VWO
Vanguard FTSE Emerging Markets Index Fund ETF Shares
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I want to increase my exposure to emerging markets with ETFs and I'm considering IEMG, SCHE and VWO. The overlap between them is ~ 50%. Would it make more sense to hold just one of them or break down my emerging markets portion into 2 or 3 different funds?
Feedback on my proposed Three Fund Portfolio before I join the market?
Consolidate (VWO, VEA) into VXUS and (VTV, VOT, VB, VOE) into VTI?
23 years old looking for advice on an aggressive Roth IRA allocation for retirement!
Why does VWO have P/E Ratio of 5, while other EM ETFs have P/Es more like 15-20?
Why does VWO have P/E Ratio of 5, while other EM ETFs have P/Es more like 15-20?
Hi r/stocks I have a question is it a good idea to invest in VOO 25 dollars a month
Short term play on China power shortage
If you’re a long-term investor (20+ years), wouldn’t it make sense to invest in foreign emerging markets such as VWO?
Schwab Mutual Fund Builder vs Weathfront Robo $90k to invest.
I have $85k to invest for 10 years or more..what do you think of these options?
Are VXUS and VWO interchangeable with my current allocations or should I leave VWO.
VT is not as global as I thought. For exposure that better matches GDP hold 1.37x VWO for every VT
Am I the only one waiting and hoping for the market to drop?
US vs. International, Stocks/ ETFs vs. Bonds... help me understand performance chasing here
Which sector is best to invest in long term (10 years plus)?
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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.
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.
I have a separate investment in emerging markets from developed markets. I'm issuing IEMG and VWO for emerging.
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.
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.
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.
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.
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
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.
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.
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.
all the intl etf's are down, idk about specifically europe. VWO, VXUS, IEMG
>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).
>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).
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.
Just bought VWO, however don't follow my lead as I bought Microsoft last week and look how that turned out.
> 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.
VTI is US only. VXUS is a pretty good choice. You can even augment it with VWO, which has been decent.
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.
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.
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
They’ve been rolling, but I’m not a huge fan of VWO having 11% of the funds in one company, TSM.
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.
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
VEA VWO VUG Are my big 3
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.
Simple answer is VXUS or combination of VEA and VWO
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
yeah VWO is gonna be green green green
all-world VTIAX VTPSX ACWX Europe VEUSX VYMI Emerging market VWO
Don't forget ex-US ETFs like VXUS, VEA, VWO.
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.
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.
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%
My VWO position will soar tomorrow
I do VTI, VOO, VWO and VEA. Majority being VTI.
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.
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.
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.
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.
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.
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%
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.
VOO + AVUV + VWO = VTI. Just do VTI and either QQQM or SPMO
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!
Either VT or VTI &VEA+VWO
VXUS, or if u only want established markets VEA or if u only want emerging markets VWO
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.
401k is just VOO, VEA, VWO. IRA is FXAIX/FZILX/AVUV/RPV/AVDV/DFIV
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.
hehehe VWO and chill not VOO and chill, everyone so confused because they so similar (it just 1 letter different!)
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.
I invest biweekly 250$ and this is my split. Should I change anything. I am only interested in long term investing GLD: 25$ SCHD: 25$ VOO: 25$ VWO: 25& VTI: 100$ VXUS: 50$ I want to have a more diversified portfolio just not sure how to do that. I usually lean more towards tech stocks but want to also get into green energy and bonds.
Here are the big ones from Vanguard: Total World (VT), US (VTI), ex-US (VXUS), Developed markets ex-US (VEA), Emerging Markets (VWO). If you want to get really in the weeds, I believe that Dimensional and Avantis are worth the small increase in expense ratios for some small factor tilting, profitability screening, etc, so I incorporate several of their funds. DFUS, DFAW, DFAI, DFAE are Dimentional's equivalents to those Vanguard options I listed
6K into VTI - 1.5K into VEA - 1.5K into VWO - 1K into BNDW - completely forget about it for 20 years. Or….Vegas?
I am a young, risk-on investor looking to maximize long-term growth while maintaining balanced exposure. I am pretty confident on my allocations but have two questions. 55% VTI 10% AVUV 10% FTEC 10% VEA 10% VWO 5% IBIT 1. Should I swap VTI for VOO to flush out the small-cap growth? Or does VTI provide better diversified exposure for the long haul (i.e. mid-caps)? 2. Increase AVUV to 15% by decreasing 55% -> 50%? Seems like small-cap value is best bet for my long-term goals, but the recent extended underperformance is daunting. Regardless, what's the best balance? The answer could depend on whether VTI or VOO is selected. Any thoughts much appreciated. Thanks in advance.
A quick look at VOO vs VWO shows a 2% in favor of VWO. If Im just wrong I apologize, but what Im seeing seems in line with the other guys general statements. I think the point was more to compare other countries general markets rather than compare specific industries or companies. Like I said, we both made out much much better than either of those standards by making more selective picks. Someone informed and paying attention absolutely could have beat “the market” or any other global market.
Emerging market ETF, pick your country. Copper, platinum, uranium. XME, NXE, VWO, URA, BHP. GLD if you want some gold, even if it has run up. I’d stick closer to silver and platinum (I’m already at 4% gold in my port). Somewhere there is a quote, buying right always feels wrong. The times are changing. These trades might not feel great for another few years. I have just begun to trim my winnings and move into commodities and energy.
This is actually a really well-thought-out portfolio 👏 You’ve done a great job blending growth, quality, and international diversification while keeping simplicity and balance. The barbell approach between QQQM and SCHD is smart — it captures momentum without leaning too heavy on tech. RSP also does an underrated job of mitigating top-heavy risk from the S&P 500, so nice call there. If I were to tweak anything, it’d just be small refinements: 1. Consider a small-cap or emerging markets slice (like AVUV or VWO, maybe 5–10%) to capture long-term factor diversification and global growth outside developed markets. 2. Think about tax efficiency and rebalancing frequency. SCHD throws off solid dividends, so if this is in a taxable account, just make sure that aligns with your tax strategy. 3. IDEV is fine, but VXUS or IXUS could give you slightly broader exposure if you ever want emerging markets automatically included. Overall though — simple, diversified, logical, and low-cost. This is the kind of setup most investors would benefit from sticking with for decades. Nicely done
Looks like a good blend overall imo. The only thing I would mention is an international developed market ETF like IDEV doesn't target emerging markets like China or Taiwan so you're losing some diversification there. Unless that was your intention you might consider weaving in some emerging market ETF like SCHE/VWO or just buying a total international market ETF like VXUS instead.
This is why my Roth is all VXUS and VWO
Solid setup. The **VOO/VWO/VTWO mix** gives you great coverage and keeps things simple — exactly what most investors should aim for. If you’re looking to simplify even further, a **“VTI and chill”** strategy is tough to beat. It gives you total U.S. market exposure in one fund, low fees, and automatic diversification. > Morningstar calls **VTI** *“one of the most efficient, low-cost, and well-diversified core equity holdings available.”* *(Morningstar Analyst Report, 2024)* Even **Warren Buffett** has long backed this kind of simple approach: > You might also consider setting aside a small slice for **Bitcoin**. **Fidelity Digital Assets** describes Bitcoin as *“a compelling and uncorrelated asset class, serving as a store of value and hedge against monetary debasement.”* *(Fidelity Digital Assets, 2023)* **ARK Invest** found that *“a 1–5% Bitcoin allocation can improve a portfolio’s risk-adjusted returns.”* *(ARK Invest Big Ideas, 2024)* And a **Yale University study** showed that adding 4–6% crypto exposure can *“improve overall portfolio efficiency due to low correlation with traditional markets.”* You’re absolutely on the right track — **low cost, diversified, and long-term.** That’s how wealth actually compounds. Adding a little Bitcoin could just future-proof it.
I am planning to hold a couple ETFs here soon. I already hold VTI. I'd like to snag VOO, VWO, VTEB and VT for a rounded 5. But I also like viewing stocks and messing around with day trading as well. Just a nice way to learn and become more financially literate. Hence, my question.
It's for a similar reason that I switched from the 3:1 ratio of developed-emerging markets in VXUS and instead do 1:1 with equal parts VEA & VWO. There's big players like China, India, Taiwan, as well as Brazil, South Africa, Mexico - all places with a lot of potential, and at least this year, it appears to be working. Also, if anyone missed it, Vanguard now offers an Emerging Markets ex-China ETF (VEXC) too
BRK.B, VTI, VWO, VGK? I've been adding BRK.B instead of treasuries. If Buffet's holding cash, might as well get in on the action.
I keep 10% in VWO and 5% in VPL. VWO has been the best performing broad market ETF for me this year - ahead of VTI partly due to US dollar weakening. VWO and VPL still have reasonable p/e of 15-16, compare to 27 for VTI for those worried about overheating.
Appreciate all the replies. For those not interested in the Asia or world markets, are you just holding course and ready to buy a correction? For those that have invested abroad, what are you investing in as US alternatives? VXUS seems like the international VTI or similar US ETF, and I'm bullish on VWO for a reasonable amount
because international is gonna continue its pump VXUS YTD: 26.5% VWO YTD: 24.8% VOO YTD: 14.8%
I will reassess my Roth position in about 5 years, but currently it's 100% international, 85% VXUS 15% VWO, specifically because I think the dollar will continue to weaken. The rest of the world will either use this as a wake up call to reduce reliance on the U$D or nothing changes and eventually the US defaults, either scenario means unhedged international positions are the next bull market fuel. I predict growth will move to Asian markets and EU markets will follow due to deregulation efforts and increased trade between the two. Unless a miracle happens and the USA taxes rich people, in which case less growth is likely cause rich people are greedy.
VXUS is going to absolutely print these next 4 years as the U$D continues to sink and Europe pumps up GDP numbers with military spending to stop Russia; and VWO too once China and India strengthen their economic ties. Trump has ended the glorious 15 year US bull run but international is so ready to cook until Dems take full control and delete this tariff nonsense.
VWO has been doing well for me. Heavy China tilt but I’m okay with that.
You might consider VEA and VWO for exposure to developed and emerging markets. Especially with the US governments approach to weakening the dollar these are a useful diversification
I mean I’ve got limitations based on my role. I’ve been picking up VWO. But I’d just do some research into general emerging markets exposure. Maybe additional focus on Asian, India and China seem to be front and center in these discussions.
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.
I am up 17% YTD in my Roth by going 80% VXUS and 20% VWO in Feb/March btw
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.
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)
Just VOO alone? No FSPSX or VWO?
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).
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).
Anything better than VXUS or VEA or VWO or VGK?
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.
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.
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!
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!
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!
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!
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!
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.
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.
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.
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.
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.