VWO

Serious_Tree31

It’s not letting me add picture Current ETF s are : SCHD SPHQ SCHD BND VOO VWO

Fair-Guitar2117

Question for the thread: for those of you who hold international exposure (VXUS, VEA, VWO or similar), how are you thinking about the allocation right now? I've been at 70/30 domestic/international for years but have been reading more arguments for increasing international weight given US valuations (CAPE around 35+) vs. developed international markets trading at significant discounts. Not suggesting market timing, but wondering if people are revisiting their target allocations vs. just their tactical positioning.

GrandRare1634

Most people are happy with VXUS for international investment, which is roughly 2:1 Developed to Emerging markets. I've chosen to be essentially 1:1 in those by investing equally in VEA and VWO. I'm betting that a lot of countries in the latter (Brazil, South Africa, Mexico, but especially Malaysia, Thailand, Indonesia) have a lot of potential as they grow past low-cost manufacturing and farming and into other industries. Most are tropical/equatorial and have large populations, and I expect a lot of innovation will be needed as these places really start to feel the effects of climate change. Plus China is going to start looking to outsource its own labor costs as it develops quickly, and many of these are right around the corner, across the South China Sea that they already claim to control.

kurai-tsuki

Just put money into VWO or VXUS and you're fine. The last year has been great.

banevaderplus6000

I'm so glad I transferred my Roth to 90% VXUS 10% VWO in early 2025.

banevaderplus6000

me when I still don't understand risk premiums and also think 1/4th of a fund is a small amount but it is a very large chunk of what is supposed to be a diversified investment, in fact VWO is more invested in China than the average EM ETF. btw

ItzWarty

Seems like a simple way to lose big. Btw only 24-29% of VWO is China.

banevaderplus6000

me when I don't understand the documented risk premium of emerging markets and also don't understand that the original comment asking how they can profit from China leaving the game and also don't understand VWO is the simplest exposure to China market.

ItzWarty

> VWO That all-time graph looks painful

banevaderplus6000

VWO

coldbrewmornings

Dropping the 0.3% fee is the right call — that's real money compounding against you for decades on work you can easily do yourself. The VTI/VEA/VWO core is about as clean as it gets. Low cost, globally diversified, nothing to argue with. The SMH 10% is a conscious sector bet on semiconductors totally fine as long as you know what you own. That sleeve can drop 40-50% in a bad year so just make sure your conviction holds when it does. For context I'm 43 running a DIY approach as well. My core is split between SCHG and VTI. SCHG for US large cap growth exposure, VTI for broader market coverage. I also keep a small growth sleeve capped at 10% of my brokerage for higher conviction ideas, with strict entry rules and stop losses. Everything else compounds passively. Your portfolio is essentially what I'd build for someone who wants clean global diversification with a sector tilt. The VEA/VWO allocation gives you international exposure I don't carry — reasonable hedge if US large cap underperforms over your 20-year window.

No_Fig_7835

one you regards explain to me why VWO and VXUS always seems to go up about 2x of spy on an up day

throwawayfinancebro1

If you want actual diversification youd want something like this: VTI – 42% VEA – 24% VWO – 12% AVUV – 14% AVDV – 8%

IronyElSupremo

It’s a great diversified portfolio by “glide path” but they broke it down to different market caps, developed vs emerging, etc.. (iShares has a marketing agreement with Fidelity .. the iShares “core” especially is competitive with Vanguard) … but you could simplify your life if DIY. U.S. stocks is 51% in total.. > Asset Class |Percentage Domestic Stock |51.3% Domestic Large Cap Stock |35.2% Domestic Mid Cap Stock |10.0% Domestic Small Cap Stock |6.1% - IShares ITOT has the large cap, medium cap, and over half the typical small cap; functionally very similar to Vanguard’s VTI that especially r/bogleheads loves. Just keep this one ETF af 51.3% unless wanting to change it with age .. or later going with just the S&P 500 for great returns mostly/less volatility. International (non-U.S. stocks): - IShares IDEV (developed ex-US) contains Canada while the recommended EAFE doesn’t. Probably performance chasing on their part. - iShares IEMG is their emerging mkts etf like VWO in Vanguard. Many combine developed and emerging into one etf IXUS

BroItsMick

VOO is almost 8% nvda & 3% pltr and like 40% tech. What's wrong with IEMG or VWO?

Acrobatic-Song-3151

Nobody knows, too many factors, so I’ve just been admitting that with Vt after decades in the game. If Voo outperforms the next decade we’ll still do just fine.  Just sold some VWO to rotate to VT. It’s running, but I don’t want 1/8th of my money in Tsmc. These ETFs have gotten so lopsided they’re breaking common sense rules. Good luck

GornsNotTinny

GLD, VWO, and chill.

longtermjuggernaut

I think the most prudent decision for individual investors is to buy large amounts of ETF's like VOO or maybe VXF and VWO and then set aside other money to buy individual stocks. Use the VOO as the foundation and then utilize your extra money to buy stocks. The problem with stocks is that people tend to sell too early. If you have winners just let them ride and if a stock plummets you have to get out. Good luck out there.

GornsNotTinny

In November '24 I bought BA, LMT, EUAD, ITA, and RTX. Not sorry about it either. New bet is VWO as the dollar weakens.

jmhfsu

IRA limit for 2025 is $7500 for a 36 year old, so realistically is $625 per month. Any combo of VOO/VTI/VXUS/VWO is going to be fine. In my opinion, your Roth is a great place for growth, so maybe consider VONG. If you’re set on VTI, it’s also fine. You can’t go wrong with this strategy.

GhostSiX1Nine

* VTI (45%) → full U.S. market (clean foundation) * QQQM (20%) → growth + AI/tech dominance * VEA/VWO (15%) → global diversification * BND/VTIP (15%) → volatility control + income * VNQ (5%) →inflation + real asset exposure * SPRXX→ keeping cash here until I am tactically ready to buy I like this strategy; it works for me. * Simplified portfolio * Reduce overlap * Increased exposure to small/mid caps (via VTI)

Fastest_light

It is about time horizon. For young people in their 20s, faithfully invest x dollars a months into core ETFs like VOO, QQQM, VWO, VEA, etc., and never sell (very simple). And with very high probability, they will retire comfortably.

ultraviolet9991

Ok grandpa. I’m a 21 year old trading on margin and have my positions highly concentrated in VWO, TSM, UUUU, DNN, USAR. They’re going to force AI to work whether it works or not and the only way we can have the power we need is through nuclear (UUUU, DNN) it’s also morally right for the environment to go nuclear! We need to stop targeting 10% and go with the safe obvious 20%+ like it honestly makes me sick when people want to open or recommend HYSA. WOW FUCKING 3%. It’s not that hard to pick a 40%+ stock it just takes a few bad picks and you’ll eventually find your forte

Comfortable-Space484

Random internet people, please give me financial advice! 47% VOO 26% VXUS 15% VWO 11% VB 1% BND

TreGet234

Emerging market didn't grow for shit for almost 2 decades but now it's popping. Very fishy. No way this will last. Last time it popped was in the runup to the 2008 crash. VWO would be flat for 20 years without the 2007 and 2025 runups. Nearly 20 years of flatness.

helpwithsong2024

VWO

VanilaaGorila

Selling CSPs on VWO was the easiest money ever. Everyone knows it’s a dump and pump game with this administration. These games only ever last a few weeks. 

Trenbolone-Papi2

Finally had some funds to buy this month-long dip so far: $1200 VTI $900 QQQM $600 VEA $400 IJR $400 IJH $400 VWO

Trenbolone-Papi2

Finally had some funds to buy this month-long dip so far: $1200 VTI $900 QQQM $600 VEA $400 IJR $400 IJH $400 VWO

Bossanova12345

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.

Bossanova12345

VEA VWO VXUS all good.

Bossanova12345

Investing in individual stocks is fine, if they are good compounding companies. You need to do some research. It’s history, competition, recent news, look up its CAGR, Beta, PE and other metrics. But especially lately, lots and lots of companies outperform the SP500, and will continue to do so. My biggest returns past 6 months are STRL, GEV, TSM. But mostly my investments are VEA VWO VUG

Grrismith

VWO. Jump in, the water is warm

ultraviolet9991

VWO is super good for me currently. I’m using it as a hedge against the US economy

marima33

More VXUS would be appropriate as 40% of the world stock market is International. You could also add some Emerging Market separately with VWO or PXH.

Dirty2020

Anyone else have VWO in their port for emerging markets?

Tojuro

VEA (developed economies) & VWO (developing) are another option if you want more control. Each offers very low expense ratio and great diversification.

Due_Reach_1355

VWO emerging market!

satellite779

VWO is not world but emerging markets.

yuhyuhAYE

No need for that. He’s been in office for a year. 2025 full year results for major indexes: VOO (US, 17.8%), VGK (Europe, 35.8%), VWO (World, 25.6%)

Emotional-Power-7242

VXUS, VWO AVDV, DFIV is what I hold. AVDV is up 45% or something crazy in the last year.

burn_bridges

32. 55% US (VT), 30% International (VXUS, VYMI, and VWO), 5% stock pick ems (RTX, RKLB, LMT being primary atm), and 10% short-term bonds (3 months rotating, and ready to deploy if a good opportunity presents itself). Bond holding is high, I know, but I am using it also as a second emergency fund so some liquidity helps.

Emotional-Power-7242

Yeah it's fine. Emerging Markets are riskier than developed markets, so you could go with a fund from Avantis or Dimensional since targeting systematic risk characteristics are their whole thing. But just buying VWO is probably the best option for most investors.

GrandRare1634

VXUS is roughly 25% emerging markets and 75% developed markets. If you want to try a different mix, you can instead invest in VWO (emerging markets, which includes China) or VEA (developed markets). I personally do these 50-50 because I'm making the bet that a lot of those emerging markets (India, Brazil, a bunch of SE Asian countries with manufacturing) have a ton more room to grow in the next few decades). If you *don't* want China, Vanguard also just launched VEXC (emerging ex-China), though it's clear a good portion of VWO's growth is China.

Silver-Minute-3907

I get the “vibes” approach 😄. For 5–10 years, single-country ETFs can work if you really believe in long-term growth trends. Honestly, I treat these as the “fun slice” of my portfolio—VT/VXUS/VWO stay as the backbone. Curious, what drew you to EWY at first?

More_Economics76

’d invest in both **VXUS** and **VWO** to get exposure to both developed markets (outside the US) and emerging markets. VXUS has only about **25%** exposure to emerging markets (China, Taiwan, India, Brazil, South Africa, etc.), with the remaining **\~75%** in developed markets (Europe, Japan, Canada, Australia, etc.). Given that allocation, pairing VXUS with VWO allows exposure to EM rather than letting it be mostly a broad ex-US fund. In the current environment, holding both makes sense.

IronyElSupremo

VXUS is big, and iShares offers their IXUS with less small cap. Also VEU is similar to VSUX and IXUS but with even less small cap (nothing against small cap, but for strict mkt share portfolios, it really does not really affect anything). There’s other choices like iShares ACWX that covers non U.S. large to mid cap but the fees are a bit higher. Another idea is dividing non-US into “developed” and “emerging” like iShares IDIV and IEMG respectively, or Vanguard’s VEA and VWO. Should keep with a MSCI or FTSE index. Mine are 4:1 SGDW at 0.03 er with SCHE at 0.05 er (SPDR and Schwab), .. though I do this to just get cheap non-US large-to-mid caps (no geopolitics, though I like having Korea as a smaller % of DW, FTSE’s developed category, instead of MSCI’s emerging mkt category). Why? I’d rather have expenses working on tracking large to mid cap instead of small caps which won’t really move the needle, but I digress.

Select_Reply

Thanks for your time and responding to all my questions, I appreciate the information! I was interested in SCHF over VXUS as it had a higher growth increase over the last 5 years, and yes the VWO is to get some exposure to emergening markets.

BallsOfStonk

VWO - Emerging markets ETF

Own-Character395

I have a separate investment in emerging markets from developed markets. I'm issuing IEMG and VWO for emerging.

EveryPassage

VOO's index (the S&P500) follows the same logic. >It seems like there's a clear consensus of no trust in this company, Elon, etc. Is it a generally adviseable statement to hold on contributing to investments before the IPO? No, don't let this noise interfere with your longer term investment strategy. Best advice for 99% of retail investors is to not even pay attention to IPOs or single stock news. >I currently just invest in VOO, and was looking to start in non-us like VWO or SCHF. I'm not looking for professional advice, just trying to understand the ballgame better. Having some international exposure is probably a good idea for most investors. I like VXUS to get complete international exposure but VWO (for emerging markets) and SCHF (for developed markets) is also a decent option.

Select_Reply

Hope you don't mind some more questions, I was wondering why people are asking about VTI and not VOO. It seems like there's a clear consensus of no trust in this company, Elon, etc. Is it a generally adviseable statement to hold on contributing to investments before the IPO? I currently just invest in VOO, and was looking to start in non-us like VWO or SCHF. I'm not looking for professional advice, just trying to understand the ballgame better.

cryptopolymath

VWO

Acrobatic-Song-3151

I appreciate the response and the details. I’m actually retired too, walked away from corporate America at 41. I doubled up during Covid allocated those gains to buy three properties. Our goals are likely more aligned than my age reflects.  I’m at 20% international, been trimming VWO because I agree with you on emerging mkts. It’s like that chart can’t ever break through and it Taiwan breaks TSM will be in real trouble. Buffet sold that one early for that very reason. Half of our net worth is buried in real estate and the financial assets are: 50% domestic, 30% bonds, 20% international. The domestic is value oriented. I’ve been trimming domestic daily, flipping to international, and was hoping this last dip would get deep enough to pivot more out of bonds into VT.  Do you have any bond exposure?  I honestly thought long term rates would’ve come down more by now and likely need to trim my blv position, possibly pivot more into vxus. Bnd likely isn’t moving much more after a decent back half of last year. I did well with bonds during Covid, thought I was positioning myself for one more rotation out of them into equities. After taking gains from last April I bought even more. Also kinda addicted to selling tlt puts, been trading it from both sides for years. I’ve just been rebalancing daily and the guys I used to seek guidance from have mostly aged out. They’re still rich, have just been watching them make late age mistakes and think they should hang it up. Guys get so focused on never paying taxes they put their money in investable 1031 zones that are crap shoots. Another one got so confident with option straddles he blew up 300k early last year. 

Live_Equivalent_6677

I like EMXF from iShares. Over the lifespan of the fund, it has actually outperformed comparable non-ESG funds (such as Vanguard VWO for example). They also have DMXF for developed markets and USXF for US.

alegrefranz

First off, great job having the 6 months of savings locked in before starting. That puts you ahead of most people. For emerging markets, VWO (Vanguard) or IEMG (iShares) are the standard low-cost options. Just be aware they are heavily weighted toward China and Taiwan, so check the holdings to make sure you're comfortable with that. For socially responsible funds, look at ESGU or VSGX. But always compare the 'Expense Ratio' against a standard S&P 500 fund. Sometimes you pay 5x the fees for a portfolio that is 95% identical

Bossanova12345

Timeline and goals advice: ==================== 40 USA Employed. Unmarried. $280,000 Goal is to cut way back on work. In 5 years go part time. Risk tolerance quite high. Mortgage $1300. Car paid off. No student loans. Investments: VUG 98k VEA 96k VWO 35k VTV 90k Individual Stocks 90k Mostly Tech and compounders like ORLY MCK MSFT LLY and Google. ============== The problem is I can’t get a clear answer on how much I’ll need to live off, and how much I can cut back my hours. What my time table actually is. I both love and hate my job. The stock market is incredibly volatile, and with the dollar amount I have it swings by the thousands most days. But overall it seems to seesaw. It was crazy during Covid, and of course with Trump. I missed the first half of bull market paying off loans. Kicking myself and frustrated. Feel stick.

Acrobatic-Song-3151

Yesterday I allocated another 20k out of Spy and Vym into vxus.  I didn’t sell more VWO because it’s been down a few days in a row and maybe being slightly overweight emerging mkts isn’t the worst. It might be smarter to just move it all at once, but I tend to make incremental moves.  International up nicely pre Mkt. Zoom out on that chart to the 5 and 10Y vs Spy and then look at dividend yield if you’re thinking of allocating more to vxus. I’ve never owned much international and it just seems like it time to at least allocate real money.

Acrobatic-Song-3151

When will they recalibrate some of these funds to lessen concentration risk? VWO with 11% in TSM and VYM with nearly the same in Avgo isn’t my idea of diversification. I just keep selling both rotating more into vxus. 

darryl__fish

all the intl etf's are down, idk about specifically europe. VWO, VXUS, IEMG

Cruian

>Nearly all U.S. industry sectors have outpaced EAFE in earnings growth and valuation expansion since the GFC The valuation expansion is what's worrying (and the article itself seems to point to Chase saying they expect that the US's multiple will contract going forward). >Several factors are driving that difference, including U.S. technological innovation, more efficient operations and shareholder-friendly government policies, such as corporate tax cuts. Some of these may be sustainable, but others may have been one time boosts we may not see repeated. Was this article the source for your claim on: >VEA and VWO are at the highest CAPE since the DotCom bubble like the US If so, I missed it. I do find it nice how this article does go on to point to some weaknesses with the US and supports an international position of 25-30% (though they seem to only be looking at developed, no emerging).

Cruian

>The answer is that the US has showned that it is the only developed market with consistent earnings growth for the last 2 decades Can you please provide a citation? >Both ETFs just now getting to their 2007 level prices. Price returns don't tell the whole picture, as total returns takes dividends into account, and those tend to be higher outside the US than inside. >Valuations are terrible around the world, VEA and VWO are at the highest CAPE since the DotCom bubble like the US Can I please get the citation for this as well? I'm seeing VXUS with a current P/E of 17.1x (https://investor.vanguard.com/investment-products/etfs/profile/vxus#price) while the CAPE seems to have been above 20 (on page 6 of that AQR link) during the dotcom bust and it had gone over 25 just before the financial crisis (which was after dotcom).

Skeepdog

I have VEA, IEFA, SFNNX, EEM,VWO, LXEMX, HAINX, and PIVYX in various accounts. 🤣. Bought at various times in a few different accounts. I like IEMG/VEA. Part of me thinks active managed funds could be able to beat the indexes in international and small cap markets for a while though. There are a lot of sleepy companies.

tutorbkk1

Just bought VWO, however don't follow my lead as I bought Microsoft last week and look how that turned out.

GAV17

> The last decade+ of US out performance was mostly just the US getting more expensive, not US companies being much better than foreign companies: https://www.aqr.com/Insights/Perspectives/The-Long-Run-Is-Lying-to-You (click through to the full version) This is disingenuous. The answer is that the US has showned that it is the only developed market with consistent earnings growth for the last 2 decades. The valuations premium comes from Europe, Japan, etc. being adverse to growth for a ton of factors. Valuations are terrible around the world, VEA and VWO are at the highest CAPE since the DotCom bubble like the US. Both ETFs just now getting to their 2007 level prices.

Puzzleheaded-Score58

VTI is US only. VXUS is a pretty good choice. You can even augment it with VWO, which has been decent.

Skeepdog

Good idea IMO. Schwab Fundamental International Equity Fund SFNNX is an active fund that’s well managed and has outpaced the developed mkt index ETFs. But ETFs are usually my rec. IEFA or VEA are two developed mkt ETF’s with the main difference being IEFA includes South Korea and Canada, VEA doesn’t. EEM and VWO are emerging market ETFs. You do get China at 25-30% of these which hurt them until mid ‘24, but strong since. There are also active emerging market funds like LZEMX and there’s a good case for active in these markets. International markets have been outperforming the US recently but still avg ~35% lower on forward PE so there’s room to continue, and strong cash flows into these ETFs continue into 2026. They have good yields as well - around 3% for the developed mkt funds. Finally - the weakening dollar and the “sell America” trade help near term performance. Diversification away from the Mag 7 and US only portfolios is just good risk management.

Skeepdog

Good idea IMO. Schwab Fundamental International Equity Fund SFNNX is an active fund that’s well managed and has outpaced the developed mkt index ETFs. But ETFs are usually my rec. IEFA or VEA are two developed mkt ETF’s with the main difference being IEFA includes South Korea and Canada, VEA doesn’t. EEM and VWO are emerging market ETFs. You do get China at 25-30% of these which hurt them until mid ‘24, but strong since. There are also active emerging market funds like LZEMX and there’s a good case for active in these markets. International markets have been outperforming the US recently but still avg ~35% lower on forward PE so there’s room to continue, and strong cash flows into these ETFs continue into 2026. They have good yields as well - around 3% for the developed mkt funds. Finally - the weakening dollar and the “sell America” trade help near term performance. Diversification away from the Mag 7 and US only portfolios is just good risk management.

Ok-Educator5253

Just zoom out on your charts a bit. US stocks are volatile, and the most involved in the AI build up. That’s pricy. Meanwhile, your 8th largest holding in VXUS is a candy company that DOWN 12% since April. VOO 8th largest is META, up 55% in sane period. ================================== There’s less loss at times, but also less potential IMHO. Europe’s regulations are stifling. They’ve said so themselves. China is corrupt and shady as fuck. A good mix is something like 70% VOO/QQQM and 30% in VXUS or VEA/VEXC/VWO

Acrobatic-Song-3151

They’ve been rolling, but I’m not a huge fan of VWO having 11% of the funds in one company, TSM. 

Swearwolfofwallst

VYMI, VEUSX, VWO have been my friends for the last year. Didn't count on Donny and the Gang deciding to decapitate the USD to support their indentured factory economy dream but here we are. For indexes I dad 1/3 of my port in europe/global for hte last year, moved all the US out of it except small cap in the last month. Had also had a decent amount of cash on the sideline waiting for US market to crash, moved that into gold this week. Even if I'm "buying at the top" for gold, it's better than what Donnie and friends will do to USD cash.

Ok-Educator5253

VXUS is a mix of all foreign stocks VEA is developed markets (Europe, Canada, Japan) VWO is emerging markets like India Taiwan and South America VEXC is a foreign market ETF that specifically owns China. Some people do this for ethical reasons since China enslaves people. Others because of how China can just take over and ruin a company. All are cheap, all Vanguard

Ok-Educator5253

VEA VWO VUG Are my big 3

Ok-Educator5253

I just started stock picking. It’s fun and can be quite profitable. If you do some research. But most of it should be in broad market indexes. SPYM, VOO, QQQM, or I also like a “Growth ETF” SCHG, which is cheap. VT, VXUS, VEA, VWO are also popular for international. You are young, so bonds don’t make as much sense. Getting exposure to gold or silver will likely do good this year and next. Frankly, as long as Trump is president.

10and250

Simple answer is VXUS or combination of VEA and VWO

Acrobatic-Song-3151

My VWO is up 3.26% in five years. China equity ETFs haven’t recovered. Pull up mchi  MCHI is up 1.41% to $62.52. Check it out on Yahoo Finance https://finance.yahoo.com/quote/MCHI?p=MCHI

Poundcake2RedVelvet

yeah VWO is gonna be green green green

Swearwolfofwallst

all-world VTIAX VTPSX ACWX Europe VEUSX VYMI Emerging market VWO

risingtheorydotcom

Don't forget ex-US ETFs like VXUS, VEA, VWO.

gardenia856

Main thing: you don’t need to swing for the fences; your main risk now is doing something dumb, not missing a few extra percent of return. Right now you’re super concentrated: $2M in acquirer stock + $1M in properties + big equity exposure in ETFs and the managed portfolio. As soon as you’re allowed, I’d set a rule-based plan to slowly sell down the acquirer stock over 2–5 years and dump the proceeds into boring global index funds (your VOO/VEA/VWO mix is fine) and maybe a bit more high-quality bonds. I’d also define a target allocation on paper (e.g., 60/35/5 stocks/bonds/cash or similar) and rebalance once or twice a year so emotions don’t drive moves. Make sure all property is cash-flow positive after all costs; if any is just a speculative bet, consider selling and rolling into ETFs. For your next startup or angel stuff, use a tiny slice (like 5–10%) and track cap tables properly with something like Carta, Pulley, or Cake Equity so you don’t accidentally overexpose yourself again. Main point: you’ve already won; focus on diversification, rules, and not blowing it up.

AnyMarzipan6859

I have a slightly different take on this. Rather than dump it all into large cap, I did a lot of research and optimized a similar amount across 5 positions: VTI, VXUS (intl), BND, VBR (small cap) and VWO (emerging markets). Can’t lose long term with this allocation.

ZoraHookshot

Yes. I bought AFK because the US traded with Africa the least, therefore they would be least affected by tariffs. But long term, the main thing holding Africa back has been access to quality free education. With wireless internet spreading like crazy, millions of Africans are suddenly going to get access to all the world's knowledge all at once. How often do you use YouTube to figure what's wrong with your car, when to plant seed, how to build a computer tower, help with your math homework, etc. I expect Africa in terms of growth to out pace everywhere else over the next 30 years. I have VT at 40%, VEA at 20%, VWO at 20%, AFK at 5%, bonds 5%, individual stock 10%

Poundcake2RedVelvet

My VWO position will soar tomorrow

zdog2x

I do VTI, VOO, VWO and VEA. Majority being VTI.

GrandRare1634

I bought into raw materials (VAW) 2 months ago with the bet that companies are holding back sending a bunch of material for manufacturing due to the tariffs. In that time it's already up 10%, I also would expect those countries where imported stuff is made – like Indonesia, Vietnam, India, China – will see a sudden surge of demand, so I'm hoping explicitly buying into an emerging market fund (VWO). If you don't like China there is also VEXC now.

F0rtysxity

I'm not sure I'm the best to ask for advice here but these are the ones I have. Mostly based on diverse exposure and low fees. FLBR Brazil IPAC Asia Pacific NDIA India VWO Emerging Markets/China AVDV International Small Cap and GRAB and SE from Singapore.

cfaatwork

You don’t need SCHD at your age, your focus should be on total return, i.e., dividends PLUS capital growth. You’re unnecessarily omitting non-dividend paying stocks. Look at VTI/SCHB to capture the broader market. SCHD may make more sense if/when you may actually need to rely on dividends in 30+ years. You’re also heavy in US-only stocks. This is always a debate but I believe you should have some weighting in developed/emerging markets, like VEA & VWO. This year is a good example of international outperformance relative to domestic.

Morgdoggery

I put a portion of my income every month into stocks, no matter what. VOO is my default but for past few months I’ve been doing CMF (live in CA) and VEA/VWO instead. I’m looking at treasuries for Q1 2026.

Emotional-Power-7242

VT is the best stock, it's great that most of your portfolio is in it. SMH exposes you to a ton of uncompensated sector risk so is really not necessary and would be better in VT. Physical silver is historically a terrible investment with high volatility and low returns, and you definitely should not own PSLV. IDMO is ok. I'd prefer to see like a small cap value fund here. Momentum as a risk factor is only examined by behavior and can for thst reason be considered a weaker factor than size or value which have systematic risk-based explanations. But I don't hate IDMO. I don't hate VWO either, I think slightly overweighting emerging markets has a strong thesis. I'm a little bit concerned that you seem to have designed this portfolio by taking 50% VT and for the other half just picking things that did extremely well this year. You can't just buy whatever did well last year, because they may well not do well next year. And if you then sell those things and buy whatever did well that year, you're buying high and selling low and that's how you underperform.

BassOk335

Look if you’re playing the long game and want to build some serious sustainable wealth, here’s how I’d tweak that portfolio to keep it steady. Pump up the VT The Core: You gotta beef up your VT to about 60% or 70%. Think of VT as your foundation it’s the 'set it and forget it' part of your portfolio that’s gonna keep you from crashing and burning when things get shaky. Trim the Silver: Honestly? 14% in PSLV is a lot. Silver is cool and all but it doesn't pay dividends. I’d cut that down to maybe 5%. You’re 18 you want your money working for you in assets that actually grow not just sit there looking shiny. Cap the SMH: Keep the SMH for sure. Semiconductors are the future. But 20% is the absolute ceiling. Don't go chasing the hype any higher than that or you’re basically gambling not investing. * **VT:** 65% * **SMH:** 15% * **IDMO/VWO:** 各 7.5% * **PSLV:** 5%

jreadersmith

This is actually far better than most. 50% VT is a great base and you have other international equities. 14% in silver is a little performance chasing, and 20% in SMH is a heavy sector bet. But the rest is solid. I’d say if you believe in the momentum SPMO is a good momentum for US. Something like this 55% VT 15% SPMO 10% IDMO 5% VWO 10% SMH 5% PSLV I personally wouldn’t have the smh and pslv because I’m not a sector/commodities person, but I didn’t completed remove them. I’m a fan of factors so I kept the added to that.

GaylrdFocker

VOO + AVUV + VWO = VTI. Just do VTI and either QQQM or SPMO

LAtoBay

You are young so think of this as a costly but good lesson in investing. The market has gone up 3 years straight and you are down, feels like you are gambling, not investing. Since you are young your best asset is time, invest slowly, dollar cost average, get your investments on solid ground (VOO, VWO, NOBL, VIOO, VTI) diversification, low cost index funds, boring I know. Once you have this established then you can mess around with 3-5% of your portfolio on risky assets. I think a lot of people have this backwards and eventually it ends bad. I feel for you, I have made similar mistakes when I was younger, you can and will recover. Please don’t “double down”. Good luck!

luke_530

Either VT or VTI &VEA+VWO

Poundcake2RedVelvet

VXUS, or if u only want established markets VEA or if u only want emerging markets VWO

SprinklesMany2038

Maybe they offer a Emerging Market fund? VWO. The advisor might not make commission of those funds etc.  I do agree on your 60/40 as well. 

Emotional-Power-7242

401k is just VOO, VEA, VWO. IRA is FXAIX/FZILX/AVUV/RPV/AVDV/DFIV

Altruistic-Bad-8718

How can I get retirement-friendly exposure to frontier markets + China-aligned economies? Hey everyone — I’m trying to pressure-test an investment thesis and figure out the logistics of actually implementing it inside a retirement account (401k, IRA, Roth IRA). My thesis is pretty simple: Long-term global economic growth is going to be heavily driven by demographics — specifically, the regions with the fastest population growth over the next 50–75 years. That means frontier markets (Africa, parts of South/Southeast Asia, Middle East) and major China-aligned economies that are building trade networks and infrastructure across those regions. In other words: • More people = more consumption • More consumption = more economic output • More economic output = long-term equity market upside And most of that future population growth is not happening in the U.S. or Europe. I’ve been trying to get exposure to: • Frontier Africa (Nigeria, Kenya, Egypt, Morocco, Ghana, etc.) • Frontier Asia (Vietnam, Pakistan, Bangladesh, Philippines, etc.) • Middle East/Arab markets (Saudi Arabia, UAE, Qatar) • China itself + China-aligned emerging markets However… almost all true “frontier market” or regional Africa/Middle East ETFs have been delisted from U.S. exchanges. The only good options seem to be UCITS ETFs listed in London, Europe, or Asia, which U.S. brokers won’t let you buy inside tax-advantaged accounts because of PRIIPs/SEC compliance rules. So here’s my question to this sub: 👉 Is there any way to gain meaningful frontier-market exposure inside a U.S. retirement account (401k or IRA)? Or am I stuck keeping this thesis in a taxable global brokerage account only? I’m aware of broad EM funds like VWO/IEMG, but they barely touch the true frontier economies I’m trying to target. I’m specifically looking to see if there are: • Mutual funds accessible to U.S. retirement accounts • 401k-eligible “global small-cap” or “frontier-tilted” funds • Any U.S.-registered ETFs that still reach Africa/Frontier Asia • Or any retirement vehicles that allow holding UCITS from abroad If anyone here has navigated this or has ideas on getting demographic-weighted global exposure within a retirement structure, I’d love to hear your thoughts.

Poundcake2RedVelvet

hehehe VWO and chill not VOO and chill, everyone so confused because they so similar (it just 1 letter different!)

Emotional-Power-7242

VT is VOO+VXUS (or more accurarely it's VTI + VXUS). VXUS is VEA+VWO. VEU doesnt have small caps, so it's like VOO and VXUS is like VTI. To be the most diversified in the simplest way, just buy VT.