VXUS

ConcentrateOk523

I think it depends on person's situation. I am in a low tax rate due to deductions on investment real estate and largely qualified dividends in my taxable accounts with mostly VTI. Actually I may be paying more taxes in my retirement years. Taxable accounts are good if you have tax efficient assets like VTI and VXUS. Get foreign tax credit with VXUS. Nothing wrong with doing a combination of 401k and taxable.

financiallythriving

VXUS will beat SPY this year again

bushed_

> offers superior liquidity thats the point I was arguing with. it literally doesnt mattter, its not relevant. > At the end of the day VT forces you into global market-cap weighting forever…which may be optimal, but removes all strategic flexibility. >While VT’s internal rebalancing avoids taxable events, VTI+VXUS enables tax-loss harvesting opportunities that VT holders cannot access. When international markets underperform (which has been common), you can harvest losses on VXUS while maintaining market exposure So are you buy and hold forever and locked in or tax loss harvesting? I knopw its crazy, but you can own all 3! wow! all of the funds rock. theres no reason to make these terrible blanket statements all of the time.

bpikmin

DCA into VXUS if that’s what you’re worried about

rufio313

You literally just restated the same benefits to VTI that I’ve already been saying. Even the tax advantages: https://www.reddit.com/r/investing/s/c6IziEwXku While “past performance doesn’t guarantee future results” is technically true, dismissing VTI’s historical outperformance as “meaning nothing” ignores that it reflects fundamental economic realities. While VT’s internal rebalancing avoids taxable events, VTI+VXUS enables tax-loss harvesting opportunities that VT holders cannot access. When international markets underperform (which has been common), you can harvest losses on VXUS while maintaining market exposure. VT’s “tax beneficial” internal rebalancing only matters if you’d otherwise trigger gains…it provides zero benefit during the many years when strategic loss harvesting would be valuable. At the end of the day VT forces you into global market-cap weighting forever…which may be optimal, but removes all strategic flexibility. Again, really unsure why you are so upset that I’m literally just listing reasons why someone would choose VTI over VT (and for the 5th time, VT is a fine fund to invest in). Is there something else going on in your life that would lead you to invest so much time in pointlessly arguing with me about something I’m not even arguing, while essentially ignoring every response I give you and to keep arguing the stuff that I already said doesn’t really matter much? I feel like you need a win. Take this champ 🥇

mustachechap

It was very irrational. I was literally rolling on the floor and laughing at all the panic selling, while I was scooping up some great deals on NVDA. I'm still laughing at all the people who sold S&P500 index funds for things like VXUS and EUAD etc

Swred1100

I have a degen account, and a VOO, AVUV, VXUS, QQQM account at ~50, 10, 15, 25 weights account. Exposed to US large and small with the ability to re-weigh easily, as well as to international stocks. I know QQQM is a lot of overlap with VOO, but I’ve got 45 years and want the added tech exposure.

made_in_bklyn_

Lending Club is offering 4% for it's HYSA (called level up). Put your money there so it's at least beating inflation while you figure things out (and also don't have it locked up in a CD). Personally, I would open an account with Fidelity and invest the money in VTI & VXUS or you can simplify your life and invest in VT. If you don't have a Roth IRA, open one now and dump $7500 in (the max contribution this year) and let that settle. Maxing out a Roth is a good idea no matter what you ultimately decide. With an individual brokerage account, you can take the money out at any time (don't have to wait until retirement). This is where my house find is and it's doing well. If the market tanks, which is always a possibility, I won't buy bc I'm happy/comfortable where I am. If you're set on buying a home in 3 years, then just keep that money in the HYSA and don't invest in the stock market. I happen to be up 17% since I started but it's always a risk.

Busy-Difficulty-4757

VOO = SP500 VTI = US stock market VXUS = International stock market VUG = US Growth stocks VGT = Information Technology VT = Total world market This gets asked a lot, search the sub https://www.reddit.com/r/ETFs/s/JSEJEY1mzi

BeneficialQuality899

You can add some international exposure if you want but VOO and chill is good enough. I like FSPSX for international but VXUS is a popular one

cannythecat

America is ded, another day where VXUS is crushing SPY

InvisibleEar

VXUS, VYMI, IDEV, IEMG (depending on what you're looking for)

Kitchen-Safety4218

Institutional wisdom favors the "Three-Fund Portfolio" for a reason. VTI (Vanguard Total Stock Market) VXUS (Vanguard Total International Stock) BND (Vanguard Total Bond Market) Efficiency dictates this VTI, VXUS, and BND allocation. VTI captures the entire domestic engine. VXUS provides the necessary global hedge against a weakening dollar. BND offers the ballast needed when equity volatility spikes. It's the same structural integrity that saved disciplined portfolios during the 1970s stagflation. Which is why sophisticated capital favors this triad. Because simplicity is the highest form of risk management.

Apart-Selection5680

It’s now 30% VOO, 30% VXUS, 40% VTI and chill.

wampum

10% speculative/doomsday 60% VTI 30% VXUS Broad-based, no load, low expense ETFs are the best for getting cheap diversification. Boring and conventional, but much safer than gold options at ATHs

nonner101

Mfs talking about investing in VXUS, WSB Bogglehead crossover

EyeSea7923

Smooth move, I was doing similar. Like VXUS though. Impressive returns

Spear_n_Magic_Helmet

gradually adding more ex-US to port. VXUS and friends have been doing numbers

whattheheckOO

I mean, the good news is you have a ton of money for your age. How much is in your retirement account? One mistake people frequently make is chasing returns. So they look at what has done well recently and put all their money there, but they've kind of missed the boat. Some people are predicting international will outperform US over the next decade. I have no idea if that's true or not, but I'd put at least something into international to cover all your bases. You could do mostly VOO and the rest into VXUS or some other international ETF of your choice.

sonicking12

VT is more diversified than VOO or VXUS alone.

BeneficialQuality899

I already own VXUS so I know. That was one year

sonicking12

Check last year's VOO return and compare to VXUS's Tell me which one was better.

sunnbeta

No new individual picks for me (just feeding VTI/VXUS) but I have some QS I’m gonna let ride (very small % of portfolio) Also have a gold miner (AEM) and copper (SCCO). Took profit from AEM over the last couple months, maybe too soon, but was up over 250% from my basis and seemed prudent. Still have a small amount on the table. 

C3lder

VXUS and chill lol

rufio313

It’s not “fixed” in that it never changes, it’s fixed in that I have no control over it. I prefer being able to customize my exposure. Regarding the “lost decade,” it’s worth noting that U.S. outperformance has been more consistent historically…international has only outperformed in sporadic periods, and recency bias from 2000-2010 may overweight a single decade’s results. Also if you really want to take advantage of taxes, The VTI + VXUS split enables tax-optimized placement…you can hold VXUS in tax-advantaged accounts (where foreign dividends are higher) while keeping VTI in taxable accounts. VT obviously doesn’t allow this flexibility since it combines both markets in one fund.

ch33ky_n1nj4

VXUS and VT outperformed VOO last year and are continuing to do so. International stocks are doing much better since the US dollar devalued

Calm-Juggernaut6099

To each their own, but VOO, SCHD, SGOV, and also VXUS if you feel like dabbling international. That’s the play.

rufio313

VTI has delivered significantly stronger returns over 10 years due to concentrated exposure to the outperforming U.S. market, particularly in technology sectors. VTI also costs less with a 0.03% expense ratio compared to VT’s 0.07%, offers superior liquidity with higher trading volume, and allows me to manually control my international allocation by pairing with VXUS rather than accepting VT’s fixed 60/40 U.S./international split.

Snowbirdy

Today is the first trading day after the attacks. What did VT, VTI, VXUS (and yes, VOO) each do? Answer: VOO and chill or, as I prefer, VT and chill.

Crispirolls

That's what I'm doing. Knowing my luck as soon as I try to diverge from my current strategy (VTI/VXUS), I'll do way worse than setting and forgetting (Although, I won't lie I regularly check my progress, but I have the willpower to not panic sell when there is a drop)

intelligentx5

VTI/VXUS/TTTXX (70/20/10) is my go to. When market turns shit, I take portions of the TTTXX and buy VTI/VXUS. Deposit more into TTTXX. Rinse and repeat. Plus TTTXX isn’t taxed in my state. So get some steady income.

rufio313

80% VTI + 20% VXUS and chill for your typical brokerage account.

financiallythriving

It is the year for VXUS

EveryPassage

VXUS and VTI basically make up all the holdings of VT with VXUS being all the international portion and VTI being the US portion. So I would look at VXUS.

MomentPrestigious180

Judging from last year, VTI +15% VXUS +30% VT + 20% Yep, that's something.

Ablgarumbek

Lately every time SPY goes up, VXUS goes higher. Is US cooked?

Emotional-Power-7242

If you're really worried about it they have exChina emerging markets funds. China is only 7% of VXUS though anyway.

neonam11

You sure want to VOO and chill? I plan to buy more VXUS (60%) than VOO (40%) this year. SP500 valuations seem stretched. Dollar is weakening against a basket of other currencies. Trump government cutting more taxes but continuing to spend at an uncontrolled level. And let’s not mention the tariffs and crazy actions this weekend. US has AI and that’s been powering it along and keeping the economy out of recession. But eventually people will panic and start selling. So yeah, I’m hedging my bet and leaning more towards international.

Skaggzz

I would not split them evenly as then you are actively making bets overweighting sections of markets you probably don't even intend to. To keep it simple passive investing is a solved problem you buy the market with the lowest cost funds available. The two big decisions you need to make are your stock and bond mix and then your international allocation. VTI is essentially 3800 US companies its 99.8% of the US VXUS is the rest of the worlds stock markets (though not nearly as complete as VTI) All the stocks that makeup SCHG are in VTI by buying SCHG you are overweighting Large cap growth - will large cap growth overperform relative to the other companies from now until you retire? I have no earthly idea so I would keep it simple and stick to VTI and not complicate your portfolio with overlap. 60% VTI, 20% VXUS, 2.5% FLCH, 10% SGOV and 7.5% reserved for your individual industry ETF and company picks will set you up for a very successful future. Once your investments are of sufficient size you can decide to learn about investing and spend time researching individual companies and pouring over 10k's and trying to beat the market. Until then its a waste of time and a losing effort - just buy the market and let it compound.

OkJellyfish2671

I do like the SGOV idea a Ilot, this is great. So if market turns and I see buying opportunity I can sell SGOV and roll it into that stock of interest? I do see your point with individual stocks, I do enjoy it but well informed I cannot say I am, I will look to minimize my stock picking to a select few and really hammer the etfs. I know you listed two in your first comment I should look to add. Would you split them evenly across the board? Assuming I’m looking at vti, SCHG, FLCH, VXUS, SGOV, and CIBR as my etf conglomeration

Skaggzz

I would add VXUS and FLCH at a ratio of 9:1 for overseas exposure with a more properly representative chunk of china. And I'd remove Tesla, Palantir, microstrategy, and definitely QQI and roll it into VTI. You are buying such minute fractional shares that it is probably hurting you in the bid ask spread long term. Put your cash into SGOV and get some treasury yield to boot.

Numerous_Big_3680

Honestly this is probably the best advice here. When geopolitics gets messy, trying to time specific sectors usually backfires. Just DCA into VTI/VXUS and let the chips fall where they may (pun intended)

LegitosaurusRex

You know there's a middle ground between buying calls on a bunch of random companies and paying through the nose for an advisor's mutual funds, right? You can just buy VTI/VXUS yourself.

Gimme_All_The_Foods

Just go with VT instead of essentially mirroring it anyway. Use VTI and VXUS in taxable.

F0rtysxity

Change QQQ go VXUS. Problems solved.

soultorndrummer

You’re in a great spot already. I’d keep 6 months of expenses in HYSA, then start a simple, boring DCA plan and stick to it. Something like VTI + VXUS (or just VT) is hard to beat long-term and keeps you from overthinking allocations. If you want to tilt later, do it small. the real win here is consistency and time, not getting fancy.

SprinklesMany2038

60% us total market 40% international total market. You can do VTI+VXUS w/rebalance  or VT set it forget it.  If you want to try and beat market with somewhat decent odds. You can allocate some percentages to us growth, small cap value, emerging market. 5% each. 

HotfixLover

At your age, for a Roth IRA, the difference between ETFs and mutual funds isn’t that big. If you want to follow the Boglehead 3 fund, FZROX/FZILX is simpler and has no fees, but VTI/VXUS offers flexibility if you plan to move the account later.

neonam11

Buy VXUS

dooknuckduster

Either one will work. FZROX / FZILX, VTI / VXUS, ITOT / IXUS (blackrock iShares), etc

neonam11

You need earned taxable income to contribute to a Roth IRA. I vote you open a brokerage account (you can take the money out whenever you need it) and put 500 in VOO and 500 in VXUS. It will teach you about diversification, patience, and the power of compound interest. With luck, it will grow every year and you will be contributing to your investment as often as possible.

Cruian

>Initially I was leaning towards VTI/VXUS because ETFs are better for portability The Zero mutual funds would likely only add a market day or two to your move. That's so small I wouldn't worry about it. >and I like the ability to just sell during the day as opposed to waiting at the end of the day. For some people, that makes it more likely they commit a behavioral mistake. >However for FZROX/FZILX I learned that portability doesn’t matter as you can liquidate all the assets in a tax advantaged account before you move to another company. Correct. The performance difference between VTI/FZROX and VXUS/FZILX should be incredibly close to the point which is ahead may even trade places from time to time.

Emotional-Power-7242

Just VTI and VXUS is fine

Emotional-Power-7242

VEU doesnt have small caps, it's VOO for international. VXUS is VTI for international.

JDMonster

What's the difference between VXUS and VEU?

Vegetable-Twist-6689

Damn that's impressive savings at 22, you guys are killing it Honestly sounds like you're already on the right track with the Roth IRAs and index funds. I'd probably max those out first ($7k each for 2026) then throw most of the rest into a taxable brokerage with boring stuff like VTI/VXUS. Keep maybe 6 months expenses as emergency fund and you're golden The fact that you're asking means you won't gamble it away lol

reinvestedinterest

It depends on your goals/portfolio strategy. VT is the whole world, but VXUS is the international market. I personally have VTI and VXUS to diversify my portfolio and because I believe in the US market + want international exposure. VOO grows slighly more than VTI because it kicks out the small/mid cap markets but I want those in my portfolio.

sunnbeta

>I’m playing with around 2 grand and I invest 10 percent of every check into the account which is a HYSA HYSA is usually referring to a high yield savings account, which stocks are not… (though something like SGOV can function that way)  I’d stick to just VTI/VXUS unless you’re looking for specific exposure not covered there (like precious metals) 

Fbreezy_

yeah originally i was going with VTI and VXUS since that’s what i saw everyone saying, but figured just go with the Fidelity options since i’m on Fidelity (probably just the ocd kicking in) with bitcoin, i love bitcoin. wanted to have some sort of exposure, even if it’s a little.

GaylrdFocker

That's perfectly fine. Most people recommend VTI/VXUS because 1. it's cheap (FSKAX is cheaper, FTIHX is close enough) and 2. it's easy to move (in a Roth IRA you can sell and rebuy whatever you want if you leave Fidelity) Having Bitcoin is a personal preference but you are only doing 5% so go for it if you want.

Last_Contact

I was only comparing VT to VOO/VTI, not to the well-diversified portfolio you described that includes international exposure and bonds. For example Vanguard recommends combining VTI and VXUS if you want flexibility. So splitting VT into separate ETFs is okay if you can manually manage international exposure.

MinuteBusiness8445

Honestly this is like arguing whether pizza or tacos are better - you're gonna be fine either way lol Your approach with VTI + VXUS gives you more global diversification which isn't a bad idea, especially starting out

National_Western8419

Been sitting on VXUS for years and it's been a solid addition to my portfolio alongside VOO. The international exposure helps smooth out some of the volatility when US markets get choppy

boyinahouse

That fund looks like a tech heavy US fund. Like others have said, I would turn off reinvesting dividends and distributions. Then, I would just buy VXUS a little to balance things out for a while. I'm not sure how much you have in it, but I wouldn't sell it. Depending on your state and tax bracket, tax might be high. Honestly, the holdings in that fund are pretty good. I'm saying this as a VT holder.

InjuryEmbarrassed532

Will trash like VXUS outperform until 2028? Doubt it, at most until the midterms 2026.

Emotional-Power-7242

VTIAX is VXUS in a mutual fund. There's also VTWAX which is VT in a mutual fund (65% VOO/35% VXUS). You can transact as much as you want in an IRA with no penalty. For simplicity sake I would probably sell everything and put it all in VTWAX. But you could also sell just the target date fund any whatever VTSAX is required and buy VTIAX till you hold 70% VTSAX/30% VTIAX. This assumes you want no bonds. There's nothing wrong with bonds and there's actually a good reason they put them in the target date funds. So 100% of the account in three 2050 target date fund is also good.

InvisibleEar

My sister is up 50% on VXUS because I told her to max both years of the roth after the tariff pause because she isn't a bear...isn't it interesting I don't follow my own advice

Gravecrawler

VXUS for ETF or the mutual fund equivalents like FTIHX, FZILX (Fidelity only). Those are all total market, I don't know much about specialized ones.

Spear_n_Magic_Helmet

VXUS casually doing 2-3x SPY jebus

Minimum_Tomato4324

I do really love VTI and VXUS. It feels like the perfect blend of diversification while not being overly complicated. If one has a downturn, the other might pick up

WordnFaith

You're overthinking it. VTI and VXUS is already perfect for your age n don't start chasing sector bets like silver mining or trying to time bonds because you think a downturn is coming. Nobody knows what the market will do n at 24 you've got decades, just keep dumping into your current setup. Keep 6 months expenses in the HYSA as your emergency fund, everything else goes to VTI and VXUS n I know it's kinda boring..

Oogawooga9999

19.6%, 89% of portfolio is VOO and 10% is VXUS which performed phenomenally with 28% growth in 2025

MassiveBoner911_3

Around 16%. Little less. I hold a LOT of VXUS which is international. Rest is VTI.

HumidMind

Had a great year: 25.09 and left the Mag 7 and S& P behind doing it. Had big gains realized last year and changed gears. Basically 1/3 us stocks 1/3 foreign gold plated stocks and the rest in metal. IRa only has 5 diff stocks and some GLDM and VXUS. Gold was the big win this year.Foreign currency gains spanked as a bonus.

BenjaminDanklin1776

56% MP, LAC, LYNAS, FCX, LUNR, RKLB, LNG, VTI, VXUS. Im big into critical minerals, space, and energy.

clingbat

Lol go into /ETFs or /bogleheads and VT vs VTI+ VXUS comes up pretty much daily... Anyone can buy VT. I'm holding it in my Fidelity account without issue. Heck here's one from just a few hours ago... https://www.reddit.com/r/Bogleheads/s/BmoIdS4Hsg

clingbat

Yes, in fact I think for Fidelity at least, you can actually get a check book and debit card to a CMA which is linked to your money market funds so you can freely swap money between the two (and your investments) and use the CMA essentially as a checking account. We don't do this, but it's an option. We just have our TD bank checking account directly linked to our MMFs. I doubt FZCXX can be set up in Schwab given its a Fidelity MMF, but you can always check, or they may have their own version of the same thing. No I mean VT. VT is vanguard's total world stock ETF that self balances US and international stocks across the entire globe (almost 10k stocks). I believe currently it's a 62% US / 37% international stock split. I can't think of a single more diversified single ETF that exists, hence me choosing it for my set and forget stock in taxable account. VTI is vanguard's total US stock ETF, so it lacks the international component (hence people pairing it with VXUS for international exposure).

Aquabullet

35.03%. I was honestly very lucky... GOOG, LEU, MLI, NLR, ASTS, FCX, RDDT And I moved a portion of my holdings into VXUS. Vast majority of my holdings are still VOO and a target index fund though.

FewCinnamon

Yeah VXUS is up 28% this year

NewPhoenixRising

I would stick with a three fund portfolio minus the bond fund. [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) I would do 80% VTI and 20% VXUS (they can be purchased just as easy at Fidelity or Vanguard, doesn't make much difference). I am guessing you currently have the funds invested in a taxable brokerage account at Schwab, which means you would have to sell the fund you have at Schwab since you want to make a portfolio change but that could incur a capital gains tax. Unless the fund you are currently invested in is terrible, you might also look into the option of keeping it and investing all future money in 80% SWTSX and 20% SWISX at Schwab.

GitDaHellOuttaDoge

And VEA outdid VXUS obvious pivot away from weakening dollar and hedge against perceived tech valuations

legible_print

And VOOG has out performed VTI. And VTIAX has outperformed VOOG. And VXUS has outperformed VTIAX.

alwayslookingout

Internationals has been on a tear this year. VXUS almost doubled VOO at 31.85 vs 16.89.

CanYouPleaseChill

There are options beyond the S&P 500 with far less AI bubble risk and lower valuations, for example: \- AVUV and AVDV: small-cap value \- VXUS: international ex-US

hungover247365

Only thing up in my portfolio in the last week is VXUS, Sadly VXUS is only 5% of my portfolio........ The world is diversifying away from the US and has been all year, don't know why I didn't reallocate more to VXUS.

plasticbug

Given your investment time horizon (30+ years), I wouldn't buy SCHD in your Roth. Your Roth is the most powerful tool you have to grow your wealth. Rather than SCHD, I would buy VT, or mix of VTI/VXUS that will give you more growth than SCHD, even with all the dividend invested. For example, in the last 10 years, SCHD with dividend re-invested, had total return of around 11.5% a year. VTI did 14% in that time frame. That doesn't look like much difference, but assuming same rate of returns, over 30 years, you will have twice as much, if you went with VTI rather than SCHD. Once you near your retirement, and want more stability in your portfolio, you can sell off your positions with no tax drag (isn't tax advantaged account wonderful?) and rebalance.

Rockatansky77

It's okay to make mistakes if you learn from them. SP 500 is a good starting position. International markets have been out performing U.S. markets. Consider adding VXUS or IXUS or just chill for now. Keep educating yourself and add to your portfolio whenever you can.

BarefootMarauder

Ouch. Those were tough stocks to hold, especially this past year. Stick with low-cost total market index funds like VTI and VXUS. If you're going speculate, especially on stocks like MSTR, do it only with money you're willing & able to lose.

Emotional-Power-7242

VT does not qualify for the foreign tax credit as it is not currently more than 50% international equities. So holding VTI+VXUS is slightly more tax efficient. You will get the foreign rsx credit for VXUS. You may have to do a little rebalancing (just once yearly is fine) to maintain the correct ratios.

LurkerFailsLurking

VXUS is +29% YTD. QQW Losing to VXUS is a pretty bad sign

jvick3

I even left out dividends. VTI has a dividend of about 1.1% compared to VXUS 3.2%.

jvick3

They’re nearly even last 6 months: VTI 11.3% to VXUS 9.9%. But in 2025, VTI did 17% to VXUS 29%. Do you really think US is always gonna beat international? There are lots of periods where it doesn’t.

jvick3

2025 has entered the chat. VXUS had much higher returns than VTI

wegster

Look - I do think you're getting \*wrecked\* by some of the comments, but they're also not wrong. You're background whining about more or less being an incel and 'woe is me,' before the market losses, and I get it - life can be a bitch. However: 1. You're young. You've got plenty of time to improve your life and to make better choices. 2. You're employed. A ton of people aren't - a someone who has been hiring in tech over the past years, it's been damned obvious the entire market (including hiring in AI unless you have a \*very\* special/unique pedigree (e.g. leaving Deepmind or a few others) has been utter crap for at least 3 years now. 4 years ago, couldn't get submissions. 2.5-3 years ago would get 300 submissions in 2-3 days. Make yourself seen in a \*useful\* way at work. 3. I see you've already posted about 'maybe coming back in a bit and trying again' - this doesn't sound like 'lesson learned,' it sounds like 'once I have enough money to gamble, I'll do it again.' It's your call, but hey, S&P is up 18% or so and VXUS even more - you could have taken the cash, or profits and dumped 90% of it into VTI or SPYM/VOO and VXUS or DFIV and had - <something>. I won't even ask if you've got retirement accounts, but there's a reason for the mantra of emergency savings, pay off high interest debts, max retirement allocations, etc. before brokerage or trading accounts. RE: no friends, no dates, blah blah. Try to take a look at yourself from the outside. Are you obsessed with trading that any convos you have are about that, or do you actually listen to other people? Do you give monologues or actually interact when you engage with others? Do you bathe, shave, wear clean clothes, etc. ? These are all things you can work on. Look at Meetup groups or equivalents, hopefully for something besides options trading. Get out of the house/apartment/etc. It's ALL work, man, but the endless 'woe is me' is a self-perpetuating cycle, and even real friends can get tired of hearing about it if everything they get from you is negatives. You can take lessons from the past, but nothing good comes of obsessing over it as it can't be changed, but you can change in how you look at things, and plans for the future. If you want to jump back on the options train, how about limiting it to for example, 10% of your holdings max, no matter what happens? It's all on you if you take any sane lessons away from this, and use it to improve your own future, or stay in the 'woe is me, maybe I get fired, no one likes me' mentality. And you're not the only one - many of us have had serious ups and downs in their lives, and had to 'adjust' as to 'now what?' I've moved across 10 states or so not knowing a soul - a whole lot of lonely 'new starts from scratch' with accompanying moments of loneliness and 'wtf am I doing?' at times. Came damned close to losing a house, temporarily lost a career in one of the big crashes, but you don't give up - you take the lumps, the lessons learned, and move the F on. Good luck!

Trevor4032

Need advice. Have been maxing out my Roth IRA for several years, and now finished grad school and have a job where I have enough to also invest in a brokerage account. I invest in VOO, VXUS, and BND for my Roth, and will likely do mainly VOO, VXUS, and maybe QQQ for brokerage (still researching). I have around $30k I want to pull from savings to invest as well. Should I lump sum invest all of it now, or spread out throughout the year (e.g., invest weekly/monthly)? Will also be investing a portion of my income monthly into the brokerage as well. Does anyone have any advice? What are some great ETFs to invest in for a brokerage account? General pointers/advice appreciated as well. (27 years old, employed with $110k salary, not super risk-seeking, and looking for medium/long term).

Trevor4032

Need advice. Have been maxing out my Roth IRA for several years, and now finished grad school and have a job where I have enough to also invest in a brokerage account. I invest in VOO, VXUS, and BND for my Roth, and will likely do mainly VOO, VXUS, and maybe QQQ for brokerage (still researching). I have around $30k I want to pull from savings to invest as well. Should I lump sum invest all of it now, or spread out throughout the year (e.g., invest weekly/monthly)? Will also be investing a portion of my income monthly into the brokerage as well. Does anyone have any advice? What are some great ETFs to invest in for a brokerage account? General pointers/advice appreciated as well. (27 years old, no debt, employed with $110k income, not super risk-seeking, and looking for medium/long term).

Gimme_All_The_Foods

Splitting them makes it far easier to tax-loss harvest the individual asset classes so I would recommend purchasing shares of VXUS so the total percentage is roughly the market cap of VT.

EliteAsFuk

I agree with the other user pointing out that VT is the entire stock market. So you're doubling up on VOO and VXUS by sticking with VT. Personally, I would probably just toss that money into VOO or spit it amongst VXUS and VOO at you desired balance. Others may have different opinions.

Casual_Expert

Thoughts on my current ETF split: VGT 11% - VOO 51% - VXUS 24% - VT 14%

UwU_MilkDrop

I would stick with VTI + VXUS if you already have a large amount in VTI, especially in a taxable account. VT is convenient, but tax-wise it doesn’t change things dramatically.