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
This is why DCA (Dollar-cost-average, i.e. consistent investment) in diversified assets exists. It flattens volatility over long-term investment horizons. So yeah, you will thank yourself in 10 years and feel like a genius in 20 if you start putting a % of your paycheck into indices at 18. Key there is diversified. VT is global, would, but VOO/VXUS/Bonds (70/20/10) might make sense for you right now. Go check out r/Bogleheads maybe. It's a conservative investment style, but seems like it would suit you at this point in your life.
single digit quantity VT. Just because.
Scheduled DCA plus a small extra DCA into VT
You’d think bulls would notice the difference between a few tweets about tariffs and the world missing 10% of its most inelastic commodity, for the first time in history (1973 crisis was closer to 7-8%). But keep saying buy the dip. I moved 15% of my 95% equities portfolio which has been VT and chill to cash three weeks ago. Been investing 15 years and know enough that yes this time is indeed different and can’t be solved without an agreement or destruction of the Iranians, neither which is likely for half a year.
My returns over the past 4-years have been on par with VT. I’m well diversified with a slant towards value/dividends. Probably an 80/20 allocation.
Bogleheads jerks it to VTI and nothing else. They may switch it up to VT here an there just keep their arousal going. 7% a year compounded over 40 years and you might be able to work part time.
For once, I’m glad I pussied out and bought VT. Losses are not nearly as bad as they could’ve been
I buy VT to hedge against this retard and he finds a way to fuck Europe harder than us
I don't want to be mean or rude. I understand money and " loss" of money means different thing to different folks. Emergency fund should be 3 months expenses in a savings account. If you are young , after that in your roth/tfsa put the 7k into a total equity index fund and chill. In the states it's VT and in canada its veqt/xeqt. If you are doing options/swing trading/individual holding it should be around 5 percent of total assets max. This gives you some "fun" at the Sametime you are being responsible
VTI + VXUS, or VT if you want one ETF
I'm buying the world w USD during a USD short squeeze. It's been the American Way for decades. Why BTD in American stocks when you can BTD on entire countries. I will mostly be DCA into $VXUS and $VT when US stocks get cheaper.
Well, the good news is that I decided to VT and chill. The bad news is that I’m down
Buy VT/VXUS or VT betting on sectors typically ends in disasters
23y/o newbie seeking advice I have been working hard for 2 years, saved about 60k to invest in the stock market the start of this year. My portfolio is: 60% VT 15% AVGO 15% CRWD 10% NU At that time I thought it is a well-balanced portfolio with exposure to industry that I am personally familiar with. Next thing I know - SaaS burst, War started, Claude threatening Cybersecurity. All of my selections were down, with NU and CRWD down more than -15% YTD. I just can’t mentally switch off. Feel like my hard earned money is gone. I am think about switching to less volatile position like 60% VT 20% AVGO 20% MSFT Would that be a better position? Or am I just making the rookie mistake of panicking and my portfolio is completely fine. Please advise. Wish all of you the best in this bear market
That had been my strategy, too. But, for some reason, this time I just didn’t rotate out soon enough. That’s ok. Just have to look back at this one and figure out what went wrong. Thanks again. Will look into VT! Have a great weekend.
Best wishes to you too! VT tends to always be the safe bet. I got lucky on my tech holdings because my strategy relies on rotating in and out of positions as conditions shift, at a somewhat rapid pace compared to most long term investors.
When in doubt, just throw it at VT. I was also in MU, WDC, and SNDK myself but came out with gains lol, although I have a tiny bit of WDC left.
Bro you need to VOO or VT and chill, if you are really fiending for an individual stock go BRK.
My 401k is 100% in VTSAX. Should I switch to VT or is it too late?
You maxed out your Roth contribution in a low cost index fund at the start of the year, so presumably you cannot invest any more money this year in the Roth correct? You jest about uninstalling the app, but realistically, that is the statistically best advice because there are no actions you can take besides selling and investing into something else, de-worsifyjng your investment. 100% VOO (Or VT, VTI, etc) assuming a time horizon of 10 years or more is the best investment sans luck or edge.
Or fifty posts of VT and chill on the other stock subs At least penny stocks has crazy pump and dumps
If you're buying a home in a few years you should really be leaving that money rather liquid in a mma, hysa, or other extremely liquid vehicle. None of that down payment should really touch the stock market. Bonds are fine but like, CDs and mmas will compete with their yield just fine and may come with things like FDIC insurance for your peace of mind. Money you need in less than five years really shouldn't be in securities. You of course should maximize your tax advantaged accounts as you are doing, beyond that it really just comes down to how big of a down payment you want. Invest whatever is excess of that. In these uncertain times, dollar cost averaging VT can be appealing.
It’s absolutely unethical and blatantly illegal market manipulation. At the same time, it only works if people panic and actually put any weight into the words of an idiot who happens to be the nation’s leader. I trust nothing out of his mouth, I certainly don’t let him dictate how I invest. I will continue plodding along, buying my VT and VOO and VXUS once a month every month, and not let day-to-day fluctuations (especially the ones designed to scam me) change my behavior.
Global markets ripping. VT pumped over 1% AH
Really? What else do you own? VT is an anchor in my portfolio so I didn’t mention it.
Tempted to sell my VT and buy some of these beaten down stocks like MSFT and META. Probably return way more over the next couple of years.
I just started investing in VT. If the market crashes , my cash will be worthless anyway
DXY was rejected at 100. Crude Oil was rejected at 94.60. $SPY held 650. Buy the indices. $SPY, $VXUS, $VT. I would avoid $QQQ. Now if the DXY breaks above 100 and $SPY breaks below 650 for extended period of time then all bets are off.
Put it all into the VT, the total world market ETF, and ignore it until you're 60. Keep earning money and adding to it.
It's generally not a good idea to try and time the market. The best approach for $70k is often to dollar-cost average into a diversified portfolio of low-cost ETFs like VOO/VT over a few months. This mitigates risk and ensures you're investing for the long term.
Per my philosophy, the VTI and VXUS split, or more broadly the domestic vs International spilt, is not an age thing. You pick something based on what kind of International exposure you'd like to have. I recommend no less than 20% and no more than what VT has (40% currently). Anything in-between is fine. The key thing is to pick one, say 70-30, and stick to it. What you don't want to do is chase returns i.e. fluctuate allocation based on how the investment is doing. e.g. Several folks reduced or removed their exposure to VXUS over the last 10 years because of underperformance, and are now flocking to VXUS when it already has a run. That's how you underperform the market. Pick an allocation and stick to it for 20 years.
I swear you all should stop “investing” and just VT and chill, yall are a detriment to your own progress. There are countless opportunities every single day we’re multiple stocks pump >10% and all of you collectively find a way to somehow miss every move up and ride every move down based on fear and FOMO responses. It’s wild to see over the past few years. For example, you could have bought ARM hours after they announced a wild new revenue stream yesterday and would have been up 20% automatically this morning but instead you’re catastrophizing about a future event that may or may not happen and may or may not create any sort of LT material drawdown and contemplating selling everything! Go touch grass, the stock market isn’t for you. These types of posts are an insane waste of time for everyone.
I feel like I would move this comment up to the top if I could. It’s so simple and common sensical. You can ALWAYS invest in conviction bets once you have a good foundation. Whether that foundation consists of VT or some combo of VOO/QQM/SCHG/VTI/VEA/VWO/VXUS is irrelevant. Foundations first.
I'm sure losing $12.5k in a day will make you less stressed. Next time you can't handle the stress, put everything into VT and delete the app.
A bad market is a great time to buy. A bad market is a terrible time to sell. If you have decades before you sell, you should buy, regardless of the market being up or down. Just buy a broad index (VT) or something with the $400K (don't DCA), and again each month/paycheck, and enjoy the discount you get when the market is down, if you need something to feel good about. Decades of compounding growth will change your life. Exactly what you buy matters much less. Get in as many years as you can. Hire a fiduciary to make a plan for selling, maybe 10-15 years before you sell. Buying is the easy part. Buy. Ignore markets when you buy, bc they don't affect you (side from getting a discount or premium, but you aren't timing the market, so it doesn't matter)
Do I buy Microsoft and become a bagholder? Put my money in SGOV until the war ends? Or VT and chill.
Dude fire the guy get all your money out and just put it in VT. It’s not hard. Just open an account with fidelity, Robinhood, Schwab, or any other online brokerage and invest in a total market fund like VT.
Don't buy individual stocks anymore, or don't consider them part of your retirement bucket. For you, probably just buy VT and bonds for the rest of your life at this point (though split out VT into VTI and International like VXUS if you ever open a brokerage, to take advantage of the foreign tax credit). If you really want stocks, then only spend "fun money" on it. It comes from the concerts/gambling/etc. part of your budget, and it's not part of your US/International/Bonds investment distribution. It's money that is gone when you spend it, like other fun money. If it grows back, that's the fun part. bonus!
VT, Musk needs less of my money, not more. Too many IPO’s about to be dumped on Spy investors heads.
I moved most of my assets from Vanguard to RH for approx. $16k in transfer bonuses. I'm still a VT and chill guy, but I couldn't say "No." to that much free cash. Also, the 3% credit card and 3% IRA match are both quite nice.
Brother, I hold USFR VT and IBIT.
I am a high income earner. I recently contributed to a Robinhood IRA with post-tax dollars and once it was funded, I immediately bought up VT. Since the stock hasn’t had any gains for the last month, can I sell my shares and still do a Roth Conversion, followed by reinvesting in VT?
I said "that was dumb. I'm just going to do the boring boggle head approach." 10 years later, it's great. Turns out the key is not yolo-ing and being boring. If you want to go even simpler, buy VT and don't sell for decade(s).
A smart combination! In retirement I just VOO…in taxable I’ve jumped all over the place but finally settled on VT USFR IBIT, with three rules to follow involving cash flows and rebalancing.
I have some VT VOO VXUS and VYMI as my long holds and that I play with the rest
A fellow VT and chill boi eh?
Which is another reason why I’ve been pivoting towards VT.
70% VT 30% SOXQ would give a nice boost in returns
These are not good investments . There is far too many variables at play that change the value and they do not have liquidity. You’re better off simply buying VT or VOO and calling it a day
Divide it in 12 (or 18 to be more conservative) and put one 1/12th into 75% VT and 25% BNDW. That mix of only two stocks will diversify you in US and international large/mid/small cap stocks and US and international bonds. In addition, those are Vanguard ETF's that will charge you the smallest fees available. Fees are return killers. The 12 (or 18) month period will dollar cost average and protect you from buying right before a crash. With this strategy, you have near zero percent chance of underperforming a savings account or losing money as long as you hold for at least a few years.
A few years ago maybe but VT outperforming VOO right now
In the past year, VT, a total stock market index fund with international exposure is up 16 percent. In the past 5 years it's up 40 percent. The most you probably ever got out of a savings account was 4.5 or 5 percent annually. That's a lot of money left on the table. Is now the right time to invest if you have a ten plus year horizon? Yes. Could this be the start of a decline because of war and high oil? Maybe. How long will it last? Who knows. Could you wait a year and time it better? Who knows. But your continued fear will keep making you miss out. Now if you still have too much fear, you could invest large chunks every month (let's say 40k a month) so that it is still all invested by the end of the year. You could also do a small percentage of bonds depending on your age or even gold to diversify. Keep 6 months of emergency savings. I say keep it simple for someone who was too worried to invest for years and just put it in VT.
Expand your fishing pond and buy something like $VT (world plus US) and $VXUS (world minus US).
That’s the part people are missing. There are sometimes opportunities to derisk your portfolio in the face of huge uncertainty. The trick is to not panic when the drops get big and you sell the bottom. That is completely different in repositioning ahead of those drops. And I say this as a largely buy VT and chill guy. We aren’t in the “big” drop part of this adventure yet.
I'm going to begin by stating I am talking indices & not individual stocks. Why punk on the people buying $SPY, $VT, or $VTUS TODAY over punking on those buying from October - Feb? Prices are lower now. Could they go lower? Yeah. But buy now and then just sit back & shut up when others FOMO in after prices start to rise. This place will be a bulls ranch by May shouting out their YOLO tech stock buys.
Sure, at any point where stuff is being added to a portfolio blindly, chasing hype, or without any good justification: it is over diversified. At the very least a small slow growing satilite asset can be used as an emergency shield or maybe someone wants to invest a little into the stocks of their company because they are working there long term or a little in the country they live in because the dividends cover their utility bill. It just needs a decent reason that aligns with the person's goals. Concentration is risk, volatility, and maximizing growth. Ex. 100% NVDA portfolio (this is dumb, do not do this) or 100% S&P500 or 100% QQQM (typically for very young people where time can even out volatility) Diversification is derisk, slowing growth, captial preservation, maximizing counterbalance. ex. 100% VT (this can be too boring or slow for some people especially when they are not near retirement) Over diversification is collecting several funds that all move in approximately the same direction. Ex. QQQ, QQQM, SPMO, SCHG (pick one for most people). At the end of the day, a portfolio is a tool and it must be a tool that fits your needs and psychological style in a consistent and repeatable pattern. There is no one size fits all.
Dude... do you hear yourself? Why on earth do you need "exposure to all kinds of assets"? Are you prepping for a nuclear war? Holding VT is more than "very diversified". You are literally buying a slice of over 9,000 public companies across the entire globe. For any normal investor, that is peak diversification. You don't need a bunker filled with private equity, corporate bonds, and gold bars just to consider a portfolio balanced.
I've personally lived this. I had a 3 fund portfolio, but then I wanted to add emerging markets, small caps, US real estate, TIPs, international real estate, and it just got a little out of hand. Nevermind adding gold and crypto to the mix like a lot of people are doing now. I would be extreme and say a 3 fund portfolio is all you really need. Two fund if you buy something like VT that includes the entire world and US equities.
I'm curious which single ETF you consider to be "very diversified" because as far as I know, no single ETF has exposure to all kind of assets (equities, real estate, commodities, government and corporate bonds, precious metals etc). Owning 100% VT is not "very diversified".
Meanwhile the VT/FSKAX clan since has netted 70% return the last 3.5 years to be boring.
If you put that all in VT you would have like 50k or something
OP, please just VT and chill from now on. You will be ok.
This is a thoughtfully constructed setup and I can see that complexity actually serves a purpose here. Avantis fees are justified because the funds have consistently delivered on their factor mandates. Since VT is tech heavy your tilt toward financials and industrials via the value funds creates a natural hedge. At a 55% factor tilt you are perfectly positioned to capture premiums. I often use the portfolio cross referencing on trylattice to ensure these tilts stay balanced during annual rebalancing since it pulls real time data from stock filings.
Ehhh with this time horizon, less value, more growth. Trade 20% of VT so Qs or something with a growthier tilt
Passive investing only works in an efficient free market. The US is closer to a centrally planned communist or fascist economy right now. Passive investors are easy targets in this system. Billionaire owners of speculative tech companies with lofty valuations are selling stock to index investors and using the cash to buy less risky assets like land. Trustworthy companies like Vanguard bundle these junk companies together and sell them to index investors the same way Wall Street firms bundled together terrible mortgages and rated them AAA during the Great Recession. Investors that should be 60-40 stocks to bonds are 70-30 or worse. They feel safe because they’re invested in a trust with asset like VTI. But while Vanguard itself is safe, you’re passively invested mostly in a handful of megacap tech stocks. The main source of the capital to drive their valuations came from Gulf oil monarchs whose main assets, oil fields, are literally on fire right now. That means they’re going to crash down quickly. So my advice is to figure out the real asset allocation for your age according to Vanguard’s target date retirement fund, and invest there. That means holding boring bonds. Don’t be one of the risk taking idiots who holds 100% VT or a tilt to speculative tech. There’s a ton of them in /r/Bogleheads these days. https://m.youtube.com/watch?v=Tc120RAcx48 https://www.cnbc.com/2026/03/23/volume-in-stock-and-oil-futures-surged-minutes-before-trumps-market-turning-post.html
Same thing I invest in every paycheck, Pinky. We’re buying VT and chilling.
Consider 70% VT, 30% AVGV for your global and value tilt.
No one knows. We are all gambling right now. I have decided I am BTD but I am not trying to be a hero and think I can pick the correct stocks. I am buying mostly $VT (world stocks plus US) and $ACWX (world stocks ex US). I would BTD on indices here over individual stocks if you are willing to gamble right now. But do not buy on margin or buy with cash you will need in the next 1-2 months. We could go lower.
VT is a good mix imo. It's about 60/40 in VTI (US total market) / VXUS (international).
I will go against the grain and say this isn’t arbitrarily worse than VT, there is an actual logic to your tilts. That said, yes, this is a much larger value tilt than almost any portfolio recommendation I’ve seen. The typical recommendation range is like 10-25%. You have a 55% value “tilt.” I suspect your portfolio ends up with a significantly more “value-y” tilt than Avantis’s own core global equity ETF: https://www.avantisinvestors.com/avantis-investments/avantis-all-equity-markets-etf/
The main issue here is you've got 6 ETFs for a baby's account that you're going to be rebalancing for 20 years :) VT already holds everything the other five are tilting toward, just at market weight. So your 45% VT plus all the Avantis funds means you're paying higher ERs on more than half the portfolio for a factor tilt that may or may not show up over your kid's timeline. Here's a breakdown: [https://www.insightfol.io/en/portfolios/report/f66447a7cf/](https://www.insightfol.io/en/portfolios/report/f66447a7cf/)
It’s fine but I’d do 100% VT over this
Should have invested in VT, should have chilled.
I dumped a bunch of stock and VT at the highs of today. There is talk that Iran is not talking to the US, and all it takes is a small group of insurgence to lay mines in the strait. For all we know their mosaic style of fighting could be dozens of groups that splintered off and are doing their own thing. I have a feeling this is not over by a long shot.
$VT (world plus US), $ACWX (world ex US), $EWY (South Korea), $EWJ (Japan). I also bought $GLD but I'm less optimistic about Gold. I do believe Trump has done damage to the American brand despite my posts that many here are overreacting to DJT. So I am investing more money outside the US than w/i US.
At least it wasn't much to begin with relatively speaking. Stop being retarded, get off this sub, start grinding out some real cash and put it somewhere boring like VOO or VT till you get your shit together. Don't try to gamble your way back.
I think you need to blame the guy in the mirror. You'd have done great had you put that money into VT when you started trading. Just ignored it and done nothing and you'd be up by a lot.
Don’t people read https://www.bogleheads.org/wiki/Main_Page it would have been better to buy VT ETF and keep investing more every month no shorts or gambling bs
What about switching from VT to NTSD..
So use something like VT which will keep balance on market weighting. That said, despite the “Sell America” trade and the recent outperformance of the global market, as soon as it hit the fan with Iran, the winner was…. the U.S. dollar.
The biggest problem with your post is that you tried to use logic. The guy running the show doesn't understand any of it and can end it tomorrow with a tweet. Even if your risk appetite is low, DCA into VT is the obvious answer here.
You say as if you know that MSFT will keep being a top contender forever. It’s a much better play to buy VT or VOO and hold
This except a couple things Open your HSA if eligible at Fidelity or equivalent at you're not paying fees and can invest in anything VT and forget it
Well, for starters, the old "past performance does not predict future returns" adage applies. VOO is just the SP500, which has been a strong performer, but it's completely concentrated in large cap US companies. VT includes international and smaller cap companies. VT has underperformed relative to VOO largely because international stock gains have been modest for over a decade. Maybe the SP500 continues to out perform, maybe it doesn't. People are betting that given the political instability currently existing in the US, international stocks may have a run, and VT gets you much broader exposure. It's a very simple way to sort of get exposure across the board. Reward has been higher in VOO, but risk is also higher, given the relative lack of diversification.
I read the loss posts here to stay on my strategy. Also got my bonus on 12 March when Iran said they were gonna close Hormuz. Going to put it in VT but waiting for a little more drop first.
Stfu with your VT and chill. This shit is infesting all the stock subreddits. What are you even doing here. Why aren't you VTing and chilling
VT and chill, save a lot every paycheck, and don't look at it until he's out of office.
VT, you don't want the lost 30 years.
I’m curious on this. VOO has a better Sharpe, alpha, max drawdown, and upside return in relation to the index. So why VT over voo?