VXUS
Vanguard Total International Stock Index Fund ETF Shares
Mentions (24Hr)
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I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
Advice for a 27 year old trying to leave the nest?????
Limited International Fund Options in Employer’s 401K Plan?
Thinking about a higher growth portfolio for the new year.
Is there an index that concentrates on only the top 50 or so biggest companies / growers? (QQQ only focus on tech - I want the same but with all industries)
Trying to tilt for value/small cap, am I doing it right?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Which ETF is better to invest into the S&P500, USF or VOO.
Should I cut bait on some of these stocks in my portfolio?
What to allocate to a traditional IRA vs. keep in taxable account?
A bit confused about how taxes work for personal investment account
First time maxing out Roth contribution. Give me a super basic, set it and forget it, distribution
19, are automatic payment of $30nzd per week into these stocks good?
Am I missing something? What is the benefit of international diversification when ETFs like VXUS significantly underperform ETFs like VOO? Diversification just for the sake of diversification?
Beginning Automatic Investing: Need direction
Swapping my 401k from a target date fund to FXAIX
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Seeking advice on investing in Discounted Contributions Plan (DCP)
How to replicate VEU or equivalent Global ex. US ETF sold in the UK?
I have a mental issue when benchmarking my portfolio - looking for advice.
What would be the most tax efficient way distributing my savings?
What would be the most tax efficient way distributing my savings?
What would be the most tax efficient way distributing my savings?
Portfolio Review and Strategy in Times of Uncertainty - Seeking Advice
Consolidating Portfolio - VOO vs VTI + Tax Loss Harvesting
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Does Fidelity only allow fractional share buys during market hours?
Selling Stocks vs Exchanging Foreign Currency Visiting Home Country
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
How can I get good exposure to ex-US markets without unqualified dividends?
What ETF should I invest in in my Taxable brokerage
Not sure if missing something with plan to transfer to Robinhood.
What is the best international equity ETF to invest in besides VXUS?
Are my portfolios any good? 96% equities / 4% real estate
What is a good aggressive 3 fund portfolio allocation?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Used portfolio visualized and am stumped…am I totally off?
Just started investing for real, is this a reasonable mix?
Concentrating bonds in a traditional IRA and stocks in a Roth IRA?
Deciding to start my investing journey. 50% in QQQM and 50% in VXUS
Finally settled on an investment plan, wanted to see if it sounds good or not
Back in June, a concern about the nascent stock rally was the limited breadth. That is finally changing: across sectors and regions.
Mentions
VTI and VXUS for the win
VXUS will outperform VOO again and be the safest buy of the year
ha. then that's good. I'd invest what you can. Especially if you don't have much of a retirement and you're already 36. You want that compounding interest to work for you, and the longer you wait, the slower it takes. Just a few to consider. * [**Vanguard 500 Index Fund (VFIAX/VOO)**](https://www.google.com/search?q=Vanguard+500+Index+Fund+%28VFIAX%2FVOO%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAB): Tracks the S&P 500, offering exposure to large U.S. companies, recommended by Warren Buffett. * [**Vanguard Total Stock Market Index Fund (VTSAX/VTI)**](https://www.google.com/search?q=Vanguard+Total+Stock+Market+Index+Fund+%28VTSAX%2FVTI%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAD): Covers the entire U.S. stock market (large, mid, and small-cap) for maximum diversification. Growth & International * [**Vanguard Growth Index Fund (VIGAX/VUG)**](https://www.google.com/search?q=Vanguard+Growth+Index+Fund+%28VIGAX%2FVUG%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAB): Focuses on large U.S. growth stocks, heavily weighted in tech. * [**Vanguard Total International Stock ETF (VXUS/VFWPX)**](https://www.google.com/search?q=Vanguard+Total+International+Stock+ETF+%28VXUS%2FVFWPX%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAF): For broad exposure to developed and emerging international markets.
VXUS for currency unhedged
US was not always the dominant market and there's no reason to believe that other countries cannot overtake the US in the future. For my retirement, I'm investing heavily into VXUS and less in SP. The world has relied on the US for far too long and is now seeing what that reliance can result in. The world is diversifying away from the US reliance and I'm doing so as well.
Ive been pouring money into VXUS since Jan 6th.
Open a Roth IRA and contribute $7000 to the 2025 year. You can then put up to $7500 into the same IRA, but for the 2026 tax year. Once the money is there, you need to tell the Roth IRA what it should purchase. Most people would recommend buying a couple of broad index funds that track the entire market. VTI and VXUS is a good place to start with somewhere around a 70% VTI / 30% VXUS split.
I am a real estate investor and developer. I have several rental properties, in addition to my own home and a starter home, which I also rent out. I do have a small portfolio with Fidelity, which I make contributions to, but my plan this year is to acquire a fifth cash flow property, at which point, like you, work will be optional for me! I do plan to still work, though, and will use to proceeds from the rentals to build up my stock portfolio. NW is about $1.25M now, but most of that is not liquid. Aiming for $3M in about five years, which sounds kind of nuts, but everyone says the first M is the hardest, and the way things are going, that seems to be true. I want a stronger balance of liquid and non-liquid assets, though, and more diversification. Current stock allocation is 60% VOO, 20% VXUS, 10% QQQ, 10% individual stocks.
The fun thing is if you were buying VXUS when they told you not to, you would have been leveraging a very strong dollar against relatively weak currencies, buying foreign assets at a discount. The time to diversify is not when everyone else is talking about diversifying. The time to diversify is when people say you don't have to. Prices are lower.
You only have to be about 2 years old to say that. It wasn’t long ago that everyone on reddit shunned anything other than “VOO and chill.” Now we seem to hear a lot about VXUS. It’s just an echo chamber of short-term performance.
Literally just msci europe and msci korea. Or something like VXUS. Spy and the dollar are a ticking time bomb outside of like micron, sandisk, defense and space stocks. My faith for spy and the mag 7 (outside of maybe google) is at 0. I almost would trust fullporting silver more than being fullported in spy.
1/3 VXUS, 1/6 PHYS or GLDM, 1/6 PSLV, 1/3 JBBB CLO waiting for dust to settle
Then I would sell SCHD and diversify into VXUS. 100% of SCHD is in VTI, so no need to have overlap.
Today's events will likely have two outcomes in the next 10-20 years. Either the US maintains it's dominance, meaning little changes and S&P 500 continues to outperform the rest of the world, OR, The US loses it's dominance meaning investors will move their money to more stable markets where EU and Asian markets will likely benefit most. The former relies on the US demonstrating continued growth stability. The latter relies on loss of growth stability. So how do you position yourself to benefit from either outcome? VT (World tot. market) usually performs between VOO (S&P 500) and VXUS (World tot. market minus US stocks), which I think is you're best option for any outcome with one assumption, the money remains in the stock market and isn't pulled out to invest in other asset classes (previous metals, cash, bonds, etc).
I dramatically increased my international equity back in April 2025 and the returns have been excellent. I think the real trick though is don’t blindly pick a boring all-market fund like VXUS, get something with some strategy, methodology, finesse. My favorites include FNDF & FIVA for developed market, and FNDE for emerging market. Schwab’s FNDF and FNDE use fundamental method to evaluate company health when selecting stocks. FNDF consistently beats VXUS, and FNDE has high yield dividends that help a lot when reinvested. Fidelity’s FIVA use value factor method, looking for potentially undervalued stocks. The dividends are really high every quarter, and the performance over the past year has been a jaw dropping 44.65% gain. I have a crush on this ETF. AVDV is another one to check out. I don’t own it, but it’s a small cap international value, meaning it can be volatile but also impressive.
“Common advice”? I know VOO and Chill is the mantra among younger redditors only investing during a bull market. Older/wiser investors will say VT and chill or some variant of VTI/VXUS and equivalents.
I'm old enough to remember posts where people said: "I looked at the one year performance of VXUS and it underperformed VOO, so I think I should just invest in 100% US"
What you’re looking for is more diversification. No need to sell anything, just add extended market (VXF) and international (VXUS)
Poor donny admin just forcing the entire international markets to outperform USA due to his “america first” policies.. 2023 and 2024 outperformed 2025 and VXUS is already crushing SPY YTD… morons
tbh I might close out my positions and set it in VXUS until 2028
So in the end I should pick VXUS, but it doesn’t matter much. Right?
You are over exposing yourself by choosing VTI and VOO since they share similar holdings. Personally I'd keep VOO but either works, swap QQQ with SMH unless you want less volatility but since you're pretty young I would go with SMH. SCHD isnt bad but if you want more growth given your age again I would go with SCHG or add VXUS as well for international exposure.
Maybe I really should full port VXUS
Can someone help me understand if an ETF or mutable fund is better for me? I’m looking at VXUS or VTIAX. I understand the actual difference between the two, but am confused by which is the better choice. This would be in my taxable fidelity account. I have money elsewhere that I want to move over to an international fund over some period of time. Let me know what other info I can provide.
VT is basically VTI and VXUS, and I would pick the latter two together for rebalancing and foreign tax credit. But if it must be just one then VT.
I see where you're coming from. Yes, I will be keeping my VONG. This next 7000 will go into something different (XMMO or VXUS) as part of building out a rounded, diversified portfolio. Once they are bought. I'm not touching them. My main concern is missing a year of great growth, for a year of just okay. My logical talking points to myself to make this decision are its all long term, so there will be ups and downs anyway. Another being many investments are flowing ex us, but things are also a bit shaky the world over at the moment. Lastly, mid cap is being seen as a strong investment as well, with many firms increasing their mid cap positions. My planner agrees with me on these points. He votes xmmo this year and going international next year with the next 7000. But I'm wanting to just pick some brains here and there about others outlooks. Thank you for your opinions, and no offense has been taken 😁
VXUS / VT are Vanguard ETFs. Fidelity has their own too, just hood “fiedloty international etf”
International equities have the same expected return as US equities. Actually slightly higher because of risk premiums associated with value characteristics. Essentially stocks with lower P/E are expected to return more and international markets currently have lower P/E than the US market. So you can have lots of international exposure without losing out on growth. Anyway for market cap weights you would sell ~$350,000 of VTI/FSKAX/FXAIX and buy $350,000 of VXUS/FTIHX/FZILX. Note that while doing this is a good idea in general, doing it because of your personal feelings about the market is potentially a bad idea. If you stick with the allocation for the rest of your life then it's good. If you switch back to all US equities next time the US outperforms for a year then you will just uneerperform overall.
VOO is up 20% this year, VXUS is up 35% this year.
>I'm 70% U.S. equities, 15% Int'l That is a shocking split to me. The US only makes up around 65% of the global stock market. You can say the S&P is the best, but while VOO is up 20% this year, VXUS is up 35% this year.
Cpi numbers, tsmc shattering earnings somehow crashing the market like in november, SC ruling..... a billion catalysts just this week. Anyway gold and VXUS will probably keep outperforming spy anyway.
VXUS and gold are up more. Spy and qqq are poopoo.
SPY hanging on for dear life while VXUS rips lmao. Clown material.
Zoom out before you break your arm patting yourself on the back. VXUS is up 27% in the last 5 years while VTI is up 74%. VXUS moved 59% since *2011*. With recent events, it might be worth starting to allocate towards international, but I'm glad I limited exposure to it before.
VXUS will have another +30% year
41 comments, no good answers. The truth is that if there's a lost decade, it's because valuations compress on the stocks that drive the major indexes. Even during Japan's super long concurrent last decades, it wasn't like the entire Japanese market took 30 some years to recover, just the overall market index, which for Japan is price weighted. Small cap indexes had great years in Japan. Similarly in America during the dotcom bubble and the 1970s when thy nifty fifty valuations compressed. Likewise, international markets don't all have lost decades at the same time. So diversification is the play. Small cap funds like VBR, and international funds like VXUS help protect you from a "lost decade" but risk underperforming the market for extended periods as well.
I will be LOADING UP VXUS all year. Just as international over performed in 2025 it will do it again
There are way better international ETFs than VXUS. For international, because of how erratic the economies of developing countries can be, some type of selection is good. Yes I know the US is becoming more erratic, but it's worse in many other countries. I like IDMO (large cap momentum) and AVDV (small cap value). I also have CGDG although that is 50/50 US and ex-US.
as of me buying in last February, I think VXUS is beating VOO by over 10%? just go click the 1 yr chart and see for urself lol
VXUS has out preformed the S&P500 last year. So glad I diversified
day 200 of VXUS outperforming VOO
"My general philosophy with money is this: build slowly, test myself honestly, and earn the right to press harder later. I’m playing the long game, but I want leverage if I actually prove worthy of it." I don't disagree with this but will say that it's rare to see today. "I want more, but not recklessly. I’m very aware that consistency beats intensity, " I've often said that people need to focus on getting on base. Too many people swing for the fences every time and strike out - even consistent singles and doubles add up over time. "For investing, I put $600 a week into US ETFs. Roughly 40% into VGT, 40% into VTI, and 20% into VXUS. This is meant to compound quietly in the background and act as a financial backbone. I don’t touch it emotionally. No tinkering, no panic moves, no chasing whatever’s hot this month. Alongside that, I run a small swing trading account, about $2k. This is not income to me. It’s training. I treat trading as skill development, pattern recognition, and learning capital preservation before there’s ever any talk of real leverage. I trade end-of-day swings since I’m in Australia trading US markets. I focus on sector strength, tight consolidations, breakouts and pullbacks, defined risk, and high ADR stocks. Capital only increases after demonstrated consistency. If I ever scale it, the money would come from slowly reallocating ETFs, not lifestyle or savings. I’m not relying on trading to save me. I’m practicing so it could become leverage later if I earn it. Medium term, the next 3–5 years, the goals are straightforward. Keep building a house deposit, buy a property when it actually makes sense, keep ETF compounding going, stay disciplined with trading, and increase income through higher paying roles, specialisation, or side businesses. I already proportionally feel the physical tax of my job I don’t want my income ceiling to rely on my body forever." I....don't have an issue with any of this. Thoughtful/well-written. "So I’ll ask again, honestly: where am I getting this wrong? Where am I playing it too safe? " Sometimes I can find something slight to constructively critique with something like this but I really can't here. The only question I have and it's not even a criticism is what does this look like in terms of specifics: "Capital only increases after demonstrated consistency." Other than that, great, well-written overview/plan with nothing I can really find fault with.
So sick of this market, been sick of it since September. Going cash, gold, and VXUS.
2 seems pretty good to me. I personally like having a large concentration in index funds. I have around 50% of my portfolio in VOO and VXUS, the rest in individual picks. But of course, you know your own risk tolerance and personal situation better.
Thanks for replying! I see, that makes sense, I'll probably split that 10% equally into VOO and VXUS
My wdym? My VXUS is booming
Agree with the others, but you don’t need BND either. You’re 38 and you said you’ve got a 20 year horizon, VTI and VXUS is all you need and maybe pivot to BND when you get closer to your horizon
For some strange reason, VXUS is looking better and better for my retirement accounts.
Idiocracy achieved. Gold, Silver, VXUS
VXUS is fucking soaring because the rest of the world is laughing at us.
And people on here said VXUS was bad
Unhedged foreign equities don’t hold this sort of risk premium either, but the collateral damage from us market drop makes them a little risky too. VXUS if you need a ticker.
Looking for advice before I allocate my investments for my Roth IRA and general investing! Currently 21 y/o and intend on holding this until retirement Contributed $14,000 to an IRA but have yet to buy anything with it as well as $14.000 that I'm planning on investing just generally into the market. Here's what I'm thinking: **ETFS** 40% VOO 10% VTI 10% VXUS 20% $QQQ **Single stocks** 10% $CAT 10% $AMZN Should I be investing money in the Roth IRA vs general money in the market differently? Doing this through Schwab if it matters Any advice is appreciated, thank you for your time!
Keep VOO, add VXUS, drop the junk
Thank you for feedback! probably leaning towards VTI, VXUS and BND then!
There is a whole world out there. And ETFs make it easy to invest in international markets. VXUS is probably the biggest. One year gain of 34% vs S&P (USA stocks) 18%
I've moved into more international stocks. At least that way I can benefit from the intentional devaluation of the USD. VXUS up 34% over the last year to the 19% of VTI...
It's pretty terrible to be honest. You have a bunch of the same thing, which makes it pointlessly complicated. Convert SCHG & SPM to VOO Convert FDIG to VXUS Convert ETHA to IBIT 70% VOO 10% VXUS 10% GLDM 10% IBIT This gives you basically the same risk profile, but you have international markets, which matches your currency debasement trade.
Replace VTI with VXUS.
TSLA 10 shares, PLTR 31, META 11.01, AAPL 41.05, AMZN 39, GOOGL 48.04, MSFT 26.04, NVDA 10, ETFs VXUS 63.31, VOO 15.04, VGK 187.49. Total portfolio \~98k, up \~20% overall. I know it’s tech heavy, that’s intentional, ETFs are my stability layer. Biggest winners have been TSLA and GOOGL, META and MSFT lagging. Would you rebalance into more defensives or small value, or keep riding mega cap and let the ETF exposure smooth volatility? Also, for international, is VXUS + VGK redundant or a reasonable tilt?
>Not trying to chase returns, mainly want something simple, diversified, and easy to stick with long term. If this is what you want then just buy VTI+VXUS or VT and maybe a bond fund.
I ended up buying FSPSX not VXUS
Individual stock picking is not correlated to long term investing success. Whole market index funds held for a long time are. Consistently hitting the market average is something to celebrate. It's easy to do these days and nearly entirely stress free. Professional stock pickers struggle to beat the market average and they can't do it consistently. Chances are you're not better equipped or more well informed than a professional broker working at a big firm. Brokers have good years and bad. Retail investors have good years and bad. If you're hitting the market average you're doing better than most. VOO, VTI, VXUS or just wrap it all together and go for VT.
Oh, if we are limiting discussion to SCHD, brute force selling VOO shares will win every time, there's no question here. SCHD is not a good investment imo. I went single company as an example of quality dividend stock. In income community both MAIN and ARCC are as well established and known as VOO or VXUS in index investing. My point was that it is not hard to create an income portfolio using BDCs, CEFs, and/or MLPs that will provide sufficient income. If you are interested, I can replace the ticker with an income CEF that will produce similar results.
90% VTI, 10% VXUS, and chill. When everyone freaks out and panicking like on Liberation day, I double down, work overtime, cash in vacation hours, and throw it all in.
On the US side I prefer VOO + VXUS, particularly with the current outlook. Outside of the US that means VWCE, which I believe has about 60% exposure to US stocks. It doesn't get much more chill than that.
You just buy more VTI/VXUS
75% VTI 25% VXUS if single stock-> goog/amzn/aapl
VXUS beat SPY last year and is expected to do it again this year. Maybe putting 50% into international stocks isn’t a bad idea.
Would VXUS and or things that have small and mid caps not help diversification? All for not being overly tech, but at the same time tech has carried civilization since its inception.
Currently I’m mainly in VTI, VOO, VYM but I want to add an international fund like VXUS
VT is total market = US large mid & small vaps + International developed emerging & small caps VXUS is international ONLY = International developed emerging & small caps VT covers everything
VOO and VTI overlap with VTI holding 3000+ US companies and VOO holding only 500+ companies. If you want foreign exposure outside US, then VXUS is a good one. A dividend-focused one would be like SCHD. VGIT, BND, SGOV are all like investing in fixed income/bonds/HYSA so I would put a few percentage there for a safety net. Overall, if your goals are aggressive, I’d put like 50% in either just VOO or VTI. Split the remaining 50% among foreign exposure like VXUS, dividend exposure like SCHD, and fixed-income exposure like VGIT.
100k into a HYSA. The rest split between 20% QQQ, 25% VTI, 15% XAR, 15% VXUS, 15% VB, 10% VAW. With this you can catch gains from materials, defense, and small caps all benefiting from the US grand strategy. Protection from downside risk with the large caps while catching their AI rise. Then you have the dry powder with the HYSA to add onto anything having a run like more commodities.
Comparing VTI to a target date fund is apples to oranges. Compare a VTI+VXUS+bonds to a TDF.
Lots of decades of international outperformance but not any recently . Point is you never know what will outperform. S and p got crushed by VXUS last year and VT. IMO I don’t care and I am 100% VOO in all my accounts. But as my portfolio gets larger I will add more VXUS maybe 20%
You probably don’t need to do both VOO and VTI. You should also consider an international fund to diversify. You are you d enough that you could probably split between VTI and something like VXUS.
Nothing. Don’t listen to the bag chasers losing their money. Consider VXUS too, international exposure that has growth and a 3% dividend yield.
Consider VXUS as well since ~20-30% of VOO is the Mag7. That gives you international exposure.
VXUS is international only. VT will overlap that some.
What is the difference between VXUS and VT?
It doesn't necessarily cost more in fees either, depends on the specific funds. VTI (0.03%) + VXUS (0.05%) is lower fee than VT (0.06%). The single fund is simpler and automatically rebalances, which is a big advantage. If the fees are this low, a few hundreths of 1% simply don't matter. DHHF which is an Australian global ex-Australia ETF is 0.19%. BGBL (developed markets ex-Australia) is 0.08%. BEMG (emerging) is 0.35%, but emerging markets are only 10% of global equity capitalisation by weight. So BGBL+BEMG at market weight would be around 0.11%.
VOO is limited to about 500 stocks selected by a committee, VTI is every stock in the US. The downside is concentration risk. Both indexes use market capitalization to decide how much of each stock should be in the index. The biggest conpanies will be proportionally a larger part of the index. If you buy VOO, 7% of your investment is in Nvidia. In theory, you're trusting that the market is pricing the companies appropriately, but in practice if it's not you are pretty highly concentrated in a few stocks and sectors. You are theoretically getting a better return (assuming the market is correctly priced) but should expect higher volatility. In addition, you're losing exposure to international stocks, which also might make your investment more volatile due to less diversification. In reality you have little to worry about over a long (10+ year) horizon. If you want greater diversification and less volatility, and are willing to accept potentially smaller returns, then go for something like 80% VTI, and 20% VXUS which is an index of international stocks. Otherwise just put everything in VOO and don't look at it.
Thanks for the input I don’t have VTSAX, I got VXUS and VNQI. The partial shares sucks because most all what investors have partial shares
People mention this often when talking about things like VTI/VXUS vs VT. In this case you save a very small insignificant amount by splitting between VTI/VXUS
If you keep it to only one ETF, it will hinder avoiding wash sale in taxable when it is time to sell. Also there could be some possible tax loss harvesting to do when large caps behave differently than dmall&mid caps. US market: large+ mid& small cap =VOO+VXF = VTI Intl : VXUS
Downside is 100% US exposure, but to some that’s the goal. Many existing and foreseeable headwinds for the USD due to worsening international relations and active de dollarization efforts. Personally I don’t see the U.S. losing its status as the reserve currency in any abrupt sense, but the slow draw down is non zero chance. It’s not inherently a good or bad thing, but it introduced some uncertainty/risk in regards to global capital flows repricing assets faster than US companies can capitalize on the weaker dollar. Some international exposure might serve as a good diversified. Something like VXUS is a nice fire and forget - it’s like VTI but international.
Don’t really know VYMI, but returns look good, no red flags jump out at me. Turnover is high at 11.5%, smaller fund. Marginal differences in country exposure. Heavier exposure to finance, energy and pharma where VXUS is weighted more to tech. Given that your US equity is presumably heavily weighted to tech already (because the whole market is) I like it as a slight hedge against AI. VYMI has 1000 individual positions vs 8000 for VXUS, so they’re both broadly diversified aside from dividend-paying sectors obviously being overrepresented in VYMI. Unless your portfolio is otherwise overexposure to those sectors, or you work in one of them, I don’t see why that can’t be your international core, just has a slightly different flavor. Not quite as set it and forget it as a market cap weighted index fund though.
I do about 70% in VTI and 30% in VXUS for the growth portion of my investments.