VXUS

DoinIt4DaShorteez

> Does an allocation like 40% VOO/ SPYG, 20% VXUS, and 40% individual stocks (defensive individual stocks and AI/tech stocks) make sense for my situation? That seems OK to me, although I wouldn't go more than 40% individual stocks. If you're in uni, it's maybe a little early to get too defensive. I wouldn't worry too much about an index fund like VOO or SPY being overweight tech right now because that just takes care of itself over time. Money that comes out of tech has to go somewhere. The rest of your questions are just more detailed than I want to think about. No slam on you, it's just a little overly-planned for someone so young. You're at a stage where you can just chuck most of your money in a few broad-based index ETFs and the rest into a few aggressive or defensive sector ETFs.

Emotional-Power-7242

VXUS has the added benefit of getting you away from tech since the largest companies outside America tend to not be tech stocks. There's no reason to hold individual stocks. If you want to hold US stocks that are less concentrated in tech just buy a value index such as VTV or or AVLV.

Longjumping-Bid-9523

1. 40% U.S. large-cap (VOO/SPY) and 20% international large-cap ex US (VXUS) is fine, but unless you have a proven track record with stock picking, 40% in individual stocks is high risk. Consider lowering that % until you have shown to be good at stock picking through both bull and bear markets. 2. U.S. defensive stocks (the consumer staples sector) have outperformed VOO YTD. Having narrowed your interest to stocks in that sector, also consider investing in the entire sector via an ETF, e.g. XLP. 3. Based on the last 1-month performance, now is a good time to invest in companies in the consumer staples sector. Also consider buying the entire sector or examine the companies in the consumer staples sector to find more companies of interest. 6. Yes, consider ETFs over individual stocks. The risk is much lower, the required effort is much less, and the profitably can be very good.

brute-forced

VXUS is +7.1% YTD SPY is negative Thanks mango

Round_Context_146

whats the workaround from the US Market? besides VXUS and stuff like that?

DoinIt4DaShorteez

Setting a $5,000 limit would be a 1.43% yield. Over 15 years you'd have to expect that to grow close to $6,000 although the income threshold will probably rise too. Just spitballing: 20% in XLU at 2.5% yield 80% in VTI or VOO at about 1.15% Would throw off about $5,000/year. Or swap in VXUS (2.9%) for XLU. Is it correct that the portfolio can **generate** more than $6k in income without running into a problem but you can only **take out** $6k? So the idea is, you don't want to "waste" value by getting more in divs than you can take out. You want to have as much allocated to growth while still generating close to the income threshold?

BrianMX34

Thank you. I agree. I've decided to go with AVDV to add a little more international and small to my overall portfolio. I've been researching a lot since yesterday and the concesus with SCV is that it is a LONG play. I'm okay with that since I plan to hold it for 25+ years. The one thing that has shaken me resolve a bit is that some believe it's possible that the time frame to see that premium could be so long I never get to benefit. I'm still going to go with AVDV but I'm rethinking my allocation. VOO(65)+VXUS(25)+AVUV(5)+AVDV(5) - By keeping all small cap at 10% it won't draw down my portfolio during those long periods of underperformance. That can make it easier to stay the course when it's REALLY down. Of course, I won't benefit as much either. VOO(60)+VXUS(20)+AVUV(10)+AVDV(10) - Having small cap at 20% between the two would allow much better benefits when it eventually outperforms in 20 years. But the down times will be a drag and a test of resolve. Granted, with both of these my VOO+VXUS will keep the entire portfolio afloat. So things should be fine either way. I'm confident I can stay the course as I'll just set up automatic investments and leave it alone. But it's easy to say that until it actually happens haha

smashnmashbruh

I have 3 months in BOXX, 3 months in SWVXX as a base lower limit. End of the month anything over that 1.5 months worth of operations expenses gets distributed evenly, 1/4 additional savings for fun, 1/4 to spend on fun hobbies, 1/4 goes to VXUS, 1/4 goes to SWVXX. This continues to grow the stash of cash for funding projects, upgraded equipment, retirement, trips, hobbies with out disrupting my retirement and safety net. Each week I transfer more money than necessary as a base savings for retirement funding, taxes, long term operational expenses, 1/3 of known expenses over 3 years, like new hardware and software. It work it like this fill SWVXX until funding is secured for next years taxes/retirement/operations. Then fund BOXX for 10k or hit next savings level. Then VXUS, long ass term non retirement investment. Again, I have already maxed my contributions for 2026. My hot take, grow your system to work for you, grow your savings to hit a place where you no longer worry, if you have 10k and worry then add, if you hit 9 months of average expenses, and still worry then keep savings. There is no magic number. I have not needed my emergency fund, or back up for 10 years, I am blessed I do everything I can to not touch it, I know I can make moves in 3 - 6 months average expenses.

Upogee

Your core is already strong with VOO + VXUS. If you’re looking to add growth without concentrating into a single sector, small caps often make more sense than sector bets. Historically they add diversification and higher long-term return potential, but with volatility that’s spread across many industries instead of one theme like semiconductors. Sector ETFs can work as a small satellite, but small caps usually improve portfolio balance rather than increase concentration risk

Emotional-Power-7242

Normal thing to do would be 60%-70% S&P and 30%-40% total international index (such as VXUS). If you specifically dont want to include emerging markets you would want VEA instead, as VXUS is about 25% emerging markets. I don't think you should exclude emerging markets though. They're higher risk which means they should produce a higher returns over long periods, and you're more than young enough to ride out the risk.

Emotional-Power-7242

Alright so actual cash in BofA can be whatever you're comfortable with. I keep one month expenses plus enough to pay off whatever I spent on credit cards last month. Whatever it needs to be so that there's no risk of you overdrafting and it doesn't get so low it makes you nervous. After that get any 401k match available to you are work, in full After that pay off all debt above like 5% interest except a mortgage. After that comes savings. You are correct that your HYSA and your Fidelity account are essentially the same thing. Keep whichever you like best. This account has an emergency fund. An emergency fund is typically 3-6 months expenses. This is so if you lose your job or get injured or whatever you have time to figure it out. This can also take care of a major appliance breaking or car repairs or whatever. It's so when the worst happens you are not forced to take on debt. If your position in life is riskier (you have kids, spouse who doesn't work, unstable job situation, etc) you may want to keep as much as a year expenses here or even more. That's personal. You can also keep money here for known upcoming expenses or purchases in the next 5 years such as cars, houses, repairs, weddings, etc. If you go with the Fidelity account SPAXX would be a good place to keep the emergency fund because it doesn't fluctuate and you can get the money immediately. SGOV is a good place to keep everything else. If you live in a state with higher income tax FDLXX is better than SPAXX because it's fully state tax exempt. After that retirement accounts. 401k, Roth IRA, HSA, etc. I do not know the specifics of your pension but will just assume it's interchangeable. Really it's ideal to max these out, and it doesn't make much sense to invest in a taxable account until these are maxed. So contribute what you can. At your age Traditional is probably more tax efficient than Roth. Invest everything in a low fee target retirement date fund, or if you don't want bonds a low fee global index fund such as VT or a VTI/VXUS combo. That T. Rowe retirement date fund has reletively high fees. If it is in an IRA where you can buy anything, find one with lower fees. You want fees around or below ~0.2% ideally. Your entire 401k is currently in a US value fund. It's not the worst thing but you want value and growth, US and international. Diversification. After that comes taxable investments. Currently you are not maxing retirement accounts so I would suggest not having taxable investments. When you invest in tax advantaged accounts you get free money. Probably 20-30% more money depending on your tax rate, for free. So why invest in taxable and take the 20-30% hit? As for what you have in these accounts, there's no need for so many funds. Just buy VT or VTI and VXUS. Retirement date funds are not great in taxable because they generate a lot of dividends.

azure275

Roth IRA: This is a target date fund. Basically you're paying a bit more expense ratio in exchange for active management of the stock/bond ratio to target 2060 retirement. Nothing wrong with that if it's what you want. 401k: This is kind of the opposite of a tech ETF, where it's specifically investing in industries people value less that may be undervalued by investors and have better fundamentals Schwab/IRA: SCHB is a VTI equivalent. You are essentially doing the classic VTI/VXUS strategy with those two. Pretty good strategy. Additionally you have ETFs dedicated to bitcoin, growth stocks and small caps. I recommend you actually figure out what these are doing if you're investing not just copying Reddit.

azure275

70-30 is basically VT at that point, I would just stick that money in there. The only reason to self manage is if you have strong preferences about the proportion, then you can VTI/VOO + VXUS at whatever ratio you prefer.

brute-forced

“America First” trump policy is really fucking this country up. VXUS is outperforming SPY by a significant margin again already this year.

AnonUserAccount

Hookers and blow. Then I’ll take the remaining $950,000 and dropping that bitch 70/30 in VTI and VXUS. I can then draw down the gains for the year and basically let it sit there generating 5-10% a year for me to use as entertainment money.

Seattleman1955

QQQ/$600k,VXUS/$200k,GLD/$100k, Money Market/$100k

barkinginthestreet

I'm going all international equities. Quarter in Japan, quarter in Europe, the rest split between China/EM/Turkey/Brazil and VXUS. 

great_apple

> the US stock market is over half-owned by “foreign investors” which is basically the same as saying h offshore accounts of billionaires That's not what that means at all... We live in a global economy. The US stock market has been on a tear and is a great place to invest. Foreigners invest in it. Some of them are billionaires, yes, but it's not like Elon Musk's offshore account, lol. I'm just an average American and something like 30% of my retirement savings is invested in foreign stock bc it's good to diversify- and just like Americans can invest in non-American stock, non-Americans can invest in American stock. > These are deemed “not taxable” Offshore accounts of American billionaires are absolutely taxable if they're earning income. Foreign investors pay taxes to their own countries on gains, just like I pay the US government taxes when I make a gain on VXUS. > alongsde retirement accounta which account for about another 25% Retirement accounts are also taxed at normal rates (not capital gains rates), either when you put the money in or take the money out. You don't understand how any of this works.

DoinIt4DaShorteez

VOO is 12% semis and your current 65% weighting puts its semi allocation of your entire portfolio at around 8%. VXUS adds another 1%. If you reduce your exposure in VOO from 65% to 55% and put that 10% into SMH, your total portfolio semi exposure basically would double from 9% to 18%. I don't know if I'd want to have 18% in semis, but I'm not 32.

SirGlass

Its fine , you could just do VTI/VXUS and have almost the same weighting

dinklebot2000

Oddly enough if OP had decided to invest in developed International he would have done much better. VXUS is crushing the US market last year and this year so far. Not sure what exists in Europe for buying that but my guess would be it is much easier to find a Euro ETF in Europe.

SnooPies4650

# I just had a Roth IRA rollover clear and I’m ready to deploy this lump sum into a portfolio for the next 40 years. My Roth currently holds VOO and VXUS, plus a separate taxable NVDA position I’m leaving alone for now. I initially felt way too tech-heavy, and I want to capture the total global market with a 70/30 US-to-International split. For the US side, I’m targeting an 80/20 split between large-caps and small/mid-caps to capture the rest of the American market. So that being said, we got * 56% VOO (Large US) * 30% VXUS (International) * 14% VXF (Small/Mid US) What are we thinking, Reddit—am I missing any massive blind spots here, or is this a solid setup?

Imallvol7

I honestly have no idea. I'm going to max out my 401k and hsa at work and max out my IRA then I'm going to keep a little in VT/VTI/VXUS and honestly put quite a bit into my HYSA. Getting a 4% return feels great when I have no idea what is going on. I also want a nice cash pile to get in on whatever the next big thing may be. Trumps policies have killed so many jobs. Hospitals are closing. Schools have less funding. Research is dissapearing. From what I'm seeing the is making so many smaller towns less viable overall which makes me want to avoid them for real estate (rents decreasing).  I'm paying attention to cities that I think will continue to thrive like NYC, chicago, San Fran, la, DC, etc for potential get in low opportunities.  I really just don't know. Everything feels so backwards right now. 

KumingaCarnage

Age: 25 soon to be 26. All in on the S&P 500 and definitely making tech/AI 50% of my portfolio at least. We’ve barely scratched the surface of what artificial intelligence can do, we’re in for a real nice climb into the next decade. Fuck DCA; if you can, lump sum the fuck outta a tech sector fund or just VTI/VXUS and ride the wave

chancepack

30K into HYSA for emergencies. 70K split between VOO and VXUS. You will be set.

TheBlacktom

Since inauguration VXUS +44% vs. VOO 20%

Visible_Wolverine2

I don’t doubt this at all, Realistically, though, what are we supposed to do? Buy VXUS or gold ETFs and cross our fingers? Feels pretty helpless from my perspective.

RoverV

I like RH but understand why others choose not use it. And broader outside of the US. At least add VXUS for periods of less US growth - which has been the case the last year and will perhaps continue.

TreGet234

Even beating VT, impressive. Not VXUS though. Or coulda just held gold or micron.

bofoshow51

If you need the money immediately, like today, keep it in a standard bank account. If you need it in the short term, less than a year, park it in an HYSA to fight off inflation. If you need it in 3-5 years, bonds and CDs can be a better return rate than a HYSA, but the money will be tied up more tightly so that’s a trade-off, a good HYSA rate is still broadly fine. If you can let the money cook for 5+ years, certainly 10+ years, then a brokerage account focused on low cost broad market index fund (VT or VOO/VTI + VXUS) are your bread and butter.

Complex-Jello-2031

1 SCHD is for over 40you need growth 2 i like QQQM for long term hold QQQ is for trading 3 replace SCHD with international I like VXUS but other are good also

alwayscomments

Uh no, s&p500 has been lagging international stocks since Trump took office again and started trying to strangle the economy with his tiny little hands. https://portfolioslab.com/tools/stock-comparison/VXUS/VOO Amazing you're on a forum called wallstreetbets and don't know how to check this for yourself, but here ya go. 

Judge_Frenzel

VEA or SCHF if you don’t want EM included. VEU if you want EM included at market weight. Even though performance is virtually identical to VXUS I prefer it because it omits small caps. I don’t trust that small caps in EMs are audited and for shareholders to get their fair share. In fact, I don’t think that’s true for large caps either which is why I largely buy VEA aside from a small bit of EM exposure with some VT. I am a big fan of VTI/VEA and would recommend a 60/40 DCA on automatic investment to anyone

obidamnkenobi

Wow, this is an overly complex nightmare. You'll regret this when your older and you can't simplify without massive tax consequences. I'm am that 45 range, and have VTI+VXUS, and 10% bonds in 401k. Simple and easy 

HistorianOrdinary833

You're just a gambler. You have a gambling problem, not a skill problem. You cannot beat the house/market with gambling. Just buy VOO and sprinkle in some VXUS, and hold. Don't do anything else. You've proven yourself to be an incompetent gambler.

driffson

He probably thinks VXUS is an STI

oakinmypants

Did he know that VXUS is outperforming sp500 since he got in office?

kdolmiu

I somehow did it lol Like a year ago, i had almost 100% US, decided to move 10% to EWZ (brasil) because the index was on its hidtorical minimum even though brasil has growth steadily last decades. It was a very dumb decision, but it doubled in value since then lol Then, when trump won i decided i finally wanted some actual international exposure, not just a random latin american country, so i moved 30% to VXUS, 30% up since then I still have that stupid 10% in brasil, i will probably split that in voo and vxus one of these days Very dumb decisions with which i got very lucky as i was learning to invest

Maleficent_Spare3094

S&P is a weighted average. Generally index funds are good long term but if you invest in any index funds in the US. Like 50% of your stuff will be in high market cap tech stocks which can and has been pretty good. But it seems a bit shaky with a large amount of circular financing, weird tax stuff and speculation on a very large AI bubble. So if you want to diversify to other sectors consider stuff like VT VXUS or even just bonds. Or other funds that aren’t majority tech like Dow. But if you’re willing to ride the wave the sp500 is a good representation of the US market and will likely recover in about 2-3 years if there’s a significant down turn after the inevitable AI Bubble.

SynapticMelody

Have some funds allocated to a bond market ETF like BND in your IRA. Increase the allocation percentage to be more heavy as you approach your target date. It's also not a bad idea to work in an international ETF, like VXUS.

steady_compounder

You're 20 and already investing. That's the hardest part done honestly. One thing worth knowing, VOO and QQQ have massive overlap. QQQ's top holdings are basically VOO's top holdings too. You're doubling down on large cap US tech which is fine if that's intentional. At your age I'd keep it simple. VTI + VXUS in the IRA and let the target date fund handle the 401k. Compounding over 45 years does the heavy lifting.

Select_Reply

Invest in IYW or FTEC along with VOO/VXUS?

Cruian

To clarify: VT would replace VOO. If OP wants to keep VOO, VXUS is what you'd pair with it. Essentially VT = VOO + VXF + VXUS combined into one (and VOO + VXF can be combined into VTI)

stratify-dev

Since you're getting different perspectives here, let me add some practical context: The overlap between VOO/QQQ/SCHD is real - you're basically triple-weighting Apple, Microsoft, etc. For tax efficiency in your Roth, I'd lean toward gradually rebalancing rather than selling everything at once (though in tax-advantaged accounts, this matters less). On international: historically, having 20-30% international helps with risk-adjusted returns. The US has crushed it for 15+ years, but cycles change. Something like VTIAX or VTI+VXUS gives you that global diversification without the complexity. The "keep it simple" crowd has a point too - 100% VOO isn't terrible at your age. Your 401k target date fund already gives you some international exposure anyway. Bottom line: any of these approaches beats not investing at all. Pick something you understand and stick with it. You can always evolve your strategy as you learn more. The consistency matters more than perfect optimization.

NYGiants181

VXUS hasn’t done anything in years though so it’s not like this is some new found savior. It can just as easily go back to what it has done for a decade

BeaverMartin

The majority in VXUS, then dispersed some into individual stocks where I believe in the product.

rufio313

This guy is wrong they aren’t remotely the same thing, one tracks the s&p 500 and the other tracks the nasdaq 100 which both make up totally different types of companies, industry concentrations, expense ratios, etc. If I were you I’d try to consolidate everything into a long term, low volatility ETF (or two) that gives you exposure to the entire world economy. VTI + VXUS accomplishes this, or just do VT if you don’t want to have to balance the allocation yourself.

E2Hundo

VTI + VXUS = VT. Just invest in VT, ignore stock picking and use the time to build a life you're happy to live in.

Cruian

A good number of SCHD is inside VOO as well. The 3 fund portfolio is a bit of a misnomer, the number of funds matters less than having 3 main areas covered (I can design a 3 fund portfolio concept using anywhere from 1 to about 7 funds with little to no overlap - your target date funds in the 401K is one example of the 1 fund setups). VOO could be used for the US role, but you'd have zero international (which can be beneficial to both returns and volatility compared to US only) and zero bonds or similar (which may be fine while young, if you can truly stomach the volatility of 100% stocks). One example (out of many possible) of a 3 fund portfolio using ETFs would be VTI (US stocks) + VXUS (international stocks) + BND (bonds).

Fhyzikz

SPY is so fucking ass. Has anyone gone full international like VXUS?

Merisuola

VTI and VOO have 88% overlap - because the top companies’ market caps are so large, they’re weighted very heavily in VTI. You’d be better off putting a bit into an international fund like VXUS or another ETF with less overlap.

bc_this_is_America

Money is just currently shifting into more value investments that haven't gotten overpriced like tech stocks. This is why diversity is key. My value and foreign ETFs have exploded as the SP500 has fattened out and growth stocks have fallen. This just means people are taking their profits and hedging against a falling dollar and an economy that is widely believed to be softer than the latest data would imply. It would probably be wise to take some of your Mag7 profits and place them into something more aligned with your risk profile. VOO, VT, VXUS, etc...

mustachechap

Your time horizon is WAY too short. 2025 didn't prove anything, to be honest. VTI will still outperform VXUS when talking about 15-20-30 years out.

Zingalore65

quit day trading, get a respectable job, put your prior investments in a brokerage VTI+VXUS split, same split in a Roth IRA maxed out every year, get married, have kids, wait 35-40 years, enjoy a comfortable retirement.

Round_Context_146

yup im DCAing my VOO, QQQ, and VXUS. Yes it know there a little overlap but its 70/15/15

n2mb_racing

The daily reset and volatility drag is included in the adjusted close price, right? So, if you did buy at those prices, you'd have 227x gains today, even with the reset, etc. I can see that over longer terms it loses the 3x gain, but still some amazing results. Yeah, my holding goal is forever. Buy, borrow, die. But, TQQQ is not something you can / should borrow against. Probably still keep my base in VTI / VXUS, but I'm thinking about adding some leverage.

Whole-Reserve-4773

Young = no bonds. VT or VOO/VTI + VXUS as your base. Add in anything else you like or believe in. Invest in what you know. I know crypto, tech, software so that’s majority of my holdings. I don’t know oil so I don’t speculate on oil stocks.

InjuryEmbarrassed532

Minimize VXUS, it’s trash. Europe is dead.

helloworldalien

cant have losses when you don’t open up the account app. I guess we are going back to pen and paper, and technology isn’t useful anymore.  Least I got paid today and my autodraft gets split out into VOO and VXUS? Not looking, see u all in 15 years. 

solanawhale

Just buy ETFs In this same time horizon, I’m up simply by buying and holding VTI & VXUS. Individual stocks always drop way more than the overall index. I swear, I hear things like “the market is bleeding today”, then I check the market and SPY is only down 0.1%. It’s the SNAP, NVDA, et. al., that are down in the double digits.

Tambien

Look for international ETFs, especially non-US ones, like VXUS. Most brokerages should have an option like that available

Zerkron

Wait til you hear about VXUS

cMcDozer4

VXUS is carrying me hard this year. Little diversification never hurts!

Pale-Silver-8178

VXUS might be on something up 7% while VOO boo is down 0.29%

financiallythriving

VXUS and chill

tidepill

VOO and VTI are extremely similar, they track each other very very closely... either one is fine. To really diversify you should put some into VXUS and BND.

tidepill

VTI is barely more diversified than VOO... add in some VXUS as well

MixedProphet

I personally do 75-80% VOO and 20-25% VXUS. But I don’t think there’s anything wrong with a 70/30 US to international ratio.

nat-n-emore

The S&P 500 is market-cap weighted, which means the biggest companies impact the index more. This is part of the consolidation that you noticed. There are funds which are equal weighted of the S&P 500... RSP is an ETF. I think you can find mutual funds as well. Many of the analysts that I have been hearing are suggesting that broadening outside of the US through the current cycle will be beneficial (the S&P500 is pure US). ETFs like VXUS will give international exposure. VEA will give international exposure in developed markets only. They both have way more than 500 companies.

pretzel_man

Uhh, probably good. Have you compared SPY to VXUS lately?

Accomplished-Club690

Thats a fair take, tbh I try not to be full port into those unless im buying a dip for a swing trade, the plan is to amass VOO/VXUS as much as I can tbh.

Various_Couple_764

All the funds you list are growth index funds with minimal differences in risk and often with overlap. Nothing I would consider spice in a portfoli Try ARDC 9%yield, PBDC 9%,EMO 9% CLOZ 8%, QQQI 13%.. Thes will add a lot of dividends to your portfolio. which can be used to by more of other fund or more dividend funds. right now in your roth you are limited to investing $7500 per year. I you take 30K from VTI / VXXUS and put that in EMO you would boost the yearly cash flow into your Roth to $10,200 a year You can put the dividend, VTI, VXUS or EMO. The dividends funds would also work in a taxable account. But QQQI in addition to having the highest yield is also a tax efficient fund. So in the taxable account. build up the dividend income from it to 7500 and use that income to make your yearly roth deposit. And keep adding more to the taxable accounts and more dividend income fund. you can use to pay your bills And eventually you would have enough to cover all of your living expenses.

ridewithwill

18 years old....oh man if I would have done it over it again (I am 40 now) dont finance a car, instead drop that into an index fund. Dont worry about the crashes and money loss. You have YEARRRRSS ahead of you. Get out of the get money fast scheme, its gambling. I would drop in VOO/SCHD/VXUS equally - fast forward 20 years you will thank me

Excellent_Row8297

VXUS and chill

Embarrassed-Can3933

Yea im thinking of just doing 85% vti and 15% VXUS

MixedProphet

VOO and VXUS and chill

Bossanova12345

Yeah, our biggest growing companies have high called for the AI infrastructure buildout. Best of luck investing in VEA or VXUS though. Long term, all will be fine.

Cruian

VXUS, IXUS both cover developed and emerging markets. Or would you prefer developed only?

Former_Tomato9667

My best performers for the last two weeks have been VXUS and SCHQ that cant be good

Lunarisation

VXUS is down too

RIPSAREFUTING

Meanwhile VXUS up 7%. BUT DOW 50000 SPY 7000 DON'T ACCUSE ME OF A CRIME YOU LOSER

AGWS1

It's a good strategy for a younger person - 100% SPY or VTI. You may also want to add some international - VXUS. As you near retirement, you may want to reduce risk and diversify by adding fixed income. A lot of people who are 100% equities are happy when the market is up. During downturns, avoid panic selling. Remember, the market has volatility. The long term smooths it out.

MonzellRS

If you owned the market (VT or VTI & VXUS) when you had 56k a year ago today it would be 69k~ Something to think about

ConcentrateOk523

15 years of almost straight up gains, what do you expect? Finally my VXUS is outperforming VTI.

Just_Butterfly4052

VXUS down 0.90% as well. Yes global is way better than spy but spy drags that shit down too

ThaliaFaye

tbf VXUS is down too. but i don't even care with how much my SPY puts are printing rn lol

Equivalent-Coat-7605

Me in VXUS looking at S&P you used to be great what happened

Remarkable-Ear-1592

S&P: 0% VXUS: 8% Absolute shit

Amused-Or-Thrilled

Market is doing amazing if your in anything other than market is doing great if your diversified beyond S&P. Only thing doing bad is growth. VBR is up over 9% DISV is up over 12% VTV is up over 8% and VXUS is up over 8%.

Professional_East281

Yeah my suggestion is dont do penny stocks. You might get lucky, but youre more likely to end up with losses. I know its not exciting or fun, but just buy index funds periodically. VTI and VXUS is pretty much all you need. I started around 20, and 7 years later im at $150k. Of course I didnt even have a salary job until I was 23. Its slow but steady. My first few years I also tried picking stocks. I didnt have much success…

Over-Computer-6464

Go look at r/bogleheads >\-More diversified than VOO? If so, what? Total US EtF such as VTI/ITOT/SCHB is slightly more diversified than VOO/SPY. More important is diversification by holding international equities via an ETF like VXUS or IXUS. As you approach retirement you should add bonds. >\-Dividend ETFs? And reinvest the income (after tax and living expenses) into SPY or VOO? That creates an unnecessary tax drag. Dividends are not "free money" and in fact actually end up a negative during the accumulation phase when you are just reinvesting the dividends. >\-Treasuries and bonds? Yes, 5 to 7 years before your expected retirement start transitioning to your desired asset allocation in retirement.

BullishDaily

VXUS and chill

RIPSAREFUTING

Also, US stocks only up cause dollar is so down. VXUS did 38% last year, already up 8% this year. Market is selling US like crazy, but the regards she was appealing to can't ready or do math.

GomaN1717

VXUS outperforming VOO for the first time in almost 15 years doesn't exactly signify a "rally" moment incoming. It's very obvious OP is fishing for "what's the next stock that will pop by 1500% like SNDK, which is a dumb question to begin with.

BurlyJohnBrown

VXUS works.

YesterdayAmbitious49

I just use VXUS

ThaliaFaye

Do it. 20% of my port is in VXUS lol

ring_of_slattern

Crazy timing, I literally just put in an order to liquidate my VOO for VXUS

SinStockGuy

Talk me out of balls-deep VXUS

Jericho3434

My main holding 😎 I bought MO, XOM , VXUS, VTI at the beginning of the year and sitting pretty. Other than VTI, dog shit American economy stock.