VXUS

sql1njection

ETFs. VTI for international markets stocks and VXUS for US market stocks

InvestingNerd2020

Yes, but a bit overkill. Recommendation: 64% VOO, 16% VXUS, and 20% SCHD.

Long_Abrocoma_8480

Looks like you’ve got a solid mix with VOO and VXUS for broad exposure, and adding JEPI gives some income flavor. Since you’ve got bonds covered in the 403b, I wonder how you’re thinking about risk as you get closer to retirement—do you plan to tilt more conservative over the next decade?

RipResponsible3866

I'm just finding my footing w investing (just about two years of putting money in) and I've recently solidified a new investment strategy for my portfolio: 80% for growth (64% US - VOO, SPMO, XMMO, AVUV; 16% International - SCHF, VXUS) and 20% primarily for dividends (VRP, SCHD, SPHD). Is this a well-diversified portfolio that'll grow well long-term (30+ years) and pay decent dividends in the medium term (10+ years)?

mx5plus2cones

I use schwab because like fidelity if you have a linked checkibg account, its unlimited free ATMs worldwide. You pay for atm fees up front and they reimburse you back the fees at the end of the both. Super easy check scanning mobile app for mobile deposits and also has zelle so my tenants can pay me easily...and at least for where i live, there's more schwab branches than fidelity. What i dont like about Schwab is their cash sweep function sucks. Cash that you have left in your brokerage account automatically gets "sweeped up" and auto invested. The choices of how it gets invested is pretty lame. Basically very interest 1% or lower. It used to be you can specify their money market funf SWVXX as the default cash sweep, and that pays an almost 4% interest... But you cant anymore. Fidelity and Vanguard allows you to specify the default cash sweep to be their version of the money market fund... Unfortunately, I dont like fidelity (and finally got rid of them)...and vanguard is very very old and clunky... If i didnt have very old Voyager class index funds and didnt have my kods 529k college account in the Vanguard/Nevada plan , I would close that account in a heartbeat too. The remaining 38 accounts are all at Schwab. My parents gave me a small custodial account at Schwab a long time ago to learn how to invest when I was 15-16, so I grew up with Schwab. My kid has a custodal schwab account since they were 10. And now second year in college has a Roth IRA at schwab (I match the money my kid earns working at part time jobs that doesnt get spent with a dollar for dollar contribution to their Roth IRA up to the annual roth IRA contribution... It gets auto invested in VTI and VXUS.)

Lil_Sperm

I’m actually looking to diversify into stocks because I bought a bunch of boring ETFs on March 30 and 31st during a big dip, now this dip at NOC has me interested in diversifying into individual stocks. ETFs have treated me kindly, but I’ve made so much more from the individual shares I bought during that dip than VOO AVUV and VXUS. SMH and SOXX have been another story though…holy smokes. Just dipped my feet in a little RTX, wish me luck! (In case you couldn’t tell I like aerospace and defense stocks founded in Northern Virginia in the 1930s lol)

876General

Want to compare stats and numbers of each performance over the last 5? SPY 71% and VXUS 26%. Lmao laughable that you would even compare the two

876General

Bruv I’m up 55% for Y/Y on 95% US stocks (TSM being my Non-US concentrated position). Almost double VXUS over the same time period. There’s really no comparison to the US at this point, especially over longer time horizons

Open2Lrn

$600 VTI and $400 VXUS tbh

ImTheLizardKing2

Sorry to break it to you but you’re not some genius that is going to be able to find some magic method beat out all the hedge funds and AI algorithms. Just save yourself some time and buy the S&P500 and a little VXUS.

InvisibleEar

VXUS is up more than SPX today?

InjuryEmbarrassed532

They did? Short term anyway, long term garbage like VXUS doesn’t stand a chance. Stocks are an American thing.

Agitated-Lobster-623

Is it worth buying options on VXUS

Dirkredblade

If I could go back in time and re-start with what I know now, I would just do my current allocation- 65% VTI, 25% VXUS, 5% gld, 5% Ibit. Sectors have too many ups and downs, and you have to time them right- QQQQ (simulated) was terrible from 2000-2015- earning 2% cagr. It took 2020-2025 to pump the numbers back up. If you want to try to outperform, I'd recommend the same allocation, but take 10% at most to actively pick stocks/sectors with. S&P 500 has cagr'd 9.4% and averaged 11% since 1871, that beats almost all funds/stocks over a 20 year period. Make this the majority of your funds, then add some VXUS for time periods when EX-USA beats USA equites like 1969-1989 and 2000-2010 (and 2025). As long as those are the bulk of your retirement, everything else is details, and the amount you contribute is the biggest factor.

IllllIIlIllIllllIlll

>I know everyone so going to say VOO/VXUS. Looking for other ideas VT >Goal for the money is to either hold long or use it to buy a medical practice in 5-6 years. Well those are two vastly different goals. If you want to use it in 5 years then just keep it in the money market.

RooLoL

Not purely EM focused but just look at VXUS. Tapped new high after the war.

nostratic

I'll answer in two parts, for the portfolio first and the other questions second. PORTFOLIO Those investments are all OK individually, but combined they're a little odd. VSEQX is a fund that emphasizes mid and small size US companies. It's very good for its type, but seems out of place as the largest position *and* combined with the other options. This would be considered a more aggressive fund, because smaller company stocks are usually more volatile than larger company stocks. VWNAX is the Vanguard Windsor Fund, which is a more conservative fund focused on larger US companies. VXUS is most of the global stock market outside the US. VUG is also larger US companies, but with a different strategy than VWNAX so possibly a good balance. VTI is most of the US stock market, so it overlaps with VSEQX. VWNAX, and VUG. You're holding basically the same stocks in 3 different containers. OTHER ISSUES I don't mean to be insulting but this is all highly vague and not realistic. It seems more like you're dissatisfied with life or bored, rather than having any real goals or ambitions. some time with a therapist or counselor might be a good thing, or with a priest if you're religious. to me, this is more a meaning-of-life question and less a financial question. the amounts of money and investments you describe are probably not adequate to finance your expenses if you wanted to avoid work, especially in a VHCOL area. especially in the EU, where taxes are much higher on investments outside a tax-sheltered retirement plan. buying a home in a VHCOL area may not be realistic on a current combined income of about $160k. that's higher income for some cities, but in most of LA proper it's barely enough to survive. you could liquidate all the investments and cash, and still have a large mortgage on a tiny condo or house in the LA area. This plan might be effective if you could relocate to a smaller, rural area in the US. buy a small house for maybe $300,000, and invest the rest of the assets for income but keep your spending low. there are towns of small but not tiny size (say 20,000 to 50,000 people) where there are enough amenities and infrastructure to have access to stores, medical care, reasonable social services like libraries and police departments, etc. but that would be a very drastic lifestyle change, and your jobs may or may not be portable. >willing to fuck off to Europe with dual citizenship opportunity from what I see on reddit, Europeans are highly pessimistic about Europe. https://www.reddit.com/r/eupersonalfinance/comments/1rmdjke/since_when_was_getting_rich_so_hard_in_eu/ and it's objectively easier to start a small business in the USA than in the EU, if the hospitality/travel business is successful. that's why Europeans with any ambition or entrepreneurial sense are more likely to immigrate to the US.

GameOfThrownaws

Passive indexing is not limited to US companies. You can invest in international, like with VT or VXUS. There is some level of expectation that after quite a while of US domination, it might be international's turn to outperform over the next decade or so anyway. Not that anyone can say that with any certainty, but it's not exactly a ridiculous prediction. International isn't a bad place to be right now.

leaning_on_a_wheel

VXUS

steady_compounder

I think the mistake is going from "future US returns may be lower" to "therefore I should heavily rotate everything." Those are not the same conclusion. Lower expected returns is an argument for diversification, not usually for making a giant macro bet right after getting nervous. If you already own VOO, big tech, VXUS, and are considering some gold, you may be closer to the answer already than you think.

Djent_Reznor1

Continuing as usual. DCA 70% VTI 30% VXUS every month.

Alicyclobacillus

In January I would have said VXUS will outperform VOO due to valuations Given the Iran war however, much of ex-US is facing oil shortages. Their more exposed economically to the consequences of the war. So VOO probably will outperform given what we know now. Things can change on a dime though. Probably diversify globally by cap weighting (VT) is best bet

fzrox

The main issue is not growth, but dollar devaluations imo. We are going to print money like never before because the interest payments is unsustainable. A major reason why VXUS did better was due to forex

yohannanx

Why hold VTI/VXUS and VT?

BackgammonFella

4 etf forever “index” portfolio 20-40% SGOV (100% short term treasuries, may be worth diversifing with municipals if in NY, CA, MN, etc) 20-40% VTI (100% US stock market) 20-40% VXUS (100% international stock market) 10-80% VT (100% world stock market) If indexing, why not fully index the entire equity market?

Hot_Cap4943

You’re actually in a very strong position already, with solid assets, a large cash buffer, and meaningful upside from your business. It’s not necessarily about being more aggressive, but about aligning your portfolio with your goals. If part of your HYSA is earmarked for a home purchase within 1–3 years, holding cash makes sense. But any excess beyond short-term needs could gradually be shifted into broad equity index funds like VTI and VXUS to support long-term growth. At 31 with potential business income growth ahead, your true risk capacity is higher than it may feel today. The key is avoiding excessive cash drag while still maintaining a portfolio you’re comfortable holding through volatility. A simple framework: short-term cash, long-term equities, and your business as the upside driver.

14PESO

You don't believe in US stock market more? I would not be that heavy in VXUS and move more into VTI. But what do I know you have way more money than me lmao Aggression? Look into SPMO, QQQM, SMH, VGT

TreGet234

VXUS still obliterating spy for the last 4 months or so. It did drop more due to oil prices but now also rebounded even faster.

TreGet234

the VXUS outperformance in the last 6 months vs spy is staggering.

__redruM

It’s more political post than manipulation for price. The economy must appear poor going into the midterms. And it’s hard because there’s actual numbers associated with stock prices. So those numbers must be false. And it’s not MAGA reading /r/investing. It’s young investors, who are now buying 100% VXUS and selling their large cap, because some bot on reddit said the US economy was fried. So they’re just hurting other dems. Now both sides are dishonest. When the left used to be honest when it counted.

Economic-Bee-Hoon

VT and VOO have lots of overlap. Suggest you do %VTI (US), %VXUS (international).

Koolaid_Jef

Im 25 and was in the same spot. I lost a lot as soon as the covid bull run ended. When things turned down in I think 2023, I cut losses and dove into weekly investments in VOO, VTI, VXUS, and a little bit of conviction stocks, though those are heavily overlapped already in the funds. I just wanted a little more of certain ones. I forget im investing and its been working great. To be fair, I essentially started it at the beginning of essentially a constant upturn and possible bubble, but if it crashes ill just increase the weekly buys

webster4221

VOO 50-60% VXUS 20-30% AVUV 10-20% I'd split it up between these.

IDrinkSulfuricAcid

S&P500 is necessary as it contains tech leaders that are simply unmatched globally. You don't necessarily need tech ETFs because S&P500 is quite tech heavy as it is. That being said there are periods of US underperformance compared to global indexes. I mean just look at 2025 due to all the political BS. That's another conversation but yeah. Also try to keep in mind currency exchange rates, I know that's a big thing for non-American investors into US based funds. Your US fund may go up but if the dollar loses value it might reduce or even erase your gain in the short term. I think your best bet is to either go with an all world fund like VT or do a mix of SP500 and something like VXUS. For your individual stocks I know this is gonna sound lame but go with blue chips man...I can almost guarantee you that if you invest in something like Apple or Google, you will be in the green in a few years

HlpM3Plz

I did something similar. Put 80% of my $ in VTI/VXUS. Invested the remaining 20% in individual stocks. That way I can try to make extra $ playing my hunches without risking the majority of my nest egg.

kinetic_honda

Only 20? Wow. Use time to your advantage. It's your best friend. Put your money into VT or VTI + VXUS, keep doing that regularly. Ignore noise and do this for decades. Then, profit.

AceMaxAceMax

My Roth is VT, my taxable is VTI/VXUS. Simple as that.

Realistic_Support185

I would keep VXUS as a small position. 5-10% at most. In my opinion, prioritize VOO

FCAlive

I would go heavier VXUS.

Gimme_All_The_Foods

VT for Total World, s fund like VTI for Total US Market, and a fund like VXUS for Total International. If you're looking for one global fund, choose VT.

TemperMe

Who 50/50 VOO & VTI that crazy overlap. Should mix in VXUS or something else. Maybe 80% VOO and 20% VXUS or something

TheHollowHedonist

5% in IBIT, 5% in ETHA, 5% in IAU (GDX if it's a taxable account), 5% in SIVR, 15% in VXUS and 65% in VTI. Tweak it from there. That'll cover your bases since you want to be a little speculative with your crypto.

TemperMe

I prefer to keep about 60% in VTI, 20% in VXUS, 10% in bonds, 5% Bitcoin and Ethereum, 5% individual stock picks

stocdave

You also can’t pick ETFs. I jest but there’s no reason to have VT and VOO. If anything you should have VOO and VXUS (which is pure international)

razehound

Yeah not interchangeable. Ik its wierd but you really should just have it all in VT Or if you like to "diversify", do 60% VTI and 40% VXUS (same thing) 

drew-gen-x

$VXUS just hit a new ATH's on Friday April 17th. My position of $VXUS is up over 9% since March 31st. A 9% gain in 3 weeks seems pretty damn good to me.

_WhatchaDoin_

Except for the war in Iran part, VXUS did better than SPY in the past year. Also, if the $ continues to drop, then it will create tailwind for VXUS.

LemonTeaCool

Investing in VXUS has been by far one of the worst mistake I've done.

Typical_Web_2125

Dude just DCA into VT or VTI or VOO & VXUS (Boglehead style) and you are guaranteed to make money in the long term. Never do single stocks because it is too risky and not diversified.

KAWAWOOKIE

VOO and VXUS and chill, and if you really want pick 10% of your portfolio for sector bets...but be clear this is for your engagement and learning and you're likely to under perform market in the long run with those bets.

BurtonAllen-TA

VT and VSUX have outperformed at points in history, just not recently. These days going all VXUS is kind of dumb from a diversification standpoint because something like 70% of the world's largest companies are based in the US while being massively entwined with the broader global market. VXUS isn't really "diversifying" as much as making a concentrated bet against those companies. VT is the simplest, most diversified holding for you.

Costco_Whoresale

**Newbie Portfolio - Any Thoughts?** Hey all - relatively new to actively investing and wanted to reach out as this sub has been super helpful. For context, I'm 25 y/o with a separate 401(k) and IRA (both Roth), and am trying to diversify with a taxable brokerage account. I've created the below allocation for my portfolio, which I hope to grow, contribute, and hold for the next 30-40 years, along with maxing out my IRA/401(k) Realize that it's pretty tech-weighted, but I'm also hoping to be more aggressive, as I have my Roth accounts working for me separately... Would really love any advice or changes that you guys would recommend, as this is all pretty new to me. Thanks so much in advance VXUS 25% QQQM 15% VXF 15% VHT 10% XLE 5% META 5% NVDA 5% AMZN 5% GOOGL 5% TSM 5% LLY 5%

whamra

VOO, VTI, VXUS. Just 3 examples, but enough for most of the world. Put 80% of your money in them. Never touch them. No selling winners, no buying losers, nothing. You don't touch them. The remaining 20%? I won't be a harsh parent, play there. But only 20%.

oldschoolczar

VTI/VXUS. Pick your ratio. Typically in the past it’s been recommended to do 75/25. These days I’ve seen advisors recommending even 60/40.

SebbyNietz

I just moved from VTI/VXUS to VYM/VYMI yesterday in my retirement accounts. Not a perfect situation, but I'm not comfortable holding MAG7 right this second. VYM's single biggest holding is 6% Broadcom, which I think still mostly benefits from the AI craze as a pick-and-shovel seller. And at least I get some sweet, sweet dividends in the meantime.

mx5plus2cones

Sold my 20 calls of UNH . Sold 50% of my 401k and IRA , about $1.4m almost exclusively camped on in VTI and VXUS yesterday, for the 5th time this year.... Hedging against TACO man to see what happens on Thursday morning. Since TACO man is getting to be pretty consistent at stirring up shit, it almost an exception to long term hold and dont touch. 25.4% ytd for me so far.

Dirkredblade

Good luck, this is literally how my parents turned about 200k in 1998 to about $1 million now. Never sold their losses, but when things looked rocky, kept new contributions in their retirement HYSA equivalent, waiting for the perfect time. I guess they did ok, but if they had just kept that 200k invested in 75% VTI / 25% VXUS they would have $1,850,000- so 185% more. Hartford funds has a study showing if you miss the 10 best days in a 30 YEAR period, you cut your return rate in half and if you manage to miss the 30 best days, you cut your returns by 85%. I'm sure you won't though, you're different and smarter than most investors.

rayquan36

Why's my $VXUS down so much?

Crazy_Donkies

You guys posting this are regarded through and through. It's simple: Either get on board, or buy international tech or VXUS. Good luck.

subfloorthrowaway

Index funds. VTI/VOO for US, VXUS for International. Or VT for both. Absolutely no need to be looking at 20 stocks.

mavprotocol

I’m invested in total US and total world and they have been okay. Just VTI/VXUS and chill and you’ll beat a majority in the long run

HipOut

All you doom and gloomers want to cope meanwhile I’ll keep buying VTI and VXUS and holding six month emergency fund 🤷‍♂️

cdude

Personally i'd go 100% VTI. If you want to diversify into international, split with VXUS. Drop all those dividends and income funds. I wouldn't be holding individual stocks if I wanted a "set and forget" approach but that's your risk to take.

leaning_on_a_wheel

I always invest as much as I can as soon as I can. In your position I would up it to $500/wk until I hit whatever my goal is for the house then stop adding to HYS entirely. Also add VXUS to your portfolio

malakim_angel

i'm buying 1 share of voo every day. will continue until cash is low or i'm at 20% voo in the old port. the rest is VXUS, GDE, and other dumber things.

johnwickcz

Keep contributing to my 70% VOO 30% VXUS portfolio of 700K

Antique-Traveler

But they were discussing it too though? Their suggestion "buy VT or VXUS/VTI" is the solution, no? Past that, it would be diversifying beyond just equities into bonds and other assets. If not, then can you actually suggest something instead of just shooting down every idea? Even if things are changing, what exactly are you suggesting?

IncidentSome4403

Then don’t buy the S&P 500, buy VT or VXUS/VTI.

DigitalSheikh

VXUS, if the dollar collapses its value in USD will explode. 

Emotional-Power-7242

I'd take one of those VOOs and make it VXUS personally but you do you. It's a better strategy than most. Various studies have suggested that rebalancing annually can be more effective than monthly but it's a pretty small difference. Less work though.

EuphoricElderberry73

M2 money supply keeps growing and the US government continues to print nearly $2T in extra debt this year. [https://fred.stlouisfed.org/series/M2SL](https://fred.stlouisfed.org/series/M2SL) Why is anybody surprised at the stock market? I argue non-US stocks are growing FASTER than US ones. See VXUS. [](https://fred.stlouisfed.org/series/M2SL)

InvisibleEar

VXUS is double SPY ytd you dope

jmhfsu

IRA limit for 2025 is $7500 for a 36 year old, so realistically is $625 per month. Any combo of VOO/VTI/VXUS/VWO is going to be fine. In my opinion, your Roth is a great place for growth, so maybe consider VONG. If you’re set on VTI, it’s also fine. You can’t go wrong with this strategy.

unanymous2288

VTI, VXUS, SCHD. Growth, international , dividends ,

heyheyitsandre

26M. Currently I have 8 shares of DIA, 15 SPY, 17 XLK, 16 VXUS. 10k liquid in an emergency HYSA, usually leave about 3-4k liquid in checking. No type of debt of any kind for my fiancee or me. I earn about 85k gross, contribute 8%, company matches 6% and puts discretionary 2% into a Roth 401k as well. I get 100(64) shares every year plus my regular bonus so I get about 4-6k every February, too. I have a personal Roth IRA I haven’t touched in about a decade that I used to put all my money in when I was 16 working part time, about 8k in that last I checked. My fiancee and I are both in fortunate positions family wise where whenever our parents pass we should come into 4+ million dollars. So we won’t really need money by the time we are 60. I know maxing my personal Roth is probably best but I just think I should be trying to be a little more aggressive to maximize my net worth by age 40 or 45, rather than needing to make sure I can retire at 65. Should I be doing anything differently vs just pumping 2-3k into these ETFs whenever my checking acc starts to grow more than I need it to be? Are there any other ETFs I should be looking into? I feel like I tick all the industries with these but might be overlooking something. Also don’t know if there are any medium term bonds or something I’m not considering like that that are targeted to pay off in 20-25 years.

TheBlackBaron

In taxable at least splitting VTI and VXUS allows for some foreign tax credit off VXUS, which VT wouldn't give. Better argument to use it in Roth but I'm a big fan of the Zero funds too so no harm there. Agreed about international though. 60/40 would be best, but at least do 70/30.

heyheyitsandre

Currently I have 8 shares of DIA, 15 SPY, 17 XLK, 16 VXUS. 10k liquid in an emergency HYSA, usually leave about 3-4k liquid in checking. No type of debt of any kind for my fiancee or me. I earn about 85k gross, contribute 8%, company matches 6% and puts discretionary 2% into a Roth 401k as well. I have a personal Roth IRA I haven’t touched in about a decade that I used to put all my money in when I was 16 working part time, about 8k in that last I checked. My fiancee and I are both in fortunate positions family wise where whenever our parents pass we should come into 4+ million dollars. So we won’t really need money by the time we are 60. I know maxing my personal Roth is probably best but I just think I should be trying to be a little more aggressive to maximize my net worth by age 40 or 45, rather than needing to make sure I can retire at 65. Should I be doing anything differently vs just pumping 2-3k into these ETFs whenever my checking acc starts to grow more than I need it to be? Are there any other ETFs I should be looking into? I feel like I tick all the industries with these but might be overlooking something. Also don’t know if there are any medium term bonds or something I’m not considering like that that are targeted to pay off in 20-25 years.

Uniquename34556

Take the advice: The advice I've had is just to use our tax free ISA allowances (£20,000 in each of our names) and sink into some S&P/FTSE vanguard fund. I have also been told that "time in the market beats timing the market" with regards waiting for opportune entry etc. What do the wizards of this thread advise? Not a wizard, maybe a hobbit. Is it as simple as this? Yes Is vanguard the best choice? Yes probably Any tips on risk/diversification? Put like 20% in international markets, a ticker called VXUS. Maybe some exposure to small caps as well. Any pitfalls to be aware of etc? Markets go down markets go up. Don’t panic sell you will regret it. Leave it alone and assess annually as emotion free as possible. Don’t sell for a loss, markets have always returned even if it takes a couple months or even years. Think in decades.

HipOut

You made the right call now dump the Apple and buy some VXUS

drew-gen-x

New ATH's for $VTI (US), $VT (World plus US), and $VXUS (World ex US). Pick your flavor. Just don't be 100% in cash when all the world CB's and governments crank up those money printers to go Brrrrrrr

BetweenCoffeeNSleep

Interesting. I tuned down leverage a bit by selling some SSO (down to my typical 40% allocation) to store gains in VOO and VXUS back in January and put on BX 9/18 130 and 135 strike calls in Feb. When things feel toppy, I generally get out of picked stocks and tune leverage down, but stay fully invested.

drew-gen-x

This is a stock group; but retail shouldn't really be 100% in individual stocks. Think of your portfolio as building a house. You bought $VTI and $VXUS. I would rather time the bottom on those 2 than individual stocks b/c they are acting like the foundation and framework for your whole portfolio going forward.

StregaCagna

Right? I’m only holding a few thousand in cash (aside from my usual savings) on the chance the market falls rapidly after this upswing, but I at least bought enough VTI and VXUS on March 30th to be reaping some decent benefits at the moment. Out of individual stocks until everything calms down a little.

TreGet234

Market up 1% but dxy down 0.5% VXUS up 1.6% 🤡 We are so late cycle it's just not funny anymore. This won't last another year until the depression.

TreGet234

Oh balls. American market is awful as an international investor. Sp500 goes up 1% dxy goes down 0.5%. Underperforming VXUS or europe due to fx.

QuickInvestIQ

The fund you described should have emerging markets. What is the exact symbol? It probably won’t, however, include small caps. You may want to consider allocating some of your portfolio to VXUS. VXUS is the Vanguard Total International Stock Index and encompasses most international stocks. It includes large, mid, and small caps. It’s the most diversified single international ETF available and has over 7,500 international companies included in it.

zkwot

Hi all, I'm 30 living un the US. I make approximately 120k annually. My goal is retirement savings. I won't need the money until I retire and it will sit in the market until then. I don't want it to be super risky and loose it all but I still want a nice rate of return. My current holdings are VOO (about 15k), VTI ( about 5k), VXUS (few hundred dollars). There are no big expenses or debts expected. Do i continue to only put money into VOO or do I add to VXUS? I bought VTI as a kid and didn't know what I was doing. Will not be buying more. Any advice is appreciated. I don't want to sell anything or realize and gains just yet.

TheoryInttro

Dollar cost averaging into a broad index fund until you have somewhere to stand on - trading, investing in individual stocks, and the degenerate gambling on over-leveraged derivatives are for the very knowledgeable trading other people's money for a fee, the very desperate, and the very degenerate gamblers. That said, given how the damn 🥭is trying to tank the dollar value, a world index fund or even VXUS should be part of that index investing. Thing is, index investing takes a while to kick in the compounding effect so it's a slower start than gambling it all on option and either winning big or becoming homeless. But 90% of gamblers lose it all.

dansdansy

Buy VTI and VXUS on a routine and live your life. The rest of us read about this stuff and try to beat the market because it's fun and sometimes profitable.

lilfatpotato

This would make sense if VXUS didn’t rally, but international stocks have also rallied in the past week.

POWRAXE

Your portfolio is a thing of beauty. Very well balanced. Mine is.. less so hah, at the moment I have about 10% of my portfolio in QQQM, and the rest is sitting in VEA. VEA is much like VXUS except it only holds developed markets, no emerging markets. In my opinion, with all that is going on in the world, in the short and medium term emerging markets have the potential to be crushed the hardest, and my VEA position is only temporary until the current administration stops devaluing the dollar. It might also be worth mentioning that I am only 35, so I’m opting to be more aggressive. When the time comes, I’ll likely pile into VOO and more QQQM, I am certainly done holding individual stocks.

InjuryEmbarrassed532

I’ve invested most of my money years ago, mostly VTI. Been rebalancing some into VXUS, but don’t have the stomach to make it a major part yet. I agree with you regarding the Dems…they put identity politics front and center, it’s the reason we have a gangster president now.

livefreeordont

Spy is up 2% YTD vs VXUS up 8%

drew-gen-x

You also have the DXY devaluation trade with $CAT, $DE, and industrials. I kinda screwed myself not realizing $CAT and $DE would go down along w/ $VXUS if the DXY rallied. There are so many correlations that it's easy to find yourself too leveraged in one direction short term.

TheBeckofKevin

Forever holder of soxx. Its grown to a massive percent of total assets. I cant sell. Too much regret from selling previous stuff. Also MU, WDC and so on. I thought the cyclical stuff in tech hardware was crazy undervalued a decade ago. Anything that complex shouldn't be as cheap as it was. My investing mantra is just "there will be more demand for computers in the future." To scratch the buy sell itch i occassionally try to swing trade soxl, never holding for more than like 2 months. The rest of my account is boring stuff to offset the risk of so much semis. RSP, VXUS, JEPQ. Just stuff that tries to be different from how much exposure my account has to big computer hardware companies.

Morning6655

My long term allocations will be: (I am 70% towards that goal and slowly moving there) 20% bonds 20% S&P 500 15% SCHD 33% international (VYMI, SCHY, IDVO and VXUS). This is right now the most under weighted and adding some here every week. 6% O 3% MAIN 3% ARCC I may make some tweaks as we go along but I am pretty happy with this so far. The dividend this portfolio produces is slightly over my annual spend so everything is good.

drew-gen-x

I was planning on ignoring his ignorant, smart ass reply. I didn't even suggest buying $VXUS b/c the question asked was b/w $VT or $VTI. Based on what the original poster asked I suggested $VT. Now yes I do own $VXUS and its my largest position; but I also own $VT and if I am asked which of the 2 I'd recommend b/w $VTI and $VT it's $VT b/c 1, that's what I own ; and 2, if you are just buying 1 ETF why not get exposure to the US & World over just the US?? $VT is over 60% US stocks anyway as you mentioned above.

456M

>The person said "world stocks have outperformed US stocks for over 1 year now". Nope. [Since 1st January 2025, VTI is up 20.05% while VXUS is up 45.45%. That is over 1 year.](https://totalrealreturns.com/n/VXUS,VTI?start=2025-01-01&end=2026-04-14).

456M

>Don't listen to the above, that's not true. Do your own research. [1-Year Total Return - VTI up 31.25%, VXUS up 40.81%](https://totalrealreturns.com/n/VXUS,VTI?start=2025-04-14&end=2026-04-14) >Invest in what you want, but never bet against America. It's a great way to lose money. 63% of VT is allocated just to the US. How exactly is investing in it betting against America?

InclinationCompass

That’s what emergency funds for. You shouldn’t invest or trade that. I have 12 months of emergency fund. Every other dollar goes to VTI/VXUS.