VT

BlindTreeFrog

OK, you have $3mil. I'd first point out that the advisor would read the fine print and explain to you that the $30K/yr was paying for their services and you'd still be paying the 0.06% administrative fees that VT charges for any money left invested in VT (or any fees related to selected investments would not be part of that $30K/yr). Snark aside.... Depends on your situation. Are you looking at estate planning and want to package your investments for your future beneficiaries in a way that leaving it in VT may not do? Do you want to take a portion of your investments and focus it in certain industries? It's not a question of "will they get me more returns than i'm seeing now", it's a question of "will they better let me use my money and/or time that I am interested in or capable of doing on my own". I could 100% set up my own trust and manage that, but I have no interest in doing that and I have better things to do with my time. If you don't have things you'd rather be doing and are fine handling your investment, then god speed and you don't need a wealth management service. The job isn't always to maximize gains.

flyinsdog

The Fidelity thing seems to have a fee of anywhere from 0.2-1.2%. Will I see benefits over the .06% I pay for VT? That's a potential difference between $30,000+ a year using Fidelity services or $1800 a year holding VT. A new Toyota every year!

flyinsdog

I have 2 holdings in my Fidelity account. 1/3 is 2 month T bills that I auto roll and 2/3rds is VT where I reinvest dividends. I do have a few other holdings (SCHG, SCHD, SCHY) in my IRA but that’s mostly VT as well. Am I missing out on anything? Not sure as the bogleheads and fire forums seem to promote this kind of investing.

bc_this_is_America

Add to it the (not so) low-key devaluing of the dollar. Best bet might be to just keep investing in VT, VOO, or VTI. I've added quite a bit of VXUS and VEA (to overweight developed markets) in order to bump my international exposure to around 40%.

lana_rotarofrep

Just do VT you retard

Maleficent_While2653

Seriously thinking of getting out of VT and into IXUS or VXUS. Already have a gold/silver position to protect my portfolio against the US.

flyinsdog

What makes sense about having a wealth manager at those levels (1-10 million)? I’m really curious as someone just holding VT at Fidelity. What am I missing out on?

bigfern91

You can throw VT and EEM in therr

Neat-Voice2456

Yes, wealth management services start making sense ~$500k liquid. Most clients at my firm are $1-$10M with the median around $2M. Peak is ~$30M. We have some $100k-$200k clients but they’re mostly older client’s kids. If you’re a smart 30 year old with $100k in assets? Yes VT and chill is great. But it’s a lot more complicated as you get wealthier, older, and don’t have earned income.

Neat-Voice2456

I don’t think you understand the wealth management industry at all. I see this a lot, I even saw a comment on reddit say to “avoid those 2/20 guys”. Most modern advisors have clients in broad diversified ETFs. 60% S&P 30% INTL+EM 10% small caps (for equities). I don’t know any advisors who are really picking stocks like a hedge fund manager. It’s not to say a single stock never winds up in a client’s account, but this idea that the typical advisor is some shmuck who’s claiming he can beat the market with his 20 stock portfolio isn’t accurate. It is asset management, yes. But it’s also managing cash flow, estate planning, charitable giving, there’s a lot more to it than just “VT and chill” for a small business owner with variable income who wants to move, retire in three years, buy a house, pay for his daughter’s college, and make sure his brother doesn’t get a cent when he dies.

Acrobatic-Song-3151

Agree on the above, but I’d hedge against myself and put 1/2 in VT now and then dca 1k to it weekly. If you get a dip be way more aggressive. 

Flayum

You’re asking two questions:  1. How much should I keep for an emergency fund (obviously an absolute number that’s realtive to your expenses). 2. How much should I keep on the sidelines in case of a crash to ‘buy the dip’.  For #1, I keep 12mo of expenses in BOXX because my HHI comes from very unstable revenue streams and I’m in high brackets. For #2, that entirely depends on your philosphy and, critically, your time horizon.  If long-term, I think most would argue that you should always be invested (no cash) unless you have a very strong driving thesis that you could defend (eg. Buffet and BH’s current cash hoard). *How* you distribute those investments might be the more interesting question: Portion in cash-like entities (eg bonds)? Highly diversified portfolio so you can harvest winners and buy-the-dip in losers? Or just be a Boglehead and always be invested in the total market. I don’t really know the answer, so curious to see what others think. Personally, I’m just a VT and chill kind of guy.

Condog5

Invest in a EFT and you don't have to think mate VOO / VT / VTI something like that. If youre trying to battle single stock youre more likely to lose a lot of money, unless youre a genius or very lucky.

Justicar12

Buying more VT, MSFT, and RDDT.

Silver-Minute-3907

I get the “vibes” approach 😄. For 5–10 years, single-country ETFs can work if you really believe in long-term growth trends. Honestly, I treat these as the “fun slice” of my portfolio—VT/VXUS/VWO stay as the backbone. Curious, what drew you to EWY at first?

Cruian

Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust volatility level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds should equal less volatility. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund. (VOO could be used as a substitute for the US stock market role of you wanted to skip smaller caps) VOOG is fully included inside of VOO and focuses on the "growth" side of the style box (growth factor focused). Be careful, "growth" may not mean what you'd think it would in this case - the companies in it are already priced for lots of growth (compared to the rest of VOO). For what longer term history has shown about growth vs the test of the market, see: Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/

bobdevnul

\>I feel like I shouldn’t only do the IRA That is probably correct. Save and invest for the goals of your life. The first priority is an emergency fund in low risk, liquid savings of enough to cover several months of loss of income or other unplanned expenses. This belongs in a HYSA, money market fund, or short term bond fund. This is more personal insurance than an investment. The next priority is investing enough for a comfortable retirement. A guideline for that is 15%-25% of gross (before taxes) income. The annual IRA contribution limit of $7,500 is 15% of a $50K income. If you make more than that you need to invest more for retirement. If your employment has 401K type retirement accounts with some employer matching it is best to contribute enough to that to get the free money employer match before contributing to a Roth IRA, then contribute any more that is appropriate to the Roth IRA. Employer matches count toward the percent of gross income. Jobs with pensions require additional calculation of how much is needed to invest for retirement. After those save and invest what you can for other life goals - car, home down payment, marriage, children, vacation, entertainment, etc. - whatever applies to you. VOO historically has been a good long term investment. Some people prefer more diversification beyond the top 500 US companies and including companies outside of the US. An example of that would be 70%:30% VTI:VXUS or VT which is basically that combination.

MrCoolGuy42

Yep, I went with VT

QuiteAffable

Honestly, I know this is WSB, but you should consider talking to someone about a gambling addiction. I recommend you go 100% vanilla TDF or VT, you shouldn’t be making investment decisions until you get the gambling sorted out.

dissentmemo

100% VT

BlueWaffle135

Thank you! I'm always unsure of how to allocate my investments. I see some people advocate for 100% VOO, while others are like 70% VOO, 10% GLD, and 20% VXUS, or others do VT. Especially if you are in your mid-late 30s, how would you suggest allocating your portfolio?

undeadlol

Voo or VT and chill, just need to be patient.

SubterraneanAlien

So buy something like $VT? No one is forcing you to concentrate your investment holdings.

Detailed23

Toss it all in VT and keep adding is safe and smart. 0DTE is wild and reckless. I choose 0DTE

1-Dollar-Doge-Coins

How can you be overexposed to a very broad, diversified index? If you want to go broader, go VT.

Key_Lifeguard_8659

I have a good portfolio template for ya. For starters, unless you know a great deal about investing, keep it simple and invest in ETFs only. Each ETF (Exchange Traded Fund) is like a basket of stocks. Some contain hundreds, or even thousands of stocks in a single ETF. You want ur portfolio to have a main ETF, which most refer to as their core position. I like to pick one of the ETFs known for its stability and ability to grow. Vanguard has a few you could consider but I'll save you I time and suggest VTI. VTI will become your core position and I recommend 50% of your money go to it. Next, you want to add a little diversification and I suggest VXUS at 20%, I would be doing you a disservice if I didn't recommend a very popular ETF that's been a growth engine for my portfolio and it's got the ticker AVDV...Also at 20%. You now have 10% to put on something spicy and I would suggest the SOXQ ETF. It's riskier, but provides more reward and has a reputation for beating the S&P 500 benchmark... no easy task. Just expect it may be more volatile than the others. My last piece of advice is " don't panic." Hold the course and keep adding as much as you can you can to keep these positions at these percentages. If after 6 months to a year, you've learned enough and want to change something, go for it. But this template is good for the times we're living in. Others would have you invest only in VT...Which basically contains every US company and a chunk of international companies to boot...But I think you can do better with that template.

blorg

If you are retired or retiring soon, and you may want some of the money for yourself, look at a target date fund. From Vanguard, you could pick between 2025 (already retired) or 2030. The idea is you pick the year you are going to start withdrawing from it, and it handles the asset allocation between equities and bonds, increasing the latter for stability into retirement. Bonds are lower return but lower volatility, and can smooth out returns from equities. https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds If you don't need the money and it's purely to provide for your kids, I'd put it all in VT and just leave it alone. VT is diversified globally, the US has done a lot better over the last 15 years but US stocks are very expensive now and that could reverse. Hence why I'd pick VT. It's still ~62% US, so it's not a bet *against* the US, you just have international as well, so whatever happens, you get the market return. Key if you do this is consider the money gone and just leave it, do not look at it, do not sell it, consider it gone and your kids will get whatever's in there at the time. If you are going to be freaked out by a 50% drop, don't do this. Do the target date retirement fund. If you think you do need a bit of it now for yourself, target date fund, and it will still grow to have something for your kids for what you don't take out of it.

catsuramen

1. Pay off your debt 2. Throw the rest of money into VT 3. Forget about being the Section 8 landlord

guachi01

I'd just put the money in VTI or VT and call it a day if you aren't close to retirement. My current allotment: 66.5% VTI (all US stocks) 3.6% SCHD (mostly mid and large cap dividend stocks) 1.2% VXUS (ex-US stocks) 1.0% First Interstate Bank (I used to work there years ago) 0.3% DGRO (Dividend growth) 20.7% corporate bond funds (high yield that are averaging about 6.5% return) 5.6% 19-year US Treasuries (I bought them last year when they were 20-year Treasuries) 0.4% 0-3 month Treasuries 0.4% cash

Low_Selection2815

I don't go looking for leverage, so I would pay off my debt and put the rest in equities or assets (gold). Mostly VT, then buy gold when its cheap. Don't underestimate compounding power. You're young with a ton of money; let your stocks do the compounding, not your debt. Equities are also way more liquid than real estate, so immediate cash is never a concern. Of course, it's your life and you seem determined about your investment strategy. I wish you luck.

Shot-Arugula8264

VT, not VOO. But yes.

Condog5

Put it all in VT and forget about it

Machine8851

I would tone down the VT, maybe 60% and look at Microsoft and something else

aftherith

Maybe half VT as well.

Putrid_Pollution3455

We are growing up here, but there are degenerative ways to invest in VT; like living in a sewer and not eating do you can buy more

PashasMom

I’ve got some money on a seven year timeline mostly in VT with some VTV as well.

TreGet234

I suppose. Keep your main voo/qqq allocation but add some gold and VT or VXUS exposure just to currency hedge. Gold may even be a bad choice in the long run since it has run up so much it's sitting pretty much at a sensible value right now with 5k/oz. Though trump's nonsense might keep pumping it.

TreGet234

I think one of the investing subs can cook up a good allocation. I would add gold and also international exposure. Like, replace VOO by VT for example (or keep some voo still). Even dividend etfs might not be a bad idea. Or some cash-like dry powder like tbills for a potential crash, though that might be a bit too speculative and eat into the gains.

YouOk5736

Just buy VT

drew-gen-x

You could DCA that balance into 80% $VT and 20% $GLD and enjoy less stressful upcoming Spring.

IBangTokyoWife

Try googling this question as it as asked daily and you'll see more detailed replies. In short invest as much as you can constantly into VT

Emotional-Power-7242

VT has superior expected risk-adjusted returns as a result of being more diversified.

YoogleFoogle

Everybody saying sell but if you work for a mag7, just look at the returns for any of them compared to VOO or VT over the past decade. Who knows if that holds over the next decade but it’s not a dumb bet. I would just max out your 401k and back door Roth into VOO or VT and sell stock to ensure you’re maxing it out but hold the rest

squid_game_456

Sell RSU => Buy VT

Civil-Community-1367

Does this matter? He's saying he is confident enough in Microsoft that he will put 10% of his money in a more risky pick that is honestly oversold by most expert's predictions If he has 900k in VT and 100k in MSFT, and MSFT goes back to its ATH, then thats 30k gained just from his 10%.

rich9119

that’s solid. Keep your VT going and just chip away at MSFT and any other names you like in the other account.

Beataine

VT is the safer default, sure, but acting like MSFT is suddenly dead feels off. It’s still a cash machine with real fundamentals, not some speculative gamble. If someone wants to put 10% into a beaten-down blue chip, that’s hardly reckless.

Whole-Reserve-4773

The only actual portfolio for 30 yrs without touching is VT.

Emotional-Power-7242

Ditch the silver. Historically it is insanely volatile and does not return very well. If you must have precious metals at least do gold. Real estate/land I'm not sure what the market is like in Germany. In some countries real estate has been a great investment and in others it has been a terrible investment. Basically all of your net worth in real estate is risky, you are not really diversified. At this point I would be putting all the money into stocks and bonds. I am not sure what funds you have in your country but for stocks just buy a low fee diversified index fund. VT would be an example of the kind of fund you want. If you would like to invest in your home equities market that is also fine, you could do something like 30% domestic stocks and 70% world. Always with low fee diversified index funds. For bonds you are young so you don't need many but if you could put anywhere from 3 months - 1 year expenses worth of cash into short term government bonds that's a good idea. It will create financial stability, derisk a bit, allow you to better take on other risk, it's just nice to have a cushion of safe cash earning interest.

owenmills04

Doesn’t mean it’s going to outperform VT going forward though

billocity

AVNM and IDMO do well, better than VT.

amoorefan2

I hear you and agree but was suggesting that when someone that doesn’t seem entirely convicted in a company asks if they should pull from the safer allocation of funds from VT and put it into MSFT, I hesitate to promote that. I do understand that we all operate differently and ultimately, I suppose this is stocks and not bogleheads, so you’re absolutely right that they should chase the more aggressive individual equity. 👍

Furshake

If you're going to have that much in an ETF anyways then I wouldn't gamble 10% on one stock. I'd pick an ETF that's capable of outperforming VT. There are quite a few that have not counting VOO/VTI.

LumpyShock9656

I mean, I get the general sentiment, and yes VT is almost always better, but let's not forget that fundamentally, MSFT is a powerhouse, has strong numbers, and is deeply oversold right now. You're talking as if this company isn't producing billions in revenue each year, like it's the end and it will never grow again. While we don't know how low it will go, it is currently heavily oversold and discounted. So I wouldn't blame OP for dabbling into it, especially if it's only 10%.

Useful_Alarm730

I have no comment about your idea but just want to say I know an older man who holds 50% AVGO and 50% VT, and he has a pretty big portfolio. His reason is as a small business owner himself, he thinks Hock Tan is the perfect type of personality for making money and that Broadcom will win even if they are in the business of selling ice cream. I found this view point radical but interesting. And yeah high conviction for sure

sirzoop

I have separate accounts for index funds and individual stocks. I would say keep DCAing your normal amount into VT and in a separate account start building a MSFT position as well as other individual stocks

___Art_Vandelay___

You already have exposure to MSFT through VT. About 3.4% of VT is MSFT right now. You're tempting yourself to chase an individual stock because you've convinced yourself it's a buying opportunity with only "it's down a lot, almost as low as a previous moment" as your due diligence. You have no defined exit strategy. Just keep putting it all into VT and chill.

Mr_Pricklepants

Wow, it's amazing to see the hating on non-US investments here. Have you all looked at returns over the past year or are you just kicked into your "VT and chill" cult?

Whole-Reserve-4773

EJ is cancer. You don’t need any manager. Just VT or VOO or VTi / VXUS . Do it yourself in fidelity or Schwab or vanguard. Makes 0 sense to buy their expensive mutual funds plus pay the advisory fee plus they make many many trades to boost their commissions

James___G

Just use VT, the market prices the whole world of equities for you and better than you ever could.

SprinklesMany2038

You could totally self manage with schwab or fidelity etc. Depending on when you need the money and risk tolerance will decide your asset allocation. Im around 65/35 us/ international. VT is a great all in one fund. I'm only up a few % this year and have always self managed, with low fee low turnover passive index funds. Adding when I get money to where I need to balance my allocations. I use schwab. Im 40 Usually the fees for management are 1% of your balance. 

QuietButterscotch59

(I probably should’ve kept reading the rest of the sub, thanks thanks). Woah that is a great mechanism then, been in this world of VT for like 2-3yrs with a slightly obsessive attitude and only learnt about this today. How good. Happy to hear.

QuietButterscotch59

Oh, so like if company has a 10:90 split, public shares to insider shares ratio. Say market cap 1T. VT then when deciding allocation will treat the company as a 100B market cap?

Much_Friendship5497

VXUS is the gold standard ex-US fund. Yes, I'd recommend it because I think there's value in owning the whole world. We don't know what the future holds and being diversified helps me sleep better at night.  You can also just buy VT which IS the entire world and has around a 60% US and 40% ex-US composition.

boost-my-ego

They make around 40-50% of my entire portfolio, rest is Nvidia, TMSC, AVGO, SCHD, VT, and BKR.B. The percentage breakdown is the for the total position they three hold.

garfunkel123

or maybe 10% MSFT and 90% VT

Raiddinn1

Buying a house outright isn't a terrible idea for a portion of the winnings. House values have crashed due to interest rate hikes and that's actually a good thing for someone buying with cash. You still have the opportunity to do a cash out refi later to get most of the money back once interest rates go down again (if they do). Setup a taxable brokerage account at a top three broker (Fidelity, Vanguard, Schwab) and move the rest of the winnings to the taxable account. Since you don't need the money, I suggest putting the rest of the money into a low fee S&P index fund or whole world created by that broker. Something like FZROX or VT. This money should make very solid returns over your lifetime. Use this as a stable base. There is no realistic way to become a billionaire other than founding a company that becomes very relevant to the lives of hundreds of millions of people, so you probably want to start working on getting the kind of skills that would allow you to do that in the next few decades of your employment.

curiouscirrus

With the trajectory the US is on, I’d be doing VT instead of VOO.

Charli-XCX

Something NOBODY is mentioning is tax harvest gains. If you put all your safe investments in your brokerage account and make less than $49,450, you can tax gain harvest every year. Let's say you make 35k a year. You have 20k in VT ETF in your brokerage, it grows 15% in 1 year to $23k. After holding that ETF for 365+ days it turns into a "Long term" investment. Long term investments are taxed at 0%, 15%, or 20%, depending on your INCOME FOR THE YEAR. So you sell the $23k of VT and buy it back immediately. You pat 0% tax since 35k of income + 3k of gains in your brokerage = 38k total, you are well below that $49,450 threshhold before your gains would be taxed at 15%. Your new cost basis is $23k instead of $20k. You do the same thing next year, over and over. If you reach retirement age and ALWAYS made below the threshhold, then you could theoretically not pay any taxes on your whole retirement in the brokerage because you tax gain harvested every year already. Your tax cost basis would be the whole thing basically. THEN you can always withdraw from your roth at retirement age so it would all be tax free. This is much more flexible if you're living on the edge of poverty because you could withdraw all of your gains AND contributions at some point in the future if there's an emergency.

bobjohndaviddick

The only fund I'd put money I may need within 5 years in is VT.

Naive_Freedom_9808

I'm still kicking myself over this one. I'd considered buying it back in November when it was around $250. I didn't think it would shoot up like it has. It's been on my watchlist - amazing to see it stay green consistently despite the overall market dips. I could've doubled my money over a few months if I'd bought in. Instead, I dumped almost all my portfolio funds into VT out of fear of playing it too risky.

Dull_Vast_5570

I really doubt you'll listen to reason, but you should really just hang on to that $1.4 million. DCA your entire portfolio into VT and just never trade it. Hold that forever and only sell small pieces of 1% or so when you need income to live. Then it will average like 8% per year and you can retire soon. Anyone who can go from $3mill down to less than half that in this market in a week will get absolutely wiped out to zero in a real bear market.

Machine8851

I use VT as my core holding at close to 55% and have the rest in 2 satellite positions in AVDV and SOXX

Savings_Power_859

# $353k ready to invest for 3-4 years for down payment on home Hey all - hoping to get some of your sage advice. I'm in a HCOL area and believe it or not, on a single income with one kid and another hopefully in the next 1-2 years, I'm in a position where even $353k isn't enough for a downpayment. Based on the single income I'd need to have the down payment be around $500k. I wouldn't make up that $150k by just monthly saving and sticking it into a HYSA. I spoke with a financial advisor yesterday and they said with a 1%+ fee they would manage it and hedge my risk as the market fluctuates. The more I read though I feel like the best path is to just stick it in VOO, or maybe a combined VOO + VT (to get international exposure) and just let it grow over the next 3-4 years. Is this silly? I understand the market could obviously go into a bear for a prolonged period of time, but I just don't see any other option but to take on some risk. I was thinking I'd do $10k/day DCA until it's fully in the market and just step away from it. This money comes from crypto gains after holding ETH for 7 years. I made the stupid mistake of chasing the Silver craze recently and already lost a good amount, so looking to cleanse myself of the gambling mentality and be a good steward of this money moving forward. Very much appreciate any insight and advice!

LightForceUnlimited

You shouldn't add overlapping equity funds in with VT. Some people do use a small amount of their portfolio for speculative assets. I have seen quite a few people go 95% VT 5% Gold. Though I myself went 100% VT.

Acrobatic-Song-3151

I appreciate the response and the details. I’m actually retired too, walked away from corporate America at 41. I doubled up during Covid allocated those gains to buy three properties. Our goals are likely more aligned than my age reflects.  I’m at 20% international, been trimming VWO because I agree with you on emerging mkts. It’s like that chart can’t ever break through and it Taiwan breaks TSM will be in real trouble. Buffet sold that one early for that very reason. Half of our net worth is buried in real estate and the financial assets are: 50% domestic, 30% bonds, 20% international. The domestic is value oriented. I’ve been trimming domestic daily, flipping to international, and was hoping this last dip would get deep enough to pivot more out of bonds into VT.  Do you have any bond exposure?  I honestly thought long term rates would’ve come down more by now and likely need to trim my blv position, possibly pivot more into vxus. Bnd likely isn’t moving much more after a decent back half of last year. I did well with bonds during Covid, thought I was positioning myself for one more rotation out of them into equities. After taking gains from last April I bought even more. Also kinda addicted to selling tlt puts, been trading it from both sides for years. I’ve just been rebalancing daily and the guys I used to seek guidance from have mostly aged out. They’re still rich, have just been watching them make late age mistakes and think they should hang it up. Guys get so focused on never paying taxes they put their money in investable 1031 zones that are crap shoots. Another one got so confident with option straddles he blew up 300k early last year. 

Cruian

VT would be essentially the equivalent, VTI would not be as it is US only.

Forsaken-Proof1600

VT

Acrobatic-Song-3151

I was selling a Conseco analyst a high end car before the fiscal crisis and he told me, “You know nothing and never will because we’re on the line with these companies all day.” I should’ve taken his advice and bought indexes as well. To recover from GS I plowed into SSO and made it back. By the time the flash crash occurred I’d learned so much, but was still reckless.  Buying VT now because at 46 it’s time to get even more lame.  What’s your international exposure as a % of your equity portfolio? 

Jo351

You were focused on VT and SPY in your original comment though. I will agree that there are plenty of bad products available. Your framing is misleading though. Expenses are % based and would be spread out across the entire $145 or $687 share. It has no material impact on an individual company. The fact that it is such a small share in each company is by definition diversification, just because fees are more than the holding in a single company that does not eliminate them from the basket.

Maleficent_While2653

VT is my core holding about 80%. The rest I put into other sector ETFs or stocks that I think will do much better in the medium term at least. But VT is the main engine that propels the entire portfolio at a slow and steady pace. VT doesn’t need the highest return in order to be worthwhile. That’s what people don’t get. Once your portfolio gets to 6 or 7 figures and beyond, even a 5% compounding annual return is a large chunk of money. And you get that with an extremely cheap fund that requires no thinking at all.

Fun-Personality-8008

Just buying $1000 of VT every Friday like I always do

Machine8851

Well thats why VT is my core holding, the same way VOO would be a diversified core holding. I dont think you understand what that means

StatisticalMan

This assumes you can beat the market. If you can beat the market then why use VT.

Machine8851

I disagree, VT is a great core to use as a portfolio as I use this fund myself as a core holding. Its better to have a few satellite positions off of it.

seldom_seen8814

I think it is. I do like to augment my portfolio with some commodities as a hedge, crypto, and thematic ETFs I like that are speculative (play money portion). I also recently added DBMF as a hedge. VT is probably not going to be the MOST profitable. It would have probably been more profitable to go 100% on QQQM in 2009 than to go 100% on VT, but between 2000 and 2009 there would have probably been less of a downside to 100% VT than other ETFs that were heavily into tech. Nevertheless, VT is probably the best core holding to own, in my opinion.

StatisticalMan

>Pairing with schd or something else good or stick to vt?? There is no reason to pair any ETF with VT. VT you own the whole global market (well technically a representation of it). You can't add any equity fund to VT and become more diversified. As for SCHD specifically, dividends are not free money. No need to add SCHD to any portfolio.

WackyBeachJustice

It's not only fine, it will absolutely beat the living poop out of most people in this sub in terms of performance long term. It's incredibly counterintuitive, which is why subs other than /r/Bogleheads exist. Simple logic says that if you put in effort, you'll do better than someone who doesn't. In this case an absolute dummy can invest in VT and not even know what a P/E ratio is, or care. Why couldn't someone on this sub who spends incredible amount of time and effort reading, learning, debating, do better than that? The irony of course that most here will under perform over the long term. But the allure is too great.

Virtual_Secretary_98

Does VT and chill outperform most people on this sub?

Aevaris_

The funds are fairly new so can only go back to 2011. But most common broad indexes can get you 6+% yoy on average since 2011:https://totalrealreturns.com/s/QQQ,SCHD,VT,VOO,VXUS

ComfortablyNumb8357

I'll assume you were just left $10k as I would not sit on cash trying to time the market. By VT with all of it today.

Machine8851

VT is a great fund but I wouldnt make I wouldnt go 100% VT. Its a great core holding

composer98

One thing to keep in mind for any market cap based collection is how strongly that influences what gets bought for your dollar. Look at VT, for a fairly easy and not very dramatic example (many ETFs are far far worse): for your dollar, you'll buy $0.04 of NVIDIA. Ok, sounds fine. You'll pay only $.0006 in fees every year. Ok, sounds fine. Now what is not so fine, scan down the list of stocks you're buying until you notice that you are buying even less of those stocks than your $.0006 in fees!! At about position 300 already, you are really buying less of the stock, and the other 9,700 stocks, than you pay every year in fees. So it is far less diversified than it sounds.

SwingLord420

Lol!  I'm down $35,082 on AMZN today so count your blessing mate. Only -1.3% tho so I guess you should also size correctly. Maybe 383 is a lot of your portfolio (if so, stop buying individual stocks and focus all your effort on your income/job).  My first 2m in the market was basically all $VT and now I'm just using play money.  If you're complaining about losing $383 then imo you shouldn't be picking individual stocks. 

GrandGlacier1

I don't trade my 401ks, so they are still in managed funds I do trade my post-tax: Holding more cash, bought more VXUS, bought more VT, sold some individual stocks like HOOD (which I bought at $30). Scott Galloway thinks the AI bubble will pop this year, which will impact all stocks fwiw.

ATUGA

VT is up .76% YTD. Those damn Bogleheads… 😡

Wings2493

Microsoft and Nvidia yet this sub likes to tell everyone they just buy meme stocks. Critical minerals/rare earths, energy/nuclear, bitcoin, gold/silver, space, drones, healthcare, it’s all absolutely tanking 20-40% in a week to a month. Yet you’ll be told but the S and P is only down 4%! I’d love to know how many people here actually 100% VT and KO lol.

Maximum-Sign-5983

67% AMZN 33% VT I’m fucked

azure275

Don't log in to your investment account. Save enough money to not have to sell at a bad time. That's really about it Can I ask you why you're so broken up about the fact VT closed $0.07 higher than a month ago, and even VOO which has done worse is only down 1.8% in a month?

azure275

I think that thinking you're smarter than the market isn't going to go well Also congrats you now will be taxed on the profits of the first sale at your income tax rate since it's a short term investment, and you may not be able to write off your new losses if you botch the landing and sell them. You'd still be about even right now if you'd stuck it in VT and chilled. VT is down 0.7% from a month ago.