VT
Vanguard Total World Stock Index Fund ETF Shares
Mentions (24Hr)
-25.00% Today
Reddit Posts
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
if you go to the boglehead sub even VOO and chill is considered aggressive they want VT + bonds and chill
Index funds like VT, VTI, VOO, etc. give you actual diversified exposure to markets. I buy some random stocks on occasion but with no real degree of confidence. I don’t pitch stock tips.
I used to be so stressed with the stock market. Snd then I started being coached on it. I still have a decent size spec account I can trade with, for risky shit, but 90% of my cash just gets DCA’d into VOO and VT. And I’ll be damned, it’s fucking working lol. No more panicking and thinking I’m Gordan Gekko.
The point of my comment was to compare tax implications. You're saying buying individual stocks is inherently gambling, which would be equally true in a taxable account or a Roth IRA. My 403b is 100% in a target date retirement fund and my Roth IRA is 80% in VT, so I'm not really worried about gambling away my retirement. Do you agree that, assuming I'm going to swing trade individual stocks, it'd be better to do so in a Roth IRA than a taxable account?
You’re gonna want some VXUS for international exposure, and maybe VO and VB for small and mid-cap stocks. Simplest way would be VTI or VT to get exposure to all of it. Maybe avoid SCHD, especially in a Roth and since you’re so young. The returns even with dividends re-invested will seriously underperform growth ETFs. SCHG would be a better option, but there would be overlap with VOO. If you’re not gonna touch it until 59.5, lump sum and forget about it. Dollar cost average in if you want, but remember time in the market beats timing the market.
50% draw down shouldn't trigger a margin call since VT would likely need 25% maintenance margin. A 50% draw down would only double your relative margin and still leave you with $100k excess liquidity.
Best advice is to buy an ETF like VT (world) or VTI (USA), not an individual stock.
What's actually creative about it though if a broad index already has all those buckets? Like you can buy all these different things and think you're doing something, but in reality you've just re-created VT.
Hi, I don’t know if you can invest in US ETFs like SCHD which is popular for dividends. Anyway, I asked ChatGPT how much you need to invest to get a $500 (not even EUROS) per month dividend. SCHD had a 3.75% yield. The answer is $160,000. I met a Cypriot banker who works in London. He said his investments is in an all-world FTSE. In the US, we have a Vanguard ETF called VT that invests in all the markets of the world. Anyway, I asked ChatGPT: is there an equivalent etf in slovakia equivalent to vanguard vt? Answer: Yes — there are European / UCITS ETFs that are very close equivalents of Vanguard VT (which gives global equity exposure). If you’re investing from Slovakia, these are probably your best alternatives, since they are domiciled in Ireland or EU-friendly places, trade on EU exchanges, etc.
Great position to be in; if social security and pensions exceed expenses, you can take practically whatever risk profile you like. Of that $200k you could just put it all on VT and call it a day. Or some split of VTI and VXUS. Like what's the purpose and intention of breaking down into defensive versus tech versus growth? What specifically is that extra farting around accomplishing over just buying into a broader index?
Bizarre thing to say when VT and VXUS have outperformed SPY so far YTD. One of the reasons for holding different categories of things is they don't move in perfect synchronization. International stock does better when the dollar moves weaker relative to foreign currencies, which has been the story so far this year. Also, VT has 9.5% annual returns since inception, not 5%. (Worse than SPY's 13.55% over the same timespan, to be sure, but accuracy matters.)
People on r/Bogleheads will justify their 5% annual returns holding VT and VXUS by saying "everyone is a genius in a bull market" and "past performance isn't indicative of future returns" and then argue that international has to outperform because it underperformed this decade, and outperformed in the 60s. LMAO
You are right and I am not implying that, just pointing out my thesis was they were trading below their book value and the geopolitical environment was conducive to them being a winner. I was lucky that that played out the way I thought it would, because they could have languished until bankruptcy, and they still might. I am happy to share my losses too, I bought First Republic when it was in freefall because I gauged they had a strong enough balance sheet that they'd have the ability to withstand the shorts and ultimately be either backstopped or acquired. Turns out when they were acquired it wiped existing shareholders out and I lost effectively my entire investment. Personally I am only risking 5% of my portfolio in different stocks and VT for everything else, but I like value investing and find speculating on these scenarios to be fun.
You can move the account to a brokerage without insuring taxes. I use fidelity. All you have to do is contact them provide them with he account number for the american express account number and fill outcome forms and they will mov the acount to fidelity. >I guess I realize I lost money by not putting it in stocks and by inflation. I just don't know what to do. IT is important to realize your fear of risk is is not based on your experience with your investments but your fear of not knowing what will happen. In most cases the fear is a lot larger than actual risk. In my IRA I have a bond fundFAGIX that ear a steady 5% yield but I also have JAAA 6%yield, CLOZ 8%, UTG6.3%, UTF 7%, PFFA 8%. All of these investments produce cash payments into your account regardless of what the share price will do.The share pirice may go down but the cash will still be deposited quarterly. Generally people like you do better with these investments. Now you can add up to 7000 a year into an individual IRA. I strongly suggest you do this every month. Over time as you get more failure with these funds your fear will drop. Some higher yields can be achieved with slightly more risk with funds like PBDC 9% yield, SPYI 11%. And you could put some money in VT. All of these do hold stocks. Start out small first and gradually increase the ammount. in them.
Had some unanticipated expenses so nothing, but will go back to buying 95% VT 5% BNDW in a month or two regardless of market conditions.
Try VXUS. This truly is all companies outside the US. If you try VT it has almost 62 percent US stocks. So it's better if you just want to auto balance with international exposure. But if you already hold US stock then VXUS will give 100 percent international exposure for every dollar you invest.
VT, that is how. Whole world and self balances.
There's nothing to learn. It is all patience, and ignoring the noise. You buy VTI/VOO/VT or whatever. You buy the diversified fund. Don't go chasing/trying to chase the next NVDA or PLTR.
Then you can simply leave that fund off. There's even a one-fund option, VT, which combines US and ex-US stocks for you, so you can put everything into that and be done.
Buy $1294 in VT and delete my password lol
I wouldn't get more than one S&P 500 index fund but you might diversify with an international fund like VT or small cap value fund. BRK b is kind of like an ETF and would be another avenue towards some diversification and is priced very well right now. The S&P 500 is overvalued right now so I wouldn't put all your eggs in that one basket.
Know what's in your 401K, what's available, and why your investing in it. Pull up charts of the tickers and google every term you don't know. I use a Boglehead investment philosophy which uses total market funds that are weight by market cap. Common ETFs are VT, VTI, and VXUS.
I’m not talking about the portfolio, I’m talking about where the funds are domiciled. For example VT (global) or VXUS (ex-US) are still US-domiciled funds. Think of it this way: the IRS wants their tax money, and if your funds leave the US they wouldn’t get their tax money. So the only way the IRS is okay with this money leaving the US is for you to sell the funds, pay the taxes, *then* transfer the cash
The idea is that you keep buying more VT until you retire. Or you could keep blowing it all (both your portfolio and me behind the Wendy’s)
Why even bother. If you dump it into VT, it'll "compound" to about $6-8k in 30 years. Might as well pull your money out and have the world's best Wendy's binge. WSB is regarded but so is boomer investing if you can't do basic math
What is VT ? It sounds like Vũng Tàu 😊
Buy VT and retire from trading
Ken fisher books are great. Or just buy VT
>How much should I keep liquid (just a couple months of expenses, or more)? This is a personal decision. It is recommended that your emergency fund be any where from 3-12 months worth of expenses. The more uncertain you feel your job, health status is, the larger this should be. I personally believe in having a staggered approach to your emergency fund. There's the portion of your emergency fund that is there for same day, oh \*\*\*\*, I need money right now to pay for some emergency. That amount should be in a checking account or HYSA. The remaining portion that you feel comfortable having access to not same day can go in a money market fund. >For investing, is the rule of thumb just to go with broad index funds (VTI/VOO, etc.), or should I be thinking about something more specific? The lazy, I don't have time or don't want to think about it approach, would be to put it in VOO or VTI or VT, or a different ETF that offers something comparable. It gives you built in diversification to spread risk. If you want to spread risk more, I'd suggest reading up on the [Boglehead three fund portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) theory. >If you were me, what would you likely do? My approach to allocations is to have a 5%/25%/70% allocation split, with 5% being in a money market fund, and the remainder split between a fund like VOO and a fund like VIPIX. The more (un)certain I am with the market I'll adjust out of or into VOO more. But that's my personal approach. For you all I will say is, given your income level, you should be focusing on maxing out pre-tax options before contributing to post-tax accounts. Income of $250k puts you in the 24% or 32% tax brackets so you're getting into the upper brackets. As such you most likely will benefit more from reducing taxes now in favor of potentially having lower taxes in retirement, unless you expect your taxes in retirement to not be lower.
Because stocks don't always go up, they can go down too. Especially highly concentrated ones as you'd find in QQQ comapred to VT/VTI.
Learn Boglehead investing and the ETFs, VT,VTI, and VXUS.
Vanguard’s VEA is actually “international” which is defined as “non-US”, while IShares ACWI is truly global large-mid cap (at 0.32% ER). Vanguard has their all-cap global etf VT at 0.06%, while State Street has a less popular all-cap global SPGM at 0.09% that’s more concentrated than VT but usually has better returns (price and dividend). I’d love ACWI at a VT expense ratio, but one reason it’s more expensive reportedly is it tracks its index better = attracts traders. Now iShares URTH is global developed, so it will invest in an index with the US, Europe, Japan and other long term capitalists countries, but leave off China, India, and smaller recent capitalistic coin. It does have some stocks that support the emerging mkts but are domiciled in the U.S. ~ less than 1% last I checked. Vanguard’s VEA is all caps developed ex-US with a cheap er but their VEU is all world ex-US large-middle cap with still some small-cap stocks. Another possibility if wanting to leave off China, India, etc.. but keeping South Korea is Schwab’s SCHF at just a tad more er for a large to mid-cap etf. There’s VXUS or IXUS with more small caps, but personally having only 100 mostly U.S. stocks in QQQ vs 3,400 to 4,400 in IXUS or VXUS kind of seems unbalanced to me (but YMMV). Also Fidelity offers an all-cap version of QQQ with the symbol ONEC.
Roth IRA, VT and chill. Be the market, have some built in diversification. Just VOO is not that great of a strategy IMO. Dead simple is VT and choose a percentage of any income you make to put towards it. With fractional shares nowadays it’s so much easier. Also keep in mind that even if you do things like mow lawn, stuff like that, as long as you keep records of it, say in a spreadsheet, you can put money into the Roth from that as well.
VT > VTI Unless we get another China level economy on the rise foreign markets are probably safe to avoid.
Had you just followed a simple boglehead three-fund strategy, you'd be up by quite a lot of money this year. I hate to break it to you, but you're not that smart. You won't beat the market in the long run. Cut your losses and dump everything into VT for now, and start learning about the merits of investing vs gambling
Thanks for sharing. I 100% agree that this really is a strategy that would trap people into long-term effort. Value factor, especially leaning onto small cap value, seems to require long-term holding and investing to combat short-term negative tracking error. I do see people quitting this strategy because of the huge deviation they see in short term when comparing it with market performance (such as VTI or VT). Thanks again for providing your opinions on this topic.
I third this, although long holding VOO, VTI, VT hasn't changed.
How much money you have saved. You probably need VT.
Bro you're 19. Options=gambling invest in just VOO or VT. Finish school or your career path first. You're ahead of your peers atm.
The US is 60+% of the total by market cap. VT is 63.4% US. https://investor.vanguard.com/investment-products/etfs/profile/vt MSCI ACWI is 64.6% US. https://www.msci.com/documents/10199/8d97d244-4685-4200-a24c-3e2942e3adeb
If you’re in it for the long term; - VOO: US market - VT: 60% US, 40% international - VXUS: 100% international Play with options and penny stocks, only with money you’re willing to lose
I wouldn't gamble with options. If you want to save for retirement a Roth IRA is your best vehicle given the tax advantages. Can do VOO/qqq, or VT if you want to be conservative. If you want to invest and not have the money tied up bc u want to use it in 10 years then probably just a brokerage acc with the above ETFs.
Can you compare your returns to VT?
It depends, but you wouldn't cut them out just because they missed one trade where you would have made more money. Timing the market/individual stock picking is just gambling, and the overwhelming long term odds are that you and your investor won't be able to beat the market over time. If moving the money means that you'll just excessively tinker with your portfolio or try to time the market, that's not better. If you have been with them for 14 years, there may be a lot of gains and tax considerations of moving the money. I.e., if some of the funds are with exclusive mutual funds or private funds where you couldn't transfer-in-kind (without selling) to another brokerage, you may want to just leave it where it is. Moving forward, I would just put new deposits towards buying low-cost index funds on your own (just buy VT). If you want to stock pick, keep it to 5% of your portfolio.
Yes, exactly. Now the most popular ETF for this is VT, Vanguard's total stock market fund. But I would actually suggest a newer one AVGE from Avantis. They do a couple of nice things to get you a little more return 1) Vanguard rigidly follows an index and announces their trades ahead of time, so they get frontrun by hedge funds. Avantis keeps their intentions a secret until after they make a move 2) Avantis screens out small, unprofitable companies which tend to be leeches on global investment capital anyway 3) Slight value tilt helps mitigate bubbles and get you higher return because of that
LOL, that $3k was a free loan to the Government. If you had done your taxes correctly and invested that amount in VT, you would have an easy $3.5k. Dummy.
VT because I’m not a moron and have better things to do with my time like comment on these dumb posts
This is why /r/bogleheads only buy VT (I prefer a custom mix of VOO and VXUS).
Ive been going back and forth on this as well. I have about 3 yrs until I stop working. My Bucket 1 is fully funded by my mil retirement which covers all monthly expenses and with a $1700 a month positive delta. Bucket 2 will be funded when I redistribute (2) 401ks. Right now Im looking at VOO, VTI, VT and SCHD. Bucket 3 is my Roth IRA and some precious metals. The IRA contains three bonds which have a yield of between 4.3% - 7.4%, as well as some REITS, International and Small/Mid cap ETFs.
Join me on the VTI or VT and chill train. Index and ignore, then find some hobbies not involving trading.
>How do I navigate if recession hits General advice is not to invest more than you’re willing to leave in the market for a minimum of 5 years. Diversification also helps. VT is total world stock market and captures every publicly traded company on the planet. Alternatively you could go VTI/VOO + VXUS to control your exposure to US and International independently. BNDW is total world bond market. Alternatively you could go BND + BNX to control your exposure to US and International independently. Recommend doing some reading on r/bogleheads
Could be 15% up if you just bought VT
At 26, your Roth IRA is actually one of your most powerful retirement tools. Even though the $7k annual limit feels small now, compounded over 30–40 years it can grow into hundreds of thousands of dollars. Because growth inside a Roth is tax-free, most people use it for higher-return, equity-heavy investments rather than conservative ones. If you already own something broad like VT in other accounts, you might consider leaning more aggressive in your Roth (like S&P 500, total market, or growth ETFs). The key is making sure it still fits your overall portfolio. Treating the Roth as “funny money” is risky since that tax-free growth space is valuable, but being aggressive with it makes sense at your age.
Can a lower MER ever realistically justify foreign withholding tax? For example, VEQT has an MER of 0.24%. While VT has a much lower MER, Canadians are usually recommended to hold VEQT because of the additional foreign withholding tax that would be levied on dividends. Can a super low MER ever justify tax withholding inefficiency?
I max my wife and I backdoor roth every year. We have over 100k already. It’s all invested in VTI, VT and VXUS. 90% of that is just the 7k per year. We are late 20s and early 30s for reference. It’s going to be substantial by retirement
If you don't know a thing about investing and want to invest in stocks then step 1 is to open a brokerage account (ideally a retirement account with some kind of tax advantages, like an IRA or Roth IRA if you live in the US). I'm not familiar with other countries, but stick with whatever passes for the big trusted brokers wherever you live like Fidelity, Vanguard, Schwab, or Merill. The last thing you want is for some Chinese fintech startup to abscond with your retirement money. Stocks and funds composed of multiple stocks all go by "tickers," or abbreviations. It's generally agreed that you won't go wrong putting your money in large diversified stock funds like VOO (largest 500 US companies) or VT (entire world stock index). Most of their value over time will come from a rising market value if you choose to sell your shares back to the market. If you'd prefer something more like a second salary (income) instead then you may prefer something like SCHD (which focuses on companies with larger payouts) or VIG (which focuses on companies which grow their payouts more over time). Many people say you should also diversify into assets besides stocks, so putting some of your investing money (maybe 10% or less if you're under 30 and up to 50% if you're in your 50s or later) in a bond fund like BNDW is worth considering. Overall this will invest your money in a wide variety of assets so that you can receive an average profit based on their performance over time. Don't use money you think you might need in the next 5 years to invest in stocks. Prices will fluctuate unpredictably and selling when prices are low because you suddenly need the money is how you lose a lot of money forever. You may hear about "diversification," which is protecting your investments from bad luck by owning lots of different things. Each of these funds has hundreds of unique assets in it so owning just one or two of the funds is plenty of diversification. It's very difficult to get a better return than the market average you'll get from one of these funds, but it is possible if you work hard and have a knack for investing in individual companies. If you think you might enjoy learning about it and want to try beating the average you can start with books like One Up on Wall Street and Beating the Street by Peter Lynch. He was one of the best investors of the last hundred years and his approach is very common sense. Start with just a few companies you think might excel with just 1 or 2% of your money in each. You'll make a lot of mistakes at first and it's better to lose 1 or 2% than 10 or 20%. You'll also get a lot of benefit from a more numbers-based approach, which you can start learning about in a book like The Intelligent Investor by Benjamin Graham or Aswath Damodaran's corporate finance and asset valuation courses on YouTube. After you've invested 10-30 companies over the course of 5 or 10 years and finished several of those books and courses you'll know for sure if you're cut out for individual stock investing or should stick to the large diversified funds.
You can do both. 80% VT. 20% into what you feel is higher risk/reward and with in your tolerance
This is how I do it. Heavy research to find a stock that has the potential to 2x or more in a year, without a too much downside risk. All in on said stock. Then later, I'll switch to VOO and VT to de-risk.
Formatting tip, if you add two rows (hit enter twice), it will start a new paragraph and makes your holdings easier to read: Roth IRA: 100% VT Employer Simple IRA: 100% SPIAX HSA: 100% FZROX Brokerage: SOFI, HIMS, NVO, VTI
if you plan on holding until retirement, put all 7k into the market now (time in market and lump sum investing generally beats timing the market or dollar cost averaging). As far as investing into what.... start browsing here, r/ETFs and r/Bogleheads . You can start simple; everything in VT (100% stocks spread over the world). At 31 you don't really needs bonds, but if you want to be more conservative go ahead and put in 5 or 10% if you're scared of market volatility. You can be aggressive and choose broad sector ETFs that have higher reward for higher risk, such as SCHG (growth), VOO (top 500 largest stocks), QQQM (tech), AVUV (small cap value), and some combination of the above to mimic a full market.
Can a lower MER ever realistically justify foreign withholding tax? For example, VEQT has an MER of 0.24%. While VT has a much lower MER, Canadians are usually recommended to hold VEQT because of the additional foreign withholding tax that would be levied on dividends. Can a super low MER ever justify tax withholding inefficiency?
I'm newer to investing. For my kids, I set up accounts that are: 50% VOO 10% BRK B 25% VXUS 15% AVUV 1. Am I really overcomplicating and better to just do VT? I like the addition of AVUV that gives me the small cap VALUE 2. If I keep this format, why is Berkshire so bad? Yes it's a single stock but operates almost like an accumulating ETF without the management fees. Not as my main stock but something to give additional broad market access. 3. Again, if I keep this format, any reason to want VEU instead of VXUS? 4. What else am I missing? I just keep having this sinking feeling that I'm screwing up their future 😞😞
Just do 100% VT and don't worry about it. Max every year you can, and look at it in 40 years. At 22 you don't need bonds.
>but others say "Holding too much of your portfolio in one investment, even a diversified one, can leave you overexposed to risk. This does not really make sense , most target date funds do not hold "One investment" they hold usually some mix of USA stocks , foreign stocks , bonds This is not "One investment" it may be one mutual fund but it holds all sorts of different investments Its perfectly fine to invest in one fund as long as the fund is diversified like a target date fund is. Fore example take two portfolios 1 . VT 2. Split between VTI , VOO, QQQ, SCHG, SCHD , SPLG, IVV, VYM what one is more diversified , 1 2. holds a bunch of overlapping funds that concentrate on USA large cap stocks, just holding a bunch of funds is not diversification , you have to look at what the underlying funds hold VT is a world index fund that holds almost every public company on earth, 2 is a bunch of funds that only hold USA companies and concentrated on large cap companies. 2 is actually less diversified despite holding a bunch of funds
One million in VT right off the bat. Quarter mil in bitcoin. The rest in property.
Assuming no tax. I make a rolling 5 year Treasury ladder that throws off, say, 20k/year for me, and then whatever is left over,I buy VT in taxable brokerage account. I wouldn't quit my current job either; will take a few months to figure out in more detail what to do. If I decide to keep working, the 20k helps front-load a Roth IRA at the beginning of the year (am I still eligible for Roth IRA? something to look into.)
Not really enough information here. That's a very short timeframe, I will say, if this advisor is charging you 1% and then planning to just throw you into a cookie cutter "growth fund account" and not provide any actual advice then they're not worth it. You can easily just buy VT on your own which is just the total world market index ETF and not worry about it in the long term.
Subreddits are full of different groups of people with different opinions. If you watch a single subreddit long enough you'll notice the same message that was buried one day is suddenly the top post on a different day. It's not that the subreddits opinion has changed, but maybe the community that is in rotation at that time is different. Use Subreddit comments and post to get a general "read the room" from people willing to share, and the rare occasional sincere individual that is actually sharing the deeply complex mental process for how they came to a conclusion that they did. When half the posts are "VTI/VT and Chill" you know you are talking to sheep that aren't putting effort into their posts and are regurgitating things that made them feel good. Slogans for the average fool that just wants a simple answer with no nuance.
You‘re a prime candidate for VT and chill. If you don‘t know anything, don‘t buy single stocks at all..
Probably VT or VTI+VXUS given how high the PE ratio of US stocks are right now.
SCHF looks like a international ex-US developed fund, and doesn't include ex-US emerging markets holdings (Taiwan, China, etc) Two low cost funds would be VTI or ITOT, (total US, SCHB is pretty close) and VXUS or IXUS (total international, including developed, emerging, and frontier markets). Or a single low cost fund with both US and ex-US would be VT or SPGM.
Any particular reason to do VTI+VXUS instead of just VT?
Of course anytime! I made a LOT of research on them. And I do like SCHD for dividends and being steady in price. I like VOO because it’s too companies in the United States and really good growth Potential continue to grow always. Then VT is basically the same but it’s Globally so I have an ETF for the States and one that’s internationally also which will continuously grow. And lastly I just added recently is SPMO I started looking into. Also great return as you can see and growth throughout the last 5-10 years. Great for me in my case to start at young and just make weekly occurring investments in all of them. I’m barely turning 23 so I really wanted to figure out by 25 what I really want to invest my money in and where I can see it growing for the next 35 years until I turn 60 and take it all out tax free and live my live with no regrets.
VT. VOO is US only. You want international exposure.
Your entire portfolio only needs SCHD, VOO, VT and if you want SPMO
You can put $7,000 each into an IRA each year. Research which makes more sense for your situation (Traditional or Roth) and $14,000 should be earmarked for that this year. S&P500 (VOO), or something even more diversified like VTI or VT.
VT is nice. I have some German defense stocks, but be careful going too hard into those
Thanks, this is also on my mind as I have made some bucks in my VT (Vanguard Total World Stock Index Fund ETF) Would a VT for QQQ be a good guess? All Boats rise in a incoming tide, so I only risk a few percentage points..
The worst time to hold cash is at the bottom of a crash. The best time is right before a crash. If you're convinced that current stock market looks more like the former, then you're right that holding cash probably doesn't make sense. If you don't want to play market timing games and can commit not touching your stock investments for 10+ years, the prudent thing to do is buying a well diversified stock index fund (such as VTI for all-US, or even better VT for all-world). That strategy delivered pretty good and relatively predictable returns over the long run historically. Buying individual sectors like tech (or worse, individual companies) is much less predictable. Could turn out better, could turn out (much) worse.
i thought if you set a VTI/VXUS portfolio to the same split as VT it will keep the same ratio over time as US vs. international weight changes in tandem
Then don't own 100% US. VT (or VTI+VXUS). Now you own the global market.
People have been making posts like this for the entire multi-year bull run we’re on and they’ve always been wrong. The S&P could easily double again before we see a significant drop. Pick a broad index fund and make regular buys, that’s all you need to do. If you don’t want to be all in the US buy VT.