VXUS

DependentCheck992

VXUS is shit compared to VOO/VT

garliccoil

I’m 19 and I’m starting to invest. What do you think of my portfolio?- VTI 40% VXUS 20% NLR 10% SOXQ 10% WMT 7% PM 7% RYCEY 6%

anotherhappylurker

Maybe I'm wrong, but as far as I understand it, because my currency is pegged to USD, there's little to no currency risk. Not sure about tax benefits but I don't pay capital gains tax, so the only tax would be on dividends. I haven't really found a good non-USD alternative to VXUS at the moment, but I'm open to suggestions.

irishtwinsons

I’m with those advising not to sell and just switch. However, I’m wondering why you are converting to USD and then buying and holding USD in a fund like VXUS anyhow. Doesn’t your country offer better brokerages for you - possibly tax-advantaged options that you can max out? For example, for those of us over here in Japan, there are plenty of options of ex-US index fund securities that we can buy in JPY and as part of a NISA account (retirement account with tax benefits). Unless if your goal is specifically to hold USD for some purpose, why exchange?

sortahere5

I rode gold and silver up, managed to keep most of the gold gains but only a little of the silver because it fell so fast and I forgot my stop order. I'm out of both and beat S&P pretty handily (even accounting for the losses) over the last 10months when switched out of majority US originally. I can't believe I forgot the stop orders on Gold and Silver but I'm ahead. Anyway, I'm now majority international. VXUS, VYMI, DFIV, VPL and KXI with a sprinkle of IDNA (my sole US this year so far). The rest of the money 33% is waiting on a buying opportunity in the US market. I wish I had kept VDC as the sole US ETF to hold but oh well. When the US market crashes, I might jump on a little gold again if it drops before then and I can see a US crash coming. I will add a good US dividend ETF and a US broad market ETF. But it has gotta drop a lot more because right now the US market seems way overbought.

geetarman84

The two I mentioned was to rotate more into growth SCHD to VTI and EPD(mainly to dump a MLP I didn’t need the income from) into VT. My portfolio is all boring ETF’s, VTI/VT/VXUS/SCHD, 6% BND, 6% IAU and maybe 1 or 2% stocks. My trading days are over.

brewgeoff

If you already own VOO then buying a global fund is not going to create the desired effect of diversification. It will… but very slowly. The easier way is to just buy an international fund like IEFA, VXUS, DFAI or SCHF.

Select_Reply

If you already invest in VOO do you recommend a global etf like these or pairing like non-us like VXUS?

Select_Reply

Thanks for this write up. I'm just starting to invest in VOO (age 36). I didn't get enough in my 401K when I was young and I wanted to contribute to something else as well. VXUS might make sense to do some kinda diversification with VOO but looking at the 5y gains compared to VOO it seems so low. Do you recommend defense or industrial ETF's? Is this too reactionary to current events? Big noob here 🙃

Consistent_Laziness

All I gotta say is VXUS is your friend this year and the next 2.

Ledzeppelinbass

I only buy SPY and VXUS, here for memes.

bobby1128

thats overview. VT, VXUS, and VOO each make sense depending on someone’s outlook, and you laid that out well

MizDiana

I previously wrote the below in response to a question asking what would be considered a safe long-term asset: Diversified. (A single company being 10% or less of your portfolio, or an ETF with broad holdings. This includes similar investments. I.E. holding two computer memory-producing companies are not diversified. You can see them as sharing the same risk profile.) No known volatility. (Commodities, penny stocks are volatile. Foreign bonds issued by a country or company at significant risk of default are volatile.) Key holdings of the investment not located in a likely war zone. Not dependent on political support. (Will a change in government = death of the investment. See: Biden-era initiatives to spur rare earth mining & refining that were killed off by Trump. Also, this is why Exxon won't invest in Venezuela.) Not heavily taxed. (I.E. Real Estate held in jurisdictions with a large annual property tax. That CAN be okay, but only if you have good reason to believe in long-term appreciation of the real restate will significantly out-perform the tax rate and/or it earns rent. I mean, we're usually only talking like a .25-1.5% annual tax here, but that is applied on total value, not gain.) Not easily stolen (this rules out physical metals & crypto). I mean, I'm crazy enough to have silver in my portfolio, but I don't keep physical silver. I like my ETF silver to be insured and held in a vault with professional security guarding it. Actors more powerful than you also have a significant interest, providing a protective force against malign actors. (Basically, would screwing you over on your investment also screw over politically powerful rich people - not individual power but class power? If so, the power of those rich people will help you. For example, it is highly unlikely that - even under Trump - the USA would default on its debt obligations. Why? Instant political death for anyone who does so because soooo many rich Americans & powerful institutions hold bonds.) Increasingly, I like geographic diversification as well. (So many investors are 100% invested in U.S. stocks, for example.) A good portion of my portfolio is quite safe by these standards (BBJP, EWY, VGK, as examples). A good portion of my portfolio is NOT safe by these standards. But I don't expect it to be & I more regularly check how those non-safe assets are doing. All that said, no investment is a guarantee. Intel, for example, used to be thought of as a rock-solid blue chip super-safe performer. It is down 20% over the last 5 years & is now pretty volatile and exposed to a government-held stake. -------- Because I have a fair knowledge of international affairs & thus a sense of where has better underlying economic fundamentals, I invest in region and country-specific ETFs. I re-evaluate where I've allocated my funds about once a year (or when major elections happen in areas I am invested in). If you don't have that knowledge, my strategy would be less useful to you. A common strategy recommended these days is "VT and chill" - VT is an ETF that attempts to replicate overall global performance. It has U.S. stocks, European stocks, Asian stocks, African stocks, etc.. It's the way some people try to achieve asset & geographic diversification I talked about in my screed above without having specialized knowledge. VXUS is a similar index fund that has only international (not-USA) holdings. It is what people recommend for investors that don't have specific knowledge that can add value & believe the USA is in for bad economic times over the next 4 years or more. Before Trump (and still today) you can see a lot of people recommending "VOO and chill" - VOO tracks the S&P 500. Essentially it is a holding diversified but geographically not-diversified (all USA stocks) fund. It's what people recommended for low-attention multi-year investing if you believed America had economic advantages the rest of the world did not have. So there's your three basic recommendations for someone who doesn't have some specialized knowledge they can rely on most people not having. VT = whatever, just invest in everything so I don't have too much risk anywhere and because improving technology should mean the world economy always grows. More or less what /u/pikapika505 and /u/brewgeoff suggested. VXUS = same as VT, but I think the USA is in for shitty economic times. VOO = same as VT, but I think the USA is special and will consistently do better than other countries.

Emotional-Power-7242

In a taxable account it's better to use ETFs than mutual funds because they're more tax efficient and if you should ever decide to switch brokwrages you can just take ETFs with you. So yeah just VT or a combo of VTI/VXUS.

ShootFishBarrel

VXUS. Lower domestic risk. I began moving to VXUS as soon as the syphilitic child grapist wannabe king went ham on tariffs. So far, my gains on VXUS are more than double that of QQQ, and VXUS produces a ~3% dividend.

Tambien

VXUS outperformed VOO over the last year.

TreGet234

Barrick mining and VXUS.

Longjumping_Type_157

what percent of your stock is in VXUS?

TreGet234

Barrick mining midas touch. And VXUS. And boomer dividend etfs. And bonds too at this point.

GrandGlacier1

I should have added VXUS earlier - only started adding recently, but I do think that the US is on a downward trajectory. All the news I've been following says that China is making deals right and left with Europe/Asia and the US is alienating itself from everyone. At least for the next few years, VXUS seems like a great investment.

bobby1128

VOO has definitely been the go to for US exposure, but I get the concern about concentration risk. VXUS gives broader diversification, though some argue international markets underperform long term. I'm curious how others here balance liquidity and diversification when choosing between the two

Bounty-auditor-2222

Definitely put what you can into the Roth.  You have time which is the most important asset.  Can go 100% equity I like professor G. Do 4-5 fund portfolio 80-90%. Mix of growth SCHG VUG some vgt is fine as long as tech stays the growth play., Blend VOO or fidelity 500 either one, 3rd start a value fund SCHD or FDVV or vanguard div equity.  More in growth and blend as your younger.  Go to value as you get to 40’s- 50’s. Rest I would say international VXUS fine. Vanguard did well for me but understand they won’t let you auto invest in other funds.  That is the other move auto invest DCA each month.  Don’t change anything unless rebalancing 6-12 months.  End of year is fine.  Stocks run up end of year as they manipulate their earnings and everyone wants a good Xmas especially the bonus bankers. I would not do a target date fund again too conservative until you hit mid 40’s. Inflation is the enemy not stock dips. 3rd bucket you should start is taxable brokerage with intermediate bonds or good fund dodge & cox. And value funds for mid range mid risk for a house ( get an investment property if u can.  We did and our mortgage after getting the rent was only 1,000 a month.  Then you can enjoy life. Don’t get a single family that is a boat anchor around your neck.  Unless you’re in a crazy expensive city then rent and keep saving.  But in next 5-10 you should buy.  Get some equity going.  Just get invest property or the least amount of house/ condo u need.  Not as much as the bank says you can afford ( just more overhead to cover not with it.)

GrandGlacier1

I started buying more VXUS and VT recently. Before I was a 100% US equities investor. Not to mention China has been making trade deals with Europe/Asia while the US has been alienating everyone. 

zeradragon

My portfolio is primarily VXUS, SCHD and RKLB. I'm not chasing the AI balloon.

OkChange9119

If the USD continues to weaken, other assets priced in USD will inflate proportionally if all else stays the same. If you are trying to hedge currency FX in the equities market, that is a vastly different calculus than simply asset allocation to international ex-US markets and one that is difficult to predict. (Currency trading is its own game.) However, I believe the recent announcement that the current US Federal Reserve (FRED) hairman will be replaced early for failing to follow the direction of the executive branch should indicate that USD inflationary pressure persists and that the FRED will not be an independent entity during the current administration. Both VOO amd VXUS are equities priced in USD. For inflationary protection consideration, I would look at equities traded in your local market and priced in the Euro and go for an international broad market index plus some sector weights like maybe European defense or IT or energy.

BeaverMartin

I’ve been pleased with the 20+ percent VXUS is up. The policies in the U.S. are causing short term economic stagnation and likely long term instability. Just my opinion.

SmackEh

OP, no need to invest in US stocks if you feel the US is too risky (I think it is). Plenty of ETFs to consider, such as VEU, VXUS, IXUS, etc. I'm big into XIC, which is a top choice for Canadian market exposure.

Bill_Clintons_Desk5

50% VOO, 30% VXUS, 10% GLD, 10% into stocks of your choice that you see as high growth potential. Not financial advice, just an idea

ETP_Queen

From an ETP perspective, the bigger question isn’t *VOO vs VXUS,* it’s concentration vs diversification. The US has dominated for years, but that dominance already lives inside valuations. Gradually rebalancing new capital toward ex-US exposure can make sense without forcing a binary sell decision. Global cycles rotate, p ortfolios that acknowledge that tend to age better.

ArcOfJustice-76

Eh. I'd keep it just for the diversification. I've been rolling off from high VTI holdings into VXUS by just buying VXUS and keeping my VTI and it seems to be working pretty well for my spending account. Granted, I could probably re-balance my 401K so the split is higher towards international (right now it's 80/20 US vs international, and I'd really like it to be closer to 60/40 if not 50/50 for the next 3 years at least)

Actual_Exam736

It seems counterintuitive too close out VOO for VXUS. Since both ETF inception in 2010/2011 VOO has absolutely crushed VXUS over the last 15 years and by a wide margin majorty of the times (12 out of 15 years). I mean if you want to close out VOO to protest owning American companies. yeah sure why not. But majority of the recent market winners like Mag 7 and other AI related companies, not to mention the regular tech, software, defense, consumer, financial institutes or really the majoirty of market drivers all seems to be located in the USA market.

TemporaryEmu4140

I use AVNM as a proxy for VXUS. It seems to outperform, don’t ask me why. Also have IDMO, DFIV and VEA for ex-US exposure. If you want a large cap ETF more like VOO rather than VTI, but outside U.S., check out AVIV. That’s one of the funds that goes into the broader basket for AVNM.

anotherhappylurker

Even if I keep VOO, I'm not going to buy anymore until at least 2028, maybe even further if the next administration doesn't at least try to apologize for everything that the last one did. So with that in mind, I'm thinking it might be better to just start with a clean slate and convert all my VOO into VXUS, since I'll no longer be DCAing into VOO anyway.

culturedgas

I’ve thought about this too, adding VXUS gives you real international exposure, but VOO + a bond fund still works fine if simplicity is the goal.

satellite779

>For instance, if the US crashes, the majority of holders in VXUS are going to be US investors. How would this affect the value of VXUS?

DashAnimal

I don't have great advice nor am I an expert, but I would think investing from outside the US on a listing on NASDAQ (within the US) for stocks outside the US inserts unnecessary US-tied risk if your goal is to be invested outside the US. For instance, if the US crashes, the majority of holders in VXUS are going to be US investors.

anotherhappylurker

What other ETFs did you add besides VXUS? Just curious.

joe-re

That's what I did: American ETFs stay where they are, but new ETFs are mostly VXUS and other foreign stuff. Worked great last year. VXUS had twice the returns from VOO over the last year.

1burritoPOprn-hunger

Unless, you know, VXUS does not outperform VOO and you just paid a tax bill to buy the weaker asset. You’re just trying to time the market. Might work. Might not.

Notwerk

You're more diversified if you hold your present position and start adding VXUS to your holdings. Cholesterol might finally do its thing. You never know and can't predict. So, don't. Hold your VOO and hedge with VXUS. 

anotherhappylurker

It's not a brand new position, I've had it for a few years and am up around 50% right now. My thinking is that if I sell it, I get to realize that 50% profit, and then put it all into VXUS, which will outperform VOO over the next couple of years, thus providing higher returns than if I just let it sit in VOO.

Unfair_Explanation53

Just have to be a bit smarter and simpler I have VOO and VXUS as my backbone Gold and Silver ETFs as a hedge Couple of AI stocks NVIDIA, GOOG and PLNTR Two absolute gambles that I got dirt cheap and will just hold MVST and BMNR and some BTC and ETH (just a small 10%)

swrrrrg

Just start buying VXUS & leave your VOO shares alone. Unless you need the money or unless it’s a brand new position, you’ll almost certainly benefit from the time you’ve had in the market if you hold them vs. selling them.

holylight17

That's why I have been buying more VXUS, much more opportunities/value in the international market and it's been doing quite well.

brute-forced

Buy a LOT (relative) of shares of companies whose product you personally use. Do you use AMZN regularly? What about AAPL, MCD? Dabble in CGC? How about PLBY? If none of the above then by the real winners of 2026, BE, WMT, BWXT and VXUS. You’re welcome.

TreGet234

I'm tempted to sell it all and go 50/50 gold/VXUS. America is finished, unironically. Nvidia slow death to 0.

TreGet234

US market is detached from rest of the world market. Spy to 0, VXUS to infinity.

RoverV

Are you using a script from 3 months ago? There’s no rotation other than the rotation out of US markets. I’ve been adding more to VXUS and Asian markets which will continue to blow past the US until these ridiculous tariffs go away.

TreGet234

US stock market is a toxic swamp where any money you put in shrivels up and dies. Meanwhile VXUS is hugely green.

motomeru2526

couldve bought divs and let that money grow with VXUS

TreGet234

Buy VXUS for the value play.

TreGet234

Us market is broken. Avoid it at all cost and join us in VXUS land where the line almost always goes up.

ThermalChaser

VXUS green. Fuck you yankeepoors!

xTheatreTechie

You're uh not ready for the stock market my man. I lost over a grand last week, and make it all back this week. Your best bet is to start with small "safe" investments like ETFs such as VOO, VXUS. You should probably join the boogleheads subreddit or the investment sub reddit. Asking for help on what to invest on a sub called Wall Street bets is not for you.

evangr721

VXUS probably

Yankees868

There’s 10 other DDs on this sub with a simple search, sorry I didn’t want to add another LLM generated slop post. Who the hell isn’t private on Reddit? Like I said, watchlisted stock overextended to the downside, I entered today. RR and DD, really? 😭 Included a screenshot from thinkorswim research tab, news article covering the short interest. https://preview.redd.it/empdab33ibhg1.jpeg?width=1179&format=pjpg&auto=webp&s=65f5b5205ce3d2ba12424721b0dd04f370e48ce5 They develop skin based alcohol detection software and hardware, basically a faster cleaner breathalyzer using fingerprint and data from the skin. I don’t have a crystal ball, just posting on an oversold stock. Thankfully my savings are in VTI, VXUS, and SGOV.

Spicyboi981

SPY down, VXUS flat, EEM up

Jericho3434

My boomer stocks are ripping. SCHD killing it, bought XOM on its generational breakout, it’s ripping. Bought MO after its earnings drop, ripping. International (VXUS) is doing very well too. I believe people are losing faith in AI and moving to under valued stocks.

TreGet234

Buy VXUS or VYMI to actually make money.

rewardsandpenis

At 24 with a long horizon, adding a bit of Google makes sense if you’re comfortable with individual stock risk. It’s still a strong growth and cash-flow company, but don’t overallocate keep your core in broad ETFs like VTI/VXUS and treat Google (or NVDA) as a smaller, high-conviction slice of your portfolio.

OppositeDowntown5149

That’s a lot of weight in just a couple names. VXUS spreads it out way more.

ApprehensiveSoil9850

VTI is up 15% in the last year VXUS (International version of VTI) is up 32% in that time

ApprehensiveSoil9850

VTI is up 15% in the last year VXUS (International version of VTI) is up 32% in that time

SpellAccomplished541

Good job! That is twice what I had at 24 (and I retired at 54 with 4M from salary and below average mutual funds). If I had done VTI/VXUS 90/10 I would have twice as much. I can't advise on Google/Nvidia, but I wish I had kept my main funds in an index and only speculated with 10% (I got crushed in [dot.com](http://dot.com) when I bought individual stocks).

Longjumping-Bid-9523

I would start by moving all of your assets into your own account with low-cost brokerage firm like Fidelity, Charles Schwab, or Vanguard. Begin by investing your assets in something simple like an equity index fund, e.g. VOO, VXUS, VTI, QQQM. Then spend time to learn more about equity investing, maintaining discipline, other investment strategies beyond indexing, and how to manage risk/limit losses. There is no guarantee, but I believe you will be well served and do better by DIYing your investments versus paying an advisor a % fee of your entire portfolio every year and in perpetuity.

BacchusAndHamsa

my VEA doing awesome but I see your VXUS slightly beats it at the moment.

thatdudejubei

Me personally, I would invest more in VXUS before you add to individual stocks. Where do you see massive growth potential in Google?

adhdt5676

Agreed on this. International is primed to do very well for awhile - has a long runway IMO. My VXUS was up 30% last year alone

WorkSucks135

VXUS has garbage options liquidity dude. You lost most of that instantly on the bid/ask alone.

LEAPStoTheTITS

He’s responding to you saying “VXUS is only up 50% in the past 25 years” which is false/misleading in multiple ways. Try and keep up plz

_Hitman47

VXUS has only existed for 15 years. Might surprise you but it pays dividends. Simulated VXUS total return from 2000 is 334.84% The state of retardation of this subreddit, man.

TendiesHands

VXUS is only up 50% in the past 25 years. And you managed to lose 15% on it in one day. This is truly impressive.

sunnbeta

I don’t have many individual stocks (mostly VTI/VXUS and chill) but do have a gold miner (up 300%) and copper miner (up 200%) holding for several years now. I took some profits from the gold miner, probably too much too soon, looking for a good point to buy back in with some, but otherwise letting ride as a small % of my overall 

plumpypenguin

Idk why you’re saying it like that, I own VTI and VXUS in my port and I’m not exactly Warren Buffett lol

NomSaneMan

Ok yall, I’m officially a pussy. Even split portfolio of VXUS, VTI, SCHD, and SGOV. Made 10% ytd and 60% over the last 12 months. Shit feels toppy as fuck. I’m out of options for now.

TreGet234

VXUS supremacy.

Cold_Computer_2886

All you need is VOO, VGT & VXUS

OtherwiseBase5003

I've increased my positions in VXUS, FNDE, EMXC, SHLD. Those total around 40%. I'm not trying to squeeze every bit of returns. More for diversification and peace of mind.

Mrvonblogger

VXUS

givemethestars000

I put a mil into VTI/VXUS and gold just yesterday. Should I be stoic?

Ok-Educator5253

So they’ve lost 14 of the past 25? I guess That explains why, in 15 years, VOO would have given you 4x the return of VXUS. My point is the OP is not thinking on a long timetable. He should be.

cccuriousmonkey

And thank you, completely forgot about VXUS. Looks like a better choice for me.

Historical_Low4458

Nobody can tell you what international funds to pick in your 401k without knowing what options are available to you to choose from. As far as the IRA goes, you could just go with VEA there too, or pick VXUS because it is commonly recommended here.

2ManyCatsNever2Many

some considerations on ETFs / mutual funds: * VXUS: International as mentioned in another comment. Performed much better than SPY in 2025. * VYMI: Similar international exposure but I believe with a stronger dividend presence. Likewise much better than SPY last year. * EWJ: Japan - also performed well and many analysts are calling for strong GDP performance from Japan in 2026. * VGK: Europe-focused fund returning near 50% over 1 year (really puts into perspective how poor the US has done). * EWY: South Korea - blew up last year as this is *highly* dependent on microchips but does give some external US exposure. * VNM: Vietnam - a true "developing" play but if one follows the talk about where many people are traveling, then it's not a bad idea to let some money invest there.

Applepyes

I just switched from 100% VTI to 75% VXUS 25% VTI. Although I’m fully aware that I’ll need to time the market to get ahead

ddogquickbite

VXUS

POWRAXE

I think this is the right answer. Precious metals could keep climbing, but they are not necessarily a safe hedge at the moment due to recent volatility. I think developed and emerging international markets might be the play for the safe, slow, and steady investor. Just some food for thought, (VEA) an index holding only developed foreign markets and excludes the US, printed 34% last year, where as SPY printed about 15%. If the dollar continues to decline, this will be the right place to be. (VXUS) is also a great foreign market index, but also includes emerging markets like China and Taiwan, whereas (VEA) does not. Best of luck to you all.

MaxxMavv

Here I checked for you, and yes my guess was correct. You would of made a little more just staying in QQQ I used April 2025 when you said you diversified. [https://totalrealreturns.com/n/VXUS,QQQ?start=2025-04-15](https://totalrealreturns.com/n/VXUS,QQQ?start=2025-04-15) Not saying VXUS is bad or anything I picked up IDVO, DIVO and TM during the early crash last year, but did not sell any U.S. stocks deployed my larger then normal BIL/SGOV.

Ok-Educator5253

VOO 60 VXUS 30 Silver/Gold/Crypto Junk 10%

NomSaneMan

Rn I own VXUS, VTI and SGOV cause shit’s a bit toppy seeming. If that went down by 30% your shit would be down by 80%

Rockatansky77

Invest in everything, diversify. VT, VTI/ VXUS. Add some momentum or a specific sector you have faith in QQQM FTEC VGT SOXX SOXQ or maybe you want small caps. If you want precious metals and or Bitcoin make it 10-12%

Rangizingo

VTI and VXUS is all you need tbh

Moist_Emu_6951

You have a lot of overlap between the first 3. Mine is 50% VOO and 50% VXUS; it's straightforward and simple.

TreGet234

Might be good to look in decent dividends now on the 10 year or something. A global index fund like VT or VXUS could be good too. Or one of the high dividend index funds if you suspect an imminent crash. Personally i will exit tech before october/november earnings. Shit's a time bomb.

TreGet234

VXUS supplemented with gdx, muu and rklb.

drummer820

I didn’t formally backtest but I think international substantially outperformed in 2025. For example, VXUS returned ~32% while QQQ yielded ~21% and SPY was ~18%. My strategy is a little more nuanced than those three but it’s a good illustration. I also leaned towards dividend plays with DRIP to make progress during periods of sideways chop and volatility

DonBoy30

I took a position in gold (GLD), silver(SLV), and VXUS in my Roth sort of impulsively starting when Trump took office (since my 401k is mostly in VOO). Not good advice, but it paid off.

givemethestars000

I'm young. I moved 99% of my savings into VTI/VXUS/QQQM, and Gold this January. I learned over time that HYSA and SGOV don't give much returns compared to a bullish market. Market is higher risk but the alternative is much lower yields. Not sure what 2026 is gonna look like, but it could be slow and steady upside with moderate to big corrections along the way. With this current administration, it's hard to gauge where things will go. But, IMO, if you're young, take advantage of the market as early as you can; especially if interest rates are lowered. If I am wrong, I'm open to anyone correcting me and giving suggestions.

Fun_Mind1494

$VXUS and gold. $BTC has confirmed its bear market. Buy at 20 RSI, sell over 80 RSI. Completely ignore it in-between.

bofoshow51

Investing is largely very simple to be successful. You do not need an advisor to manage anything, in fact he’s likely costing you on returns. Prioritize money into tax advantaged accounts like your tfsa. You should be able to create a Wealth Simple tfsa and transfer any balance between your current account to that as a rollover. Next is choose a 3 fund portfolio based on your time until retirement. The 3 fund portfolio should be compromised of 1) US stock market, 2) International stock market, 3) govt bonds. Since you are only 19 y.o. You could easily forgo bonds until you are about 10 years away from retirement, because stocks are more volatile in short term but have much better returns in long term, bonds help reduce volatility in down times but cost you returns. Next is choose low expense ratio ETFs (less than 0.25%, many many good options are less than 0.08%) to fill your 3 fund portfolio. The industry standard are VTI (US total market) or VOO (US S&P 500 market) and VXUS (International market), or to be even more simple VT (Total World Market). VT balances itself to represent the total market weight of the global economy, currently it’s about 62% US/38% International. You can also just do VTI/VOO + VXUS at whatever balance you want to mimic that, I personally am 70/30 VOO + VXUS. And that’s really it. Throw your money on these and let it do what it does best, grow about 8-10% annually over the next 30+ years. Drop the advisor, his expenses are likely eating into your profit and growth without any meaningful benefit, as over 92% of active fund managers fail to beat the market returns.