VXUS

BunglingSegue

Hey man, you’re really being taken for a ride on fees. You can save a lot of money by just buying an ETF like VTI to cover all US stocks and VXUS to cover international stocks. There’s really no point to investing in all these smaller narrowly defined funds when a couple bigger funds will accomplish the same thing for a fraction of the cost. If the advisor is referring to Tax Loss Harvesting, plenty of roboadvisors accomplish the same thing for cheaper. Side note: you should ask if your advisor is a fiduciary, because it sure seems like they are trying to make bank off of you.

drew-gen-x

The $SPY is weighted 33.5% tech, financials 12.5%, communications 10.5%, cyclicals 10%, healthcare 9.5%. It's tech or nothing for US indices, especially since financials are the worst performing sector. There's a reason I have been pounding the table on owning foreign stocks esp $VXUS. The rest of the world isn't this concentrated in tech stocks (or 1 sector) and a handful of stocks by market cap concentration holding up the entire market or $SPY.

dataCollector42069

i started buying more VXUS to diversify for that reason

MeineGoethe

VT or VTI + VXUS. If you plan to only hold in Fidelity and a non tax account then you can use their 0 fee mutual funds FZROX + FZILX. If you only hold VOO then you’ll miss small/mid cap and international. I personally just hold VT because it’s a simple and covers everything.

TortugaTurtle47

VTI and VXUS is a great combo. They give you exposure to nearly everything in the US and out of it.

TortugaTurtle47

My plan that has significantly less expenses/fees: 100% stocks until 50-55 (VTI ~80% and VXUS ~20%). Once I'm in my 50s, I'll start adding bonds like SGOV and BND (my emergency fund is in them already). Probably be around 60% bonds and 40% stocks in retirement (plus cash).

Smart_Food_4823

If your portfolio looks like a grocery list, you're not diversifying; you're just collecting expense ratios. A solid VTI/VXUS/BND combo beats these 'over-engineered' institutional traps 9 times out of 10. The best edge in 2026 isn't more tickers, it's less friction

MidnightMiasma

Others have already pointed out that this is an absurd portfolio. Why? (1) Fees—you’re paying 1.5% on the portfolio and probably an additional 0.5-1% on the actual holdings, (2) complexity—this accomplishes with ~20 positions what can be achieved in 3 positions. If you go this route, you will be much worse off than if you did it yourself. You could replicate this portfolio almost exactly by buying: - 51.3% VTI (or ITOT if you prefer, basically the same)—this includes a very similar breakdown of large, medium, and small cap. - 22.5% VXUS (or IXUS if you prefer, basically the same)—this includes a very similar breakdown of developed and emerging markets. - 23.5% VTEB (or MUB if you prefer, basically the same)—this includes municipal bonds. Others have recommended BND, which is fine, but BND is not municipal bonds which have some tax advantages if you are in a high tax bracket. - 2.7% cash This entire portfolio represents the same investment mix that your idiot advisor recommended and will cost around 0.05%. 1.5-2% doesn’t sound like much, but if your expected return on your portfolio is about 7%, you give up about 1/4th of your gains to Fidelity. This sub will generally not consider anything other than a 3-4 fund portfolio mostly because it does actually make sense, but in reality, some people are scared of doing even that. If that is you, that’s okay! Just buy something like FFNOX—it bundles these funds together so you just have to buy one thing, at the cost of a very slightly higher price (but still WAY cheaper than what your advisor recommended). As for your advisor, he is not acting in your best interests. I would run.

sailphish

So this is a really complicated way to build a simple portfolio. The percentages are all fine, but the only reason he has so many categories is to make it seem difficult to justify his commission. You could make a portfolio with 3-5 holdings that tracks almost exactly the same, and saves you a ton of fees. It’s pretty common for fees (expense ratio plus advisor fees) to come in around 1.5%. It might not seem like a lot, but assuming 6% returns, that’s 25% of our profit. 7.5% returns, it’s still 20% of our profit. You could just invest in VTI for your domestic stock, VXUS for your international stock, and a total bond fund like FXNAX (and FBIIX if you want international bonds). I’m not sure why he put you so heavily in municipal bonds - assuming these holdings are in a taxable account, so you could use something like FTABX to cover the municipal bonds. So set to round numbers (because all the tiny percentage differences essentially account for a rounding error and none of us really know what is going to perform the best for a given year), something like this. VTI - 50% VXUS - 25% FTABX - 15% FXNAX - 5% FBIIX - 5%

RJ5R

Here you go - VTI 60 VXUS 30, BND 10. Done

Buntatricky46

There are no garbage companies in the SP500. The 500th and 501st largest companies switch places all the time, so it’s already “modified” to ignore garbage companies. Historically, the SP500 has never included IPOs, but spaceX may change that. Theoretically, you can buy a SP500 index with low fees like VOO, and then short sell fractional shares of companies you don’t like in the SP500 bundle. This would be a pretty ineffective, and inefficient, way to mitigate risk. You’re better off just buying VOO, or if you want more diversification, buy VT, or VTI+ VXUS, or VOO+ VXUS + SGOV etc the proportion you short sell

ltzt

I think it's pretty good right now with the USD continuing to lose value and the diversity that it provides. You want it. Your safest "bet" is just to own everything and that's about 60% VTI and 40% VXUS traditionally. You have an inherited IRA so don't forget you only have 10 years to empty it.

rollin20s

Broad indexes are the answer (imo) - VTI, VT, VOO, VXUS etc. can’t beat the diversity of exposure. Slow and steady wins the race

horseman5K

You’re not really telling us your overall allocations of each investment, so it’s not much of a plan, but my thoughts are that this is a terrible plan. I wouldn’t bother with gold or fundrise personally, but if you just, don’t make gold and fundrise more than 5% of your portfolio each. Just do VTI and VXUS for your ETFs.

Adventurous-Tough553

Right, although a logical response may be to rotate more of one's holding from the VOO and big tech category to the VXUS category.

GiGiAGoGroove

I am not in VOO anymore I sold at its height and I would choose SPYM(formerly SPLG) as VOO’s dupe because of its price and shares, but the dividend is low. I avoid tech. All my other ETFs are SCHD, SCHA, VBR, VXUS, NNN, ENBRIDGE, SCHF, SCHY etc which all of them are decent dividends but they are mostly all VALUE funds.

ATPsynthase12

Bump VTI 10% and VXUS 5%. Depending on how risk adverse you are, you could put 5-10% into bonds. That leaves the rest for fun money and speculation.

pineapplekiwipen

VXUS boys getting rugged by iran war

TreGet234

Nvidia will never have a 30% year again. It will be lucky to beat VXUS ever again. This pump is fake and a fluke. Soon enough it will magnetically snap back to 190-200$. It always does, this time won't be different.

ATPsynthase12

Do you know the easiest way to make a million dollars in the stock market trying to day trade? Start with two million. Pick a few (or even 1) ETFs you like like VTI or VOO and you’re golden if you’re young. If you are old or risk adverse put 10% in BND If you want to hedge against the US economy, add VXUS at no more than 25-35%. If you really want to tilt into one or more sectors (AI, infotech, robotics energy, healthcare etc.) research those sectors and pick one or two index funds that’s performing well to put no more than 10% per fund into. Again, DO NOT try to “short” a stock or day trade. You’re basically gambling and will lose money. Best strategy is to buy and hold and do the opposite of what everyone else does in a bear market and buy the dip in sectors you know won’t collapse totally. For example, if we manage to develop easily and cheaply produced electric cars and can move that tech to larger vehicles, “buying the dip” in oil is a dumb move. But buying the dip in say healthcare or tech is a solid bet that the market will grow and make you money.

_Spyder-Man

Definitely was looking at VXUS as well 👍

Fhyzikz

Somewhere less manipulated. Emerging markets? VXUS?

ATPsynthase12

Stability and reduced volatility for bonds. Also gives a reserve of stable assets on hand in the event of a bear market for opportune investing. That being said I’m probably gonna reduce bonds to 10%, sell QQQ, and drop REITs entirely to up my VTI/VXUS commitment and tilt into tech and healthcare with VGT and VHT when I do my next allocation in a week. I think the info I used to build my initial portfolio was dated and more geared toward people closer to retirement who want more income and stability rather than growth.

TheGoluOfWallStreet

Actually good part of my port is VTI+VXUS, which gives me buying power to then sell naked puts as a responsible degenerate

Bob_the_peasant

When I do my weekly DCA into “real” investments like VTI / VXUS I do a flat amount of $$$ which never lines up with a round number of shares

rufio313

Just owning more or less of either depending on your desired allocation. Right now I’m 70/30 VTI/VXUS. If I decide next year that I want more international exposure, I’ll start investing more of my recurring contributions towards VXUS and less towards VTI until I get my desired allocation.

CaptainR_S

Can you elaborate what rebalancing means for VTI and VXUS?

rufio313

On the flip side, tax loss harvesting. You can harvest losses in just VXUS during an international downturn while holding VTI. With VT, you’d need a global selloff to do the same

AskPatient1281

This is my formula. This is what I do. Maybe it will work for you as well. 1) Emergency fund - 6 months of expenses = $29,700 This should be invested in treasury. A good option is SGOV. Ok also to keep it at a HYSA. Not a regular savings account, but a HYSA. 2) Open a roth IRA and fully fund it to the max allowed = $7,500 Everything here should be invested in broad stock ETF, something like VOO or VTI. If you want, put 20% on international stock - VXUS. So 20% VXUS and 80% VOO or VTI. Invest the max allowed every year. 3) Open a brokerage account and invest the rest Follow the same formula as #2. So 20% VXUS and 80% VOO or VTI. Invest a little every month. It doesn't matter if the market is up pr down. Just keep investing a little every month. If you can invest $50, ok. If you can go to $500, great. But keep investing. 4) Check your emergency fund at least once per year. If you conclude that your cost of living went up, top it up. Add more money to it. 5) As you get older age 45 or so, start adding Bonds to your portfolio to reduce volatility. You don't want to retire with 100% of your investments in stocks. On your Roth (and 401k, if you have one), you can sell some of your stocks and buy bond ETFs like BND or IGIB. In Roth, IRA and 401k these movements are not taxed.

rufio313

VTI and VXUS if you don’t mind checking in like twice a year to potentially rebalance. VT only if you just want to chill and never rebalance.

ATPsynthase12

I ran some benchmarks and I think I’m gonna update my portfolio to this: VTI 50% VXUS 25% BND 10% VGT 15% When compared to the benchmark of Berkshire Hathaway over the last 3 years it has had a Sharpe of 1.12 compared to BRK’s .66 and a CAGR of 18.5% compared to BRK’s 14%. It also has a Sortino ratio of 2.03 compared to BRK’s 1.06 and a Calmar Ratio of 1.81 to BRK’s 1.4. So it seems to outperform BRK.A in nearly every metric from a risk to growth perspective. I noticed my REIT percentage was pulling down growth and I don’t need high dividend payout at this stage and I don’t like the tax drag so I’m dumping this as well as QQQ. I’m also dropping BND to 10% which exposes me to more risk from tech exposure but also lets me have more growth over the long term.

MDthrowItaway

I didnt start accumulating wealth until about 36 (graduated grad school and got first job) but since then has been saving agressively due to being in a VHCOL area. I make decent (range of ~280-340k over the past 13 yrs) but am in a single income family (partner makes negligible amt) with 2 kids and a high potential of disability. Ive managed to pay off our student loans and home and accumulate in the mid 7 digits through saving/investng about 1/3rd of our gross income. We spend about 70-90k/yr trending upwards, save anywhere from 100k-140k and everything goes to payig off debt or investing. As we passed the 1-2M mark nothing changed. I originally had a goal of 2.5M. As we passed that it was when inflation was going through the roof so we didny really change anything. We have some agressive investments (about 40% funds sp500,VXUS, the rest in equities) that took off the past 2 years but they are volatile enough that we peaked around late fall, drew the entire account down 30% the past 6 months going into the Iranian war, but am up about 50% overall from those lows last month. A decent chunk are AI adjacent, so who knows how long the bubble will last for. We are at about double our original goal now but can see how quickly our fortunes change so havent changed our spending habits much. Certain decisions were easier, i thought less about getting a more expensive meal when going out. We are considering either renovating our current small starter home vs getting a new home. We think less of hiring a coach for teaching my kids in sports and getting an ski pass. But ill still look for sales to stock up on groceries. I have given thought to dialing back my work hours to half time, but the scarcity mindset has me thinking perhaps in the next few years.

AlfB63

VOO and VXUS are not uncorrelated.  They are about 93%.

rufio313

I’m 70/30 VTI/VXUS

Infnits

Yeah the overweighting angle is fair, VTI + QQQ for a tech tilt is a real strategy as long as you know that's what you're doing. On the expense ratio thing you're right, it's basically a wash if both funds are 0.03 to 0.06%. The real cost isn't the fee, it's opportunity cost. If your intent was to diversify and you ended up with two funds that move together, you spent that allocation on something that didn't do the job. That same money in VXUS or BND or AVUV would've actually reduced your correlation to the US large-cap bet. So the downside isn't what you paid, it's what you didn't get. The portfolio looks diversified on paper but behaves like one position when the market moves.

Fun_Pay_992

Spot on. That phrase 'indecision dressed up as strategy' is a top-tier reality check for many investors. People often confuse 'quantity of tickers' with 'quality of diversification.' Holding VOO and VTI together is essentially just tilting your portfolio slightly toward Large Caps while paying for the illusion of a broader net. Real diversification is about zigging when the S&P 500 zags. Adding uncorrelated assets like VXUS for international exposure or AVUV for that small-cap value factor is where the actual risk management happens. Great breakdown of the correlation traps!

Space_Pilot1

I could see VTI and VXUS for someone willing to specifically derisk from US equities given the current political environment. Or just do VT long term and call it good enough since the overall returns are roughly similar. For Bonds I believe IUSB, BND, or AGG are pretty close too with about 17k basket holdings according to Fidelity Investments. Anything else is simply increased decreased diversification and increased risk at the benefit of potentially higher returns or greater losses

Infnits

Yeah agreed, VOO and VTI is the extreme case. The interesting question is where the line actually sits. VOO and SCHD overlap around 50%, VOO and QQQ around 30%, VOO and VXUS basically zero. My rough rule, above 40% overlap you're mostly buying the same bet twice, below 20% you're genuinely diversifying, and the middle is the gray zone where it depends what you're actually trying to do. Where do others draw the line?

Ahamadrayasbaboon

People knew about, or suspected the war kicking off months beforehand. Which isn’t surprising, all the signs were there.  Take a look at SPY, VXUS, BTC, and NBIS (then Yandex) charts in the months before Russia Invaded Ukraine (again) in 2022. Money got cautious like a quarter out. 

ateranol

I'm pretty sure the only subreddit where the the average person makes money is bogleheads. And that whole subreddit boomer autists indefinitely arguing wether to get VT or VTI+VXUS to save 0.00001% on TER.

ManhattanTime

It becomes a game rather than thinking about a secure future. It allows you to put money into extremely conservative accounts so that you have that future security you need but then the rest rides (for me) on VT, VTI and VXUS which isn't going to make stratospheric returns but slowly and solidly builds wealth. I have the Vanguard app and it has a nice little feature where you open it and from FaceID it just shows your total without going into the actual app. It takes two seconds to view it. I find myself looking at that a lot. The nasty day of the start of the Iran War or right thereafter I recall looking at it during a work meeting and I was down $650K. I just laughed. I had no idea what the news was because I was in a meeting but I knew something drastic had happened to the markets. Because I don't need it and am a Bogelhead I don't micromanage it. In fact I don't even manage it. Set it and forget it. Four weeks later it gained it all back and is another $100K or so above the previous high. So it's just a game - something fun to look at. I won't touch that money for a dozen years. But I do find that I don't want to spend money. At least on frivolous things. Material things. Porsche 911 GTS, Vacheron Constantin watch, second house out of state, blah blah blah. None have the appeal they did when I was younger. Basically we spend our money on very nice vacations and comfort on overseas flights and that's about it. No new kitchens, whole-house remodels, expensive jewelry. There's nobody to impress. Our neighbors have no idea we're "wealthy". They live way larger than we do but thankfully I don't have a Keeping Up with The Jones' wife. Makes for a nice life. TLDR: Life is great! Stay the course. Don't extravagantly spend. Keep building as long as you are enjoying the things you have. Comparison is the thief of joy.

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.