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
A stock? Probably Google. An ETF? VOO (or VT.)
Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk 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 equals less risk. 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.
Not necessarily making the most money but valued the highest. The market cap for the mag 7 is massive, market cap =\= most profitable but it does mean most people buying that stock. Now what happens is as those companies market caps grow more 401ks and other companies such as that buy MFs or ETFs keep pumping money into their market caps causing the disparity of growth to continue. This is how they get so large in market caps causing people to be reliant on them continuing to grow at such rapid paces. A fund like VT is market caps causing people weighted so it helps lower the amount that gets loaded into their market caps Mag 7. Will Mag 7 fail? Maybe, maybe not. But if I don’t need 20% annual return to retire then why risk investing in something with such a concentration that might turn into an Intel dud over the ages? Diversify for 10-14% annual return and much less stress on my end. Win win.
I might go with just one, AOA. Global stocks + 20% bonds. If not that, then VT plus maybe a little bit of BOND, FBND, or VPLS.
You could just go with VT which is the whole market with a little less mag 7 exposure.
QQQ is like 10% Nvidia, VT is like 4%, so my average is roughly 7% Nvidia. Same story with Microsoft.
3 is not enough for total diversification unfortunately but gun to my head $VT Total Diversification plus international 70% here $COWG Tech diversification away from mag 7 15% here $COWZ Stable company diversification 15% here
Do it. I would just do a world ETF like VT.
A proper crash is when your stocks reach a level you though was not possible anymore. TSLA below 100, NVDIA at 30, Bitcoin 20k, VT at 80 etc..
Not Financial advice, but VT. Total world stock. Shields you from most USA fuckery if it gets bad
In this case Yes. That's way too concentrated. You need something to balance it out. You won't be happy when the S&P dips 20%. That's nearly half your value and you will be right back here asking when to sell. Now in something like VT or AVGE, 49% isn't bad because of the massive stock diversification. So if the S&P dips 20%, you would barely feel it if at all.
Follow the /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics For what to invest in: Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk 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 equals less risk. 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. In work provided plans, you'll likely only have a short list to pick from, your options for some areas (such as large US usually) may be better than for other roles. In these cases, some people ignore those areas where they have poor find to pick from in the work account and compensate elsewhere (like extra heavy on international in IRA or taxable for example).
I would recommend VT actually
VT COST GOOGL US and EU defense & aerospace ETFs. Next gen battery tech like AMPX BTC
Go with VT or S&P500… buying just 1 single asset such as gold is alot more risky, specially at the possible peak of that asset which have recently given abnormal performance and usually consolidate or pull back after that which take decades
VT and chill muh boy
How long before you need the $300k/year? There is no reason to focus on dividends. Back in the days when there were commissions on stock purchases and sales it could have made good sense, but now those are no cost transactions. Focus on a total return strategy and just sell when you need money. Something like a total world index (VT) or a total US (VTI) plus a total international (VXUS) if you want to control the ratio. ETFs named are examples, not recommendations.
28M, I have my 401k matched, roth ira the boring VOO, VT portfolios but I wanted advice on my brokerage stock portfolio. Holdings: Please advice any holdings I should add. I added companies that I believe can't be replaced in the long term for what they do and are diversified around the world. Cash: 27% QQQ: 18% GOOGL: 13% META: 9% MSFT: 9% BRK-B: 8% TSM: 6% ASML: 5% MELI: 5%
The fact that you think share price means anything tells me you should just buy VT.
Are you going to receive one time $300k or it will be given to you every year? Same question about $100k from grandparents trust? If this is one time thing, then you can invest in stocks and bonds portfolio, preferably 50:50. For stocks you can just use VOO and VT. For bonds you can just use something like VGSH and VGIT.
If you're successful trading it, just take 50% of the wins and put them in VT. Keep doing that until you go to $0 then re-evaluate and see if its worthwhile starting again by withdrawing some of those profits from the other 50% or if it's time to employ a new strategy.
Nice work building an ESG portfolio with actual conviction. Here's what to watch: **Liquidity concerns:** Yes, niche ETFs have wider bid-ask spreads (0.2-0.5% vs 0.05% for VT). BUT you're young and long-term focused. This only matters if you panic-sell during crashes. **Test:** Check TradingView for EPA vs TDG spreads during March 2020. If spread stayed <1%, you're fine. **EPA vs TDG strategy:** Smart diversification. DEGIRO's exchange fees matter more than liquidity differences between Paris and Frankfurt. **Math:** If DEGIRO charges €2.50 per trade regardless of exchange, EPA vs TDG doesn't matter. If they charge % fees differently, run the numbers. **Active stewardship premium:** BNP Paribas and Amundi vote at AGMs and engage management. This creates 0.1-0.3% annual drag vs passive screeners. **Is it worth it?** If ESG alignment helps you hold through -40% drawdowns, yes. If you'd sell anyway, save the fees. **What you're missing:** 1. **Tracking error:** Min TE (Minimum Tracking Error) ETFs sacrifice ESG purity for performance. Check if this aligns with your values. 2. **Geographic concentration:** 10% Europe ESG might duplicate world exposure (Europe is \~15% of MSCI World anyway).
thinking i'm gonna' put $10,000 into ETFs with 80% VT and 20% BND... eh?
Buy $VT every 2 weeks for the rest of your life and STFU
WSBs, which should I go with : VOO, VT, or VTI? Boogle heads are recommending VT.. but idk. I got full faith is the good ol US
If you just bought VOO or VT, you would be up almost 20%. People don't want to make money, they want the thrill of losing money.
28M, I have my 401k matched, roth ira the boring VOO, VT portfolios but I wanted advice on my brokerage stock portfolio. Holdings: Please advice any holdings I should add. I added companies that I believe can't be replaced in the long term for what they do. Cash: 27% QQQ: 18% GOOGL: 13% META: 9% MSFT: 9% BRK-B: 8% TSM: 6% ASML: 5% MELI: 5%
No dude. Stop that shit. Sell all your MSTR and just buy VT to shield yourself from your own damn ignorance
Priorities: /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk 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 equals less risk. 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.
100% VT for maximum global stock diversification with a very low expense ratio. (Or 60-65% VTI + 35-40% VXUS in a taxable account, equivalent to VT but you can claim the foreign tax credit on your taxes.) Follow the [financial order of operations](https://www.bogleheads.org/wiki/Prioritizing_investments). Head over to r/Bogleheads and read the side bar (touch the sub name at the top on mobile). There are a lot of great resources there to learn from!
You started with 180k. You now have 231k. That is not bad. Put it all in VTI or VT and spend time with your family.
inb4 "that's trading not investing" some real advice: If you stop \*Watching Nasdaq plummet from the open\*, it's easier to remain calm\* to truly r/Investing properly, we buy VT, tell our emotions to STFU, and do something else
Here are the big ones from Vanguard: Total World (VT), US (VTI), ex-US (VXUS), Developed markets ex-US (VEA), Emerging Markets (VWO). If you want to get really in the weeds, I believe that Dimensional and Avantis are worth the small increase in expense ratios for some small factor tilting, profitability screening, etc, so I incorporate several of their funds. DFUS, DFAW, DFAI, DFAE are Dimentional's equivalents to those Vanguard options I listed
World is not baked into VTI. VTI tracks the US market, that means no international exposure. VT tracks world, and global all cap.
Wouldn’t VTI already include the world? Someone would still pair VXUS with it? I know VT is super broad with 10k holdings but VT being a slimmer 3.5k holdings. I was going to go with VT (keep existing voo) but was thinking going forward just VTI for a one stop shop (no VXUS as I believe world is baked in already with VTI) as long term total returns was far better than VT. (Obligatory past performance guarantee and all).
This. VT, or VXUS to complement VTI (or variations of these two in combination according to VT's ratios). If you want to tilt you can to VXUS but market cap easier.
>The S&P 500 naturally will become overweighted in the strongest performing sectors. Investors who want more diversification can go with VT or VTI or similar funds. Which is the answer, or an answer, to my original question. You got there eventually...
The S&P 500 naturally will become overweighted in the strongest performing sectors. Investors who want more diversification can go with VT or VTI or similar funds. Valuation of the Mag 7 (TSLA aside) are not as outrageous as people make it seem.
The market isn't rigged. You're just gambling with it. And if its bumming you out you shouldnt be gambling. If you want to make money stop buying options and just invest in a broad index fund like VT. Dont let the internet fool you into believing in get rich quick schemes. They dont work.
They call you exit liquidity. Stick to VT.
Start with 1 bln in a fund you manage. Then in 2008, get lucky, despite holding your shorts too long, and grow it to 10 bln. Proceed to lose 9 bln over next 15 years. Bet 1bln on shorting tech stocks Loss 300 million Retire with 700 million Just buy VT and chill
I didn't say that, did I? The *only* stock I mentioned (and do not own outside VT/VWCE) was for a joke, and it was the exact the opposite of "buy my stock": > ~~NVDA to the moon~~ *Please crash so I can buy cheap H100 servers.*
An idea I heard in the 1990s: (a) If under $100,000, try for "home runs". Try any strategy. This can save a lot of time compared to buy & hold VOO for 50 years. (b) Once over $100,000, switch to safety (e.g. VOO, SPY, VT). Modified idea: (b) Or go 50% safe, 50% risky. Or 90% safe, 10% risky. \- To adjust for inflation, use $200,000.
VT - I think international might outperform and there could be some asset rotation due heightened tech valuations. BTC preferably in an ETF in a Roth IRA. Buy heavily into the bear market.
I use VT personally since it’s market cap weighted and I have a handful of other ETFs that offer true diversification. I’m not uninvested in NVDA and MAG 7 but the amount of people that don’t realize they are over-leveraged in them is scary.
So buy VT over the next year of two instead of VOO; got it
VT or 80% VTI/20% VYMI (or some similar allocation).
VT and BNDW - allocate according to your time horizon. Anything else is just gambling.
In my “fun money” brokerage account for learning and investing, a big part of my outperformance above S&P500/Nasdaq this year was rotating away from US equities in April and reinvesting in VXUS, BND, and several international and domestic high dividend vanguard ETFs with DRIP to stack gains during chop and sideways market. Recently I’ve entered positions in GLDM and VGMPX for precious metal and mining exposure, and I have a smaller position in VT to not totally miss US market performance. I’ve made decent profits with coreweave puts and SQQQ calls. I haven’t touched my longer term portfolio that I put money from selling a company into a bunch of broadly diversified Dimensional ETFs, or my 401k rollover IRA, which is in a bunch of annuities that track the Russell 2000 and SPY with downside protection.
VTI and VXUS Or just VT
or just get VT and keep it simple.
why S&P20 and S&P500 separately? IDK the exact weights but something like 25% of your S&P500 fund is the top 20. You're already covered lol. NASDAQ in there feels redundant too. At your age I wouldn't allocate anything to dividends. Have equities and some in bonds. Debatable, but I would consider physical gold over an ETF, given the use case of gold extends into the "not being able to access financial markets" territory. I'm not saying everyone should have gold, but I'm saying if you're gonna have it, physical is better. I'd just stick with a 3 fund portfolio and call it a day. Hell, buy VT and BNDW and you can have a 2 fund portfolio. Maybe throw a REIT in there if you want some real estate exposure, I like SCHH.
I would do either 100% VT or 75% VTI/25% VYMI depending on my mood :)
If the money is strictly for retirement. I would be 15% Growth, 15% Small cap, 30% s&p, 40% international. You can add bonds later in life. You can either pick etfs or mutual funds to get to these percentages or just go with VTSAX, VOO VT, VXUS. If you want to set it and forget it you can do a target retierment fund that has a glidepath with more bonds as you get closer. We don't have your debt, income or if you own a home, married, kids and longevity. Also need your expenses and emergency fund amount. (This information is for entertainment purposes only, see a qualified fee only advisor for more specific advise) Watch for fund expenses and fees as well. Look for funds that have less than a .30 % expense ratio, go with passive vs actively managed too.
first, your advisor is motivated to make money for himself, not for you. best for you is usually something simple, e.g., certain percentages of equities and bonds. engage a fee-only advisor for guidance. such a person receives a flat fee and does not profit from your selected investments. [https://www.napfa.org/](https://www.napfa.org/) second, you hold $1M and you're going to Reddit for free advice. pay an advisor to guide you in this important decision. third, the best strategy is a simple one that you can understand. your advisor is happy to flummox you with opaque schemes when something like VT + bonds is both elegant and cheap. all three of the above points lead to the same conclusion: see a professional who does not profit from your choices. good luck.
Yeah you’d probably have to be high to come to this conclusion. Did you see VT movement
What the actual fuck is VT doing
A couple of things that you might want to know more about to refine your concerns here. First - "Mutual funds" contain a lot of different things. They could be short-term debt, international, small company, bonds, etc. So, some precision in language might be beneficial there. Second - Yes, the SP500 are the largest US stocks by market cap, but that's still 500 companies. Also - the index is not static. It changes based on winners and losers, and losers drop out. The reason why funds \*like\* SPY and VOO are chosen is because they are a) well diversified, and b) have a historical track record that leads many to believe they are safer over the long-term. Nothing says you have to invest in those specific funds. In face, there are probably better ones that are broader and include many small and mid companies, in additional to global ones (VT is a good example)
would going long/short with dji/r2k provide sufficient leverage to beat unlevered VT
some of yall are very unwell and completely unfit for trading put it all in VT and never login again
25% gold, 25% real estate, 25% bonds, 25% stocks.. or just VT and chill...
Is a 50% VT and 50% QQQM portfolio good for life?
FNDB and FNDX are weighted by fundamentals (sales, profits, dividends, etc.) rather than market cap. Top holdings are still AAPL and MSFT but tech overall I think is 19% in FNDB vs 30-40% in VOO. 90% of my Roth is in VT and FNDB.
Sure. I mean you have almost 2 years of cash which will smooth over any crazy bear markets coming our way. (Hopefully sitting in a high-yield savings account or a money-market fund). 100% equities is *probably* too much for me to handle when I retire, but there's absolutely nothing 'wrong' with it. Are your index funds (the British equivalent of) VOO, VXUS, VT, etc?
I actually underweigh the US (being an EU citizen living in Switzerland, I have some VGK, and also Swiss investments in my pension fund), and have ~25% of my money on EUR gov bonds, because I'm over-exposed to AI (working in the field and all), so I made sure to have *less* exposure to AI stocks than someone going 100% VT or VOO... but you know better I suppose. And since you have an account with your real name on it, it makes perfect sense to expect others to use their main accounts for posts that could give away the company they work at, right? And *obviously* it's not worth speaking about the points raised, but just about the account age. Right? And people should obviously trust you, when you hide all your Reddit history, when mine is fully open and people can actually check what I post / comment and where? **Oh, wait, none of these is true**.
Whats the point of all this if you are just (smartly) investing in VT? Isnt this a waste of time?
The lesson is...diversify. VT and chill
They keep buying 80% VOO, 10% VT, and 10% AAPL like they have since 2010 and think they're a genius
> the question is, are their profitability meets the market expectations That I cannot answer, and deliberate tried to avoid it in my post and comments, and don't even want to given I'm an "almost blind VT" investor. But great opportunity for the consultants I joked at the expense of to get back at me! > it will becomes a commodity market. In a commodity market, the company with the lowest price wins and the profit margins collapse to zero. Yes, I absolutely agree, and I totally forgot to mention commoditization through open-weights models (and other ways). I do think most of the profits are in cloud providers offering these models, and that's also why I think AI startups *might* survive this, since they're building their own infrastructure, and why I conditioned that upon competition slowing down (fifth point). Regarding... > Personally, I don’t think bigger general language model is the way to go, but highly specialized, accurate small models that able to run on a local machine is the future. *Are you influenced by a certain Nvidia paper that was made to sell more GPUs to those who would otherwise have gone with a cloud model?* Jokes aside, yes, I think a lot of tasks can be delegated to small, fine-tuned models that are part of wider systems and may perform better than large generic models. In my job we have plenty of <10B fine-tuned models deployed (one of them for a website with ~100M monthly visits!), and based on the research metrics, they perform better (quality/acceptance rate, inference cost) than their lower-grade cloud model counterparts (Haiku, Flash, Mini, ...). Not to mention all the other (often older) products that are still using some model built on fastText, OpenNMT, sklearn, or similar. The part I'm not sure about is whether it's easier/faster/cheaper to do the required engineering and research work (especially factoring in development costs and project success rate), or if the time is better spent on architecture research and quick experimentation with generic API. Maybe in "the bitter lesson" sense? And one final thing: even smaller models can benefit from cloud deployments, at least for now. Maybe the RTX 7070 Ti Super will be a power efficiency monster with 48 GB of VRAM, or the M8 chips from Apple with have 10x the prefill performance of M3/M4, but right now even running the 30B-A3B Qwen models can be several times faster on 1-2 generation old big cloud machines than on expensive current-gen local hardware, not to mention throughput, electricity, etc.
A lot of people here are hypocrites. What happened to not timing the market? I joined this community early this year and over the course of not even a year the narrative has basically been: "Best investment advice is to stay on course" "VOO and chill boys😎" *Tarrif hits* "I'm moving half of my portfolio onto international" "VT and chill boys 😎"
Too many funds with too much overlap. VT + one of the more aggressive funds (IOO or SPMO) to hedge growth.
Yes the bogglehead subreddit is allergic to taxable investments. Taxable isn't that bad if your investments are already tax efficient (VOO, VT, VXUS are for instance). You also want taxable if you want to do Roth conversions later. They step up in basis in inheritance. Also capital gains is already lower than income taxes. Having Trad IRA/Roth AND taxable gives you a lot of options when tax rates changes or you get hit with RMDs. One example of the conflict is things like 529 where you can end up overfunding them and it would have been better to use taxable. I do agree though that tax optimization may be the only true alpha you can get that isn't just luck, so it's worth optimizing. I don't even think maxing out all accounts is right for everyone. Flexibility has a huge value and there's no one answer for everyone.
401k in VT, that should never be checked.
I've stopped VTI and done VT and some other ex-US ETFs.
basically any advice on reddit outside of few select subs is VT and chill or some sort. Theres literally no point of having countless finance subreddits lmao