VT
Vanguard Total World Stock Index Fund ETF Shares
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Is it ok to never have bonds if you start investing early?
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Low volatility factor investing is criminally underrated
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Is my portfolio made by my wealth manager too complicated?
Are these good lump sum buy and holds? VOO, VTI & VT
Thoughts on transferring “all” of my savings into equities
How should I invest to build wealth long-term in my early 20s?
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Would AVLV theoretically be any more profitable than a passively managed fund like VOO?
How much reasonable risk should I take on to maximize profit?
what's the point of tlt if it's just as volatile as stocks
I have a mental issue when benchmarking my portfolio - looking for advice.
Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Selling equities at a loss to pay for high interest mortgage
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
Have money in both Sofi Auto Invest and VT via Fidelity. Should I consolidate?
28yo, Is selling all my VGT and buying VT timing the market/performance chasing?
Are my portfolios any good? 96% equities / 4% real estate
"No more than 20% of one's stock portfolio should be allocated to foreign stocks? - Jack Bogle - Does this advice still ring true today?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Anything I should be doing to be more aggressive with my VOO/VT portfolio?
Why is the solar industry performing so poorly?
My un-intelligent way to make bets, as of now
What Do I Diversify Into? (small $ monthly investments)
Wanting to invest recent VA backpay - thoughts on how I'm proceeding about doing so
Invest in VTI and other "feel good ETFs" if you want to make less money.
How long do you recommend paper trading before doing actual trades?
Fidelity's Limited Automatic Investing Options vs Having More Accounts
My friend claims my method for investing may not be allowed, can anyone clear this up for me?
How is my Vanguard performance returns negative, when my investments are in the green?
why do people act like if the markets are down over a decade or more the world will turn into the last of us
How safe are ETFs if broad index funds didn't exist?
If safe ETFs broad market were an option - what would you chose?
Selling long dated deep ITM SPY or VT puts instead of holding shares.
90% are in blue chip stocks and VOO/VT (~85%). Also new to investing RIP
Should I keep holding ENVX and buy the dip?
Steak (Live Cattle) hits an all time high.
Please don't crucify me.. What is the actual point of all of this?
My Dividend Portfolio, 60 / 20 / 20 - VT / VIG / SCHD
Mentions
On my Roth and traditional IRA, I put it all in VT and forget it.
I would go with CLOZ and VT. CLOZ is a safe reliable dividend payer. VT is the total world market. put 50% of your yearly depoist in each every year and don't automatically reinvest the dividend for CLOZ. Use the dividend to buy more VT. Eventually the dividend income will exceed the 7500 contribution limit. But you can still contribute $7,500 a year. As you get closer to age 60 switch to reinvesting the dividned into CLOZ. Over time you can add more funds as you learn more about investing.
VT does not qualify for the foreign tax credit as it is not currently more than 50% international equities. So holding VTI+VXUS is slightly more tax efficient. You will get the foreign rsx credit for VXUS. You may have to do a little rebalancing (just once yearly is fine) to maintain the correct ratios.
No, it does not work. It might be Amsterdam supports fractional shares for VWRL. Not sure what it matters what I do, but I buy VT.
Buying during run up = FOMO in. The panic selling out, that would have been to other investments you likely made, the actual reasonable ones like VOO or VT that I was replying to. You don’t seem to understand what opportunity cost and counterfactual are. Which is fine. You don’t even know to be embarrassed to say you held something during a historic 15 years of the market. Best of luck to you sir.
No. Just put money in VT or something like it. The pros almost never beat it.
Splitting them makes it far easier to tax-loss harvest the individual asset classes so I would recommend purchasing shares of VXUS so the total percentage is roughly the market cap of VT.
Might not want to realize capital gains from selling VT?
I agree with the other user pointing out that VT is the entire stock market. So you're doubling up on VOO and VXUS by sticking with VT. Personally, I would probably just toss that money into VOO or spit it amongst VXUS and VOO at you desired balance. Others may have different opinions.
What's the point of holding VT when you already have VOO and VSUS?
Thoughts on my current ETF split: VGT 11% - VOO 51% - VXUS 24% - VT 14%
I would stick with VTI + VXUS if you already have a large amount in VTI, especially in a taxable account. VT is convenient, but tax-wise it doesn’t change things dramatically.
VT and chill. Starting early is the most important part of investing.
- VT: this is certainly easier however you are then at the mercy of the index methodology rules. Vanguard replicates the FTSE all world index. - VTI + VXUS: requires some maintenance from time to time (maybe annually if not every 3-5 years) along with a “plan”. By plan I just mean set a default target like your 80/20. The benefit is you get to set your own risk metrics here when it comes to US vs world balance. - for example I do 2 funds to keep a different mixture to the world index. The reason is historically US tend to account for maybe 45%-50% of the market cap. Due to the sharp run up in the last 5-6 years, now US cap accounts for ~70% and I view that as out of balance. So I use 2 funds to bring the allocation back down about 50% target US vs world. - it also allows me to take a view for the short term like lowered US exposure to 40% since beginning of 2025 which helped out a lot this year because of the outperformance of international markets.
I went 30% with VXUS because if you look up the portfolio make up of VT, the international market makes up about 35%.
Benefit on the tax end is that if you ever end up having enough itemized deductions to do itemized rather than standard, you can claim foreign withholding tax for VXUS, but you cant for VT. Makes more sense to keep them separate. Could push it to 70/30 imo.
Look at NATO and EUAD if you like defense/aerospace. This would diversify your portfolio towards Europe. There's also a new EU ETF called wisdom tree WDEF. Also KDEF holds Korean defense. Importantly you could look at XAR, UAV and JEDI, which hold drone tech companies. I also like Rolls Royce (RYCEY in the US). I also like the solid VTI/AVUV advice (see VT as well). I don't invest in those other sectors you listed.
Oh I only moved to SGOV in mid-November. I have a few thoughts as to how/when I'll re-enter into VOO or VT.
LEAPS calls only offer one advantage, and many disadvantages, over just buying SPY shares, or if you want to go more concentrated, QQQ. You don't have to buy 100 shares, you can buy whatever you can afford and then DCA more in over time. The one advantage is leverage, so unless the one and only thing you care about is leverage, enough to put up with all the disadvantages, just buy shares. The CSP trade you described is called The Wheel. The Wheel is just a bull stock trade with more steps. It performs worse than just holding shares in a bull market. It performs slightly better than shares in a bear or flat market. So my advice is just stick your 5% back into reliable ETFs. I'm not sure what "slow growth" means -- kind of sounds like bad ETFs to me -- but if they are good ones, just reinvest. The good ones would be SPY, VOO, VTI, VXUS, VT, or QQQ. If you don't have shares in any of those, you are probably leaving money on the table.
Yes makes sense but to be honest i dont see the pojt in paying 1% fees when they will just create a VT equivakent portfolio for me with a potential bond/mm/hysa portion when I can do that myself. Can you share how your wealth manager created a strategy for you that you didn't think of or couldn't manage yourself? Or to share the strategy for my info?
For long-term investing, I prefer broad, low-cost ETFs that remove the need for constant decisions. Vanguard Total Stock Market (VTI) appeals to me for full U.S. exposure. Vanguard Total World Stock ETF (VT) works well when I want global diversification in one holding. iShares Core MSCI World (IWDA) stands out for steady developed-market exposure. They suit a patient, long-term mindset.
You can become a multi-millionaire by retirement by just investing a percentage of each paycheck (10-25%, start low if you need to but it has more growing power the earlier you start so do whatever you can) into a well-diversified index fund and letting it compound over time. VOO if you want to bet on the 500 most powerful US companies, VT if you want to invest globally so you come out on top no matter what nations rise to power. You don't need to spend your days sweating your individual stock picks, you don't need to be watching finance headlines, you don't need to panic when the news reports that the individual company you're heavily invested in uses parts that cause cancer, just set it and forget it. You'll see stories about people who made instant 5x-10x gains picking individual stocks but you won't see the more numerous stories of people who lost money being individual stock pickers.
> If you put in even a little bit of work you can absolutely beat just a pure VT or pure VOO dca buy and hold forever strategy X to doubt
>There is no alpha anymore, not in the US market anyway. I don't think that's true. If you put in even a little bit of work you can absolutely beat just a pure VT or pure VOO dca buy and hold forever strategy, (in a tax advantaged account where there's no penalty for frequent trades) In a taxable account it's very hard because on top of having to win trades you also have to pay taxes on gains, so in my taxable brokerage I basically bogle head it.
$70k on $2M is 3.5% withdrawal rate, which is conservative. With flexible spending and a pension at 65, you're in good shape. Portfolio structure I'd consider: 70% global equities (VT or similar), 25% bonds (for drawdown cushion), 5% cash (1-year expenses). Rebalance annually or when equities hit ±5% from target. Withdrawal strategy: Take from bonds/cash during equity drawdowns, let equities recover. Refill cash/bonds from equities during good years. This avoids selling equities at the bottom. On USD/EUR: keep 2-3 years expenses in EUR-denominated assets (European bonds or cash). Reduces currency risk on near-term spending. Convert the rest as needed, but don't obsess over timing the exchange rate. Your biggest risk isn't portfolio failure, it's lifestyle creep or unexpected healthcare costs. Build those into your flexible spending assumptions. At 36 with $2M and pension backstop, you're already past the hard part. Just don't get fancy with the portfolio.
Great job starting young. Personally, I'd buy a total market index fund (VTI) and live your life. Or if you want to live a little add VXUS. Or if you're lazy but like global diversification just buy VT.
VT is the best stock, it's great that most of your portfolio is in it. SMH exposes you to a ton of uncompensated sector risk so is really not necessary and would be better in VT. Physical silver is historically a terrible investment with high volatility and low returns, and you definitely should not own PSLV. IDMO is ok. I'd prefer to see like a small cap value fund here. Momentum as a risk factor is only examined by behavior and can for thst reason be considered a weaker factor than size or value which have systematic risk-based explanations. But I don't hate IDMO. I don't hate VWO either, I think slightly overweighting emerging markets has a strong thesis. I'm a little bit concerned that you seem to have designed this portfolio by taking 50% VT and for the other half just picking things that did extremely well this year. You can't just buy whatever did well last year, because they may well not do well next year. And if you then sell those things and buy whatever did well that year, you're buying high and selling low and that's how you underperform.
I'm just sticking to ol faithful VT.
Or VT which I’d feel more comfortable with and he’s talking about adding vxus already
I would recommend 100% VT and chill, but I think I walked down the wrong hallway...
It has a history of and future surety of outdoing the s and p. Otherwise stick to VT
Eh. $20 a week isn't that bad if you treat it as an educational/entertainment expense. Unless he's 13 and planning on sticking with the weekly deposits until retirement, the VT isn't going to add up to much.
No, buy VTI or VT and don’t consider that you can pick winners. Set and forget.
Horrible advice to not use the SMA. You cannot properly tax loss harvest with only VT. You should have multiple thousands in carry-over losses by the time you retire to offset cap gains during retirement distributions. Please do not present wrong advice especially when it is so confidently wrong. This is a great example of the Dunning-Kruger effect though.
Don’t forget “VT fanatics”.
For 18, this is actually a pretty thoughtful setup. Having 50% in VT already gives you a solid global core, which a lot of people skip early on. The main thing I’d watch is concentration risk. SMH at 20% and PSLV at 14% both add volatility — not necessarily bad, but it does mean your returns will swing more than the market. That’s fine if you’re comfortable sticking with it during drawdowns. One way to think about it is: Core = stability (VT) Satellites = conviction plays (SMH, PSLV, etc.) As long as you’re aware of that trade-off and not changing your plan every time the market moves, this is a reasonable starting point. Over time, you can always simplify or rebalance as your risk tolerance becomes clearer. You’re already ahead of most people your age just by thinking in terms of allocation and long-term holding. If you ever want to talk through how people usually think about balancing core vs satellite exposure (purely educational, no advice), I’m happy to chat 1-on-1.
VOO is just the US S&P 500. VT is the total US stock market AND international exposure. Downside of VOO is lack of diversification.
I find UPRO runs well with either VT or VXUS. Such as 50% UPRO and either 50% VT or VXUS
I’d add structure, not more stocks. 60–70% core ETF (VOO / VT / XEQT) for broad market exposure. 20–30% in your highest-conviction names (ex: NVDA, GOOGL, MSFT, AMZN). Max max 10% speculative plays (ASTS, RKLB, RDDT, etc.). Same upside drivers, but less single-theme risk and far better survivability in a drawdown. Diversification isn’t about owning more tickers, it’s about not betting everything on one narrative.
VOO tracks the S&P500, which itself is driven mostly by the handful of mega cap tech stocks at the top such as NVDA, AMZN, AAPL, ect. VT is a bit of a safer investment since it includes over 10k companies with a significant portion of them being international holdings. It will still be driven in large by those same companies because well, those companies are a significant percentage of the world's equity markets, however its still an overall better diversified fund with a good amount of international exposure.
Over 95% of people don’t need any financial advisor at all. Also, they don’t always have your best interest in mind unless they’re a fiduciary. They often pick mutual funds that have excessive fees and get a kick back from that fund depending on how much they can get their clients to invest. That doesn’t mean that’s the best choice for you and it rarely is. They often have obscenely high expense ratios and underperform the market even before accounting for the difference in expense ratios, aka fees. Think about it, if that mutual funds or the product they’re selling is good, why then would they even have to pay a kick back to these so called financial advisors ? People would already be flocking to buy it. For the majority of people a low cost diversified ETF like VT is all they need until retirement or a few years before that. After that, best is to move to a 60/40 portfolio with 60% still in say VT and the other 40% in safer holdings like bonds that pay out fixed incomes and are more stable for retirees who can’t afford much volatility. Bottom line is most financial advisors (if not all) sell you underperforming products that they get kickbacks from and also by investing you in complex products, they make it seem like investing is very complicated. Think about it, why would anyone pay their advisor if they invest you in VT ? You can do it yourself and keep the money. You’re just paying for nothing. If you actually need a financial advisor at all, please for God’s sake make sure they’re a fiduciary.
The issue is people here don’t know the full story and half the people (being generous) have no financial literacy beyond parroting things they’ve heard like “VT and chill” which could be a terrible plan for you. Given you have concentrated company stock if it’s highly appreciated there are many ways to exit future positions tax neutrally using an SMA. Ask the advisor point blank why is this better than an index fund for me? With my plans to diversify out of my concentrated position does this add any tax benefit?
Way too complex and you'll have headaches rebalsncing. I'd just do a VT and chill approach
Anyone who is learning to should ONLY buy broadbased ETFs. VT is an all world market cap weighted ETF that holds 9957 different companies' stock. If you're not an experienced investor and have shitloads of money to lose, you do not start with penny stocks. Or you do, and learn like several hundred thousands of others like you who are impatient and want moonshots, then get burned on pennies and then quit investing forevermore. [https://investor.vanguard.com/investment-products/etfs/profile/vt](https://investor.vanguard.com/investment-products/etfs/profile/vt)
It isn't. 90% VT and 10% bonds is. Because a lot of people panic sell, and the bonds help with that. But if you want to be a coop guy and not hold bonds then 100% VT is the best risk adjusted returns anyone is getting without like complex risk parity stuff.
The $25 is all I'd want to risk weekly while learning. Once I get the hang of it I can do a lot more. What is VT?
Context matters. Do you have $20-25 because you're dirt poor/low earnings and that's all you can save up? Or do you view the $20-25 as FU money and you've got enough saved aside as emergency funds to save yourself if needed? If it's the former, just VT and forget about it. If it's the latter, go ahead and buy some that fall between moonshots and and stable growth (Don't buy dumb shit like KULR, IPST, BYND. Consider stuff like POET, ABCL, RKLB, ASTS when they were pennies.)
Do you split VTI and VXUS or just stick with VT?
Too many funds. Why not just do total market funds for your base (VT or VTI + VXUS) then set a percentage allocation for speculation and momentum?
Cherry picking to site the ai/crypto bull market as a case for being all in r3000 growth. Investors aren't looking for max returns, they look for. The most consistent risk adjusted return overtime. VT or a vti and international fund is the way to go for 99 percent of people with a time horizon over their nose.
Bro. Fire finance advisor, he's trying to line his pocket with a minimum of 1-3% PRE-gain per year for his 'fees'. Read the following wikipedia page for Boogle Three funds - [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio). This a 'proven' method for gaining and compounding 'principal' capital over time. If you're going to be lazy as F\*\*\*, just shove it into VT - [https://investor.vanguard.com/investment-products/etfs/profile/vt](https://investor.vanguard.com/investment-products/etfs/profile/vt) both methods essential 'mirror' the stock market. Ride it out, don't panic sell and hold. Details of three fund ROI - [https://portfolioslab.com/portfolio/bogleheads-three-funds](https://portfolioslab.com/portfolio/bogleheads-three-funds) Example of vt (hit all ) - [https://finance.yahoo.com/quote/VT/](https://finance.yahoo.com/quote/VT/)
Look if you’re playing the long game and want to build some serious sustainable wealth, here’s how I’d tweak that portfolio to keep it steady. Pump up the VT The Core: You gotta beef up your VT to about 60% or 70%. Think of VT as your foundation it’s the 'set it and forget it' part of your portfolio that’s gonna keep you from crashing and burning when things get shaky. Trim the Silver: Honestly? 14% in PSLV is a lot. Silver is cool and all but it doesn't pay dividends. I’d cut that down to maybe 5%. You’re 18 you want your money working for you in assets that actually grow not just sit there looking shiny. Cap the SMH: Keep the SMH for sure. Semiconductors are the future. But 20% is the absolute ceiling. Don't go chasing the hype any higher than that or you’re basically gambling not investing. * **VT:** 65% * **SMH:** 15% * **IDMO/VWO:** 各 7.5% * **PSLV:** 5%
With indexing? Buy a world market index funds like VT with what you can every month, never sell unless you need cash to spend and you'll do great
SPMO Doubles return of IDMO since inception(2015) and lower downdraw. SLV beats PSLV \~15%. Not a fan of International, but it's running now. 20% semis? Not much Tech except for whats in VT & SMH, maybe XLK or FNGS for Semis & Tech. GL...
But 100% VT? How is that appropriate risk taking for 99% of people?
Exactly, recommending VT is exactly like recommending Cisco. Same performance. People might be completely dumb continuing to buy VT and even dumber recommending it year after year.
Im not big on VT due to the 37% international
I would imagine this person would want better performance than 100% VT though lol
Pretty easy to look ar performance of VT vs SPY/VOO/SPX. Do not listen to the person above about VT 100%, they’re clueless.
How come 100% VT is recommended for 99% of people?
Shit AI has made a financial advisor at any net worth a no go... I've made a million portfolios better than VT and chill or for some schmuck to skin off the top
This is actually far better than most. 50% VT is a great base and you have other international equities. 14% in silver is a little performance chasing, and 20% in SMH is a heavy sector bet. But the rest is solid. I’d say if you believe in the momentum SPMO is a good momentum for US. Something like this 55% VT 15% SPMO 10% IDMO 5% VWO 10% SMH 5% PSLV I personally wouldn’t have the smh and pslv because I’m not a sector/commodities person, but I didn’t completed remove them. I’m a fan of factors so I kept the added to that.
What is your age bracket? That fund he recommended has an expense ratio of 0.86% which is insane. You don't need it. Simply buy ETFs that track the broad U.S. market like VTI or a total world market like VT. Even a simple **asset allocation fund** like AOA or AOR that has a small amount of bonds in it (20%/40%) will fare better during downturns (in a low interest rate economy) and have a cheaper expense ratio of around 0.15%
Such a reddit response. You folks truly believe that 100% VT was the right move when VOO earned almost 100% more… truly sad what this subreddit is peddling. Downvote away sheep
That fund has a 0.75% management fee, fairly reasonable, and has outperformed its index and vastly outperformed your suggested VT. You're treating passive investing like it's a religion.
VT. It has international, vti doesn't. Bonds can be bought without a fund. Just Google how to build a treasury ladder. If the market tanks, bonds usually gain value as capital looks to safety and rates drop in response to recession housing bond values higher. So bonds give some income over time while also gaining value in bad times that you can use to either live on or buy more stocks at lows.
SMA is an insurance product sold as an investment. He/she probably sells life insurance too… Get a real financial advisor. Maybe go to a local Fidelity or Morgan Stanley office and talk to FAs there. Or just open an account at fidelity and buy one of the good ETFs like VOO VT VTI
100 percent VT. Fire financial advisor. Probably the tax advisor too. IF YOU HAVE LESS THAN 1 MILLION DOLLARS in investable assets you do not need an advisor. Lump sum into VT or whatever diversified low fee find you want, then add what you can over time. This strategy should be followed by 99 percent of people under 50. Over 50 consider a bond allocation starring at 20 percent and increase it ten percent per decade. Just venmo me that 1 percent advisor fee when you have time.
Learning the how of the Boglehead method for long term investing takes about ten minutes. Buy 70:30 VTI:VXUs or VT and add some bonds if you are so inclined. It really is that easy - again for LT investing only. Understanding why the Bogle method is a good way to go takes a bit longer, like an afternoon or reading the book over a few days. Some people just can't stick to the simple Bogle method. They think they have some better ideas and tinker with timing the market. doing factor tilts, etc. They might do better by luck, but they are taking on uncompensated risk. Luck = Gambling. Wise saving and investing for shorter term goals gets trickier to learn. Some (many) people just will not put in the effort. You would have to mess it up pretty badly to be worse than paying an "advisor" tens to hundreds of thousands of dollars over the years.
You could do 60%VT and 40%BND Target date will adjust each year. Also consider taxes in a brokerage too.
I made many bad decisions in the past and lost a lot of money, but in the long term it has gained me money because I know what to do know and won make the same mistake. I would suggest 2 alternatives 1. Something totally hands off like VT. Focus on your savings and be comfortable with a market return. This is the best choice for 99% of folks. 2. If you do want to invest yourself, read everything the best investors I history have ever written. Buffett, Munger, greenblatt, nick sleep, etc. these guys are some of the most successful investors in history and wrote plenty on how that did it. I would only do this instead of option 1 if you are willing to become obsessed with it and spend time basically everyday learning.
All you need is VT. It tracks the global stock market allocation for you at a very low cost. In a taxable account, I recommend splitting it up, but for a Roth, VT is excellent.
The nice thing is, in a tax-sheltered account like a Roth IRA, you can change your mind and swap investment strategies with no tax hit. So whatever you choose *right now* you could do a 180 on a month from now; no big deal. I'd make the case that for your first *10 years* of investing, the most important decisions you can make are your budgeting and contributions; the more you can save the better. Biggest thing working in your favor is that you're 32, and have ample time to build things back up before typical withdrawal age (60+). You could make this very simple and just invest in an all-world, all-stock ETF like "VT." Or that mix of FSKAX and FTIHX you were doing. Whether you do 80/20, 60/40, or 100/0 I think is going to have far less significance in the immediate term compared to just how much you can shovel into the account overall.
I'm not sure what you're asking. Maybe you're asking what to invest in for the long haul. That's easy: broad US market ETFs like ITOT, VOO, or VTI (you really only need 1 of these). Some international is probably good so sprinkle in some VT.
Your own account with the child as beneficiary makes the most sense to me. That way you can decide when to give the money. Another additional way to help your child is to set them up with a custodial Roth IRA when they start earning money. You can be the one to fund it as long as the child made equivalent earned income. Retirement accounts are not reported for FAFSA, at least under the current regime. Parking a bunch of money in VOO, VTI, or VT is a simple and historically effective way to generate wealth.
40% is a very large percentage for a single stock, but selling means you would incur a lot of capital gains unless this is in a nontaxable account. If it were me, I would hold the current position but put everything going forward into a VTI/VT fund with the goal of reducing the percentage of your portfolio in MU to 10% or less. Without knowing how much we're talking about and your income/savings rate, I don't know if that would take three months or twenty years of savings. The longer it would take, the more inclined I would be to sell some and take the tax hit now for diversification peace of mind.
VT/eMaxis Slim All Countries is the actual “market”
I just fired EJ after 5 years, I am 59 just broke $3M in investments. My money doubled with him but the fee drag was noticeable. But the kicker was the retirement plan showing us dying with $3M and him earning 30k/yr for 30 years of managing a 50/50 portfolio. No amount of tax planning or Roth converting or withdrawal strategery justifies that AUM fee. And 30-40 holdings was just not necessary when I could just VT and chill until I retire. Put your money in a few low cost balanced funds matching your risk tolerance and only pay for financial advice when you need it.
Wow thank you for the advice. I think if I do transfer to Robinhood, I will put it all into VOO, VT and maybe QQMG. I may just keep the acorns account for the roundups and weekly automatic investments but I ola on doing a lot of research before individual stocks for sure. Thank you again!
It really doesn't matter much and falls down to which app experience you like better. I personally invest into Fidelity as that's where my 401K is and I like to see my entire port in one place. Maybe you can hold off til you get a full-time job and transfer it to whichever brokerage your 401k goes to Since you're new, I'd strictly invest into ETFs for now like the S&P 500 (VOO, SPY, FXAIX), VTI, or VT. You can read a bit more on those but overall they're all diversified, safe, and have had solid returns historically. There's a lot that goes into individual stocks which is why I urge people to stay away from them early on. Spend a while researching and truly understanding what they are, how they move, and all the risks associated with them. A lot of people will strictly tell you to stay away, but I truly believe that with the proper research, risk management, and control you can do well while having lots of fun. If you see your ego or FOMO (getting into things with 0 research and conviction in hopes of making a quick play) getting in the way, you step back and stick to ETFs.
I’m not the richest person in the world and you probably aren’t either. Holding 35% VT and 15% VXUS and 40% in BND and 10% in cash and rebalancing that yearly has been working superbly for me in retirement. Holding 100% S&P until 5 years out worked superbly too. Paying 20k a year for that is stupid imho.
I have heard it from others as well such as Ben Felix: https://www.youtube.com/watch?v=jN8mIHve1Ds. However, I see your point. Closest thing to VT in Canada is VXC. I am just not sure why VEQT / XEQT are so much more popular if home country bias is not ideal.
That article is a Canadian wealth management service making a case for having some home country bias. While they make some points, I do disagree with their one benefit as it relates to actively managed funds. You don't have to invest in actively managed funds. What I would personally suggest is to try to find a version of VT that will be available to you in your home country. Let it take care of abstracting away the home country bias.
Not individual names, but I'm thinking of buying the nifty 200 or something like that. I'm a complete proponent of just sticking with VT or VTI +VXUS, but as an ex Indian, I do see the tremendous growth potential back there and am willing to risk a small portion of my net worth directly in the nifty index
I'd recommend low cost, globally diversified index funds such as VT (65% US, 35% ex-US), or VTI (total US) and VXUS (total international ex-US). You have decades and decades of runway for your portfolio to grow. Dividends don't really matter in this case, total return makes sense in accumulation. [https://www.bogleheads.org/wiki/Lazy\_portfolios](https://www.bogleheads.org/wiki/Lazy_portfolios)
I'm simply stating that not everyone can make 200-300% every few years, as you stated. VT (global market index) is literally the average globally. You're investing in above average risk equities - and getting rewarded for it as they've been performing incredibly well.
Cool list, but let's add some context: Most of these are either: Sector bets (gold, silver, copper miners) -extremely cyclical and volatile. They crushed it in 2025, but check their 3-year or 5-year returns. Many were deep red before this run. - Leveraged/niche plays** (3X miners, thematic ARK funds) high risk, high reward. ARKK was down -67% from peak to 2022. One good year doesn't erase that. International diversification (EZU, VEA, EEM) - these lagged the S&P for a decade. They're finally having their moment, but that's mean reversion, not sustained outperformance. The real takeaway: You can beat SPY/QQQ... if you pick the right sector at the right time. But that requires timing and luck. Most people who chase last year's winners end up buying high. Boring truth:A diversified portfolio (like VT, XEQT, or even just SPY) won't top this list in any single year, but it'll keep you invested through all market cycles without trying to predict which sector pops next.
Deduct 3k for the next 12 years. Invest in a globally diverse fund like VT or 60% us VTI & 40% international. VXUS And keep invested for the long haul. People have lost more just browsing wallstreetbets will help knowing more has been lost. Read some investing books to reassure you you are doing the prudent thing and disable options trading as well. You are young and you still have close to 40k to invest. Most don't.
Just follow the gambler's fallacy and double down on your bets. Since you lost the last one you are now due a win this time, aren't you? Or just get a good job, invest your biweekly paycheck in VT, and don't fool around no more. Your choice.
Vanguard. Funds. VT/BND split like 70/30 or even 80/20 for your age. But this is WSB so really what you should do is just yolo it all on 0dte options for a company you can randomly pick off a dart board
Might just want to invest in good ETF instead of picking individual stocks? VOO / VTI / VXUS / VT / VGT