VTWAX
Vanguard Total World Stock Index Fund
Mentions (24Hr)
0.00% Today
Reddit Posts
Question: why does "past performance is not a guarantee of future returns" not seem to apply to index investing? At what level *does* it start to apply?
Does it ever make sense to have multiple brokerage accounts?
Best Funds and Allocation Strategy for a 100% Equity Portfolio - 100% World Vs 100% Only USA
Capital Gains Distribution (Mutual Funds vs ETFs)
Why shouldn't I just put it all in Berkshire Hathaway?
Wash sale rule "substantially identical security"
Help me understand VTWAX (new to investing + I'm from LATAM)
Comparable Merrill Lynch mutual funds similar to the VTSAX, VTIAX, & VTWAX without transaction fees?
Mentions
Serious answer: [VTWAX](https://investor.vanguard.com/investment-products/mutual-funds/profile/vtwax)
VTIAX is VXUS in a mutual fund. There's also VTWAX which is VT in a mutual fund (65% VOO/35% VXUS). You can transact as much as you want in an IRA with no penalty. For simplicity sake I would probably sell everything and put it all in VTWAX. But you could also sell just the target date fund any whatever VTSAX is required and buy VTIAX till you hold 70% VTSAX/30% VTIAX. This assumes you want no bonds. There's nothing wrong with bonds and there's actually a good reason they put them in the target date funds. So 100% of the account in three 2050 target date fund is also good.
This is the way OP. Your advisor is basically trying to charge you premium fees to underperform what you could get with a $20 Schwab account and some basic ETFs That JGASX expense ratio is probably gonna eat into your returns more than any "professional management" could ever add back. Skip the middleman and go straight to VTI/VXUS or just VTWAX if you want it even simpler
Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds equals less risk. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund.
Follow the /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics For what to invest in: Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds equals less risk. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund. In work provided plans, you'll likely only have a short list to pick from, your options for some areas (such as large US usually) may be better than for other roles. In these cases, some people ignore those areas where they have poor find to pick from in the work account and compensate elsewhere (like extra heavy on international in IRA or taxable for example).
Priorities: /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds equals less risk. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund.
This is why use Bogleheads u/VTWAX\_AND\_CHILL
I've been sitting in 25% cash for a while now, waiting for opportunities that I never had the balls to capitalize on. Obviously I'm bummed to have missed this years gains, but it is what it is. With my current allocations in mind, where do you think I should deploy around $300,000 of the funds currently sitting in a money market fund? My world exposure is low, as is my total market compared to my SP500 exposure. I'm comfortable with my current crypto exposure and would not want to increase this (purchased this at $3000 so riding it out). Would you just split the funds between world and total market, or do you think there are better places to put some of this money considering my current allocations? VFIAX (SP500) - $1,091,000 - 54.5% VMFXX ($435,000) - 21.7% VTSAX ($246,847) - 12.3% Bitcoin ($120,000) - 6% VTWAX ($108.968) - 5.4% Some details that may be relevant. 36 years old, married, no kids, unstable job currently earning $600,000+ but could see a decent drop soon depending on how things go in my industry. 400k mortgage @ 2.4%. Spending roughly $150k this year, but about 50k of that is related to business expenses that wouldn't be there without our current job.
Been buying VTWAX for years now.
These are just my individual stocks (for 10-20 year time horizon). 95% of my portfolio is boring index funds similar to VTWAX
VTWAX and Chillax. Im just in r/stocks for the entertainment value. Ill see myself out.
While yes, the market is volatile, if you’re at all concerned about inflation, which like I am, then you’ll want your money in the market and not sitting as cash. Companies have assets they leverage to generate revenue, while cash is an opportunity to purchase assets, and cash’s purchasing power diminishes over time. If it were me, I’d lump sum most of it into something like VTWAX (I want international exposure) and forget about it. Then I’d keep some (10-25%) to the side to get the higher risk behavior out of my system, such as picking industries, companies, and timing the market. I find that fun and rewarding. I value the upside more than I fear the downside. For me personally, if I direct the “emotional” investing towards a specific account with that built-in risk appetite, then I’m much less likely to touch my boring long-term investments based on any short-term economic conditions. On a long-term horizon as well, taking risks is important too, so I don’t want the opportunity cost of playing it too safe when I won’t need the money anytime soon, so it depends on you’re no-shit horizon.
Yup. Instead of straight index funds like Ive held for decades, I recently switched to target date funds (VFORX) that hold some bonds, dividend ETFs like SCHD and JEPI, and VTWAX. I'm fine holding those for a few years. Maybe forever. The older i get, the more risk averse i become. And if we have a 20%+ drop, I'll switch back to more index funds for a while.
Total world funds VTWAX is 36% international, I'd use that as my guide for domestic/international split or just invest in that in the first place.
ETF to invest in (VT). Mutual fund to invest in (VTWAX). —>FTSE Global All Cap Index
If you are nervous about a single stock, you should diversify. Get a Total US Stock Market ETF or Mutual Fund, like VTI or VTSAX. They are low cost and cover the entire US stock market. If you want a Total World ETF or fund, try VT or VTWAX. Put money in that you will not need for the next decade. Add money every paycheck. Don't look at how much it's made or lost in the short term look at how much over the last decade or so.
55% Stocks - 40% $SNOW - 22% $VTSAX - 20% $VTWAX - 15% $FXAIX - 02% $GOOG 30% Cash 11% Creeptoe - 95% Bitcoin - 05% Ether 04% Bonds Will increase my position in Google for the rest of the year maybe try to get near 5% of total stock allocation and waiting to see if the asset that cannot be named will drop below 100k. I don't track performance specifically, just total net worth increase and that's about +27% YTD (lost about 4% in one day on Friday 😭).
Adding some specifics to smash brother's comment for OP, some total US market funds are VTI, VTIAX, FSKAX. A couple of International total market funds are VXUS, VTWAX and FTIHX. Actually, there are even total world funds like VT, VTWAX, AVGE (has a small and value tilt) and DFAW.
Hmm. Perhaps a modest allocation to VTWAX just to spice things up.
VTWAX. Broadly diversified across the entire world, cheap. 100% equities.
Typically investing for anything less than 5 years should be avoided, as extended market crashes can and do happen occasionally. Even at 5-10 years, a more conservative allocation may be warranted. Even without a crash, the interest rate on your loans may be more than market returns would be. If you still decide to go for investing: Single fund portfolios: https://www.reddit.com/r/Bogleheads/comments/tg1az5/should_i_invest_in_x_index_fund_a_simple_faq/ This is one of over a dozen links I have that can help explain the reasoning behind that: * https://www.pwlcapital.com/should-you-invest-in-the-sp-500-index - invest in the S&P 500, but don't end there (this covers info on both the US extended market and ex-US markets) [a total US market fund combines S&P 500 + extended market into one] US only is single country risk, which is an *uncompensated* risk. An uncompensated risk is 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.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * 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.** Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level. More bonds equals less risk. Alternatively, a target date (index) fund is effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund.
>Should I put all my money into the S&P 500? US only (which VOO only would be, no revenue source doesn't count) is single country risk, which is an *uncompensated* risk. An uncompensated risk is 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.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * 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.** Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level. More bonds equals less risk. Alternatively, a target date (index) fund is effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund. I wouldn't focus on growth designated (like VOOG) or growth heavy (like QQQ/QQQM), as growth as a style has actually tended to under perform in the long run compared to blend and especially value. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/
Depends honestly. I started actually investing in November 2021. With the covid market decline, it took long enough to recover that overall from then til now I'm only at 11.5%. Mostly in Vanguard Admiral funds, VMGMX, VTSAX, VTWAX, VWUAX.
[VTWAX](https://investor.vanguard.com/investment-products/mutual-funds/profile/vtwax) - Vanguard Total World Stock Index Fund Admiral Shares. Maybe diversify a tiny into BTC if you want a hail mary lottery ticket
Have you heard of VTWAX. It might be right for you
In order to not try to make sense of this kind of chaos, investing is simply part of my recording budget. I invest $x out of every paycheck. It automatically goes out of my paycheck into my retirement accounts and HSA and taxable brokerage and it automatically buys a TDF in my 401(k) and VTWAX in my HSA (which only recently became available, I’m super excited to be able to buy something like this in my HSA). I buy 80/20 VTI/VXUS in my taxable account. Same process with 529s for the kids except there are lump sums from grand parents and the like on birthdays. But it’s always still an immediate buy of the same index funds. That’s it. No picking or timing or trying to figure out charts. The only exception is when RSUs vest. I just sell them asap and immediately buy 80/20 VTI/VXUS. Same concept but vesting schedules aren’t as clean as paycheck schedules. If I were still buying individual stocks (which I used to do and still hold some in my taxable brokerage acct, although I have not bought any in years), I’d do the same thing. If I had $2,000 per month to invest and my stocks were BRK-B and GS and MSFT, for example, I’d auto deposit the $1,000 from each paycheck and buy the shares. Obviously fractional shares could be a problem to match the exact amounts, so in that case I’d leave the excess cash in the brokerage until the next paycheck and round off the dollar amounts to buy the shares as enough cash was available.
TL;DR - You should check out r/Bogleheads investing philosophy and just buy $VT/VTWAX. Dividend investing is antiquated and likely harming your total return. $JEPQ is terrible and most likely has a tax drag hurting returns. Check out these videos (with sources cited): [The Irrelevance of Dividends](https://www.youtube.com/watch?v=f5j9v9dfinQ) & [Covered Calls: The Income Illusion](https://www.youtube.com/watch?v=YMLVdY8y8vM) What's more, you have a concentrated position in the largest American companies. Why won't large non-US companies produce strong returns? Why won't smaller American firms produce strong returns? There's no good answer. You are betting on heads, but there's an equal chance for tails. That's idiosyncratic risk that's completely uncompensated. Your volatility goes up, but your returns do not. This is bad. If over the next 40 years of your investing horizon huge economic shifts hurt the United States, you will be better protected and have higher returns with international diversification. It is possible the United States will continue to outperform internationally equities, but the smartest minds don't expect that. Vanguard predicts ex-US will outperform US by 1.7% in the next 10 years in their [Market Perspectives](https://advisors.vanguard.com/insights/article/series/market-perspectives) newsletter.
I didn't completely list out my portfolio but it's mostly VOO and now VTWAX for global exposure. I do think the US as a whole will rebound but unsure of the timeline. We'll see how crazy all this shit gets. Might be more worried about food and water than my brokerage account.
Put 500k in: —>mutual fund variants:(VTWAX + VBTLX + VTABX) —>ETF variants: (VT + BND + BNDX) Live off of the passive income
Think of (investing in the stock market), like this. By investing in “assets that are good long term assets.” Either (ETFs or mutual funds). You are achieving (capital appreciation + earning dividends). —>Capital appreciation = total value of your stock portfolio. Capital appreciation = unrealized gains/money on paper. People who are long term investors do not care about (capital appreciation as much). They will only care about capital appreciation, when they are going to sell shares/convert unrealized gains into realized gains. -when you sold share because of a dip. You just converted (unrealized gains, into realized gains). —>Earning dividends = earning passive income, without even having to sell shares. You are getting a guaranteed return on your investment, without even having to sell shares. -Aka: You have manually allocated ($10,000 dollars to your investments). In return, you could be receiving ($300 dollars in dividends per year). ($300/$10,000 = 0.03 * 100% = 3%). ->You have manually allocated ($10,000 dollars to your investments). You are receiving (capital appreciation, but can also become capital depreciation). You are receiving (dividend income, and perhaps long term dividend appreciation, but can also become dividend depreciation). ->You have manually allocated ($10,000 dollars to your investments). And you are receiving a (3% APY interest rate — because of the ($300 dollars in dividends per year). And the amount of dividends could potentially grow, if there is “long term dividend appreciation.” Good long term assets to invest in: -ETF variants: (VT + BND + BNDX) -mutual fund variants: (VTWAX + VBTLX + VTABX). (Total world stock market = 100% equities) + (Total US bond market) + (Total international bond market). Bonds are essentially debt assets. (Financial institutions/banks), mainly make their profits from (debt or debt interest). Bond holders get to receive a percentage of this (debt or debt interest).
Invest in these mutual funds: —>VTWAX: total world stock market. —>VBTLX: total US bond market. —>VTABX: total international bond market. Live off of the dividends. You will probably be earning a consistent (2%-3% APY interest rate), just from dividends alone. VTWAX, has a higher percent chance of achieving (long term capital appreciation + long term dividend appreciation). Aka: With earning dividends from (VTWAX + VBTLX + VTABX): —>You will probably be earning a consistent (2%-3% APY interest rate), just from dividends alone. Even during (bull market cycles + boring market cycles + bear market cycles). —>You will also have a good chance of achieving “long term dividend appreciation from VTWAX.” So, based on manually allocating $500k to investments, you could hypothetically be earning (4%-greater APY interest rate), because of VTWAX. (Long term dividend appreciation + long term capital appreciation). Aka: (VTWAX + VBTLX + VTABX) = you will have a very good financial future. Earning passive income all the time.
I’m just a regular person, and I did benefit (so far) from that April dip. Bought $5,000 worth of VTWAX, which is already gone up over $3 a share since then. Certainly not a gigantic windfall, but I was able to get in at less than $40 a share.
Take the entire amount Put it into VTWAX Forget about it
Why pick a single market? Do 100% VT/VTWAX and relax. No need for a bunch of overlapping funds or tilting towards dividends/tech/single stocks/etc.
I’m switching to VTWAX and chill as supposed to VTSAX
VTWAX and chill if you’re lazy and want pure indices. BRK.B if you want Buffett to hold your cash.
Right, sorry, to clarify, I'm only asking if it makes complete sense to go all in on VFIAX or divide my portfolio up between VFIAX and VTWAX.
So I'm looking to change my 401k portfolio to go all in on VFIAX (index fund) or do 50% VFIAX and 50% VTWAX. For some context, I'm not looking to look at my 401k account. I'm just a set and forget type of guy. Right now, I currently have an IRA that has the following allocation 33.3% - SCHX, 33.3% - SCHD, and 33.3% - SCHG. I'm also planning on setting my HSA to do the same strategy as the above (VFIAX 100% or (VFIAX 50% and VTWAX 50%)). Currently in my early 30's, live in the US, and my goal at the moment is to get rid of student loan debt and then purchase a house. Happy to answer any questions you might have.
Right, so VTWAX is already tilting overwhelming to the US due to market cap weighting, and then you're tilting even further in that direction with VTSAX and VVIAX. Obviously this is a super personal decision with lots of context for each individual, and I'm just some random idiot on the internet, but *personally* I would take another look at that allocation.
VTWAX, VTSAX and VVIAX Larger allocation to VTSAX next largest is VTWAX and smallest is VVIAX.
I mean if you get it right, fantastic, but how will you know 'when' to buy back in? Let's say market is flat today and you sell. Then it drops over the next week, fantastic, you buy back in, then it drops again, and again and you go "Oh man, I missed it!" I just buy VTWAX and let it do it's thing. I am down a lot since Dec, but I just keep buying every week. Dividends will continue to be paid, I buy more shares, and I wait 20+ years.
VTWAX is your best bet long term my friend
I have no idea what to do lol. I'm all in on VTWAX, it's down like 12% in the past month or some shit. I'm honestly wondering if I should sell now because I don't want to see this dip below my entry point which I think was around 32 or 33 bucks a share, and we are getting closer and closer to that lol. But this shit is so unpredictable with orange fuhrer that he could pull these tariffs away tomorrow or double down harder on them. It's impossible to navigate this shit rationally right now.
VTSAX and VTWAX is what I am doing for much of it. The rest in a target date retirement fund. Yes, we don't know the lasting effects. Yes, trump is a fucking idiot and this is ruining those who are retired and approaching retirement in the near term. Yes, this is unprecedented and "this time it's different" certainly applies. But if you have a 30 year horizon until retirement, stay the course. DCA. If we are truly cooked, you need seeds, band aids, and bullets, and your stocks don't matter. I'm not a financial advisor, but I'll bet everything that I'm right here
I am legitimately thinking of moving my VTWAX, which is most of my portfolio, into the Vanguard money market settlement fund for now. The low has not touched my buy in price yet and still has a bit to go, but I also have no reason currently to think it won't get there if these tariffs stay lol. I'd rather guarantee 3 to 4% returns and not have to worry about my shit vs. having to watch these prices every damn day cause of the Orange moron in charge.
For diversification, most literature supports index fund investing and avoiding individual stocks (unless it’s 1-5% of your portfolio in individual stock picking for fun and you understand you’re far less likely to beat the index in that 1-5% over the long haul). Something like VTSAX, VTIAX, VTWAX. Look up “3 fund portfolio” and spend at least a little time on r/bogleheads if you haven’t already to at least familiarize yourself with that approach. Your asset allocation depends on your time horizon and risk tolerance. There are tables with suggestions by age and years away from retirement for stock/bond ratios. So advice on that is dependent on when you’ll need the money in the future
I’m buying (VTWAX tomorrow) — VT would be the ETF version
Short term bonds plus VTWAX is awesome for trade wars. Nobody knows who will come out ahead, so just bet on the globe to figure it out.
Either that or do a 3 fund I have vanguard and do VTSAX 65% S&P VTWAX 20% S&P + World VVIAX 15% Value
VTWAX is a US mutual fund which you can't buy. The UK equivalent would be the Vanguard FTSE Global All Cap fund. Whether you buy an unhedged fund with USD or GBP, your return will be the same. On most UK platforms you can only buy the GBP ticker of ETFs anyway. The Vanguard FTSE Global All Cap and HSBC FTSE All-World funds are unhedged, their base currency is GBP.
Vanguard. The mutual fund is VTWAX and the ETF is VT. Generally, ETF’s are preferred in a taxable account.
I'm mostly in VTWAX so I don't know why everyone is freaking out.
VT(ETF) or VTWAX (Mutual Fund)
- YTD +1.04% - US 46% - Intl DM 30% - intl EM 10% - Bonds 12% - misc 2% - largest position VT/VTWAX: 10%
Yeahhh but this is something that will probably develop over the course of several years. If Trump continues essentially being pro Russia and anti NATO, those countries are going to dump a fuck ton of money into euro manufactured defense. This is a bit of a long play. I personally took 20% of my VTWAX today and am going to DCA into this over the next week or two (only because the recent run ups on it have me convinced it could falter slightly).
Switch VTSAX for VTWAX and move on with life
VTWAX? I'm in the same fund and wondering if I should sell too. I'm in the green and I'm expecting it to drop below my entry point, so I fee like it'd be smart.
Honest question: I've got about 40k invested in VTWAX, not including the returns I've made. I personally think we are headed for a market crash with this administration. Would it be wise to pull what I've invested (not the returns, I'll leave those to avoid taxes) and hold cash for now and maybe pay off my wife's 10k car loan that we share the payment on? Reducing monthly expenses seems ideal in what I imagine will be a shit economy pretty soon. She is also facing the prospect of increased monthly student loan payments which really sucks (Thanks Trump).
100% VTWAX and eat ass, been my course and ain't changing it
This is why I love doing VTWAX and chill. I can't control international politics, but I can buy the whole damn market.
I'm thinking of moving the privileged accounts from VTSAX to VTWAX to at least tap down some of the US large cap risks and moved to VUSXX outside that. Thou, seeing as how so many ppl is spooked, it's likely that a crash won't happen. It's usually the euphoria that gets us.
Check out (r/BogleHeads) — for information, related to “how to be a very safe investor.” If you want to retain your wealth, long term — invest in (ETFs) or (mutual funds). —>ETF = a basket of individual companies —>mutual fund = a basket of individual companies (1)Your investment platform, will either allow “partial shares for ETFs” or “partial shares for mutual funds.” You want to mainly purchase (PARTIAL SHARES). Not (WHOLE SHARES). (2)Perfect mutual fund portfolio set-up: —>(1)VTWAX = tracks the “FTSE Global All Cap Index.” VTWAX, invests in “small cap companies + mid cap companies + large cap companies.” Invests in every country, in the world — (minor exposure to developing markets + moderate exposure to emerging markets + major exposure to developed markets). —>(1)VTWAX = total world stock market. Cannot achieve better diversification than this. If you want 100% equities. Pays out dividends, 4 times per year. —>(2)VBTLX = total US bond market. Only includes US bonds. Bonds are considered as (debt assets). Figure out how banks mainly make a profit. Banks earn profits from “debt.” Bond holders, will get to receive a percentage of this debt money. You will be earning a steady dividend income stream, during (bull market cycles + boring market cycles + bear market cycles + black swan events). —>(3)VTABX = total international bond market. Excludes US bonds. Figure out how banks mainly make a profit. Banks earn profits from “debt.” Bond holders, will get to receive a percentage of this debt money. You will be earning a steady dividend income stream, during (bull market cycles + boring market cycles + bear market cycles + black swan events). —>Common shares = 1st ones to cut their dividends during (bear market crashes). —>Bond shares = last ones to cut their dividends during (bear market crashes). PS: bonds are considered as debt assets. Figure out how banks mainly make a profit. Banks earn profits from “debt.” Bond holders, will get to receive a percentage of this debt money. —>Invest in the mutual funds that are (VTWAX + VBTLX + VTABX). —>Sell 50% of VTWAX, when you are in your senior years. After selling 50% of VTWAX, you would have gained a significant amount of money. Money that can be used as “spendable cash for everyday purchases.” —>Live off of the dividends generated from (VBTLX + VTABX). —>Bonus: If your assets of (VTWAX + VBTLX + VTABX). If the previous assets, are in a “brokerage account” — which is a taxable account — brokerage accounts, “are the most inheritance friendly type of investment accounts.” —>(VTWAX + VBTLX + VTABX). Post the above information into (ChatGPT) — for a better explanation.
They're practically identical. I like VTWAX, because it always trades at NAV, isn't susceptible to bid/ask spreads, and my assets are already at Vanguard. VT is very slightly cheaper, and more portable being an ETF. VTWAX can be converted to VT without triggering a taxable event (but not the other way around). I may convert VTWAX to VT in the future. If my assets weren't at Vanguard, I would've gone with VT.
VT/VTWAX is the ultimate set it and forget it investment.
* VOO - S&P 500 - top 500 biggest US public companies * VTI - total market US - all US public companies (including the S&P 500) * VT - total market world - all global public companies (including the US) These are all ETFs. They have mutual fund equivalents - VFIAX, VTSAX, and VTWAX - but the difference between an ETF and a mutual fund is not relevant for you except that the mutual funds have a minimum investment of $3000.
They lowered the expense ratios, for the (mutual fund variants). Ex: There is (VT ETF) and (VTWAX mutual fund). I am invested in (VTWAX mutual fund). —>VTWAX = used to have an expense ratio of (0.1%). —>VTWAX = now has an expense ratio of (0.9%). https://investor.vanguard.com/investment-products/mutual-funds/profile/vtwax
Would buying VT/VTWAX ideal to mitigate tariffs? This is for 30+ years hold.
So diversify globally. I’m all in on VTWAX.
Transferred my liquidated Roth IRA in Fidelity to Vanguard. Bought an VTWAX.
That’s why I’m in VTWAX. Nearly 40% of my portfolio is ex-US.
That's why I put my money in VTWAX
It doesn't cover developed markets outside Europe. So you'd be missing places like Australia and Japan. Nasdaq 100 already has heavy representation within the S&P 500. And why take the extra bet on companies largely based on "which of the US exchanges they trade on"? I'd avoid sector bets. Take a look at how VTWAX (total world stock) vs ICLN (global clean energy) has performed over the past 10 years and learn that sector hype can come and go: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=41MpwG1uuLm2HsX1PyzLrp Basically this looks like a more complicated version of the https://www.bogleheads.org/wiki/Three-fund_portfolio with a few "bets" added in.
I’d go 100% VT/VTWAX. Globally diversified for whatever the future brings. I think real estate is too risky with the potential for bad renters, repairs, etc.
Open one in Vanguard and invest in a mutual fund called VTWAX
>Would you rather invest in (VT) or (VTWAX)? The lower expense ratio should favor VT, but the way ETFs trade can introduce variables more significant than that (especially over shorter timelines). So entirely personal preference on how they trade. >VTWAX hidden fee = paying the “Capital gains distribution tax.” This tax type will occur MORE FREQUENTLY for mutual funds This is actually not the case, due to a special design Vanguard has. If VTWAX has a capital gains event, VT should as well.
These are two different share classes of the same fund. https://investor.vanguard.com/investment-products/mutual-funds/profile/vtwax > Also available as an ETF (starting at the price of $1). The ER for VTWAX is 0.10%, and VT is 0.07%. So VT has lower fees. But to be clear we’re talking about a difference of a whopping $3 per $10,000 invested, so it’s negligible.
Most mutual funds are at least in theory slightly less efficient than ETFs due to capital gains distributions. However some Vanguard funds are "special" in that VT and VTWAX are different share classes of the same fund. Performance will be indentical minus expense ratio (0.07% for VT and 0.10% for VTWAX). If this is a taxable brokerage account I would own neither. VT/VTWAX doesn't qualify for the foreign tax credit. VXUS however does so I would own VTI+VXUS. If this is a tax sheltered account (IRA, 401(k), HSA, 529, etc) then it doesn't matter. Even VT vs VTWAX is essentially a rounding error. If your brokerage is anyone other than Vanguard though there will likely be trading fees for VTWAX so you should opt either for an ETF (i.e. VT) or a comparable mutual fund from that brokerage (i.e. Fidelity MF at Fidelity, Schwab MF at Schwab).
Show me where, ten years ago, you recommended adding VTWAX to your investment portfolio.
Idk look at 1. Vanguard Total Stock Market ETF (VTI) Mutual Fund Equivalent: Vanguard Total Stock Market Index Fund (VTSAX) 2. Vanguard Total International Stock ETF (VXUS) Mutual Fund Equivalent: Vanguard Total International Stock Index Fund (VTIAX) 3. Vanguard Total World Stock ETF (VT) Mutual Fund Equivalent: Vanguard Total World Stock Index Fund (VTWAX) 4. Schwab U.S. Broad Market ETF (SCHB) Mutual Fund Equivalent: Schwab Total Stock Market Index Fund (SWTSX) 5. Schwab International Equity ETF (SCHF) Mutual Fund Equivalent: Schwab International Index Fund (SWISX) --- Expense Ratios: ETFs often have lower expense ratios than their mutual fund equivalents, especially compared to the mutual fund’s investor share class. The Schwab ones have significant differences (over 1% in the returns)
They’re akin to gambling. Can be fun but you can lose a lot so best be cautious. If your goal is building wealth then research things like VTSAX or VTWAX and let the power of time in the market and compounding set you up for a nice retirement.
And here's some advice for you long term. Most of what you see here is for trading only. If you want to build wealth then my recommendation is look into index mutual funds like VTSAX, VTWAX (global), etc. Learn more on r/Bogleheads . But if you want some quick plays then check out some of the symbols people throw around here, with caution.
Shit I meant VTWAX idfk
The funds they use are: * Domestic stock = VTSAX (0.04% or VTI (0.03%) * International stock = VTIAX (0.12%) or VXUS (0.08%) * Domestic bonds = VBTLX (0.05%) or BND (0.03%) * Foreign bonds = VTABX (0.11%) or BNDX (0.07%) * Another option would be to combine the domestic and international stock by buying VTWAX (0.10%) or VT (0.07%) You’d save a little bit Using the current weights and the ETF options for each, I’m coming up with 0.045% overall. That means you’re paying about $3.50 per $10,000 for them to rebalance and reallocate.
Do you have VTWAX as an option? Having a portion in international stocks add real diversification. Allocating 100% into S&P 500 assumes the next 15 years will have the same winner (large and mega cap US stocks) as the last 15 years.
The last time something like VFIAX paid capital gains was in the late 90s. They've changed structure since then and haven't paid since (and I doubt ever really will). I moved both my VFIAX and VTWAX to VOO and CVT respectively earlier this year. Took all of 3 clicks and 1 business day. I get lower fees, I can still DCA, and (god forbid) I want to switch brokers I can do so easier with ETFs. https://www.bogleheads.org/wiki/Vanguard_500_Index_Fund_tax_distributions
Fire your financial advisor. In your tax deferred accounts, sell everything and buy $VTWAX. Buying $VTWAX is better than getting waxed, which is your current situation. With a 90k salary, 150k combined tax deferred investments, deferring 20% of your income towards retirement investments, and 4% annual raises, you could retire on investments and social security comfortably in 20 years. If you make 90k today, defer very little and have no state income tax, you may need to defer slightly more than 20% or work slightly longer than 20 years.
VTSAX is the same as VTI, of which 80% of that is VOO. They're basically the same thing, VTSAX is perfectly fine. VTWAX is 65% VOO anyways. If you're in a brokerage, I wouldn't change it (too much embedded gains), in a 401K you *could* rebalance, but your allocation is fine. Since 2019 your 70/20 portfolio has returned 14.72% annually, pretty damn good! Remember at the start it feels like nothing is happening, but it'll pick up after a few years.
Am I dumb? I recently looked at a graph of my Vanguard accounts and noticed that is was relatively flat since May 2022. I calculated the percentage change and it's ~30% growth. The S&P 500 in the same time period is up 50%. I'm in VTSAX, VTWAX (split 70/30 on those), and then have AAPL. I started investing in 2022 and heard that the 70/30 split between US/world was a "set it and forget about it" method, and then I've always had the AAPL stock so I just keep it. Would I be better off selling off VTSAX and VTWAX for VOO (Vanguard's s&P 500 ETF). VOO's % change over the same time period is also at 50%. Am I missing anything here?
In addition, VOO lacks exposure to US Midcap, US Small caps and all international stocks. An easy button for owning the world total stock market is the VT ETF. Mutual fund equivalent is VTWAX.