VT

Timp2003

Profit and loss (PNL) is irrelevant to decide whether or not you should sell. Ask yourself if you had enough cash to buy 25 shares of Tesla, would you buy Tesla or VTI/VOO? - You have your answer there. VTI/VOO have a total expense ratio (TER) of 0.03% opposed to SPY with 0.09% on top of that VTI includes small caps. One thing that you exclude is international markets, which you could do with $VEU (Large+mid cap) or $VXUS (All caps). Alternatively you can buy VT and be at market cap weight 60/40. You exclude bonds aswell, they can help reduce volatility and are interesting closer to retirement. Adding funds from whenever you have funds is not a great idea for consistency, opt for setting aside a fixed amount monthly (e.g. $300) and if possible even automating it, auto transfer from bank to broker and auto buying shares.

SirGlass

>However, many financial experts are quite sour on index funds Who are these financial experts? One thought experiment to think about is this ,lets say index funds were "outlawed" , and one had to either invest in individual stocks or active managed funds of some sort . Would that actually change anything? Because for the most part in aggregate investors would still roughly allocate their money in a very similar fashion as broad based index funds do. I guess taken to the extreme if 100% of people just invested in VT, there would be little price discovery , stocks would rise and fall in unison , but that is an absurd scenario that will never happen. Even index investors may allocate their funds differently Some may allocate to growth other to value others may be overweight in large or small cap , or some may favor USA based stocks others may favor ex usa based stocks It really does not take that much volume to have price discovery , if a company has 1,000,000 shares and 999,000 of the shares are just locked up where the owners do not buy or sell, well the 1000 shares that trade hands will set the price of the stock

leaning_on_a_wheel

If you pick broad index funds and have a time horizon in the decades risk is minimal. VT for example will only be worth less by the time you’re retired if we see a serious societal collapse, in which case retirement investments won’t be front of mind

ZealousTran

VT. I always buy VT no matter if it's up or down

defenistrat3d

You want the highest, safest total return. That is growth + dividends from a broad market index fund like VT.

defenistrat3d

Low fee target date index fund. Or 90/10 VT/VGLT

GaylrdFocker

>could be a good buying opportunity. Not really. Your funds have probably gone down as much as VT has, so it will be a wash. It will probably make little difference in the long run so just do 100% TDF or 100% VT for now. >please any advice on how to stop always checking my portfolio even when I’m not adding funds? Self control

katastrafia88

You take that 85k and sock all of it into voo or VT(i) instead. Do not touch it. The ROI on money you shouldn't be touching til at least 59.5yo would be better than cashing out, paying taxes and fees. Whatever your mortgage payment is, make sure that it goes to principle then interest. Squeeze out more from your budget to put more into the principle amount. You'll pay less in interest over time and pay off the whole loan faster, without screwing up retirement..

Ok_Assignment4100

I was thinking of just investing $150k into VT and let it compound over a 30-35 year period, no more contributions whatsoever and with the rate at 7% (thinking market won’t dip below that). I see I’d at least get $1.6M. Is this a solid plan?

NastyNate88

That’s the generally accepted best practice after maxing out your tax advantaged accounts. Just set your brokerage to automatically buy VT every month + reinvest dividends. Then delete the app for a few decades and live your life ☺️

Spirited-Meringue829

I'm sticking with VT. Best of all worlds: if small caps go up you'll benefit as you own some. If money starts going into relatively cheaper foreign stocks, you benefit too. If things stay as-is, you'll benefit. Essentially you are investing in the fact people are investing, period. Don't worry about the rotation -- they are 100% impossible to predict. As long as money is being spent to invest in markets you benefit with VT.

jomarca23

Thinking of selling all my VT stocks and buy TLT and XLU. Reason is the upcoming lowering of interest rates that should help TLT and XLU to overperform. On top, equity markets are due for a correction since they seem overvalued. Macro environment starts to look quite bit more pessimistic and corporate profits start to be under pressure. Would you mind list any reasons why my move may be wrong?

Boogerhead1

Just going to keep VT and chilling.

Pixileyes

SPY and VOO are the same holdings. MSFT and NVDA are included in the above. Most likely extreme overlap with the other ETFS. [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) If you only want USA just buy VTI. Some world exposure VT. Personally I'm mostly in VT with a play in 1 equity named PHAT. Once PHAT hits my magic number all of it goes back into VT.

software__guy

Bought some NVDIA today to average down and some VT which is one of my core holdings

bshaman1993

Just do VOO/VT if you want to do long term investing.

Trash_RS3_Bot

Dude who lump sum’d 100k into VT this week is sweatin

OppressorOppressed

yeah, maybe that 25% in VT should be VXUS?

Jolly-Victory441

I'm not averse to overweighting US but wtf is the point of VT if not your attempt to diversify but then you do it with something that >50% is what you already have.

Historical_Ebb_7777

25 % voo , 25 %qqqm , 25 %Nvidia, 25 %VT . Any thoughts and opinions I’m 19 years old I just invested 20k total so 5k each in all of them. I have a long time investing horizon like 20-30 years. I’m only 19 years and I maxed my Roth this is all my taxable brokerage. Any thoughts and ideas. I’m in the long run since I’m 19 and new to investing so would like thoughts from the gurus

paragonx29

Yup I know about that - but it's hazy to me: you could argue 3 are MF's and don't exactly fall under the same categorization. VT is different than IXUS in my mind because of the 60/40 U.S/international split. That is one of the reasons VT has become a bit more attractive to me - because I want some international exposure, but maybe not 100% like IXUS.

orangesherbet0

money for yr 0-1: 100% high yield FDIC account money for yr 1-3: 100% BNDW money for yr 3-6: 20% VT, 80% BNDW. money for yr 6-10: 40% VT, 60% BNDW. money for yr 10+: 90% VT, 10% EDV. And I guess, redo this every 2-5 years.

DurdenTyler2020

> Also would it be smarter to wait on that and just put money into VOO right now while it’s down? It's [futile to try to time the market](https://www.whitecoatinvestor.com/should-i-try-to-time-the-market-friday-qa/). You want to always be owning it. When you are in the accumulation phase, you should be rejoicing when the market is down (assuming you can keep your job during the chaos). Having said that, you can do better than VOO from a diversification standpoint. It's lacking extended market U.S. stocks and EX-U.S. stocks. A single ETF solution would be VT. If you are determined to keep VOO, add some VXF and VXUS. (Approximately 50% VOO, 10% VXF, 40% VXUS basically gets you global market cap weighting as of today.) But really, just go with VT and focus on plugging as much money into it as you can while you are young.

Angry-for-no-reasons

Ew VT

poopy_wizard132

I sold half of my portfolio on Friday. 50% VT / 50 % High Interest Savings Account Buckle up buckeroos.

givemeyourbiscuitplz

Other major indexes that don't overlap with the S&P500 would be international like FTSE or MSCI Developed countries and FTSE or MSCI Emerging markets. In the US it would the small cap and mid cap index. When you sont know what you're doing, diversification is a protection, and a globally diversified portfolio has performed better than every major index in the past 50 years. So I would go the passive index etf road with just one fund: VT. Visit the Boglehead sub for lots of resources on index passive investing.

HotAspect8894

Do it. Max out your Roth IRA in either VT VTI or VOO. Forget about it for a while. You’ll watch the magic happen. Always reinvest dividends.

RDSne

I'm new to investing and trying to figure out my portfolio. For now, I settled on investing my HSA and Roth IRA into a target date index fund (I'm too lazy to manage my investments, and hopefully I wouldn't need to withdraw from these accounts any time soon), while investing all of my cash (around 100k) into VT. From my research so far, 60% FZROX and 40% FZILX seem like the closest match to VT. If I understand it correctly, the only difference between VT and Fidelity equivalent is the expense ratio. Would you recommend investing directly into VT or using one of the equivalents? What are the pros and cons of both? I'd like to save some money, but I'm also a lazy investor, so I would prefer dealing with as little hassle as possible. Let me know what you think! Thanks!

stoked_7

Keep it simple, all in one fund like VT or VTI is the way.

skilliard7

Holding individual stocks is significantly riskier than holding a diversified fund, especially if you are a beginner that doesn't fully understand how to read a balance sheet, earnings report, annual report, etc. If you're just investing a couple hundred dollars its not really a big deal, but if you're investing a large sum of money that you're afraid to lose, I'd recommend diversified etfs like VT.

Vaun_X

VT or VOO and chill are perfectly valid options. I've been biased internationally / small cap for a couple decades and it has its moments, but I'd have been better off just buying the S&P. Past performance...

JellyfishCosmonaut

VOO, which tracks the S&P 500 index has a lower expense ratio than SPY, the actual index. The other Vanguard stocks like VOE and VT also have low expense ratios.

LongjumpingGood5977

If u invest $500/mo into VT until you’re 65 years old you’re guaranteed to retire a millionaire.

manyouzhe

VOO, VTI or VT. Automated and forget about it. Revisit in 10y.

lw1785

Sorry...one other thing. In a taxable account there could be some foreign tax credit implications that make you want to hold a mix of VTI and VXUS instead of VT. I don't worry much as I basically invest and leave it alone ...but might be worth some additional research depending on your plan.

lw1785

That advice sounds good for a basic strategy. VOO would get you the S&P 500 while VT would add some international exposure. I personally prefer VT due to the diversity. I do hold VTI/VXUS in my taxable account. You can research foreign tax credits to see if this is a better option for you.

next_phase2

VOO or VT are both great options. Your friends are right and either or both are fantastic options

lw1785

If you already have that Fidelity acct set up for your stock grants I'd personally use a taxable brokerage acct there. That way if you sell your company stock you can still manage everything together. That's how I do mine...and fidelity is a great platform. Assuming you're not looking to access those funds for a big purchase in the short term I'd invest it in an ETF. The easiest would be to just invest in VT. Even though it's 1 ETF it tracks the world market so you are extremely diversified. I personally have a combo of VTI/VXUS/QQQM from when I started that I don't sell because of taxes...but new fund I just put in VT.

RandolphE6

If you are comfortable with a 60/40 allocation, then simplifying it to VT is the way. That single fund holds 9,840 stocks. It is as diversified as you can get. When it comes to building a portfolio, more =/= better.

RandolphE6

VT - entire stock market (60/40 split of US/international). This is the basis for the equity portion of target date retirement funds. VTI/VXUS - if you want to do something different than 60/40 split. Many opt for less international portion because it has been underperforming the past decade+. It is unknown when it will start outperforming again but it is cyclical. Fidelity is one of the best brokerages. There is no need to switch.

JellyfishCosmonaut

DON'T DO IT CHARLIE, DON'T DO IT Those folks have far more money they can afford to lose. We regular folks who aren't millionaires should stick mainly to buying indices/ETFs like VOO, SCHD, and VT until we have enough money we are willing to potentially part with. Individual stocks are far riskier than ETFs. Earn income from your job, invest regularly in indices and ETFs, and consider bandwagoning later.

Argothaught

Depending on risk tolerance, you may consider SCHG, VOO, VTI, or VT. From SCHG, a fund focused on high growth stocks with a good bit of the accompanying volatility, to VT, a much more diverse world stock fund, there are likely a number of index funds (the aforementioned being of the ETF variety, which trade intraday and function more like traditional stocks) to suit your current needs.

repensbsndnm

Why not VT?

mdatwood

Person said 5-6 years, fine financially, no-debt, open to stocks. Also it's $100k, not that much money when talking about buying/selling houses. VT or VOO and forget about it is fine advice.

hak8or

And the person like me yelling "VT and chill" with the perpetual debate of how much diversification is actually ideal.

johannthegoatman

It's always 3-5 in VT

Vomit0nYourFace

Right. I’m assuming the options I’ve proposed are beating VOO/VTI and VT.

er824

VT is essentially every stock in the world. It’s the most diversified you can be without branching into other non stock asset classes. VOO / VTI will likely perform similarly over time. VOO has put performed recently but no one know if that will continue

Freightliner15

Choose either VT if you want a set it and forget etf with no bonds or AOA if you don't mind bonds. 1 of those 2 is all you need. If you feel that those funds have too much international exposure for your tastes, then you can use a combination of VTI and VXUS. You just decide if you want to do 70% VTI/30% VXUS, 75% VTI/ 25% VXUS, etc.

Vomit0nYourFace

Thank you. This scenario was assuming none-very little continual contributions. Are you saying you like these options minus VTI, AOA, VT, VXUS, or you would switch to only VTI, AOA, VT, and VXUS and occasional contributions?

Freightliner15

I will be honest with you. You have a few funds mixed in there that are good. The rest is absolutely unnecessary BS. Index etfs such as VTI( Total US stock) is virtually every publicly traded company in the US. VXUS( total international) is virtually everything else outside of the US. VT is all of that in 1 etf. AOA is an 80/20 combination of etfs from Ishares. 80% US and international equities and 20% bonds. It's actually a great set it and forget it long-term etf. You don't have to do anything except buy more weekly or monthly. VT difference is its not a fund of etfs but all stocks, and it doesn't hold any bonds.

1R15H1NV35T0R

Are you new to investing? Or trying to rebalance your portfolio? To me, you are overthinking this . If you're just starting out, go with SPLG/VOO/SPY/VTI/VT ( choose one ). Start here and build your position. This is not a race to pick ad many stocks as you can at once. Build your portfolio over time while rebalancing it if necessary. You can add the SCHD for a little diversify since there is little overlap with the sp500 funds . I'm a fan of BRK.B. also in my portfolio to keep a little diversity. If you want an international or emerging market fund ,pick one you have listed. I'm not a huge fan of emerging or intl , but that's me. Not discouraging you from your strategy. Imho, if you have not ,research the funds you have posted and have a reason you want to invest in them. Google "Fund Overlap Tool" . Some overlap is not bad in my opinion. If you want a bigger portfolio, maybe consider picking a few stocks after researching them and understanding the risk and rewards (appl,mst,appl,amzn,googl,nvda,etc) Keep it simple. If you want a

Vomit0nYourFace

I know, I know, but higher returns and some risk seems so tempting! Someone else suggested AOA and VT

SeriousMongoose2290

VT and chill  Source: I have about 500k in it and I chill. 

Vomit0nYourFace

VT alone seems risky and VTI and VOO give a similar, average return

er824

Pick one: VTI (Total US Market) VOO (S&P 500) VT (Total world market) Or if you want some international but want to overweight US then pick either VTI or VOO and pair it with VXUS

Freightliner15

I would suggest an all-in-one etf. AOA, VT, etc.

offmydingy

Dude holy shit lmao >ARKK Stop stop stop stop stop. Throw away all your notes, take a deep breath, and say the following sentence out loud: "If I did 100% VT, I would be okay. My return would not be massive, but I would have a return, and everything would be okay." Now start from scratch. I don't know who is telling you to do things the way you're doing them now, but they've massively overcomplicated things for you and they're getting you into shit you don't want any part of. I'm not even reading all your portfolio ideas, I look at them and just think: "WTF, this is a mess. It might do okay, some of this is fine, I haven't heard of that though... yikes, what a mess. I don't have time for this." Don't make my reaction here the day to day reality of your life.

James___G

Personally I recommend VT - it's a simple global index tracker. The US has outperformed global equities for the past couple of decades, but it won't do so forever, by buying into an index that tracks the global market you get proportional exposure to everywhere (which includes about 60% US exposure so you still get plenty of that). This means if, for example Brazil, China or India do much better than the US in future you get the benefit, and if the US continues to do well you also get the benefit. The r/Bogleheads forum is the single best guide to investing on reddit - stick to their advice and you will retire early and wealthy.

filbo132

I keep it simple...a Bogleheads 2 etf fund is all I need, VT 85% and 15% BNDW .

briggssteel

The smartest thing you can do is open a Roth IRA with Vanguard and invest in a mutual fund like VFFVX 2065 or whenever you’d like to retire. Mix that in with ETFs like VOO which Vanguard’s version of SPY, following the S&P 500 and also VT which is their version of total world stocks. Add close to the same amount every week to dollar cost average. If the market is up you can add a little less or down you can add a little more. A lot of people might tell you do day trade in this or that or invest in this company or that l, but unless you’re one of the few who are really good at it you’re going to lose money. This comes from experience of trying and failing at it, luckily not losing too much. The truth is at the market itself will gain like 8-10% over your lifetime which doesn’t sound like much until you take compounding interest into account which is why you want to invest in broad things like mutual funds and broad ETFs. If you do it consistently at your age you’ll have millions by the time you retire with minimal risk. It’s way less exciting but it’s so much smarter.

born_crisis

These responders are insane. Put your money in VTI/VT in general. ETFs should be the way to go. Stocks are very high risk to be putting all your money into.  If you want to be a little bit more risky for more gains: [look into XMHQ](https://borncrisis.com/blog/should-you-buy-xmhq-the-best-mid-cap-growth-fund/) as interest rates begin to fall.  In general, though, put 70+% into a diversified ETF. The last 30% you can fuck around with stocks if you want. Avoid penny stocks and understand the companies WELL if you buy.  If you're curious about any of [these stocks], if you vote in the poll we'll do a writeup on the top pick. 

VirtualSchedule4014

You’re an idiot dude, just DCA into VT or VTI/ VXUS and don’t over think. Hell just pick a target retirement date fund and just DCA into that. Why the hell would ChatGPT know what the future holds? What happens if the market rips for another 6 months? And you just miss all the gains? What happens if the fed continues to print over the next 1-2 years and all those “bonds” just stay flat yet equities rise? Don’t try to out “smart” the system, just pick a plan and stick to it (and not whatever this post is)

the_y_combinator

Spoiler: VT and chill.

LividChocolate4786

I'm 100% FBTC in my IRA and HSA. Also starting to allocate a decent portion to FBTC in my taxable account along with VT. Buying BTC and storing in a cold wallet still scares me, especially as I have more and more money on the line. I feel safer with the ETF not having to worry about storing 12 random words. I don't see the downside since I get the same exact price appreciation and inflation protection while having SPIC insurance. Plus I still always have the option of selling the ETF and buying the equivalent amount of BTC whenever I want.

12ebbcl

What you should be doing at this point is building up ownership in a highly diversified global ETF. Your risk profile at this point should come from plowing as much income into that ETF as you can stand and not from gambling on individual stocks. First things first - do as much of this in tax-advantaged accounts as possible. 1. Set up a Roth IRA and fully fund it every year. 2. If you're making this money through an employer that has a 401K plan, then fully fund it every year. 3. If you want to do more than that set up a brokerage account and throw some amount of money into it every month. You are incredibly unlikely to ever be *more informed* about a given security than the analyst at Vanguard or Fidelity who does nothing with their mathematics PhD but study that security all day, every day, and is on the phone with the CFO twice a week. By the time you and I hear about some event which should effect that security, it's already priced in. And here's the other thing - you don't (yet) know how to construct a properly diversified portfolio. By the time you learn how (and why) to do it, you'll realize that you shouldn't, because your expected returns *over the long run* are better off - like, *way better off* - by just taking market returns from now until eternity. Personally, I like the VT ETF and put 75% of my investment budget there. 25% goes to VTI to increase my exposure to the US market - though I am aware that local bias does not necessarily get me better results over the long run.

Gold_Government_3295

Look into ETFs like VT or VTIA if you begin a fidelity account for long term investments. I’m 20 and have had money in VT and VTI for 4 years now and it’s grown very nicely

LongVND

> It doesn't look like the US will be outperformed by the international within a 5 year period. Nobody has any idea what will happen in the next five years, and if they say they do they're selling something. > I'm considering this option for now and if there's evidence that international stocks will begin to outperform, then of course I will add them as well. What kind of evidence will you be looking for, and how will you know it's not priced in? Regardless, no, it's not a mistake to go all in on the SP500, nor is it a mistake to go all in on VT, nor is it a mistake to go all in on VTI. However, it is potentially a mistake to shift between those every 5 years because you'd likely have to pay taxes on anything you sell to rebalance. Your best bet is to pick one strategy and stick with it. Good luck.

aggthemighty

What do you mean by "better" and why do you think that? I think both are great choices and I won't pretend to know which one will do better going forward. But considering that VOO has outperformed VT in the past, curious you think VT is "better."

searchdesubfirst

When new, it’s best to seek advice BEFORE investing. Your strategy here doesn’t make any sense, especially because you are investing so little. I’d recommend doing some research (away from Reddit) and taking the opportunity to learn first. You have a lot of etf overlap and would really benefit from some education on investing first. I’d recommend doing research outside of Reddit and not just listening to the armchair experts here- but I will say that if I were in your shoes, I’d just put everything into VT or VTI or even VOO (not all three at once) and chill.

tonufan

He means the ratio of the holdings in VT and VOO are based on the size of the companies in each fund. Companies like Microsoft, Apple, Amazon, Google, and so on are so big they make up a large chunk of each fund, so they have very similar performance.

James___G

Stop looking at daily trends. Identify money you don't need for 5 or more years. Invest that much every time you get paid automatically in a low cost index tracker (Ideally VT). Forget about it for as long as you can.

PoliticsDunnRight

VT is still market cap weighted, so the vast majority is large caps and the return will look very similar a large cap index always. VT and VOO have a 10 year correlation of 0.95.

hak8or

>Thinking back to the first decade of the 21st Century, small caps and international beat the S&P by a considerable margin. Which is why diversification over long term is king, hence I would suggest to OP any anyone else posting here, to just go all into VT and chill. More diversification is to include bonds, but I know bond funds don't quite qualify as they behave differently than bonds, so I don't quite understand how to incorporate that "properly" into an investment scheme that doesn't require a bunch of manual actions periodically.

Cruian

It depends what form of total market they're asking about. VT is a total world market style fund. ITOT is only US total market style.

NationalOwl9561

Do not stick everything in VT... especially not in this current bubble-like environment. If you asked anyone if they thought the market was undervalued or reasonable low right now they'd look at you crazy. So just DCA a bit. Use the rest on yourself and do something you like (traveling, a hobby, etc.). Life is the sum of your experiences, hoarding ALL of your money is no way to live. Obviously start investing some but don't forget to live.

skilliard7

It's definitely not the worst strategy, if you stick with it you'll probably do well over a 40 year period, but there are better strategies out there. A full market fund like VT will likely be better.

Roboticus_Aquarius

Sure, all true, but small cap is a very tiny segment of the market on which to base a portfolio. Plus, you’re really mostly nibbling around the edges with these comments. My son is in VT (global), but going VTI (essentially SP500) is a very good choice also. I left out that the U.S. has stronger legal protections for an investor than the rest of the world (treated as a single entity.)

Urgazhi

VT

garcon-du-soleille

I mean, if you really want to spread your $60k around the entire world, why not just use VT, which is the Vanguard Total World Stock ETF? One and done. Boom.

Front_Expression_892

Put everything in VT and don't touch it. You aren't going to get rich, but it's the basic recommendation for most people, especially young. Notice that VT is liquid so it's doubling as emergency fund. Bonus points if you are able to utilise tax friendly account. Don't try to oversmart the market.

itsmyfirsttimegoeasy

If want to go 100% into one fund VT is the way.

Cruian

>Would it be a mistake for a young investor to go all in on SP500 or Is it a sound strategy? S&P 500 doesn't even have the best historical or expected future long term returns within the US (that goes to smaller caps, especially the value corner). S&P 500 only would be single country risk, which is an *uncompensated* risk: one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine): >Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.** >It doesn't look like the US will be outperformed by the international within a 5 year period. Favor can flip quickly and actually just about every place in the industry actually does respect the next decade or two to favor international, largely due to valuations. You can see how quickly favor can change here, notice a few cases where the best became the worst or the worst became the best: * https://www.callan.com/wp-content/uploads/2018/01/Callan-PeriodicTbl_KeyInd_2018.pdf (PDF) or https://www.callan.com/wp-content/uploads/2020/01/Classic-Periodic-Table.pdf (PDF) or the archived versions if those don't work: http://web.archive.org/web/20201212205954/https://www.callan.com/wp-content/uploads/2018/01/Callan-PeriodicTbl_KeyInd_2018.pdf (PDF) & http://web.archive.org/web/20201205183933/https://www.callan.com/wp-content/uploads/2020/01/Classic-Periodic-Table.pdf (PDF) (Archived copies from Archive.org's Wayback Machine) >To be fair, SP500 already offers some international exposure as these companies generate a good share of their revenue overseas. This is misguided. It offers zero international coverage of the type that actually matters, as it is capturing the imperfect correlation between markets of different countries that matters, not revenue source. * https://www.dimensional.com/us-en/insights/global-diversification-still-requires-international-securities - Companies will act more like the market of their home country, so foreign revenue isn't the international exposure that actually matters >I'm considering this option for now and if there's evidence that international stocks will begin to outperform Ex-US outperformance predicted over the next decade or so: * https://advisors.vanguard.com/insights/article/areinternationalequitiespoisedtotakecenterstage or the archived link if that doesn't work: https://web.archive.org/web/20210104201135/https://advisors.vanguard.com/insights/article/areinternationalequitiespoisedtotakecenterstage * https://www.morningstar.com/portfolios/experts-forecast-stock-bond-returns-2024-edition * The last decade or so of US out performance was mostly just the US getting more expensive, not US companies being much better than foreign companies: https://www.aqr.com/Insights/Perspectives/The-Long-Run-Is-Lying-to-You (click through to the full version) Could they be wrong? Sure. But you should at least read their reasoning. >So every 5 years I plan on re-evaluating this decision and switching to VT. Then you may be performance chasing, which is a common behavioral mistake and missing the opportunity to be buying low. International can currently be seen as cheap compared to the US market.

UpDown

VT 100%

oldirishfart

VT would be a better one

oldirishfart

I assume you mean VT

MikeAmerican

Do you think I should keep some in MCK, and use some to buy VOO/VTI/VT?

MikeAmerican

What are VOO/VTI/VT? Thanks!

born_crisis

I would hold. They're doing fine.  But if you're worried about risk, then sell and buy unto VOO/VTI/VT. 

anointedinliquor

Just VT. That’s it.

12ebbcl

Well, you could buy some ETF covering the total Japanese market, which is basically uncorrelated with the SP500. Or start buying a total world ETF like VT.

RedToolsRCool

S&P500 index is mostly large blend. if you want to diversify, you can add some small or mid cap funds. AVUV is popular for a SCV tilt. small cap funds like AVUV have gone up since the Large Cap funds started dropping. of you could diversify into some international funds. VXUS or similar. I use AVNV for my international exposure. I have VOO for Large Cap Blend AVUV for SCV XMHQ for mid cap (quality tilt) AVNV for international Or you could just go with an total market type fund like VT which has a bit of everything.

Munkeyslovebananas

I don't think VT has a return policy...

TickerTrend

The definition of a Black Swan event is that it’s never been seen or has happened before so you are totally caught flat footed. What you’re looking for are Grey Swan events where there’s a probability that a negative outcome (market going down). The market is littered with people that have failed miserably in market timing. It’s impossible to do on a consistent basis. Best to keep dollar cost averaging with VT and stay long. Markets rise 85 percent of the time.

Specific-Lab2675

100% VT and Chill

1-RogueOne-1

It’s not necessary to overlap investments. For example, you could have just put your money in VOO instead of also spreading it into VT, VTI. Also, you have a shit ton of money. If you do not know anything about investments, you still seem to be doing something right.

Kardlonoc

The American market and GDP generally do better than the world market. America is the leader in various fields and will remain the leader/ corps in America, which is growing domestically and internationally. So yes, I recommend VTI. VTI was my first, set-it-and-forget-it stock, and I have no regrets about the amount I invested in it with what I knew. People invest in VT/ VXSUS, etc, to diversify their portfolio further. Depending on how you view things you might want to as well. The more you learn about stocks the better decisions you can make.

usrnmz

VT is 60% VTI (US) and 40% VXUS (international). You can go: * 100% VTI * 80% VTI + 20% VXUS * 100% VT (60% VTI + 40% VXUS)

AlternativeOwn3387

i mean it wouldn't be the worst thing in the world but just tons of overlap (VT includes all of the holdings of the other ETFs. And all of VOO will be in VTI, same with SCHD). Check the overlap yourself: [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php)

skylersabitch

What if I did something like this: VOO, VTI, VT & SCHD each 25% of my IRA. Would that make sense?