VXUS

RedditSuxDonkeyNutz

VXUS and chill avoid it all

peszneck

I have a 50% VOO, 15 % VXUS, 25% individual stocks, 10% cash

Last-Register-934

AI slop, VXUS is outperforming VOO YTD.

Agreeable-Bee-3449

Not a financial advisor but I like to do a core + satellite approach. Where the bulk of my money is in a broad index etf (like VOO or VTI, VXUS, VT etc) and then I supplement that with more risky individual investments. My satellite rn is GOOG, MSFT, MU and RKLB

BottleMedium881

At 30, I’d keep it boring. In taxable, VTI is usually a great core because it gives you the whole US market and is tax-efficient. VOO is fine too, but holding both doesn’t add much since they overlap heavily. Since your Roth is already 80/20 US/international, you could mirror that with VTI + VXUS in taxable and focus on consistency, low costs, and not tinkering.

Fapados

The problem isn't VXUS. It outperformed VOO both in 2025 and 2026. 33% of your money is in a MMF. That's a lot.

tk421tech

It was VOO 40%, VXUS & BND 30%. Retiring in 10 yrs. (Seems it might only grow to about 100k with contributions). Prior to today I thought perhaps 60/25/15 might be a better goal. Current % 33.50/17.42/15.87 and 33.21 in SPAXX to rebalance.

Moist_Wolverine_9127

Your math checks out - VXUS has been dragging you down this year while bonds are basically dead weight. International has been underperforming US markets for a while now, and with rates where they are, BND isn't doing you any favors either. At your age though, having some diversification isn't the worst idea even if it hurts short-term performance. The 3-fund portfolio is designed for long-term stability, not chasing returns. If you went 100% VOO you'd definitely be closer to that 9.27% S&P number, but you'd also be taking on more concentration risk. Maybe consider tweaking your allocation instead of going all-in on one fund - bump up VOO percentage and reduce the international/bond weightings if you're comfortable with a bit more volatility.

trix_is_for_kids

What’s your age/ time horizon? If it’s 20+ years I’d go 80/20 VOO/ VXUS. Could go 80/20 VTI/VXUS for more exposure/ safety or just 100% VTI. But if your timeframe is 20+ I’d suggest the more aggressive approach.

charlieandoreo

Just buy VOO and VXUS or just VT. Then in a tax deferred account add BND after you turn 40.

Icy-Sheepherder-7595

I'm working with much less capital than you but I've been struggling with the same emotional selling and poor timing. I keep trying to tell myself it is what it is and it's a lesson pretty much every investor has to learn at some point. Nobody's line ever just goes straight up. I recently took a $7k loss on LULU after finally deciding I was done with it after holding and averaging down for almost 2 years, then I see it starting to move up again although the value is still way off its highs, I sold MELI a few weeks ago and again that's going back up, sold out of half my UNH position at the bottom and lost a little money despite knowing I bought in really cheap and probably could've held it all, I made $4k instead of the $10k I should have had I held. The thing is though you have to move on once you sell a stock. Beating yourself up and, I'm guilty of it, I made a similar post in the value investing sub about how over the last few years I traded like $300k just to barely break even, but beating yourself up and dwelling does no good for your mental health or investing strategy it will only cause you to keep losing money. Not financial advice in the slightest but I think if you let go of META and MSFT you'll find yourself feeling sad again once they go back up. MSFT is my largest position so far and I'm not selling until it at least doubles which could take time but I don't think as much as the projections are showing. If it drops below my entry price of just under $400 again I'm loading the boat. It's the one stock I have 100% conviction in right now they'll never go away, corporate America runs on their products I wouldn't bet against that at all. META is riskier but I hold that too although much less. Earnings are good, no reason the stock should stay this low for long. I would just close the app and hold and see where things go if I were you. And also it sounds like you already have about $400-500k liquid net worth so you're already ahead of most people, if you're smart and can get a handle on the emotional aspect which is just as important as the technical analysis side of investing, you can make that money compound quickly. No need to be chasing anything too risky like options when you have that much to lose. If anything sell your current positions after you're in the green and throw it in VOO/VTI/VXUS/VTSAX take your pick at whatever low cost index fund and then just never sell. That's the beauty of index investing, if it goes down it just means you can buy more cheaper, unlike individual stocks where your gambling it all on horse to win it all but with indexes they pretty much always go up in the long term. Even buying at the top of the market you're still guaranteed to come out profitable unless a nuclear war breaks out or something of that magnitude.

User4f52

Getting exposed to emergent markets corruption scandals, volatility, weak institutions, is the actual important reason of going VXUS

Carbon-Base

Beans, lentils and legumes are essentially VOO, VXUS and VTI.

ATPsynthase12

But they are all US based meaning you miss out on several large, mid, and small cap companies that are based outside of the US hence why you should always include VXUS in your portfolio at 20-30%

OGS_7619

most people recommend diversifying both beyond top 500 large-cap in US, to include med-cap and small-cap in US, as well as buying international (emergent markets). So instead of ETF like VOO or SPY that only tracks S&P, you may want to get VTI or FSKAX that tracks total US market, as well as international market, VXUS or FTIHX. Most people go with cap weight of about 60 US to 40 ex-US, but it depends on whether you are in US or elsewhere (then you may tilt towards home country due to exchange rates) and whether you want to increase US allocation because of personal beliefs. International underperformed S&P (and S&P has been lately dominated by top 7 companies) until about a year or so ago, when international has been outperforming S&P. There are periods when small cap or mid-cap outperform large-cap, and most of the time bottom 450 S&P companies outperform top 50, so over time it will all averages out - stay diversified.

HumidMind

Funny thing, once you bang a few great 10 baggers you don't have to gaf. It is house money and you do your research and pull it off again. Siphon profits to things like VYMI, VXUS etc as you get close to retiring. Metals and real estate are a thing too..

TheBlackBaron

>There is a very weird dynamic specific to Reddit, an all VOO/VXUS portfolio, OK How much of a bubble to you have to be in to think VOO+VXUS is "a very weird dynamic specific to reddit" when it is the basic position that every single 401k and target date fund is in lol.

vSylvr

21M. I max out my Roth IRA each year with 85%Voo 10%VXUS and 5%BND. I have an emergency savings in a HYSA. No debt or car payment only fix payments are car insurance and gas plus groceries. I want to save for a house someday let’s say 10 years from now. I want to invest that money in a brokerage instead of just in a HYSA. I’m going to do 70% VOO and 20% QQQM. What should I do with the other 10%? I want to keep it us stock market only.

pidaryob

eh, i’m not much into options these days. lightly swing trading the s/p with shares but, i’m all in VOO/VXUS/IWM looking back i see i was tossing 10/20k on 0dte options. man it’s embarrassing to even look at lol

ATPsynthase12

55 and nearing retirement? 50% VTI, 25% VXUS, 25% bonds Young with several decades to grow? Literally just do VTI and VXUS. Even if you don’t add a dime to it, the conpound interest alone will create generational wealth without needing to performance chase.

drew-gen-x

I am less bullish on $GLD than I am on $VXUS. But Gold is a hedge and if gold underperforms the rest of my portfolio then the rest of my portfolio has likely done very well. I like to add to keep my gold position around 15% of my portfolio. If the rest of my port appreciates then I look to BTD to add to my $GLD or $PHYS positions.

ap485860281

Maybe so, but the question is how things will pan out when Europe and Japan are both facing rising gas costs, rate pressures, and currency swings. All of which potentially impacts VXUS earnings and pricing too.

drew-gen-x

I should have BTD heavier on $VXUS yesterday. I bought $GLD 2 days too early but I'm now even there. You can't time every pullback perfectly but it's way easier to BTD in the indices in this crazy volatility market over individual stocks.

taplar

VXUS holds approximately 76% large+ cap companies. It is not a small cap fund. 

drew-gen-x

$VXUS Look at BTD here if you want to move some cash out of this clown market.

FINomad

Both of those routes sound awful to me. SCHD is for people that don't understand dividends. Here's a video to help you understand what dividends are and aren't (spoiler: they aren't free money): [https://www.youtube.com/watch?v=f5j9v9dfinQ](https://www.youtube.com/watch?v=f5j9v9dfinQ) Nearly all of the stocks in SCHD and VPU are already in VTI (use the link in my comment above to see the overlap), so all you're trying to do is tilt your portfolio to something you don't understand. I would go with VTI + VXUS or simply VT.

Brilliant-Fee-4994

This was very helpful. Probably the most helpful explanation so far. I’m also deciding between VTI vs. SCHG, and I don’t plan on doing both for the exact reason you mentioned above. If you had to choose one of the routes below, which would you personally go with long term? 1) VTI, SCHD, VPU, and VXUS 2) SCHG, SCHD, VPU, VXUS, and AVUV

RickDick-246

Choosing VXUS or VOO for the last year netted me about the same over the last year. Sometimes you make good decisions, sometimes you don’t. Get into a standard distribution and let it ride.

drew-gen-x

I keep my portfolio under 10% individual stocks. The March sell off this year convinced me that I’m nowhere near as smart as I think I am. The upside is I did time the March 31 bottom in $VT, $VXUS, $EWJ & $GLD. I’m much less stressed today than I was going through the March sell off. I’ll gamble with 10% of my portfolio but more than that isn’t worth the stress even if I did get lucky & bought the winning stocks.

comps226

What? Just buy VOO and VXUS

drew-gen-x

BTD & added to $VXUS and $EWJ I'm sorry but I'm not buying American

Ornery_Ad98765

GOOG and VXUS are the only two stocks that don’t make my buthole pucker

FishermanTraining588

I was in a similar spot in my 20s: living with family, decent cash pile, tempted by rentals. I ended up doing almost exactly what this comment suggests and it paid off way more than trying to be a landlord early. I opened a taxable brokerage, went heavy S&P 500 and a bit of VXUS, and just auto-invested every paycheck while I finished school and got my income up. One extra thing that helped me was treating my “house money” as a separate bucket. I kept 1–2 years of potential down payment needs in safer stuff like short-term Treasuries and only invested what I truly didn’t need for 5+ years. On the admin side, when my startup stock and options came into the mix later, things got messy fast; I tried Carta and Pulley, then ended up on Cake Equity because it kept my cap table and option grants from becoming a spreadsheet horror show while I focused on the boring investing plan above.

drew-gen-x

$VXUS Most US investors do not own World ex US stocks. So if your port is mostly $SPY, $QQQ, or $VTI; I would recommend opening a position in $VXUS to diversify or hedge risk away from USD. I like and hold $GLD; but Gold price is volatile (short term) and you really don't want to hold more than 10-15% Gold in your portfolio due to currency risks.

drew-gen-x

I am up over 11% on $XVUS tax lots I bought the last week of March. It's much easier for me to sleep knowing that World ex US indices aren't as overweight the AI circle jerk names as $VTI or $SPY are. TSM, Samsung, ASML, and SK Hynix market cap concentration is 7.9% of $VXUS. Nvidia, Apple, Microsoft, Amazon, both Googles, Broadcom, Meta, and Tesla make up 37% of the market cap of the $SPY. When I mention we are in a dot com 2.0 aka AI cap ex circle jerk bubble everyone points out how profitable Big Tech is today vs dot com ignoring the overconcentration of market cap of a handful of stocks today in $SPY just like dot com.

notapersonaltrainer

Redditors caused the VXUS/VTI peak with the "I just sold all my US" herd posts.

pnutbutterandjerky

Brokerage account, VOO/VTI/VXUS

drew-gen-x

2 things can be true at the same time. This might not be the best time to lump sum into the market and it's also usually a good idea to start good habits like investing ASAP. You have to remember the economy can go into the shitter and the USD can also lose value due to inflation faster than stocks losing value vs USD/DXY. I would figure out a plan. I am more bullish on World ex US than US so I BTD in $VT and $VXUS vs many here BTD in the $SPY or $QQQ. I will say stay away from buying individual stocks until you have a good foundation of at least $100K in indices or ETF's like $VT or $VTI. I think you can count something like $GLD towards that $100k foundation; but don't go all in on anything. Good luck.

drew-gen-x

Nope. I dropped over $60K into the market on the week of March 31, 2026 buying $VT, $VXUS, $EWJ and $GLD. I'm just not a reddit perma-bull tech bro. I am bearish on the USD & AI cap ex circle jerk though

drew-gen-x

I see the downside risks for Gold. I think a retest of $3500 is in the cards. However my cost basis is still around $3500 for my total Gold positions after buying $GLD today. I have been swing trading $GLD, buying when the Gold price is b/w $4400-$4600 in both Feb & March 2026 and selling b/w $4800-$5000. If this swing trade doesn't work this time and Gold continues to drop that's fine b/c I don't mind holding. Long term the USD will move lower and Gold will move higher. I would rather hold Gold over US Treasuries for cash I don't plan on using for the next 2-3 years. Of course I am also buying $VXUS over $VTI or the $SPY for the same reason.

Blandmaan

ayyy nice, we have an identical retirement account. I like where I'm at, I'm trying to max out my Roth 401k with pure S&P 500 exposure, and then split my Roth IRA between AVUV and VXUS so that looks something like 76% VOO, 12% AVUV and 12% VXUS honestly nothing wrong with 100% VOO for a long time horizon in my opinion, but I think VOO/AVUV/VXUS is also solid: it's not overcomplicated, no significant overlaps, and we're getting good exposure to potentially lucrative sectors that VOO doesn't touch.

golf_234

I think I am going to achieve this by higher percentage in VOO and VXUS as they have a self balancing nature to them and are more diversified . To some degrees, the bet on tech is intentional, but I have definitely gone pretty all out with it as I really break it down.

melinda_louise

I see a lot of discussion here about risk tolerance and being aggressive. The more important question is how much are you willing to lose? Make sure the majority of your savings are in the safe diversified things, and if you feel like playing around with stocks then make sure it's money you can afford to part with. I'm sure there are ways to be smarter with your choices, doing lots of research, etc. but at the end of the day it's still basically gambling. I wouldn't say your eggs are all in one basket necessarily by sticking with VOO though. It's still very diversified if you're comparing with individual stocks. If you want to be more diversified you could add in some international exposure (VXUS for example) or small caps or something. Then you're covering the whole market and not just the largest US companies. Or, if you have money to burn and feel strongly about a particular company or sector fund then go for it, just be careful. Most people are much better off sticking with the boring total market funds, unless you get extremely lucky.

Queasy-Doughnut-5512

For a IRA go 70% VOO 20% VXUS and 10% whatever you want just as a personal like to feel less boring

sunfishtommy

what nobody seems to mention in this example you have given, is how does that inflation scenario affect stocks? would it be better to be in VXUS or VOO?

_Springfield

I currently am invested into VOO, VXUS, and AVUV. Would you recommend I sell and put all into VOO?

Emotional-Power-7242

You shouldn't have any single stocks ideally. VOO is not one basket it's every basket in America. Your eggs are all in the American basket though and VXUS would be a good addition to combat that.

InvestingNerd2020

For retirement accounts, 401k/403B/IRA, index mutual funds are great. As your friends told you, ETFs are better for regular taxable brokerage accounts. Replacement options: VTI for FSKAX and VXUS for FTIHX.

WorthContribution457

I feel like holding a few core holding of ETFS like VOO or VTI, DIA and some VXUS for international exposure. Then hold 3-5 stocks you are more bullish on. You wont feel as much downside when the overall market takes dips .

timhottens

I did exactly what you did, and now I'm not buying any more VOO, only VXUS - until I get to 70/30 VOO-VXUS.

thereddituserusa

You could diversify further with VT only or VTI plus VXUS.

dissentmemo

No. You should diversify more. VTI instead of VOO + VXUS for international.

DrVonSpreckle

At 32 with 100k+ income, the edge isnt picking the clever stock. Its building the habit before lifestyle creep eats the surplus. First make sure emergency cash is handled. Then grab any 401k match if available. After that Roth IRA or taxable depending on your situation. For the actual investing, keep it boring at first. VTI or VOO as the core is enough. If you want international later, add VXUS. Dont start with 10 stocks just because Webull makes the buttons easy. Tech isnt bad but VOO/VTI already own a lot of tech. You dont need to overweight the same thing before you understand what you own. Put the $100 to 200/week on auto, let the first year teach discipline, then add smaller bets only after the base is working. The account isnt the plan. The repeatable buy is the plan.

SynapticMelody

1) Emergency fund - enough to cover 3-6 months of essential expenses so you don't get stuck having to draw down investments at an inopportune moment. 2) Make sure your retirement fund is on track for a comfortable retirement. 3) Invest the rest in a taxable brokerage: - One-fund: VT - Or two-fund: VTI + VXUS - Add BND if you need less volatility. - Add VOO for more US large cap exposure. 4) Dollar-cost average and rebalance when your positions get it off balance from their set allocations. Avoid stocks/crypto with any money you can't afford to lose and keep it a small percentage of your portfolio (high risk).

Putrid_Pollution3455

But what if the stonk market crashes! Gasp! 😱 /s Ok you little shit…here’s the everything bagel; 10% each…( GLD IBIT TLT USFR VTI VXUS SSO SPYI ANGL PDBC)

Remote-Community-792

I started investing late at age 34 and my portfolio has grown by a considerable amount in just 3 months. I bought VOO and VXUS with my initial investments which I sold to buy NVDA, RKLB, AMD and GOOG. My portfolio has grown by more than 50% and I can't decide if I should trim down my position in individual stocks and buy indexes or continue to hold. I do see a lot of growth potential still in my stack which is 53% NVDA, 22% RKLB, 17% GOOG and 8% DRAM. Should I continue to hold these and buy ETFs going forward or am I taking a huge risk having a portfolio heavily concentrated in tech

Crazy-Cat-Lad

I have UTMA and 529 for my son. Cant pick out individual ETFs in the 529 at Fidelity (like that everywhere?) so i chose some aggressive dividend funds and some classic growth funds for the UTMA (VTI/VXUS/SCHD and QQQI i think). Im keeping it low since it can affect FAFSA but at least itll compound a bit. Plus the first $1350 gains/income in UTMA is tax free. I'm putting more into 529 and nothing into UTMA at this point but any time I get any birthday/xmas money for him, I'll probably split it between the 2

hugh2018

You mentioned you don’t consider your plan to sit in cash to wait for a crash to be market timing. It absolutely is. Your plan is to stay out of the market and return exactly when? At the right time, of course. That’s market timing by definition. If concentration is your concern, you still have tons of options. Sidelining all your money because of concentration concerns is a head in the sand choice that pretends the S&P is the only way to invest. There are so many ways to deal with your concern constructively. SCHD focuses on fundamentally sound, dividend-paying companies with financial health screens. Because of its formula, it naturally has almost zero exposure to non-dividend or low-dividend mega-cap tech like Nvidia or Amazon. It forces a portfolio into boring, cash-flowing sectors like Financials, Healthcare, Consumer Staples, and Industrials—the exact opposite of an AI bubble. RSP holds the exact same 500 companies as SPY or VOO, but it gives every single company an equal 0.2% slice. Tech drops from a dominant 30%+ of the index down to just its mathematically equal share. It historically outperforms market-cap weighting during periods when market concentration unwinds. And there’s VXUS. European, Japanese, and emerging markets don’t have the same mega-cap tech dominance as the US. International indexes are far more heavily weighted toward financials, industrials, and materials. It’s an instant macro-diversifier away from Silicon Valley. Valuations are far more favorable internationally than in the US. International diversification is a robust hedge against US scenarios like the lost decade. The list goes on. If you’re hell bent on staying on the sidelines, SGOV is great for matching the Fed rate, but it doesn't have an explicit inflation tracker built-in. Short-term TIPS are mathematically indexed to the CPI. You can go with VTIP. If inflation spikes again due to geopolitical energy shocks or anything else, the principal adjusts upward to guarantee purchasing power is protected, with zero stock market risk.

onemanmelee

Thanks, appreciate the reply. What I'm leaning towards is, since I already have VTI/VXUS/BND, is maybe just going with VOO in my Roth. It's simple and straightforward, and basically accomplishes the same thing as VTI woiuld, more or less, but avoids any wash sale complications too. But your comment helps to remind me that I'm unlikely to be selling at a loss. Still learning all this stuff, so trying not to step on obvious landmines.

Additional_City5392

Looks good! I say stick with it and maybe add an international fund like VXUS.

Queasy-Doughnut-5512

70 VOO 20 VXUS and 10 QQQM for some spice

nightbefore2

literally just do like 70/30 VOO/VXUS. don't pick individual stocks for the love of god. if its not an index ETF, don't touch it. thanks me in 10 years.

ChivasBearINU

80% VOO 20% VXUS Thank me in 45 years. Ignore the get rich quick schemes. Like seriously, ignore it completely.

moosewithamuffin

Can’t stand those single-cell organisms over in the Bogleheads sub. If anyone asks a single question outside of VTI/VXUS/BND DCAing they get a stick up their ass and think they’re all high and mighty. WSB is where I wanna be, in the casino trading 0DTEs with you regards having a good ol’ time. Never change WSB!

drew-gen-x

I still might add a small tax lot to $VXUS today, but I still have a lot of dry powder since I tend to be a bit too bearish for my own good so please take what I say with a grain of salt. Everyone needs a plan. I want to be clear b/c I know I trade too much w/ 10% of my port and I post those trades here. I am talking dry powder. I will only add more dry powder to my foundation of $VT, $VXUS, and $GLD once we hit fear or the 200 DMA.

drew-gen-x

I just have my list ready. I'm not smart enough to know what stocks to buy so I just watch the 200 DMA and pull the trigger on $VT, $VXUS, and $GLD when they are about to hit that level. I feel if it doesn't make you feel physically & mentally sick when buying, then there will be better opportunities to buy in the future.

onemanmelee

Hi all - I have funded my first Roth IRA, and have \~$14500 waiting to be allocated. My brokerage account already has VTI/VXUS/BND. I'm trying to figure out where to invest my Roth funds. I assume some kind of broad fund like the above would do, but I've been warned about doing the same exact funds due to potential wash sale issues down the line. I've read a bit about them, but don't clearly understand them. Like do they apply only if I have literally VTI in both accounts, or would it also apply if I had VTI in one and VOO in another, since there is so much overlap? Target Fund Dates were also suggested as an option, and I'm considering it. However, I'm not sure exactly what my retirement timeline will be. I'm 46, very tired of my corporate career, and interested in the FIRE community, including something akin to CoastFIRE, where I could hit a number where I know the portfolio should grow to sufficient by retirement age, and at that point downshift to lower paying part time work. So I'm a little wary of locking up funds on the wrong timeline, or even having them revert to too conservative too soon.

beerion

There's just so much nuance to that question. Why would I buy Proctor and Gamble? There's virtually no way it returns more than 10%, and probably not any more than 7%. But its low variance and has almost no correlation to AI so it doesn't move at the whims of market sentiment on AI. There's two sides to the equation: risk & return. The marriage between the two is what you want to optimize for. Earning an 8%, zero variance return can often be considered better than a highly volatile 10%. I mean, that's why we diversify to begin with. But that's just the tip of the iceberg. There's so many other considerations. The question i would throw back to you is ***why invest in the S&P500 and VXUS at all? Why not just invest in the AI stock that will return the most?***

ParkingAthlete119

Yeah VXUS seems much safer, will continue to diversify into it more as I age.

ParkingAthlete119

also, when you do investments outside of VOO, VXUS, etc. Do you expect to out perform those benchmarks

MarlonMcCree20

> which I think has a good financial future that will continue to outpace the rest of the world in our lifetimes I'm very bullish on the US and very bullish on tech. But, I don't like putting all my eggs in one basket, so I do VOO, VGT, and VXUS. And yes, I know currently there's a lot of overlap with VOO and VGT, but that's intentional.

nniiggeell1999

Since your Roth is already 80% S&P 500 / 20% international, I’d think of the taxable account as part of the same overall portfolio rather than a totally separate decision. VOO and VTI are both solid, but you probably don’t need both. VOO is S&P 500 only, while VTI gives you the total US market, including mid/small caps. They overlap quite a bit because the largest US companies dominate both. A simple setup could be VTI + VXUS in taxable, then look at your combined allocation across Roth + taxable to decide how much US vs international exposure you want overall. The biggest thing at 30 is probably consistency, low fees, broad diversification, and not making the portfolio more complicated than it needs to be.

02Raspy

My two 30 or so year old kids asked me this advice a few years ago. I suggested a ratio of 80/20 VTI and VXUS. It has been working well for them.

cloutvegan

I have some vxus and this other Asian mutual funds on my roth. Does VXUS make sense for my taxable account too?

insightful_pancake

Lots of overlap with both. VTI gives exposure to more small/mid caps not present in the SP500. VOO is essentially all large cap but about 80% of VTI is the same as VOO. For actual diversification, I’d recommend adding some VXUS for international exposure.

Ticksdonthavelymph

Nah, you don’t have to make it that complex—you’ve got options without US large caps, don’t search “global” on your funds list, search “EX US” I’m assuming you are likely European based? (Since that’s your platform) and if so you can’t use US domiciled international funds (if you are US based— just get VXUS) if UK or continental though look at XUSE (developed countries) or EXUS. If you wanna pair with developing markets (riskier) look at VFEG too.

Ornery_Ad98765

Bought back in with VXUS, GOOG, SPY calls, and SLV puts. Still pretty spooky though.

brokeasfvck

Any advice for 37M on breakdown of contributions? I tried to do a bunch of reading when I finally started actually working 1.5 years ago. It seemed that a diversified set it and forget strategy would be best. I did a bunch of reading on here and read the Tony Robbins book and some other beginner investing book. Currently my allotments every 2 weeks (or when I have extra cash to throw in I break it down to same ratio) is 62% towards VOO, 11% towards both AVUV and IMCG, 8% towards VXUS, and 4% towards both BND & BNDX. I feel like I have early onset Alzheimer's so I don't remember rationale for everything. My biggest question is the bond allocation. It's small overall, but 8% of my contributions. Since opening my account BND/BNX haven't grown, which I understand is normal. In one of the books I read I recall them saying how important bonds can be to offset volatile markets, even in earlier career investing. However, I'm starting to feel the nonimal returns from dividends when I'm not putting a significant chunk towards them probably isn't worth the opportunity cost of putting that money towards an S&P tracker. My goal is to to be able to "FIRE" in 7ish year. Fortunate to be able to put away 6 figures annually, but don't want it to all be for naught because of dumb strategy. Spoke with a Fidelity consultant and they basically said great job and consider one of their annuities for further investment opportunity :/. Thoughts?

OneTwoThreePooAndPee

Honestly I tend to stay to large cap highly liquid companies for options, so I've not been TOO worried about managing DEEP risk, I just keep less money invested and keep a larger-than-normal portion of my money in "safer" direct investments like IGOV/SGOV, and honestly VXUS feels "safe" these days. 😄 But basically I figure if you can get a 50% return on $10k vs. investing 50k in "riskier" direct stock plays to get 10% return in a year, that feels better to me. High risk on small allocation vs. moderated risk on larger allocation. I'm kinda dumb, I like to keep it simple.

Ornery_Ad98765

Might be time to just VXUS and chill this shit is whack

MarlonMcCree20

> Most people just do VOO/VTI/VXUS and chill. Most people have no idea what that is. The reason I'm nitpicking semantics is because I tried telling someone about broad market ETFs and I said most people do the same, they asked around and said they didn't know a single person who knew what those were and dismissed the advice and stuck with their CDs.

fack-the-suits

Depend if you on your parents health insurance or not. But generally you’d wanna go HYSA for emergency fund, 401k company match, HSA (if eligible), Roth IRA, then finish 401k. And if after that you have free money that you won’t spend on things you can put in brokerage account. I personally buy VT in tax advantaged accounts (whole world, \~60/40 US/international) and then I buy similar split in my brokerage, but VTI (whole US market) and VXUS (international) at 65/35 split. There some international tax thing that impacts VT, so that’s why I split in brokerage. Some people say only buy VOO too because it’s the standard for market performance, which is only 500 largest US company. I think that international will have a run in my lifetime where the US will pull back (I’m 24), so that’s why I buy VT or VTI/VXUS. But general idea if low cost diversified index funds

pnutbutterandjerky

Max out IRA. Roth is post tax, however no tax in retirement. Trad Ira is post tax but can write off contributions up to certain limit. Roth IRA contributions get decreased after a certain income as well and you are forced to contribute to a trad, but at that point you can no longer write off the trad Ira contributions. Trad Ira can be rolled over to a Roth in what is called a back door rollover for 10% of the interest(gains), not including the principle. 23.5k is the 401k max this year. I highly suggest to max out your employers match on your 401k, enroll in any advantageous stock plan your employer may have and then figure out what to do next. If u want to have kids eventually u could start a 529 plan but I wouldn’t worry about that. The rest I would put in a brokerage and select some low cost ETFs. If u want to look into income returning stocks or strategies like the iron condor or wheel then that is more advanced. Most people just do VOO/VTI/VXUS and chill.

NewportHusband

Do you have an emergency fund? It could serve that function. If so, principal preservation is the main objective. Locking it up in a money market fund, or a high interest CD wouldn’t be terrible. If not, then just dump it into the total market funds you have. I would also recommend a total international market fund. Without getting too political but given the US stances on certain world issues, there’s international market may offer unique growth vs US markets. Maybe a 10-20% stake in an international fund like VXUS wouldn’t be a bad idea. I’m at 40% international myself but I don’t recommend this for everyone.

drew-gen-x

I don't need AI to tell me that we are in a bubble. You get crazy stock & asset price volatility like a casino when the underlying money is becoming worthless. I've moved 90% to ETF's and my strategy for the last 2-3 years is a bet against the USD or as I like to call it the DXY devaluation trade. If inflation is going to run rampant like the 1970's and the Fed is stuck and can't raise interest rates on the 10 yr more than a token raise to 5% since the interest on US debt is now more annually than the entire US annual defense spending then I will use those USD to buy foreign stocks and hard assets. I've been long $GLD, $VXUS, $EWJ and $EWY with a mix of $VT to catch some of the AI circle jerk bubble upside. I did recently sell $EWY Monday b/c the valuations were becoming bubblicious. But the problem & disconnect b/w the economy vs stock market is entirely due to the loss in value of the USD. I don't need some AI agent to point that out. It's easier to just track the DXY to make ETF & world indice buys & sells than trying to track multiple individual stocks as well. Just make it simple, stupid, is an investment strategy.

_icarcus

VTI is the entire *US market* so you’d be missing out on international exposure. VT includes both US and international but weighed by market cap so some people prefer to allocate their exposure themselves with VTI + VXUS. International is traditionally about raising diversification while reducing risk from country concentration. You can bet on US 100% or you can bet on everyone, it’s all personal preference.

lotsoflag

Still keep a few months of emergency funds in a HYSA. But a 70/30 split on VOO/VXUS would be a good long term hold

Brilliant_Voice1126

Seems pretty obvious I was saying the opposite. People buy individual stocks because they think they are smart, and they're not, and they would almost all be better off buying SPY, or VTI, or VOO/VXUS ratios like a Boglehead. And ultimately this is what Buffett himself said about BRK - he doesn't expect it to beat SPY anymore. So just buy SPY. This is what he proved with his famous bet - even the experts don't outperform SPY. And his later career, post 2000s, he also did not outperform SPY. So just buy SPY. The magic that makes people think BRK will outperform is long in its past, and its management now has made it stagnate for 3 years. At it's best in the last 2 decades it came close to SPY. As time goes on - it does worse. Just buy a proper index ETF if broad market exposure is what you're looking for. If you expect to beat SPY, BRK is no longer the instrument that will do that.

HipOut

Just buy VTI and VXUS then don’t do anything for 10-30 years

BryGuyTI

You are better off in like 2-4 index funds, but that's boring to a lot of people. I look at it in percentages. My rule is ETF's should be 80% of my portfolio (VTI & VXUS) and 20% can be individual stocks with one not being more than 5% of that. Early on I found that to be ideal because it keeps me interested in the markets and psychologically caused me to save more early on. Overtime you'll likely see your ETF's most likely outperform your individual selections and you'll slowly shift towards that.

DJDublin

VOO. If youre feeling frisky, add a little VXUS too. 

stbloc

VT holdings are 60% USA 40% international. Holds 10000 stocks. VXUS is only international and doesn’t hold any USA.

commodores12

Dumb. VXUS also pumping and ahead of VOO the last 6 months.

CreamCapital

IEMG and VXUS both outperforming QQQ. But yeah only US is investable 🤷‍♂️

_icarcus

It took a year to gain 29%, double check your delete. There’s a whopping 15% spread between VOO and VXUS if you bought both during the Oct 2022 lows. Instead you’re over there investing in SoFi which took 5yrs to go -7% and down 40% YTD. Did you figure that one out by yourself, bud? I’ll let you sit here and figure out which one of us is the one with the lukewarm IQ

Confident_Potato_714

You own VXUS because you lack the IQ to figure things out yourself and because someone on the internet said you should.

_icarcus

You own VXUS for diversification and to lower risk. Nobody is full porting their retirement into it, retard

Odd-Flower2744

80% VOO, 10% QQM, 10% VXUS right now. Probably going to push international higher and just stop buying QQQM.

oldschoolczar

VXUS is up more than VTI ytd.

Armyman2007

Have you been watching VXUS? It has been doing well.