VXUS

RickDick-246

I didn’t think of short term trading although it is to a degree. My plan was to hold VXUS through US turmoil. It’s very much a gut feeling to figure out when that is over. Once I feel as thought things are progressing in the right direction, I’ll sell all my VXUS shares that are long term and then sell shares as they hit the 1 year mark until I get back back 60/40. It’s definitely timing the market but for me it was more about protection of assets over chasing gains. I felt as though the US market was going to dip based on a variety of factors and wanted it to be more international focused. Definitely could have gone another way but it didn’t.

jk147

I wasn’t clear, context is really that VTI tripled in 12 years while VXUS lagged until this year. Since I originally had exposure for international I am just going to keep everything the same.

Beach-Knight

Not a professional financial advisor. I’m assuming it’s a truly legit question, so I’ll give you a truly legit answer. You do not seem like the type of person who is going to spend most of your life studying markets and business nor do you seem like the type of person, once you have this footing to use, that will read through company reports well enough to make better choice than the majority of people who do it for a living. Therefore, you should not try to beat “the market”. Instead, just buy index funds like Voo, VTI, VXUS, or if you want the whole enchilada in one, VT. There are many other low cost options on top of those. By far, most people under perform the market long term. You very likely are not the exception.

drew-gen-x

I'm up over 8% on $VXUS and $EWJ, and over 6% on $GLD and $VT since buying the bottom 5-10 days ago? And these are indices and not stocks. We are way overdo for a pullback. Just wait until this place turns bearish again and buy & add more. There's no reason to chase here. The 200 DMA has been a great buy indicator for World plus US and World ex US ETF's. Buying $GLD when gold pulls back to $4400-$4600 has been a good buy indicator as well. I've been spending a little money here & there & buying this pullback in AT\&T; but I'm sticking w/ 90% EFT's. I'm not smart enough to pick the winners in this crazy market. Don't get too bearish, but also don't get too greedy.

HipOut

But how do you know when to start adding VTI again or do you just wait plan to hold VXUS forever now? Personally I’m not interested in short term trading or swing trading my retirement funds based on how I perceive the news. It’s too much guesswork and I won’t always be right. Most people don’t beat the index over time. I just kept buying VTI and VXUS both during the dip

burn_bridges

In January I moved about 20% of my portfolio that was in VTI (domestic) into 10% VXUS (international) which needed done anyway for a healthier balance, and the other 10% into 3-month bonds at 4%. I just re-bought on the bonds for another 3-months earlier this week. Waiting and seeing. Maybe I miss gains on the 10% bonds, and that’s on me. Maybe I get to deploy them at a discount. Waiting and seeing, and the move is a portion of my portfolio I am comfortable straying from a 100% wait and see (as default).

drew-gen-x

You're gonna have to wait for a glitch in the Matrix to appear for a full market crash. It's all 0's and 1's on your screen. Being serious thou, the market is acting very similar to 2000-2007. We just didn't call them Josh Brown HALO stocks in 2001. But those stocks plus gold & commodities have been outperforming the $SPY for quite awhile now. The $IGV software stocks have been crashing just like 2000-2007. The $QQQ as a whole has vastly underperformed world stocks ex US or $VXUS by over 10% these last 6 months. If you look hard enough, the glitches in the Matrix are starting to appear. People are just blind or numb to it all because they are all too busy just staring at the $SPY.

princemousey1

I don’t understand what you’re saying. Isn’t VTI just VXUS + US? So if VXUS barely moved and VTI 3x, isn’t it saying US gained a 3x?

whywires

I recently inherited a managed brokerage and merged it with my own brokerage. My portfolio has been pretty simple - target fund, QQQM, SCHD, and VXUS. But the managed brokerage is a hodgepodge - multiple bond funds, multiple S&P 500 funds, several international region funds, etc. For instance, the managed brokerage has SPY, FXAIX, and VFIAX. That's crazy overlap. What's a good strategy for remedying such overlap without getting crushed on capital gains taxes? Is there some simple solution that I'm blanking on?

ZombieSalad

VXUS up 13% last 6 mo vs VTI up 5% last 6 mo, hope this helps.

__redruM

I usually keep 10-15% in international, but it’s never performed on par with my US allocation for more than a few months. https://www.composer.trade/etf-comparisons/VXUS-VTI

BurtonAllen-TA

Something like 70% of the largest multinationals in the world are US-based (even if a ton of their income comes from elsewhere). VXUS isn't diversification, it's basically just a pure concentrated gamble against those companies. It's been great over the last \~14 months, pretty terrible over any other time horizon, and probably not something I'd call a "sound financial decision" - it's a bet. Bets sometimes win and sometimes lose. I'll take VTI diversification over a concentrated gamble against the biggest multinationals going forward.

BurtonAllen-TA

International (e.g. VTI) or fully ex-US (e.g. VXUS)? I've found a lot of investors unfortunately don't really understand the difference.

Brave_Tree1859

Bit tangent, I looking to buy more international during the dip, VXUS and I looked into its composition, I figured I’d just buy TSMC.2200 something. However, Fidelity won’t let me buy this directly. Anyone know what other ticker represents TSMC to buy it directly?

wandering_engineer

Same. I haven't gone 100%, but my brokerage is majority VXUS now. Started adding more international into my TSP as well.

laurenthu

Been doing the same since late 2024. The US has been such a dominant performer that it's easy to forget mean reversion is a thing. European equities are trading at roughly half the P/E of the S&P right now, and currency diversification matters more than people realize when you zoom out to 10-20 year windows. I went from 15% to about 30% ex-US - mostly through VXUS and some targeted EM exposure.

laurenthu

Been doing the same since late 2024. The US has been such a dominant performer that it's easy to forget mean reversion is a thing. European equities are trading at roughly half the P/E of the S&P right now, and currency diversification matters more than people realize when you zoom out to 10-20 year windows. I went from 15% to about 30% ex-US — mostly through VXUS and some targeted EM exposure.

jk147

I went VXUS 12 years ago, 30% of the amount I had in my brokerage account at that time. The other 30% went to VTI. Well, VXUS barely moved till this year and VTI more than tripled this time. I guess I will just leave it as is.

Uniquename34556

International markets over all but especially the developed ones are outpacing SPY by quite a bit. VOO is down -3% YTD while VXUS is up about 6%. That’s a 9% swing which in a slow market is huge.

RickDick-246

I’ve been 100% VXUS since the back and forth on tariffs. I can’t think of a better financial decision I’ve made outside of a 2.9% mortgage.

dubsesq

No idea that’s why I just DCA VTI and VXUS

roma258

I have Google, VTI and VXUS as my fundamental stocks/ETFs.

Over-Computer-6464

IMO you have a good plan. I would consider 2 years of expenses in cash like holdings and the rest of your portfolio broad market stock ETFs like VTI (US) and VXUS (international). I would not bother with bonds or bond ETF. Research carefully the optimum times to start taking social security, particularly if there is a big difference in the benefits of you and your spouse. In that case the lower earning spouse can start taking social security early and then when the higher earning spouse starts benefits at full retirement age or later the lower earning spouse can switch to start collecting 50% of the other spouses benefit. (Rule change and ai just have a crude understanding, so do your own research).

MoreThanLuck

Here's my rough portfolio right now, though it's definitely a work in progress. I was initially aiming for roughly 50% VOO, 25% VXUS, 10% each AVUV and SPMO, and 5% individual stocks. I'm in my early 30s, willing to take on a bit higher risk for more growth. That said, I'm a bit over-invested in semiconductors, no? Was thinking about divesting the SPMO for more individual stocks in another sector, maybe pharma or green energy. Right now, I'm adding roughly $250/month, and not really increasing my positions on anything but the ETFs. |**VOO**|45%| |:-|:-| |**VXUS**|23%| |**NVDA**|10%| |**AVUV**|9%| |**SPMO**|9%| |**TSM**|4%|

drew-gen-x

Buy some beer & listen to some good music. Then I would go 50/50 and buy 50% $VXUS and 50% $VT. You made a decision so lets use that decision to diversify to 50% World ex-US and 50% World plus US. You made a move so you might as well make a change. This should keep you away from a possible wash sale flag as well.

Ok-Outside-8419

I put $500 into a vanguard brokerage. I truly don’t remember how I selected what I did but the breakdown is BND, BNDX, VTI, and VXUS. Maybe I selected a target date fund? I don’t see that listed anywhere. Anyhoo, there’s $13 listed in the settlement fund section. Should that be reinvested automatically? Do I need to do something? I haven’t added any money to it since I opened it. It says total is $594. So it is being reinvested? Do I need to pay taxes every year? Is any growth considered taxable income? Is a brokerage worth it? I might just leave it and not add if it’s too complicated 😵‍💫 I max my Roth and invest to my 401k so thought it’d be good to have a brokerage. But it’s stressing me out! I just want ot set it and forget it like the other accounts

BluesFlute

Long term, this all inflationary, likely weaking US dollar too. VXUS is a good place to start. VEU, VNQI too. I suspect the Hormuz transit taxes will be highly negotiable.

drew-gen-x

$VXUS and chill. Well don't chill, but BTD's. We are arguing the same side. US stocks are expensive. The economy is in the shitter. But the money printers are gonna go Brrrrrrrrrrr Hedge w/ 10% $GLD position.

sundubone

Cash is there just in case so just enough. Keep up with DCA. VXUS is up big today..so glad I kept kept my usual dca routine every Friday into that this past month lol

Limp_Technology2497

VXUS. GRID. And various miners.

bkkmatt

I’m heavy in VOO, but also DCA’ing VXUS, VEUSX, IDVO, and UFO. 

ThunderEcho100

Even better to have VXUS

ThePermMustWait

We inherited an acct for Raymond James. Similarly concerned about fees but decided to keep it there for a year while we figured it out. We switched it to fidelity to manage on our own. I wish we had done that from the beginning because they were way too conservative and we lost out on gains from tech last year we would have had had we invested in VTI, VXUS like we wanted to do with it. They talked us out of it. We also got put into some buys that we can’t get out of for a couple years which is very frustrating. Then we had fees. Anyways, it’s noble to try to protect yourself against making bad decisions but I think if we had done it on our own, we wouldn’t have done anything bad in hindsight. Really think about what you would do, not what is typical advice after a loss. 

midgetgrimm

Alright, so over the last few years I changed jobs, and I have put all my rollovers in one spot. So here is what I have, and I feel like having this in individual stocks like this is not ideal. Should I be putting this in an actual retirement fund like a 2045 or something? I would rather set and forget these and just contribute to them now each year. So I have my current job which has a 401k that i contribute 12% and they match 4% in. That is separate from this conversation of my two rollover IRA's, one rollover and one roth, totaling about $28,203.36. When I consolidated them I had paid for an advisor and he chose the stocks to buy, and some did really well, but then he started trying to upsell me on some insurance stuff I didn't want. The only things I have added on my own volition to these are the SPY, VTI, and VXUS since then. I am just looking for some guidance, or questions I need to ask myself that I am not seeing or doing. The first one is the Rollover IRA: $11,459.97 (overall: -$1,451.93 / -11.25%) * CRWD - CrowdStrike: shares: 6.066 | cur val: $2,567.31 | %acct: 22.40% | g/l: +$331.51 / +14.82% * MSTR - Strategy Inc: shares: 10.391 | cur val: $1,285.57 | %acct: 11.22% | g/l: -$2,714.34 / -67.86% * NVDA - NVIDIA: shares: 27.413 | cur val: $4,882.25 | %acct: 42.60% | g/l: +$882.30 / +22.05% * RDDT - Reddit Inc: shares: 7.566 | cur val: $1,067.86 | %acct: 9.32% | g/l: +$100.97 / +10.44% * SPY - S&P 500 ETF: shares: 2.513 | cur val: $1,656.61 | %acct: 14.46% | g/l: -$52.37 / -3.07% The second is the ROTH IRA: $16,743.39 (overall: +$3,126.65 / +23.01%) * AVGO - Broadcom: shares: 14.155 | cur val: $4,727.34 | %acct: 28.23% | g/l: +$2,227.48 / +89.10% * NUE - Nucor Corp: shares: 16.211 | cur val: $2,808.71 | %acct: 16.77% | g/l: +$188.16 / +7.18% * RCL - Royal Caribbean: shares: 18.002 | cur val: $4,819.31 | %acct: 28.78% | g/l: +$819.45 / +20.48% * VTI - Vanguard Total Market: shares: 12.955 | cur val: $4,215.94 | %acct: 25.18% | g/l: -$117.55 / -2.72% * VXUS - Vanguard Intl: shares: 1.845 | cur val: $143.94 | %acct: 0.86% | g/l: +$9.11 / +6.76% I also just realized that I can and should be contributing to these every year, up to $7,500, which I plan to do this year. I just want to do it right and according to my goals that I don't think I am set up for. Thanks in advance to any and all help, much appreciated!

drew-gen-x

I BTD on more World stocks ex-US & Pacific Asian ETF's than anything else this time around. $EWJ, $VPL, $VXUS, and $GLD made up 80% of my BTD buys for the last 2 weeks. There's so much growth to like in this region & the stocks were hit harder than most since they are more energy dependent than many other regions. Higher risk, but also higher rewards.

bkkmatt

ETF’s (VOO, VXUS) and I just grabbed $5K of MU when it was down $10 per share. It ended down .18, so that was a nice buy and it’s in the wife’s Roth IRA. I’m thinking big green tomorrow, then sell.

thereddituserusa

VTI and VXUS. VOO is already part of VTI. You get broader diversification with VTI.

jboy9622

Honestly for me since I’m invested in Vanguards TDF in my 403b I don’t mind it since my job doesn’t offer a match so I’ll just throw money into it and just forget about it. I’ll just focus mostly on my Roth IRA which is invested in VT and taxable that has VTI and VXUS.

drew-gen-x

I timed the bottom in $VXUS. That was my biggest BTD. I bought at $74.45 and $75.39, both around 200 DMA. I'm more bullish World ex-US than World plus US. But I figured I need exposure to US stocks as well hence buying $VT and $IGV last week.

drew-gen-x

You may be right, but $VT did bounce off it's 200 DMA once again today. I just added $VT to my port as well and I am done. My port is where I want it to be. If you look at the charts for the whole world markets ($VT) vs just USA markets ($SPY & $QQQ) ; you could make the call that the bottom is in. We have already bottomed & retested & bounced on $VXUS (world ex-US). We are all gambling here at the end of the day. I could be wrong. But I see a reverse head & shoulders pattern forming on $VT (world plus US). I'm ignoring the $SPY and $QQQ here and looking at the bigger world picture.

350

>!Dollar cost average into VT or VXUS/VTI and chill, seriously.!<

Uniquename34556

As a new “play it safe” investor VXUS is my highest performing ETF this year and doing well compared to VOO for this year. I also wish I knew VDE or XLE are good hedges against inflation. These same ETFs were just doing ok when I first started 2 - 3 years ago. More I learn I think it’s just best to cover ground for a variety of different cycles that tend to occur, weigh accordingly to your goals, and just mostly let auto invest run the show. Don’t overthink it don’t chase the trend and don’t mess around with your allocations too much.

-Teto

I repositioned into VTI/VXUS when they were down 10/12% respectively. I expect more downturn. Also, I'm so fucking sick of seeing these bot posts. Only a bot uses “ and ’

teerre

Probably because it has been asked and answered a million times and the answer is that it doesn't? Most funds that boggleheads use won't be affected by this (VXUS obviously, VTI, VT) more than affected by a company like Tesla today

InvestingNerd2020

WTF! Just do a simple 2-fund portfolio with Vanguard. They offer fractional shares for their ETFs. - VTI with 80% allocation. - VXUS with 20% allocation.

drew-gen-x

Unfortunately I think the market is bored of the Iran War. All the market cares about is "has the price of crude oil peaked"? The fact that $IGV can't rally makes any potential move for $QQQ above 200 DMA problematic thou. I'll stick with BTD in $VXUS as long as it holds above it's 200 DMA. US indices are in a bad spot right now.

Perfect_Ad_3701

SPym and VXUS is a solid choice if you are just starting or a seasoned investor

drew-gen-x

90% ETF's, 10% stocks. $VXUS, $GLD, $EWJ, $IGV is how I'm weighted now. I might add $VT and I'm not totally convinced $IGV is a long term hold. It's just more reasonably priced than the value $SPY names right now. Long foreign stocks & gold.

drew-gen-x

I tried to post $VXUS holdings compared to $VT but the comment was flagged for pumping penny stocks since moderators can't tell diff b/w Novartis AG w $258B market cap vs some similar US stock. But anyway......if you use Yahoo finance or any stock ticker check you can go to holdings and it will list the Top 10 holdings for any ETF or mutual fund. I would look for World ex-US over World plus US. If you compare $VT vs $VXUS for example the US stocks are all in the top 10 b/c they are overweight US stocks, but they do include foreign world stocks as well. But $VXUS doen't have any US stocks, and is 100% foreign non US stocks. You can check the same for $EWY, $EWJ, etc. Hope that helps.

drew-gen-x

You can find most of this info under holdings for ETF Indices. If you want foreign (non US stocks) you need a World ex US ETF otherwise World plus US is gonna be dominated by US stocks. $VXUS and $EWY are 2 of my top 5 holdings. $VXUS (World ex US) Top 10 Holdings (11.80% of Total Assets) [](https://finance.yahoo.com/quote/2330.TW/) Taiwan Semiconductor Manufacturing Company Limited**3.43%** [](https://finance.yahoo.com/quote/005930.KS/) Samsung Electronics Co., Ltd.**1.59%** [](https://finance.yahoo.com/quote/ASML.AS/) ASML Holding N.V.**1.29%** [](https://finance.yahoo.com/quote/0700.HK/) Tencent Holdings Limited**0.92%** [](https://finance.yahoo.com/quote/000660.KS/) SK hynix Inc.**0.91%** [](https://finance.yahoo.com/quote/ROG/) Rogers Corporation**0.76%** [](https://finance.yahoo.com/quote/9988.HK/) Alibaba Group Holding Limited**0.73%** [](https://finance.yahoo.com/quote/NOVN.SW/) Novartis AG**0.73%** [](https://finance.yahoo.com/quote/HSBA.L/) HSBC Holdings plc**0.73%** [](https://finance.yahoo.com/quote/AZN.L/) AstraZeneca PLC**0.71%**

OmahaOutdoor71

Market is only down 5% from early February. Before jumping in can you handle a 10% drop? 15% drop? 20% drop? Not saying those are going to happen but there is a very real possibility it can. I'm staying invested and only selling to tax loss harvest. I buy VT, if it goes to shit I sell, take the loss and immediately buy VTI and VXUS. The world is insane right now, so I expect and know there will be much volatility. Just have a plan for it.

drew-gen-x

We have 2 trades going on in the market right now. 1. The war/crude oil/ the economy sucks trade. 2. The DXY devaluation trade. DXY is back under 100. World stocks ex US are moving higher than $SPY on that trade this morning. If you look at the 3 month chart for $VXUS, that world indice ETF had a beautiful bounce off it's 200 DMA after putting in a double bottom. I think the bottom is in until Big Tech / AI cap ex hyperscalers start reporting. We may not get the deflation I was looking for if all world CB's go Brrrrrrrrr at the first sign of cracks in the economy.

pao_zinho

VXUS goes down. VOO goes up. 

hewhosleepsnot

VXUS

Machine8851

I did notice in the last month that international has been more volatile. VXUS was dropping 2% or more on a few occasions.

NineSidedBox

Continue buying back what I sold early last month; VXUS, VOO and some JEPQ. If RKLB and ASTS dip again, buy again and sell for 10-15% profit a week later, again.

zzzerocool

VTI, VXUS, BND, BNDX - Vanguard version ITOT, IXUS, AGG, IAGG - iShares version In order: Total US Stocks, Total International Stocks, Total US Bonds, Total International Bonds If you get a target date fund at Fidelity, Vanguard, or Schwab, it puts you in a combination of these. Schwab is slightly different in that their target date funds don't use international stocks from developing nations (only developed) or international bonds.

nauticalmile

The TDF OP mentioned appears to be a CIT with a 0.075% ER, maybe a couple of basis points higher cost than DIY-ing an equivalent out of VTI/VXUS/BND? That’s a pretty negligible cost difference.

rufio313

Why not something more diverse like VTI with some international exposure through VXUS

AnimaTaro

VXUS is not tech heavy, it has 20% in financials and 12% in technology (3rd in the pie chart). If you are fine with smaller assets under management, alternative is DFAX (dimensional ex us - usually fairly well traded with tight bid ask spreads) with 17% in financials and 10% in technology (5th item in pie chart) -- holds financials, industrials, other (?), consumer discretionary, then tech. Be aware though that all of these (ex us ETFs) had significant run-up Q4-25,Q1-26 - my guess for what it's worth is they will be sideways for a while.

baldneenja

As others have said it’s over complicated. 80% VTI 20% VXUS It’s a tidier easier buy and forget portfolio you can just keep adding to

OhioSneakerHead

I am going to get a lot of heat for this but crypto. Was able to run about 2k to just short of 3 million over 7 years. Would not recommend it to really anyone and fully recognize the majority was pure luck. Divested, paid my taxes, and jammed it into the VTI/VXUS.

Coloradodreaming1

VXUS VPL IEUR AVDV and others like EWJ EWU and EWC and VT for me. I’m not even 10% international exposure right now and playing catch up to get diversity away from MAG7.

murpium

My recurring buys in my Roth are 40% VOO, 15% SMH, 15% VXUS, 15% AVUV, 10% AVDV, 5% IAUM. For cash brokerage it’s 40% VTI, 25% VXUS, 20% AVUV, 15% AVDV.

gacdx

Mid 40s and sitting on about $750K in SGOV and another $100K I planned to put into the market. I set some levels to buy at and am nibbling VTI and VXUS. I know I’m not going to catch the bottom and I think we have another 10% to go but rather be in the market than miss upside. I’m still positive YTD.

SnooDingos6272

I recently turned 18, and have around $35,000 to invest. I have a car, like $200 debt (credit card which i obviously pay off in full monthly, and am currently unemployed (I quit my job not so long ago I'm wondering what the best course of action is at this moment (PFL below) I have $7,300 in a ROTH IRA (maxed) I have $14,000 in RobinHood stocks ($8,400 in VTI) ($2,700 in VXUS) $2,300 in a personal stock investment (LBRX) I have around $10,000 cash in my room as well (bad idea I need to do something with it) Should i continue to invest? Move my stocks around? Take out of stocks? ALL Tips are welcome, thank you.

jk147

Funny thing you mentioned VXUS because I have 30% total international for 12 years and it barely made any gains, while SP500 tripled in this time frame. It just started to ramp up in the last year or so due to the political climate in the US.

Puzzleheaded-Tone730

Im 21 and my current holdings are: Stocks: ITRG, NVDA, O, MU ETFS: VOO, IYJ, VXUS, ICOP

Individual_Blood3513

Gotta love the people saying VXUS. If VXUS existed during the lost decade, you'd still be cooked. The only thing that saved people's asses were small-caps, (certain) emerging markets, or a ridiculous amount of backup liquidity.

Over-Computer-6464

SPY is fine, but I prefer the more diversified total US market ETF like VTI. Since SP500 is 80% of the total US market there is not a huge difference between SPY and VTI but I prefer the slightly better diversification. And you should also have some international exposure like VXUS or IXUS.

Over-Computer-6464

See r/bogleheads I have done backtests on many complicated portfolios suggested by financial advisors. They all end performing pretty much identical to the simple 3 ETF portfolio recommended by Bogleheads: 1) broad market US stock market ETF like VTI or ITOT or SCHB, 2) a broad market international stock ETF like VXUS or IXUS, and 3) a broad bond ETF such as BND.

wampum

Hard to say, especially with you taking a year off and the geopolitical risk we are all facing right now. You are very exposed to US tech stocks given that the mag 6 are around 20% or VTI plus your AAPL position. You also have no non-US investments. I like to keep 35% of my equities position ex-US. VXUS is mainly what I keep. If it was me, I’d probably keep what I might need in for my sabbatical in the HYS then I’d dollar-cost-average into VXUS to get more diversification.

Limp_Technology2497

If the strait looks like it’s going to open, which it seems like that is the direction of things, then for the moment that eliminates my main issue adding to silver and copper miners. So I added a bit of SIL and COPX.  It also adds positive momentum in the eastern hemisphere, particularly for places that have been struggling like Australia and Japan.  The damage is done for now with regards to helium, so I’m still bearish on chip manufacturing for the moment.  And I do have a real concerns still about the timing of fertilizer delivery. And I still think the US could be headed for a resource crunch depending on how things shake out-so I’m staying away from VOO for the time being. That said I did put a chunk into VXUS. We’ll see what happens. It got hit hard by this so hypothetically it could have the quickest rebound. I would expect oil to settle somewhere a bit higher than it was, but not nearly as high as it is.

drew-gen-x

$EWJ, $VXUS, $GLD, and $IGV. All my buys for the year have been over the last 2-3 weeks. I know you asked about stocks; but I've moved entirely to ETF's minus small positions in $CASY, $T, and $DE that I would have to pay way too much in capital gains to sell.

JPete4985

With US valuations, hitting a 10% reurn annually looks to be getting harder and harder. Internationals have much more reasonable valuations, last time I looked it was roughly 29x VOO and 18x VXUS. In my opinion internationals could outperform or at least pace US holdings with less volitility over the next 5 years, maybe 10.

chinaski73

At least I bought more VOO and VXUS in the morning. I hadn’t been buying enough as I was *sure* SPX was going to at least hit 6250. Im a long-term holder so it’s all good.

drew-gen-x

I might have just done one of the dumbest trades I have ever done and fallen into the next bull trap. I hate tech stocks. But I just bought 100 shares of $IGV to hedge against my $GLD, $VXUS, and $EWJ heavy portfolio. I decided to buy reddits fave software stocks as a hedge against my gold & world stocks : P

EmbarrassedAd9057

Solid foundation — VOO + SCHD as your core with VXUS for international is a smart framework. A few things the numbers show: **Your biggest gap is international exposure.** VXUS at $1,500 is only about 3% of your portfolio, which means you're almost entirely betting on the US continuing to outperform global markets for the next decade. That's been the right bet recently, but over a 10-11 year horizon it's a real concentration risk. Your plan to build up VXUS is the right instinct — I'd actually go further and direct your entire $500-1000 monthly contribution to VXUS for the next 10-12 months until you're at 15% international. Your VOO and SCHD positions are already large enough to compound on their own. **JEPI is worth rethinking at your timeline.** Covered call strategies generate great income but they cap your upside in bull markets by design. At 10-11 years from retirement with a late start, you arguably need growth more than yield right now. JEPI makes a lot more sense 2-3 years before retirement when you're transitioning to income. The $6,000 there could be working harder in VOO or VXUS during your accumulation years. **MU is your wild card.** At \~5% of the portfolio with roughly 2x the volatility of the broad market, it's your single biggest source of downside risk in a severe tech downturn. Not portfolio-threatening at this size, but worth knowing it'll swing twice as hard as everything else. NVDA at 3% is fine. **What's working well:** Your effective diversification through the ETFs is excellent — you're exposed to thousands of underlying companies despite holding only 8 positions. Your portfolio shows strong defensive characteristics, losing roughly 23% in simulated crash scenarios versus 30% for the S&P 500. Your sector coverage is solid through VOO and SCHD — you've got good healthcare, tech, financials, consumer, and energy exposure baked in. The only real gaps are utilities and basic materials, which are small sectors and not worth chasing. And your 3.0% yield is more than double the market average, so the income engine is solid. **If I had to prioritize:** VXUS contributions first, reconsider JEPI's role second, everything else is fine to hold and let compound. I ran your portfolio through an analysis tool I've been building — it simulates crash scenarios, calculates sector coverage, and flags risk concentrations. In a 2008-style market crash your portfolio drops about 23% vs 30% for the S&P, and in a tech-specific crash it holds up even better thanks to the SCHD/JEPI buffer. Happy to share the full breakdown if you're interested.

Thunder_Thighs

If I’m only long in stocks, I should just hold them and ignore the current events, right? Obviously it sucks to see everything red, but it will rebound eventually. Positions: GOOG VTI VXUS RKLB ASTS

Typical_Web_2125

1: Stay in ETFS 2: Add 20-30% international ETF such as VXUS or VEA.

LurkerFailsLurking

I was VOO and chill until I realized Trump was actually going to go through on his idiotic tariff bluster 13 months ago. Then I sold all of my US index funds and traded them for VXUS. Then in October or so, I decided gold and silver weren't just spiking now, but would keep going up as the world abandoned USD as the global reserve currency. Now the one US stock im seriously looking at is CLF because they're the only US manufacturer of electrical steel, which is a critical material of EVs, solar panels, etc.

Rebounding2020

I started switching up from almost 100% VOO and VTI in my larger accounts to 55% VTI / 35% VXUS / 10% VBTLX (or rough equivalents). I just wanted to cut exposure to US equities and also build a small bond position--the latter as I've always struggled to understand bonds and wanted to get used to holding them for future knowledge.

-whis

Trumps retarded don’t get me wrong, but we ain’t gonna “learn the hard way”. We’ll continue to prosper because we fuckin rock and the rest of the word relies on our consumers - it may be ours short term, but this is a marathon not a sprint - that marathon rewards those investing in American markets. (I still own VXUS to cope)

retirement_savings

For reference, I've been 65/35 VTSAX/VXUS since I started investing. But I didn't make that decision based on one year of data. If US starts outperforming again, are you going to sell your international stock?

VFR8

Look YTD, then you can see the VXUS outperformance

drew-gen-x

Compare the $SPY vs $GLD or $VXUS or nearly any other world indices YTD or 1 yr charts. The $SPY has been losing for awhile now ever the Trump tariffs. There's just soo much infighting lately that few have zoomed out and looked at the bigger economic picture.

superbouser

Today I put money in VXUS.

Significant_Copy1266

Vanguard S&P 500 ETF NYSEARCA: VOO 602.30 USD -28.98 (-4.59%) past month Vanguard Total International Stock Index Fund ETF NASDAQ: VXUS 78.01 USD -4.39 (-5.33%) past month

TheBaalzak

VXUS has been doing well.

rufio313

Yeah that’s why you are better off going with something like VTI over VOO, and then add some VXUS to the mix.

YellingatClouds86

I dump about 75% of my spare cash per month into S&P 500 and then 25% into VXUS.

PrestigiousPen-2468

VXUS is everything outside the US, I hear a lot of people wanting a US ETF without Elon although I doubt that exists.

Worst-Eh-Sure

I do have an account that’s basically just VTI and VXUS as well. But I do enjoy buying stocks and following it. I just don’t worry about it anymore. And for me personally I prefer VTI over VOO for the exposure to mid and small cap stocks. That said, there really isn’t a lot of difference between the 2 anymore due to the Mag7 taking up a majority of the entire US stock market which is really lame. I’ve contemplated going to an equal weighted us market ETF but just assumed that the fees would be materially increased and that it wouldn’t really be worth the increase in fees.

PrestigiousPen-2468

Yeah good call, I've been moving a bit towards VXUS. I'm even getting a bit wary of VOO and other S&P indexes at this point though. The top 7-10 companies take up around 40% of the index which seems crazy to me.

runnerofshadows

Might become VTI or VT and chill - I know VTI uses CRSP not S&P or Nasdaq and VT uses FTSE Global All Cap Index. There's also VXUS if you want a dash of International exposure.

Fuehnix

Every month since Nov 2024, I feel more happy with my decision to switch to VXUS. Keep that "1 trillion" dollar valuation out of my ETFs thanks.

rufio313

Nah, VTI and VXUS. VOO is just the S&P 500…not very diverse.

HowDowsCrowTaste

I would but all im doing is my claude agent scrapes newfeeds for events that could be considered a TACO trigger event , scores it weighs it and the moves things in VXUS and VTI in and out ... The iran war thing didnt fit the model since it isnt a simple TACO thing.... Even if Your Majesty TACO's out of this , the damage is already done. Whoever suggested this war was black swan event here got it right ... Back to thinking of a new model.... Fuckers...

SurfAccountQuestion

I don’t have a 50/50 split of QQQM and VTI. I also hold SCHD in roth and VXUS. I also reserve a bit of fun money to trade whatever I have conviction in.

wandererarkhamknight

If you want broad market index funds, either VTI+VXUS or VT. Even without SpaceX, you are putting almost half your retirement money in 10 companies.