VXUS

perfmode80

Best way to diversify is to get out of those sector specific funds. A diverse asset allocation would be US stocks (VTI), foreign (VXUS or VEA+VWO) then maybe some some REITs or bonds, depending on your time horizon and account type (taxable vs retirement).

Cruian

>The U.S. stock market has outperformed international stocks over the long-term, You're only looking at the end point. There's lots of important information in the middle that you're ignoring. >Again, nothing wrong with investing in VXUS but I would treat it more like a bond holding and risk hedge. A 100% stock fund is in no way anywhere near the same as bonds. As some of my links pointed out: for a certain definition of long term (going back to 1950), the entirety of excess US performance is just from the most recent US favoring part of the cycle. >If you think VXUS is suddenly going to vastly outperform VOO, well...ExUS earnings growth has been poor for a long time. I don't see that magically changing. Valuations matter in the long run. * The last decade or so 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)

wolley_dratsum

I don't know what to tell you. The U.S. stock market has outperformed international stocks over the long-term, with a 10.17% annualized return since 1926 compared to lower returns for international markets in aggregate (i.e. a makeup like VXUS). I think Warren Buffett said it best: Warren Buffet said it best in his 2022 letter to shareholders (page 9): “America’s dynamism has made a huge contribution to whatever success Berkshire has achieved — a contribution Berkshire will always need. We count on the American Tailwind and, though it has been becalmed from time to time, its propelling force has always returned. I have been investing for 80 years — more than one-third of our country’s lifetime. Despite our citizen’s penchant — almost enthusiasm — for self-criticism and self-doubt, I have yet to see a time when it made sense to make a long-term bet against America. And I doubt very much that any reader of this letter will have a different experience in the future.” Again, nothing wrong with investing in VXUS but I would treat it more like a bond holding and risk hedge. If you think VXUS is suddenly going to vastly outperform VOO, well...ExUS earnings growth has been poor for a long time. I don't see that magically changing.

elitesense

Why is it not advisable? Where is that coming from? The overlap is accounted for and desired, that's why it's only 50% VOO, then VTI adds more S&P (on purpose) with a but more US exposure. VXUS is kind of trash so my international is split SPDW/VXUS.

Cruian

Why not use VTI + VXUS then? VT drifts with global market cap weight, while VXUS would always be 100% ex-US, so you could just do 70/30 VTI/VXUS of you want the fixed ratio. Plus using VXUS should have a very slightly better expense ratio than VT (granted, probably only 1-2 basis points) and the ability to always claim the foreign tax credit for the VXUS side.

Cruian

Revenue source isn't the international diversification that actually matters. Capturing how foreign stock markets behave is. Companies will generally act far more like their home country's market. Fidelity talks about that here: * https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths if that link doesn't work: https://web.archive.org/web/20201112032727/https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths (Archived copy from Archive.org's Wayback Machine) And it was covered by Ben Felix in a video titled "International Diversification" that was posted last year on YouTube (I really need to find a link to a text only version). I believe he cited several sources. Every vehicle in my work's parking lot is a non-US brand, many electronics are Asian branded, European brands can be found in medicine cabinets, kitchen pantries, and cleaning supply closets across the US. A European brand is a large seller of gasoline in the US. Does that make FZILX or VXUS all you need for US coverage? Of course not, and it doesn't work in reverse either.

snipe320

Overlap is not advisable. You'd be better off 80/20 VTI/VXUS

SirGlass

Its fine , many people will add some foriegn stock holdings for diversity like VXUS , lots of people will not because for the last 15 years it has under performed USA stock index funds like VTI As you age you will want to add bonds to make it a bit more conservative

duyductulsa

buy ETF only if you like lazy and chill 1 ETF = VOO 2 ETF = VOO + VXUS (US best + Non US) 3 ETF = VOO + VXUS + BND ( US + Non US + Bond) how much to invest ? In example: if your income = 10k a year, you invest $10 daily or $50 weekly 20k = $20 daily and so on !

faxanaduu

You can sell and tax loss harvest. Index ETFs might be good for you. VOO or VTI. Auto invest weekly into them and just dont look. A decade or two of that you will be up for sure. Throw in VXUS if you want international exposure. It's very hard to pick individual stock. I invested in my 20s a month before the great recession. It messed with my confidence. That was the best time to buy. I did with 401ks and they have exploded. That showed me that auto investment is brilliant. I buy on dipslump but also auto invest. Might be a good route for you.

AngooriBhabhi

Invest in VTI & VXUS Or just VT

FxHorizonTrading

Maxed 401k? IRA? Buy VTI/VOO + VXUS to be on the safe side.. Thats the way to slow but steady riches - you have a HUGE headstart, dont blow it

JeffB1517

If you want a small and value tilt: FNDA, FNDB, FNDC, FNDD, FNDE, FNDF equal as a core. Non-taxable add SFREX (not available as an ETF). If you want a bit less value: long term investment: 13.33% in each of FNDA, FNDB,FNDC, FNDE, FNDF, VTI, VXUS. Rest (6.66%) VWO

MONGSTRADAMUS

I can tell you what I did for my scv but I don't know if its best for everybody. I used vti and vxus as opposed to VT for my base holdings. added avuv and avdv for some tilting. The overall look of portfolio is 45/30/15/10 VTI/VXUS/AVUV/AVDV. I was basically trying to keep 60/40 US/EXUS and also 3:1 All market to scv tilts.

MaleficentTell9638

Or 48% VTI / 12% VXUS / 40% BND. Works for me.

SmileyChatts

I was thinking of $5.00 being my exit too. But after waiting 4 years for any profit, is it worth the extra $100? I am probably just happy getting any money back after being down as much as 80% at times. I hav been buying VTI every week over that same time period. I have an average share price of $216. Was up as much as 20%, but now about 14%. My experience with MTTR and CHPT was what made me move to VTI/VXUS.

SmileyChatts

I started buying MTTR at around $20 in 2020. I averaged down to $3.99 with 551 shares. Super happy to see it finally in the black after 4 years of waiting.  I’m more of a VTI/VXUS guy now, so I think I’ll just sell for a small profit and move on.  I think having all the cash back to buy more VTI is better than getting some cash and around 17 shares of co star. What do you think? 

OSP_amorphous

Opinions on SMH? I'm 60% VTI and 40% SMH, have another 20-30% of my account in new cash ready to invest, should I got VXUS or SMH? I'm 36 and have steady income and no debt. My thoughts are I can risk SMH for 2 to 3 years and then roll over to VXUS at a random point in the future.

Cruian

>the VEU (I think this is the extended markets etf), or a VO/VB split. VXF is US extended market. VEU is international (a more limited VXUS).

Sprinks36

This is a good idea! VXUS (or VYMI) for international exposure, the VEU (I think this is the extended markets etf), or a VO/VB split.

Cruian

SCHF lacks emerging markets, if those are desired they'd need to either add SCHE or use something like VXUS instead of SCHF. There may be a gaop created by using VB instead of VXF as well when paired with S&P 500.

Cruian

International, such as VXUS, as there's routinely periods international beats the US for runs. US extended market (the parts of the US market that aren't in the S&P 500/C fund). VXF for example. Both of these should have effectively 0% overlap with S&P 500 (as S&P 500 is US only and VXUS can be read as "Vanguard **excluding** US; and VXF essentially picks up where S&P 500 ends).

WhatTheHeck2019

There's a lot of overlap imo, which is why I wouldn't.  If you're wanting to get a piece of everything you could always go with VTI. It had similar performance, but VOO has constantly beat it I believe. Some may recommend also getting a little bit of VXUS for world exposure to round things out. I'm not a fan with its performance though.  There's also bond etfs, but I think that's a bit more for the later years.  Not advice, but I don't think you can go wrong with mostly voo or vti. Maybe set aside a small amount for personal picks and learn by doing. Never know, you might find you're a good trader and become more hands on. 

Zero_Gravity067

Buy low cost index funds (VTI, VXUS) every month in tax advantaged accounts as much as possible that’s investing You don’t predict the market or time you buy it consistently, boring, as automatically as possible , by a preset percentage of your gross income. I have my allocation written down I stick to it rebalance once a year at maximum only keep 10% in individual stocks

Lumpy-Wing-4060

I prefer VTI, VXUS, and VNQ.😎

mustermutti

I agree it makes sense to look at asset allocation holistically across all accounts. So decide what percentage you want in US vs international, and implement that in your overall portfolio. Doesn't really matter what each individual account holds. For taxable, I would prefer VXUS+VTI over VTI due to small tax benefit (foreign tax credit) by the way. Depending on hour relative account sizes you could even go 100% VXUS in taxable and 100% VTI plus some VXUS in Roth (or fidelity fund equivalents).

eyehunt2

I like this, 80% VTI, 10% VXUS, 10% BND would be my only adjustment

02Avy

I’d add some international like VXUS. The rest probably VOO. You already have quite a few positions, but if you’re looking for something else, here are some I like. QQQ VGT MOAT SPHQ SPGP. Portfolio Visualizer is a great website to play with different holdings, and get a better understanding of your own portfolio. Keep killing it man

FxHorizonTrading

Just buy low cost index funds like VTI/VOO + VXUS with a 70/30 or even 80/20 split to have broad diversification, low costs and a real passive cap growth Dont touch it whatsoever and just add whatever you want at any point

Valuable-Analyst-464

Before you load up on taxable, look in the Bogleheads sub for the financial order of operations. Emergency fund, pay off high debt, company match for 401k, HSA, Roth IRA then taxable. (I feel like I forgot something). VTI/VXUS or VT are good ETFs to get going in all of the investment accounts I mentioned.

Beerhavior

I think you're young enough not to worry about bonds yet. I'd do 80% VTI, 20% VXUS and call it a day. 

HulksInvinciblePants

VXUS is negative YTD. Lower volatility over a single day doesn’t negate the worse risk adjusted return.

jwd52

I think virtually every regular, non-insanely rich person would benefit from a “Boglehead” strategy, meaning that you invest in the total market via funds with the lowest possible expense ratios. That means either going 100% VT or something like 65/35 VTI/VXUS. Then as you get older (since you’re so young, we’re talking decades from now) you can start gradually transitioning over to bonds. Doing this guarantees that you’ll capture average returns, all with very little work and relatively low risk. Active stock pickers lose out against this strategy something like 95% of the time over the long run. There’s no good reason to focus on dividends, imo, especially not at such a young age. They’re not free money, and they create taxable events when you might not want them.

Key-Mark4536

I hold several individual stocks, and I thoroughly agree with this. (Aside from maybe putting a bit in an international index fund like EFA or VXUS. But that’s a matter of personal taste.)  Thing to remember is that a stock is an ownership stake in a company, and before you buy a company you should probably have a really good reason to do so. A lot of newcomers just kind of buy into companies they’ve been hearing a lot of buzz about, and that rarely works out. 

AP9384629344432

She's apparently been buying tons of Tesla in recent weeks/days. Believe it or not, even VXUS is outperforming ARKK over 5 years (by 18% total) and YTD (by 16% total), though is 7% behind on 1 year.

Pushinir0n

Lol I bought some ETFs like VOO AND VXUS for my taxable and VTI SCHD QQQM for my Roth . That was like 2-3 weeks ago. And everyday all I’m seeing is RED lolol.. I mean I’m in it for the long term but fuccckkk I’d like to see a Green Day one day 🤣🤣🤣🤣

boxofninjas

I use Fidelity and my set up is a TDF (Vanguard 2055) for my employer retirement account. Roth IRA 70% FZROX 30% FZILX Brokerage 75%VTI 10% VXUS 10% VGT 5% Random stocks I’ve held for some time. Besides the radon single stocks everything is set up to automatically invest on a weekly/monthly basis.

ButtBlock

This is actually exactly what I do. The PRC is uninvestable as far as I’m concerned. Otherwise would do VXUS. I’d prefer to have some exposure to ROC, but it’s a minor disadvantage I think.

bobdevnul

Ok, now quit trying to pick the next hot stock or sector fund and try one or two highly diversified, broad market, low management expense index funds - VTI+VXUS \~70%:30% or VTI. Believing in stocks and funds is pointless. The don't believe in you.

BabuBihari

Thanks! Great explanation. So your advice would be to increase exposure to international ETFs like VXUS?

BabuBihari

Thanks! Great explanation. So your advice would be to increase exposure to international ETFs like VXUS?

MettaSoop

VTI and VXUS held at market cap

Cruian

What's the reasoning for QQQM? Is it based on an actual understanding and agreement of the inclusion criteria, or is it simply performance chasing? If the IRA uses VTI + VXUS, consider similar but different funds for taxable in the event you ever wish to tax loss harvest. Such as ITOT or SCHB for US, IXUS or VEU for ex-US.

77CrossxX

Hello, I'm a new investor and I have a few question? For starters, I opened a brokerage account with Fidelity and I'm looking to earn passive income. Currently I have the following etf/stocks: 1.Voo 2. VIG 3.VXUS 4.TSM 5.FXAIX 6. AMZN I feel like I'm not diversified because my portfolio is weighted mostly for the technology sector. Should I sell some to invest in other sectors? Am I owning too many etfs? I am thinking about purchasing ETFs for real estate to help diversify. Is that a good idea? All advice are welcome.

AlternativeOwn3387

yes keep VXUS

the_leviathan711

> I’m invested into VOO and VXUS. I’m really unsure if I want to keep VXUS though. Buy high, sell low. That's the way.

thewerdy

Yeah, international is a generally good idea if diversification is what you're going for. VT obviously would basically capture that but a lot of people split VOO/VXUS for tax reasons. Small caps honestly I don't really know.

MattieShoes

1. No. 2. Lump sum in January yields higher average returns (more time invested in the market), but it'll be a bit more volatile than DCA. 3. Yes. VOO is only gigantic companies on American exchanges, and it's a blend of growth and value companies. There are other options... To list a few: * VTI -- Invests in most American stocks regardless of size, but weighted on size. So it's like 3/4 VOO, but the other 1/4 has smaller American companies. Generally does almost the same as VOO * VT -- Invests in world stock markets. Has underperformed for a couple decades, but who knows what the future holds. * VXUS -- Invests in world stock markets excluding the US. Has very much underperformed, but who knows about the future? So you can think of VT as VTI + VXUS in a certain percentage... I think 60-40ish. But you could take VTI and VXUS in whatever percentage you want. Then there are things like precious metals, commodities, bonds, REITs... Their returns aren't very correlated to US stock market returns, so holding some combination can reduce volatility in your portfolio. Plus rebalancing your portfolio periodically can act like a weak "buy low sell high". But generally stocks are the highest-performing asset, so these blended portfolios are usually trading away return in exchange for the lower volatility.

tillytonka

I also have a 401k and a brokerage. Remember to invest in ETFs and not just let the money sit in your account. Buy VT or VTI/VXUS and don't stop adding to it til you retire

Kindred87

Also, had you kept invested in the US for this 10+ year cycle, you could TTA to greater ex-US holdings after 6-18 months of consistent performance above the US and still come out well ahead of those that stayed 40% this entire time. The delta between US and ex-US performance has been insanely huge. Napkin math on my portfolio says that ten year earnings would go from ~339% mostly US to ~266% at 40% VXUS. It's goofy, though I won't fault those that stick with the method and I also acknowledge that they'll still make money by doing so.

junger128

Good call, VTI+VXUS+BND. Approximately 20% - 40% in ex-US stock, 0% - 10% in bonds and the rest in US stock. This is the Vanguard glide path for investors your age and aligns basically any target date at your expected retirement age. Trust the experts, not your or someone else’s gut feeling. https://institutional.vanguard.com/investment/strategies/tdf-glide-path.html

MotoTrojan

Solid option. My main gripe with VT is that for US based taxable investors, you do not get the FTC (foreign tax credit) like you would if you held VTI/VXUS. Personally I recommend using AVGE (or AVGV if you are okay with all-value) for single ticker, globally diversified, tax-efficient (ETF-of-ETF structure does get the FTC) with a modest tilt to size/value/profitability factors. AVGE is 70/30 US/ex, AVGV is 60/40 and all value.

codece

Short-term isn't investing, it's gambling. We have no idea how old you are, what your goals are, what your current financial situation is, debts, income, home ownership -- no idea. We don't even know how much you have to invest. $10K? $50k? $100K? No idea. You should absolutely (in order:) 1. Have a suitable emergency fund in a HYSA or some other place where you can access your money quickly and without penalty if needed. Like 6 months of living expenses; then 2. Make sure you are maxing out contributions to an IRA every year and/or (preferably AND) a 401(k) if it's available to you. These are tax advantaged accounts, so make the most of it. IF you have an employer who does matching contributions to a 401(k) that's free money. Take it, don't leave a penny of it on the table; then 3. Open a taxable brokerage account. Don't try to time the market ("I feel like I’m late to the party") -- time IN the market is a better strategy than trying to time the market. Rather than look for "the next big thing that's gonna be 10x in value soon," invest in a diverse array of equities that are likely to still be around in 20+ years. ETF's that are broadly based are the easiest way imo to achieve that. I prefer to invest in things like VTI, VOO, VXUS. Those are Vanguard products, but there are many others out there. Set it and forget it, and wait 10-20+ years. That's just my strategy, it works for me. >something that makes me money. You mean like regular income, now? If you're thinking you can tuck $20K into an investment and it'll immediately start earning enough income to make the payments on your car, forget it. You'd be better off to take the $20K and pay off your car now (or at least take a big chunk out of what you owe on it.)

_Cornfed_

Because they are heavily diversified and easily handle two of the main categories. If you do an overlap analysis, VTI has the same stocks most other popular options have VTI has 3733 stocks and handles the US market. VXUS has 8598 international stocks. Dividends don't really make a difference until you have a few hundred thousand invested, and if you want dividend income, it's a different strategy.

AP9384629344432

Bought a touch more BTU + HCC today, along with usual VXUS + a little CELH / DAKT. Last week I had bought all the indices + Small cap value + mixture of XOM/BTU/CROX/CELH/UI. You can look up what BTU did in 2022--it's my hedge against geopolitics / energy trade. If the macro funds decide they all want to go long energy at the same time, you could see a pretty crazy thermal coal rally imo, divorced from fundamentals. Any disruption to usual natural gas flows around the world (e.g., LNG being redirected away from Asia to Europe or vice-versa) could see a rush to stock up on thermal coal.

_Cornfed_

VTI, VXUS, dealer choice

Squirrelherder_24-7

Open an account with Vanguard and put 80% in VTI and 20% in VXUS. Don’t touch it for 20 years except for rebalancing to this allocation every year….or do something more complicated and risky….

MrDozens

If you just started investing right now and at your age that's fine. You have the time for the market to correct itself. You can just VTI + VXUS or something similar and you'll be fine. The reason is because your grandmother will have a different risk tolerance since she's older and dont have a lot of years to wait for market to go back up. When you're young it doesn't matter much, but it will when you're old.

ZettyGreen

All of VTI is held within [VT](https://investor.vanguard.com/investment-products/etfs/profile/vt), there is definitely overlap. If you want an international only fund, see VXUS

ButtBlock

VTI and VXUS in the house!

junger128

Build a 3 - 6 month emergency fund first in a HYSA or MMKT. Next max your Roth IRA, then contribute up to your employer’s 401K match, next max your HSA (if available), lastly max your 401k if possible. If you’ve done all that then contribute to a taxable brokerage account (VTI + VXUS are good starting points).

RandolphE6

VTI and VXUS will cover the US market and international market which basically gives you everything. You can consolidate this into a single fund VT which has everything. Another popular pairing is VOO and AVUV. That's the SP500 (large cap) and small cap value. There will be no overlap.

ZettyGreen

VTI and VXUS Or if you want bonds: VT(which is a combination of VTI and VXUS) and BND(which go figure is bonds).

fledgling66

Yesterday I bought a little bit of JPM, a little bit of VXUS, and a whole lot of UNH. Anyone else?

fledgling66

Yesterday I bought a little JPM, a little VXUS, and a whole lotta UNH.

Cruian

VTI and VXUS fill the 2 stock parts of the 3 fund concept. You'd keep buying both of those. VOO is already fully included inside VTI, as over 80% of VTI's weight. See https://www.bogleheads.org/wiki/Three-fund_portfolio >VOO is the big player (my plan is to keep what I have) For this one, I wouldn't. Why when you already have it covered? >What do I do with VXUS? Continue buying, just the same as you continue buying VTI. You'd find a suitable ratio of US to ex-US.

MotoTrojan

I'd just buy AVGE and keep life simple. Tax-efficient (tax-free rebalancing), 70% US, 30% ex-US, with a modest tilt to small/value/profitability factors. Let it run the portfolio for you. Can use in Roth IRA, taxable, anywhere. Then focus on your income. VTI, VXUS, and small-value is fine too but that is essentially what AVGE is, all in one easy to use low-cost tax-efficient package.

boxofninjas

I use a TDF (also the Vanguard 2055) for my employer retirement account. So in my Roth IRA and brokerage accounts I don’t hold any bonds. My setup Roth IRA 70% FZROX 30% FZILX Brokerage 75%VTI 10% VXUS 10% VGT 5% Random stocks I’ve held for some time

Pushinir0n

My taxable one is Voo and VXUS

AICHEngineer

Looks good. Should probably be at least 20% VXUS, maybe 30. But this is very very solid, good portfolio

jvillasante

Hello, I had a Roth IRA at Schwab of around 50K that I recently moved to Robinhood for the 3% match. The money arrived today and I'm thinking on how to invest it and forget it. So far this is what I'm thinking of doing: 90% VTI and 10% VXUS (I'm 40, will be adding bonds later). What do you think about those allocations, should I add bonds now? should I go with a dividends ETF instead? Would they make sense for a brokerage account also? Another question that is not clear to me is what happens if I want to change in the future my allocations? Let's say I have everything in VTI and I want to put everything on SCHD. Do I need to sell VTI to buy SCHD or is it possible to just converting? If I have to sell in order to buy another, will that trigger any taxes that I will have to pay at the time of selling? Is there a better way? Thanks in advance!

TestOk4269

I currently have an employer provided 403b retirement account. Here's a picture of the investments they have me in: [https://imgur.com/a/xE8J2ga](https://imgur.com/a/xE8J2ga) The financial advisor charges 1% to manage my retirement, and they meet with me once a year to go over the performance. About 4 years ago, I started my own Roth IRA in M1 Finance to supplement that retirement account. It's 100% VOO, which I understand is aggressive, but it's just a supplemental account and I'm far enough away from retirement that I love dumping money into it when the market is falling. It gets a regular monthly deposit unless the market is doing poorly, in which case I double/triple the deposits. My Question: Would it be in my interest to direct my financial advisor to simplify the investments in my 403b, toward something like a 3 ETF setup (VTI, VXUS, BND) with a 90/10 stock/bond split? * I'm 42 years old and live in the US * I make alright money for my area and no debt besides a mortgage with about 8 years left * I'm more than 20 years from retirement * I'm very comfortable with short term volatility/loss as long as the long term plan is sound.

jvillasante

I just transfer my Roth IRA from Schwab of around 40K and got over 1K of free money with the 3% match. Immediately got VTI (90%) and VXUS(10%) invested. I won't look at that account again until next year to make a contribution and re-balance. I'm also on the credit card wait-list, which I see as a 4% cash back on everything with no caps because if you redeem that 3% cash back to your brokerage they will match with an extra 1%. That 1% match is making me also think about moving funds from my brokerage at Schwab, but haven't looked at the terms yet. I don't know why people hate Robinhood, they look like a no brainier to me and they are SIPC insurred. They are even better for not invested cash at 5% APY.

Pushinir0n

Factsss 80% VOO 20% VXUS LFGGGG

Pushinir0n

What percentage of it do you like? I’m 80% Voo and 20% VXUS

SausageExplosion

This subs prefers VXUS so you can make an exhilarating 2% a year instead of

TestOk4269

I currently have an employer provided 403b retirement account. Here's a picture of the investments they have me in: [https://imgur.com/a/xE8J2ga](https://imgur.com/a/xE8J2ga) The financial advisor charges 1% to manage my retirement, and they meet with me once a year to go over the performance. About 4 years ago, I started my own Roth IRA in M1 Finance to supplement that retirement account. It's 100% VOO, which I understand is aggressive, but it's just a supplemental account and I'm far enough away from retirement that I love dumping money into it when the market is falling. It gets a regular monthly deposit unless the market is doing poorly, in which case I double/triple the deposits. My Question: Would it be in my interest to direct my financial advisor to simplify the investments in my 403b, toward something like a 3 ETF setup (VTI, VXUS, BND) with a 90/10 stock/bond split? * I'm 42 years old and live in the US * I make decent money for my area and no debt besides a mortgage with about 8 years left * I'm more than 20 years from needing the money * Very comfortable with short term volatility/loss as long as the long term plan is sound.

OJBeforeTheeBadStuff

sell bro.. put it in VOO. or preferably VTI. i do VOO & VXUS and just forget about it.

junger128

VTI+VXUS, 100% stock so higher risk yet well diversified

crazybutthole

I like having more exposure to sp-500 than total market. Just my opinion. I also don't want 30% plus exposure to rest of world (VXUS) for various reasons.

andybmcc

This isn't Pokemon, you don't have to catch them all. I wouldn't overcomplicate it for the sake of overcomplicating it. VTI and VXUS will get you pretty darn far.

GaylrdFocker

>At first I really liked $QQQ since it has had the highest returns out of the 3 **since inception** dip for these growth index funds recently  don’t want to lose money buying in at the top. These statement pretty much tells me you have no idea what you are talking about. QQQM is QQQ with a lower expense ratio. QQQ is set up as a Trust (UIT) and QQQM is an open ended fund. QQQ has been around a lot longer which is why the return since inception. You should just dump VOO/SCHD/SPYI and buy VTI/VXUS or VT. Don't want to lose by buying at the top? Who's to say it doesn't keep going up though? The market regularly sets all time highs. What is recently? They lost like 30% 2 years ago. That's very recent when you aren't gonna retire in almost 40 years.

Cruian

>Also for clarity I think you meant that VT= VTI + VXUS, only pointing this out as you have a typo that would be confusing to people who don't know this. Fixed, thanks

boxofninjas

I also have a some funds I acquired that I am putting into the market. What I’ve chosen to do is max last years Roth IRA, max this years Roth IRA, set aside 2025 Roth IRA max (in HYSA), then with the remaining funds I am DCA 1/2 of it weekly over the next 12 months, and the other remaining 1/2 I’m holding to lump sum a potential drop in the market. Will the market drop? I don’t know. Will I lose money doing it this way? Who knows, but I’m hopeful to see some drop between Fed rate cuts and the election. I also feel I have pretty good exposure maxing both IRA accounts right away and DCA + adding weekly with paycheck. My setup Roth IRA 70% FZROX 30% FZILX Brokerage 75%VTI 10% VXUS 10% VGT 5% Random stocks I’ve held for some time

ResponsibleOven6

That study specifically looks at GDP growth, not GDP. My main point in the GDP thing was that US markets are massive and I expect that to continue. Either way this is interesting and I'll have to read up on this a bit more but it's not going to change my VTI approach. Also for clarity I think you meant that VT= VTI + VXUS, only pointing this out as you have a typo that would be confusing to people who don't know this. And u/signo1s - as for DCA vs lump sum - there's a bunch of studies on this and lump sum wins roughly 70% of the time depending on the period and investment(s) you're looking at so I'd do lump sum. The only real valid argument against that is it's kinda terrifying for some people and taking a slight performance hit to make sure you don't buy in right before the next massive crash may be worth it for some. Another way to look at it though is to assume you already have all of your money invested the way you want, would you take a large portion of it out just to trickle it back in over the next several months? I wouldn't, not without a way to confidently either move or predict the market.

grobyhex

I'm ready to give up on this VXUS international stock fund I bought cause someone told me I should diversify

Cruian

The person you replied to brought up GDP: The economy and stock market aren’t the same thing, they may even be negatively correlated in some ways: https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1745-6622.2012.00385.x >VTI, VOO, and VT? VT is total world or contains most of VT and all of VOO, plus most of VXUS. VTI is US total market, it fully includes VOO. VOO is just the S&P 500.

crazybutthole

It doesn't have to be 40/40/20 You could easily do VTI 25% QQQM 25% VOO 25% VXUS 13% SCHD 12% It has a lot of overlap - but who cares? It's a great portfolio and not too much thought to put into it.

ResponsibleOven6

I'm with previous\_guitar. Used to be a financial advisor and the more I've learned the more I've simplified. 100% VTI now for securities, the rest is in real estate. My super clever strategies to beat the market worked when I got lucky and hurt when I got unlucky. The amount of time I spent analyzing funds and markets made it far from passive but without some ability to either move or predict the markets my results were almost entirely up to chance. A younger me would have speculated about tech, China, Europe, the US, etc when weighing in here but today I'd say to either go with 100%VTI or a VTI/VXUS blend, the only deciding factor being if you think the US will continue to be a world leader in terms of GDP by the time you pull your money out or if you think some international exposure would work out better for you by then. For the record I'm still only in my late 30s and far from old but I've seen the market do some weird shit.

signo1s

So for me I am kinda thinking either 50/50 VTI/QQQM or 80/20 VTI/VXUS or 100% VTI? Also saw a guy on youtube sayins 40/40/20 VOO/QQQM/SCHD any thoughts?

AP9384629344432

Ugly day. Notice that CELH is quite robust today despite the rate hikes. [Interesting thread](https://twitter.com/elasticretreat/status/1777303981489856713) about NVDA and how the need for fund managers to hedge their massively long momentum bias will lead to a squeeze on anti-momentum semis of lower quality. [Good thread on China accelerating](https://twitter.com/shehzadhqazi/status/1777828275407950244). And a [thread from the Koala on HCC](https://twitter.com/YellowLabLife/status/1777796124536885318). Make sure you follow the koala if you're into coal. I pointed this out on the last big red day, but once again AMD is getting hit hard while NVDA is green. Suggests AMD is seen as far more overvalued than NVDA and more at risk to higher 4 longer. (Not saying that's true or not) --- I bought a lot the past 2 days. Today I bought $500 of my Target Retirement Date Fund, $200 into VXUS, 1 share of XOM if the geopolitical rumors about Iran + Israel are correct, 3 shares of AVDV, 2 shares of AVUV. Yesterday I had bought 1 share each of SBUX + UI and again 3 shares of AVDV, 2 shares of AVUV. I'll have more to say on UI later but been reading some interesting points regarding their surveillance business (Unifi protect) and some tailwinds from bans on Chinese software.

jwd52

Not that this is terrible advice or anything, but there’s no reason to invest in VTI and the S&P 500 when the latter comprises over 80% of the former. It makes more sense to just do 60/40 or 70/30 VTI/VXUS, imo.

SnS2500

Given what you said, get rid of SCHD. Lame return currently, with risk. There are other not very volatile ETFs that have a better return like COWG or COWZ, or get SGOV and lock up a 5.4%ish return that is totally liquid with zero risk. For the second one, VXUS has been doing pitiful because of its China holdings. If you want international, find ETFs with little or zero China exposure, at least as long as both American political parties are trade warring on China. > and then not looking back Always look forward, but don't make yourself a slave to your previous decisions. You can always change your mind if you decide to do something that makes you happier.

crazybutthole

Just get about 40% into sp500 fund like voo 40% into a total USA market fund like VTI And 20% into a rest of world fund like VXUS Check it again in 30 years you will be happy

shaggy98

Which one of these 2 portfolios is better for a person in its mid 30s ? **VOO 25%** **VONG 20%** **SCHD 20%** **VGT 10%** **VXUS 25%** or **VONG 25%** **VTV 20%** **VNQ 10%** **SCHD 20%** **VXUS 25%**

httmper

If you want the easiest. ITOT/IXUS (or VTI/VXUS if you want Vanguard 80/20 split. Just buy low expense ratio index funds. Own the market, not just a few stocks (former Army here)

Somoch-MoraguerRRR

I’m a crypto degen and I’m here to tell you: please don’t put a significant amount into crypto, especially as crypto markets are just setting new all time highs, *especially* if you have no other investments to fall back on. First, create an account with a major brokerage. I like Fidelity for a bunch of reasons (great funds, better trading tools, more flexible than Vanguard, lets you dabble in crypto if you really want to, great checking account product too) Then ask yourself: if the market saw a big contraction in the next year and your portfolio lost 30% of its value, how would you feel? Do you want to use this money for anything in the next 5 years? 10 years? 20? I’ll say that if you plan to use the money in five years or less, put all of it in a money market fund. SPAXX is great. FDLXX has a roughly similar yield but is not subject to state and local taxes because it invests mostly in treasuries. If you live in a state with income tax or you are a high earner, FDLXX may provide better after-tax returns than SPAXX. You should research more from here if this sounds appealing. If you are not comfortable stomaching a possible 30% loss in value over the next 10 years, you should invest in stocks but tilt more conservative with a bond allocation. Anywhere between 10-40% of the money should go into a low cost, diversified bond fund like BND. The remainder should go into diversified index funds—either some mix of US and International like FSKAX or VTI plus FTIHX or VXUS. Or you could take the lazy (but still extremely valid and maybe even preferable) approach of putting all of your stock allocation—that is, whatever you don’t put into bonds—into a global fund like VT. If you have some risk tolerance and a longer time horizon, I would say it’s worth considering a 5% allocation to Bitcoin either by holding it directly on Fidelity Crypto or Coinbase or whatever, or by holding one of the Bitcoin ETFs like FBTC or IBIT. But don’t go crazy. Crypto his high risk / high reward. Most of the folks you see here will tell you it’s tantamount to gambling. I disagree on balance, but they’re not entirely off base. This is an entire debate unto itself.

LawyeredChris

Own the whole market; 60% VTI; 40% VXUS. Also own some real estate and some alts if you can.

jester2trife

I went into Bank of America, met with the Merrill Lynch rep, and put a large lump sum into VTI/VXUS at an 80/20 split. I make monthly deposits of $3k into VTI and $1k. I will be perfectly honest, I dont know jack sh\*t other than Im getting rich slowly but surely.

pwntatoez

Acorns is fine but there are fees associated with the account and if you want more specific control over your assets, you need to pay additional fees. I'd rather purchase VOO or VTI or VXUS for free.