to be more aggressive with my VOO/VT portfolio?

r/investingSee Post

Why is the solar industry performing so poorly?

r/wallstreetbetsSee Post

My un-intelligent way to make bets, as of now

r/stocksSee Post

What Do I Diversify Into? (small $ monthly investments)

r/investingSee Post

Wanting to invest recent VA backpay - thoughts on how I'm proceeding about doing so

r/investingSee Post

Robinhood just upped APY to 4.9%

r/investingSee Post

VT vs VTWAX in Fidelity fractional shares

r/investingSee Post

Invest in VTI and other "feel good ETFs" if you want to make less money.

r/investingSee Post

Roth IRA Portfolios Question

r/investingSee Post

Thoughts on DCAing $2000/week into $VT

r/investingSee Post

Moving from Edward Jones.

r/investingSee Post

How long do you recommend paper trading before doing actual trades?

r/investingSee Post

Investing into leveraged portfolio

r/investingSee Post

Where would you put 500$ weekly?

r/investingSee Post

Your ETF portfolio for the next 30 years?

r/investingSee Post

Fidelity's Limited Automatic Investing Options vs Having More Accounts

r/stocksSee Post

My friend claims my method for investing may not be allowed, can anyone clear this up for me?

r/investingSee Post

Investments while at war in my 30s

r/wallstreetbetsSee Post

Investments while at war in my 30s

r/investingSee Post

How is my Vanguard performance returns negative, when my investments are in the green?

r/investingSee Post

Cash balance pension plan withdraw or let it sit?

r/investingSee Post

why do people act like if the markets are down over a decade or more the world will turn into the last of us

r/stocksSee Post

How safe are ETFs if broad index funds didn't exist?

r/investingSee Post

If safe ETFs broad market were an option - what would you chose?

r/optionsSee Post

Selling long dated deep ITM SPY or VT puts instead of holding shares.

r/wallstreetbetsSee Post

90% are in blue chip stocks and VOO/VT (~85%). Also new to investing RIP

r/stocksSee Post

Anyone invest in IOO vs VT?

r/investingSee Post

Looking for advice: Deploying Funds in the Market

r/StockMarketSee Post

Portfolio feedback PT 2

r/wallstreetbetsSee Post

Should I keep holding ENVX and buy the dip?

r/stocksSee Post

How should I approach everything.

r/wallstreetbetsSee Post

Steak (Live Cattle) hits an all time high.

r/investingSee Post

How should I (29M) start investing for my 2y/o?

r/stocksSee Post

Please don't crucify me.. What is the actual point of all of this?

r/investingSee Post

My Dividend Portfolio, 60 / 20 / 20 - VT / VIG / SCHD

Mentions

For maximum safety/growth I can think of no safer than VT etf and sit on it

Mentions:#VT

You are absolutely correct that I implied that VT might do better in the future. The key is the difference between "will" and "might". You implied it will continue to do worse. I took the intellectually honest position and admitted that I don't know if it will do better in the future or not. Good luck trying to outguess the professional fund managers and their teams of analysis who have shown that in the long run they are unable to consistently beat the market.

Mentions:#VT

Since you’re not smart about this stuff (your words) 175k in VT then learn more after that and re-evaluate in a year. Be aware there is no “safe” investment just varying degrees of risk.

Mentions:#VT

You also strongly imply that VT “might” perform better in the future, therefore you stay invested in it, until it’s happening, and lose the momentum of more growth oriented vehicles. Maybe it’s depending on your age. But for now, I prefer growth than diversification. I might diversify if I see some events and trends coming or if my time to invest is smaller than 20 years.

Mentions:#VT

If you have to ask, a 2040 target date retirement fund is the obvious option which will automatically shift more into bonds as you age. A mix of VT and BND would be the next option.

Mentions:#VT#BND

1. Think before you do anything. Research and read. 2. Pay off any debts (random credit cards you might have stowed away, double check them, double check any miscellaneous medical debt) 3. Max out a Roth IRA every year ($8k per year limit for ages 50 and up, use Schwab or Fidelity or Vanguard, invest in something relatively "safe" like VTI or VT) 4. Put 3-6 months of expenses (can be more like a years worth if you really want to be safer) into a High Yield Savings Account (Research best rates available) 5. The rest can go into a taxable brokerage account, or if you have a 401k at your job, invest with them at least up until you get the company match.

Mentions:#VTI#VT

You very strongly implied with your "VT and lose money" comment that it would continue to lag. The honest truth is that no one knows the future. Maybe the U.S. market continues to dominate. Maybe internationals will make a comeback. We just don't know. The best you can do is diversify, keep costs low, stay the course, and be happy with whatever the market gives you.

Mentions:#VT

VT or VTI or VOO all in for 15 years

Mentions:#VT#VTI#VOO

You exactly use the same example as me to make your point. Except that I’m using a more recent period. I know we can’t use past performance to predict future performance. My point is that VT in the past 20 years didn’t really perform well compared to other indexes and yet some people still continue their “VT and chill”. So yes, I get it.

Mentions:#VT

VTI is the ETF equivalent of VTSAX And there's VT - world total stock, so int'l exposure

Mentions:#VTI#VTSAX#VT

There are so many resources online about investing. It's really not hard to do. Just buy spy or qqq or VT.

Mentions:#VT

Short term trading is the same as gambling. Study people who win at flipping coins and do the same - or not. The stock market does push the odds slightly in your favor because businesses are in business to make money and thus your holdings are likely, on the average, to go up. For the long term, VT and chill. That's as close as you can get to the whole global market. See the links on the sidebar at r/Bogleheads for the reasoning. Or maybe it is obvious why everyone can't do better than the market average.

Mentions:#VT

Never bet against the Shkrels. Also, why did you think a TNF alpha inhibitor would stop Alzheimer's? And why did you put 2 million in the stock?! Are you insane? Stick to VT or s&p500.

Mentions:#VT

Open up a Roth IRA. You can contribute $7k a year into it. This is all pre-taxed money that grows with no taxes, but you can't cash it out until you're 59-60 years old (10% penalty if you do). I would suggest you invest 50% into SPMO, 30% into VT, and 20% into MAIN.

Mentions:#SPMO#VT#MAIN

Those ideas are the core of the boglehead movement. You can find us headquartered on reddit at r/bogleheads, and the primary online information is at https://www.bogleheads.org/wiki/Main_Page , although the principles have achieved widespread recognition and thus you'll also see plenty of boglehead stuff in most investing forums. To answer the specific question, you have many great options: 1. The indexed target date fund your broker provides. 2. VT as a one-fund portfolio, or optionally plus a bond fund 3. Any of the funds detailed on https://www.bogleheads.org/wiki/Three-fund_portfolio That's assuming you're in the US. If you're not, if you let us know what your country is we can provide suggestions for that. I'll also note while we're here that you should make sure to be working with the right type of account: https://www.bogleheads.org/wiki/Prioritizing_investments

Mentions:#VT

What I recommend you buy, in order of most aggressive to most conservative: Bitcoin, SMH, VGT, VOO, VTI, VT

Holy fuck VT pumping .04%

Mentions:#VT

VT and look into BND, VTIP, VCSH. I would probably go with 60% VT 20% BND 10% VTIP 10% VCSH but if you want simplicity 60% VT and 40% BND is fine, there aren't any rate hikes on the horizon.

Any advice for the taxable brokerage? Same 60-40 split between something like VT and a bond fund?

Mentions:#VT

VT and chill in the last 10 years with $10K invested would have returned $25K. SPY would have returned $35K. IWF (growth) would have returned $45K. QQQ would have returned $55K. It’s not VT and chill. It’s VT and lose money.

As a new investor in the US, I wish someone told me; 1. Max your emergency fund. 2. Max your 401K. 3. Max your Roth IRA or back door. 4. Keep 5% cash in HYSA. 5. Invest simple in VOO / VT / QQQ / IWF for growth. 6. Think long term full cycle so 10 years minimum. 7. Don’t time the market, stay invested. 8. Generate TLH every year via direct indexing.

They are both in my brokerage and have VT in my Roth What international etf do you recommend?

Mentions:#VT

VT and chill. Just own a piece of the global stock market and leave it alone.

Mentions:#VT

VT and chill. Don't try to guess which companies, industries, sectors, countries, or regions will do best in the future. There are mountains of evidence showing that professional fund managers with their teams of analysts are unable to consistently outperform the market in the long run. If they can't do it, individual investors like us don't stand a chance other than just getting lucky.

Mentions:#VT

15.8% is definitely outperforming VOO/VT and chill, but it may not do so consistently (and probably takes a bit more effort). Either way, congrats to Barrett on that return.

Mentions:#VOO#VT

You better diversify that VOO with some VT son, don't make me tell you again What the-- Options? Where are your parents...

Mentions:#VOO#VT

60/40 VT/fbtc Boom, done, next question

Mentions:#VT

VT and chill

Mentions:#VT

Depends on definition of "safely." The stock market returns on average 10% per year. That's before inflation and taxes and doesn't include volatility. Bonds are much safer, but don't beat inflation by that much as returns are about half. If you're looking to build a safe portfolio, you're usually looking at combining a mixture of total market and bonds at an allocation you feel comfortable with. More stocks means more volatility but more growth while more bonds means less volatility and asset preservation. You could build a portfolio of VT and BND, with the % allocation of your choice. That covers the entire market + bonds.

Mentions:#VT#BND

It depends on the tax status. If it's an inherited IRA you have to invest long term and let it ride. If it's in a taxable account take a very small chunk and spoil yourself with something you've always wanted. Put the rest in VT and let it ride

Mentions:#VT

A lot depends on your age/timeline, income, other retirement funds, etc. You will get surprisingly good direction point using Gemini or ChatGPT. You can ask the same question and provide enough context to help refine the thinking. All that said, here’s what I would recommend for most people. 1. Set aside 12 months worth of living expenses as an emergency fund and put it in a money market account earning you around 4% 2. 70% of what’s left goes into VT. 3. 30% of what’s left goes into BND.

Mentions:#VT#BND

I’m really boring though investment wise. I use VT which is a split of US / international. Something like a combo of VTI / VXUS.

Mentions:#VT#VTI#VXUS

This is a fantastic and often overlooked point. You're absolutely right to separate the appearance of an investment's performance from its fundamental reality. The listing currency is a lot like the green-tinted glasses in the Wizard of Oz—it changes how everything looks, but not what it fundamentally is. You're spot on with your VT example; much of that impressive-looking gain in USD is just the dollar weakening. It's a crucial distinction that most investors miss, and it highlights the difference between price and value. It’s annoying that brokers make it so difficult to see how your international investments are actually performing once you strip out currency fluctuations. Being able to visualize performance in your home currency is a much more honest way to assess your true returns. Kudos on building a solution for that and for thinking like a true investor.

Mentions:#VT

People in here freaking out over a 2% intraday movement on RDDT. Just buy VT you puss bags.

Mentions:#RDDT#VT

You never know what the future will bring. 4.35% might look really good if stocks go down. 🙂 For now you might put it into VT, which is total world stocks. I guess after that long term it depends on how Interested you are in learning about investing. You could branch out into fine tuning. You could just leave it in VT. Or VTI if you want just US-based companies.

Mentions:#VT#VTI

If you’re buying a European stock, your real exposure is to that company (and maybe the region), not so much the Euro itself. Same goes for ETFs — the listing currency (USD, EUR, etc.) affects how prices *appear*, but not what you're actually investing in. For example, VT looks like it’s booming in USD lately, but that’s mostly the dollar dropping. If you check the same ETF in CHF or EUR, the gains are way smaller. That said, what *is* annoying is that most brokers (IBKR included) don’t give you a clear view of how your ETF is performing in your home currency over time. If you're curious about that kind of thing, I put together a super simple site where you can track ETF prices converted to CHF or EUR: [etfx.net](https://etfx.net) (disclaimer: I built it myself — still very rough, but happy to get feedback)

Mentions:#VT#IBKR

> Because unlike ATT, KO, and VZ, VT actually grows at an appreciable rate while also being literally the lowest possible risk you can take in the stock market. AT&T is up 20% year-to-date. KO is up 12%. Not counting dividends. VT is up 10%. And pays half the dividend. Total world stock market just isn't a very good performer. If you want to be overly safe, stick with an American market fund at the least. VT is a trash decision.

Mentions:#KO#VZ#VT

Yes my apologies, I have VXUS not VT. Unfortunately my work schedule is all over the place, the advisor comes in to meet with us occasionally but not always during my hours or days I work… I’m sure I could make an appointment with him outside work I just haven’t.

Mentions:#VXUS#VT

Sorry, just edited the post… it’s not VT it’s VXUS.

Mentions:#VT#VXUS

The advisor's portfolio is the better portfolio. The advisor's funds and allocations are solid and well-suited for long-term growth. The vast majority of those funds are rated 4 or 5 stars on MorningStar and have solid total returns. The funds a bit expensive since they're mutual funds, so there's probably a way to optimize the advisor's portfolio into lower cost ETFs. My biggest complaint is that there's not a lot of international exposure. Your portfolio doesn't make a whole lot of sense to me. Did you mean to do VXUS instead of VT? Why hold 60% VOO and 20% VT? And, as a covered call fund, JEPQ will always lag behind the underlying (QQQ, in this case) as a long-term investment. It's fine (though there are better options) if you need the income, but if you don't, either choose a fund that pays actual dividends (versus premiums from options) or invest in the underlying. You should definitely have those meetings with your advisor to talk through your goals and the funds so that you can understand what you're invested in and why. But, in this scenario, I would not suggest ditching the advisor and doing it yourself.

His portfolio sucks. Half of these funds have expense ratios >0.5%. It's needlessly complex. There's no reason to buy VOO rather than VTI. If you want a mix of US and international stocks, it makes more sense to just buy VTI and VXUS in whatever split you want. Buying VOO and VT is just buying US and US+international. Sector based funds do not offer any risk premium and are not a wise investment. It's just performance chasing. Sector funds for sectors that have done well in the past 5-10 years are more likely to underperform the market. Watch Ben Felix's video on thematic funds. JEPQ- there is no reason to pursue dividends specifically. Watch Ben Felix's video on the irrelevance of dividends. IBIT- sure, if you really want. Bitcoin is a speculative asset. I recommend limiting this to a small allocation.

Hasn't been a good bet idea the last decade or the last 125 years. 10k invested in VT and VOO om 1/1/2016 generated the following. VOO: 14.36% CAGR with a sharpe of .82 VT: 11.14% CAGR with a sharpe of .64 You can back back 125 years and its the same result, though there has been periods of international outperformance. Europe doesn't innovate, China doesn't maximize shareholder value (only the CCP matters), and many parts of the ROW don't respect property rights. Past performance doesn't equal future returns and all that, but there's a reason the US has dominated.

Mentions:#VT#VOO

Is this in taxable or IRA? VT for total world market. SCHD or VYM or similar for some defensive div plays. MLPX has good non-FAANG exposure that's got a good return (high div, best in IRA) O - Realty Income is still a solid five star buy at this level and gives you good diversity from the usual VT/VOO/VTI. Again, has high div returns. Eat the tax in taxable or buy this in IRA.

Index funds? Not gambling if it's the usual VT, VOO< VTI, etc. individual stocks? Depends on which and why. Percents which is swhich? Figure it out. That's your homework.

Mentions:#VT#VOO#VTI

taxable brokerage is fine. Nothing with high div returns for tax drag issues. VT or VTI is great

Mentions:#VT#VTI

Other folks will have more insightful thoughts to offer, but I'll start by suggesting a few index funds that you can read up on for more info: VOO (low fee fund which tracks S&P500 index) VTI (total US market index) VT (world market index)

Mentions:#VOO#VTI#VT

The boomers are hilarious. “Invest in VT, stay poor, and stay chained to the desk, wagie. You can retire when you’re 65 if you don’t die of heart disease.”

Mentions:#VT

Perhaps take 400k of that and go VT / VGIT, then keep trading with the rest… though perhaps consider Mag 7 and high compounding single stocks over the long term instead of penny stocks.

Mentions:#VT#VGIT

I'd argue most of the things you're choosing are hype-chasing though. The actual simple diversified approach would be something like 100% VT.

Mentions:#VT

I wouldn't even have QQQ. Just Vti+vxus or just VT

Mentions:#QQQ#VT

Never stop. If it works for you don’t fix it. Don’t listen to any know it all on this thread telling you to buy VT or be ultra conservative like an average Joe idiot Good luck and congratulations bro

Mentions:#VT

You are doing a lot of things right, but your investment portfolio is not that good. By just investing in VOO and QQQ, you have all of your investments in the United States. That excessively exposes you to the risks that are unique to this country and makes you miss out on great companies that are headquartered elsewhere.There is also a lot of overlap between those two funds. 85% of the companies in QQQ are also in VOO. Another issue is chasing dividends. Contrary to popular belief, dividends are not free money and they do not compound your wealth faster. When a company pays a dividend, the value of the company goes down by the amount of cash they pay out. Traders account for that, causing the price to go down. Receiving a dividend is mathematically equivalent to selling shares to raise the same amount of cash. Instead of focusing on dividends, it is better to focus on what really matters which is total return; capital appreciation plus dividends. Based on that, consider instead investing in a fund or combination of funds that mirrors the global stock market. I do not know what ETFs are available in Europe, but see if you can find something like the Vanguard Total World Stock ETF (VT). It is a great set and forget solution for long term investing.

Mentions:#VOO#QQQ#VT

If you bought something like SPUU or SPXL/SOXL at the bottom? Yeah, sell that and rebalance to something like 1x leverage like VOO. If you're all VOO/VTI/VT? 22% cash is probably too much unless you're retired.

Hey Buddy, learn about investment strategies and choose one that you like. 60/40 100% SP500 Jack Bogle (SP500, Small caps, Mid caps, a touch of international and bonds based on your age) Stock picking Dividend VT and Chill Target Date funds (They mimic VT early and then change to 60/40 as time goes on) If you want to be conservative so those 30K don't evaporate, you can choose a medium risk 60/40 that has been doing well since the mid 1900s. Annualized returns of about 8-9%.

Mentions:#VT

Just do 100% VT.

Mentions:#VT

VT VT+BND VT+BND VT+BND VT+BND No, there is no reason to prioritize "high dividend" funds. No, funds like QQQM do not offer a risk premium. It just happens to be tech heavy, and tech has done well recently. That's the only reason people talk about QQQM. Tech and communications will not always be the big winners.

Mentions:#VT#BND#QQQM

I'm not getting out. And I've lived thru the same. I am essentially slowly moving from VTI to VT, as I can. I think we are living thru the decline of an empire, and acting accordingly. The signs are there. I don't know it for sure, but I'm not going to let survival bias cloud my thinking either.

Mentions:#VTI#VT

Other reports indicate some fuel switches were installed without the locking feature engaged. An advisory was issued, but it was not mandatory: “in December 2018, the US Federal Aviation Administration issued a Special Airworthiness Information Bulletin (SAIB) highlighting that some Boeing 737 fuel control switches were installed with the locking feature disengaged. While the issue was noted, it wasn't deemed an unsafe condition requiring an Airworthiness Directive (AD) - a legally enforceable regulation to correct unsafe conditions in a product. The same switch design is used in Boeing 787-8 aircraft, including Air India's VT-ANB which crashed. As the SAIB was advisory, Air India did not perform the recommended inspections.” https://www.bbc.co.uk/news/articles/cx2gy78gpnqo.amp

Mentions:#VT

I'm exposed to Bitcoin because some of the companies that make up VT hold some amount of Bitcoin. And that's the exposure level I personally am comfortable with. Let the market cap weights figure out how much Bitcoin is right.

Mentions:#VT

Hope you did that in Feb bc a lot of that is priced in already lmfao esp with where DXY is at But I think a lot of US investors are realizing what the rest of the world has been doing this whole time: in the long term, averaged over time, unless you're Warren Buffett, diversification is the name of the game. US investors have gotten away solely investing in the S&P because of the post-WWII dominance of the US, but there's no guarantee it'll continue into the future. Just ~~VOO~~ *VT* and chill.

Mentions:#WWII#VOO#VT

Congrats, with this pile your mom can chose to not work another day after 59.5. Chuck it in some reliable dividends and you can easily clear six figure distributions. Although a solid portfolio would consist of a 60/40 split US to international stock (VTI,VXUS, VT), GOLD, Real estate. I'd stay away from bonds as the US is in a dire fiscal situation that can only be remedied by negative real rates(i.e inflation higher than bond yields) meaning you would lose more purchasing power than you gain in returns from bonds. GOLD is set to outperform even the market in the medium term because of this.

I don't like the idea of paying higher fees for VT. I'd rather do my own ratio of VTI/VXUS and get the same result for less fees.

Mentions:#VT#VTI#VXUS

Is it in a taxable brokerage? If so, I would sell half or more of it, but you will have to figure out the tax implications. Then put it in VTI or VT and let it ride for 20 more years. I think now is the ideal time to take some profits.

Mentions:#VTI#VT

You don't tell us your income overall, and also relevant is the state tax situation. For example, I'm in California, which doesn't treat capital gains different from other income. And I have a similar situation with Google stock - I have a lot of it, it's going quite well, and it makes sense to diversify. So what I'm doing is, every year, selling *some* of the stock. In a year where I make very little other money, I sell more of it. And then I'm rolling that money right into VOO or VT. So I'm keeping the tax hit small, in a situation where if I need money in a hurry I won't be clobbered with taxes (I can draw from the VOO where I've already realized a most of the gains). This works very well for me since my income varies a LOT year by year - so there have been years when I'm able to realize $30k of gains without paying a cent of federal income taxes on it. Others years I might just sell a few thousand or none at all. I'm paying a few percentage points of state tax, but again I keep that lower by realizing my capital gains over time.

Mentions:#VOO#VT#LOT

> Why would you buy VT and get nearly no dividend yield? Because unlike ATT, KO, and VZ, VT actually fucking *grows* at an appreciable rate.

Mentions:#VT#KO#VZ

I would diversity tech with VT (US only), or better yet for more diversification with an even lower fee, VTI.

Mentions:#VT#VTI

passive index investing is the way. VT and chill

Mentions:#VT

I hope you are maximizing all your tax advantaged opportunities (401k, HSA, IRA). And unless you are an absolute stock MASTER - I recommend VT then VTI for huge diversification and minimal e/r (costs).

Mentions:#VT#VTI

You're totally discounting share price growth. If I have four million, I'm buying VT and chilling for life. I'm not going to be dumping my life savings onto individual 4% yielding Boomer stocks that could crash next year.

Mentions:#VT

Full port in RKLB and QS. This is my VT and chill.

Mentions:#RKLB#QS#VT

Most people are dumb. Most people are also bad with money. There's quite a bit of overlap. But there are smart people who are terrible with money too, and even the dumbest person can make great choices by avoiding debt and unnecessary spending and investing in VT or similar.

Mentions:#VT

seems you need a complete personal finance guide. well her you go 1st Priority * Sort your budget ie live within your means * Get an emergency fund in a HYSA (3 months of living expenses)  * Match your employer contribution to a 401K  * Max HSA * Pay off high interest debt eg credit cards * Max your ROTH IRA  2nd Priority * Max your 401K  * Max Backdoor ROTH * Pay off medium interest debt eg school, car loans * Build emergency fund to 6 months 3rd Priority * Fund a non-tax-advantaged brokerage account * Invest in real estate  * Pay off low interest debt eg mortgage * Build emergency fund to 12 months Misc * For any retirement/investment accounts, keep it simple. VOO or VT or VTI  * Build good credit by paying off debt in full each month early while keeping credit utilization low each month sub 25% * When you get closer to retirement, you want to allocate a % of  your portfolio to bonds eg 80/20 or 70/30 or 60/40 * Get health insurance * Get disability insurance * If you have kids or a spouse get term life insurance * Aim to have 25-30 times your annual living expenses by retirement age ie 60’s

Mentions:#HYSA#VOO#VT

I’d love to see why someone downvoted you. I flip a count every paycheck. Everything surplus prior to that deposit goes into a tbill ladder (sgov) or VT. Thank the machine gods for automating cost basis.

Mentions:#VT

Yep. Only use for Hood is an IRA. That 3% match is worth it for the VT and chill part of my portfolio.

Mentions:#VT

What are they charging for management, and what funds are you in? They are currently managing it, but that doesn't mean they should. There's no evidence that FAs or fund managers can outperform market benchmarks, beyond what is expected from random chance. The simple method that gives you the best risk adjusted returns is to stop paying advisors and active fund fees, and just buy VTI+VXUS, or VT. If you really want, to keep the current large cap set up, then you could buy a US extended market index, like VXF. This would complement large cap holdings and make a sort of bastard total US allocation. Something like 85% large cap and 15% VXF would approximate VTI.

I, personally, believe that a well-balanced portfolio includes both stocks and bonds. Therefore I would never own 100% QQQ or 100% TLT. My dad raised me "age in bonds" so for a 40 year old person that would be 60% stocks and 40% bonds. Then there is the separate question of "are TLT and QQQ the best bond and stock ETF, respectively?" I personally think they are too narrow in their focus. Maybe I am missing something obvious, but I don't understand the advantage of owning only 100 non-financial NASDAQ stocks (when I could own thousands of stocks with VTI or VT) or of only owning 20 year treasury bonds (when I could own a broad basket of bonds with BND or similar). If I guessed wrong and some other asset ends up outperforming (like corporate bonds outperform treasuries, or NYSE stocks outperform NASDAQ) then I would feel a terrible sense of FOMO that I had an opportunity to buy into these assets, but I was too narrow in my focus.

Please. No crypto, no QQQ, no dividend funds. No individual stocks. Individual stocks introduce uncompensated risk. Generally the best plan is index fund ETFs like VTI + VXUS or just a single fund portfolio with VT. Set it and forget it and likely be wealthy eventually if you do that in all of your tax advantaged accounts and max them out asap.

VT at this point. I wouldn’t want to be too US heavy now.

Mentions:#VT

Just put it all into VT or VTI

Mentions:#VT#VTI

VTI for USA market and VT for global and that’s it. Nothing more.

Mentions:#VTI#VT

When you say you have made 10.8% do you mean cumulative or annualized? If you started investing early 2021 then a 10% annual gain is just about on target for what you should expect from a diversified portfolio, that is very similar to the returns of VT.

Mentions:#VT

Depending on who you ask on this subreddit, it's any of those. VTI, VT, VOO, all depends on your desired diversification.

Mentions:#VTI#VT#VOO

Congratulations! I also just sold all of my NVDA and plan to DCA into VT over the next 11 months, also due to the Orange guy causing volatility. I only started investing in 2023, I fucked around with stupid stocks at first but ended up getting out of those and putting all my money into Shopify, NVDA and AMD. I have a retirement fund in HK solely on North American equities (similar to VOO/VTI) so I thought some individual stocks were fine. Ultimately I guess I value the fear of losing my gains more vs losing out on future gains. No where near the % of gains as you, but NVDA and SHOP has treated me very well, I plan to hold AMD until it reaches its previous ATH after that it's all VT for me. I'll be roughly 74%-26% in US VS Other markets once all my current cash is invested and even though I'm not from US nor live there, I feel this is the way forward for now. .. though similar to you, if NVDA does drop again, I probably won't be able to help myself but pick up some more shares.

Many brokers have $0 minimums and require only $1 to trade. So, not really much of anything you need, money-wise, to get started. You won't be gaining much from a single dollar invested, but really your gains for the first decade or so are mostly going to be from how much money you put in. So get it set up and the money flowing, that's the important bit. Robinhood is fine. There are plenty of other good options too (I use and like Schwab, Fidelity is very popular). Whatever is easy for you. There are many poor investment strategies, and a number of reasonable ones. One that is commonly recommended is the so-called Boglehead philosophy, because it is not only effective but very simple and requires very little time. If you want to learn how to identify good investments according to that method, you can start at https://www.bogleheads.org/wiki/Getting_started . If you don't care at this point how we get to the answer and just want to know it, here it is: put the whole account into either VT or your broker's indexed target date fund.

Mentions:#VT

I recommend reading the investment advice on the sidebar links over at r/Bogleheads or any of John Bogle's books before committing to paying an advisor to manage investments. Basically the idea is that no one can 'beat the market' consistently. (Obviously everyone tries and everyone can't be above average...) so the best approach is to use low fee index funds that cover the whole market. Vanguard's VT is pretty much the ultimate 'whole market fund. Or a combination of VTI and VXUS gets the same thing. You can buy these yourself at Vanguard, Fidelity, etc. in self directed accounts instead of wasting money paying someone else who won't end up doing any better.

Mentions:#VT#VTI#VXUS

Just keep doing what you're doing, managed brokerage advisors are just salespeople, they'll dump you in a bunch of fancy sounding funds that roughly and less-efficiently map to investing in VOO or VT, and charge you 4-5% for the service. Until hit mid-millions, a simple 2 or 3 fund (international via say VXUS, bonds via say BND) is a solid play for 100ths of a % in fees.

That's completely false. Why do you delude yourself like this? The majority of people do underperform the market, but it is not "nearly all". The reason most underperform is they pick VT and VXUS and other longterm dogs instead of VOO, but you have to try to appreciate that most people and funds underperform VOO because of bonds. Sensible investors aim for their equties to do as well or better than VOO... but they also have cash, bonds, real estate etc which will usually underperform VOO. \> they have to be even more important than everyone else already expects them to be. The market doesn't work like that.

Mentions:#VT#VXUS#VOO

Chase has self directed brokerage as well which is free. You don’t need a managed account for 100K. Just put everything into ETFs such as a mix of SPY, VT and BND. Also if your total portfolio with them is more than 250K, you’ll be eligible for a private client account, which has its own benefits and access to a fiduciary. I’ve never paid for advice or trading in my self directed accounts. My portfolio is 7 digits.

Mentions:#SPY#VT#BND

If you’re willing to occasionally rebalance, 60/40 VTI/VXUS is objectively better because it’s a 99% match to VT and has lower expense ratios. FZROX/FZILX is even better if you’re willing to stick to Fidelity

Neither of those investments are tracking what you think they are. They are both growth-oriented funds. Growth here is a technical term that in essence means "these companies are priced higher because we expect them to grow more". It doesn't mean they actually will grow more, and in the longterm the opposite side (value) has actually lead to slightly higher returns. The s&p 500 and the DJIA are both intended to represent the direction of the total market, ie no growth vs value filter. If you actually want to invest in the S&P 500, buy a fund like VOO. Other reasonable alternatives: * buy the total US market (VTI) * buy the total world market (VT) * perhaps the best option for you, buy your broker's indexed target date fund, which will buy the whole world's stock market, plus bonds and perhaps a few other assets, in a reasonable mix that adjusts over time My personal strategy follows https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy, because it is well-supported by evidence and theory, and is extremely simple.

The HYSA is probably your best bet. Other options: If you invest it in a treasuries money market like VBIL, the interest will be free from state income taxes. Otherwise it's very similar to your HYSA. If you're ok with some flexibility in your sabbatical, you could shift some of the money into something like VT. You need to be prepared for the possibility of it losing, say, 30% of its value, but it may also grow enough to give you another couple of months. Good luck! I'm wrapping up one of these now, and while it's been very different than what I expected, it's been a really healthy time for me. I hope this will be similarly for you.

Mentions:#HYSA#VBIL#VT

Sorry but what’s VT?

Mentions:#VT