VXUS

ThePermMustWait

Maybe, I just went VOO/VTI/VXUS for 98% of my funds.

Illustrious_Gift1609

VOO #1 VXUS #2. Stocks…MO, ABBV, IRM MAYBE PFE

xx123234

Just buy VXUS and cal it a day, don’t mess around with china etfs

FreeOGPoohShiesty

It really is as simple as dumping money into VOO and trusting the process isn’t it? Maybe some VXUS. I’ve been doing this for a long time and see the results but I’ll get bored and buy stupid shit sometimes.

MSFusionHV

Are you aware that a huge amount of highly educated professionals struggle to beat simple index funds long term? Search SPIVA and be amazed. You have very little chance of outperforming VOO+VXUS or simply VT long term. Why waste your time and energy on a loser's game? You are too confident and will get burned eventually.

booobReviewer

The $50k tuition fee is expensive but you probably learned more from that than from any book. Buying individual stocks creates a feedback loop where selling feels like admitting defeat and holding feels like conviction — total market ETFs remove that emotional trap entirely. VT or VTI + VXUS at market weight means you never have to decide when to sell. The "chill" part is the actual skill.

Critical-Dreamer

I’m 80% VTI/VXUS and 20% individual stocks. I take the same approach with both, but I’m holding blue chip stocks with strong long-term potential, not meme ones.

Fun-Sundae4060

I think I do. I align with OP’s satellite investments including semiconductors (SOXL), uranium, copper, and energy but not the space sector. Besides the VXUS allocation I think he has a solid portfolio for an AI buildout play.

WNBA_YOUNGGIRL

S&P 500 is still up 7.86% and VXUS is up 10.06% YTD. Let's see what happens over the next couple months

Ahamadrayasbaboon

There are several promising companies that I think are worth investing in. I hold a few.  I dunno if I’d buy a Euro-specific ETF, except maybe a defence and aero one. I do look at them from time to time…I like the idea. I always end up buying more VXUS and AVDV instead. 

Savings_Industry_405

Fair. I agree the contribution rate is the biggest lever. I’m not trying to pretend ticker selection matters more than maxing the Roth. My main goal is just cleaning up the structure before I keep contributing for years. I’m leaning toward dropping the individual stocks and either going simple with VT, or using a controlled ETF stack like VOO / VXUS / AVUV / AVDV so I can keep a U.S. and small-cap value tilt. So the real question for me is simplicity vs control, not whether allocation matters more than savings rate.

Savings_Industry_405

That makes sense. I see it as control vs simplicity. AVGE seems cleaner because it handles the factor/global allocation inside one fund, but building it directly with VOO / VXUS / AVUV / AVDV lets me control the exact weights. I’m probably leaning toward the direct ETF stack for now and dropping the individual stocks so I don’t overcomplicate the Roth.

bofoshow51

I highly recommend the [Financial Order of Operations](https://moneyguy.com/guide/foo/#7-hyperaccumulation) for not just investing but general financial literacy and priority. It’s great if you are investing aggressively and getting a 10% return, it’s bad if you don’t first pay off your credit card debt with 25% interest so you’re losing more money than you’re growing, or you didn’t first build an emergency fund to handle the little surprise expenses life throws you and you have to pull money out of your investments. In terms of what way to actually invest, I highly recommend the [3 fund portfolio](https://www.optimizedportfolio.com/bogleheads-3-fund-portfolio/?gad_source=1&gad_campaignid=10886055113&gbraid=0AAAAACPYnC6gFzivnN-AeQgEAzjrRXjev&gclid=Cj0KCQjwio_RBhDMARIsAJPveNPg67JDp3ImRsx7BkqroO_gAI2xRVosB4Epp3u9It3_7MtQ6_RMS8caApl5EALw_wcB) for maximum simplicity, maximum success, and minimum worry/effort. Buy low-cost broad market index funds, get one each for US stock market + international stock market + bond market, ideal funds are VTI/VOO/SPY + VXUS + BND/GOVT/VGIT or even simpler VT (total world so US and international together) + bonds. When you’re young you want way more stock index funds than bond index funds in your portfolio, for reference I am a 95/5 ratio of stocks to bonds and 29yo, and I’d be 100% stock if not for my 401k target date fund having a small portion of bonds anyway. When you are near retirement, about 10-15 years away, you adjust your ratio more to bonds. It’s preference what that retirement ratio will be, I plan to go to about 75/25 or maybe 80/20 depending on how I feel my risk tolerance is in my old age. Hope that all helps!

Savings_Industry_405

Fair point. I looked into AVGE and I see the appeal as a cleaner all-in-one Avantis/global equity core. My only hesitation is that I’d have less control over the exact U.S., international, and small-cap value weights. I’m leaning toward either AVGE + VGT for simplicity, or just building it directly with VOO / VXUS / AVUV / AVDV and dropping the individual stocks.

MachuMichu

I'm a big fan of Avantis funds but I don't think you need AVUV with this set up. If you want a VGT tilt I'd probably combine VOO+AVUV+VXUS into something like AVGE which gives you all Avantis funds. Then you can still leave some % for individual picks.

Savings_Industry_405

That makes sense. I probably don’t have a strong enough macro thesis to justify being 90/10 U.S./international, so I’m leaning toward at least raising international to 20–25%. I also see the point on small-cap value. A cleaner version might be something like VOO / VXUS / AVUV / AVDV instead of adding individual stocks on top of VOO and VGT. I’m not trying to overfit the portfolio based on AI or short-term macro, but I do want the allocation to make sense long term. Appreciate the breakdown.

Savings_Industry_405

Fair criticism. My goal was a simple long-term Roth with a U.S. tilt, but I get the overlap point. I’m reconsidering whether the single stocks are worth holding separately when VOO/VGT already cover most of that exposure. For international, I used VXUS for broad coverage, but I see your point on adding an international small-cap value sleeve like AVDV instead of only using total market. Would you personally run VOO / VEU / AVUV / AVDV only, and if so, what percentages?

Ticksdonthavelymph

Dumb. You already own meta google and Eli Lilly in your S&P 500 and VGT. You have a SCV sleeve for US (AVUV) but none for international (AVDV) and instead hold total market in your international VXUS. VOO, VEU, AVDV and AVUV. Cover everything you want with less mess and without overlap. Your percentages are also shit. What’s actual global distribution? 60/40 US/Ex You are (arguably) 90/10. Which isn’t off from most US traders, but it is still wrong re balancing out of America in next decade (and what actual market distribution should have you at).

Less_Suit5502

VTV only dropped 1.4% compared to 3.8% for VXUS and 2.6% for VOO. So international market got hit the hardest. Energy stocks might be holding up VTV

TreGet234

Time to buy VXUS if november-february repeats.

intelligentx5

I have been taking gains in bunches and dumping into VTI/VXUS.

intelligentx5

Trust me, most of it is in VTI/VXUS now. I’m booming with you now lol

Throwaway-Addict

Hi, I am looking to rebalance my 401(k) portfolio and reduce my exposure to SpaceX. I am considering shifting toward S&P 500 index funds (SPYM) and VXUS instead. Does anyone know whether VTI, VT or other total-market index funds would include SpaceX immediately after it becomes publicly traded, or whether they have better eligibility requirements similar to the S&P 500? Thank you.

Pop_Magoot

Like international (VXUS)?

Odd-Flower2744

Easily manageable by moving to VOO and VXUS, S&P500 would be 1000x worse because there’s not anything really similar that avoids it in a lot of 401ks.

Illustrious_Gift1609

Dividend stocks were green. I sold JPM and trimmed UNH so there is a 99% chance they open 3% up Monday. I’m going all VOO, VXUS. Then SMH when it’s appropriate.

Illustrious_Gift1609

Been doing this 15 years and VOO and VXUS + 10% speculation is the way. I have my favorite stocks, ABBV, MO, IRM but VOO, VXUS help me to never panic. I won’t be getting rich quickly but my account feels safe and allocation is easy.

Ancient-Swordfish292

I've got VT in my Roth IRA. Thinking to switch it to VOO and VXUS to retain the same domestic to international weighting but with the S&P 500 on the domestic side.

LambdaLambo

You’re an addict. The only way to stay sober is to never ever ever ever trade again. So long as you only put money in VOO and VXUS or similar, you will do fine and retire with good money on time. If ever so much as trade a single share of any company, or buy a single option, you will lose everything again. Except then you’ll be older and have a harder time starting up again. So do yourself a favor and admit defeat, and admit that you’re an addict and that you’ll never win at trading. If you fail to do this you will become broke and maybe worse. In the meantime pick up another hobby and block wsb.

Ahamadrayasbaboon

Ok, what are you going to do with this change? Sell VTI and buy VOO or VXUS to avoid owning 0.1% Space X? This inclusion is going to have no noticeable impact on VTI’s trajectory. There’s a ton of stocks in VTI and many aren’t desirable already.  There is no reason to stress about this, any more than you might stress about Meta or MSFT being in there. Hell, MSTR might even be in VTI. 

jrex035

I feel like VXUS is in serious trouble until the energy crisis is resolved. The US is arguably the best positioned country in the world to handle it. And lol at putting money into EWY to avoid the AI Bubble, come on now. If hyperscalers cut back on spending EWY will get flushed down the toilet

kkkssskkksss

There's a couple options depending on what brokerage you use. Just do VT (Weighted world fund) if you want a one stop shop or VTI/VXUS (Total US/Total International) or whatever equivalent ticker at a 75/25% ratio if you want a US home bias tilt. There's also an argument for a 80/20 ratio of something like VOO + AVUV if you want to tilt to small cap value but have a majority of your holdings in the SP500 if you believe in the value premium model. International allocation is optional but recommended just for diversification and to avoid currency risk in a single country. Anywhere from 15-35% is fine. Doing pure SP500 is also fine. Want to avoid trash small cap growth companies and rugpull IPOs? DFUS is an active managed total US fund but with a very low 0.09% ER vs 0.03% VTI which is insignificant. As long as it beats VTI by 0.06% a year which so far it has then it's worth. Nobody knows the future though. Boomer index investing is boring and has low consistent returns, but you also won't fuck yourself trying to beat the market. Consider slowly adding like 10% bonds depending on your age too.

advantage_player

VXUS is only up 24% over 5 years

OddlyFactual1512

Most times, all at once. Today, the official term for the lofty evaluations is assinine. I would put some in VOO and VXUS and the rest in a treasury fund, then slowly buy up more VOO and VXUS

Michael1272

Thank you for the feedback - I readjusted my portfolio and currently running 55% VTI, 35% QQM, 10% VXUS

Crazy-Gam-Gam-777

Some folks are suggesting VXUS, there is a Reddit on here somewhere that compares that to VEA, which is also international. I chose the VEA because I wanted the developed countries only and not emerging markets...google that or whatever, hope that helps. Very new to all this myself

Ahamadrayasbaboon

SPMO, QQQM, VONG, AVDV, VXUS, FLKR, SMH, XLK, lots of single stocks. 

sunpar1

VT has too much international. I prefer to VTI + VXUS to control how much international exposure I have.

counterhit121

VTV and VXUS should be safe

Prudent-Corgi3793

I didn’t leave the US market, but I stayed in the good stuff (large growth tech) and ditched the garbage (consumer facing retail value traps with high tariff exposure) Added to factor-tilted international like DFIV, AVDV, AVEM, and DFEV. These are up +57.99%, +72.08%, +70.67%, and +69.66% when I started rebalancing at the start of February 2025, when I realized we were actually serious about the tariffs on China, Canada, and Mexico. For reference, VOO and VXUS are up +28.09% and +27.90% over the same time frame.

the_shaggy_DA

VTI 50%, VXUS 45%, and BND 5%, then delete the app and never think about this wretched market for at least the next two decades

drew-gen-x

I drive by a data center construction site everyday that looks like a scene out of the Matrix before Keanu Reeves was rescued from his energy pod so I do get the peoples hate for having data centers in their backyard. But I fear that will just mean more data centers are built overseas in 3rd world countries who want to take the hyperscalers AI Cap ex money. This is yet another reason to buy $VXUS over $VTI. Buy the stocks taking the AI cap ex cash not the stocks spending the AI cap ex cash.

drew-gen-x

Nope I'm a gambler & very heavy world ex us and very bearish DXY. My largest positions are $VXUS, $PHYS (Gold), $EWJ (Japan), $BRB-B, $VT, and $EWY in that concentration order.

drew-gen-x

I thought about buying PayPal today but then I realized all my biggest loses were individual stocks and all my largest gains were index funds and ETFs. So I made the rash decision to sell all but 2 of my stock positions and buy mostly $VT and $VXUS. I'm done trying to time this casino.

drew-gen-x

The top is in. I dumped all my AT&T and $TLT shares and FOMO all that cash into $VXUS, $VT, and $EWY. I still own Deere & Co and Sony; but I dumped all the rest of my individual stocks today. If no one else in the market wants to buy value, then why should I hold value??

Sufficient_Habit5091

VXUS is the way.

drew-gen-x

This is the dumbest bubble EVER. With all that said if nothing matters is to sell everything and BTD on semis than I will join the crowd and buy back into $EWY. I also bought more $SONY and $VXUS. Make America Great Again polices have made the DXY weaker and the rest of the world richer I'm afraid.

TrueMrSkeltal

So VTI and VXUS are for losers apparently since you get dividends from holding them

Shoddy_Employee3110

I wouldn't focus on dividends until close to retirement. You're young, enjoy time horizon to take advantage of growth stocks/funds. Don't forget to consider international (I like vti for US and VXUS for international).

TreGet234

Worth switching from qqq into voo? Surely a rotation like november is imminent. VXUS could be cooked due to oil outside the bubbles in EM.

harrison_wintergreen

VXUS would beat VOO for about a decade starting 1985-86, if the ETFs went that far back. https://www.bourbonfm.com/sites/default/files/users/PatrickBourbon/US%20vs%20international%20performance.png >but is the idea here that voo historically outperforms, not necessarily.

booobReviewer

CQQQ has structural issues beyond the political risk people mention. It tracks the CSI Overseas China Internet index, which means it's heavily weighted toward BAT (Baidu/Alibaba/Tencent) and its fee is 0.65% — expensive for what you get. The YTD performance is weak because Chinese consumer spending is still depressed. If you want China tech exposure, KWEB (0.68% ER) has better liquidity and a broader basket. But honestly, Chinese tech is a bet on government policy turning pro-business — there's no evidence of that yet. A simpler geographic diversifier might be VXUS (total international ex-US), which gives you Japan, Europe, and emerging markets including China without the single-country concentration risk.

booobReviewer

The reason to hold VXUS isn't higher returns — it's diversification during periods where the US underperforms. There were lost decades (2000-2009) where the S&P returned ~0% while emerging markets did well. Had you been 100% US in 2000, you'd have gone 10 years flat. With $400k, having 20-30% international means your portfolio is protected against a scenario where US valuations compress. The trade-off is ~0.3% lower expected returns for true geographic diversification. Only you can decide if that's worth it.

booobReviewer

You're in a better spot than you think. That $4k/mo pension covers baseline living expenses, so you actually have more risk capacity than most people your age. Here's what I'd do: 1) Set aside 6 months of MA rent in a HYSA (~$18-24k) as your emergency fund 2) Max the Roth IRA for this year and next ($14k total) — all in VTI or VOO 3) Pay off the truck ($9k) — frees up that payment every month 4) Put the remaining ~$120k in a taxable brokerage, mostly VTI with maybe 20% in VXUS for diversification The pension means you can afford to be aggressive with the stock allocation since you've already got a bond-like income stream. Don't overthink it — lump sum into broad indexes and let time do the work.

KERAMI

This is the best answer. I used to spend so much time trying to decide on the best path. Now I login to verify my recurring deposit and purchase went through on a pay day and I log out. When I have a bit more maybe I'll set some aside to 'have fun with' but the lack of thinking and just committing to VT or VTI/VXUS or equivalents has been freeing.

Gyozapot

I am up 60%! VTI till I die. 50% VTI 30% VUG 10% VXUS 10% indi stocks- Apple and Google. I’m not getting rich but I’m not complaining to my coworker(me) that I lost 50k on the AI pullback a couple months ago. True story.

DC8008008

Just do VTI/VXUS like your Roth. Or just VT which combines both US and International stocks.

Sufficient-Water4351

S&P has a lot of exposure to tech already may want to sprinkle in a little international total stock market ETF, and split your bulk position between S&P, Nasdaq ETF, and maybe some individual tech stocks. If you’re young you can weather the storm. Maybe 50% S&P (VOO) 20% NASDAQ (QQQM) 20% International (VXUS) 10% individual stocks.

tradematesHQ

VOO is definitely higher risk but historically higher reward since it's all US large caps. VXUS adds diversification but drags returns in strong US markets. Depends on your time horizon tbh. If you're young, go heavier on VOO. If you want sleep-well-at-night stability, add VXUS. Simple as that.

Historical-Pride-698

VOO alone wins on returns. VXUS adds safety if US crashes. Choose your priority.

Fun-Sundae4060

VXUS has crashed alongside the US market many times. It also did worse during 2008 than VOO IIRC. It would depend on your goals of growth and how conservative you are that would determine the level of diversification you’d want. More concentration = more risk, usually better reward. More diversification = less risk, less reward.

thewarrior71

VXUS only goes back to 2011. Use the SIM tickers (VTISIM, VTSIM, VXUSSIM) to see data back to 1970: [https://testfol.io/?s=51N1JsAm913](https://testfol.io/?s=51N1JsAm913)

neonam11

Take some of your profits and put them into VTI/VXUS/BND and chill.

jvaritek33c

I manage our household finances as a whole, roughly in a barbell strategy. My wife is the safe side of the barbell - almost entirely in VOO (50.5k) and SCHD (44.5k), with meaningful but not significant amounts in RSP (6.3k) and VXUS (12.5k). She also has a single share of Costco and I don't remember why Earlier this year I repositioned my VOO into BRK.B (47k), RSP (5k), AVUV (4.7k), and GLDM (3.3k) to reduce my exposure to megacaps and introduce some conservatism. Today I added a 8.5k leveraged position in GOOG, I already have a large position (57k) which is up 80% or so. Let your winners win, yknow. I have speculative options plays in NKE (1.5k) and USO (0.6k) I have 23.6k in SGOV to act as dry powder to be invested per my IPS, either into NKE depending on pre-defined quantitative benchmarks from their SEC filings or otherwise standby for other potential plays that look appealing and pass a DCF analysis All in all, I'm running her side as a typical "Index fund and chill" and my side as a concentrated bet on Google with the BRK.B investment acting as a "buy the dip" or "value investing" proxy. My thinking there is "they have an insane amounts of cash and a framework of value investing that I learn from, why try and do it better than them if they're the ones who have all the cash if a crash happens." It's me attempting to recognize that if a crash happens, I'm not likely to outperform their value investments My thesis for Google is that they own the entire vertical in the AI space, have the distribution network setup, and they're also my quantum computing exposure which I'm very bullish on

drew-gen-x

I checked my tax lots as I was getting down voted here for buying on March 30-31st. $VXUS +15.92% $EWJ +13.99% $PHYS +0.9% (Gold). Buying gold was a miss. $EWY +77.3% These tax lots were from April 7th $VT +13.9% $VPL +20.34% If you are gambling its not a bad idea to throw more than 1 dart when buying. I would've expected Gold to outperform but the other 5 buys have done just fine and made up for the difference. I sold $EWY 2 weeks ago and have put that cash into $BRKB, $VXUS, and $EWJ. Diversify, diversify, diversify.

_genepool_

VOO with some VXUS. You can alter the percentages in each depending on what is happening in the world.

oldschoolczar

Hookers and blow it is then! HYSA = high yield savings account. Not sure where they’re at now but can maybe get 4% interest so you’re keeping up with inflation. Index funds are just like investing in stocks but you buy one fund and it can have hundreds of different stocks. The thought is that it’s less risky and the market in general goes up over time so you basically just invest in the entire market rather than trying to pick winners and losers. A typical approach might be 70% VTI (US total market) and 30% VXUS (Intl market). A lot of people suggest increasing international contributions beyond 30% because the cycle is shifting and greater returns are anticipated in international stocks than US stocks in the coming years.

AutoDefenestrator273

VTI or VXUS. I personally prefer VXUS.

Ancient-Swordfish292

Are you saying private equity is going to be incorporated into index funds like VT, VTI, VXUS, etc.? That doesn't seem to be what is happening. I can pick the funds I'm invested in in my 401k. If they add a private equity fund, I'm not going to buy it. Tesla is dumb, but hopefully it becomes less of the index as soon as its valuation receives a long overdue reality check. SpaceX is also dumb, but they're starting at low float. So far, the problem doesn't seem to be a big one. I'm still getting good returns from index funds.

shryke12

I put everything you need to get in that post. It's all safe buy and forget investments that will throw off solid cash flow for reinvesting or use in life. So you just buy 25% in each of the four funds below, they are all diversified low fee funds. 25% VOO - S&P 500 25% VXUS - international basket fund 25% SCHD - Value and dividend basket fund 25% MLPX - Energy focused fund that reprices rapidly with inflation. Has a high dividend. This energy ETF is unique in the stack as it's holdings are not sensitive to energy prices. They are logistics. This is a core staple holding of mine.

alien_believer_42

I’ve only been buying VXUS since January 2025

shryke12

VXUS is a low fee ETF with broad international exposure. You can buy it in your normal brokerage app. No need to go somewhere special. Dividends smooth downturns and provide cashflow while you hold. In a world of money printing and inflation, they protect your purchase power much better than bonds while filling a similar role. Your situation in particular, being in transition from military retirement to second stage - (Congratulations! I was 11b Army so I know how amazing it is!) I think lends itself well to a solid income component which is why I suggested 50% dividend focused. They still grow in principal better than bonds also.

Sufficient_Habit5091

Thanks for sharing. Honestly I'm watching Warsh's first meeting very closely. If he doesn't convince me that he wants to restore credibility of Fed, that's it. I feel like every man for himself. I will also deploy a huge chunk from cash to World Ex US in VEU. Should be similar to VXUS but I think VXUS just has more small caps but track closely.

drew-gen-x

The Fed is going to let the inflation run HOT hoping the economy can outgrow inflation. Half of the move higher in the $SPY is a DXY devaluation trade. The other half is what I like to call the AI circle jerk bubble. Inflation is killing the value of the USD. In prior times the Fed would have hiked interest rates above the actual CPI inflation rate to kill inflation. Investors would have moved some of their capital from stocks & equities towards safe haven of guaranteed US Treasuries paying a rate above inflation. The Fed can't do that now since the US debt interest payments have exceeded US defense spending as the largest liability on their books. I would recommend looking outside the USA or at least look at the entire world. I've been mostly buying $VXUS (World ex US), $VT (World plus US), and $PHYS/$GLD (Gold). If the current USA economy isn't working for 90% of the population and our USD become more worthless everyday then use those USD to buy cheaper hard assets and stocks outside of the USA with those USD. You can be bearish on the US economy and still buy stocks & hard assets. Good Luck

shryke12

If you were going to hold that as a long term investment, you need to stop picking individual stocks right now and start only putting your money in VXUS, VT, VOO, or SCHD.

WetDogAndCarWax

The issue is they're even more exposed to oil shortages than the US is. I've been diversifying away from the US for about 19 months now but halted that a couple of months ago. Still heavier in VXUS than domestic, but not by a lot.

shryke12

My advice would be don't pay a fiduciary if you feel you have patience and not panick sell in downturns. And don't overtrade. Simple strategy. 25% VXUS - international basket 25% SCHD - Value and dividend basket 25% MLPX - Energy ETF reprices rapidly with inflation - high dividend. This energy ETF is unique in the stack as it's holdings are not sensitive to energy prices. They are logistics. This is a core staple holding of mine. 25% VOO - S&P 500 This is globally diversified, will throw off great income, will thrive in high inflation periods, and provide growth. If you don't need the dividends reinvest.

Ahamadrayasbaboon

Rhinemetall, Rolls Royce, AVDV, VXUS

CircusTentMaker

I sold my house in June 2025 for 800k, and put all that into VTI+VXUS. That's +200k right there already. This run is crazy.

GitDaHellOuttaDoge

VT and chill. Look at VXUS and VEA 2025 returns they handily beat VOO so some international exposure may be boost returns

RecentPangolin3745

Doubled my 401k in 2 weeks with DRAM NOK PENG BB. Coming from boring ass VT , VXUS ect ect

wynveen

VT or VTI/VXUS. Bonds if you are super scared

Maleficent_While2653

VXUS top holdings are TSMC, Samsung, ASML, and SK Hynix, among others in various industries. I would keep it as a large portion of my portfolio just for that. There is a lot of value outside of the US and way more depth in comparison (the US is pretty much only driven by AI spending and semiconductor stocks at this point).

tk421tech

Ok so under $20k Switched it to VOO 70% VXUS 20% and BND -> APPL / plan to get 10 total shares and leave alone for 10 yrs.

deezycalifornia

That does seem quite aggressive but I’m sure it pays off when it does! I think I will shave down my SGOV position for VT or VOO/VXUS.

deezycalifornia

Exactly. I definitely have too much cash, and have known this for a couple years now but this is the year I finally want to do something about it. For reference, I had all cash in an HYSA until I realized it could be in SGOV instead and skip out on the state taxes. That was my “big” move this year lol. Now I am starting to realize I truly don’t need this amount of cash and might shave it down some into VT. I already have a separate trading account on Robinhood but only a few thousand in it so will probably just keep that. I will most likely reset my retirement accounts and put it into VT or a mix of VOO / VXUS. Thanks for the reply.

pidaryob

i’m running 70% VOO, 15% IWM, 15% VXUS. Would you cut any of these to squeeze a little SCHD position?

thorn960

I'm getting out of US passive indexes. I'm going with AVUS balanced with VXUS.

milkplantation

You can get ETFs like DGRO which is VOO companies that have 5 consecutive years of dividend growth. The ETF has a 5 year dividend growth rate of 7% so you can easily outpace inflation even if it stays flat. I think it's a good shelter until the house of cards comes crashing down. VXUS is also good and seeing growth. There are still good passive options.

Fair-Guitar2117

Question for the thread: for those of you who hold international exposure (VXUS, VEA, VWO or similar), how are you thinking about the allocation right now? I've been at 70/30 domestic/international for years but have been reading more arguments for increasing international weight given US valuations (CAPE around 35+) vs. developed international markets trading at significant discounts. Not suggesting market timing, but wondering if people are revisiting their target allocations vs. just their tactical positioning.

Fair-Guitar2117

Same as before the volatility: VTI + VXUS, roughly 70/30 domestic/international. Monthly DCA, don't touch it. The macro uncertainty is real but it's not an actionable signal. Every year there's a compelling narrative for why "this time is different" — trade wars, rate hikes, election risk, recession fears. The people who paused contributions during COVID dip in March 2020 missed the fastest 50% recovery in market history. The only meaningful change I've made: increased cash buffer from 3 months to 6 months expenses. Not because I expect job loss, but because it lets me not even think about the portfolio during down periods. That psychological buffer is underrated.

TrashPanda_924

VTI / VXUS hold while continuing to add VXF to reduce big tech companies that overweight VTI.

BooTeeEater69

625 a month into my Roth IRA. VTI, VXUS 70/30

MarlonMcCree20

Yeah and I do VOO vs VT, more upside to me while still being safe. Small amount in VXUS as well just for international exposure. I don't expect it to beat US markets long term, but this current regime showed me the market can drastically shift with a single tweet lol.

intelligentx5

VOO is driven by like 7 stocks, the rest is down double digits. I would go VTI/VXUS split maybe 70/30

fozzy71

You could add 20-30% international exposure via VXUS or AVNM, and 5% or 10% small-cap value exposure via AVUV.

Rude_Pirate9078

Alright you sophisticated group of well intentioned strangers, have at it. Below are my asset allocations and thesis for my positions. For context I am planning to run this strategy for 20 years before moving into a glide path for retirement. Asset Allocation ​30% VTI (Broad US Market) ​35% VXUS (Broad International) ​15% AVUV (Avantis US Small-Cap Value) ​15% AVDV (Avantis Int'l Small-Cap Value) ​5% IBIT (iShares Bitcoin Trust) ​Thesis -​S&P 500 Concentration & Valuation Risk: The S&P 500 is top-heavy and expensive, with the Shiller CAPE ratio sitting around 40x. The index is dominated by mega-cap tech names, making it vulnerable to a flat or negative decade if multiples compress. Keeping VTI at 30% maintains broad U.S. market exposure while cutting back on this specific top-heavy risk (and SPCX IPO). -​Global Value and Profitability Overweight: Excluding crypto, the equity split is exactly 50/50 domestic and international. This setup captures the valuation discounts outside the U.S., where multiples are lower. Allocating 30% combined to AVUV and AVDV captures the size and value premiums, while Avantis's fundamental screens filter out unprofitable companies. This provides better immediate earnings yields in a higher-interest-rate environment. -​Sized Crypto Allocation for Total Return: IBIT is set at a 5% target. Bitcoin's high volatility means a small allocation can noticeably drive overall returns during a major market cycle, but the position size is restricted so that a severe crypto drawdown won't derail the core portfolio. What do you think?

DarkVoid42

VTI+VXUS. nothing else.

WeakEstablishment686

I was looking for a comment like this. Are you fully allocated only to individual stocks? If so, you could just keep letting these run (especially Google) and just DCA into a combo of VTI or VOO and VXUS. My only worry with someone in their 30s is if you project 30 years out will some of these companies die out. Unlikely that multiple do and overweight your winners, but that risk exists and an ETF will naturally shield you from that.

betarhoalphadelta

Simple... VTI+VXUS does, as you state, trade some diversity for lower growth. This is a risk profile question. I'm comfortable with VTI only (and would probably be comfortable with VOO only) and trading for the potential growth. So the "core" of my holdings are VTI. That's my passive investing. Individual stocks beyond that? If you don't know what you're investing in, and why, and just doing it because people are telling you to? I wouldn't touch it. That's just gambling. It's practically blackjack, in that the odds of beating the "house", i.e. the indexes, is <50%. If you want to invest in individual stocks beyond the indexes, it takes research, formulating a thesis, and a lot of work. It's still gambling, but it's more like poker--someone who is actually talented enough can, on average, win more than they lose. But like poker, there are plenty of bad beats out there waiting to happen. Based on the limited context of your post? I'd go VTI or VTI+VXUS, and avoid individual stocks for now.