VXUS

Rebounding2020

I started switching up from almost 100% VOO and VTI in my larger accounts to 55% VTI / 35% VXUS / 10% VBTLX (or rough equivalents). I just wanted to cut exposure to US equities and also build a small bond position--the latter as I've always struggled to understand bonds and wanted to get used to holding them for future knowledge.

-whis

Trumps retarded don’t get me wrong, but we ain’t gonna “learn the hard way”. We’ll continue to prosper because we fuckin rock and the rest of the word relies on our consumers - it may be ours short term, but this is a marathon not a sprint - that marathon rewards those investing in American markets. (I still own VXUS to cope)

retirement_savings

For reference, I've been 65/35 VTSAX/VXUS since I started investing. But I didn't make that decision based on one year of data. If US starts outperforming again, are you going to sell your international stock?

VFR8

Look YTD, then you can see the VXUS outperformance

drew-gen-x

Compare the $SPY vs $GLD or $VXUS or nearly any other world indices YTD or 1 yr charts. The $SPY has been losing for awhile now ever the Trump tariffs. There's just soo much infighting lately that few have zoomed out and looked at the bigger economic picture.

superbouser

Today I put money in VXUS.

Significant_Copy1266

Vanguard S&P 500 ETF NYSEARCA: VOO 602.30 USD -28.98 (-4.59%) past month Vanguard Total International Stock Index Fund ETF NASDAQ: VXUS 78.01 USD -4.39 (-5.33%) past month

TheBaalzak

VXUS has been doing well.

rufio313

Yeah that’s why you are better off going with something like VTI over VOO, and then add some VXUS to the mix.

YellingatClouds86

I dump about 75% of my spare cash per month into S&P 500 and then 25% into VXUS.

PrestigiousPen-2468

VXUS is everything outside the US, I hear a lot of people wanting a US ETF without Elon although I doubt that exists.

Worst-Eh-Sure

I do have an account that’s basically just VTI and VXUS as well. But I do enjoy buying stocks and following it. I just don’t worry about it anymore. And for me personally I prefer VTI over VOO for the exposure to mid and small cap stocks. That said, there really isn’t a lot of difference between the 2 anymore due to the Mag7 taking up a majority of the entire US stock market which is really lame. I’ve contemplated going to an equal weighted us market ETF but just assumed that the fees would be materially increased and that it wouldn’t really be worth the increase in fees.

PrestigiousPen-2468

Yeah good call, I've been moving a bit towards VXUS. I'm even getting a bit wary of VOO and other S&P indexes at this point though. The top 7-10 companies take up around 40% of the index which seems crazy to me.

runnerofshadows

Might become VTI or VT and chill - I know VTI uses CRSP not S&P or Nasdaq and VT uses FTSE Global All Cap Index. There's also VXUS if you want a dash of International exposure.

Fuehnix

Every month since Nov 2024, I feel more happy with my decision to switch to VXUS. Keep that "1 trillion" dollar valuation out of my ETFs thanks.

rufio313

Nah, VTI and VXUS. VOO is just the S&P 500…not very diverse.

HowDowsCrowTaste

I would but all im doing is my claude agent scrapes newfeeds for events that could be considered a TACO trigger event , scores it weighs it and the moves things in VXUS and VTI in and out ... The iran war thing didnt fit the model since it isnt a simple TACO thing.... Even if Your Majesty TACO's out of this , the damage is already done. Whoever suggested this war was black swan event here got it right ... Back to thinking of a new model.... Fuckers...

SurfAccountQuestion

I don’t have a 50/50 split of QQQM and VTI. I also hold SCHD in roth and VXUS. I also reserve a bit of fun money to trade whatever I have conviction in.

wandererarkhamknight

If you want broad market index funds, either VTI+VXUS or VT. Even without SpaceX, you are putting almost half your retirement money in 10 companies.

bkkmatt

Just moved $10K from HYSA to brokerage. Pushing it all to VOO and VXUS. Eating another delicious TACO!

GaylrdFocker

Way too many funds. Avoid dividend etfs when you are only 19. That just causes forced dividends you will pay tax on. 90-95% VT or VTI/VXUS and the rest whatever you want to overweight.

Zestyclose_Panda_886

I wish I had DCA more into VXUS over the years, but it would be a good idea to have at least 5 to 10% for most people.

SophonParticle

I like the SCHD. I would go a lot heavier into VXUS. 

dringledrangus

Buy ETFs that are good and hold. VOO for instance. That is the strategy. I have SCHD for some income growth and VXUS for non-US exposure. That's it... that is the secret.

lifegrowthfinance

I was DCAing into VT until beginning of this year, when I switched to only VXUS. But then I was heavily tilted on my total US exposure anyway and wanted to diversify.

GrandRare1634

Late last year when the tariffs were wreaking havoc, I switched from 60-40 VOO/VXUS to 50-50 as I felt the US was looking too chaotic for the short term. So far it's been fine.

drew-gen-x

Most of Reddit doesn't know what they're talking about. I agree w/ you short term; especially w/ US stocks. The $SPY is nearly 2x as concentrated in 6-10 stocks names vs dot com market cap levels. There's still that downside risk. It's just this place became such a bear's den; i couldn't help BTD and DCA into my long term World ex-US stocks & Gold positions. I am looking at that Gold chart, and my cost basis is around $3500 after BTD heavily around $4400-$4600. I somehow timed the last BTD right selling my $PHYS tax lots bought in that range in Feb at $5200. I might be pushing my luck hoping for $5k to sell these recent BTD gold tax lots. I think buying Gold at $3500 is a no brainer. Gold was just below $2k before Covid. CB's pumped the money supply up by 50-75%. The new fair price of Gold is $3500. I'm trying to thread the needle here b/w long term vs short term. I want 25% Gold, 25% $VXUS (world ex-US), 25% $TLT, and 25% World plus US or maybe just $SPY. Once interest rates reach 2% I cash out of $TLT and find a new trade. I haven't bought that last 25% US stock position yet; b/c despite reddit citing me as a perma-bull; I'm really not.

drew-gen-x

Let's see how we close. That will tell us whether institutions are buying into DJT tweet of the day. US Treasury yields matter more for foreign markets & peeps than Americans. I think you may time your $TLT trade which I still have a hedge position in. But for Americans it is better to own $GLD over $TLT to hedge our USD currency risks. We have to balance inflation & loss of USD purchasing power vs the price of equities (even if they are expensive). I am NOT bullish at all; but these indices prices are worth BTD in as part of a long term DCA investment strategy. I still think you should hedge your $TLT port with $GLD & $VXUS and maybe $VT if you ever feel a wild bullish hair up your ass : )

SecretPantyWorshiper

I think he us saying go with VOO and then doing something like VXUS

RichmondReddit

VXUS took about a 2 1/2 % hop as you posted this.

Afraid_College8493

If you diversify, you don't need to be right about any single investment. While your forecast is probably wrong and you'll wince when you reread it in a few years, VXUS is a great idea.

GregorSamsanite

Yes. A common suggestion would be S&P 500, which is 500 of the largest stocks in the US. Which is pretty well diversified, but it's all large stocks, so there is a bit of room to diversify slightly more with an index that includes some smaller stocks. And that's all US companies, so there's a lot of room to diversify more by including some international. In recent years, US stocks have tended to perform a bit better, but there are time periods where that's not the case, such as 2000-2010, or 2025. In any case, buying whatever has done the best in the recent past isn't always the best strategy going forward. If you want a single, highly diversified fund, consider VT, which includes US and international stocks, large and small. It's weighted to the size of the markets, and the US stock market is the biggest component, but it's around 35% international. And a majority are larger stocks, since those are bigger, but there are some smaller stocks too. It works out to over 50% S&P 500 due to the weighting, so you'll still be very exposed to that, but with significantly more diversification. Similarly, you could do VTI + VXUS. VTI is just the US components of VT, and VXUS is just the non-US components. You could combine those in a similar ratio, but if you're in a taxable brokerage account instead of a retirement account, it could work out slightly better for taxes, and with a slightly lower expense ratio.

TrashPanda_924

I probably wouldn’t make a rash reallocation to a predetermined strategy. Yes, some in VXUS makes sense, but I wouldn’t go “majority.” The US will do everything, and I mean everything, to protect national interests.

obidamnkenobi

too much crap. VTOI+VXUS. Done. Avoid dividends!

drew-gen-x

People are going to get killed sitting in cash. Most people's salary hasn't kept up with the real inflation rate since COVID. Maybe those w/ 4-5% in short term interest bonds have come close. We are at the point of no return. I've done well buying Gold but I started buying under $2k and my cost basis now is around $3500 after buying this dip pretty heavily. I do see Gold ultimately pulling back to $3500 so I don't think people should go all in right now. You need stocks/equities as well. $VT and $VXUS make the most sense to me to hedge some risks.

Small-War945

So currently I am 17yrs old and have a youth brokerage account with a couple thousand allocated like this around 30% FTEC 35% VTI 18% VXUS and 17% VNQ is this to tech heavy? Should I diversify it more if so how? I know there's tech overlap and people are saying the tech/Ai bubble is about to pop...Along with having a $5,000 XRP investment I bought in at 1.85 and am wondering if I should just sell with the losses of 1.4k and move it into ETFs or hold it and see what happens with XRP?

Moccabean70

I started out with SCHD ($14K) and JEPI ($6K), did a little research and realized VOO would be a great growth stock, NVDA and MU gives me tech exposure, LMT (possibly good with the current geopolitical situation), VXUS covers international and O for real estate. Basically I was looking to add structured diversity. The amounts are allocated based on when I have $$ available and what I feel is a good dip. I’m still learning…

drew-gen-x

It's early , but $EJW +0.6%, $VXUS +0.74%, $GLD +1.3%, DXY 100.42 & falling. Crude Oil 103.56. There are 2 trades going on that are interconnected since crude oil is priced & sold in USD. The DXY short squeeze & crude oil/ war trade. But if foreign stocks & gold are catching a bid then 1 of these 2 trades might be unwinding. Shorty short bears are unfortunately short both trades. The $QQQ trade could still head south & bears will still be hurting. Now if US stocks also get a bid there will be a lot of bears swimming naked tomorrow.

Overall-Breeze95

I agree with bumping up VXUS. Also, since you're heavier on US equities, consider if that's a conscious choice or just recency bias. How did you land on your current allocation?

drew-gen-x

I'm not touching software stocks or $IGV. Maybe they recover but the odds are pretty damn good that they will all be repriced to lower fwd multiples x earnings going forward. So far I've been pretty lucky that $VT and $VXUS have hung in their pretty well vs $QQQ. Tech is not as big as a % of the market cap for $VXUS and other foreign indices compared vs $SPY. $SCHD has hung in there pretty well as well for an US stock ETF equivalent.

GaylrdFocker

You can do the exact same thing if you want. I keep growth funds in my taxable because they have lower dividends, but keeping VT in both or VTI/VXUS (or similar funds from other brokerages) in both are just fine.

drew-gen-x

Let's say you're right. I fired off half of my dry powder buying $VXUS, $VT, $EWJ bouncing off their 200 DMA and $GLD bouncing off its 100 DMA. I could have waited & I did BTD too soon. But i don't need this dry powder today. I still have a job and 6 months of emergency cash. Cheers : )

Key_Lifeguard_8659

No one warned you about being too tech heavy? I sold off my QQQM and VGT and got VXUS and AVDV. Both have have given positive returnss since I bought them in January. I'm 50% VOO and everything else international. VXUS is up ~5.9% YTD through March 10 vs. VOO/VTI essentially flat. Over the past year, VXUS returned ~32% vs. VTI's 22%. The structural reason: VXUS has 15.6% in tech vs. VTI's 34%. When value sectors — financials, industrials, materials — rotate back, VXUS has room to outperform. That rotation started in late 2024 and accelerated through 2025. AVDV is up 9.71% YTD vs. VXUS's 4.88%, with a Sharpe ratio of 3.18 vs. 1.95 for VXUS over the trailing 12 months. My small-cap value tilt is paying off big time.

PutinBoomedMe

Bump up that VXUS by a lot. The weakening dollar and catchup game for nondomestic stocks is likely a multi-year trend

Machine8851

The one thing Ive noticed since this war started is that VXUS has been doing horrible. Some of the analysts on CNBC were saying this is the start of US stocks outperforming international stocks. That there would be a change in leadership.

Tentman66

SCHX is my core holding. Like it better than VOO because it does hold some mid caps. I do 50-50 on SCHG and SOXQ instead of all SCHG. AVUV is a good small cap. I like VYMI over VXUS for international exposure 

Hairy-Literature8672

We dont need it. The rest of the world does. I'm holding VXUS godammit!

DarkVoid42

you do that by rebalancing into VXUS and VT. in fact you should have done that when dumbass was re-elected. this is mine, rebalanced when dumbo came to power as of yesterday. 10,028,510.20 Rate of Return (1Y) 16.11%

NFTokin

I’m diversified into VXUS, alternate assets, and gold. It was a good bet in hindsight after reading the Franklin Templeton piece that came out today.

Overall-Breeze95

I agree with this strategy, especially the part about a solid base. I've found dollar-cost averaging into VTI and VXUS (international) lets me sleep at night, then I play around with a small amount in individual stocks I actually believe in. How has the gold allocation worked out for you?

sirebral

This is interesting as on Fidelity when I purchase VXUS it gives me the warning about the 30 day restrictions.

floatingostrichs

“What if I just times the market?” If you DCA’d into 70% SNP500 and 30% VXUS, there is rarely a reasonable time frame where you are losing to inflation and you’d be an idiot not to. Typical 20 year old wirh limited knowledge

drew-gen-x

LOL, the Iran War has already covered up the AI tech crash which I like to call dot com 2.0 and also the private credit disaster. But, if you can look through the smoke we are hitting previous support levels on $VT, $VXUS , $GLD and the $SPY that we've previously hit 3-4x going back the prior 52 weeks. Disclosure - 30% $GLD, 20% $VXUS, 20% $TLT, and 10% $EWJ, 10% $VT and 10% $SPY. I'm not smart enough to pick the correct stocks that will bounce after this DXY short squeeze is over. World CB money printers are about to go BRRR......

gizmole

MSFT, RDDT, AMZN. My 403b contribution also hit my account for VTI, VXUS.

DarkVoid42

>The main things I’m seeing are highly inflationary damage as a result of a poorly planned assault on Iran that resulted in the regime exploring options of enforcing fees on transit of oil. temporary >Tariffs which are already a form of austerity against Americans. Somewhat middling but high for the time period interest rates, a breaking point for general Americans. already partially struck down by the courts >Large amounts of risky private debt associated with risky data center investments, and significant cost inputs as a result of already constrained compute resources like RAM and so forth. bubble >Job displacement as a result of AI reducing job growth prospects in businesses meaning less money flows. temporary disruption >The forces in the market right now having someone like me who’s an extremely cautious, patient, tolerant, and measured thinking I need to protect my capital for the next 10 years. you do that by rebalancing into VXUS and VT. in fact you should have done that when dumbass was re-elected.

ImfamousDante87

SCHD, SCHO, VXUS, O, . I was looking to rebalance some of my accounts and the fire sale has been a blessing from buffet! Spring cleaning!

mightylordredbeard

Vanguard. I listed the exact ones a couple of times in the comments but I think the sub may be hiding them for some reason. It’s VTI, VXUS, VTO all have done me well. I have a single account with only those 3 on it and I dived the majority of my savings up between them. The rest of my savings I dump into series I and series EE bonds and also 2 separate robo investor accounts. One with my bank Navy Federal and the other with E*trade. Multiple accounts at multiple places that way all my eggs aren’t in one basket and if one were to fail, then I wouldn’t lose everything all at once.

Typical_Web_2125

Just more VTI and VXUS every other Friday like the past 5 years

CanYouPleaseChill

Just buy ETFs instead of popular tech stocks, e.g. equal-weight S&P 500 (RSP) and an international ETF like VXUS.

CaffeineFueledRant

VOO is S&P500 VTI is total US stock market, so VTI is mostly VOO with some extra stock. VXUS is non-US stock. VT is a mix of VTI and VXUS.

ranveerneemkar

Short answer: ownership usually doesn’t just vanish, but wartime sanctions, exchange closures, and asset freezes can make foreign securities untradeable, hard to value, or temporarily inaccessible. For what happens to international stocks/funds during a war, the legal wrapper matters a lot: * BP on NYSE: if the ADR/listing remains permitted, you still own it through your broker/custodian. The bigger risk is trading suspension, delisting, blocked dividend flows, or sanctions from OFAC/SEC actions. * VXUS/VTABX: you own shares of a US fund, not the underlying UK stocks/bonds directly. The fund can keep operating, but it may mark affected holdings down, halt creations/redemptions, fair-value stale prices, or side-pocket/segregate impaired assets depending on the structure. * Bonds can be messier than stocks because payment systems matter. Even if the bond legally exists, coupon/principal payments can be blocked by sanctions, capital controls, or settlement systems. Broker matters less than the jurisdiction/custody chain. A US broker is still subject to US sanctions rules, clearinghouse rules, and exchange actions. Historical analogs are Russian securities in 2022 and some Iran-related sanctions cases. OFAC, SEC, Vanguard/issuer prospectuses are the places I’d look first.

ChairmanMeow1986

This is why DCA (Dollar-cost-average, i.e. consistent investment) in diversified assets exists. It flattens volatility over long-term investment horizons. So yeah, you will thank yourself in 10 years and feel like a genius in 20 if you start putting a % of your paycheck into indices at 18. Key there is diversified. VT is global, would, but VOO/VXUS/Bonds (70/20/10) might make sense for you right now. Go check out r/Bogleheads maybe. It's a conservative investment style, but seems like it would suit you at this point in your life.

Unfair_Explanation53

Isn't VTI a mix of VOO and VXUS

Physiotechnalysis

I bought some PAVE, GRID, ICLN, SHLD, ITA, CHAT, CIBR, VOO VXUS, EMET and XME. I think that most of these (besides VXUS and VOO for portfolio stability and diversification) ETFs are in the fields that will see large growth in next 5 year window (and probably beyond). Also bought (and sold lol) VCX. It’s a private equity fund that has some interesting private holdings but took profits at $510, 1800% run up in a week is nuts.

conradical30

Somehow my IRA gambly portfolio is still beating by 401k VOO/VXUS (basically) portfolio

Current-Food-2773

I bought $50 of VXUS. It’s scary, but it’s “on sale” - so trusting the process.

CheekyLass99

VXUS...I need to increase my international exposure.

IDrinkSulfuricAcid

VXUS has been getting absolutely hammered lately but I still agree

laetazel

VGT for me today. Got VOO and VXUS yesterday. I just keep buying weekly 🤷🏻‍♀️

ConversationPale8665

VOO, VTI, and VXUS. My usual.

dabblesest

Alright I’ve heard enough, full porting into VXUS and checking out. What’s that? Global recession? Fuck

Virtual_Rest6107

VXUS is down -1.65%, which isn’t much but not “quite well” What funds specially are you referring to?

No-Dust-1722

This was part of my strategy also but VXUS down 10% in last month 😬

marvel308

Hey everyone, I am running a high-growth, 100% equity DIY portfolio and wanted to get the community's thoughts on how it might weather the current macro environment compared to our last major inflation shock. My current allocation is straightforward but aggressive: * 50% VOO (S&P 500 anchor) * 25% QQQM (NASDAQ 100 tech/growth tilt) * 25% VXUS (International diversification) I invest my bi weekly paycheck into this Last time oil crossed the 4$ national average was in 2022. It was fueled by Russia Ukraine war, post COVID demand and then inflation rise. * Data: [https://stresstest.pro/shared?shareId=ce8236fe-59f1-493f-af57-5d35868c5cbc](https://stresstest.pro/shared?shareId=ce8236fe-59f1-493f-af57-5d35868c5cbc) * Max Drawdown: -26.1% * Total change: -19.4% Fast forward today we have another geo political oil shock at our hands. So far * Data: [https://stresstest.pro/shared?shareId=553b181e-a593-4c17-bc9b-0e96a3667664](https://stresstest.pro/shared?shareId=553b181e-a593-4c17-bc9b-0e96a3667664) * Max drawdown: -7.81% * Total change: -4.7% So far the impact of the war is moderate. While it feels like manageable market noise right now, the underlying conditions suggest there could be much more volatility on the horizon. Any suggestions on what to predict? I am planning to hold the line, but I would love to hear your insights on the road ahead

drew-gen-x

And people here call me crazy for BTD on $VXUS over the $SPY. The US credibility is going down the toilet. First we froze Russia's foreign asset holdings in 2022 and now we bomb Iran out of nowhere for gawd knows what reason. The rest of the world is currently in a USD short squeeze b/c someone decided in the 1970's Crude Oil could only be priced & sold in USD. But when this is all over how many world economies are gonna be jumping for joy & dying to buy more US Treasuries or US stocks???

drew-gen-x

The 1st week of Feb the market liquidated Gold. The 1st week of March the market liquidated World Stocks ex US. I wonder what will be liquidated next? I'm guessing US stocks?? So this bear is BTD on entire coutry ETF's. I do get your point on South Korea being in a bubble. I liquidated that position for a 5% loss Wednesday. But if you look a 20 year chart for $EWJ or $EWZ a 25% drop takes you to dot com prices. At some point it's pointless to sell some of these world economies like Japan and Brazil in a liquidation crisis. Now $VXUS will be my largest position when all this dip buying is done.

AceMaxAceMax

VTI + VXUS, or VT if you want one ETF

Peshhhh

It's VOO, SPY, VTI, or some other US-based index ETF. Throw in VXUS if you think the US is going to lag behind the rest of the world for some reason.

drew-gen-x

I'm buying the world w USD during a USD short squeeze. It's been the American Way for decades. Why BTD in American stocks when you can BTD on entire countries. I will mostly be DCA into $VXUS and $VT when US stocks get cheaper.

OrdinaryMix4013

fuck it ill add to VXUS

Serrano_Ham6969

Dropped 3K into the Roth IRA today and scooped up VXUS, SMH, and some VOO.

VoidMageZero

I don't like VXUS either tbh, basically only USA companies for me lol

drew-gen-x

Agreed, but I am a dumb American. My savings are in USD. My port is now 20% $TLT, 20% VXUS, 20% $EWJ, 30% GLD, and 10% random shit that is going south fast. I still have 30-40% of my dry powder left. I should have put in an order to buy at close if I wasn't such an idiot.

chinaski73

Plus i believe VXUS holds everyone except US stocks, so including Japan

drew-gen-x

I just fired off dry powder rounds 5 and 6. I bought a shit load of $VXUS and $EWJ. This is prolly the dumbest thing I've ever done.

Don_Mask

As of right now I'm not really worried about unforseen costs since my father mostly helps with that although definitely once I stop getting support financially I will need a HYSA and I will definitely start slowly cultivating that but my main focus is investing as I want to put as much as I can towards that especially since I don't make too much money/month (around 500-600/month). I currently have 11k in investments, was 12k before in Jan. Planning to put a decent chunk per month or biweekly into whatever in whatever ratio and just let that ride. I'm just unsure of what in specific (stock/ETF) and what ratio. As of now I've just been putting x amount in mostly QQQM, VOO, VTI, VXUS, GLD. But I've seen elsewhere that a good ratio would be something like 60% into VTI (ETF covering the entire US stock market), 30% into VXUS (ETF covering international exposure), 10% into BND (ETF for bond). Which would mean I would stop investing in QQQM, VOO, GLD or at least mostly put all my cash towards VTI, VXUS, bond ETF?

TheOliveYeti

Buy VT/VXUS or VT betting on sectors typically ends in disasters

drew-gen-x

That's been the case since the Trump Tariff pivot lows in April 2025. It took me 6 months to notice; but I have been buying $EWJ and $EWY since. $VXUS is proyly the safer play thou. Now if the DXY breaks above 100 long term this trade might be over as it was also a USD devaluation trade that got hit hard the 1st week of March. But if I am looking at Gold outperforming US Treasuries today it makes you wonder why more people aren't hedging their ports w/ foreign stocks.

th3tavv3ga

Just buy VXUS

Several-Egg-7121

70% into VTI and 30% into VXUS. For books - Simple Path to Wealth. General route should be low cost index based investing. With an asset allocation that meets your risk tolerance for volatility in the market. If you have a workplace 401k you can make changes in that account most easily when looking to rebalance your portfolio. Additionally, asset location is just as important as asset allocation. Some investments are less tax efficient than others (bonds) so you’ll want to keep them in your tax deferred accounts (401k).

bofoshow51

It’s absolutely unethical and blatantly illegal market manipulation. At the same time, it only works if people panic and actually put any weight into the words of an idiot who happens to be the nation’s leader. I trust nothing out of his mouth, I certainly don’t let him dictate how I invest. I will continue plodding along, buying my VT and VOO and VXUS once a month every month, and not let day-to-day fluctuations (especially the ones designed to scam me) change my behavior.

Any_Jicama5208

Those swap pairs are the least scary part here. I'd worry more about stray DRIP / auto-buys in any taxable account, and about estimated-tax safe harbor, than about VTI -> FSKAX or VXUS -> FTIHX.

markprice211

I’m immediately moving to two portfolios tracking total US market and total international market - same as what I currently own. Zero concern about what happens during the wash sale period. I only prefer VTI/VXUS for portability which is why I would eventually move back.

Siva-Na-Gig

I was heavy into VXUS. I think international markets will be hit even harder so I went all cash. Just my opinion. I do agree the market is looking at the wrong indicators, and agree with u/ub3rm3nsch 's read on this situation.

drew-gen-x

DXY was rejected at 100. Crude Oil was rejected at 94.60. $SPY held 650. Buy the indices. $SPY, $VXUS, $VT. I would avoid $QQQ. Now if the DXY breaks above 100 and $SPY breaks below 650 for extended period of time then all bets are off.

Dirkredblade

This sounds so simple and obvious, but most people just won't/can't do it. Save 15% of your income into retirement accounts, invest at least 90% into low cost mutual funds/etfs- if you really feel like you can beat the market, play with 10%. If available, have the 15% taken out of your paycheck automatically, before you ever touch it. Don't ever say to yourself, "well this year, we had some plumbing issues, and we're supposed to go on that trip, and Megan needs braces, so I won't invest this year, but next year I'll make up for it." Because one day you're 31 and on track, and then the next day you look up and you're 48 and behind, because life happens. Invest that 15% no matter what, don't sell, don't have money waiting in cash for the next dip. Pick a sensible allocation, invest 15%, if you change your allocation, you can change with future contributions. I know this information sounds incredibly basic and obvious- saving for retirement literally is basic and obvious, it's just most people don't have the discipline to actually do it. I've managed to catch up, but i almost f@cked it up, and it requires now saving 30k a year, whereas if i had just saved 15% on autopilot, I wouldn't even have to be making contributions anymore. On the other hand, my parents always contributed to their retirement, but they were always waiting for the next opportunity with 40%-50% in cash/bonds. They're fine, they've got pensions and about $1 million in their TSAs, but if they had just invested into a mix of VTI/VXUS equivalent and stayed completely invested instead of waiting, they'd have about $3 million. Don't be me. Don't be my parents. Invest 15% into retirement no matter what. Pick your allocation and contribute, no matter what, don't wait for the right opportunity, or pause because, "the world is scary and on fire", the world is always scary and on fire.

No_Fig_7835

I think I'm about done investing in American equities, just gonna buy precious metals, VXUS, and emerging markets.

bmt_original

With the market going lower, and may go further down, the best path for you is to make a plan to invest the same $60k but on a recurring basis every week over the span of next 12 - 16 months … Just pick up some ETFs like $VOO $QQQM $VXUS $SCHD $SMH $GLD The results in around 2 years will amaze you

Altruistic_Emu_146

You can slowly DCA, like 1k a week or more and put in VOO. You can add some VXUS when the oil prices start to stabilize

be_like_bill

Per my philosophy, the VTI and VXUS split, or more broadly the domestic vs International spilt, is not an age thing. You pick something based on what kind of International exposure you'd like to have. I recommend no less than 20% and no more than what VT has (40% currently). Anything in-between is fine. The key thing is to pick one, say 70-30, and stick to it. What you don't want to do is chase returns i.e. fluctuate allocation based on how the investment is doing. e.g. Several folks reduced or removed their exposure to VXUS over the last 10 years because of underperformance, and are now flocking to VXUS when it already has a run. That's how you underperform the market. Pick an allocation and stick to it for 20 years.