VT

GeneRider

First, kudos to you for recovering from addiction. For investments, don’t chase stuff because it’s talked up online. Almost all crypto is going to zero. Many stocks are going to zero. If I had your current holdings I would sell, except potentially one or two for which you can make a solid business case. The safe, effective thing to do is dollar cost average into cheap index funds like VOO and VT. Consider tech funds like VGT and QQQM, which have higher returns but also more volatility. If you want to bet a small fraction of your portfolio on individual investments, pick them because you can see they are excelling (eg because you are a customer of the underlying business). If you want to lose money faster, trade options.

Illustrious_Tax_5719

Lol it your only bet. Sell all and transition to VT. Why not sell if you saw them fall?

HoneyBadger552

Good lord thats a chunk. Go SPHQ or VT. gently gain back some losses

One_Talk_3410

Sell everything and buy VT and just keep buying VT on dips and never sell until you need to live off the money. 

AcanthisittaEasy5878

I won't buy VT now after seeing this

TreGet234

Looking at the numbers he probably started investing mere months ago so VT would be up less than 5%.

TreGet234

I can imagine him panicking yet wanting to buy the dip with his last few 100 bucks he still had in cash, but being too scared of the ai bubble he just panic bought VT instead. A true moment of enlightenment.

SameTrain8827

Stop putting any more money in these. Moving forward, pick a broad index fund/ETF (VT, VTI, VOO or XEQT) and stick with it. If you must buy these speculative stocks, stick to less than 5% of your portfolio.

ZnJjX2N1Y2s

VT, there is hope for you yet. Imagine if it was all in VT and you had done nothing. :galaxy-brain:

cbusoh66

Just move everything to VT before the other 3 drop another 50%

Chief-Keefs-Parakeet

VT is only if you want to get rich at 93

pants_full_of_pants

Coulda just bought VT and gone AFK and have 220k

Past-Option2702

VT has all 3 of those stocks in the exact proper amount (market cap weighted). You played a stupid game and you won a stupid prize.

National_Double6261

4 shares of VT? What are you Jack Bogle

TheRealArmament

Sell VT and DCA in the other tickers

FunPoet7977

Hold DRAM. And never pick stocks again. Stick to VT/VTI/VOO. If you find yourself itching for a cheap thrill, put 5-10% in SPMO.

Glum-Cash3869

never thought holding VT would feel like a wild roller coaster ride but i mental illness finds a way

PenImpossible483

VT

kat_cc

Just buy VT, set it up on auto investment, and never look at it.

zendaddy76

I usually look at forward pe and 250 day moving average. If macro environment looks ok, I add to my positions where I have conviction. But this is in my Roth and I’m holding for at least 10 years. I started doing this in 2016 and have outperformed VT by 82% in my “play money account” (which I limit to about 100k). You can’t win them all, but the pullbacks in 2018, 2020, 2024 (tariff tantrum) and 2025 (Iraq war) did wonders for my individual positions. That said, 90% of my investments are in VT or TDFs. This year I’ve added to MRVL, AMD and TSM in April, CRWD in July, MSFT in August, and Google and AMZN on Friday (first time buying AMZN). I still hold AAPL (my first stock pick in 2016, followed Buffet) and NVDA from 2020. Play the long game and be patient. I’ll be retiring 3 years early bc of my winners. 👍🏽

HoneyInteresting220

I’m 50% VT 50% Goog

SellingTheta

It’s not just money lol. This affects a lot more than that and I’ve seen the mental damage this can cause. If you have kids and a wife as a man you should really really cash out everything and start DCA into VT or some other brain dead etf

dissentmemo

I said stick to VT, aktchually

dissentmemo

And VT would have covered that.

dissentmemo

This. At 33 VT will make you rich long term. No need to speculate.

Status-Effect-2387

Disruptor disrupting for 25 years? Then its no longer distrupting. Stick with VT, Voo bro

alive_well007

bought about 15K worth stocks today. AMD/OCRL/VT/QQQM

autumnbreeznleaves

I lied. I just bought more $VT instead of waiting. We are gonna get a Trump TACO before the elections. I wouldn't want to hold crude oil or shorts over the weekend.

OverloadedTech

Anyone in VWCE or VT here? I know ETFs are too calm

autumnbreeznleaves

$VT helps and cuts the market cap of $VOO stocks nearly in half by adding roughly 38% international stocks and also the entire US stock market including stocks outside S&P. $VTI is the entire US stock market adding in small caps to $VOO. $VXUS is all international stocks ex US. I would start there instead of buying more $VUG, $SOXX, $QQQ, $SPY or $VOO positions.

autumnbreeznleaves

I have an open limit order to buy more $VT at $152. I still think $VT and chill > $SGOV and chill. But, we shall see if you are finally right this time.

HoneyBadger552

Adding to VT. All along the way. 

autumnbreeznleaves

Does $INTC crash remind you of 2001??? These last 2 weeks remind me exactly why I moved to 90% ETF's. -3% down days hurt, but you don't have large positions w/ -28% days like Intel is having wreck your entire port. Fortunately I sold my $SOXL position yesterday. I'm taking swings on opening positions in $CAT, $SKHY, and $NFLX this morning. I will likely buy $DE as well. No more than 10% in individual stocks. My port is 90 % $VT, $VXUS, $EWJ, with some shinny Gold paperweights holding the whole damn thing down. This might not work but $VT is my port's foundation and $VXUS is its support. $EWJ is that fancy garage where I listen to Rock music and work on my other hobbies. If you are right and AI data centers cap ex is over $VXUS will absolutely under perform $VTI short term. I don't believe that is the case. Now I'm gonna listen to that new NEK! MV for the 10th time. Rock music is so back. Cheers.

SellingTheta

VT and chill boyos

Hihaho80

Right there with you lmao. Started in June so I just conversed to the VT and chill world

Hihaho80

Yeah Im out. 80% VT 20% cash

dogs_gt_cats

Personally I have been eating the expense ratio and adding RSP to my portfolio, and dialing back the target allocation for VTI. For my kiddo's VT position I am just letting it ride. Her timeline is far longer than mine.

MomentPrestigious180

I have the same idea, but change SPY to VT, and change QQQ to IGM+SPMO.

Stanbarrwood

I full sent VT

EtherCJ

What do you have for stock funds? And check the expense ratio. You want to find a broad stock fund with a low expense ratio. 0.03% for VOO or 0.06% for VT are some exaples. You want under 0.1% imho for US stock fund.

SellingTheta

VT bruh VOO is too risky now

NorthvilleGolf

Why aren’t yall investing in VOO or VT?!

NorthvilleGolf

Not funny. But real talk family savings in VOO or VT or VIG is chillin. No tension

SellingTheta

Can’t wait to DCA into VT now

EtherCJ

Are you asking for advice on investment selection? Or account types for investment? In a 401k there is no tax drag for trading if you don’t have fees to trade (which is typical) so you can experiment without long term structural issues like in a brokerage account. My personal feeling is eventually simplicity wins so I would basically go nearly 100% stocks in your retirement account at 19. An old fashioned advice would be a Sp500 fund like VOO. More modern might be a total market fund (Russel 5000) like VT. You could diversify more by adding al international with something like VXUS or increase exposure to NASDAQ. Any of this could be reasonable at your age and investment level.

Godkun007

For reference, VEQT is the Canadian equivalent of VT. With the weightings changed due to a variety of reasons that Vanguard published papers about.

bluethereal98

TIL frankfurt stock exchange was founded in 1585 and NYSE 2 centuries later, only international exposure i have considered is DAX and VT

HoneyBadger552

Dont fuck this up. VT is gaining ground

brewhead55

Sold at 357 and transitioned all my positions to VT. AMA.

GaylrdFocker

>grows above inflation but has close-to-zero chances to ***EVER*** be in the red No such thing. If your timeline is more than 5 years then Index funds. VT or VTI and chill. You gambled with individual stocks. If less than 5 years a HYSA or CD. They will be pretty even to inflation, but will lose no money.

GreyGhost3-7-77

What is VT.

SellingTheta

Put it in VT you idiot

SellingTheta

VT and fuck off

TightPosition

[https://www.youtube.com/watch?v=VT2XqWxapbM](https://www.youtube.com/watch?v=VT2XqWxapbM)

ClockWork1236

r/bogleheads VT and chill

TreGet234

Ask your bank to put you in VOO or VT. Don't let them put you in bonds. Can buy TLT and GLD in small amounts (maybe 10% each) since they are cheap enough right now to actually hedge a crash efficiently. But do sell all bonds in the next market crash if yields do in fact collapse.

SellingTheta

Just VT and chill now guys

deeptones

My advice to you would be keep 3-6 months of expenses in vbil (i prefer to sgov slightly) and put the rest of your money in VT or VTI/VOO if you dont want international (I would go VT). Is your advisor beating the market? How much do they charge? Plug those numbers in and see if its worth it. Most advisors will charge you a fee and still not beat the market, much less if you include the fee drag.

SenpaiMars-Barz

Adapted by switching to all in on VT strat. I'm a pussy and I miss the excitement 😔

Greaterthancotton

Buy VT instead of options lol

autumnbreeznleaves

I think if you drove by a 612 acre data center construction site on your way to work everyday you might have a different opinion of just how much money is being spent. Then you see all that money flowing into housing (rents), equipment ($CAT, $URI), utilities, local taxes, and the local economy from these data center workers with your own eyes. Now this all has an expiration date. Once the data center construction sites are completed those jobs move to a different community where we rinse & repeat. You also see & hear how unpopular these data centers actually are b/c rents are exploding. I've had more luck buying indices here b/c while the AI cap ex spend will eventually slow, the hope is all this cash that has been pumped into theses economies in reinvested into new housing, utilities, businesses instead of Google and Amazon simply announcing more buybacks and repurchasing their own shares with that same cash. $VTI, $VXUS, $VT, $EWJ and $EWY is where I have been putting my cash vs waiting for these AI companies to go public like Anthropic or Open AI. I want to buy the AI cap ex picks & shovel companies over the OpenAI or Anthropic IPO's. Because I do agree that AI may have serious problems with these companies being capable of becoming profitable. But you can also buy the whole damn world or just the US stock index if you prefer before those inside trader politicians and corrupt central bankers simply turn on their money printers to go Brrrrrrrrr to cover up all their mistakes just like they did during COVID.

ktempo

Why not just buy VTI or VT and not have to worry about churning or rebalancing? Lol can’t have taxes if you don’t sell

bluethereal98

Why not options? or do SCHD/SCHG/VT/VGT etc first then use the proceeds for options and LETF swing trade. There's a lot of crappy l-etfs, only ones I seen interesting are tqqq, soxl, upro, svix (as an indicator too) but I haven't tried them

Far-Reference-3048

VT and chill.

Packolypse

Take your money and open two accounts somewhere and put $30k into each and either VT or SCHD and chill and forget you have it. Take the rest of the money and fly to the Philippines or Thailand and drink and fuck till your liver or cock gives outs

SellingTheta

Fuck options lol. Lost 20K. Going to VT and chill now fuck yall

ScallionAromatic1310

Geez that is brutal. I felt horrible losing 40k once. Got it back though. I switched to simple and easy S&P 500 ETF and others like it. VOO, VTI, VT, VXUS etc. Go long ride the market lowest costs possible avoid dividends because tax treatment etc. 401k similar but but throw in some income ETFs because of tax treatment QQQI, SPYI, etc in case of a sideways long market. Always making money eventually. I've never been lucky or good enough timing the markets.

TreGet234

The top stocks change every few years. Just look at FAANG, netflix is already dead. Nvidia could be next. So yeah get a broad market etf. VOO is probably better because who knows if tech keeps outperforming (it likely will though). Or something like VT but VOO will likely outperform. Can top up with some TLT and gold since both are rather cheap right now.

NorthvilleGolf

You could have just bought VOO, VIG, SCHD, VT, NOBL, QQQM, or SCHG and been doing fantastic.

dasunt

Insurance. Although if they are young, another factor would be to live off the part time job for a decade, keep the $1.5m in something like VT, and let it double. Then retire. But that assumes one isn't a gambling addict. Which isn't a safe bet here.

SubstantialBass9524

Ironically I’m all for lotto tickets. Maxing out 401k and IRA with VT covers the safe bet, a few dollars on lotto tickets every once in a while won’t make a difference when I don’t win, but if I do..

poopy_wizard132

Holding 100% VT? No change.

The_DoubleHelix

In general your best bet is to simply adjust your risk in terms of a percentage of stocks and bonds. You can keep this simple: “Growth” or “risk” assets place in VT which tracks the all country world index and itself has “built in” diversification away from the AI trade since it invests in the global equity market, not just the S&P 500 or NASDAQ. The “safety” bucket you can invest in BND/AGG which tracks the US bond market. I have no idea what your situation is or time horizon but in general here are some benchmarks to consider. 35% VT/65% BND. Moderate conservative. This is classic “I want to turtle up but still don’t want to lose to inflation over time”. 60% VT/40% BND - Moderate. This is “I want growth, but I’m nervous I’ll panic in a crash”. If the S&P gets cut in half, maybe you’re only down 20-25% in this scenario. Obviously every crash is different but you get the idea. 85-100% VT/0-15% BND. This is aggressive. Long time horizon (10+ years) only for this allocation. You know you need to earn 7-8%+ over time to achieve your investing goals and you have to be willing to trade “safety” for growth in this scenario. Impossible to have both. The good news is with current starting yields for investment grade bonds, more moderate investors don’t need their stocks to rip like they have for the past 10 years to achieve a decent return. Getting 5% nominally from the “safe stuff” leaves a lower bar to clear from the “growth” side of the portfolio. Let me know if you have questions.

MiamisVeryOwn2

JL Collins even recognizes the U.S. hegemonic decline and has personally increased his VT allocation. History feels different every decade and markets are impossible to predict because they’re influenced by what should happen logically given circumstances economically and geopolitically, but often times are influenced by psychology too. Contrary even to my posts here I think second level thinking is key this time around.

SubZeroSunExodus

Liquidity and long term investments. Quick two step keep it simple? SGOV (or equivalent short term bond) and VT. Yes you can adjust and tweak with a hundred strategies as everyone is different (18 year old vs 65 yr old retiree, etc.). Adjust accordingly so you have your 3+ years covered in bonds. Or keep 1-3 months cashf or immediate spending, 3+ years in bonds (adjust till your comfortable) and rest in chill growth stocks (if taxable, VT and saves you the rebalance tax impact). If the big crash happens and you go bear for years? thats why you have the sgov/bonds parked for it so you dont hit sequence of returns. and DO NOT PANIC and sell your growth when market drops 50%. You can do better. And you can do so much worse.

AntiquePhotograph433

What I say is VT and chill

WingAffectionate3894

2.3M against 70k of spending is a 3% withdrawal rate, there's no strategy problem left to solve here. The one thing I'd actually change is the 6-8 months of cash parked waiting for a dip while everything else sits in VT, that's a permanent drag for something you can't time anyway.

enigman83

Yes, you are overthinking, which is not strange. Current portfolio fits or not, is depending on your comfort. Point of portfolio is you factored in all of the factors and stick to it, at least for few years, before tinkering. I cannot say if crypto is suitable or not. It's up to your convictions on it. So what i can say is balance growth and defensive and any bets you want, and stay the course. Or VT and chill (with any tilt you want) is also fine.

PhoenixProtocol

Yes. Not sure where in the PIGS you’re from but I assume in most of the PIGS you could FIRE. Considering you have VT, I assume you must be living in Switzerland? Not sure how that’ll work moving but can just move it into a ucits etf and call it a day/life. Well done. 

Sensitive-Exam649

dividned investing doesn't require a lot of captial to get started. Everyone just makes regular monthly deposits into the funds they want to invest in. For growth investing 401K or Roth accounts are great for grwoth. with VOO and VXUS or you could gowth with just VT. You don't what to invest in growth and then sell the growth toff in a taxable account and then reinvest inn dividneds. Because you will pay a lot in taxes when you'll the growth that is why many use 401K or Roth because the is no tax from selling in these account. Butyou cannot withdrawal money until age 60. In addition to starting the above you Need to exablish 6 most emergency cash reserve HYSA will work fine. But a money market fund in a taxable brokerage account will also work. If you cash reserve exceeds 6 months you should invest excess money Anything more the 6 month will do better if it is invested. You can deposit that money in a Roth to avoid taxes or you could invest it in the taxable brokerage Now many use gowth index funds in the taxable as simply an asset you can sell if you need more than 6 moths of cash. I howeverI prefer investing the excess in dividned funds. The cas emergency fund is great but it is limited to 6 months. If you are unemployed for more than 6 months that is a problem. SPIQ or QQQI are good sdidivndd funds o add. invest the dividned and add more money whenever you can Both have a high yield and are tax efficient. Oryou can turn off dividned reinvestment so that the money goes into your money market cash emergency fund. So the dividends help maintain your cash emergency fund and you can reinvest excess cash into the dividned fund. One time you will gradually build up emergency dividend fund that can replace or supplement your cash emergency fund. Ther is no limit as to how much cash you can get from the cash emergency fund.

Ok_Foot547

No bullying. Just a question, at any point, did you think “hmm maybe I should take a day off” I would highly recommend the following. A trading swear jar. Every time I end a day red from bad trades, I buy a share of VT. If I run out of buying power because it’s all in VT, I give options and day trading, and just keep buying VT. Up 150% in 3 months. Also bought 3 shares this week.

neutro_b

I don't think VTI/VOO are wide-range indices anymore. They are totally dominated by the Mag 7 and therefore by AI plays. VT is worldwide so much wider-range, yes, but \*still\* dominated by the big American corps.

New-Combination-1583

This. I replied imploring him to stop playing the game and just put it in VT. He's won already - it only goes downhill from here.

New-Combination-1583

Please, stop. Put the rest in VT. Rule of 72 - it'll double in about 8 years, and every 8 thereafter. (based on historical averages) You won the game - stop playing.

ov3rw4tch_

Perfect candidate for set and forget ETFs. OP can’t be trusted with money. Please just VT and chill.

Divinemango7

Gotcha, I mean I do have regular stuff folks tell me to get like VT. But this seemed like a good buy and then sell for one singular day. 

Chompchompmunchchew

Lmao I put in 200K when I sold my house in June. I’m down 3k ish on VT today.

No_Reach_1259

>Okay so something similar to VT right? Yes. >Would you invest in the things I described above if I told you that they had higher historical past returns? Yes, if the returns had been consistent over 100+ years with hundreds of thousands of data points.

thewarrior71

Okay so something similar to VT right? Would you invest in the things I described above if I told you that they had higher historical past returns?

stunvn

Past performance is an indicator of future returns. Telling someone to "VT/VTI and chill" is like telling them: "look at this past performance, see? Just keep buying and everything will be fine. It will go up in the long term"

Helpful-Staff9562

If youre in the US VT, if elsewhere check your local country tax rules but porobably a ucits compliance like Vwce/vall

quickspin_go

“financial weapons of mass destruction” Warren Buffet. Stick with VT.

Sufficient-Flan1565

I feel like I should move some of my VT into TQQQ at this point. Whatcha say

Hihaho80

I mean, what do you even buy, VT, VOO is not nasdaq, but its full of AI stuff as well?

Next-Paper-2068

VT

Jrezky

most bogleheads don't give much attention to international in the first place possible since John Bogle didn't really consider them worth having, and also because US has outpaced so much in the last few years people seem to think any international is a drag overall. I absolutely love Vanguard, and always recommend VT as opposed to taking a blend of VTI+VXUS. Still, I also believe in the Dimensional fund and by extention Avantis, guys, and I'm experimenting with an international portion made up of AVDV and DEHP.

LightForceUnlimited

VT and Chill!

CursedClownz

Get some managed futures Get some gold Get some dividend payers and VT And chill

a-k_68532261

The main difference is the tilts: VT covers global stocks, VOO adds extra weight to large US companies, and SCHD adds a dividend focus. VTI+VXUS gives you a simpler way to set the US/international split.

autumnbreeznleaves

Downvotes are the only currency here worth paying attention to, hahaha. We might have one more violent move to the downside but this is close to the market sentiment in March when I bought heavily and moved my port from stocks to $VT, $VXUS, $GLD, and EWJ My stress level went from peak to zero and I started to enjoy listening to Rock music again.