VT
Vanguard Total World Stock Index Fund ETF Shares
Mentions (24Hr)
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Reddit Posts
Is it ok to never have bonds if you start investing early?
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Low volatility factor investing is criminally underrated
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Is my portfolio made by my wealth manager too complicated?
Are these good lump sum buy and holds? VOO, VTI & VT
Thoughts on transferring “all” of my savings into equities
How should I invest to build wealth long-term in my early 20s?
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Would AVLV theoretically be any more profitable than a passively managed fund like VOO?
How much reasonable risk should I take on to maximize profit?
what's the point of tlt if it's just as volatile as stocks
I have a mental issue when benchmarking my portfolio - looking for advice.
Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Selling equities at a loss to pay for high interest mortgage
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
Have money in both Sofi Auto Invest and VT via Fidelity. Should I consolidate?
28yo, Is selling all my VGT and buying VT timing the market/performance chasing?
Are my portfolios any good? 96% equities / 4% real estate
"No more than 20% of one's stock portfolio should be allocated to foreign stocks? - Jack Bogle - Does this advice still ring true today?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Anything I should be doing to be more aggressive with my VOO/VT portfolio?
Why is the solar industry performing so poorly?
My un-intelligent way to make bets, as of now
What Do I Diversify Into? (small $ monthly investments)
Wanting to invest recent VA backpay - thoughts on how I'm proceeding about doing so
Invest in VTI and other "feel good ETFs" if you want to make less money.
How long do you recommend paper trading before doing actual trades?
Fidelity's Limited Automatic Investing Options vs Having More Accounts
My friend claims my method for investing may not be allowed, can anyone clear this up for me?
How is my Vanguard performance returns negative, when my investments are in the green?
why do people act like if the markets are down over a decade or more the world will turn into the last of us
How safe are ETFs if broad index funds didn't exist?
If safe ETFs broad market were an option - what would you chose?
Selling long dated deep ITM SPY or VT puts instead of holding shares.
90% are in blue chip stocks and VOO/VT (~85%). Also new to investing RIP
Should I keep holding ENVX and buy the dip?
Steak (Live Cattle) hits an all time high.
Please don't crucify me.. What is the actual point of all of this?
My Dividend Portfolio, 60 / 20 / 20 - VT / VIG / SCHD
Mentions
Do I buy Microsoft and become a bagholder? Put my money in SGOV until the war ends? Or VT and chill.
Dude fire the guy get all your money out and just put it in VT. It’s not hard. Just open an account with fidelity, Robinhood, Schwab, or any other online brokerage and invest in a total market fund like VT.
Don't buy individual stocks anymore, or don't consider them part of your retirement bucket. For you, probably just buy VT and bonds for the rest of your life at this point (though split out VT into VTI and International like VXUS if you ever open a brokerage, to take advantage of the foreign tax credit). If you really want stocks, then only spend "fun money" on it. It comes from the concerts/gambling/etc. part of your budget, and it's not part of your US/International/Bonds investment distribution. It's money that is gone when you spend it, like other fun money. If it grows back, that's the fun part. bonus!
VT, Musk needs less of my money, not more. Too many IPO’s about to be dumped on Spy investors heads.
I moved most of my assets from Vanguard to RH for approx. $16k in transfer bonuses. I'm still a VT and chill guy, but I couldn't say "No." to that much free cash. Also, the 3% credit card and 3% IRA match are both quite nice.
Brother, I hold USFR VT and IBIT.
I am a high income earner. I recently contributed to a Robinhood IRA with post-tax dollars and once it was funded, I immediately bought up VT. Since the stock hasn’t had any gains for the last month, can I sell my shares and still do a Roth Conversion, followed by reinvesting in VT?
I said "that was dumb. I'm just going to do the boring boggle head approach." 10 years later, it's great. Turns out the key is not yolo-ing and being boring. If you want to go even simpler, buy VT and don't sell for decade(s).
A smart combination! In retirement I just VOO…in taxable I’ve jumped all over the place but finally settled on VT USFR IBIT, with three rules to follow involving cash flows and rebalancing.
I have some VT VOO VXUS and VYMI as my long holds and that I play with the rest
A fellow VT and chill boi eh?
Which is another reason why I’ve been pivoting towards VT.
70% VT 30% SOXQ would give a nice boost in returns
These are not good investments . There is far too many variables at play that change the value and they do not have liquidity. You’re better off simply buying VT or VOO and calling it a day
Divide it in 12 (or 18 to be more conservative) and put one 1/12th into 75% VT and 25% BNDW. That mix of only two stocks will diversify you in US and international large/mid/small cap stocks and US and international bonds. In addition, those are Vanguard ETF's that will charge you the smallest fees available. Fees are return killers. The 12 (or 18) month period will dollar cost average and protect you from buying right before a crash. With this strategy, you have near zero percent chance of underperforming a savings account or losing money as long as you hold for at least a few years.
A few years ago maybe but VT outperforming VOO right now
In the past year, VT, a total stock market index fund with international exposure is up 16 percent. In the past 5 years it's up 40 percent. The most you probably ever got out of a savings account was 4.5 or 5 percent annually. That's a lot of money left on the table. Is now the right time to invest if you have a ten plus year horizon? Yes. Could this be the start of a decline because of war and high oil? Maybe. How long will it last? Who knows. Could you wait a year and time it better? Who knows. But your continued fear will keep making you miss out. Now if you still have too much fear, you could invest large chunks every month (let's say 40k a month) so that it is still all invested by the end of the year. You could also do a small percentage of bonds depending on your age or even gold to diversify. Keep 6 months of emergency savings. I say keep it simple for someone who was too worried to invest for years and just put it in VT.
Expand your fishing pond and buy something like $VT (world plus US) and $VXUS (world minus US).
That’s the part people are missing. There are sometimes opportunities to derisk your portfolio in the face of huge uncertainty. The trick is to not panic when the drops get big and you sell the bottom. That is completely different in repositioning ahead of those drops. And I say this as a largely buy VT and chill guy. We aren’t in the “big” drop part of this adventure yet.
I'm going to begin by stating I am talking indices & not individual stocks. Why punk on the people buying $SPY, $VT, or $VTUS TODAY over punking on those buying from October - Feb? Prices are lower now. Could they go lower? Yeah. But buy now and then just sit back & shut up when others FOMO in after prices start to rise. This place will be a bulls ranch by May shouting out their YOLO tech stock buys.
Sure, at any point where stuff is being added to a portfolio blindly, chasing hype, or without any good justification: it is over diversified. At the very least a small slow growing satilite asset can be used as an emergency shield or maybe someone wants to invest a little into the stocks of their company because they are working there long term or a little in the country they live in because the dividends cover their utility bill. It just needs a decent reason that aligns with the person's goals. Concentration is risk, volatility, and maximizing growth. Ex. 100% NVDA portfolio (this is dumb, do not do this) or 100% S&P500 or 100% QQQM (typically for very young people where time can even out volatility) Diversification is derisk, slowing growth, captial preservation, maximizing counterbalance. ex. 100% VT (this can be too boring or slow for some people especially when they are not near retirement) Over diversification is collecting several funds that all move in approximately the same direction. Ex. QQQ, QQQM, SPMO, SCHG (pick one for most people). At the end of the day, a portfolio is a tool and it must be a tool that fits your needs and psychological style in a consistent and repeatable pattern. There is no one size fits all.
Dude... do you hear yourself? Why on earth do you need "exposure to all kinds of assets"? Are you prepping for a nuclear war? Holding VT is more than "very diversified". You are literally buying a slice of over 9,000 public companies across the entire globe. For any normal investor, that is peak diversification. You don't need a bunker filled with private equity, corporate bonds, and gold bars just to consider a portfolio balanced.
I've personally lived this. I had a 3 fund portfolio, but then I wanted to add emerging markets, small caps, US real estate, TIPs, international real estate, and it just got a little out of hand. Nevermind adding gold and crypto to the mix like a lot of people are doing now. I would be extreme and say a 3 fund portfolio is all you really need. Two fund if you buy something like VT that includes the entire world and US equities.
I'm curious which single ETF you consider to be "very diversified" because as far as I know, no single ETF has exposure to all kind of assets (equities, real estate, commodities, government and corporate bonds, precious metals etc). Owning 100% VT is not "very diversified".
Meanwhile the VT/FSKAX clan since has netted 70% return the last 3.5 years to be boring.
If you put that all in VT you would have like 50k or something
OP, please just VT and chill from now on. You will be ok.
This is a thoughtfully constructed setup and I can see that complexity actually serves a purpose here. Avantis fees are justified because the funds have consistently delivered on their factor mandates. Since VT is tech heavy your tilt toward financials and industrials via the value funds creates a natural hedge. At a 55% factor tilt you are perfectly positioned to capture premiums. I often use the portfolio cross referencing on trylattice to ensure these tilts stay balanced during annual rebalancing since it pulls real time data from stock filings.
Ehhh with this time horizon, less value, more growth. Trade 20% of VT so Qs or something with a growthier tilt
Passive investing only works in an efficient free market. The US is closer to a centrally planned communist or fascist economy right now. Passive investors are easy targets in this system. Billionaire owners of speculative tech companies with lofty valuations are selling stock to index investors and using the cash to buy less risky assets like land. Trustworthy companies like Vanguard bundle these junk companies together and sell them to index investors the same way Wall Street firms bundled together terrible mortgages and rated them AAA during the Great Recession. Investors that should be 60-40 stocks to bonds are 70-30 or worse. They feel safe because they’re invested in a trust with asset like VTI. But while Vanguard itself is safe, you’re passively invested mostly in a handful of megacap tech stocks. The main source of the capital to drive their valuations came from Gulf oil monarchs whose main assets, oil fields, are literally on fire right now. That means they’re going to crash down quickly. So my advice is to figure out the real asset allocation for your age according to Vanguard’s target date retirement fund, and invest there. That means holding boring bonds. Don’t be one of the risk taking idiots who holds 100% VT or a tilt to speculative tech. There’s a ton of them in /r/Bogleheads these days. https://m.youtube.com/watch?v=Tc120RAcx48 https://www.cnbc.com/2026/03/23/volume-in-stock-and-oil-futures-surged-minutes-before-trumps-market-turning-post.html
Same thing I invest in every paycheck, Pinky. We’re buying VT and chilling.
Consider 70% VT, 30% AVGV for your global and value tilt.
No one knows. We are all gambling right now. I have decided I am BTD but I am not trying to be a hero and think I can pick the correct stocks. I am buying mostly $VT (world stocks plus US) and $ACWX (world stocks ex US). I would BTD on indices here over individual stocks if you are willing to gamble right now. But do not buy on margin or buy with cash you will need in the next 1-2 months. We could go lower.
VT is a good mix imo. It's about 60/40 in VTI (US total market) / VXUS (international).
I will go against the grain and say this isn’t arbitrarily worse than VT, there is an actual logic to your tilts. That said, yes, this is a much larger value tilt than almost any portfolio recommendation I’ve seen. The typical recommendation range is like 10-25%. You have a 55% value “tilt.” I suspect your portfolio ends up with a significantly more “value-y” tilt than Avantis’s own core global equity ETF: https://www.avantisinvestors.com/avantis-investments/avantis-all-equity-markets-etf/
The main issue here is you've got 6 ETFs for a baby's account that you're going to be rebalancing for 20 years :) VT already holds everything the other five are tilting toward, just at market weight. So your 45% VT plus all the Avantis funds means you're paying higher ERs on more than half the portfolio for a factor tilt that may or may not show up over your kid's timeline. Here's a breakdown: [https://www.insightfol.io/en/portfolios/report/f66447a7cf/](https://www.insightfol.io/en/portfolios/report/f66447a7cf/)
It’s fine but I’d do 100% VT over this
Should have invested in VT, should have chilled.
I dumped a bunch of stock and VT at the highs of today. There is talk that Iran is not talking to the US, and all it takes is a small group of insurgence to lay mines in the strait. For all we know their mosaic style of fighting could be dozens of groups that splintered off and are doing their own thing. I have a feeling this is not over by a long shot.
$VT (world plus US), $ACWX (world ex US), $EWY (South Korea), $EWJ (Japan). I also bought $GLD but I'm less optimistic about Gold. I do believe Trump has done damage to the American brand despite my posts that many here are overreacting to DJT. So I am investing more money outside the US than w/i US.
At least it wasn't much to begin with relatively speaking. Stop being retarded, get off this sub, start grinding out some real cash and put it somewhere boring like VOO or VT till you get your shit together. Don't try to gamble your way back.
I think you need to blame the guy in the mirror. You'd have done great had you put that money into VT when you started trading. Just ignored it and done nothing and you'd be up by a lot.
Don’t people read https://www.bogleheads.org/wiki/Main_Page it would have been better to buy VT ETF and keep investing more every month no shorts or gambling bs
What about switching from VT to NTSD..
So use something like VT which will keep balance on market weighting. That said, despite the “Sell America” trade and the recent outperformance of the global market, as soon as it hit the fan with Iran, the winner was…. the U.S. dollar.
The biggest problem with your post is that you tried to use logic. The guy running the show doesn't understand any of it and can end it tomorrow with a tweet. Even if your risk appetite is low, DCA into VT is the obvious answer here.
You say as if you know that MSFT will keep being a top contender forever. It’s a much better play to buy VT or VOO and hold
This except a couple things Open your HSA if eligible at Fidelity or equivalent at you're not paying fees and can invest in anything VT and forget it
Well, for starters, the old "past performance does not predict future returns" adage applies. VOO is just the SP500, which has been a strong performer, but it's completely concentrated in large cap US companies. VT includes international and smaller cap companies. VT has underperformed relative to VOO largely because international stock gains have been modest for over a decade. Maybe the SP500 continues to out perform, maybe it doesn't. People are betting that given the political instability currently existing in the US, international stocks may have a run, and VT gets you much broader exposure. It's a very simple way to sort of get exposure across the board. Reward has been higher in VOO, but risk is also higher, given the relative lack of diversification.
I read the loss posts here to stay on my strategy. Also got my bonus on 12 March when Iran said they were gonna close Hormuz. Going to put it in VT but waiting for a little more drop first.
Stfu with your VT and chill. This shit is infesting all the stock subreddits. What are you even doing here. Why aren't you VTing and chilling
VT and chill, save a lot every paycheck, and don't look at it until he's out of office.
VT, you don't want the lost 30 years.
I’m curious on this. VOO has a better Sharpe, alpha, max drawdown, and upside return in relation to the index. So why VT over voo?
I’m curious on this. VOO has a better Sharpe, alpha, max drawdown, and upside return in relation to the index. So why VT over voo?
Last time VT crashed in 2022 I bought all I could afford. I’m way up from that. BUY THE DIP
VT has a broader selection including international with VOO being a narrow US only. Risk/Reward is different so depends on your own preference.
AOA management fees is 3x over VT. And VT outperforms consistently by 10% over 5 years. Not sure why AOA is recommended here.
VT ETF. It covers the world. That’s all you need
Decide how long your time line is with-a percentage of your cash. If you are comfortable with 10 plus years with a percentage of it ,buy in over time in tranches.For relative safety invest in vanguard index funds as their rates are some of the lowest in-the industry. I would agree VOO is very heavily weighted with AI stocks ,therefore would buy only some and only on a dip(15% or more off from the high ) ,diversify with VT,VTI and a vanguard value stock index . Also buy in on dips of 15% or more , off the high . It’s not guaranteed it will drop this much , but all the indexes are overbought and correction time is due and with geopolitical factors being what they are , likely to drive indexes down further . Diversify. Synchrony Bank has a 4.1% cd for 14 mos . Just tied up a significant chunk that I will not worry about and can sleep at night . Will buy into the market on broader dips, 15% down from highs, and more if 20%. Buying certain stocks that are value and have fallen in the broader drop but still have good value. Looking at Canadian stocks in us index. Recently have bought BN,MAIN,NNN,VICI ,ARCC ,VZ (at 39) ,BEP (at 19). With the exception of BN have bought in retirement accounts. Others, let me know your thoughts on these. Open to discussions . I have a long watch list and waiting for fundamentals to line up to buy.
VT is much more diversified. VOO is 500 companies.
XEQT is new to me. Expense ratio seems a bit high. Struggled to get good data on it. What’s the pitch? Regional diversity? More so than you’ll get with VT?
I have been DCAing $10k a week since December 2025 on a mixed portfolio with total world ETF, momentum ETF, and a bunch of stock picking. If it wasn't for the single stocks (PL, NBIS, SLS, KRKNF) it would be a total shit show. I will be ending my DCA in april, and expect the real correction/crash to happen right after. My wife's portfolio, lump sum VT (70%) and IDMO (30%) in november 2025, currently -10%. Real shit show. We keep investing on weekly basis sence I couldn't find any reliable/convincing argument suggesting a different strategy. Nobody seems to have a real clue/understanding of wtf is going on.
So many words in this thread. All you need for the next 80 years is..... VT.
This. VTI and VXUS are the way to go. Otherwise VT and chill.
After all Why not? What’s wrong with timing the market during events like COVID, Liberation Day, the Start of this war? Toss your existing investments into a money market for a bit, continue to dollar cost average new investment $$ in VT or whatever you use. Come back when you are ready (say, when they stop threatening oil infrastructure). Even being out a month or so may do good. At this point I’m down 6.5% from the peak
Depends on your risk tolerance and conviction. If you want a stable counterweight to those picks, I'd go with VT instead since it's a broader basket of stocks. The main issue right now is that the energy market disruption will likely hurt international markets more than the US since the US is a net energy exporter. VT has more international exposure. So waiting for the Iran situation to truly settle and for oil prices to come back down is even more important if you go that route.
U would be WAY more diversified and have considerably less risk if u put the money in VT. If u wanted to get a little more exposure to small cap and value, you could put 80-85% in VT and then 15-20% in a small/value etf. I like avuv While its very popular on reddit, Putting all ur eggs in an S&P500 etf like VOO is not the smartest things to do
Divide the money by 12 and invest a chunk every month into VT. DCA over the course of a year. The best time to buy is when there’s fear in the market. Follow the VIX (spikes to 30-40 are usually when it’s optimal to buy stocks and hold) and the fear and greed gauge.
I am Taiwanese and I invest in US market so I missed out that epic run. If you are worried just buy VT. I am not worried too much I just thought US is a better market. Taiwan stock market don’t have capital gain tax so it’s a very attractive option imo.
VT or VOO at least $200/month and then just wait for the millions to roll in
Cutting the cutter. I'm in my accumulation phase (mid 30s)... can do 100/0 un-lev until 50. But I wanna lev so 80/20... here is my question.. a lot of books speak about TA but rules based info is limited. And we know why.. but that shouldn't stop an investor from asking right? Imagine shitting on an investor cause he asked if we should leverage below 200d SMA. There is nothing magical about that number but consensus have agreed that volatility is double said SMA while 12M forward looking return is roughly the same.....make what you want out of this info but it's sure as hell useful to someone like me who's interested in leveraging my folio. Had I had not interest in leverage 100% VT is such a lovely position .and for those with the itch ....applying dual momentum would either put you in 100% VTI or VXUS (vxus has been the default position for a while now....it's just the market signaling what it what's to signal)
Ops, can’t mess up in the very start. It’s VT with T 😀
VT bro dont buy some rando ticker symbol lol
Uh huh. And where would they be if the DCA'd into VT, or even gold, over the same period?
Bought some VT at a +7% discount this week
Ok, VT is the ticker symbol for the Vanguard world stock index you can look it up using that symbol and stock or ETF after it for more information. An ETF is an exchange traded fund it follows the strategy detailed by the fund manager. In the case of VT it follows the FTSE world all cap stock index. ETFs are good for beginners because they reduce risk and open you up to companies you wouldn't otherwise know about.
The last 3 months have been really bad, worst I have seen since 2020 at least. This is a tough market to make money in right now. Ir your worried pull it all and buy VOO or VT, then stop looking at your accounts.
Yea, it’s a little over 8% on VT. I added a few shares today, but I don’t see any positive market catalyst to make me jump in too much. AXP, Microsoft, and Google all look appealing at these prices, but I don’t see a reason why the stocks go up short term.
The U.S. has the popular best performing iShares ACWI which traders love as it tracks well at a 0.32% er. There’s also the Vanguard VT which has many more global small cap at 0.06% er. In between there’s SPDR’s SPGM at a 0.10% er.
Hoping to get some input here. I'm sitting all in cash right now. I sold my crypto holdings last year then start buying indexes and individual stocks, got caught up in the Silver/Gold mania, lost $60k (woops) and now 100% cash. Looking to get back into the market on this downswing. Any recommendations on whether I should go VT or VOO, or does it not matter all that much? Goal is to have a downpayment for a house in the next few years. Thanks for the help!
Still just buying and holding VT until I’m in the grave, but still fuck this stupid asshole.
hey vm I'm holding VT 100% should I panic sell like Warrent all-you-can-eat Buffett said?
Buy the VT ETF and your set. Assuming you're American. If not find a local equivalent.
The long term most safe argument I have for myself is: are you bullish long term on humanity? I say yes, and invest everything in VT - the world stock market index. The only thing I wish I could do is reliably invest in the Chinese stock market, but that's not possible, and I think another argument in the US/Western Europe being the only place for money to flow into reliably.
i did a lil bit of VT in the never sell account
fuck this. i'm switching to VT and chill till I retire in 45 years
US is on track to surpass WW2 debt to GDP ratio in next few years easily All US fund managers are balls deep invested at ATH lol with little money to buy dips: https://www.reddit.com/r/wallstreetbets/s/VT68UeYQXR Stagflation is on the horizon (inflation is sticky and looks like it will continue like even disregarding the Iran war which is gonna accelerate it + we have job losses now in the official numbers, though anyone trying to get a new job in 2025 knew the economy was cooked already)... This means Fed cannot do QE very easily and even if they do you cannot really print your way out of Stagflation very easily, plus I doubt QE will be a magic bullet that stops mass layoffs and white collar offshoring in America and this whole K shaped economy that is teetering despite consumer spending being 70% of GDP BTW!!! Private credit and venture capital is in the shit hole being over leveraged to the balls on GPT wrapper dogshit startups OR on SaaS that is being rerated lower from 48493944x PE ratio (see like Atlassian stock, Figma stock, Asana stock, basically any fucking SaaS stock even MSFT or NOW which are blue chip SaaS lol)... (look at $KKR or $APO stock and all of YC's and 16z's and etc.'s investments) Circular financing deals and debt that must see a return eventually for AI bubble spending, I'm talking both the AI labs and all the infrastructure providers (if this debt has to be paid back, stocks that were at ATH will be sold to do so btw)... You can't use ChatGPT or Claude forever while burning tens of billions of $$$ annually... Uber and Spotify and all these unicorns did it for years, but the magnitude of their capex burn into an oven to do so was nothing compared to OpenAI and Anthropic.... Mango is in office, non zero chance bro gets a stroke randomly in next 4y or like does other regarded shit to fk the economy over more and accelerate all of above said reasons Tell me what is bullish? Like genuinely idk The only thing i can think of is stocks are not as overpriced as in 1928 or 1999... Otherwise I don't know legit
I'd go inflation indexed bonds if I wanted to be safe. But if saving for retirement, running out of money is a bigger risk than short-term volatility, so stocks it is. VT and chill.