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
What do you think about just VT vs VOO and some large cap exposure like you mentioned?
One thing to note is that if your income is higher than the Roth IRA limits, then having your money in an IRA vs a 401k makes you subject to the pro rata rule and makes it so that you can't do a backdoor Roth without paying taxes. An IRA has other advantages and legal protections however. But don't pay anyone a fee, you can easily create a self directed IRA and just dump it all into VT and forget about it
VT for exposure to the entire world. VTI for all US stocks VOO for all large US companies. Majority of people in This investing sub or Boglehead sub would pick either VT or VTI to chill. Any of the 3 would be good/great choice.
VT, VTI, VOO ?????? Which one is the chillest though?
Or look up the concept behind “VT and Chill”. “VTI and Chill” is good as well
Well I am invested in U.S. as well, my 403B did not offer VT, I ended up settling in FXAIX.
Maybe some sort of barbell approach would mitigate risk (assuming you're timeline long enough to be solely in equities). Something like 80% in VT and 20% on your horses that go you to the 45% annual return (MU, data centers & defense). I don't recall the term but it's something like gambler's fallacy where human nature is to sell winners and pump more capital into losers. From my experience, doing the opposite leads to better returns.
The mag 7 make up a significant portion of voo. Much less in VT
If permanent life insurance is that thing where you put money into it, *more* as you get older, and then you can pull it out as a cash benefit, I'd say run to the hills. These grow more slowly than the market average and get progressively more expensive as you age. The main selling point is that it's cheap now when you're young and healthy (and naive). If the best selling point is a sense of urgency, is it a great idea? If they're selling you relief from potential FOMO, is that the same as relief because you made good choices managing your money? Guess what is equally cheap, doesn't get more expensive to contribute to as you age, and historically yields higher returns? Furthermore, you can manage it yourself and avoid fees for managed or guided investing. SCHB, VTI, ITOT, or VOO, SCHX, IVV, SPYM, etc. aka. the total U.S. market or the S&P 500. And you don't need all of those, you can just pick one. Or pick VT for the whole world market and chill.
The S&P is up 15% over the past 12 months. But I’ve always done VT anyway.
VT and chill, like clockwork. No change.
Target date funds in retirement accounts, VT in taxable accounts, and then go enjoy your garden. Less stress at least.
In 2007, the S&P 500 peaked at about 1,600. In 2008, in dropped to $800. People pulled out all their money or stopped investing at 1,200 or something in that range. They thought that was smart as it kept going down. Now the S&P 500 is over 6,500. If you could go back, it would have been a wise decision to push in all the money you could find at about 1,600 or 1,200 or 800. Probably would be a good idea to diversify beyond the S&P 500 into something like VT or VT plus some small cap value, but whatever you do it makes sense to keep investing unless you need the money near term.
The other investing subs argued with me about the dollar's strength sharply rising. Lots of "dollar is week gold is up good hedge" stuff. Yeah that happens when you VT and chill and don't pay attention to the news
Apologies, didn't know, I'm in Switzerland and using VT (which does have options available in IBKR) and assumed it would be the same, but probably not due to domicile or UCITS or something. 😕
Don’t chase mag7. The winner of one series of years is rarely the winner of the next series of years. Every decade or so investors fall for this. Instead, look into passive indexing, where the fund internally rotates out the stale losers by increasing weight of winners. And it does this automatically with no management fee, and without triggering taxable events like would occur if you rotated them yourself. You’re looking for something broad-market and non-thematic with a low expense ratio. VT, VTI, VOO, SPMO, QQQM, VUG, SPHQ, something like that. If you still like the Mag7 after reading my first paragraph, they’re very well represented in most of those currently.
VT and chill is more my style.
I used to be primarily in VOO. Now I started buying VT. VOO has outperformed historically, but VT has beaten VOO the past year.
Try all world ETF stocks like VT or it's ucits equivalent if youre in Europe. If you want to get cute you can add region/sector specific ETFs to specifically over or underweight certain regions/sectors. For example I am invested in 60% VT, 10% vwo, 10% vpl and a 20% home bias ETF of chspi. If you want to overweigh Europe more you could also add vgk instead of chspi. Alternatively if you think straight up market tracking is too volatile you could do some factor based ETFs such as SCHD/SCHY or DNL/DGRW. However it's always a toss up if factors can really beat the market, especially as the diversification is a lot lower on those. At the end of the day as long as you are invested in a diversified portfolio instead of single stocks and keep the money there for at least 10-15 years you'll do good enough.
I buy, basically VT, every time I get paid.
Yes, but I'm canadian so I buy through XEQT, which is about 45% S&P. I like the all-in-ones (also hold some VT) because it just takes that guesswork out. Should I hold more of this country, etc. I just usually buy every two weeks as I get paid. Have done so for about 15 years.
I started investing last year. It was a tough call but after lots of research I decided to go all in on VT for my Roth IRA and brokerage account. I was tempted to do performance chasing and go S&P 500 with something like VOO but ultimately decided on VT being unsure what the world will look like in 20 years.
I hate that you degenerates have overinflated the stock market by literally historic amounts. I just wanted to VT and chill, but now that is not a possibility and I have to try and time the market... ugh wtf
Might become VTI or VT and chill - I know VTI uses CRSP not S&P or Nasdaq and VT uses FTSE Global All Cap Index. There's also VXUS if you want a dash of International exposure.
Then the ~~world~~market is your oyster. Prefer VT because no one knows anything
If you want broad market index funds, either VTI+VXUS or VT. Even without SpaceX, you are putting almost half your retirement money in 10 companies.
This custom portfolio is **significantly overweight in U.S. stocks** and **tilted toward Growth** compared to the [Vanguard Total World Stock ETF (VT)](https://investor.vanguard.com/investment-products/etfs/profile/vt). While VT provides a "market-cap weighted" slice of the entire global investable market, your portfolio is an active bet on the continued dominance of the U.S. and large-cap growth companies. **Geographic Exposure** * **Heavy U.S. Tilt**: Your portfolio allocates **87% to U.S. equities** (combining VFINX, VIGRX, VIMSX, and NAESX). In contrast, VT maintains a roughly **62.5% U.S. allocation**, reflecting the global market's actual composition. * **Underweight International**: You have only **13% in international stocks** (10% Developed, 3% Emerging). VT holds nearly **37.5% in non-U.S. stocks**, providing much broader exposure to markets like Japan, the UK, and China. Vanguard +2 **Market Cap and Style Tilts** * **Growth Concentration**: By adding 12% in Vanguard Growth Index (VIGRX), you are "tilting" away from the total market's neutral stance and betting on high-valuation sectors like Technology. * **Complex Mid/Small Cap Mix**: While VT naturally includes mid and small-cap stocks at their market weight, your portfolio manually allocates **15% to Mid (VIMSX) and Small-Cap (NAESX)**. This may result in a higher concentration of smaller companies than a market-cap weighted fund would typically hold.
Pick a broad market ETF with a low expense ratio. Pretty much any of them. Avoid dividends. Absolutely avoid covered-call income funds. Completely ignore the degenerate gamblers in this thread that for some reason mention options. Instead of SPY, look at VOO. The expense ratio is lower. At your age, it’s as diverse as you need. If you want something else for whatever reason, going all in on VT or VTI would be fine, too. All of the above applies in your Roth as well.
I’ve had VT for the longest time, this might be a rare opportunity so I’m gonna take my chances 😁my average price is 364
fndx eh? that is interesting. As far as what to do about Space X being shit in S&p500, best thing to do might honestly be something like VT... dilute as much as possible
I read the loss porn here to stay on a VT and chill strategy. Best advertisement for indexing I can think of.
Rallying because I sold 50k of VT ETFs and now want the mutual funds. Bless me up Japan, keep rates low please.
Way too many funds. Avoid dividend etfs when you are only 19. That just causes forced dividends you will pay tax on. 90-95% VT or VTI/VXUS and the rest whatever you want to overweight.
Bro, you’re 21 with $1.8k. You don't need a hedge, you need a shovel to dig more cash into VT. Gold is for preserving wealth, but you’re in the wealth building stage. Stick to VT and chill , check back in 10 years.
Because everything in those is also in VT and VTI.
I was DCAing into VT until beginning of this year, when I switched to only VXUS. But then I was heavily tilted on my total US exposure anyway and wanted to diversify.
I’m sticking with VT through this volatility so maybe 8%.
Let's see how we close. That will tell us whether institutions are buying into DJT tweet of the day. US Treasury yields matter more for foreign markets & peeps than Americans. I think you may time your $TLT trade which I still have a hedge position in. But for Americans it is better to own $GLD over $TLT to hedge our USD currency risks. We have to balance inflation & loss of USD purchasing power vs the price of equities (even if they are expensive). I am NOT bullish at all; but these indices prices are worth BTD in as part of a long term DCA investment strategy. I still think you should hedge your $TLT port with $GLD & $VXUS and maybe $VT if you ever feel a wild bullish hair up your ass : )
I prefer to bifurcate U.S. and non-U.S. into separate funds. VT falls into the momentum trap where you overweight depending on performance. VT's weight in U.S. is higher today than it was in 2012, for example. This is fine, and I think 60/40 U.S. to international is perfectly fine. But I like the idea of maintaining a consistent balance over time. Keeping separate funds also enables you to overweight based on valuation. I was edging out of U.S. in favor of international in 2023 and 2024 due to how cheap international was getting compared to domestic. That turned out great. TL;DR: VT is fine, but I can make the case for separate funds.
Adding sector after sector, or like the VT crowd, company after company, isn’t really diversifying. Go and look at a correlation matrix of your favorites. Bonds are not the whole world. Gold, managed futures, international can come into play. You don’t necessarily own them all to make money as individual items, you own them as a whole with rebalancing between them. Buy low, sell high as part of that. The whole is greater than the sum of the parts.
Yes. A common suggestion would be S&P 500, which is 500 of the largest stocks in the US. Which is pretty well diversified, but it's all large stocks, so there is a bit of room to diversify slightly more with an index that includes some smaller stocks. And that's all US companies, so there's a lot of room to diversify more by including some international. In recent years, US stocks have tended to perform a bit better, but there are time periods where that's not the case, such as 2000-2010, or 2025. In any case, buying whatever has done the best in the recent past isn't always the best strategy going forward. If you want a single, highly diversified fund, consider VT, which includes US and international stocks, large and small. It's weighted to the size of the markets, and the US stock market is the biggest component, but it's around 35% international. And a majority are larger stocks, since those are bigger, but there are some smaller stocks too. It works out to over 50% S&P 500 due to the weighting, so you'll still be very exposed to that, but with significantly more diversification. Similarly, you could do VTI + VXUS. VTI is just the US components of VT, and VXUS is just the non-US components. You could combine those in a similar ratio, but if you're in a taxable brokerage account instead of a retirement account, it could work out slightly better for taxes, and with a slightly lower expense ratio.
Invest in VT and let the market sort it out ¯\\\_(ツ)\_/¯
I own a ton of stocks. From safer stocks like VT, Apple and Amazon to more speculative stocks like HOOD and REDDIT And yeah; they are green (for now), but we shall see. I’m long so don’t really care about the daily percentages, because I’m not playing options.
Keep it simple. Skip dividends. Just throw it in VT, or one of the target date ETFs offered by iShares
People are going to get killed sitting in cash. Most people's salary hasn't kept up with the real inflation rate since COVID. Maybe those w/ 4-5% in short term interest bonds have come close. We are at the point of no return. I've done well buying Gold but I started buying under $2k and my cost basis now is around $3500 after buying this dip pretty heavily. I do see Gold ultimately pulling back to $3500 so I don't think people should go all in right now. You need stocks/equities as well. $VT and $VXUS make the most sense to me to hedge some risks.
Yeah, at 19 simplifying is key. I'd also suggest just sticking to VTI or VT and not trying to pick sectors or anything. Keep it simple and low fee, esp. early on!
Depends on when you bought and sold them. If you want to buy and hold forever just do VOO or VT. You cant buy and hold forever individual stocks.
This looks more complicated than it should be. In general, young people should invest 100% in a total stock market fund, either total US or total global. The best ETFs are: * [Vanguard Total Stock Market ETF](https://investor.vanguard.com/investment-products/etfs/profile/vti) (VTI) - total US stock market * [Vanguard Total World Stock ETF](https://investor.vanguard.com/investment-products/etfs/profile/vt) (VT) - total global stock market Choose either one or the other, depending on your views on owning the US only or the US + international. If your heart is set on a growth tilt, I would choose one (or a mixture) of these three ETFs: * [Invesco S&P 500® Momentum ETF](https://www.invesco.com/us/en/financial-products/etfs/invesco-sp-500-momentum-etf.html) (SPMO) - A bet on large-cap momentum. * [Invesco NASDAQ 100 ETF](https://www.invesco.com/us/en/financial-products/etfs/invesco-nasdaq-100-etf.html) (QQQM) - A bet on growth. * [Vanguard Information Technology ETF](https://investor.vanguard.com/investment-products/etfs/profile/vgt) (VGT) - A bet on technology.
Why not invest in value ETFs such as DIVO, IDVO, and SCHD which are not heavily reliant on volatile mega cap stocks in VTI and VT..
Pull out half,split it 50/40/10 between $SPY,$VT, and BTC. Give yourself a golden parachute, THEN gamble it away
I sold a chunk last Monday after the first TACO bump after the grim looking weekend. But that's only because I am expecting to need cash for a down-payment in the next 6 months. If not for that I'd just hold and continue to autobuy. But the risk of staying in VT and waiting 5 months to sell for when I immediately needed the cash was not worth the risk for a potential 20-30%ish crash in the interim.
SPY -7.8% while VT -5.7% r/Bogleheads is strutting.
I see. So because I'm in investing subs in Reddit, it's 50/50, but the population at large is mostly fearful. That tracks. So in your opinion, because the market trends upward at 10 percent a year, and is inherently hard to predict, you recommend never shorting the market. Are you invested mostly in a broad fund like XEQT or VT? Were you around in 2000 or 2008? What do you think of people like Michael Burry who predicted 10 of the last 2 recessions?
I'm not touching software stocks or $IGV. Maybe they recover but the odds are pretty damn good that they will all be repriced to lower fwd multiples x earnings going forward. So far I've been pretty lucky that $VT and $VXUS have hung in their pretty well vs $QQQ. Tech is not as big as a % of the market cap for $VXUS and other foreign indices compared vs $SPY. $SCHD has hung in there pretty well as well for an US stock ETF equivalent.
You can do the exact same thing if you want. I keep growth funds in my taxable because they have lower dividends, but keeping VT in both or VTI/VXUS (or similar funds from other brokerages) in both are just fine.
Man if I were you I would throw the majority into VT and continue the same thing as before with that remaining small amount.
Let's say you're right. I fired off half of my dry powder buying $VXUS, $VT, $EWJ bouncing off their 200 DMA and $GLD bouncing off its 100 DMA. I could have waited & I did BTD too soon. But i don't need this dry powder today. I still have a job and 6 months of emergency cash. Cheers : )
I dropped a lot of my growth stuff in my Roth today. I was still up 45-60% in them in under a year and shifted it all to VT. I’m still in the market just not as exposed to the same risks. Rotation can look like people are just bailing on stuff is my point I guess. Some people think they can time the market though.
Only 5% and praying for more. Ideally want to see VT goes under 130 🙏
I bought two years ago, a year ago, a month ago, and probably some more again by the end of the week. It's a bit over 10% of my overall portfolio at this point and my confidence is high that they will continue to do well. If you can't trust your thesis in volatile times then you're prone to sell on lows and buy on highs and that's a recipe for disaster, and it's a sign that you don't have a strong enough reason to own it in the first place. False confidence is also a big risk, if you don't completely understand the business and the surrounding dynamics you're better off owning an ETF like SMH, VOO, or VT.
VT portfolio down 4% SPY and LEAPs portfolio down 10%
I've always sworn by the Spek "Candyshell grip" cases (the ones labeled "grip" have raised rubber spines. Like this one: https://www.amazon.com/Speck-CandyShell-iPhone-White-Black/dp/B07VT1BNYX
I just want to watch VT burn...IYKYK
Well boys. I’m retiring from the casino for a bit. Making 120k in a week is the craziest shit I’ve ever done, and promised myself after hitting 150k I’d withdraw to pay off my student loans. I’ll be setting money aside for taxes of course, but I’ll be a VT and chill man afterwards
Half my 401k was in the S&P and half in a TDF(2040) I just moved it all to the TDF I sold about 30k of VT in a brokerage at a 3.3% loss, as perhaps a tax loss harvesting move, and also to have more liquid $ That's all I've done ATM. I'm not sure I will do anything else.
Number 5, just sold most of my bonds and bought VT as my main position , holding 18% cash for further downside. Currently DCAing each paycheck and the interest each month from the cash into BTC.
$VT is trading at 10/10/25 lows; and $SPY is trading at 8/20/25 lows. Many indices including $GLD are hitting support levels where bottoms were formed 2-4x over the past 52 weeks - 2yrs. $SPY and $VT have had 4 straight weeks of loses. Nothing goes down in a straight line forever. And looking long term, is it more likely that all the World CB's print more or less money in the future? Is it more or less likely that the $10k in cash you have stashed in your savings account will buy more or less stuff 1-5 yrs from today?? Is it more or less likely that the price of $SPY, $VT, or $GLD will be lower or higher 1-5 years ago than today? Please don't let politics influence your long term financial decisions. There will be a different POTUS in office 2 and half years from today and likely yet another different POTUS in office 6 and half years from today.
Why did I full port VT instead of SPXS
I would not trust any 3rd party platform to handle this outside of my own brokerage account and clearing firms. The big concern I would have is the selection bias. Nobody's going to pay for my AAPL vote to reconfirm the board of directors or do sensible policies. Any indication that a vote would be controversial enough to warrant someone being willing to buy mine is a big red flag either on the company itself or on whatever the activist is proposing. It's similar to share lending in retail accounts. Sure, I'd be happy to lend my VT out, but there's so little demand for that that I don't get anything. Hard to borrow stocks typically go down, so if one was given the opportunity to lend their shares out to a short seller, they should probably just take that as a sign that they should just sell it instead.
VOO/VT/VTI is doing alright compared to most things Gold also doing alright if you didn't buy during the crazy pump
I know man, I know. I put it all in VT!
Yeah there's a lot of reddit going "well if you can't time the bottom or top then VT and chill" people too
you do that by rebalancing into VXUS and VT. in fact you should have done that when dumbass was re-elected. this is mine, rebalanced when dumbo came to power as of yesterday. 10,028,510.20 Rate of Return (1Y) 16.11%
Yeah they're taking advantage of rising energy stocks and so should everyone opposed to stubbornly holding onto VOO or VT
You are in a stock subreddit you absolute twat. You probably get 12% on VT an think you’re a genius. Serve your own means but he asked a question and you not only didn’t hear it but contributed to the dumbass echo chamber of trusting your money with other people. How do you think the market gets efficient? You’re a sheep.
Damn, maybe I should just withdraw from my 120k portfolio and pay off my remaining 150k in student loans. Then VT and chill like a good man. Or…I can yolo it all on options to go for 200k. WHAT SHOULD I DO BOYS
They definitely can’t do 8th grade math word problems or shut up if they don’t know what they’re talking about. It’s too bad that they give VT and Chill a bad name, though. It’s a solid strategy in its own right.
Can’t do covered calls on VT 😔
I forgot people on this sub are incapable of thinking beyond "buy VT and chill"
Small and mid caps that have income stream from overseas not mainly US Otherwise you could look at some Asian blue chips companies to play safe Finally you have as well the world index ETF that are much larger than SPX like VT for instance (not financial advice) so you could get a more diversified approach and not only have your performance solely driven bu US economy zone
Yea, VOO, and VT. $1000/every week not all at once.
This is the real reason why DCA is suggested for large lump sums. Dropping in a large sum, especially after exiting a different asset class, then seeing a significant chunk of it immediately get vaporized is psychologically brutal. Even if all the research papers, backtesting and monte carlo simulations tell you that lump sum is the financially optimal path over a long time horizon. Search Google for Bob the world's worst market timer for an obligatory video about this topic. Something to bear in mind is that index investing isn't like real estate and landlording. The entire game of index investing is buy and never sell over decades with dividends reinvested. That's it. If you're freaking out today it's because you haven't fully understood what you've just invested 800K in or thought seriously about your time horizon or risk tolerance. The reason some people like real estate is because it gives them a sense of control. They can use leverage to climb the property ladder. They can vet tenants, do preventative maintenance, they can sell the property if they don't like the neighborhood anymore and buy one in a different place. On top of this it's an income generating asset so you're not paying as much attention to asset value as you are to cash flow from the property. Index investing is a bet that global business will continue and expand over the long term, with an understanding that stock markets are cyclical and experience corrections along the way. Todays market is barely even noise. VT is down 5% YTD. You need to be comfortable with seeing drops of 20-30% in a bad year.
Indeed. I make small bets. Sub 1k. In the last 4 years I’ve averaged about 10% but with the bull market that’s not great! Once this correction is over I’ll just VT and chill. Well…I’ll maybe leave 10k to still play the market. I can afford to lose that no biggie. I appreciate the word of advice tho. Thank you.
I receive around $500k at the beginning of every year as part of profit sharing. I lump sum that money into the index almost every time. When the market went down significantly later in the year, I sold all the shares I just bought, locked in the losses, and bought an equivalent index (SPY to VTI, for example). If the stock went down further, I sold again and bought another index (VTI to VT), locking in the losses again. Then I write off $3k of losses against my income, at the very least. During COVID, I locked in enough losses to offset a big chunk of capital gain when I sold my rental property. During the liberation day drawdown, I locked in around $100k of losses during that 2 days. I don't mind locking in losses in a taxable account because I can carry the losses forever and use those to offset my gains later on to control my taxable income. If early retirement is in your future, these drawdowns are gifts. During your RE years, you need to control your taxable income ( < 400% FPL) to get subsidized health care. Carried over losses is one of the ways to help you manage taxable income from your investment. Watch out for washsale. As a rule, my IRA and tax-deferred accounts only hold index mutual funds with dividend reinvestment turned on. My taxable accounts hold index ETFs. I don't have auto reinvestment on any of my taxable accounts to avoid unintended wash sales.
LOL, the Iran War has already covered up the AI tech crash which I like to call dot com 2.0 and also the private credit disaster. But, if you can look through the smoke we are hitting previous support levels on $VT, $VXUS , $GLD and the $SPY that we've previously hit 3-4x going back the prior 52 weeks. Disclosure - 30% $GLD, 20% $VXUS, 20% $TLT, and 10% $EWJ, 10% $VT and 10% $SPY. I'm not smart enough to pick the correct stocks that will bounce after this DXY short squeeze is over. World CB money printers are about to go BRRR......
For that timeframe, a globally diversified ETF like VWCE or VT makes a lot of sense. Keep it simple and consistent.