VXUS

dard12

Too much international for me. I prefer closer to 5-10% and VT has like 35%. Buy VOO + VXUS and you can tweak how much exposure you want.

Barbossal

I do it for my international etfs, FCIQ. TO vs VXUS. I don't want to be diversified into all international stocks, just Quality Factor ones

Dapper_Addition_3837

Yes, you should probably fire her and go VT & chill (or VTI + VXUS).Quick math on your situation: * $450k at 1% = $4,500/yr you’re paying * Over 25 years at 7% real return, that 1% drags your end balance by \~$600k–$700k (compounding is brutal) * Your returns = S&P 500 minus 1%, not plus anything * She won’t even help with a 529 → you’re literally paying for nothing you can’t do yourself now You’re young, disciplined, already educated yourself, and have 25+ years. That’s the exact profile that almost never needs a 1% AUM advisor. The only real value left would be behavioral coaching in a big crash, but: 1. You sound level-headed 2. Even if you panic once, one bad move still costs way less than $600k in fees Do this instead: * Move everything to a low-cost brokerage (Vanguard, Fidelity, Schwab) * 90-100% VT (or VTI + VXUS) + tiny cash bucket if you want * Rebalance once a year or let it drift * Set up your own 529s, HSAs, etc. — you already proved you can Keep \~3-6 months expenses in cash/high-yield, then let the rest ride. You’ll sleep fine and be hundreds of thousands richer in retirement.If you ever get to $2M+ and life gets complicated (multiple properties, big tax issues, estate planning, etc.), you can always pay a fee-only CFP hourly or a flat fee ($2k–$5k) for a real plan then.Right now you’re just paying $4,500 a year for autopilot you can set yourself in an afternoon. Pull the plug.

NotEasyBeingGreener

An ETF like VT is going to give you the most diversification. It is roughly 60% VTI which is the total US stock market index and 40% VXUS which is total international. VTI is pretty close exposure to the S&P 500 (VOO) but also includes mid and small cap companies (about 10% by weight) https://www.etfrc.com/funds/overlap.php?f1=VTI&f2=VOO

HaruoPanda

The S&P 500 (not SMP500) is an excellent core choice for long-term investing. With a 20-year horizon, you're positioning yourself well for compound growth. Consider a low-cost index ETF like VOO or SPY. For diversification, you might add: - 10-20% international stocks (VXUS/VEA) - 10-15% in bonds (gradually increasing as you age) Your Bitcoin allocation makes sense as a small speculative position (<5%). Just ensure you understand wallet security and storage. Most important: automate regular contributions regardless of market conditions. Time in the market beats timing the market, especially over 20 years.

dead_voxel

I personally do 80/20 DFUS/DFAX as an alternative to VTI/VXUS. I believe DFUS is superior to VTI because it uses academically-informed flexible implementations like filtering out junky small caps and delaying investing in IPOs (there's a YT video by Ben Felix on this). These strategies should allow it to beat VTI in the long run (and it has so far since its 2021 inception). Similarly, I expect DFAX to beat VXUS in the long run. Outside the US, factor tilts have had superior performance to "vanilla" market cap weighting. This combined with the above-mentioned academically-informed flexible implementation should allow it to beat VXUS long term. After months of researching this topic, I came to the conclusion that this combo works best for me because of its simplicity and the fact that I don't have to worry about winning sectors/countries. Plus, there's a satisfaction in owning a part of 12,000+ companies worldwide.

evangr721

90-100% VT or a VOO and VXUS Blend. Depending on age you may want to get some bonds in there, but it’s not my thing.

KaiserSaladSpinner

100% in VTI is a solid start but I'd probably add some international exposure. SCHF has developed ex-us large cap, but you can just buy VXUS at schwab as well.

Cruian

Despite great recent returns and "growth" in the name, SCHG should not have better expected returns than the market as a whole. In fact, long term has tended to favor the opposite: smaller caps and value. >We are pretty much 100% into VTI in all of our accounts including our Roth IRAs Going global (such as VXUS) can be beneficial to both returns and volatility in the long run. There's plenty of times where market favor is outside the US.

Icy-Butterscotch-206

That’s unfortunate. You know if you go to the casino they’ll give you free drinks while you waste your money. Can’t say the same sitting at home getting wrecked. Remember you can also put 100% of your funds in broad market indexes. Say 80% VTI and 20% VXUS. You will very likely outperform yourself trading options. Good luck

FRNAP13

3/10. I tested your portfolio for the past 5 years and it would have done more or less the same as VGT performance alone. It’s an annualized return of 20%+ which is excellent compare to S&P500 at 15% over the last 10 years. All your performance comes from 2023. If you have one bad year, you go to -40%+. So all is good until it’s not. I would recommend to keep VGT as a significant portion of your portfolio, but diversify. Maybe VOO 50%, VGT 20%, VUG 10%, SPMO 10%, VXUS 10% (?)

HacheimGlobalMedia

Let's tackle SCHY first. The Schwab International Dividend Equity ETF focuses on high-dividend international stocks, currently yielding around three-point-five to four percent. On the surface, this looks attractive for a Roth IRA where dividends grow tax-free. The problem: you're getting paid to own slow-growth, often declining businesses in Europe and Japan. High dividend yields frequently signal lack of growth opportunities—companies that can't reinvest profitably return cash instead. The data on international dividends vs US growth is stark. Over the past fifteen years, the S&P 500 has crushed international developed markets, and most of that outperformance comes from reinvested earnings compounding rather than being paid out. In a Roth where you have decades until retirement, chasing yield sacrifices growth. The four-percent dividend sounds nice until you realize the underlying stocks appreciate two percent annually while the S&P grows ten percent. You're trading long-term wealth for current income you can't even spend yet (since it's in a Roth). Currency risk is another factor. SCHY holds non-US stocks, so you're exposed to dollar strength. If the USD continues strengthening—which it has been—your international holdings underperform purely on currency translation. Some ETFs hedge this, but SCHY doesn't. Timing question: "would you buy at this time or wait?" Valuations on international stocks are cheaper than US stocks, which is the bull case. European and Japanese equities trade at significant discounts to historical norms. But they've been "cheap" for a decade for good reasons—structural growth challenges, aging demographics, regulatory burdens. My take: if you want international exposure (reasonable for diversification), skip the dividend focus and buy a broad international index like VXUS or IXUS. You'll get the valuation discount without overweighting low-growth dividend payers. In a Roth, prioritize growth. Save dividend strategies for taxable accounts where qualified dividends get preferential tax treatment. Now, STCE (Bitwise Bitcoin and Ethereum ETF). This is a crypto basket that's inherently speculative. Your rationale about Bitcoin's halving in 2027 (or 2028—the schedule is approximately every four years, with the last one in April 2024) is a common narrative. The theory: reduced new supply after halving creates scarcity, driving price appreciation. Historical halvings have preceded bull runs, but correlation isn't causation, and past performance especially doesn't predict future crypto returns. The volatility point is key—STCE is explicitly for investors who can tolerate wild swings. Crypto routinely drops fifty to seventy percent in bear markets. In a Roth IRA, this is a disaster if you're forced to sell during a drawdown, because you can't reinvest losses across multiple years to harvest them. The opportunity cost of a multi-year crypto winter (like 2022-2023) is enormous when you could be compounding in traditional assets. Here's the uncomfortable truth: Bitcoin might go to zero. It also might go to five hundred thousand. Nobody knows. Proponents argue it's digital gold, a store of value, inflation hedge. Critics point out it's failed every one of those tests—it crashed in 2022 alongside tech stocks (opposite of what a hedge should do), and "inflation hedge" arguments died when BTC tanked while CPI surged. STCE is diversified across Bitcoin and Ethereum, which is slightly better than single-coin exposure. But correlation between major cryptos is near-perfect in crashes—they all fall together. The "diversification" benefit claimed for crypto portfolios is mostly marketing. When Bitcoin drops thirty percent, Ethereum drops thirty-five percent. Practical allocation: if you're convinced crypto has a place in your portfolio, cap it at five percent of your Roth. This allows upside participation if you're right while preventing catastrophic losses if you're wrong. The disciplined approach is to rebalance—if crypto runs to ten percent of your portfolio, trim and lock in gains. Most crypto investors ride winners up and back down, which destroys returns. Timing crypto around halvings is like timing the stock market—theoretically possible, practically unreliable. The 2024 halving was already priced in by the time it happened. By 2027, the same will be true. Efficient market hypothesis suggests that predictable, widely-known events don't create alpha opportunities because everyone front-runs them. Alternative consideration: if you want tech upside with less volatility, companies like MicroStrategy or Coinbase offer crypto exposure through equities with some underlying business operations. They're still wildly volatile but have revenue streams beyond pure crypto speculation. Final answer: I wouldn't buy SCHY in a Roth—wrong strategy for the account type. I'd consider a small STCE position (under five percent) if you have genuine conviction and can ignore it for five-plus years without panic-selling in the next crash. Neither should be core holdings. For retirement accounts, boring index funds compound reliably; speculation belongs in taxable accounts where losses are at least deductible. If you're looking for data-driven portfolio construction strategies that balance risk and growth, our newsletter breaks down asset allocation research that actually works over multi-decade timeframes.

sortahere5

There is a whole world in-between the two extremes. My shifts to GLD, SLV, VXUS and VPL beginning in Feb has been very, very rewarding as I watched Tariff and uncertainty mess with the system as it tries to understand where it really should be. Ive been slowly pulling out of SLV and will probably start slowly withdrawing GLD now. Im not trading daily but I'm also not investing in US markets until I see what happens with AI and the economy. I did way better than US etfs so i can afford to stay on the sidelines for quite awhile.

Aevaris_

For me, BRK is my medium sized downturn hedge. I am planning a 1 year expenses cash + 25% VXUS + 45% VTI + 15% BNDW + 15% BRKB. The premise is that BRKB will buy companies if we see a moderate-to-significant recession as well as market sentiment will flip faster than I can react, driving dollars from tech to 'safe havens' like BRK and SCHD purely on sentiment. Yes BRK will drop too, but the combo of market sentiment and their generally safer assets and their value philosophy make it my medium-recession hedge. 1 year cash + 15% world bonds is my severe recession hedge. No, it wont outlast a 10-30 year recession, but between cutting expenses, willingness to sell some assets at a loss, and likelihood of another 30 year recession, I'm ok with that. This also turns into roughly 60/40 US/international exposure and a 85/15 equity to bond ratio which are reasonable ratios to hedge against various other factors.

Adventurous_Elk_4039

\>*Do you have any SMALL amount of extremely high risk companies/stocks? Like 1-3% of your portfolio?* I dabbled in the past and had some employer stock as well, but at the moment no, and I have no particularly strong feelings about any individual companies. That said, 1-3% is perfectly reasonable to play around with if you want to experiment. \>*any chance you could give me an almost exact estimate if your portfolio? Like what % you have invested in each fund / index, etc.?* As I said in my post, I am 75/25 on FSKAX/FTIHX. This gives me essentially total world coverage with a home country (US) tilt. If you prefer ETFs, you could do VTI/VXUS to achieve similar. Or if you want to keep things extremely simple, you could just invest in 100% VT which is the full world at market cap rates. This essentially makes you the market. You won't outperform it, but you won't underperform it either.

aew2019

VXUS going to the fucking moon today.

adhdt5676

Time in the market is better than timing the market. If you want to diversify, increase your contributions to VOO or invest in VT, VTI/VXUS for some international tilt.

ConcentrateOk523

Problem is owning international from 2009-present. I bought VXUS back in 2001 and compared to VTI it has barely grown.

Gimme_All_The_Foods

Why are you not investing the 100k? It doesn't matter where it came from. Money is fungible and it's now part of your portfolio. Deploy it into an asset allocation that works for you. I recommend global stock market exposure via broad based index funds so either an ETF like VT that tracks it already, or manually via funds like VTI and VXUS. If you don't want global investing, at least pick an intentional allocation between 30-50%. If you're worried about that much exposure in the markets, which sounds like you are, it's a great idea to have some fixed income too. An 80/20 split might serve you well. A nice rule of thumb is to only put money in equities that you won't touch for at least 5 years, and an amount that if it were to drop 50% in value, you wouldn't panic sell. It's hard to know what your temperament would be if you haven't experienced a noticeable crash before, but do the best you can. Investor know thyself.

Seekingxretinas

This is exactly what I currently do with a quarter of VOO in VXUS

thesunriseking

Not a VTI/VXUS/BND and chill guy with all dividends set to reinvest?

DuckLIT122000

Depends on how much risk you want to take on. You can't really go wrong with long term holding VOO/VTI, or if you want international exposure, some combo of VOO + VXUS/VEU or just VT

Czech_Thy_Privilege

No worries! Me saying that $VT holds $VTI and $VXUS is a very simple way of looking at it. $VT has holdings in companies that can be found in the holdings of both $VTI and $VXUS. You can go on Vanguard’s website to see which ETFs hold which companies. You’ll want to scroll down to “Weighted Exposures” and “Holding Details” to see what I mean. Here’s the one for $VT. The Markets display for $VT shows 63.10% of the fund’s holdings are investments in companies in the US, which means 36.90% of the fund’s holdings are outside the US. The reason I mention this because Bogleheads (a sub I recommend checking out) generally advises people to put 65% of their investments into $VTI and 35% into $VXUS, as this is roughly the same composition of what makes up $VT. I don’t want to deal with rebalancing, so I just buy $VT lol. And you’re correct about everything else. The only thing I would double check is selling your holdings in $MSFT and whatnot just because of taxes. It’s not a big deal. Just a tedious pain in the ass more than anything lol, but you want to make sure you’re going about it correctly. And I fucking feel you on the buying a house part. You’ll be happy to know that you can withdraw up to $10,000 from your Roth IRA for a first-time home purchase. It’s not much in the grand scheme of things, but it helps! I haven’t done this myself so when the time comes to purchasing a home, you’ll want to work with a financial advisor or someone who can help you navigate that part to make sure you don’t get hit with any withdrawal penalties.

mucisian

I’m roughly 85/15 US/int’l with US growth tilts. Mostly ETFs and mutual fund combos (VOO mostly with 15%ish VXUS) with a few individual stocks. I also bought a small chunk of FBTC for funsies recently haha

Czech_Thy_Privilege

Look into setting up a Roth IRA. It’s a tax advantage retirement account where future withdrawals are tax-free as long as you’re older than 59.5 years old and the account has been active for at least 5 years. There are some caveats where there’s an annual limit on how much you can contribute per year and you cannot make contributions to a Roth IRA if your annual income is above a certain amount. You can withdraw contributions without any penalties, but you cannot put those contributions back. It’s generally advised to max it out/contribute to it after you’ve maxed out your employer-matched 401k contributions (if any). Regarding your investments, this is a good start. However, $VOO is an ETF (basically an index fund) that has holdings in $AMZN, $NVDA, $MSFT and other well known companies. I would recommend just holding an ETF since it handles diversification for you. The only thing with selling the shares you already have and moving the proceeds into $VOO or another ETF is that you may have to pay taxes from exiting your position. I also noticed you have $VXUS. The reason I mention this is because I primarily throw money into $VT, which is basically made up of $VXUS and $VTI and is about as diversified as you can get. The reason I like $VT is because of it hits $0, I’ve got bigger problems to worry about than my retirement lol. It’s my personal preference, but it’s totally up to you. Also, don’t fuck with trading options. Or at least not yet. You can make money from them, but they’re incredibly complex and you can (and probably will) lose a ton of money by trading them. It’s best to trade options in a “fun” account that you fund after you fund your 401k, Roth IRA, and savings account. I recommend checking out “Benjamin” and “InTheMoney” on YouTube if you want some good videos on how options work. I’d link them, but I think the automod doesn’t like YouTube links. Bottom line, getting started with investing at 19 is an excellent move! Your future self will thank you for getting started early. I highly recommend reading articles on Investopedia. It’s an excellent resource and has information on all things finance, not just investing.

advantage_player

VXUS holders are now beating NVDA YTD

JoshuaSuhaimi

might go SCHB+SCHF which is basically VTI+VXUS with lower ER but yeah that's probably a better idea than more S&P500 for me

Past-Coach1132

VXUS is up over 20% in the last year. The SP500 is only up 12%. I feel like that is relevant. 

CapeMOGuy

As a general rule it's a losing proposition to try to time the market. You have to be right at least two times for every instance you use timing, when selling *and* when re-buying. There's nothing wrong with using a total US fund like VTI paired with a total Intl fund like VXUS to create a custom allocation. Personally I'm 60% US and 40% International with the equity part of my portfolio.

CapeMOGuy

VT is an index fund which is weighted for market capitalization. It truly is the world stock market. A couple years ago VT was almost 70% US. International markets have done better than the US for the last year and brought the % in US down. If you wish to have a different allocation than VT you could use VTI (US total) and VXUS (Intl total). Personally I use VTI and VXUS and am 60% US and 40% Intl. Overweight US by a couple percent.

draftdaydrew

You’re right about the last year. But if someone builds a whole narrative off the one timeframe where VXUS looks good.. they’re probably pretty clueless. Zoom out and the picture changes pretty fast

Barmacist

Voo and chill but... some VXUS and chill.

greenpride32

It isn't just about past performance - it is about what constitutes both indices. The top weights of SP500 are dominated by high growth companies - the ones that tend to move the indices up. The top weights of VXUS are majority mature companies. You have a company such as Nestle as top weight. Nestle is a great company and would have returned you a small ransom over decades of time. But they are no longer a company that can carry an index. Then you have some banks, big pharma etc - nice returns, but mature and not outsized returns. So my analysis is way beyond simple surface layer. AZN, SAP and NVS aren't outpacing NVDA MSFT AMZN GOOGL META BRKa/b NFLX. VXUS only has TSM as a top weight outsized return.

HugeResearcher3500

I was not in VXUS until the tariffs started. I think there's still room for it to outperform given market worries in the US, and while a certain international relations kamikaze is in office. Even after he croaks, I think international relations are broken for a while, leading countries to do more business ex-US.

ConcentrateOk523

Last 6 months international underperforming as usual. I would have thought VXUS would be up 40 percent for the year. It will never make up for all the money I could have had just owning VTI.

ConcentrateOk523

More VTI. VTI carries the whole portfolio. Today VTI up 1 percent and VXUS and BND doing their usual nothing.

Fangore

When you tell the VXUS people that you prefer VOO: It has better returns than VXUS, sure. But past performance doesn't predict future results. Those same people: VXUS has has better returns if you look at the past year, so I'm going to do that since I want higher returns overall.

greenpride32

Very selective timeframe though - look at 5/15/20/25/30 year charts. Spoiler - 5 years VXUS is 25% while SP500 is 80%.

peacemi11ion

VXUS go brr

BalerionSanders

Nothing quiet about VXUS vs VTI ytd % 🤷‍♂️

Own-Character395

You should invest in both. There's no good answer for how much in the US versus Canada. Lots of people would do something like 50% VTI, 30% XIC and 20% VXUS. Others might be 50% XIC, 40% VTI, 10% VXUS. You will probably change your mind about the allocation over time. A good way to handle that is hold whatever you already have and only change you mind for new money you're investing - to avoid excessive trading. Keep enough money in cash to cover six months of your expenses.

Cracked_Tendies

Actually i bought into SPY at $488 back in april and now i'm 100% VXUS. Up 35% YTD

Sagelllini

I'm 68, retired for 13 years. Definitely option 2. [Here ](https://docs.google.com/spreadsheets/d/1WQphWoaXtoleI_fhhHXIDWS9xm6rSB8qLWv1dVH7y1A/edit?gid=0#gid=0)is my Google Sheets toy to help plan retirement. Sounds like what you need from your investments is a pretty low percentage. Stock funds like VTI or VXUS will have annual distributions in the 1.25 to 1.5% range. That covers about 40% of your withdrawals if you target 4%. So, even in the 50% drop (yes, 2008 to 2009, although the market rebounded to about 20% down by the end of 2009) scenario, AT MOST you are touching (in a year) 5% of your portfolio, leaving the other 95% untouched. IMO, more money has been lost trying to counteract future potential negative events than ever cost by the negative events themselves. If your withdrawal rate is low, you have virtually no longevity risk. What that means is you should withdraw more and enjoy the money when you are healthy to do so.

jacobf33

That is a really good point, it is in a taxable account, so I will try to rebalance through contributions. What if international goes crazy and VXUS ends up being 30-40%, for example? Should I sell to rebalance? Or just not add to it until balance is regained?

Cracked_Tendies

Buffett and Bogle were both incredibly stupid for suggesting that idea. I guess they thought "well thats diversified enough" and called it a day. However based on current US vs ex-US valuations, the US could easily go on to have a lost decade and VXUS return 10-12% for the next decade

Cruian

What about VTI + VXUS in a 60 or 65 to 40 or 35 ratio?

AlgoTradingQuant

Well the two most well known and wealthy investors (Warren Buffett and Jack Bogle) didn’t allocate or believe in non US allocations. If people do add a slight International tilt (e.g. VXUS), it’s usually minor and honestly makes little to no difference.

PrincipleFlimsy3200

If it makes you feel any better I listened to Reddit and didn’t sell my unrealized 500k gains on GME then proceeded to get blocked from selling and then watched that shit drop all the way back to where I started the following morning. I wish I listened to my wife that was standing right there telling me to sell lol. It sucks but your life isn’t over. It will be ok I promise. I learned from the stupid meme shit and now solely invest in VTI and VXUS and don’t fuck around anymore.

Cracked_Tendies

You know, I worried about this too. And then I realized that there's a convenient work around. What causes extended downturns are high starting valuations and it's primarily just the US market which has experienced a high surge in valuations since the GFC. In contrast, ex-US equities have had the opposite effect So my convenient work around is to just go 100% VXUS in my 401k until the US market looks more slightly attractive. Also have taken on US and int'l small-cap value funds. And finally, a heavy allocation to emerging markets in particular the philippines. So I've got my popcorn ready and sleep very peacefully at night knowing I've got much less downside potential than all these "VOO & chill bros" we see

MaybeTheDoctor

Likely unless he suddenly reverses all the tariffs and makes deals with Canada/mexico … if you believe this trend to continue then VXUS may be better than VT

Emotional-Power-7242

VT is over 60% US because the US market is over 60% of the entire world market by cap weight. If the US market drops and becomes only 40% of the world market then VT will be only 40% US. Holding everything at cap weight is the most neutral thing to do, it means you will reap the average returns of the entire world market. It doesn't make sense to customize because then you're making active decisions. You can say "I'll hold only 20% VXUS because the US market is the best and will always be the best". Or you'll say "I'll hold 80% VXUS because the US empire is collapsing". This is you trying to beat the market. And statically speaking when you try to beat the market you will instead underperform the market. So just hold cap weight, get the average return of the market, make no decisions, get rich and sleep easy.

Relevant-Client-9853

On that note, why do people recommend VXUS over VEA or VEU?

Relevant-Client-9853

Isn’t VT over 60% US? Wouldn’t it make sense to customize by doing VOO and my desired VXUS percentage?

Emotional-Power-7242

VT is VOO+VXUS (or more accurarely it's VTI + VXUS). VXUS is VEA+VWO. VEU doesnt have small caps, so it's like VOO and VXUS is like VTI. To be the most diversified in the simplest way, just buy VT.

inthehill

VXUS zero overlap with VOO VT is 89.5% overlap with VOO Have a look at etfinsider to see what I'm seeing.

Parking-Young-3314

Please OP. I also lost 500k in total in last 6 years hodling penny stocks, trading stocks, trading options, day-trading. Please for the sake of god. Do not trade again! I learned over and over again that broad market ETFs are the way to to. Depost rest of your money and future earnings into VOO, VTI, VXUS or something! Save yourself!!!

Emotional-Power-7242

Yeah even better. Unless it's in a taxable account as VT doesn't qualify for the foreign tax credit, making the VOO/VXUS more tax efficient.

SecondSt4ge

Voo and VXUS or just buy VT. You could do just VT and when there’s dips in QQQ buy that or QQQM. Vanguard total stock (VT) has a mix of US stocks and some international stocks like Taiwan semiconductor.

peacemi11ion

Adding to VXUS and BND

peacemi11ion

VTI/VXUS/BND and chill

Radiant-Ad-9753

There's two popular combos with the vanilla club VXUS+VTI Or just VT VTI covers the total US, VXUS is outside the US (there's something about a tax deduction in brokerage accounts, never looked into it) It's usually done as a 70/30 combo I'm in the 100% VT camp. One and done VT covers the S&P 500 (you can look at their page, their top holdings are heavy into it) but it covers the FTSE Global All Cap Index. You are getting 37% of your allocation outside of the US with that ticker. There's no wrong way to do it.

Spirited_Suspect2908

You could invest elsewhere. Maybe I don't know what I'm doing, maybe it will come back to bite me. But I took almost all of my 401k/IRA out of the US and put it in VXUS and adjusted my contributions going forward and I'm beating the US market for now by a lot... I'm a middle class nobody. But I'm not the only one who's divested to some degree pretty much exclusively because of the insanity mentioned above. Capital flight and intellectual flight are real. And other world powers are not going to squander this opportunity to fill in the vacuum and seek diplomatic and economic relations with others which in my eyes provides huge upside potential with no greater risk than the US market at this time. I'll add I've spent nearly two years of my life living and working outside the united states. Not on vacation. One thing we NOW have in common with the developing world is rampant corruption and instability. But what we don't have that they do is this: An incredibly hard working intelligent population who is hungry to grow and honestly is willing to work way way way harder than we are. Only time will tell. And I'll rebalance at some point back in to the US. But I have a home and that's enough investment in the US for me for the foreseeable future.

CanYouPleaseChill

Why are you holding a stock that you know is clearly overvalued? Sell it and buy something reasonably priced like VXUS.

EliteAsFuk

Honestly, it's really hard to say. I think it's totally possible VXUS and the like have a good decade while the SP limps along. But I also wouldn't bet against the US market in general.

Emotional-Power-7242

If you're only going to have two ETFs and one is VOO the other one should be VXUS.

Tasty-Area-7507

I invest biweekly 250$ and this is my split. Should I change anything. I am only interested in long term investing GLD: 25$ SCHD: 25$ VOO: 25$ VWO: 25& VTI: 100$ VXUS: 50$ I want to have a more diversified portfolio just not sure how to do that. I usually lean more towards tech stocks but want to also get into green energy and bonds.

Brockooly

Yes I buy the same 3 stocks every 2 weeks, currently holding VT, QQQM, AMZN and then my traditional IRA is VOO and VXUS, if I could add more I’d DCA GOOG into my portfolio as well. I choose Amazon because i feel the stock is still undervalued so I felt more comfortable throwing more money at AMZN than GOOG when I started

maneil99

You can’t fully, also just because VXUS is down same as SP500 today doesn’t mean it correlates fully. Use a tool to compare VXUS with VOO and you’ll see for correlation

caliwillbemine

I mean. It’s better to have that diversification than not imo. Also my word is not gospel. VXUS has been awesome this year, but trying to find anything actually not correlated with SP500 these days is so hard.

LemonTeaCool

Ahh okay, I have about 30% on VXUS for more diversification. My thought was if US market goes down, then at least the international market will help soften in. Seems like that's not the case

LemonTeaCool

Oh okay, that makes sense. So how do I diversify where US influence doesn't affect other markets? Cuz the whole point of why I have bought VXUS was to diversify from US market.

LemonTeaCool

New to investing. But why is VXUS down? It has nothing to do with US market yet they're down.

retiringfund

what is the equivalent to VXUS?

Funtasmcus

VTI - Every US publicly traded company. Performs similarly to VOO/SPY but with lower deviation and less severe drawdowns. More diverse. Each of the Mag 7 makes up slightly less of VTI total holdings. VXUS - like VTI but for non-US stocks. While US has outperformed in recent years, there are cycles where non-US outperforms. Also, as the USD loses value against other currencies, it's a tailwind to VXUS. You might choose a bond fund that suits you (long, short, mixed, treasuries, munis corp, whatever), or a stock ETF to "tilt" your very diverse portfolio containing VTI and VXUS toward smaller cap or value or small cap value.

Appropriate-Pound-25

I’m 60% VTI, 20% VXUS and 20% split between MSFT, AMZN and GOOG

SirGlass

The bogleheads sub is weird because I expected to be bogleheads arguing over VOO vs VTI Should you add VXUS and how much , when should you add bonds and how much but all those arguments have been argued over and over for the past 20 years However a lot of the discussion is people asking bogleheads what they think of your plan of doing some very non-bogle heads things what is strange , its like asking the vegan sub if your plan to sear a steak is good? Like "Hey I know bogle heads say do not time the market but I think AI is in a bubble and my plan is go to cash then DCA back in over the next 2 years" Like why ask if you know what the boglehead answer will be?

admax3000

It's kinda diversified with 500 stocks. but you might want to add VTI (for total market) and VXUS (for international exposure).

Datmiddy

Do they sell covered calls on it? I specifically bought a bunch of MSTR just to sell CCs for income. Made my mortgage "free" every month. I turn around and put the same dollar value in QQQM and VXUS. Yeah MSTR has crashed, but my cost basis now is effectively in the low $100s, so *shrug*

Frozen-Rain

I think your better off buying VXUS and getting some international exposure. If you want to reduce exposure to the MAG7

amoorefan2

What’s the bump on VXUS this evening?

morbidgames

lol my buy and hold portfolio is down across the board: || || |FBTC| |VNQ| |VNQI| |VTI| |VXUS|

ultramatt1

Could also throw into internationals AVDE or VXUS are two recs

MorrisonLevi

I would hardly even call it a correction. Look at [VTI and VXUS year-to-date](https://testfol.io/?s=d73ZYbbQQTO), which represent the US and World-Except-US respectively. They are up 13.90% and 27.71% respectively. Just looks like a little sawtooth correction that lasts slightly longer than normal. Sheesh. Yes, I know certain economic indicators are bad but... I feel like they've been bad my whole life so... 🤷

SmoothElk3336

Are you saying I should sell VOOG or just add VXUS,

ThePoeticVoyage

VTI already holds the entire US market. If you add anything to it then it should be VXUS for international.

dynamo_hub

VTI and VXUS.... Basically every stock 

be_like_bill

What you're saying is better achieved through factor investing. Basically, you keep VOO/VTI as a major portion of your stock investments, and then add tilts like value, dividends, small cap, sectors like real estate, etc. So you can have something like 50% VTI, 20% VXUS, 10% VTV/SCHD, 10%VB/VBR, 10% VNQ, etc. That way you still get some gains from growth/overall market, but tilt your investments to be less top heavy.

Brockooly

VT, and if you are not afraid of AI then VOO and VXUS 90/10 split or determine what ratio you would want of those two

shawman123

if you already have a big VOO position, consider international ETF. While international has underperformed overall, this year has been stronger than S&P and I feel there is still ways to go. VXUS is the ETF.

arctick_nomad

I personally think that a port of VOO VXUS and maybe bonds if you wanna be real safe is all you really need. Sure it may struggle at times but overall it’s usually better to work smarter not harder. Or trust others with your money.

Beitasitmaybe

I also recommend VTI VXUS BND + GLD + FBTC + BRKB and if feeling conservative, SCHD

CapeMOGuy

How long before you need the $300k/year? There is no reason to focus on dividends. Back in the days when there were commissions on stock purchases and sales it could have made good sense, but now those are no cost transactions. Focus on a total return strategy and just sell when you need money. Something like a total world index (VT) or a total US (VTI) plus a total international (VXUS) if you want to control the ratio. ETFs named are examples, not recommendations.

Beitasitmaybe

So, don’t trade? Ok, I think I’ll trade. I am swing trading 1-2% of my portfolio daily / weekly and pulling an extra $1,000 a day/week. I do it on days I get my emails done early. I do it with shares because I’m not yet keen on options, maybe covered calls but that’s it. It’s a guessing game, maybe. But I use a little technical analysis and have a few strategies. One of the best strategies for many is to Bogle. Don’t take my word for it. That guy changed investing for many with the creation of Vanguard and the three fund portfolio: VTI VXUS BND. Hope all goes well for you.

yottabit42

100% VT for maximum global stock diversification with a very low expense ratio. (Or 60-65% VTI + 35-40% VXUS in a taxable account, equivalent to VT but you can claim the foreign tax credit on your taxes.) Follow the [financial order of operations](https://www.bogleheads.org/wiki/Prioritizing_investments). Head over to r/Bogleheads and read the side bar (touch the sub name at the top on mobile). There are a lot of great resources there to learn from!

Random_Name532890

op: VXUS, VGK ignore all these stupid answers;)

Own-Character395

I looked at the sectors that went up and the ones that went down, not just today and yesterday, but in the last couple of gyrations. I consider this to be like tremors ahead of the big earth quake that is yet to come and by looking at the tremors you can figure out where the big rip will be. Previously by looking at past crashes I had allocated 4% each to a number of defensive sectors. As a result of the recent gyrations I I'm further over weighting healthcare, consumer staples, energy stocks (to 5% each), keeping my stake in REITS (still 4%) and reducing my stake in utilities and mining stocks (down from 4% to 3% each). I'm also gradually increasing my bond position, particularly in TIPS and, as they fall, in long bonds. Now up to 32% from 30% which itself is up from 20% six months ago. Rest is in broad market indexes, VTI and VXUS

seraphimkoamugi

I'll worry when VTI/VXUS/QQQm all fall 25% each. Until then actively buying these every monday.

jasonkylebates

You could put it into a three fund portfolio (55%VTI/25%VXUS/20%BND) and easily get 2% per year while maintaining good prospects for price appreciation (historically). That’s ~130k after taxes.

DontPeeInTheWater

Here are the big ones from Vanguard: Total World (VT), US (VTI), ex-US (VXUS), Developed markets ex-US (VEA), Emerging Markets (VWO). If you want to get really in the weeds, I believe that Dimensional and Avantis are worth the small increase in expense ratios for some small factor tilting, profitability screening, etc, so I incorporate several of their funds. DFUS, DFAW, DFAI, DFAE are Dimentional's equivalents to those Vanguard options I listed

DrB00

VXUS is a solid ETF to look at. There's a bunch of others too. Do a bit of research.