VT

CD274

Yeah there's a lot of reddit going "well if you can't time the bottom or top then VT and chill" people too

DarkVoid42

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%

Machine8851

Yeah they're taking advantage of rising energy stocks and so should everyone opposed to stubbornly holding onto VOO or VT

Huhuix

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.

LostandConfused2024

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

Ahamadrayasbaboon

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.

LostandConfused2024

Can’t do covered calls on VT 😔

HURCANADA

I forgot people on this sub are incapable of thinking beyond "buy VT and chill"

Great-phoenix

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

PopularRain6150

Yea, VOO, and VT. $1000/every week not all at once.

cortex-

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.

sattlerreader

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.

paq12x

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.

drew-gen-x

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......

Meghan_Estae

For that timeframe, a globally diversified ETF like VWCE or VT makes a lot of sense. Keep it simple and consistent.

One_Talk_3410

VT

MaybeTheDoctor

Don’t buy individual company stock. It closer to gamble than investing. Always only buy ETFs as it gives better protections. Go VOO or VT.

SaaSGrass

Throw it in VT or VOO

Quiet_Luck12

VT gang checking in

DarkVoid42

>The main things I’m seeing are highly inflationary damage as a result of a poorly planned assault on Iran that resulted in the regime exploring options of enforcing fees on transit of oil. temporary >Tariffs which are already a form of austerity against Americans. Somewhat middling but high for the time period interest rates, a breaking point for general Americans. already partially struck down by the courts >Large amounts of risky private debt associated with risky data center investments, and significant cost inputs as a result of already constrained compute resources like RAM and so forth. bubble >Job displacement as a result of AI reducing job growth prospects in businesses meaning less money flows. temporary disruption >The forces in the market right now having someone like me who’s an extremely cautious, patient, tolerant, and measured thinking I need to protect my capital for the next 10 years. you do that by rebalancing into VXUS and VT. in fact you should have done that when dumbass was re-elected.

joe4942

VT (top recommended ETF by passive investors) is only up +38% over 5 years, and +25% from the 2021 high. Double digit inflation during that time too.

FlexyTheGamer69

I’m down around 9% from my ATH in January. Only down around 4% YTD. I had rotated a little into cash in early February and had around 6% of my portfolio in cash. I’ve been slowly deploying it this last week. I’m mainly buying VT, QXO, UBER, HOOD, and KRKNF. Thinking of buying some more RKLB if it goes into the low 50s but my cost basis is around $4.50 so not too sure.

ccgogo123

VT

ihopethisworksfornow

Boglehead start is like a 10-30 year time horizon strat Like the strategy literally involves not caring if you’re buying the top. No idea what you were thinking. If you buy and hold VT forever, yeah you’ll be green eventually.

1-Dollar-Doge-Coins

VT (which is about as broad as you can get) is down 5%+ this year.

CaffeineFueledRant

VOO is S&P500 VTI is total US stock market, so VTI is mostly VOO with some extra stock. VXUS is non-US stock. VT is a mix of VTI and VXUS.

PhD91

Invested 840k EUR into VT in February, down to approx. 800k EUR now. Oh, well; I've just turned 35 and I just keep investing 6,5k EUR monthly – there isn't much to be done about the situation anyway, is there?

ChairmanMeow1986

This is why DCA (Dollar-cost-average, i.e. consistent investment) in diversified assets exists. It flattens volatility over long-term investment horizons. So yeah, you will thank yourself in 10 years and feel like a genius in 20 if you start putting a % of your paycheck into indices at 18. Key there is diversified. VT is global, would, but VOO/VXUS/Bonds (70/20/10) might make sense for you right now. Go check out r/Bogleheads maybe. It's a conservative investment style, but seems like it would suit you at this point in your life.

60Runner90

single digit quantity VT. Just because.

Bob4Not

Scheduled DCA plus a small extra DCA into VT

CarRamRob

You’d think bulls would notice the difference between a few tweets about tariffs and the world missing 10% of its most inelastic commodity, for the first time in history (1973 crisis was closer to 7-8%). But keep saying buy the dip. I moved 15% of my 95% equities portfolio which has been VT and chill to cash three weeks ago. Been investing 15 years and know enough that yes this time is indeed different and can’t be solved without an agreement or destruction of the Iranians, neither which is likely for half a year.

chrisnwho

VT Iau sgov

owenmills04

VT

Van5555

VT is my post crash plan

UvitaLiving

My returns over the past 4-years have been on par with VT. I’m well diversified with a slant towards value/dividends. Probably an 80/20 allocation.

Alwaysfavoriteasian

Bogleheads jerks it to VTI and nothing else. They may switch it up to VT here an there just keep their arousal going. 7% a year compounded over 40 years and you might be able to work part time.

LostandConfused2024

For once, I’m glad I pussied out and bought VT. Losses are not nearly as bad as they could’ve been

midwestck

I buy VT to hedge against this retard and he finds a way to fuck Europe harder than us

Legitimate_Source_43

I don't want to be mean or rude. I understand money and " loss" of money means different thing to different folks. Emergency fund should be 3 months expenses in a savings account. If you are young , after that in your roth/tfsa put the 7k into a total equity index fund and chill. In the states it's VT and in canada its veqt/xeqt. If you are doing options/swing trading/individual holding it should be around 5 percent of total assets max. This gives you some "fun" at the Sametime you are being responsible

AceMaxAceMax

VTI + VXUS, or VT if you want one ETF

drew-gen-x

I'm buying the world w USD during a USD short squeeze. It's been the American Way for decades. Why BTD in American stocks when you can BTD on entire countries. I will mostly be DCA into $VXUS and $VT when US stocks get cheaper.

LostandConfused2024

Well, the good news is that I decided to VT and chill. The bad news is that I’m down

TheOliveYeti

Buy VT/VXUS or VT betting on sectors typically ends in disasters

LukaDonut487

23y/o newbie seeking advice I have been working hard for 2 years, saved about 60k to invest in the stock market the start of this year. My portfolio is: 60% VT 15% AVGO 15% CRWD 10% NU At that time I thought it is a well-balanced portfolio with exposure to industry that I am personally familiar with. Next thing I know - SaaS burst, War started, Claude threatening Cybersecurity. All of my selections were down, with NU and CRWD down more than -15% YTD. I just can’t mentally switch off. Feel like my hard earned money is gone. I am think about switching to less volatile position like 60% VT 20% AVGO 20% MSFT Would that be a better position? Or am I just making the rookie mistake of panicking and my portfolio is completely fine. Please advise. Wish all of you the best in this bear market

No-Relief1518

That had been my strategy, too. But, for some reason, this time I just didn’t rotate out soon enough. That’s ok. Just have to look back at this one and figure out what went wrong. Thanks again. Will look into VT! Have a great weekend.

JohnBrownsErection

Best wishes to you too! VT tends to always be the safe bet. I got lucky on my tech holdings because my strategy relies on rotating in and out of positions as conditions shift, at a somewhat rapid pace compared to most long term investors. 

JohnBrownsErection

When in doubt, just throw it at VT.  I was also in MU, WDC, and SNDK myself but came out with gains lol, although I have a tiny bit of WDC left. 

camang13

Bro you need to VOO or VT and chill, if you are really fiending for an individual stock go BRK.

Accurate-Flow8078

My 401k is 100% in VTSAX. Should I switch to VT or is it too late?

Ok-Blood4340

You maxed out your Roth contribution in a low cost index fund at the start of the year, so presumably you cannot invest any more money this year in the Roth correct? You jest about uninstalling the app, but realistically, that is the statistically best advice because there are no actions you can take besides selling and investing into something else, de-worsifyjng your investment. 100% VOO (Or VT, VTI, etc) assuming a time horizon of 10 years or more is the best investment sans luck or edge.

CD274

Or fifty posts of VT and chill on the other stock subs At least penny stocks has crazy pump and dumps

Creative_Squash_1083

If you're buying a home in a few years you should really be leaving that money rather liquid in a mma, hysa, or other extremely liquid vehicle. None of that down payment should really touch the stock market. Bonds are fine but like, CDs and mmas will compete with their yield just fine and may come with things like FDIC insurance for your peace of mind. Money you need in less than five years really shouldn't be in securities. You of course should maximize your tax advantaged accounts as you are doing, beyond that it really just comes down to how big of a down payment you want. Invest whatever is excess of that. In these uncertain times, dollar cost averaging VT can be appealing.

bofoshow51

It’s absolutely unethical and blatantly illegal market manipulation. At the same time, it only works if people panic and actually put any weight into the words of an idiot who happens to be the nation’s leader. I trust nothing out of his mouth, I certainly don’t let him dictate how I invest. I will continue plodding along, buying my VT and VOO and VXUS once a month every month, and not let day-to-day fluctuations (especially the ones designed to scam me) change my behavior.

GuyFaulks77

Global markets ripping. VT pumped over 1% AH

tired_ani

Really? What else do you own? VT is an anchor in my portfolio so I didn’t mention it.

StophJS

Tempted to sell my VT and buy some of these beaten down stocks like MSFT and META. Probably return way more over the next couple of years.

Not-sosmartphone

I just started investing in VT. If the market crashes , my cash will be worthless anyway

drew-gen-x

DXY was rejected at 100. Crude Oil was rejected at 94.60. $SPY held 650. Buy the indices. $SPY, $VXUS, $VT. I would avoid $QQQ. Now if the DXY breaks above 100 and $SPY breaks below 650 for extended period of time then all bets are off.

robdenbleyker

Put it all into the VT, the total world market ETF, and ignore it until you're 60. Keep earning money and adding to it.

janious_Avera

It's generally not a good idea to try and time the market. The best approach for $70k is often to dollar-cost average into a diversified portfolio of low-cost ETFs like VOO/VT over a few months. This mitigates risk and ensures you're investing for the long term.

Ok-Piano8789

VT

be_like_bill

Per my philosophy, the VTI and VXUS split, or more broadly the domestic vs International spilt, is not an age thing. You pick something based on what kind of International exposure you'd like to have. I recommend no less than 20% and no more than what VT has (40% currently). Anything in-between is fine. The key thing is to pick one, say 70-30, and stick to it. What you don't want to do is chase returns i.e. fluctuate allocation based on how the investment is doing. e.g. Several folks reduced or removed their exposure to VXUS over the last 10 years because of underperformance, and are now flocking to VXUS when it already has a run. That's how you underperform the market. Pick an allocation and stick to it for 20 years.

Creative_Squash_1083

VT and chill.

yeeetcoin

I swear you all should stop “investing” and just VT and chill, yall are a detriment to your own progress. There are countless opportunities every single day we’re multiple stocks pump >10% and all of you collectively find a way to somehow miss every move up and ride every move down based on fear and FOMO responses. It’s wild to see over the past few years. For example, you could have bought ARM hours after they announced a wild new revenue stream yesterday and would have been up 20% automatically this morning but instead you’re catastrophizing about a future event that may or may not happen and may or may not create any sort of LT material drawdown and contemplating selling everything! Go touch grass, the stock market isn’t for you. These types of posts are an insane waste of time for everyone.

Bossanova12345

I feel like I would move this comment up to the top if I could. It’s so simple and common sensical. You can ALWAYS invest in conviction bets once you have a good foundation. Whether that foundation consists of VT or some combo of VOO/QQM/SCHG/VTI/VEA/VWO/VXUS is irrelevant. Foundations first.

Bossanova12345

VT and chill is the new fad.

trix_is_for_kids

I'm sure losing $12.5k in a day will make you less stressed. Next time you can't handle the stress, put everything into VT and delete the app.

DudeWithTudeNotRude

A bad market is a great time to buy. A bad market is a terrible time to sell. If you have decades before you sell, you should buy, regardless of the market being up or down. Just buy a broad index (VT) or something with the $400K (don't DCA), and again each month/paycheck, and enjoy the discount you get when the market is down, if you need something to feel good about. Decades of compounding growth will change your life. Exactly what you buy matters much less. Get in as many years as you can. Hire a fiduciary to make a plan for selling, maybe 10-15 years before you sell. Buying is the easy part. Buy. Ignore markets when you buy, bc they don't affect you (side from getting a discount or premium, but you aren't timing the market, so it doesn't matter)

LostandConfused2024

Do I buy Microsoft and become a bagholder? Put my money in SGOV until the war ends? Or VT and chill.

Pffffftmkay

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.  

DudeWithTudeNotRude

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!

Acrobatic-Song-3151

VT, Musk needs less of my money, not more. Too many IPO’s about to be dumped on Spy investors heads. 

IdioticPrototype

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. 

Putrid_Pollution3455

Brother, I hold USFR VT and IBIT.

RussianRiverZealot

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?

Behbista

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).

Putrid_Pollution3455

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.

Internal_Field5970

I have some VT VOO VXUS and VYMI as my long holds and that I play with the rest 

Putrid_Pollution3455

A fellow VT and chill boi eh?

Acrobatic-Song-3151

Which is another reason why I’ve been pivoting towards VT.

Machine8851

70% VT 30% SOXQ would give a nice boost in returns

TJHawk206

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

pbmadman1994

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.

brug76

A few years ago maybe but VT outperforming VOO right now

Feeling_Walk5820

VT

Citiesmadeofasses

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.

drew-gen-x

Expand your fishing pond and buy something like $VT (world plus US) and $VXUS (world minus US).

CarRamRob

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.

drew-gen-x

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.

SerMumble

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.

MacroBully

VT and chill

kokatsu_na

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.

ResolveSweaty5064

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.

IllllIIlIllIllllIlll

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".

Impressive-Panda4383

Meanwhile the VT/FSKAX clan since has netted 70% return the last 3.5 years to be boring.

stattik-chiv-1

If you put that all in VT you would have like 50k or something

ctzn2000

OP, please just VT and chill from now on. You will be ok.

CarpenterThese5372

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.

JDsWetDream

Ehhh with this time horizon, less value, more growth. Trade 20% of VT so Qs or something with a growthier tilt

McKoijion

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