VXUS

TestingLifeThrow1z

27M, I don't even know how to start but I've made some mistakes and need help. I started investing in the last post-correction bull market of 2020 and thought this was easy as a college sophomore. Made lots of money without having a clue about stocks. Then the 2022 bear market brought my portfolio down 50% and some stocks never recovered. I bought 'good' individual stocks back then and it failed (XYZ Block, NIO nio, clean energy, arkg genomics). However, I kept buying the dip and recovered the entire portfolio. However, I pulled Berkshire after he did by selling at the top this year in February. Got a new job and was very heavy cash (80%+). Market corrected and I didn't buy. I regret it alot everyday and could have made over 50k+ if I didn't sell. Historically, there has always been a 5%+ correction that I wait for every 6 months. That didn't happen this year after April. Idk what to do and the money is losing value with inflation every day. I'm falling behind. I want to buy a home, save for a family and kids, and save for retirement. I have a matched 401k, maxed out Roth IRA. What do I do? Buying VOO today means I might not get to buy a home or have a family if it starts crashing. I also can't be cash. How would I allocate my life savings? If there is a crash, I'm saved and I can invest all my life savings into VOO and forget about it. I can hold it 10 year+ but not more than that. I plan to hold the retirement into VOO, QQQM, and VXUS but there has been no correction to buy it.

BasedBallsInMyFace

Is VTI+VXUS still a good idea? I just do that without worry about anything

CapeMOGuy

VXUS is the ticker symbol of that total Intl ETF.

Wealist

VXUS covers intl stocks perfectly and AVUV or VXF fills the mid/small-cap gap Nasdaq misses. Solid long-term setup.

CapeMOGuy

If it were me I would add VXUS (total international) and either AVUV (US Small Cap value) or VXF (Vanguard extended market index-every US stock not in S&P 500) .

Senior-Preference678

VOO and chill works if your only risk is market volatility, but not if the risk is political or currency instability. VOO = 100% U.S. large caps, so you’re fully tied to the U.S. economy and the dollar. If you actually want political-risk protection, diversification matters: - VOO (40%): U.S. growth core - VXUS (20%): global exposure outside the U.S. - GLDM / IAU (15%) – gold hedge - BIL / SHV (10%) – cash & liquidity - STIP / TIP (10%) – inflation-protected bonds - SCHD / JEPI (5%) – dividend income buffer That mix keeps upside exposure but cushions geopolitical shocks. Not financial advice, just risk management 101.

DaemonTargaryen2024

VTI + VXUS. + BND depending your age and risk tolerance. Or any comparable fidelity/schwab funds

JawnZ

so should I move from VT and VTI to VXUS?

Fine-Will

Try some VXUS grandpa.

SukottoHyu

Everyone is saying Microsoft, Google, and Amazon.... Look at their long-term growth, they are too similar, and the companies practically mirror each other's long-term goals. My recommendations are: 1. Microsoft, because the world runs on computers and Windows is not going anywhere anytime soon. 2. Fujitsu, because Quantum will make them huge, and they have their grips in everything important to technological expansion including, networking, servers, cybersecurity, and AI. 3. Samsung because they dominate the mobile market and their chips are some of the best in the world which big tech companies heavily rely on. If you are 60% into the US market via VTI, Fujitsu and Samsung give you exposure to the East Asian tech market. Personally, I would ditch VTI and VXUS and run with the S&P 500.

Delicious_Soup_Salad

Sure. 40/40/20 VTI / VXUS / BND I'd move into a shit efficiency apartment within walking distance of a grocery and library, sell my car, and live on 16250 a year. It is enough for market place insurance, rent, rice and beans. SS kicks in and I'm loving large. Until the I read and write at the library and go on camping trips with the boys.

Extreme_Dealer8023

VXUS?

inlined

How much do you keep out? I’m extremely extremely concentrated in tech. It’s obviously done very well for me but I’m thinking I might need to pull 10% out as dry powder, 10% in gold, and 20% in VXUS

Consistent_Laziness

I don’t do that either. I just rebalance buy buying more index funds. My 401k and my wife’s is already buying every two weeks SPY. Usually I get back to the balance I want then I buy more individual stocks when SPY and VXUS get above my target.

TestingLifeThrow1z

VTI or VOO/VXUS mix.

thetreece

This means >20% of your invested assets will be bonds. Do you want that? It's fine if you do. I would skip the individual stocks entirely, as well as gold, and just crank the VTI/VXUS. You already own thousands of dollars worth of AMZN, NVDA, AAPL, and GOOG by owning VTI. What makes you think you should get even more? Why do you think it is currently underpriced? What information do you have that the rest of the market doesn't have? Everybody already expects them to do well, that why the prices are bid as high as they are. In order for single company stock bets to pay off, the company has to perform EVEN BETTER than the market currently thinks it will. https://www.youtube.com/watch?v=RxCqxhRsHiY

5000-Shark-Teeth

Are you me? I do almost the same thing. Most of my money in ETFs (VTI, VXUS, VTV, VIG, VGIT) but I swing trade on the side with gold lol but I use GLDM.

blorg

They're not, they are up, as [ex-US is up significantly more than US](https://stockcharts.com/freecharts/perf.php?VOO,VXUS&p=4&O=011000). US is still 60% by market weight in an all-world index though, so it's not *that* much of a difference. You can see here [Vanguard FTSE All-World](https://www.justetf.com/en/etf-profile.html?isin=IE00B3RBWM25) is up +7.32% YTD in EUR. It will be the same within a decimal place in DKK as the krone is pegged to the euro and the exchange rate barely changes, it was 7.46 Jan 1 and it's 7.47 today (a difference of 0.1%).

bkkmatt

I hold mostly VOO and VXUS. But I’ve been buying low/selling high GLD and it’s been great. Sold it all before the huge loss, and now buying low again. 

emussmell

This is actually a really well-thought-out portfolio 👏 You’ve done a great job blending growth, quality, and international diversification while keeping simplicity and balance. The barbell approach between QQQM and SCHD is smart — it captures momentum without leaning too heavy on tech. RSP also does an underrated job of mitigating top-heavy risk from the S&P 500, so nice call there. If I were to tweak anything, it’d just be small refinements: 1. Consider a small-cap or emerging markets slice (like AVUV or VWO, maybe 5–10%) to capture long-term factor diversification and global growth outside developed markets. 2. Think about tax efficiency and rebalancing frequency. SCHD throws off solid dividends, so if this is in a taxable account, just make sure that aligns with your tax strategy. 3. IDEV is fine, but VXUS or IXUS could give you slightly broader exposure if you ever want emerging markets automatically included. Overall though — simple, diversified, logical, and low-cost. This is the kind of setup most investors would benefit from sticking with for decades. Nicely done

tokin_and_quotin

Looks like a good blend overall imo. The only thing I would mention is an international developed market ETF like IDEV doesn't target emerging markets like China or Taiwan so you're losing some diversification there. Unless that was your intention you might consider weaving in some emerging market ETF like SCHE/VWO or just buying a total international market ETF like VXUS instead.

meathead13_

VXUS or whatever the foreign equivalent on a foreign market is In the event of a US civil war international stocks would likely heavily outperform the S&P 500 then you could buy VOO/VTI low before the end of the war or shortly after before the rebuild begins.

NotTooShahby

I feel exactly this. Been WFH and invest almost everything into VOO + VXUS. I don’t live a lavish life, I don’t even make 300k like FAANG developers, I just buy resturuant food here and there, maybe some nice decorations and that’s it.

Poundcake2RedVelvet

This is why my Roth is all VXUS and VWO

Cracked_Tendies

My 401k is 100% VXUS at this point. Since 2025 valuations are entirely different from those in 2010, we will see an entirely different relative performance of US vs Int'l going forward. And that new performance is heavily in favor of Int'l. So best case for US is to pace Int'l and worst case is US severely underperforms Int'l

Proper_Historian801

VTI, SPY, VOO, are always a good buy, this will not change in the near future. If you aren't satisfied with that boring answer: 1. EXMC - emerging markets ex china has been doing very well recently (I still prefer VXUS but that's me giving up gains for security). The ongoing trade war with China will continue to push more buyers to these markets, the risk here is that a recession could hurt consumption numbers. 2. URA - yes this has already topped, yes it's inflated, but the thing is the nuclear sector is growing and this industry works on long timelines. If your plan is to buy and hold this is a fine long term option. 3. Long/Short ETFs - I don't love actively managed funds, I am a bogle purist, but long/short strategies can increase in value even when the market is bad. I have no solution for how you should figure out which fund manager to put your money behind, but hey it's an option.

Mahmeuver

I’m 39 years old single with no kids, looking to start investing in the stock market. Due to bad spending habits, I have no savings and just started to have a different mindset about money and started to save and invest. My goal is long-term gains: 10 -15 years. I am in a third-world country and I work as a freelancer and I get paid in USD, however, my income in USD is small. I can invest on monthly basis around 150-200$ I started with physical gold and silver. And looking for a portfolio like this: SPLG. 20% SCHG. 20% VXUS. 20% SCHD. 15% ARKK. 5% Gold/silver. 20% With continuous investment with every paycheck based on this income split: Needs. 30% Wants. 20% Invest. 30% Cash. 20% Your advice and opinion are appreciated. Thanks in advance!

skilliard7

You want to diversify a bit into things like international(VXUS), REITs(ie VNQ), bonds (ie BND), etc

Impressive-Bee-5183

Hey, good for you for wanting to get more serious about this. 28 is a great age to start building real wealth. Here's my honest take: First - Stop picking individual stocks for a while I know that's not what you want to hear, but real talk: most people (including pros) can't consistently beat the market. That "researching and going off what others say" approach is gambling, not investing. You've been lucky - but luck runs out. Start with index funds instead This is the boring answer everyone gives because it actually works: Put most of your money in broad market index funds (VTI, VOO, SPY - these track the whole S&P 500) Add some international exposure (VXUS) Maybe a small bond allocation if you want stability (BND) That's literally it Over the last 30 years, the S&P 500 averages like 10% annually. Most active traders don't beat that. Just buy the whole market and let compound interest do the work. The 90/10 rule If you REALLY want to scratch that stock-picking itch (I get it), do this: 90% boring index funds 10% individual stocks you research That way you can still have fun trading without blowing up your retirement. When that 10% goes to zero because you YOLO'd into some Reddit stock, you still have 90% growing steadily. Robinhood is fine, but consider upgrading Robinhood works, but better options: Fidelity - better research tools, actual customer service, no payment for order flow shenanigans Schwab - similar to Fidelity, great interface Vanguard - if you're serious about index investing, this is the OG All three have zero commission trades now. The main advantage is better tools and you're not the product being sold to hedge funds. Tax-advantaged accounts matter WAY more than stock picking This is huge and nobody talks about it enough: Max out your 401k match first - that's literally free money Open a Roth IRA ($7,000/year limit for 2025) - tax-free growth forever Then max traditional 401k if you can ($23,500/year for 2025) Then mess around with taxable brokerage accounts The tax savings will make you way more money than trying to pick the next Tesla. Actually learning this stuff Instead of watching FinTok gurus, check out: "A Simple Path to Wealth" by JL Collins - best beginner book, period "The Intelligent Investor" by Benjamin Graham - if you want to understand actual value investing Bogleheads forum - Reddit but for serious boring investors who actually make money r/Bogleheads here on Reddit Skip the day trading courses and options "masterclasses." They're selling you the dream while they make money off course fees. The honest truth about "knowing what you're doing" Most professional fund managers don't beat the market consistently. Even Warren Buffett recommends index funds for normal people. The secret isn't finding the next GameStop - it's: Starting early (you're doing this ✓) Investing consistently (automate monthly deposits) Keeping fees low (index funds charge like 0.03% vs 1%+ for active funds) Not panic selling when the market drops Time in the market > timing the market What I'd do if I were you today Open a Roth IRA at Fidelity or Schwab Set up automatic monthly contributions ($583/month = $7k/year max) Buy VTI or VOO with every contribution Literally do nothing else Check it once a quarter max In 30 years that'll be worth way more than trying to day trade meme stocks. But you still want to pick stocks... Alright, if you insist, at least do this: Only invest money you can afford to lose Actually read the 10-K and 10-Q filings (financial reports on SEC.gov) Understand what the company actually does and how it makes money Look at P/E ratio, revenue growth, debt levels Ask yourself "would I hold this for 10 years?" If you can't explain the business to someone in 2 minutes or wouldn't hold it for a decade, you're gambling not investing. The fact that you're asking these questions at 28 puts you ahead of like 80% of people. Just don't overcomplicate it - boring index funds will make you way richer than trying to be the next DFV.

EmuFit1895

VOO is always the long-term answer, but with so much uncertainty, gold still seems like a good deal, and the US is vulnerable to chaos, tariffs, etc. In times like this: 60% VOO 20% VXUS (VOO outside US) 20% IAU (gold)

PaleontologistOne919

VTI, QQQ, VXUS. Delete app & use Reddit for p*rn or something. Not financial advice big brother

Specific-Ad9935

Diversify into BNDX, TMF, VXUS

kiwimancy

https://stockcharts.com/freecharts/perf.php?VTI,VXUS&p=5

Random_Name532890

VXUS ?

Siva-Na-Gig

My entire Roth is in VT and VXUS. I have a separate account for playing the Trump shitshow.

helpwithsong2024

I can prove my investments if you want, but it's simple: Buy low cost ETFs, continue to buy them through thick and thin, and never sell. Tickers VOO, VXUS, and BND in a 70/20/10 ratio.

CapeMOGuy

Direct indexing doesn't offer much if any be if it outside the ultra rich. If it were me I'd just get VTI and VXUS in my preferred ratio (it's 60% US, 40% Intl but that's not a recommendation).

Tachiiderp

The only alpha I've come across was probably the r/PLTR sub back when the stock was sub 10 dollars. Lots of news being shared which helps with maintaining conviction. The answer is obvious why it's hard to find useful information: the only purpose of the stock market is to build wealth. Thus, it's in every investor's best interest to sell you their stock. It's basically a competition to who can craft the best Ponzi scheme. Now, of course there are financial metrics that can assess the fiscal health of the companies, but in a bull market the most gains (and losses) are made on hyper growth stocks, where its trailing fiscal metrics doesn't matter as much, and it's all about its future potential. If you don't have the time to dig up research and build your own conviction, stick to an index and read up guides on r/bogleheads. I believe the consensus is to invest in a US market index fund (VOO) and a global market fund without the US (VXUS).

TestingLifeThrow1z

You heard of ARK funds? Sell that and get back into VT/VXUS or VOO.

TestingLifeThrow1z

VXUS

Wealist

Buy more VXUS till the total hits 75/25 again. That keeps your portfolio balanced and your risk steady over time.

TestingLifeThrow1z

How would you diversify a "life savings" account if an "emergency fund" that can pay off 6+ months is already set up and you're a long term investor with lots of windfalls and backing (can take risk) ? Would you buy it all at once or DCA monthly a ballooned cash position slowly into the market or put it in intervals? Exposures to seek include: emerging markets (Europe, South America, South East Asia, East Asian etc), international market, North American market (balance between Canada and the US), tech beyond the big 7, and hedges with oil and resources. I've been talking myself out of going all in on just VOO or QQQ because I'm not feeling those holdings and % allocations. 80/20 VT/VXUS is another idea. Risk I'd like to keep it below -30%.

GaylrdFocker

Typically recommended is VTI/VXUS or just VT. 3 fund portfolio means US, Intl, and bonds. It doesn't mean just picking 3 funds.

TortugaTurtle47

I keep things as simple as I can for me. I'll reevaluate when I'm 40. I keep about 3-4 months of expenses in a HYSA for my emergency fund. About 90% of retirement savings in growth funds like VTI and VXUS (FXAIX and FSKAX in my 401k). The other 10ish% in income (SPYI and QQQI) and bonds (FBND). I started contributing $5 a paycheck and now I'm up to 28% of my salary. I also have an HSA to take advantage of that benefit and I recommend everyone I know to look into it. Anything helps so start as soon as possible, even if it's only $3 a month.

Poundcake2RedVelvet

an EU exchange would be so fkn bullish for the EU my very overweight VXUS position is salivating

Appropriate-Lock3999

SCHD in Roth - my only value fund that gives my Roth some sort of balance (I’ve considered dumping it…) Taxable low risk - I see VTI and VXUS as more diversified funds in both market cap and countries than my Roth funds that are 80% US large cap

Affectionate-Panic-1

I'd consider repositioning into stuff like VTI or VXUS.

malignantz

You aren't a pro if you don't understand the efficient market hypothesis or the different p/e ratios of the different markets. You have to invest significantly more money in US markets to own $100 of profits than in the rest of the world (on average). Everything you say could be true and international investing could still be a good idea, due to the different price to earnings ratios. Maybe the US is 20% better, but requires 40% more dollars invested, so it is a "safer" investment, but has a theoretically worse outcome. Plus, other things could have a huge impact on the success of international investing, like the value of the dollar going down. YTD the dollar is *plummeting,* and this has had a massive impact on $VOO vs $VXUS returns.

ConcentrateOk523

They say you cannot beat the market but the guys on CNBC and other financial channels seem to right when they say buy Mag 7, palentir, and others. I just feel like I missed out with my 80/20 portfolio and owning VTI, VXUS, VBR. This tech stock rally seems to be for real, as they say these companies like Microsoft, Nvidia, Apple have enormous profits.

Ok_Gap_3412

I barely look at the prices these days, my main holdings are VOO and VXUS. Even with the recent market drop, both are still in the green, I just buy more. I do have a couple of individual stocks that I check on more often, but I want to get rid of them, as seeing them in the red affects me too much.

Deep90

Companies in VXUS.

PM_YOUR_LADY_BOOB

Are you a bag holder or something? Why such a stickler for VXUS, it's a terrible ETF. Even the Nikkei 225 has a 300% return in 15 years.

PM_YOUR_LADY_BOOB

In 15 years. That's just barely higher than high yield savings. Still a pretty bad ETF. Over that same time period, SPY, VTI, VT, IVV, & QQQ have significantly outperformed VXUS.

SerpentRoyalty

First of all congrats! Getting paid 100k at age 20 is going to have a major impact in your life. It's great that you're thinking ahead. Everyone may have different advice for you but here's my 2 cents as stocks/crypto investor myself. Diversification is the name of the game! - Max out retirement accounts. As a self employed business owner, you have the opportunity to allocate up to 70,000 per year to a pre-tax 401k account. This should protect most of this income from taxes. Any leftovers you can put in a Roth IRA. - Allocate some funds to broad market ETFs such as VOO. - Allocate funds to non-US global ETFs such as VXUS. - Allocate funds to individual stocks after researching them. If you don't have time, skip this. - Keep some aside in cash for emergencies. - Only invest in BTC/ETH in crypto. If you want more crypto exposure, invest in publicity traded companies like COIN, MSTR, CRCL before putting your money in alt coins. Lastly, don't chase short term profits and make big risks. You have so much time left that even with a 5% annual return rate, your 100k today will be half a million by the time you retire.

BasedBallsInMyFace

Isn’t VXUS the standard

GrandRare1634

It's for a similar reason that I switched from the 3:1 ratio of developed-emerging markets in VXUS and instead do 1:1 with equal parts VEA & VWO. There's big players like China, India, Taiwan, as well as Brazil, South Africa, Mexico - all places with a lot of potential, and at least this year, it appears to be working. Also, if anyone missed it, Vanguard now offers an Emerging Markets ex-China ETF (VEXC) too

Vinyl-addict

Honestly I am in a daytrading phase rn but the profits get funneled into stock positions or an ETF, depending on how liquid I want the cash. Still figuring out what ratio of VXUS I want going on, probably gonna mainly be VXUS until stuff gets better 😅

mmspider

Just invest in VXUS and call it a day.

neonam11

It’s good to diversify, especially when the S&P500 is at all times high. Forty percent of my 401K is in VXUS. At first I thought that was a crazy percentage, but I knew that the Vanguard eggheads know better than me, so I’m letting it ride.

StatisticalMan

The S&P won't fail but there is no guarantee it will always outperform the broader US market (i.e. VTI). Likewise the US could overall underperform foreign markets (i.e. VXUS) especially with dollar weakening. However we aren't going to know except in hindsight. Entirely possible VOO outperforms them all over next 30 years but a way to hedge your bets a bit would be VTI+VXUS instead of VOO.

PalpitationFrosty242

VXUS outperforming SPY by 2x ytd. Only thing holding up SPY are AI companies, so why not just buy QQQ?

UnderstandingDue1549

20% JEPQ or XDTE for income generation. 60% VOO 20% VXUS NFA

__redruM

I would convert to VOO (or VTI), with a small VXUS (10-20%) allocation and SGOV allocated enough for the next few (3-5) years living expenses. That assumes you reached your goal under the 4% rule, but after taxes you likely haven’t. So start thinking about the 4% rule.

foosion

Better to pay the tax than to have such concentrated risk. Go for broad diversification (such as VTI plus VXUS) plus bonds (depending on what's in your IRA). You might spread the trades into next year for lower taxes, but that means more risk than doing it now.

5000-Shark-Teeth

Permanent portfolio. 25% in VTI. 25% in VXUS. 25% in Treasuries (split between short and long term). 25% in Gold.

dvegas2000

We don't know how much you have in each stock nor your overall asset allocations. But with the basics that you have a lot of eggs in NVDA, APL, and Netflix, it makes sense to diversify. Not sure how much of this is in the IRA vs taxable brokerage account. If they are in the IRA, you can just sell some and rebalance. If they are in a taxable account you are going to have some huge LTCG taxes if you sell them all at once. If they are in a taxable account, I'd just sell some depending on your LTCG rate and rebalance into some VOO and an VXUS or something similar.

No_Thanks_3336

VXUS is a good option if you wanna stay invested. If not just go to Cash in high yield savings.

Odd-Flower2744

There’s nothing really unless you want to time the market. A lot of people’s thoughts on this seem to be there’s a pretty big AI bubble but don’t want to time so just invest with less AI. Problem is the S&P500 and that 10% average return has pretty much always been driven by a handful of winners. The winners right now have been AI/tech. If you choose to sit out on what could continue to be the winners your risk is a pretty ugly return. You could go outside the US, like VXUS but if you’ve watched long enough you know if a bubble bursts in the US nothing is immune, everything goes down. Seems people learn this every time with “why is my defensive stock portfolio going down in a bear market”. That’s what they do, just less and making less money while you’re waiting for a pullback too.

hammsfam

Why limit yourself to megacap tech? What do you know about its future earnings that isn't already priced into the market? Just buy VTI/VXUS.

neonam11

If they put a majority of their assets in individual stocks, panic sell and don’t have enough emergency funds, yes they will probably lose money. If they are patient and consistently invest in diversified funds like VOO, VXUS, and BND for decades, and have an emergency fund, and continue to have a job, then they will be fine.

Enough_Fact1857

I am simply DCA into 70% VTI + 20% QQQM + 10% VXUS. Global market has not been doing well in past 15 years but I hold some VXUS because I see some trend of growth in this year, likely due to dollar devaluation. I don't hold cash beyond my emergency fund.

Status-Rule5087

Lmao look at the last 2 times VXUS outpaced VOO. Your masters a retard buddy

xploeris

"All investment entails risk." Treasuries are pretty safe. Or if you're worried about inflation, there's Treasury Inflation-Protected Securities (TIPS). Lower yield but you get some protection if inflation rises more than expected. I like SGOV and STIP respectively. VT will rise and fall with the global market, but it's one of the broadest stock ETFs in existence. Note that it's biased towards US holdings because we have a lot of massive publicly-traded companies; if you want a more balanced mix, add some VXUS or one of the other ex-US international funds. I don't like gold as an asset because it produces nothing and tends to be overbought by doomers and gold bugs IMO, but it's unlikely to fall far, and will probably go up. There's also all the usual recession hedges: utilities, energy, consumer goods, etc. Defense could be a good sector if you think economic/trade wars will lead to increased international aggression, and it tends to be propped up by public spending in any case. Holding cash equivalents makes sense if you think the market's going to downtrend or crash soon. If you think the market will hold steady or go up, better to lump sum now. If you're not sure and want the least possible risk of guessing wrong, DCA.

LurkerFailsLurking

What? VT is +4% over S&P YTD. VXUS is +11%. VGK is up 14%. AAXJ is up 12%. If you don't believe in the US market right now, VT and similar are only barely diversifying out of it.

wentwj

if you bought for long term and you're buying diversified ETFs like VOO/VTI/VXUS/VT etc. then just put it in and honestly forget about it. Check it every couple of months, dollar cost average in or dump in at certain points. Do not look at the chart daily for anything that you're intending on holding for decades or even years from now. Look back to 2020, I panic and sold some of my long term there and turned off my DCA for a time because I was an idiot and was scared. I missed a big leg of that recovery. Some people did the same in April of this year. Your long term holds aren't bets in what the market will look like 14 days from now, it's what the market will look like 14 years from now. I advise a consistent DCA, your investments that come during the low times will be the biggest winners down the line. But don't get worried about a short term blip, markets will always go up and down, even if this turns into a bigger downturn, just keep your long term strategy.

BalerionSanders

I bought VTI and VXUS yesterday lol.

headcrabzombie

for safer long term: 40% VTI, 40% VXUS, and 20% BND (these are all ETFs) https://www.bogleheads.org/wiki/Lazy_portfolios

Seastep

Not OP, but it's probably VXUS or SCHF

OtherJustinian

I'm holding SCWO and BURU long term. probably gonna slowly add more to both while still investing in VTI and VXUS

OtherJustinian

I'm holding SCWO and BURU long term. probably gonna slowly add more to both while still investing in VTI and VXUS

42percentBicycle

Everything did. My VTI and VXUS were in the toilet today too

Individual_Sale_1073

Those ETFs have considerable overlap. It would be much easier simply go with a plain VT portfolio, or a VTI/VXUS portfolio if you wanted to tilt towards/away from USA.

oldmanballsacks81

Bad move. RDDT forums have become so woke and full of liberals that I unsubbed from a ton of forums and only stick to WSB. That much life changing money should be invested into VTI,VXUS and not a meme stock that already ran up 100%

sirporter

Hold some mix of VTI, VXUS, gold, & short term US treasuries if you are really that worried

JamestotheJam

Fun fact - if you bought VXUS in May 2011, your investment would remain static (virtually unchanged - zero gains) through October 2023. Not the best investment.

fec2455

VXUS is still doing better than VTI YTD even with AI tailwinds propping up the domestic market.

pizzaisdelish

Glad I started upping my VXUS contributions vs VTI

PalpitationFrosty242

VXUS

Full_Professor_3403

Here’s a quick gemini summary for why VXUS beat the SP500 in 2017. It looks eerily similar to today, but didn’t indicate any sort of permanent downturn in the US stocks “The primary factors driving international stock performance (and thus VXUS) were: 1. Global Synchronized Economic Growth: • Unlike the previous years following the Global Financial Crisis, 2017 saw a broad-based, synchronized economic recovery across many developed and emerging economies, including Europe and parts of Asia. This stronger fundamental growth outside the U.S. boosted corporate earnings in international markets.  2. More Attractive Valuations (Catch-Up Rally): • Prior to 2017, U.S. stocks had outperformed for several years, making them relatively expensive compared to their international counterparts. As global growth improved, international stocks started to "catch up," as they were trading at much lower valuations (e.g., lower P/E ratios) and had more room for multiple expansion. 3. Weakening U.S. Dollar (Currency Effect): • International stocks are bought in foreign currencies (Euros, Yen, etc.) and then converted back to U.S. dollars for U.S. investors like those holding VXUS. • The U.S. Dollar (USD) weakened against most major world currencies in 2017. When the dollar weakens, the foreign stock gains translate into an even larger gain when converted back into USD. This currency tailwind significantly amplified the returns for U.S. investors in international funds like VXUS.”

Full_Professor_3403

In 2017, VXUS outperformed the SP500 (largely caused by currency like it is today). I’m sure there may be more cases of 9 month gaps if you actually do the research. Reddit investors have a political narrative. I voted against trump but I don’t mix my investments with how I feel politically

RadiantMog

Why just Asia? You can just invest in non-US Many fund managers do ex-US to get non-US exposure since there are some times when US is outperformed by international (such as this year), though US historically has outperformed by a lot For me, I have a good chunk of my portfolio in VXUS, market cap weighted for any companies not based in US, so it’s an easy all-in-one international ETF and you don’t have to play the regional game

reddorickt

VXUS up 50% in 14 years what a dog

shoesshirt

Put 25%-50% in VXUS, the rest VOO or XLG

Environmental-Dot188

mix VTI (75%) and VXUS (25%). VXUS will protect you when the US markets inevitably crash.

Gipaldo

Appreciate all the replies. For those not interested in the Asia or world markets, are you just holding course and ready to buy a correction? For those that have invested abroad, what are you investing in as US alternatives? VXUS seems like the international VTI or similar US ETF, and I'm bullish on VWO for a reasonable amount

Emotional-Power-7242

The small cap stuff is good. You shouldn't sell it now anyway because it's sucked for the last 8 years. You could not buy more if you want but I wouldn't sell what you have. 5 and 8 appear to be the same thing? You do want foreign large cap blend but don't need it in two different funds. So can probably eliminate one of those. Emerging markets is also good. You could simplify 5, 8, and 9 into simply VXUS which contains everything in one fund. I wouldn't bother with an income focused fund, I wouldn't bother with a tech focused fund especially because NASDAQ and S&P500 are already so tech heavy. I wouldn't bother with a previous metals fund. Personally I wouldn't bother with NASDAQ either, just do S&P500, but I know it's done well lately. So yeah for me I'd keep 1,4,6 and combine 5,8,9 into VXUS.

Emotional-Power-7242

VXUS is VOO for everything outside America. Actually put 30-40% in it but yeah VOO and VXUS is all you need. Or just buy VT which is 65% VOO/35% VXUS in one fund.

neonam11

Yea, I used to invest in QQQM, VOO, and SCHD monthly. I am going to take a break from QQQM for a while and use that money for BND and VXUS.

Alex_butler

There’s a sudden lack of VXUS shit talking posts on reddit the last year, wonder why that is?

Gildenstern45

Me too. I sold all my S&P stuff and dove into VXUS when the Orange Man took over. Although I saw it as a risk reduction move, the growth has been very welcome.