VWO

Plane-Equivalent-794

I’ll be 25 at the end of this month. I have been contributing small amounts to my VG brokerage account over the past year or so. I have a small account balance of 1.6k invested into funds/REITS (VWO, KBWD, O, MAIN). Recently, I learned what a Roth IRA is and decided to open an account on Fidelity for it. Should I focus more on continuing to add to my brokerage account or focus on contributing to my Roth IRA at my age? I make about 46k/year. I already have a 401k with my job and they match 6% but I’m seeking to explore other wealth building vehicles. Also, should I primarily be investing in S&P related funds right now? It seems to be overly bought. I’d like some opinions if possible.

Poundcake2RedVelvet

I am up 17% YTD in my Roth by going 80% VXUS and 20% VWO in Feb/March btw

jack_klein_69

Don’t go all in if you’re hesitant or you might sell when there’s a pullback and panic. You don’t know your risk tolerance yet. Definitely start though, just ease in if you’re hesitant. Depending on how active and risk tolerance, which again you won’t know ahead of time, I would do something standard like VT; VTI/VXUS; VOO/AVUV/VXUS or VEA/VWO in a percentage split you’re comfortable with and DCA up or down. Round it out with IBIT. Tweak as you like.

grokfinance

A Roth IRA is a great (probably the greatest) investment vehicle for retirement. It comes with many benefits. I think the funs you listed are fine. Personally, I'd pick VTI over VOO for additional diversification. I'd do something like 70/20/10 VOO/FSPSX/VWO. In 40 years every $1,000 you invest today should grow to something like \~$30k. And since it is in a Roth IRA it will be completely tax free. Not bad. [https://www.fidelity.com/learning-center/personal-finance/retirement/nine-reasons-roth](https://www.fidelity.com/learning-center/personal-finance/retirement/nine-reasons-roth)

Suvikian

Just VOO alone? No FSPSX or VWO?

IronyElSupremo

For total international (non-US), it’s VXUS or VEU for Vanguard. VXUS has more small caps as a % though VEU has a slight performance advantage most years. The iShares IXUS is between the 2. Some separate international further out into 3 developed to 1 emerging (so VEA, IDEV or SCHF to VWO, IEMG, or SCHE).

IronyElSupremo

For total international (non-US), it’s VXUS or VEU. VXUS has more small caps as a % though VEU has a slight performance advantage most years. The iShares IXUS is between the 2. Some separate international further out into developed> emerging (so VEA, IDEV or SCHF>VWO, IEMG, or SCHE).

Best_Fish_2941

Anything better than VXUS or VEA or VWO or VGK?

tutorbkk1

VWO

Based_Commgnunism

Wearing dollar for one. Shares in VWO are held in local currency so when the Rupee or the Yuan goes up in value compared to the dollar that makes the stock go up.

favoritedeadrabbit

Some of it. Our (I manage me and my husband's) target allocations across all accounts (combined) are: 40% Large Cap (VOO) 15% Small/Mid Cap (VXF) 15% International (split evenly between VEA & VWO) 5% Alt Assets (GLD, DBC, VNQ) 5% Speculative Stock Picks (across my risky passion picks) And I keep a folder in ChatGPT where it remembers that, and every three months I share my current positions/values for each account (2 401(k), 2 IRAs, 1 Shared Brokerage) - and if rebalancing is needed it queues up what buy/sell orders I should make in each of my accounts. Saves me a lot of spreadsheet time.

DaveDubai

Is it worth picking individual stocks if I already invest in a passive ETF portfolio? Hi all, I currently invest through Sarwa, a robo-advisor based in the UAE that builds diversified portfolios mainly using global ETFs like VT, VWO, AGGH, etc. It’s designed to be long-term, low-cost, and passive — sort of like a set-it-and-forget-it approach. But lately I’ve been wondering: Am I missing out on bigger growth opportunities by only investing passively? I want to diversify, but I also don’t want to lose out by not holding any high-growth individual stocks. I’m especially interested in sectors like: • AI / Tech • GLP-1 / weight-loss healthcare • Defense & Aerospace • Cybersecurity • Renewable / transition energy Would love to hear your thoughts: • Is it worth adding a few individual stocks alongside a passive ETF portfolio? • If so, any recommendations for solid companies to look into right now? Thanks in advance!

DaveDubai

Is it worth picking individual stocks if I already invest in a passive ETF portfolio? Hi all, I currently invest through Sarwa, a robo-advisor based in the UAE that builds diversified portfolios mainly using global ETFs like VT, VWO, AGGH, etc. It’s designed to be long-term, low-cost, and passive — sort of like a set-it-and-forget-it approach. But lately I’ve been wondering: Am I missing out on bigger growth opportunities by only investing passively? I want to diversify, but I also don’t want to lose out by not holding any high-growth individual stocks. I’m especially interested in sectors like: • AI / Tech • GLP-1 / weight-loss healthcare • Defense & Aerospace • Cybersecurity • Renewable / transition energy Would love to hear your thoughts: • Is it worth adding a few individual stocks alongside a passive ETF portfolio? • If so, any recommendations for solid companies to look into right now? Thanks in advance!

DaveDubai

Is it worth picking individual stocks if I already invest in a passive ETF portfolio? Hi all, I currently invest through Sarwa, a robo-advisor based in the UAE that builds diversified portfolios mainly using global ETFs like VT, VWO, AGGH, etc. It’s designed to be long-term, low-cost, and passive — sort of like a set-it-and-forget-it approach. But lately I’ve been wondering: Am I missing out on bigger growth opportunities by only investing passively? I want to diversify, but I also don’t want to lose out by not holding any high-growth individual stocks. I’m especially interested in sectors like: • AI / Tech • GLP-1 / weight-loss healthcare • Defense & Aerospace • Cybersecurity • Renewable / transition energy Would love to hear your thoughts: • Is it worth adding a few individual stocks alongside a passive ETF portfolio? • If so, any recommendations for solid companies to look into right now? Thanks in advance!

DaveDubai

Is it worth picking individual stocks if I already invest in a passive ETF portfolio? Hi all, I currently invest through Sarwa, a robo-advisor based in the UAE that builds diversified portfolios mainly using global ETFs like VT, VWO, AGGH, etc. It’s designed to be long-term, low-cost, and passive — sort of like a set-it-and-forget-it approach. But lately I’ve been wondering: Am I missing out on bigger growth opportunities by only investing passively? I want to diversify, but I also don’t want to lose out by not holding any high-growth individual stocks. I’m especially interested in sectors like: • AI / Tech • GLP-1 / weight-loss healthcare • Defense & Aerospace • Cybersecurity • Renewable / transition energy Would love to hear your thoughts: • Is it worth adding a few individual stocks alongside a passive ETF portfolio? • If so, any recommendations for solid companies to look into right now? Thanks in advance!

DaveDubai

Is it worth picking individual stocks if I already invest in a passive ETF portfolio? Hi all, I currently invest through Sarwa, a robo-advisor based in the UAE that builds diversified portfolios mainly using global ETFs like VT, VWO, AGGH, etc. It’s designed to be long-term, low-cost, and passive — sort of like a set-it-and-forget-it approach. But lately I’ve been wondering: Am I missing out on bigger growth opportunities by only investing passively? I want to diversify, but I also don’t want to lose out by not holding any high-growth individual stocks. I’m especially interested in sectors like: • AI / Tech • GLP-1 / weight-loss healthcare • Defense & Aerospace • Cybersecurity • Renewable / transition energy Would love to hear your thoughts: • Is it worth adding a few individual stocks alongside a passive ETF portfolio? • If so, any recommendations for solid companies to look into right now? Thanks in advance!

Poundcake2Red_Velvet

If BRICS can create an economy outside of the USA, led by China and India, then the money supply will shift from America to Asia, mostly into China and India. VWO and similar are mostly invested in China and India, so if the market does shift away from the USA, people are expecting it to shift to these two places as they are already where most of manufacturing occurs alongside their combined population of ~3 billion people, which equates to 3/8 of the world's total population. personally have 55% international portfolio with 15% VWO tilt and expect the positions to do very well for the next 30 years. Also only allocation to international because I won't invest in tarrifland, fundamentals suck currently.

iCameToLearnSomeCode

I didn't add anything to the account. This was just the rebound after the latest TACO bullshit. GOOGL, SPY, VWO, and a couple others.

Prudent-Corgi3793

Foreign markets ripping today: - IDEV (MSCI Developed ex-US): +1.82% - DFIV (DFA Developed Large Value): +2.39%! - IEMG (MSCI Emerging): +0.90% I prefer VEA and VWO for their lower expense ratios, but DFIV benchmarks against the MSCI instead of FTSE.

Darth_Candy

Looks like a reasonable enough factor-tilted portfolio. Depending on the account balances you may want to tweak things down the line; it’s probably best to set an allocation target for the overall portfolio and pick what to do with each contribution based on that. For example, if you contribute way more to the IRA than the taxable account, you’re probably overshooting your small value international stocks and undershooting the VEA/VWO non-factor goals. Placement wise, you want the dividend fund in the tax-advantaged account and the down payment money in the easily accessible account, so that’s correct. Tax-managed in the taxable account is a nice touch that most people would overlook.

Mountain-Goal-3990

A good portfolio is about 50% in stocks, bonds, and real estate and international. Then, 25%+ in risky assets that are likely to grow. VTI has some flaws but it is good enough. I would add some short term corporate bonds in the mix and some international exposure. Then add a small amount of VWO and MGK into the mix. SPYG is good and can replace growth in MGK. The reason vanguard ETFs are superior is that they reinvest the stock loan interest back into the fund.

First-Finger4664

Some great options: VXUS - basically the whole market outside the US VEA - the whole developed markets (Europe and Japan/Australia mostly) VWO - the whole emerging markets VYMI and VIGI - international high-dividend and dividend growth ETFs: these are large-cap funds tilted slightly towards value, profitability, and lower volatility VT - the ultimate “I just want average returns” stock, it holds essentially all investable stocks on earth weighted by market cap (size), so you could just sell whatever you have, buy this, and call it a day. Some higher expense ratio options you might want for specific purposes: AVDV and AVES - these are well regarded small-cap value funds for developed and emerging markets FEZ and AIA - these are ETFs of the largest 50 companies in Europe and Asia. If your investing thesis is “I like companies that have already cornered the market because they probably have competitive advantages”, this might be for you

First-Finger4664

Those 3 funds are more or less the same thing (VTI is weighted by market cap, so it is largely composed of the stocks in VOO/SPY), so just pick one of them. After several years of historic returns, the US market is severely overvalued and poised for a decade of poor returns (i.e. a big crash followed by a return to more normal growth). You would do well to put some money in something like VEA or VIGI (international large cap growth/blend) or VWO (emerging markets) so that your portfolio better weathers a downturn. Investing in lower-performing but lower-volatility equities, and regularly rebalancing between them during downturns, actually leads to *better* long-term performance - you can do some simple backtesting online using different mixes of VOO, VYM, and VIG to convince yourself this is true.

yaletown28

You’re already pretty growth-tilted VUG + QLD gives you serious upside. If you want to go more aggressive, maybe dial up QLD slightly or add some EM like VWO for non-US exposure.

BRK_B__

my 15% VWO tilt is gonna fnk print in 30 years

Prudent-Corgi3793

Huawei is privately owned. There's a higher risk premium to be expected for investing in emerging markets, and particularly for the Chinese market to US and Western investors given geopolitical tensions. But at some point the valuation becomes enticing. Note that approximately 50% of the responses in any thread related to China suggest they would not invest in China at all, suggesting that they are ideologically opposed to it (i.e. there is no valuation cheap enough to make it worth their while). Personally, I don't own Chinese stocks or ADRs, nor do I own Chinese-specific ETFs (paying 50-75 bps is ridiculous, why pay a much higher expense ratio for single country risk when you could diversify while get it much cheaper?). But I'm more than happy to get that exposure by paying 7 bps for passively managed emerging market ETFs like VWO or 33-36 bps for factor-tilted AVEM or AVES (where value premia have outperformed and which return some of the expense ratio in the form of higher foreign tax credits anyway). Likewise their counterparts in developed countries.

Hungry-Brain-3287

Mine returned IDMO vs. VWO. I think it's just trying to make sure you have international mixed in, and VWO is technically "growth". The DAX has been CRUSHING it this year. I wouldn't normally invest in an ARK etf, but that Q one has some decent picks that I already hold. I just won't fuck with TSLA.

Xiaopeng8877788

Chill, facts first. You’re quoting SPY’s raw price, but context matters: the outperformance gap still stands. - SPY is up ~7% YTD (price), sure — but international stocks (ex-U.S.) are up ~15–20% YTD depending on the index. - IEFA (MSCI EAFE ETF): +10.2% YTD - VEU (Vanguard FTSE All-World ex-US): +12.7% YTD - Emerging markets (VWO): +11% YTD Now factor in the USD’s ~10% drop — international assets are worth even more in real purchasing power terms vs. USD-denominated gains. That means U.S. stock gains are being eroded globally. Also: if you’re counting total return, SPY’s 7% becomes ~8.5% with dividends. But international ETFs pay similar or higher dividends, so the gap still widens when including those. Lol… YTD SPY vs international and still crying about its dismal performance. So uninformed

BRK_B__

I like VGT and IVOO to tilt my portfolio. You should also look into emerging markets as a tilt if you are comfortable with even more risk, I like VWO for mine, but since VXUS is ~1/4 emerging markets, I don't add anything significant to this tilt but I do believe China and India will outperform developed nations in the long term so I told extra.

Strange-Resource-305

It can be, and time horizon is a major factor. If you have a 10+ year time horizon, then you may not need to have specifically international index funds because as pointed elsewhere mega caps get a lot of revenue internationally, but for shorter time frames it should probably be considered. Case in point was this past year, while VOO was still recovering, VEA and VWO were showing good gains over the same period.

Based_Commgnunism

Target Date Fund is fine. The only issue is it has 10% bonds and bonds grow less than stocks. You arguably don't need bonds until you're closer to retirement. The reason they are in target date funds is just to reduce volatility a little bit so people don't freak out and sell, and to get people used to having bonds so they realize they actually do need them later. You also get the advantage of a rebalancing effect, automatically buying low/selling high to maintain the 10% allocation, and this offsets some of the gains lost by having bonds in the first place. The other option is to have a total world market fund (like VT or an equivalent). In a 401k you may not have this but may be able to build it out of other funds. My 401k has no VT but has VTI/VEA/VWO which combined in the right percentages make VT. You will have slightly more growth this way because there's no bonds. But you will need to add bonds separately at some point when you are closer to retirement.

komerj2

How did international markets behave during that time? Were funds like VWO and VEA as hurt?

Antifragile_Glass

Just buy and DCA into VEA and VWO for the long run and be done with it

Spare_Boot8043

I mean if you mean long term as in retirement i would highly recommend concoction of mighty 4 , you cant go wrong: SCHD: 35% VOO: 25% VYMI:25% VWO: 15% Never ever miss DCAing , cheers! 🥂 (Ps: make sure you have emergency funds aka 6 month shield for rainy days)

Charming_Mushroom_70

Yeah, the tilts are intentional. SPLG and VEA/VWO give broad global exposure. QQQM is a growth tilt I believe in long-term. AVUV, AVDV, and AVES add small/value exposure in the U.S., international, and emerging markets. Areas with strong evidence for long-term outperformance. Might look complex, but the goal is to diversify globally and tilt toward factors that historically add return.

xiongchiamiov

Yep. I think it's easier to use something like VEA and VWO though if you just want the full caps, rather than needing to extend SCHF and SCHE. Most often what you hear from folks who want to target that segment is that they're trying to capture the factor investing small cap value premium, and so they're looking at ISVL, AVDV, etc. At market caps, those segments are so small that I really don't think it's a big deal. https://www.bogleheads.org/wiki/Blackrock_iShares btw has a good table of etfs from the major providers if you want to compare.

IronyElSupremo

It’s 60/40 stocks vs bonds so that’s more the classic risk/reward ratio since the late 1950s. It’s actually pretty good, just some duplication can be simplified; VB can be rolled up into VTI, VWO can be rolled up into VXUS and even VNQ is likely inside VTI already = so that gives 6 ETFs to track instead of 9, all while covering the same stocks.

Kooky-Factor4796

VTI, VTV, VBR, VEA and VWO or the equivalent from other fund providers.

NoYeezyInYourSerrano

Regular investments into QQQ and VWO and never taking any of it out.

KitchenThen8629

VEA and VWO perhaps

DavidMeridian

I advise you include a "total market" fund or two, such as VTI (US mkt), VEA (non-US developed mkt), VWO (emerging mkt), etc. In lieu of QQQ, consider FTEC or VGT for the US tech index (both have lower expenses than QQQ). I would definitely not put 25% in BND.

paper_plains

I have just recently been researching this and here is where I am starting to look into. For a pure currency play, currency ETFs like FXE, FXB, FXY, or CEW (multi-currency strategy). For both equity growth and currency exposure, ETFs like VEA, VWO, IEFA, or IEMG. I haven't gotten too far into research on these individually, but that is my plan for this weekend and create a port strategy.

DavidMeridian

I advise investing in low-fee index ETFs. Examples include VTI (US total market), VEA (non-US developed markets), and VWO (emerging markets).

DavidMeridian

The first step is to come up with an asset allocation, and *then* choose the securities to conform to that allocation. Your allocation can factor in your individual circumstances & concerns. Your very short-term/rainy-day fund should definitely be in a stable fund such as a HY savings account or MM fund in a brokerage account. On the opposite side, long-term assets should be in indices that tend to grow over time (stocks/equities). VTI, VEA, and VWO come to mind. Companies that derive income from foreign markets (even US-based companies) act as an indirect USD hedge (and will deliver better long-term performance than an FX fund). I'm concerned about the USD as well, but it's definitely not going to collapse overnight. If value of USD is eroded due to inflation, then equities is your friend. If value of USD is challenged by other foreign currencies, then the result may be very good for export-driven companies in the US. If you're not sure & want to simultaneously contain your risk while also getting a reasonable return, then a diversified portfolio that you buy/hold is the best option. NB: consider also tax-efficient holdings, for any securities held in a taxable account.

Canamerican726

Probably also want to consider international diversification. Going 100% into the US isn't diversified, and a bit of a dip into internationals can give some hedge against the current fiscal policy in the US. (VXUS, VWO, etc).

Beautiful_Scar_6608

Honestly, for someone in their early 20s with a long time horizon, this is a pretty solid mix — well-diversified and definitely leaning into growth while still hedging a bit. You’ve got U.S. broad market (VTI), tech (QQQ), international (VEA/VWO), and a sprinkle of thematic plays like clean energy (QCLN), biotech (IBB), and even a dash of crypto. Love the ambition. If anything, you could maybe simplify a bit — QQQ overlaps a lot with VTI already, and QCLN/IBB can be spicy, so just make sure you’re okay with the ride if things get choppy. Also, 5% in bonds (plus VGSH) is totally fine, but might not move the needle much at your age unless you're really set on some stability.

Express-Let391

Your 37 as long as you have a 3-6 month emergency fund take a second look at a low cost s&p fund like VOO maybe add VEA and VWO inside a Roth IRA. As long as you have over a 10 year time horizon that really is the best bet. Possible good long term example for $500 VOO-300 VEA-100 VWO-50 VB-25 Bitcoin ETF-25

Canamerican726

Might be a good idea to add some diversification out of the USA as well. VXUS, VWO. Diversification inside the US is good, global diversification is not a crazy idea these days.

ILuvAnneHathaway

VWO – Vanguard FTSE Emerging Markets ETF SPMO – Invesco S&P 500 Momentum ETF VEA – Vanguard FTSE Developed Markets ETF SPHQ – Invesco S&P 500 Quality ETF IVV – iShares Core S&P 500 ETF SCHG – Schwab U.S. Large-Cap Growth ETF BND – Vanguard Total Bond Market ETF VB – Vanguard Small-Cap ETF Is this a good portfolio for my Roth IRA ? I’m 21 , I just made it on robinhood and this is what they gave me , but chatgbt said I should consolidate all the ones that are similar / track large cap SMP ? So what do you guys think

GAV17

There where a ton of options in 2010. You had VEA, VGK and VWO for example. Also what's the point of "filtrred through a US basis" when talking about the US? ADRs move the same one as the underlyng asset.

zealousmisty

Canadian. 40 years old. 25 years (or less - hopefully!) until retirement. I understand I'm a bit underweight in international equities. Tariff situation aside though, I'm very bullish on US equities long-term. Would welcome any feedback! VOO - 50% QQQ - 20% VXUS - 10% VWO - 5% AVUV - 5% SCHD - 5% ROBO - 2.5% GNOM - 2.5%

mhoepfin

Tips etf (SCHP) 30% High quality corp bond etf (LQD) 20% A small amount of total us market etf (VTI) 10% European market etf (VWO) 20% Emerging market etf (VEA) 10% Bitcoin etf (IBIT) 10% Possibly reallocate to specific sectors like consumer staples, semis, etc if they begin to look attractive. As we start to bottom, begin positioning back into the us market.

Luddites_Unite

Do that. As you build a nice base, later on down the line, years even, you could start diverting 10% of your weekly contributions to options but in 20, 40, 60 years you'll be glad you bought a broad based etf and chilled. If I were you I would split between spy, and something international like VXUS for total international, VEA for developed international, or VWO for emerging markets.

MelbourneBiology

Set up automatic transfers from your bank to a trading account. Set up automatic purchases spaced to whenever you can afford- once a month, once every 3 months, once every 6 months doesn't matter. Choose a strategy that is proven, no day trading or bull shit like that. Don't check your portfolio except for taxes and rebalancing. BC you will fuck up and sell at the wrong time. If you ever think you have found genius buy, you haven't. You aren't "early" everyone else just realised why it's a shit trade before you. Never try to be smart and come up with something original. "Smart ideas" are only allowed if you get an economics degree, then a job as an investment banker, then outperform everyone on your floor. If you don't tick those boxes, your next great idea is probably shit. Get the fuck off Reddit financial pages. Everyone is here to laugh at the idiots who are about to go broke. Approximately what I do based advice from a professional: 25% – VTI (Vanguard Total Stock Market) Why: Broad exposure to the entire U.S. equity market (large, mid, and small-cap stocks) 10% – VWO (Vanguard FTSE Emerging Markets) Why: Exposure to higher-growth economies like China, India, and Brazil 25% – ETF: VXUS (Vanguard Total International Stock Index) Why: Diversifies beyond the U.S. with developed and some emerging market stocks 15% – Gold ETF: IAU (iShares Gold Trust) or GLDM (SPDR Gold MiniShares) Why: Hedge against inflation and market volatility 25% – Bonds ETF: BND (Vanguard Total Bond Market) Why: Adds stability and income, especially useful during market downturns

chittershitter

Ignoring BNDX, better than 95% of the holdings in VWO, VGK, and VPL are already covered by VXUS. While VXUS covers the markets except US, you're extra holdings are adding weight to everything else that isn't Canada or the Middle East. Why?

DIYPeace

Aye. I’m in VWO, VXUS, VGK, BNDX, and VPL. The rest of the world may experience some troubles but I do believe they are severely undervalued vis-à-vis the U.S. If you can deal with the tax work, wouldn’t hurt to exchange for some euros to own some European stocks.

Safe-Drag3878

VWO has increased by an impressive 3% since 2015! Sure thing buddy... [https://finance.yahoo.com/quote/VWO/](https://finance.yahoo.com/quote/VWO/)

BRK_B__

VWO will print this decade

DavidMeridian

VEA, VGK, VWO, VXUS, etc. Note the similarities & differences in those funds/ETFs before investing. All are in non-US equities.

Intrepid-Golf732

Hong Kong. Lot's of money printing there - it should take off at some point. Check out VWO or CQQQ

Scottysnorts

Hello everyone! Im new to the investing community and just have a general question about my portfolio. So i’ve been investing in different assets stocks trying to diversify my portfolio, but as i’m doing research on portfolio strategies a lot of people are saying that diverse portfolios are not a good strategy and to only invest into one stock/asset. So have I been investing wrong this whole time by investing in different asset stocks like QQQ, O, GLD, VWO, VEA? I am 24 years old and plan to keep these shares for 35 years +

blorg

They are European (Irish) domiciled UCITS ETFs. If you are non-American these are the better choice for tax purposes. If you are American though, you'd be better off looking at US-domiciled ETFs, UCITS are very problematic for US persons, tax treatment is punitive. If using a US broker it's also easier to buy US ETFs. VXUS = whole world ex-US, VWO = emerging markets, VGK = developed Europe. These are all denominated in USD but unhedged and the underlying companies are foreign so you have full exposure (what you want). Any ETF or company (i.e. ADR) with holdings outside the US, that is unhedged, you get the foreign exposure including currency. Avoid hedged, that attempts to remove the currency variation, which is not what you want, and also this hedging costs.

stockcapture

This thread ages well. I just move half my VTI into VWO due to the current tariff situation.

One-Establishment847

Dude QQQ, SPY, VWO or VOO were reliable to invest, but these days QQQ has become a new meme or penny stock. They are well balanced generally got a growth of 10-12 percentage over a year period and are low risk ETFs

blorg

So far, the markets are pricing that it's going to hurt everyone, but the US more. https://stockcharts.com/freecharts/perf.php?VOO,VGK,VXUS,VWO&n=2&O=011000

BoatGuy130

Extremely inexperienced ETF investor here. Am i correct in assuming that the ≈5% drop in VTI, VWO, VEA; is a good thing? No clue what I’m really talking about obviously.

TopherBrennan

I have VXUS as an ETF; I'm pretty ETF pilled. I don't have any others right now but until recently I was very nearly full-porting VT. VTI and VWO are mostly just in there as a point of comparison, to be honest.

TopherBrennan

Checking in on my favorite stock ETFs like: \* VT: -3.95% \* VTI: -5.03% \* VWO: -1.80% \* VXUS: -2.00% I think the funniest part is people used to say emerging markets were risky...

DosesAndNeuroses

checkout the 1 yr charts on the Vanguard ETF's invested in foreign markets (VEU, VGK, VWO, etc). they all spiked in January after a sharp decline and have been going up since. *** this weird show Trump's putting on with Elon and the tariffs is definitely about market manipulation but I think it's more of a smokescreen for him to manipulate foreign markets. *** they're both rich enough to weather any storms in the US market... and of course, take advantage by shorting now and buying back at the bottom. but I still think that's just an added bonus... the real target of the manipulation seems to be in foreign markets. there are a lot of foreign investors in the US market... even though the guy's a reckless clown, this really might be about keeping US profits in the US economy by forcing foreign investors to pull their money in a panic and invest in their own markets. and of course, if this was his plan, I'm sure he's also profiting from those markets as well. *** it's just a theory... there's no way to know what the fuck he's gonna do next and other countries are reacting the same way we are... with uncertainty, but I suspect our market will bounce back eventually. in the meantime, it's worth watching how the foreign markets are reacting. there's definitely some opportunity there.

NoPomegranate451

As you indicate VT is very heavily US focused. Sticking with Vanguard ETFs I'd look at VXUS, VSS, and VWO. If you wanted bond exposure they offer BNDX and VWOB. There are also a ton of single county ETFs from various sponsors so you could spread out even further if you want to.

Cruian

For a single fund, VT is the broadest, covering at least large parts of everything else you listed, if not actually essentially fully holding them. VOO and VTWO are different parts of the US market: VOO being the S&P 500 (more or less the 500 largest companies), VTWO being essentially ranks 1001-3000; VTI would be essentially the US total market: VOO + VTWO + that gap from basically 501-1000, plus some after 3,000. SCHD and QQQ are also US market funds, but have other inclusion criteria and have moderate to heavy overlap with at least VOO, though a decent chunk of SCHD does appear in VTWO as well. By weight, over 60% of VT right now is the US market. VWO is emerging markets, so no US, but is basically fully included inside of VT. VT would also be the only non-US developed market coverage of the funds you listed.

Red_Bullion

Tilting growth with QQQ and value with SCHD at the same time essentially has the effect of buying neither. They pull in opposite directions, cancelling each other out. Buying VOO and VEA is a great idea. You can make it even simpler but just buying VT. VT is like holding VOO, US small and mid caps, VEA, and VWO all in one fund. It's just the whole market in one.

RussianMK

VXUS and VWO You also have no small caps in your portfolio. And are growth heavy

MindMugging

VXUS is good because it’s all world so it’s a 1 stop fund kind of deal If you want to get granular then - APAC: VPL - Europe: VGK - Emerging market VWO - em ex China EMXC

Relevant-Highlight90

If the US economy is recessionary that can be good for emerging markets. VXUS is about 25% emerging markets. If you wanted more exposure you could grab a little extra VWO.

pigglesthepup

VXUS is developed + emerging. VEA is developed only; you would need to pair it with VWO to cover emerging. VXUS if this is only in one account and you're okay with keeping your total international allocation capitalization weighted. VEA + VWO if you're using an asset location strategy and/or increase/decrease exposure to developed/emerging (there are more tax-efficient versions of VEA + VWO, but this keeps things simple for now).

Droo99

If I recall correctly it makes sense to buy ex-US funds in taxable accounts to make the foreign tax credit less of a mess. I own VEU and VWO and um VSS I think which are examples like that

pigglesthepup

Diversify internationally. VXUS or VEA + VWO.

flyinsdog

You can invest with conviction in VXUS or VWO then. Something has to replace the USA. Nature abhors a vacuum!

mhoepfin

Suggest just buying VEA and VWO

BullishGainz-

Diverse but growth focused portfolio. At minimum I’d say just do VTI or VT and then savings. What I do is I have a subreddit called BullishGainz that explains my porfolio theory VTI 50% SCHG 10% AVUV 5% VWO 10% VEA 10% IBIT 10% SGOV 5%

SnooRevelations7224

VWO is paying off nicely today

PotentSalus

I tried to trade and outperform the market it was too stressful and I wasn’t even outperforming. Now 90% of my port is VOO, VTV, VTI, VWO & cash. I keep 10% in a separate brokerage that I will actively trade if I feel like it.

Digital-Doc-777

Buy a little VXUS and VWO as insurance for some foreign exposure.

SirGlass

If you want international exposure I would say VXUS as I still think emerging markets are still important for diversification If you want to control the split you can invest in SCHF (developed) and SCHE (emerging) with schwab or VEA (developed) and VWO (emerging) with vanguard

mhoepfin

Maybe go to VTI/VEA/VWO and decrease the allocation to VTI. Personally I feel we are too bubbly so I’ve moved more to bonds and Europe and less in US as I use this year to understand what the tariffs and trade war does to inflation and the market. The equity risk premium in US stocks is close to zero so risk off is not losing out on much.

laffer1

I’m investing more in foreign market etfs. VWO and VEA for instance.

redditor20250101

If I couldn't touch it for 2 years I would invest in ETFs, which would auto adjust stock holdings, and some hedges. In particular, buy $10k worth of I-Savings bonds, and then invest 30% in VOO, 20% in VXUS, 20% in VWO, 20% in GLD (in an IRA account), and 10% in VUG. But in real life, I'm watching out for what how Rump will disrupt the economy.

GAV17

Why not just invest in value? You avoid all those stocks. Something like VTV, VO, VB + VWO + VEA is the thing you are looking for.

Dandroid550

Emerging markets, VWO. It's cheap and likely to avoid US shitshow

McKoijion

I'm an all-American free market capitalist, yet somehow I trust Xi Jinping more than I trust Donald Trump. If that's the case for me, it's definitely the case for every foreign leader. Globalization is continuing, just without us. Obviously Chinese communism sucks, but American fascism isn't any better. Liberal democracy is the best form of government (meaning classical liberalism, not liberal/conservative or Democrat/Republican.) The problem for America is that there's a ton of liberal countries out there now. The US isn't even in the top 10 on the Heritage Foundation's Index of Economic Freedom and Cato Institute's Human Freedom Index. https://www.heritage.org/index/ https://www.cato.org/human-freedom-index/2024 America is rich because American businesses generate revenue from all around the world. America First policies are cutting off our biggest inflows. Trump says he's making deals, but who wants to waste time negotiating deals on every little thing? I don't negotiate investments in small businesses. I buy stocks, bond, and options at market price in an open free market auction. This is why the involvement of politicians, lawyers, union leaders, etc. in a given investment is generally associated with lower returns. The US market has outperformed foreign markets for a long time. But I think we might look back at this as the inflection point where VXUS, VWO, SCHE, etc. started outperforming VOO, SPY, VTI, etc. If you've been overweighting US stocks in your actual, non-gambling, portfolio, I think now's the time to get back to global market weight.

advantage_player

China makes a copy of ChatGPT for $10 and my VWO calls are still getting cooked. Real nice guys

SBTM-Strategy

Next to the US (chipsets + software), China (an “emerging” country for many ETF purposes) actually has a highly skilled workforce that will likely revolutionize the **application of** AI in consumer products. And if only they were able to get those NVDA chipsets… they could become the new tech super power of the world. For this reason I’d considered a crazy investment in CQQQ, but the risks of their governments interference with markets were just too high for me. I carry 10% VEA + 10% VWO purely for Ex-US diversification. Unfortunately, I don’t expect them to perform well.

15rthughes

Looking to get feedback on Robinhood’s suggested portfolio mix for my Roth IRA: ​IVV 44% VEA 22% SPMO 8% QUAL 8% VB 7% SCHG 6% VWO 5% I’m 28, aiming to max out my contributions going forward and will be rolling over my current Roth 401(k) (roughly $17k) into this account since I’m changing jobs and new job only has a SIMPLE IRA plan.

SBTM-Strategy

How about “to switch”? I hate VXUS. The Brits sip tea or make a toast every time somebody buys VXUS and stimulates their boring economy. Hehe. Instead, consider: VEA + VWO at a 2:1 or 1:1 ratio VEU + VWO VEU + AVDV CQQQ (maybe just a sprinkle for fun?! Sort of like the Chinese NASDAQ)

One_Psychology_6500

You want to buy LOW and sell HIGH. People say “oh, suuuuure. Easy to say, improbable to actually do…” Look at NVDA vs BABA. Anyone who wants, remind yourself with the bot to look at the performance from here over three years. Or do it with VTI vs VWO. Everyone who wants to outperform VOO needs exposure to emerging markets going forward.

Yukas911

No one asked about BTC here. That's not part of emerging markets. Think ETFs with stocks in places like Brazil, India, China, etc. (E.g. Vanguard's VWO).

journalctl

Yes, EEM (the oldest emerging markets ETF) has delivered a solid 8.38% return since inception and is uncorrelated with developed markets. That's a 9% return if you account for the overpriced 0.70% expense ratio that the fund has (you would use VWO or IEMG today which are both under 10 basis points).

Technical_Formal72

You’re missing international equity exposure and possibly bond exposure in your recommendations. Don’t allow your personal bias to influence OP’s decisions. These are average options for U.S. equities exposure… VTI or VOO + AVUV will suffice. For a properly diversified portfolio you should add VEA + VWO or VXUS for a total international exposure. If you’re looking to increase compensated risk AVDV + DGS would be a solid compliment to VXUS or VEA + VWO. Finally adding bond exposure could be beneficial with STRIPS if you have a long investment horizon or short/mid term treasury bonds otherwise.

erasergunz

Okay. So you think I should just dump everything into VOO? Initially I read that it's good to keep bonds, since I am planning on saving this for the future. But if my age is a factor, I can definitely do that. Ive also been looking at VWO, which is another Vanguard ETF in foreign markets (Taiwan Semiconductor, Tencent, etc). I do like VOO, but I keep hearing "diversify".