VXUS

DarkVoid42

invest in VT and VXUS, XSX7 and VOO. cover the whole globe and dont restrict yourself to a single country which can go through a downturn. diversifying your risks is key.

Delicious_Poetry6405

you're not as late as you think. \~$321K at 56 with 10+ years left is a solid foundation. On that $103K CD: Emergency fund first: Keep 6-12 months expenses in HYSA (4-5%). If that's $30-40K, do it. Peace of mind matters. CD ladder $20-25K: Split across 6-18 month CDs. Rates are still decent and you'll maintain liquidity. Invest the rest (\~$40-50K): Max your 2026 Roth IRA ($8K with catch-up) in a balanced fund. Put $20-30K in brokerage (VTI/VXUS, nothing fancy). Consider upping 403b contributions if you get a match. Delaying Social Security to 70 gives you an 8% guaranteed return per year. That's your best inflation hedge. You're not behind. You're just getting started. Good luck.

Itchy-Back8245

VTI is a great pick if you want to stick to etfs. It’s been outperforming the S&P lately. I personally like a 5 way spit in my set and forget accounts. VOO, SCHD, QQQM, VTI, and VXUS.

PhxCollins

The combo you're looking for is VTI and VXUS. VOO is *inside* VTI. VTI + VXUS for US + Intl, or VT if you want maximum simplicity (can't control the balance of US + Intl in VT). Some people do VOO + VXUS, but you're missing out on the 13% of the U.S. that VTI captures. Some prefer that, though!

Raw-Garden

Opened up my Roth IRA today and contributed for 2025 and 2026. Have 14,500 to spend. What do we think about 50% VIT 25% VXUS AND 25% QQQM? 25 years old by the way.

dard12

Fortunately I have a blend of VTI, VGT, VXUS, and VB. I'm covered. But I'm pretty skeptical of the 2-3% a year claim. That's likely cherry picked or unsustained.

Seastep

Continued rotating out of VOO and into VXUS with the profits

KumingaCarnage

Can’t help but look at these types of posts and roll my eyes. Like man, you’re USING a RETIREMENT ACC. You’re supposed to hold long-term and these red spell days, weeks shouldn’t deter you. Shit I lump summed like nearly 50k altogether in the last month into VTI/VXUS across two brokerage accounts and I’m down like $2k and I’m not stressed out. Buy high, buy low. That’s the long game. If it’s too much for you sell your losses and don’t invest at all if it’s too much stress for you. There’s a reason people that panic sell are called paperhands.

dansdansy

Higher fee, you get the same diversification with lower fee just buying one-one VTI/VXUS rather than VT.

LemonTeaCool

From what I can tell, there's tax benefit with VXUS. I'm not exactly sure what that is

Eobardesmith

How is VT worse than VTI and VXUS. Isn’t it a combination of the two?

Queasy-Doughnut-5512

I’m doing VOO/VXUS 80/20 just started same as you Let’s circle back with each other in a year I’m curious if I messed up and should have done VTI

Infinite_Playdate_XO

The older I've gotten and the more accounts I've accumulated or inherited, the trend there is to consolidate and simplify to help declutter and minimize overlapping holdings and to get a clearer picture of my asset allocation. * My rollover IRA is probably the most complex with 12 positions currently. * My Vanguard Roth IRA is 100% VT. * Inherited Roth IRA is 100% VT. * Inherited IRA is a 3 fund portfolio. * My M1 Roth IRA is running a modified version of HFEA with 4 leveraged positions. * 401k has 4 funds one of which it crypto. * HSA is 3 fund portfolio. * Taxable is BRK.B, VTI and VXUS.

kintarogolden

im buying VOO, VXUS and VB

Consistent_Laziness

Yea I do voo and VXUS. Problem with that is VOO doesn’t have any small caps like VTI does.

3DGuy4ever

Understood. Not sure if they are a he, but then playing VOO vs VXUS is the way to control intl mix

3DGuy4ever

If VOO and VTI are redundant (your assumed definition) then so are VTI and VXUS

Longjumping_Key_5613

Is VOO and VTI together not redundant? I do VTI and VXUS for just weekly recurring buys

AngryGranny1992

As a perma bull, I tried to warn you guys multiple times and people just made fun of me. This is only going to get worse. You all better sell. The war is just escalating with multiple Oil refineries and Oil tankers being struck in the middle east in Bahrain, saudi, kuwait, iran, qatar, etc. Most USA bases in the gulf countries have been destroyed or become unoperable. Iran has destroyed Multiple THAAD radar systems, each costing over 1.1Billion. Multiple F15E's confirmed shot down (3 friendly fire allegedly). Whitehouse is also hiding the real number of casualties and is not just 6. There's apparently reports of over 1000 American soldier casualties and it is confirmed by the German hospital for american troops being overfilled and the german base is begging for blood donations. The Gulf countries are pissed off cause the US is not protecting them as promised as well as the two false flags from the Israeli agents they caught in Saudi arabia and qatar or kuwait (Forgot which one), where they were planting bombs to blame Iran and drag the gulf countries to the conflict. The US is moving their ships and interceptors towards protecting Israel and a spokesperson for Saudi was complaining about this. Due to this, with this a lot of investors and officials from the gulf countries will likely stop or reduce Oil business with america and some of them have expressed this. You can just see by the tone of the White house and even fox news that they are panicking hard. Here's two of the posts i made last week warning you guys. [https://www.reddit.com/r/wallstreetbets/comments/1rkxcve/comment/o8q9e10/?utm\_source=share&utm\_medium=web3x&utm\_name=web3xcss&utm\_term=1&utm\_content=share\_button](https://www.reddit.com/r/wallstreetbets/comments/1rkxcve/comment/o8q9e10/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) [https://www.reddit.com/r/wallstreetbets/comments/1rlfta1/comment/o8td0d4/?utm\_source=share&utm\_medium=web3x&utm\_name=web3xcss&utm\_term=1&utm\_content=share\_button](https://www.reddit.com/r/wallstreetbets/comments/1rlfta1/comment/o8td0d4/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) Here's a source for the hospital in germany, you can google more and find more information, or on twitter (X) which is currently suppressing and deleting any posts showing USA or Israel being damaged. [https://www.yahoo.com/news/articles/largest-us-military-hospital-abroad-185119943.html](https://www.yahoo.com/news/articles/largest-us-military-hospital-abroad-185119943.html) just warning you guys itll get worse. Usually within the first 35 days of conflict in history is when things drop the most, and then sort of consolidates and starts drifting downwards, before starting to recover by the 6-12th month. However with our economy, we might actually go into a 2008 type of recession. Just warning you guys. As to what i have been doing for the past 3 months, I've been slowly selling out of my growth and tech stocks, sitting on about 80% cash, have been holding SLV, GLD, some global etf's like VXUS (which i've now been reducing due to the conflict) as well as loading up on BNO.

AutoDefenestrator273

And VXUS!

ClaritXai

If you’re young and investing in broad funds like VTI and VXUS, short-term drops are actually part of the process. Markets move in cycles, and trying to jump in and out usually ends up hurting long-term results more than helping. What matters most is the time horizon decades, not months. If the companies and funds you own still make sense for your goals, temporary volatility isn’t something to panic over. In fact, for long-term investors it often ends up being the period where the best future returns are built.

DecembersDragons

You look perfectly diversified at least as far as stocks go. In such a strategy you don't try and time the market. You buy and hold.  But let's say you're like me and hold 7 individual stocks. Then you should be worried about damn everything. See the difference?  The best thing about a VTI VXUS portfolio is your mental health. Take advantage of it. NVDA's awesome but sell it if it keeps you glued to your portfolio. 

atlasburger

S&P 500 isn’t down as much in pre market. Dear leader will do everything he can to keep it from crashing. Since he is able to do anything he wants he will have a lot of latitude. I’m cashing out of my VXUS during market open. I’m not sure the rest of the world will fare well to high energy costs.

ToastandSpaceJam

VOO + VXUS and chill. This subreddit is not for us lmao.

RichardFlower7

Stick to VTI/VXUS don’t do a TDF…

bkkmatt

When others are selling, buy. VOO and VXUS are on sale. Will they go lower? Perhaps. Are they at the October 2025 price? Yes. Just snatched $50K of VOO and have no regrets. 

Pink-Pony-6398

I’m Panicking, bought right before the dip! Down 15% I am 21 and only started investing in November with a total of \~10k. I have 70% in relatively stable ETFs (VTI, VT, VXUS, SPXT, VIG, Nasdaq?), but that remaining 30%… wow. I’ve been invested in GOOG and Taiwan and they’ve done well for me. But a couple weeks ago I decided to buy some riskier ETFs because they had like 3-5 year major growth and didn’t seem too volatile (like a random startup). These ETFs include South Korea, Spain, Brazil, Copper, Silver, and Gold. My portfolio was doing amazing. ALL of which are crashing hard. I literally bought days before the big dip when there was a tiny dip, figuring that when I check back in 20 years it’ll have some normal bumps but ultimately go up. But then Trump bombed Iran and everything fell apart. I have 50% of my net worth invested. I don’t know if these markets will come back well enough to make the purchase worth it. I know I should hold. I learned my lesson when I first invested and listened to my Crypto ex-boyfriend (who is very rich and told me not to worry, high risk high reward. And like an idiot I believed him), losing $800. But it’s still making me so anxious, people are saying this war could last for years, and I can’t help these emotions even though my logic is telling me to hold. Ugh. It just sucks.

TheAncient1sAnd0s

It's just a dead Iraqi schoolgirl bounce. /s For those who don't know (probably 75% of this sub) a dead-cat bounce is when a downtrend temporarily reverses course. The downtrend you should be seeing is American stocks (SPY, QQQ) versus foreign stocks (VXUS, CQQQ) ever since Nov 2024.

CapitanianExtinction

Everything's on sale at a discount.  I'd buy more, especially since I'll have time on my side.  Stick with VOO and VXUS 80/20

hikibi_hunter

This is an update of my post from last year. Since my last post, I’ve gotten rid of one company - G7 holdings (Japanese diversified retailer) - and added a number of new companies. The new companies are: Internet Infinity (Japanese eldercare), MTN Group (South African telecom & fintech company operating across Africa & Iran), FIH Group (Falkland Islander Conglomerate), and the Brisbane Broncos (Australian Rugby team). During 2025, my portfolio outperformed VTI (+23.0% vs +17.10%), and continues to do so YTD (+5.0% vs +0.22%). I did underperform VXUS in 2025 (+23.0% vs +32.36%), and am slightly outperforming it YTD (+5.0% vs +3.37%). I still haven’t added any US or tech companies to my portfolio, as I haven’t found any that’ve piqued my interest. I don’t really plan on adding any more companies, unless any of my holdings become significantly overvalued. I may switch from the Swiss ETF to a Canadian one or VXUS. |Stock|Country|Mcap|Industry|Weight|Total Return|CAGR| |:-|:-|:-|:-|:-|:-|:-| |Clínica Baviera|Spain|$917.4M|Eyecare|11.2%|\+101.2%|\+27.04%| |MTN Group|South Africa|$19B|Telecom & Fintech|8.5%|\+45.40%|\+77.62%\*| |cottaLtd|Japan|$37.1M|Confectionary & Beauty Salon Materials|8.4%|\+28.20%|\+8.17%| |Switzerland ETF|Switzerand|na|ETF|7.9%|\+22.10%|\+24.57%\*| |Jerónimo Martins|Portugal|$14.76B|Grocery|7.9%|\+26.13%|\+6.78%| |Eiffage|France|$14.13B|Infrastructure|7.8%|\+60.22%|\+15.48%| |Texaf|The DRC|$155.2M|Real Estate, Mining, Tech|7.4%|\+11.54%|\+8.05%| |GrønlandsBANKEN|Greenland|$272.7M|Bank|6.3%|\+69.85%|\+21.39%| |Internet Infinity|Japan|$25.36M|Eldercare|5.7%|\-4.20%|\-5.58%\*| |Metlen|Greece|$5.39B|Utilities & Metals|5.5%|\+15.54%|\+5.20%| |Van de Velde|Belgium|$464.8M|Lingerie|5.4%|\+7.90%|\+2.45%| |Brisbane Broncos|Australia|$115.8M|Rugby Team|5.0%|\-8.70%|n/a| |FIH Group|Falkland Islands|$40.7M|Conglomerate|4.8%|\-9.00%|n/a| |JP-Holdings|Japan|$398.7M|Childcare|4.2%|\-1.50%|\-1.08%| |MÁDARA|Latvia|$50.16M|Cosmetics|4.0%|\+2.39%|\+1.05%| \*means that I owned the company for more than 6 months, but less than 1 year. n/a CAGR means that I have owned the company for less than 6 months, so a CAGR % is not calculated yet. Geographic breakdown: 49.7% Europe, 23.3% Asia-Pacific, 15.9% Africa, 6.3% North America, 4.8% South America Sector Breakdown: 19.85% Healthcare, 17.84% Industrials, 13.61% Comms Services, 12.96% Cons Staples, 9.04% Materials, 7.83% Financials, 7.51% Real Estate, 5.76% Cons Discretionary, 5.52% Utilities, 0.08% Tech, 0% Energy Cap Breakdown: 31.80% Large Cap, 5.80% Mid Cap, 20.80% Small Cap, 22.70% Micro Cap, 18.90% Nano Cap

Jericho3434

Picked up more BABA today, looked kind of strong plus China sold off hard because of their oil situation. Got MSFT around $400 and added 60 more shares of AMZN around $209 last week. Will throw in 10k into VXUS and VTI each next week if we are really red.

Major_Fee_6130

Honestly your allocation isn't bad for someone between jobs - having a cash buffer makes sense when you don't have income coming in. I'd ignore the people saying 48% cash is crazy, because if you need to pay rent for 6 months that cash is doing its job. That said, a few things I'd look at: - Your international ETFs have a lot of overlap. VXUS and IEFA cover very similar markets, and VTIAX is basically the same as VXUS. You could simplify by just holding VXUS and SCHY (if you want the dividend tilt). Fewer funds, same exposure, easier to manage. - PAAS at 4.1% is interesting - you've basically got a gold + silver miner hedge going with GLD. Nothing wrong with that if it's intentional, but worth knowing your precious metals exposure is actually closer to 15% when you combine them. - Once you land a new job, I'd start DCA-ing that cash into the market over 6-12 months rather than trying to time an entry. Even just moving 5% per month into VXUS or a broad US index would reduce the drag. One thing that helped me get a handle on my own allocation was using investinsight.io - I had a similar problem where my holdings were spread across different accounts and I couldn't easily see the full picture. Being able to see your actual sector/geography breakdown in one place makes it way easier to spot overlap like what you've got with the international ETFs.

Rabitai_Trades

What VXUS actually holds is cap‑weighted across developed and emerging ex‑US. Japan is meaningful but not dominant. Europe + EM can easily outweigh a strong Nikkei day. VXUS trades in US hours. Market makers use fair‑value estimates (futures/ADRs/news since local close), not just last night’s official closes. You mentioned DXY +0.3%. Even modest USD strength can shave returns, and the relevant moves are JPY/EUR/CNY etc., not just DXY. There’s still uncertainty because intraday liquidity/hedging can exaggerate the open.

financiallythriving

Almost a 8% drop on VXUS this week, ouch

ShortHabit606

Why do you need any of this crap at all? If you just want SP500 then buy VOO* and buy as much as possible as quickly as possible. Focus your energy on making more money at work to buy with as soon as possible and not timing the market. Timing the market is not possible. It just doesn't work. (*Or VTI + VXUS if you want to go broader)

RipWhenDamageTaken

USD still down from 1 year ago. VXUS still outperforms SPY for the last 1 year by 10%. What’s your definition of “rallied **hard**”?

cjorgensen

You replace the get rich quick mentality with the get rich for certain mentality. Get Rich Slowly. At 33 the most valuable asset you have is time. You're 32 years away from 65. That's a lot of time for interest to compound and for stock to appreciate. Get yourself a Roth and max it out every year. Read and understand your employee benefits and take advantage of them. Get your 401k match. Put extra into your 401k if you can afford to to get the tax breaks. Invest in boring broad market index funds like VT or VTI/VXUS. Be consistent and act with purpose. The only other variable you control is your income. Do what it takes to make yourself more marketable. Get more education, certifications, or whatever your field looks at to make your wage higher. Make yourself marketable. There isn't a secret plan to wealth. Just spend less than you make and save and invest the rest. Live within your means and try to increase your income while decreasing your expenses. Then come back and read this post in 20 years.

DudeWithTudeNotRude

Probably max 401K and HSA first if reasonable. But personally I'd keep 2-3 months of salary in the hysa, and have the rest of my Emergency salary/house/car Funds to brokerage, maybe split into something like salary in Money Market, house in SGOV, and car in BNDS. As long as you have a few months salary that is easy to access, your credit cards, HELOC, et al can cover you for the ten days it might take to get to the rest of your emergency money out of brokerage. I wouldn't call it optimal, but it's a good intro to how taxes and everything are different in brokerage, and now you have a platform ready for after you've maxed all your tax-advantaged accounts. Taxable brokerage is where I tend to have "smaller" or more focused indexed ETFs, if that makes sense. If everything was available to all my accounts, I might have the most fund index like VT (with maybe some bonds) in 401k for simplicity, then in ROTH IRA would be VOO (with less/no bonds) since I want the most tax-free growth possible there, but then in brokerage, instead of VT I'll use smaller ETFs like VTI + VXUS (which together they are very similar to VT). That way i can benefit from the foreign tax credit in the brokerage, and I have more flexibility for re balancing as needed over all of my accounts. And bonds will go heavier into which ever account has a compelling tax reason. E.g. if I have a high state tax, some bonds might make more sense in brokerage, but otherwise I'll probably have more bonds in the 401K. Be careful of having the same funds (or funds that are practically identical) in brokerage that you have in other accounts. If you ever get to the point of tax-loss harvesting in your brokerage, you can't use that if you have the same or similar-enough funds in your tax-advantaged accounts. I'd lump sum from HYSA Have a plan for retirement, and then ignore dips until you are close to retirement (or have a plan that includes buying more during dips to benefit from the discount, but I'm not smart enough to time the market like that). Your plan should include the possibility of a crash during retirement. If you aren't actively spending money from your accounts as income-replacement, such as you would during retirement, then downturns mean little (unless we finally have The Downturn That Never Upturns Again, in which case, have extra ammo and water, since your accounts probably won't matter) You plan should cover all your accounts. If you want 10% bonds now and 50% bonds closer to retirement, that would apply to all your investments. Your accounts don't have to have the same distributions ides each one. Remember that only ROTH dollars are showing you your real invested dollars. E.g. a good portion of that money in your 401K belongs to the government, so subtract 22% if you want to know how much money you have in there (or subtract whatever your tax bracket will be in retirement, which we unfortunately can't know). For brokerage, it's more complicated.

Shah_an_shah

VXUS is hurting right now.

Armyman2007

I have been adding to VXUS this week. I think k short term you will see it drop more but in a few weeks will be back in bull mode.

ThermalChaser

I was looking like a genius with my 401k all in VXUS up until a couple days ago.

Key_One2402

VXUS can move differently because of currency effects and how the ETF tracks and rebalances its holdings throughout the trading day

iprocrastina

Sigh...finally dipped my toes into single stocks last week after years of only going VTI+VXUS. Put $20k into a basket of stocks that was doing really well right up until this week and now I'm down thousands. Like goddammit, if I had waited less than a week...

financiallythriving

VXUS on its way to wipe out YTD gains It’s over international sisters

Just_Butterfly4052

VXUS touched me inappropriately

Just_Butterfly4052

I am now a VXUS baggie

boraboca

The Kopsi was down big Wednesday but VXUS was up yesterday

jimmydooo

I'm well aware of the different trading times, I guess I just didn't respect their ability to price-in changes beyond normal trading/futures markets. I also see now that Nikkei futures plummeted, which matches the VXUS chart's fall starting around 6am. As for currency impact, $DXY only strengthened \~.3% at market open, not nearly enough to make such a meaningful difference. Yes I realize that is a broad indicator, but both the Yen and the Pound actually fell less than that versus the dollar.

Bossanova12345

VXUS is up 3% since March 3rd. US stocks just rebounded faster.

catecholaminergic

VXUS

AceMaxAceMax

Set and forget in VT or VTI/VXUS, plus recurring investment.

Dr_VanTasstik

Looks more complicated than it needs to be. Consider just going with VTI + VXUS if you are planning to buy and hold. Your current portfolio has a lot of tech and tech correlated concentration and some higher risk items (pharmaceuticals).

Arcabyte

Why not just buy ETFs instead of mutual funds? Since you're a US citizen, buy US domiciled ones. You could open an Interactive Brokers account using your Social Security Number and invest in ETFs like VOO, VTI, VXUS, etc... It’s cleaner, tax-compliant, and will save you hundreds of hours in spreadsheets. You might also be able to open a ROTH IRA using IBKR depending on where you reside.

RagnarokWolves

Diversity is good. If you want to have some direct control over how much is allocated between US and international, you can do VTI (mix of large, mid, and small US stocks) and VXUS. (International, non-US stocks). VT is currently weighted about 60% towards US stocks. But it'll automatically restructure if US starts to lose global dominance.

sc181818

Maybe when you grow up you’ll realize what a ridiculous statement you just typed. I hope your kids enjoy all the money you left them in your fantastic portfolio. I plan on using mine while still here. In 50-60 years I’ll be dead and you’ll be wondering why you bought VXUS.

MomentPrestigious180

VXUS beats SPY lmao, yea, was biscuit breaker a joke?

AltoDomino79

Just check the S% P 500 or VXUS price on Google. It’s way less harmful psychologically than checking your actual portfolio $ amount.

sc181818

I work in equities for a living and do quite well so I enjoy the humor in your statement. Good luck with VXUS. I pick what I know I don’t just buy things to make myself sound smarter with a ‘geographically diversified’ portfolio. AKA I KNOW NOTHING AND WANT TO COLLECT EVERY ETF to just have exposure to everything. “Diversification is the enemy of performance”. Invest in what you know with conviction.

KumingaCarnage

I don’t. VTI/VXUS on a 70/30 split in my taxable brokerage accounts. FXAIX/FSPFX in my Roth IRA. Lump Sum, DCA, who cares. I just buy, buy, buy and live my life

blorg

It's a lot worse than that in the broader world market. VXUS is down 7% in the last week.

wandererarkhamknight

VOO is S&P 500. VT is global market, VXUS is ex-US market. VOO alone isn’t necessarily bad. But adding international will give you exposure to more market and the benefits of diversification. Generally US and international takes turns. Lots of people had started investing at a time when US market is on a bull run. So there is some bias towards US market.

Virtual_Rest6107

I’ve been doing 50/50 VOO and VXUS Things are nuts either way so expect it to go down in the near future

Important_Shirt_1567

why do VT and VXUS seem so much more volatile than spy right now? VXUS doen 4% and VT down 2% , while VOO only down less than 1%?

Important_Shirt_1567

Any idea why VXUS AND VT got hammered while SPY was down less than 1%?

Cav829

Everyone here like VXUS in shambles, but you do know in the last 3 months VXUS has made 5.5% while SPY has lost .6%.

AirwickS

VXUS in shambles. Anyone check in on r/bogleheads?

Sick0h

Cackling after realizing fucking VXUS was down 3.45% today. What in the broad diversification is this shit.

Stunning_Demand_

Spare my VXUS please 🙏

IDrinkSulfuricAcid

This korea shit would be funny if I didnt have like 5 months salary in VXUS

Stunning_Demand_

Korea and Japan get it together, I have shares in VXUS

KumingaCarnage

If you’re in on VXUS you felt it hard today. my entire portfolio is down 1.7% today, that’s nothing. People just love fear mongering.

Cruian

>People on here have a lot of recency bias on VXUS, outside 2025 VXUS drastically lagged SP500 for a decade And people in 2023 had a lot of recent bias for a US only portfolio. That's some people, myself included (I can give a custom from 4+ years ago), that always argue in favor of a globally diversified portfolio. Going global can be beneficial to both returns and volatility in the long run compared to a US only portfolio. That's plenty of times where market favor is outside the US. All excess returns going back to your pick of 1970, 1965, or 1950 are only from 2010 through now, that means we saw a roughly 60 year period where the end winner would have been ex-US, not the US. Going back to 1970, over 40% of rolling 10 year periods favored developed ex-US over the US (that's not terribly far off from a coin flip). >From 2012-2022 excluding dividends you would have broken even From 2000-2009 the US was NEGATIVE even with dividends. US small caps did better than large and international (especially emerging) beat the US. You can't pick the winner over any x year time span and think that all time periods of the same length will play out like that. >You probably would feel pretty dumb going for ‘more diversity’ on 20-30% of your portfolio while US almost 4x your $ in that same timespan. You'd have felt even worse to be a US only investor over the previous decade in early 2010. >USA is the market to own long-term, * The US was only the 4th best developed country to invest in from 2001-2020, 5th if you include Hong Kong: https://www.evidenceinvestor.com/which-country-will-outperform-next-is-irrelevant/ (archive link: https://web.archive.org/web/20240527200134/https://www.evidenceinvestor.com/which-country-will-outperform-next-is-irrelevant/) or shifting that to 2002-2021 drops the US to 6th (and a proper 6th this time, as Hong Kong dropped further, to 10th): https://www.saltmarshcpa.com/cpa-news/blog/which_country_will_outperform__here_s_why_it_shouldn_t_matte.asp or if that doesn’t work: https://web.archive.org/web/20250422033628/https://www.saltmarshcpa.com/cpa-news/blog/which_country_will_outperform__here_s_why_it_shouldn_t_matte.asp In addition, not too long ago, at 120 years, Australia beat the US. >but for a long term hold portfolio that isn’t always optimal. We've seen periods, even long ones, where geographic diversification would have helped at the end. Citations are available for any claims I made.

sc181818

See this kind of proves my point. Just getting more ‘exposure’ doesn’t mean you are getting higher rate of returns. You are just spreading your portfolio thin to encompass all markets. Which is fine but what does that prove? To me it sounds like you care more about sounding fancy and role-playing investment specialist rather than garnering returns like one. Just because something is more complicated doesn’t make it better in anyway, especially when it comes to long term investing. People on here have a lot of recency bias on VXUS, outside 2025 VXUS drastically lagged SP500 for a decade. From 2012-2022 excluding dividends you would have broken even. $45 a share in 2012, $45 a share in 2022. AFTER HOLDING FOR A DECADE. SP500 in that time went from $125 share to $415. You probably would feel pretty dumb going for ‘more diversity’ on 20-30% of your portfolio while US almost 4x your $ in that same timespan. USA is the market to own long-term, if you want to sound fancy and technical by saying ‘diversify’ or ‘geographically diversified’ feel free but for a long term hold portfolio that isn’t always optimal.

rufio313

I’m a VTI + VXUS man myself

Dizzy-Monk-

I think OP meant VTI/VXUS, or VOO/VXUS. VOO is S&P 500 and VTI is Total US Market. It’s only necessary to choose one of them.

TreGet234

VXUS still doubling spy's 6 month performance.

___Art_Vandelay___

As a mostly Boglehead type who's been considering finally investing in some VXUS instead of all VTI, sounds like the upcoming few weeks/months may be a great time to start a position.

financiallythriving

VXUS turning into a meme. Once it’s on the daily thread ticker it’s over

InvisibleEar

You know VXUS is still massively beating spy ytd right

DigitalDensity

To elaborate on this, OP, FZROX is a zero-expense VTI and FZILX zero-expense VXUS. As others have said, this combination gets you (nearly) every publicly traded company. The only caveat here is you’d have to decide what you want your US vs Ex-US allocation to be which would be avoidable with VT. Something to note, these are not ETFs like how the Vanguard funds are. You place a buy or sell order for however much in dollars or shares and buy/sell when the NAV changes for the trading day. ETFs (VTI, VT, VXUS, etc) are bought and sold throughout the day. If you automate investments and don’t plan to actively trade the Roth IRA (which shouldn’t be done anyway), this is a non factor but I know some people get antsy about it. Last, these are Fidelity-locked. If you ever want to move your Roth IRA elsewhere, you’ll need to first sell the shares of the funds before you move the money elsewhere and buy the other ETFs/index funds in the other broker. In a tax sheltered account like a Roth IRA, this doesn’t really matter. In a taxable brokerage, this’ll force you to recognize gains or losses and to pay taxes on those gains. All that being said, I love my Fidelity Zero holdings and would definitely recommend them so long as you have no plans to move out of Fidelity any time soon.

RamCockUpMyAss

SPY down 1% at most despite a war that could last significantly longer than anticipated. U.S. market is fucking indestructible at this point. I doubt even tactical nukes would cause anything more than a 2% dip over a week period. VXUS getting clobbered as expected, lol

Late_Exercise8462

Look at the long-term chart of VXUS compared to VTI and you'll remember why some of us stopped bagholding international

ShutupBird69

VXUS taking a beating

Ardbert_The_Fallen

VXUS is just [barely](https://i.ibb.co/rRLcJ6dP/image.png) lower than it was a month ago.

molski79

Well I'm not going to lie, I am weak and my VXUS just took a major pounding. Can't say I'm not tempted.

Just_Butterfly4052

Same I'm bagholding VXUS rn

Excellent_Row8297

BND, GLD, VTI, VXUS all down in my portfolio today. But PINS is ripping. Who would have thought PINS would be my safe haven.

No_Cod972

I guess it is possible for VXUS to go down while Trump is in office.

UVIndigo

No Doordash for me in March - all my discretionary just went into my Roth to buy some VXUS when it was-5% and the bleeding is already slowing now.

Luxferro

I just sold $50k of bonds from my IRA and bought VXUS. 7% drop between yesterday and today. I'll reset my bonds after it recovers. I'll do some more if it drops to 0% YTD, which would be another -3.5%.

GomaN1717

Silver lining for today is getting a lil' discount on VXUS for the first time since the gradual run up lol.

BraveG365

Why is VXUS taking such a hit....I would have thought an international fund would be doing better then a US fund at the moment?

Poundcake2RedVelvet

I sold $15,000 worth of VXUS in my Roth last week and today I bought $1,500 back. yeah baby we're timing the motherfucking international bull run market to a T this time. let's see how low this thing can get. I'm buying again at $75, then going all in @$68 (because it is in between 6 7 and 69 🤣🤣🤣🤣🤣🤣🤣)

Deadsea3132

VXUS must be a no brainer?

rsisido

Buying VXUS and VTI

Electronic-Advisor72

VXUS down 5% 😭

AegonTheMeh

VXUS down more than 4% oof That’s what I get for trying to diversify

mattyp11

Holy shit, VXUS.

I_work_too_much

Jesus VXUS gonna be down 5% today lmao.

advantage_player

My VXUS calls are COOKED