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
IWM and VT flushed down, oddly enough SPY has hit $7000 and is completely out of the dump from Iran even though the situation doesn't seems to be resolved. Volume on MSOS remains shit.
Indeed. As long as you aren’t chasing meme funds (single stocks or etf’s) and actually diversify across VOO/VT or sector ETF’s that actually matter (and not stupid meme’s) then you will likely be fine.
Not only is this NOT new... its recently been the opposite... since trump took office, the international trade over the last year or 2 has been beating the US market quite well. Either way... if you feel the US will outperform then go 70% US... but then realize VT (a total market fund) already does this for you. You'll be US tilted with important international exposure
I fell over. Then I fell into the Boglehead hole. It’s really nice. VT and chill
VTI and VT nearing all time highs. Paycheck DCA indeed
Seriously.. I'm fairly new to investing (~3 years) and i still can't gauge stocks. Keeping a 70% VT portfolio helps me sleep at night, though!
Wut? What do you think will be my "learning experience" if I invest in VT?
I’m over here buying VT on margin
I am reading “Single best investment” (written 20+ years ago by someone who was in their mid career in the 70’s). The book advocates for individual stocks that pay dividends. Backtesting a sample portfolio in that book yields worse results than even dropping money into just SCHD - with a few companies having gone defunct. VOO and QQQ buy and hold squash that sample portfolio listed in the book. While the basics of investing HAVEN’T changed - the vehicles, methods, and players have. Now days ETF’s are the normal, and retail investors can buy and sell on a whim on their own with no real cost to execute a trade. Placing money into VOO is a pretty safe bet since it offers automatic diversification. Add in VT and you have world diversification. 20 years ago you would have been holding 20 different stocks @ $20 per trade for a minimum of $1000 per trade (with a few days lag time) rather than 1 or 2 ETF’s with $0 trade fees and near instant execution from your sofa. The game has indeed changed and is different than Warren Buffet could have imagined.
The purpose of DCA is a long term viewpoint and you’re over analyzing a short term viewpoint. Keep DCAing into VT which is a set and forget ETF anywho
The transports used to always predict recessions before as well. The transports didn't lead to a recession this time. You're prolly right on the USA being much less dependent on Crude Oil in 2026 than 90's & 2000's recessions. We all have our own trading strategy. I'm usually too pessimistic. But being bearish in 2025 did me no good. BTD on $VXUS, $VT, $EWJ, and $GLD did work very well this time. I'll stick to my DXY devaluation trade. If $SPY hits new ATH's my positions should still outperform cash. Good Luck.
6 months of expenses in a HIgh Yield Savings Account or because of your California state taxes probably US T-Bills, the rest into a broad based Index fund like VT.
You should never listen to anyone on reddit for financial advice. We are all gambling addicts. But this repatriation of foreign capital out of the USA back to their home countries/economies has me rethinking the need to hold $TLT. I'm now moving towards 50% (World ex US) $VXUS, $EWJ , $VPL, 25% $VT (World plus US since these ETF are very overweight US stocks anyway), 15% $GLD, and 10% US dividend stocks. I've unfortunately been around boomers too long, who despite growing up entitled w/ a silver spoon in their mouth, were right about dividends & cashflows. What good are buybacks over dividends if you fave AI cap ex hyperscaler decided to spent all their cashflows buying their stock back at market tops before then deciding to spend all their cashflows on AI cap ex w/o ever giving a shit about their shareholders?? Good Luck.
VT. The whole idea is that the market is efficient (‘everything is priced in’). So instead of trying to *beat* the market, you simply *join* the market. VT gets you a piece of literally every publicly traded stock in the world. As long as the world economy continues growing over the long term (it will), then it’s impossible to lose if you can refrain from finger fucking your portfolio. You will not get rich fast with this method but you will absolutely get rich if you’re patient enough. Meanwhile most people actively trading will still be poor 20 years from now whining about how the market is rigged.
The best thing you can do is learn a lesson here. If you believe in these stocks long term you shouldn’t have sold. If I were you I’d just buy a broad index like VT and never sell.
$VXUS, $VT, $GLD, $EWJ. I'm not as bullish as you are on either AI or the $SPY. I decided to cast a much wider fishing net when BTD the last 2 weeks in March. But I'm also not an idiot that's in love w/ cash when bears are cheering higher crude oil prices not making the connection that cash is the worse position to hold with higher crude oil prices.
$VXUS, $VT, $EWJ, $GLD. When markets are selling off like they were at the end of March, I try not to pretend that I am smarter than I am & that I know which stocks are a buy. I just buy entire world indices, entire country indices, and gold. I don't need to die a hero.
Hello, I’m 31yo American still living with my parents and plan on either buying a condo or moving into an apartment in the next few years, but unsure. I have 180k in savings, but recently my hours were cut at work and i might only make 40k this year. I’m tired of seeing the market go up while my money sits in sgov. I recently decided to take risk and dropped 100k on SPYI, 20k on VT, and 15k on FMTM. If I were to rent when I move out I think SPYI would be a good pick for income. Do you think I’m taking too much risk?
Stagflation hasn't been priced in yet. But the market is hedging that possibility w/ Gold. I think that's where we are headed thou until world CB's turn on those money printers to go Brrrrrrrrrr I'm just making sure I am hedging & also buying World Stocks ex-US & Gold along with my $VT and US stock buys.
You already are there bro. You’re spending lots of your free time planning on how to gamble your money (and losing). Start putting your money into VT and don’t look back.
Dawg…. Your investments over the last 20 years - one of the longest bull runs in history more or less - and your portfolio has been stagnant/down??? Just put it all in VT and don’t look at it
Get a vanguard roth. Go all VT. Read simple path to wealth.
VT plus BND and you're done the entire planet's equities and a bond cushion in two tickers.
i only sold 50% of my bonds to buy VT in April 2025... in hindsight i should have full ported into 3x nasdaq but the TACO term wasn't invented yet...
I don't know if this post will result in an echo chamber or not but I 100% agree with you. There is a disconnection between what I think is going on the ground and oil futures. Compared to 2-3 weeks ago, what has changed? Oil traded at the same price, VT was lower, traffic through the strait was probably higher. Now there is no traffic as far as I am aware. China might be entering the engagement in a more meaningful way. Iran is doubling down on their demands. Make no mistake. The US could win against Iran militarily. But it would be a Pyrrhic victory and one that I believe would be a pivotal moment in the decline of America. The Iranians know this. Their single goal is to cause as much pain as possible and they just happen to be located next to a major artery of the world economy. I do not think blockades or dropping bombs will cause this engagement to end in the short term. I believe that the resolve of the IRGC is greater than what the market is pricing in. This is the moment Iran has been preparing for for decades, not a weekend, in contrast to the Trump admin. The SPR release is expected to end June-July. We are already mid April. So that leaves us maybe 2 months? The oil shock is already starting to build however. Multiple airlines today alone have announced that they are cutting routes (e.g., RyanAir, United Airlines). Friday's CPI announcement was through the roof but "below market expectations" so stonks only go up. Tweets and TACOs can only hide the oil deficit for so long.
Yeah definitely don’t listen to this, go $VT
Mid last week I was close to unloading XLE and buying some MSFT at $368. Didn't because I felt like this cease fire was BS. Sold a bunch of VT Friday betting peace talks would implode Everything happened the way I thought. Yet XLE has bled out every day, and MSFT and VT are printing today I'm done with this market. Just sold my entire brokerage acct portfolio and moved it to my HYSA
Touch grass pal, this isn't r/politics. Don't give a shit about a presidency that has less than 3 years. Tell me, what's the 5-year return on VXUS vs VT? (25% vs 43%, thanks to the US market). VOO is 63%
RH, get gold, max ROTH. All in VT
There’s a lot of overlap between these ETFs. Some people already suggested VT which is a great option to simplify all of this into one fund (minus the bonds). What’s your reason for the bond ETFs in there? Lower risk appetite? Shorter time horizon? I’d bring VTI and VXUS as alternatives to VT if you ever feel you want to have more flexibility over regional allocation between US and International. Here’s how those two look like in 70/30: https://insightfol.io/en/portfolios/report/6c1ebd63fa/
What do you mean by "reflect the market"? You have like 3 broad US market funds, 3 dividend funds, 2 bond funds, and 1 international fund. If you want to reflect the cap weighted investable equity market, then 100% VT is an infinitely better approximation than this. How much you want in bonds should be a reflection of your tolerance for volatility, not an attempt to "reflect" the bond market.
Why not just buy a total market fund like VT?
All this just to underperform a broad market index. I'll fix and simplify for you: VT 100%
No, I don’t play around with my Roth and 401k which is fully in VT + 10% AVUV and a target date fund respectively. I only buy individual stocks in my Taxable and HSA. My Taxable is 25% IVV too, so I am referring to selling some of that 25% to fund my above direct picks.
Lots of really hardcore religious groups came from the northeast in the 19th century. Aside from Smith from VT, Mary Baker Eddy (Christian science) came from NH, and William Miller (SDA) came from upstate New York on the VT border. And that’s just the big surviving ones. There were a bunch of others who didn’t make it. The same force that led to the weird splinter groups in the 1800s also led to the bulk of the population become chill Congregationalist Unitarians and then in the 20th century becoming secular. There definitely was some movement of people but there still is a very sizable population of pilgrim’s descendants - they’re just all secular
1. Why not ask for their historical performance after fees first? What makes you think they can outperform the market? Why choose them over someone else? 2. VT and chill. You've essentially just picked the largest stocks in the S&P. This is VOO with extra steps.
VT and chill for me.
This is exactly how they behave, you should inform yourself better: [https://www.google.com/finance/quote/VT:NYSEARCA?sa=X&ved=2ahUKEwimv6aSoOiTAxX2hv0HHfg5N\_EQ3ecFKAN6BAghEAQ&window=MAX](https://www.google.com/finance/quote/VT:NYSEARCA?sa=X&ved=2ahUKEwimv6aSoOiTAxX2hv0HHfg5N_EQ3ecFKAN6BAghEAQ&window=MAX)
You could do a lot worse than putting 80% into VT (Vanguard Total World Stock ETF) and 20% into BND (Vanguard Total Bond Index ETF). This assumes you are not planning to spend this money soon but will be leaving it indefinitely in the funds. Get a copy of the book I Will Teach You To Be Rich from a library and read it. It's fairly short, pretty entertaining (no, really!), and if you can absorb and apply even 1/4 of what he writes, you'll be ahead of probably 90% of your peers and even people much older.
Because they buy IPO’s very early compared to even spy. I’ve mostly been adding VT since last April and I’ll likely flip most of my Vti into Vt. We have at least a few months. We don’t want to own space x or open ai.. open ai is really a dumpster fire and that’s a huge reason Microsoft is under so much pressure. https://youtu.be/6a9L-3Hiobs Cheers! Why VTI usually gets IPOs earlier VTI tracks the CRSP US Total Market Index, which: Includes nearly the entire investable U.S. market Adds IPOs once they meet basic liquidity + float requirements Often brings them in at the next quarterly rebalance (sometimes sooner for big names) 👉 Result: IPOs can enter VTI within weeks to a couple months.
VT and chill. Pretty simple.
Not a professional financial advisor. I’m assuming it’s a truly legit question, so I’ll give you a truly legit answer. You do not seem like the type of person who is going to spend most of your life studying markets and business nor do you seem like the type of person, once you have this footing to use, that will read through company reports well enough to make better choice than the majority of people who do it for a living. Therefore, you should not try to beat “the market”. Instead, just buy index funds like Voo, VTI, VXUS, or if you want the whole enchilada in one, VT. There are many other low cost options on top of those. By far, most people under perform the market long term. You very likely are not the exception.
Nobody charges for VT, including Fidelity. It's an ETF. VTSAX, a mutual fund, that's another story.
Schwab doesn't charge a transaction fee for VT? That would be nice. I know Fidelity charges a fee for Vanguard funds, so I assumed Schwab did as well.
I'm up over 8% on $VXUS and $EWJ, and over 6% on $GLD and $VT since buying the bottom 5-10 days ago? And these are indices and not stocks. We are way overdo for a pullback. Just wait until this place turns bearish again and buy & add more. There's no reason to chase here. The 200 DMA has been a great buy indicator for World plus US and World ex US ETF's. Buying $GLD when gold pulls back to $4400-$4600 has been a good buy indicator as well. I've been spending a little money here & there & buying this pullback in AT\&T; but I'm sticking w/ 90% EFT's. I'm not smart enough to pick the winners in this crazy market. Don't get too bearish, but also don't get too greedy.
To be clear, I wasn't suggesting that you use Fidelity funds. I was just giving examples based on them. Schwab probably has similar ones. You can buy ETFs like VT at Schwab without issue. There's no need to switch. Only non-native mutual funds typically have a fee.
VTI is US only. VT is the entire world.
For historical reasons, I'm in a Schwab account. I guess I could switch to Vanguard and go VT, but I've liked Schwab's customer service. Does Schwab have an equivalent to VT? My first search turned up total US, not total world
This is why I just do VT. I don’t want to have to think about it.
I just VT and chill. It goes up, I buy. It goes down, I buy. I buy twice a month
Waiting for next paycheck to come in before I tangle with $SPY 0DTE options. Until then I stay the course: 50% buying $SPY, 40% buying $VT, 10% buying BTC for mostly long term stability with a tinge of regardation
My bad typo'd VT - yeah VT is definitely the way to go IMO.
All word is VT. VTI is still just US.
I bought about 5k worth awhile back when it was like $420. Just bought another 5k at $368. I don't think I'll buy anymore, but figured I'd average down a bit Yeah I think it'll do pretty well long term. Would I have been better off just putting it in VT? Maybe but I don't mind having a small MSFT holding.
I was voo for decades. Did well. Started going 100 percent VT for all future contribtions in the accounts that I can, and swapped out voo for vt if it was not a taxable event.
14% over what time scale? VT has done better than that over the last 12 months and takes no skill
Me, a ber, looking in the mirror this week https://media0.giphy.com/media/v1.Y2lkPTZjMDliOTUydHVmaW9veGtobzA0bnR0bWR6eGFydG1pcHAwemcwbnU3ODVvZHA1OCZlcD12MV9naWZzX3NlYXJjaCZjdD1n/gb6TyakSW7F3mKx6VT/200w.gif
I’ve beaten S&P but it’s just because I was lucky enough that I picked VGT 10 years ago lol. I almost picked VDC instead. Nowadays I’ve just switched to VT
97% VT shares and 3% USO calls until I feel inspired again
I wasn't trying to imply that selling is wrong or bad; as you point out the tax implication is the same. For me if you go the VT route, you then have to have a plan for when to sell. Do you do that once a year? quarterly? what if the market is down when that time comes? Sure, you can come up with a plan and do your best to stick to it, but that adds more of a psychological risk to me.
VT has a pretty small div distribution, so it would mean selling to get the money you need. So you would need to figure out when and how often you wanted to sell. With a dividend portfolio, you can structure it so that the DIV payments are coming in every quarter (or monthly even) and you can just have them go to your MM account instead of reinvesting them. This would lead to less selling (usually). > And if you notice im trying to highlight you get more money to live with the index fund approach Why do you get more from VT? even in a DIV portfolio you will have price appreciation and you aren't prevented from selling.
Question for everyone in here, what is the actual difference of just owning say VT and taking off 8 percent a year vs owning dividend stocks and taking your 3-4 percent in payments? Isn't it just psychological that you "get paid" instead of living off the growth of a stable total market etf? And if you notice im trying to highlight you get more money to live with the index fund approach
Speaking as a VT person, I don't find VT to be completely safe. You can't fight when someone can change the index tomorrow. What are you going to do?
I’ve always preached diversification but yes a lot of people are all in VOO rather than VT, I have no worries for my own portfolio
Buy some beer & listen to some good music. Then I would go 50/50 and buy 50% $VXUS and 50% $VT. You made a decision so lets use that decision to diversify to 50% World ex-US and 50% World plus US. You made a move so you might as well make a change. This should keep you away from a possible wash sale flag as well.
I panicked sold my VT stock for +2.5% after seeing Iran closing it lol As long as in green my hands are weak as fuck
Dude, nobody has any fucking idea and anyone that says they know for sure is lying. Just buy the dip and VT and chill
Some in cash, some in 2 year bills, and a small part that you are willing to risk in VT.
https://www.composer.trade/etf-comparisons/VT-SPY Ex usa/smallcap outperformance has been staggering last 6-12 months tbh. Enough for VT to massively outperform spy. Though it did get hit harder from the oil shock. Now it got a bigger bounce than spy though. Dxy may also turn to toilet paper if oil gets cheaper again.
Real chads buy VT and soak up the collective efforts of the entire planet with one fund
Zoom out and just buy VT shares.
You not only lost the $130k, but you also lost what that money would have made had you just parked it in VT. Stop doing what you;really doing. You're not good at it. Join r/bogleheads and start invest smartly not dumbly.
How is it mooning? Because VT is up 2%? lmaooooo I did buy some individual stocks that are up 10-15% the past two days, but yeah I still have 250k waiting for deploy into individual stocks
keep an emergency fund and whatever you need for day-to-day in a HYSA. Start investing 15-25% of every paycheck into a well diversified ETF. (Either S&P 500 or VT to capture global diversification)
What is it actually invested in? What fund? A basic global portfolio like VT would have had like 120% return since then. Even a very conservative 60/40 fund like VBIAX would have returned 56% To get only a 39% return, you had to be in a pretty dog shit portfolio. Are you paying an advisor? Super high fees could account for some of this.
VT closing green 4 hours before Trump might wipe out Iran lol
Clearly you know how to save, since you had 10k. Just buy VT
Honestly for me since I’m invested in Vanguards TDF in my 403b I don’t mind it since my job doesn’t offer a match so I’ll just throw money into it and just forget about it. I’ll just focus mostly on my Roth IRA which is invested in VT and taxable that has VTI and VXUS.
I timed the bottom in $VXUS. That was my biggest BTD. I bought at $74.45 and $75.39, both around 200 DMA. I'm more bullish World ex-US than World plus US. But I figured I need exposure to US stocks as well hence buying $VT and $IGV last week.
I entered a position at $135 when the 50 week SMA was breached 2 weeks ago. I'm entering slowly, but I suspect there is a reasonable chance it get breached again. I know VT is above the 200 day SMA as of now, but SPY and QQQ really gotta break above the 200 for any real bullish momentum. We shall see.
Well I opened a position into $VT at $139. I'm trusting the 200 DMA will continue to act as support. The world plus US market charts look a helluva a lot better than the $SPY. Hopefully the US markets catch up. Until they do I will be overweight World ex-US & Gold.
I'm looking at the daily and weekly for VT and in no way is there any indication that a inverse head and shoulder is forming. I'm saying this as an investor in VT.
You may be right, but $VT did bounce off it's 200 DMA once again today. I just added $VT to my port as well and I am done. My port is where I want it to be. If you look at the charts for the whole world markets ($VT) vs just USA markets ($SPY & $QQQ) ; you could make the call that the bottom is in. We have already bottomed & retested & bounced on $VXUS (world ex-US). We are all gambling here at the end of the day. I could be wrong. But I see a reverse head & shoulders pattern forming on $VT (world plus US). I'm ignoring the $SPY and $QQQ here and looking at the bigger world picture.
>!Dollar cost average into VT or VXUS/VTI and chill, seriously.!<
Is this the day my port gets halved? Even if I'm holding 100% VT and Chill???
If he did what you said he would do it would be ideal such as buying VT and only looking at your portfolio occasionally. Or buying 90% VT and 10% BND.
That sub is basically “buy VT and chill” anything outside that framework tends to get shut down fast
That sub is basically “buy VT and chill” anything outside that framework tends to get shut down fast