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
Cheap, Highly Diversified Funds. Do not sell. VTI + VXUS + VGIT Focus on making more money to shovel into the bucket rather than rearranging what's already in the bucket. That's it. That's the secret.
This reads really weird. Are you a bot? My trading secret: invest in VTI and VXUS.
VXUS, SCHY if you like dividend skew
Huh, TIL that one exists. I'm long VXUS. It looks like VEU is primarily developed markets, VXUS has that plus emerging markets and small caps. So maybe a parallel would be SP500 vs Russell 3000.
VXUS and chill is a real thing
I’m an American, living in America and I’ve done well moving most of my portfolio to VXUS after the post election honeymoon.
VTI+VXUS in a ratio that makes sense taking your other investments into account.
I would only ever recommend a family member have a portfolio of VOO/VTI and VXUS or just VT. As long as they don’t panic sell, that portfolio will grow. You don’t want to be responsible for them losing money if you’re wrong. Even if you make the right picks in this moment, do you want to be responsible for managing their portfolio forever?
Overdiversification is a problem. If the S&P500 falls, diversification stocks (VXUS or XEQT) fall, not the other way around. SP500 is the market leader, not some international stocks.
Overdiversification is a problem. If the S&P500 falls, diversification stocks (VXUS or XEQT) fall, not the other way around. SP500 is the market leader, not some international stocks.
I get that. I also think the US stock market has a lot of cope propping it up right now. Eg; AI hype will save everything, tariffs are just negotiating tactics, institutions will hold, courts will check executive overreach. Investors are still betting this is temporary theatre rather than structural rot. Time will tell if that’s optimism or denial. Meanwhile Non-US ETFs (VXUS/VEU) are Up 32% over the past 12 months. S&P 500 (VOO): Up 18% over the past 12 months. anyone that’s divesting x amount away from US right now for moral/political/ethical or whatever other reason is smart and simply hedging their bets. Let’s not underestimate how much of world is doing this right now. Time will tell. Midterms will tell, If he figures out a way to suspend elections.
You always have to keep in mind that the US is still severely underperforming international stocks. VXUS: Up 30% over the last year, up 3% YTD. VTI: Up 14% over the last year, up 1% YTD. The baseline should not be 0%, with anything above that being considered good. US performance should be compared to the performance of other countries, if we want to determine how successful our current policies are. And of course, insert standard "the stock market is not the economy, job growth is down, inflation is up, etc" disclaimer.
I would second this advice. When I started out, i put most of my shares into many of the Vanguard ETF's, like VTI, VIOG, MGK, VV, smaller amounts into VXUS. Have seen 30%+ returns on a lot of the Vanguard ETF's in the last 5 years. 15% on the low end. As I got a little bit more experience and started reading this sub, put a lil bit into stuff like NVDA, RKLB, UBER, INTC, etc. Another one that has served me well is OMF (about 30% returns there).
If this is long-term money, I’d treat it like a portfolio decision, not a stock pick. VTI already gives you massive diversification across the U.S., so adding more to that is never a bad base. I’d personally make that the core. Then I’d ask: Do I want international exposure? If yes, VXUS makes sense as a complement to VTI. Do I want high-risk / high-reward? That’s where something like ASTS fits — but as a satellite, not the core. A simple structure could look like: 60–70% VTI 20–30% VXUS 5–10% ASTS (or other high-conviction ideas) That way you’re not betting the whole $30k on one outcome, but you still leave room for upside. Also, if you’re worried about timing, you can always DCA the $30k in over a few weeks/months instead of going all in at once.
I agree with you, tread lightly on Reddit.. although it’s not always too late, i looked at ASTS last summer after 150% run up & steered clear, it’s gone up a lot since then. Truly depends if you are a gambler or an investor. Personally, i stick to VTI/VXUS & allocate 10% for speculation. You still have to practice discipline, DD & patience.
1 year: VXUS +33%, VTI +17%. 10 years: VXUS +147%, VTI +302% They are very different. Don't just wave your arms and think this is a minor difference, but also even if you are thinking longterm don't think you are locking in your choice now for 40 years. Decide what you want now, then reevaluate in the future, especially when adding more money to your holdings.
One year which is the timespan the post is referring to... And yes. About 38% VXUS, 4% EUAD, 50% VTI, 8% individual picks. I was 100% domestic and moved a good chunk at the beginning of 2025. My point is not even that the US will do worse, but that mocking people diversifying is an odd thing to do.
I remember when people used to make fun of VXUS and say America would always win…
VXUS, and AVDV/DISV. DISV is better in taxable than AVDV so I place it there.
I'm sorry I didn't remember saying you were a democrat? Honestly I didn't vote this election because I didn't like either of their policies, but I clearly see the guy says things just to warrant getting his way or a response. As I said last night he will not evade greenland he is just talking out his ass. He literally made the announcement this morning he wouldn't evade..now look at the markets? Going back up, everyone freaked out yesterday for no reason. I'm glad I bought, VTI and VXUS end of the day yesterday..Steak dinner on me tonight
Just a guess. I think zero day expiry calls/ puts? Options trading can wipe out portfolios especially with multiple bets on the same thing. I’ve/ we’ve been there before. Sorry for OP but hope it’s a learning experience. Remember to anchor some in VOO/ VXUS as a long term HODL
Why limit it to 1 country? Surely China has proven before that the CCP are happy to burn the economy if they lose power? If you are betting against the US, pick an intl. index. like VXUS.
You do now VXUS is performing better than US stocks, right? If you sold US index funds and bought international you're in a better position than if you kept a general US index.... Insulting them is a nice touch though. Nothing better than an arrogant person who is also wrong.
VXUS has 4% div payouts and outperformed VTI last year. With the continued destruction of the US dollar it makes sense to load up even more VXUS this year
Can’t really tell if this is propaganda or OP is actually serious. You can shift to VXUS if you’re that concerned. Otherwise just buy the dip if you have some extra dry powder. Your only concern should be short term impact on stocks which have correlation with trump/politics. Otherwise if you are invested in index funds, then just calm down.
I've got the Xtracker myself, as Vanguard don't offer a UCITS equivalent to VXUS. I've not had it long enough to really have an opinion. As far as I could find, Xtracker is the closest with a still digestible management cost. I think Amundi might do one too? It doesn't manage as much though, if that matters to you
It should have no effect and if somehow does, Vanguard (and every other major provider) would have to essentially rebalance out of that country. Say they sanction Japan, VXUS would just slowly get out of Japan but still have exposure to the rest of the entire world.
Specifically for ex-Us, I use Vanguard VXUS. Very descriptive name. I also hold VJPU (Japan) and two China ETFs: 3067.hk and 3188.hk
[I wrote about investing in 2025 here.](https://www.reddit.com/r/Bogleheads/comments/1pdlssz/the_latest_morningstar_report_shows_how_to_invest/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button) You are 30. You should be 100% stocks. Period. Buy broad market total index funds/ETFs. My recommendation is 80/20 VTI/VXUS. Those--or funds/ETFs similar to those are really all you need.
I shifted a decent portion of VOO to VXUS, FNDE, EMXC, and SHLD. Around 65% still in large cap US domestic including VOO, while the rest are mainly in vxus followed by the emerging markets fnde and Emxc, and some in SHLD for global defense stocks. This just helps me sleep better at night. Hopefully ride the growth of VOO but still protection from what could happen - dollar decline, defense spending picks up, and the rest of the world potentially growing without us.
Yup. I woke up this morning thinking how do I hedge against the pedophile presidents senile decisions today… only to realize I already have by investing in VT , adding some VXUS a few months back and basically bailing on my US only etfs (outside of tech… they are essentially global companies at this point).
It's always been a good idea in theory to diversify with different countries. In recent history it's been punishing to hold non-US stocks given the US returns, but that hasn't always been the case in every window of time, and it isn't likely to always be the case in the future. It's best not to pay too much attention to the news, even when it seems obviously bad, but some diversification would be good regardless of the headlines. VT is a good option that's around 60% something percent US and 40% non-US stocks. It's equivalent to buying VTI + VXUS, and buying those two separately is also a popular option which gives you a little more flexibility on the ratio and slightly lower expense ratios. VTI is mostly the same thing as VOO, but it includes some small to medium cap stocks, not exclusively large caps, so it's slightly less heavily concentrated in Big Tech, though not by much.
Great post. I invest in VTI and VXUS. My cash sits in SGOV. Moving $7k into VTI tomorrow and $3k into VXUS. Dollar cost average on big dips and moving on. :)
So far in my experience VXUS has been "close" to VTI in terms of performance. So for example today VTI is down 1.97%, and VXUS is down 1.16% Obviously you would do better with VXUS on a day like today but on green days it tends to follow similarly. I haven't felt like my VXUS investment is helping to hedge my VTI investment if that makes sense.
Do you have an emergency fund? If not, I’d start there. The typical recommendation is 3-6 months expenses in something liquid like SGOV. After that, given your age, something simple like VOO + VXUS so you can diversify across the US/international market. If you want boring set and forget investing check out r/bogleheads
What is your justification for 100% VOO, versus splitting it with 20-25% VXUS?
Just VOO and chill it’s 7500, and op is 25. Add the VXUS later to non Roth money.
100% VOO is questionable. I’d do something like a 75/25 split with VXUS.
VXUS is a very solid international ETF. Some additional options to consider: \- VIGI: Vanguard International Dividend Appreciation ETF \- VYMI: Vanguard International High Dividend Yield ETF \- AVDV: Avantis International Small Cap Value ETF
VT doesn't need to audit weights or rebalance because it buys every stock in the entire market at market cap weight. So the weights in VT naturally follow their weight in the market. Say Nvidia is 10% of the global market, you put money in VT, VT would spend 10% of that money on Nvidia. Then the price of Nvidia doubles. It is now 20% of the global market. Because the price of the Nvidia in VT abought also doubled, it naturally is now also 20% of VT without VT needing to rebalance or do anything. If you bought VTI and VXUS at market cap weights you also would never need to rebalance, they would grow or shrink proportionally in your portfolio. You would only need to adjust your contributions to match the cap weights. And VT changes it's contributions to match cap weight every day when it has inflows or outflows. How to view trends is go to anywhere with charts and add both VTI for US and VXUS for international to the chart. This will only allow you to go back to inception of the funds. Some places will let you chart "total US market" and "total international market" as asset classes going back 100 years or more, they do their best to construct the indexes from available historical data even though there wasn't an actual index to track going that far back. I like using Portfolio Visualizer for this sort of thing. Honestly I check US/International cao weights by just seeing what they are in VT. VT is very accurate. But if you wanted you could look at a different index like MSCI World. It'll be the same though.
Here are a few things to consider: Step 1: Define Your Investment Policy (IPS) Before buying anything, answer these questions: \-Time Horizon: When do I need this money? (5, 10, 20+ years) \- Risk Tolerance: Can I stomach a 30% drop without panic selling? \-Goals: Retirement? House down payment? Financial independence? For your first year or two: Simple Three Funds Fund Allocation Purpose Total US Stock (VTI) 60% US market exposure Total International (VXUS) 25% Global diversification Total Bond (BND) 15% Stability Then make your portfolio in your own style, every investor is different. Best of Luck!
Any international ETF is fine. I have SPDW and SCHF. They all perform the exact same. The share prices of SPDW and SCHF are just cheaper than VXUS. That's why I have them.
No. I sold one of my ETF's last Friday that had a solid gain so I could buy a few individual stocks. Would like more growth in my roth. Went with Google, Netflix and TSMC. The rest of my port is split out between Voo, VXUS and FSELX
I have a lot of VXUS as others have mentioned. Actually a big fan of IDVO, gives a good dividend and has outperformed VXUS over the last year.
One additional note to this. Yes S&P is a really good broad index fund. But it is majority based US tech stocks specifically the mag 7. So for even more diversity look into other broader index funds like VTI and VXUS. But yes index funds 100% is the way to go.
Should I be buying VXUS right now…I have no idea how to respond to this insane presser.
I think trying to time the market is not a good idea, but my style is lazy long-term investing. It sounds like that's been your style too, so you probably don't have a good knowledge base to make an informed decision. That being said - are you sure you want to be VOO and chill right now? I increased my VXUS exposure by 10% before Liberation Day and saved myself some pain.
Everyone will say VXUS. This is because VXUS is the right answer.
Are the VXUS holdings priced in their local currency and then the fund shares are converted to dollars? Or are the individual stocks within the fund priced in dollars?
I've been allocating into international stocks and VXUS for reasons like this. It's no secret the US is bad with money.
A lot of these people have been in VXUS for the past decade after Trump got elected the first time and have lost out on an *enormous* amount of money since then. They finally got one year of overperformance due to an artificially created situation by Mango and they start to get cocky.
Hi everyone, I'm 19 and new to investing my own money, but not completely unknowledgeable on the topic. I'm looking to make my first contribution of $7000 for a 2025 Contribution to a new Roth IRA account on Fidelity, and this is going to be my first ever investment. Right now, I'm looking to do a 70, 30 split into a US fund and an international fund, respectively. I had a few questions, though: * Since I am doing it in Fidelity, I have the options for Fidelity mutual funds (FXAIX and FTIHX). What is the interest and difference between investing in these vs doing an ETF like VTI/VOO and VXUS? If I want to switch brokers at any point (for whatever reason, but probably not that likely), is there any downside to just investing in ETFs in Fidelity (fees/costs, transferability, etc)? * Considering the events going on in the world (Greenland, Iran, Syria, etc), is now even a good time to invest, or is it possible the market could go down in a few weeks or so with these events and be a better time to throw my money in? * I could DCA if that helps, but I understand that because I'm young the market will probably bounce back and not matter too much * Is it easier to set up automatic monthly investing with the Mutual Funds or the ETFs? I don't want to have to log in constantly to place trades. * How easy is it to rebalance my 70/30 split or even my investment strategy within a Roth IRA? Would appreciate any help on this. Thank you again!
You can keep it simple and do VT only or do a VOO / VXUS blend.
I like VOO too but I’m planning to buy VXUS on any upcoming dips.
Thanks. I already have 25% of my US investments in index funds focused on international markets (equivalent to VXUS).
Yeah, I know, that's why my decision has always been to keep it at 5%. Thanks for confirming it :) I already have 25% of my US investments in index funds focused on international markets (equivalent to VXUS). I guess it should be okay.
Foreign stocks are cheaper. A good (20%+) allocation of VXUS helps me sleep when US stock valuations are through the roof.
Looking at my investments I apparently prefer the needlessly complicated route of buying VTI/VXUS separately but still approximately mirroring VT.
VXUS and WDEF. Getting the fuck out of US.
You can mix in some VXUS for international exposure and balance as well.
I mean I did I sold off the majority of US stocks and put them in VT and VXUS at the start of last year, I still wanted some exposure to US. And I mean VXUS has done great. VOO still far out performed it which is wild but yeah. But I mean, I can’t be the only one who thinks index funds that don’t include the US makes more sense at the moment. Even if I’m wrong. All it takes is enough people to start dropping us bonds, dollars, index funds, and shifting them to other centers and it can all crash. And honestly if the other markets can capitalize and make it make sense to stay invested in them, which they will have a greater incentive to do, then why would they go back to the US eventually when they finally sort their shit out? It’s not like the stock market is only possible in the US, it’s a global economy.
I'm going VXUS and gold. I don't trust the US market, shit might get real ugly
VT or 75% VTI/25% VXUS. Essentially identical but VT has a 0.06% expense ratio while VTI and VOO have 0.05% and 0.03% respectively. Basically no difference. Pretty sure I read that even if you lump sum invested at an all time high and the stock market crashed right after, if you hold long long term you'll beat out dollar cost averaging because time in the market beats timing the market. Before all that make sure you max out your HSA and IRA contributions for the year ($4400 and $7500 respectively), tax savings are no joke, you can do 100% VT or 75%VTI/25%VXUS in those as well. Max out 401k match before that also
Hi, I am in my early 20s and starting my investing journey. I have recently learned about hedging and wanted to know if someone could give me some recommendations/knowledge! As a beginner, I chose to invest in long-term growth ETFs, such as VOO, VO, and VXUS, mostly sticking within Vanguard ETFs. As such, the holdings are more technology/financials focused. With hedging, wouldn't this mean I should also invest in some ETFs that have more holdings in energy, community services, etc (since those are the smallest percentage of holdings in my current ETFs)? I know theres such a thing as over-compensating with hedging, which could lead to a loss overall. What are your thoughts? Sorry if my vocab isn't the best, I'm trying my best to research all of this without guidance. Thank you!
VXUS is outperforming the S&P for the last 10 months lmao
Don't forget ex-US ETFs like VXUS, VEA, VWO.
I felt that way last February when VXUS was already up 10%, then I sold a bunch of US positions and bought VXUS anyway now my Roth is up 25% for 1Y. gonna hold too bc honestly don't even wanna invest in America currently
It happened before, and all indications point to it happening again. Just look at the outflow of capital from US equities. Compare the last 6 months return between VTI (Total Stock Market Index Fund - 99.4% US) and VXUS (International Stock Index Fund)
my guess is the bonds and the international stocks are boosting yield, and DJIA also has a higher dividend yield than the S&P 500 at about 1.6% vs. 1.1%. international stocks typically pay higher dividends than US stocks. for VXUS vs. VTI, the dividend yield is about 3% vs. 1.1%. what type of bond fund(s)? an aggregate bond fund has a yield in the ~4% range, and yield might be higher from long-term bonds or lower-grade bonds.
Record highs but so is the whole equity market. The past year VXUS did better for the first time in a long time and YTD is ahead again.
Lmfao, the VXUS and VT have over performed vs the S&P500 for the past 5 years and continue to rise faster. Oh and you’re worried about the 0.3% to 0.08% held in Russian assets during that time? Oh noooooooo
Ok, I guess I'll wish you the best of luck divesting away from the US for the foreseeable future. I'll continue to throw money into my VTI + VXUS in regular intervals. Maybe in the future I might think back and say - "hey, sithlord98 was absolutely right for divesting away from the US." Only time will tell
I used [alphadogg.ai](http://alphadogg.ai) to simulate this scenario and here's what it said: As of January 2026, a significant escalation in global trade tensions—characterized by US tariffs rising to \~15% and retaliatory measures—is directly undermining the core drivers of your holdings. Your portfolio is heavily exposed to International Equities (VXUS) and Global Energy (BP), both of which are primary casualties of protectionism. VXUS is suffering from reduced global trade volumes and tariff-imposed cost burdens, effectively ending its role as a 'diversification haven' relative to US stocks. BP is facing a 'precarious' outlook due to demand destruction driving oil prices down (below $70/bbl) and threats to its global supply chain. While VTABX (International Bonds) offers a minor buffer due to stabilizing yields and safe-haven flows, it cannot offset the equity drawdowns. The immediate outlook suggests a sharp volatility period with potential value erosion before any long-term recovery.
I was just digging into this over the weekend. Considering the easy button of just allocating more to VXUS - if you have other recs or research to share I’d be grateful
Tickers? VEU and VXUS? Commodities and metals?
Ok, so a puppet get installed as fed chair. Inflation goes up. What's the play? How do we hedge? Move to gold and materials? Pivot to VXUS? I have a feeling most of the large tech should grow as well, but cash and bonds will get killed.
. 1. If the war in Ukraine is anything to go off, your holdings will get zeroed out. VT and VXUS holders saw their Russian index portion get wiped too. 2. See #1. The part that should concern everyone is this is a real possibility and it already happened recently. 3. I'm going to say probably the same. Ben Felix addressed this very issue [while he was on the Making Money Podcast](https://www.youtube.com/watch?v=ljBchKkFDAY&feature=youtu.be). The short of it is this is a real risk and it's also why folks who put a much higher % allocation to their own home country has benefits we don't think about such as risk of asset appropriation during conflicts.
VTI doesn’t rely on magic. It’s a self-cleaning basket of productive companies that replaces losers with winners, and your 20% VXUS is the perfect hedge if the US faces a lost decade. Over a 41-year horizon, the biggest risk isn't a market plateau, but letting short-term political anxiety pull you out of the world’s most powerful compounding engine.
Short answer: VTI doesn’t need to go up “forever” to work in your favor. What it needs is: - population growth - productivity gains - inflation - reinvested earnings Even long periods of flat or volatile markets historically resolve upward over multi-decade horizons because ownership of productive assets compounds. Every generation has believed their political moment was uniquely unstable — wars, stagflation, debt crises, Cold War, dot-com bust, GFC, pandemics. Markets priced through all of them. The real risk isn’t that growth stops — it’s abandoning a sound plan because of fear during uncertainty. Your 80/20 VTI-VXUS allocation is reasonable, globally diversified, and gives you flexibility. If U.S. growth slows, international exposure helps. If innovation continues, VTI benefits. You don’t need certainty about the future — you need time, discipline, and ownership.
This is what I've been saying (and putting my money) for a year and a half. VXUS is the place to be now.
That's why I have VTI and VXUS
This sub got rekt throughout 2025 time and time again, this is true. It was hilarious seeing comparisons to the fall of the USSR. That said, some of the international markets finally overperformed the U.S. market after years of relative stagnation. Was nice to see VXUS finally wake up.
I use margin with Vanguard's 60(VOOG)/40(VXUS) strategy, outperforming the benchmark by 2–3% last two years net of interest. This model works as long as margin rates stay below market returns and the Fed rate. By capping margin at 40–50% of my portfolio, I boost returns and offset investment taxes with interest expenses, all while maintaining liquidity without having to sell shares.
You're supposed to have a well diversified portfolio that aligns with your risk tolerance and planned retirement date. You can do this with VTI/VXUS/BND, rebalancing yearly. If you have a long ways to retirement, having no BND could make sense, but you'll need the stomach to not sell in a severe downturn. A bond fund will usually provide for less volatility. You can also adjust the ratio of VTI to VXUS but having a decent sized international component is a must if you want diversification. You could also omit the VTI/VXUS and just hold VT which I believe is around 60% US and 40% Ex-US. I am currently 5-10 years from retirement and have roughly 55/25/20 VTI/VXUS/BND and I sleep well at night. I will add to the BND as I get closer to retirement.
"No one cared about the winner you picked" is such a weird statement for a trading sub. I noticed. And I fared much better with VXUS myself. You don't outperform by following what everybody else does.
Yeah I really gotta diversify. I'm thinking VXUS would still be better than DAX though. Outperformed DAX and isn't specific to one country
As soon as Trump was elected, I reallocated all of my passive retirement positions from VTI to VXUS.
Yeah, they're kind of a huge disappointment and pretty much the only reason I never opened an EU brokerage. One way that might help, if you earn in the EU, is via employer sponsored private pension type things. The IRS (sometimes) respects tax advantaged status in retirement accounts, at least in Germany. Funds held in these accounts are shielded from PFICs (and maybe FBAR filing, I think). But this is because they are out of your control, the funds are chosen more or less for us based on a risk profile, and you can't access it until retirement. Not all jobs offer these, and I can't speak for other countries, but if the IRS honors a tax advantaged one country, it's worth investigating. Meanwhile, I've opted to save a bit more in cash in eur in savings, and increase my VXUS position a little. It's still denominated in USD, but it's the next best thing I have access to.
I use VT in some accounts for simplicity, but use a similar strategy for my main accounts. VT has had pretty poor performance compared to say SCHG or QQQ, but I like to compose my own basket with funds like VXUS, SCHG, and others. I haven't considered targeting small-caps with the SP600, thanks for sharing info on that.
VXUS has performed about 5% better than VOO over the past year but if you look at the chart, they really only diverged around mid-December.
But it's objectively true for last year lol. VXUS way outperformed (by double) VTI, it may not continue but it's not "one more year" it's literally "the past year", you were dumb if you invested American vs European/international in the last 12 months.