VXUS

bkkmatt

I put 40% of my monthly pay into VOO and VXUS. Also in my 40’s, invested late.

jaimelannista

Im thinking maybe 20% GLD 20% VXUS 60% TQQQ

Inner-Platypus-7534

Ah so you’re a bandwagon fan. VXUS has one good year and suddenly you’re all about it 

ConcentrateOk523

I have both VXUS and VEU in different accounts, similar performance.

Bossanova12345

VEA or VXUS. Otherwise you are too late.

IncarceratedScarface

You’re still young man, you’ll be fine. Just invest in safe assets like VOO and VXUS. You’ll be better off than what you’ve been doing.

aaron_dresden

The overlap just makes it more expensive for you if you’re buying both. If you transitioned from the MF to the ETF once you found VXUS then that makes sense.

SpotlessCheetah

Not sure why you have VXUS and VTIAX, either have VTIAX only or have VXUS and VTSAX. I have the latter two.

DuckLIT122000

Everyone's mentioned VXUS already. I personally use VEU

GomaN1717

Dawg I genuinely can't with this sub anymore. If you took posts like these at face value, you'd think that anyone who wasn't overweighted with VXUS is like, cripplingly bankrupt right now lmao.

GomaN1717

Honestly can't tell what's worse between these posts or the ones where people have unironically moved their *entire* portfolios to ex-US due to VXUS outperforming VOO for the first time in... 15 years lol.

advantage_player

VXUS VTI PE gap is closing Now 19 vs 26

oldschoolczar

I’m 100% VXUS/VTIAX right now. I had to liquidate funds for down payment on a house and sold 100% VTSAX. Hopefully by the time I sell and get cash in a few months the IS market will have tanked and I can get back in at a nice price. But I may be more like 40/60 US-Intl whereas I was the opposite before. I’m only inadvertently timing the market here.

umdred11

The SP500 was not up 17.7% in NOK terms. Additionally, deploying 2 trillion dollars in VXUS is not an easy task. When you’re dealing with numbers in the billions you have to worry about capacity just as much as you have to worry about alpha

GoProVI

Why is it that the American market is so terrible this year? VOO is currently at a -0.07% YTD while VXUS is at +9.95% YTD…

financiallythriving

VXUS for the next decade

Affectionate-Day2743

its times like these that i am reminded why i invest in VXUS and TLT.

gamjatang111

I think for funds, the key metric they look at is risk adjusted returns, not just raw returns. They couldve bought Nvidia and outperformed VXUS

Tachiiderp

SP500 was up 17.7% in 2025. VXUS was up 32% in 2025. They could've just invested the world market and outperformed themselves.

purplebrown_updown

VXUS

wontonforevuh

I full ported my 401k out of VTIAX into VXUS last year. Looking like a good decision.

Just_Candle_315

VXUS stocks are up-- best thing investors can do is move assets into international funds before domestic equities crash

Gloriam_Insights

1. Yes, if you want minimum headache with solid returns, just keep investing into the S&P 500. It has shown strong results over the last few decades and will most likely continue. Of course, nobody can guarantee that — it's possible that America gets pushed off the pedestal as the leading economy, and as a result the S&P becomes less relevant while other countries and indices outperform. But realistically, predictions like that are nearly impossible to make. 2. As for growth ETFs and individual stocks — it helps to think of it as a risk scale. If we're only talking about stocks, here's roughly how it breaks down from least to most risky: 1. Global ETFs (VT, VXUS) - widest diversification across countries, continents, and sectors 2. Broad market ETFs (VOO, SPY, IVV) - S&P 500 and similar, strong track record 3. Sector/narrow ETFs (QQQ, ARKK, SOXX) - more growth potential, but more volatile 4. Individual stocks - closest thing to a casino. Nobody can guarantee with 100% certainty that a company won't change direction, replace its CEO, or run into unexpected problems. The general rule: the younger you are, the more it makes sense to lean toward the riskier end of this scale. If those bets pay off — great. If not, you still have decades until retirement to recover. But the higher the potential growth, the higher the risk. That tradeoff is always there. The good news is you don't have to pick just one. You can combine them — keep the S&P 500 as your core and add a smaller allocation to something more aggressive. The key is deciding how much risk you're actually comfortable with.

Bam2458

Very disappointed in SPY. Can’t even keep up with VXUS anymore. Sad!

Uisce-beatha

Normally people go 70% VTI and 30% VXUS in their retirement. I switched to 80% VXUS and 20% VTI last year and so far it's paying off

brute-forced

On a relative basis, VXUS has returned about 10.8x what SPY has so far this year… roughly ~975% relative outperformance. What a fucking moronic administration

TreGet234

VXUS supremacy.

Narkanin

That heavily depends on what your goals and needs are now and in the future. FYI though, advisors are fine but what they do is really not that complicated and often times they over complicate things or end up charging you for something that can easily be diy. It all depends on comfort level, and I’m not saying don’t talk with them, but take careful notes or record the convo and do some research on it after. From what I’ve see most of them just do some basic split anyways and you’d get the same or better results from just doing VTI/VXUS and maybe some bonds if you like

TreGet234

Eh, VXUS will then only drop 15% and recover twice as fast.

TreGet234

Yup. Meanwhile VXUS will do it plenty of times.

Jericho3434

Just put new money in VXUS.

IronyElSupremo

General? VEU which is the old sibling to VXUS. Lower expenses and usually has had slightly higher returns (past performance no guarantee of future performance, of course). The former has a bit less % wise in the smaller small caps. ..

TreGet234

Yup. VXUS will keep destroying big american tech. Capex is killing them but they just keep going.

TreGet234

VXUS has gone 10x in that time.

lifegrowthfinance

All my new investments are in VXUS. I want to have least have 20% international exposure in my portfolio.

Senpai_Slime

Im throwing cash at SEC and VXUS to look for growth if things are gonna be shitty

TreGet234

15% gold, 35% smh, 30% VXUS, 20% VT Might be the play.

TreGet234

Gonna remember for the future to go full VXUS with republican presidents and full spy with democrat presidents.

Sapere_aude75

VT is a simple blend of both as well. I would personally split between VTI and VXUS

Bossanova12345

VOO has been sideways, as two of its biggest members have either tanked (MSFT) or trades sideways since August (NVDA) I’d do VXUS or VEA instead.

Due_Reach_1355

VOO is a perfectly legitimate 1 fund portfolio. It may be worth considering the addition of VXUS for international exposure

TheoryInttro

VXUS is. This kangaroo market bouncing between 676-695 forever, not so much.

max_strength_placebo

>• Should I just keep consistently investing into the S&P 500? yes, but you should also buy smaller company US stocks like the S&P 600 (IJR), S&P 400 (IJH) or VXF (which effectively combines them both) https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png you should also add international stocks (VXUS or something similar), which can outperform the S&P 500 for many years. https://topforeignstocks.com/wp-content/uploads/2023/09/US-vs-Foreign-Stocks-Performance-1971-to-2022-1024x578.png the S&P 500 is not magical, and not always the best performing option. >• Should I look into other ETFs that are similar but maybe more growth-focused? 'growth stocks' means 'the companies have revenue and profits growing faster than similar companies'. 'growth stock' does not always mean 'stock price grows faster than other stocks'. sometimes yes, other times no. >• Or does it make sense to start picking individual stocks I believe in? you can try, but the usual guideline is to keep this to no more than 5-10% of the total investment portfolio. the odds you, or me, can pick winning stocks is very low. there are professionals with high levels of education and access to sophisticated databases that have trouble beating the overall market. so IMO view stock picking as a hobby and learning experience, not a method to wealth building.

BMikex2

So say I put money into VXF and VXUS to help diversify I’m guessing they still are treaded like my current S&P and I just let them grow while putting money into overtime

Alternative-Boot9256

Since you already have the S&P 500: A fund like VXF would give you the rest of the US market (small and medium companies), VXUS would give you international companies (outside the US) and/or BNDW would give you a sampling of the global bond market (or BND if you only want US bonds). I used Vanguard funds as examples because that's what I'm familiar with. By combining those 4 components to taste (large caps, small/mid caps, international and bonds) you can put together all kinds of different portfolios for different risk tolerances.

leaning_on_a_wheel

VXUS

tinydisaster

Bro VXUS and chill

Maleficent_While2653

Thanks but I’ll stick with VXUS.

Charli-XCX

Taxable: vxus and vti. IRA: fzilx fzrox if you're with fidelity. Why? I like vxus in taxable for the foreign tax deduction. It is a 1:1 deduction on your taxes owed every year. Let's say you have 100k in VXUS... It grows 25% to 115k. At the end of the year they give you a dividend around 3% of the total value. So $3450. However since it's a foreign stock, the foreign country taxes you 15% on all earnings. So $517.5. in an IRA, you have to eat this loss. In taxable, you get it back by deducting it from your taxes. If you owe 1k in taxes, you only owe $482.5 after doing your foreign tax credit.

DrB00

I like VXUS due to low fees and decent returns so far.

TheDeamonKing

I just invested in to VTI at 12 today, then actually at 3 went in to VXUS, I’ll look into SMH and SHLD but I was definitely way to tech focused, I spread my stuff so I am not just in tech and stuff thank you for the recommendations

Naive_Programmer1252

I was totally Kidding Brother. You seem spread Very thin. I would start off Investing in ETFs. Most Hold a variety of Stocks in any given sector. Do your own research of course, but these are some that I am currently holding and what they consist of. VTI - total US market, VXUS - International Markets, SMH - Semiconductors, SHLD - Defense Tech, GLTR - Precious Metals Good Luck 🍀👍

financiallythriving

International posing for another +30% year SPY YTD: +1.13% VXUS YTD: +10.87%

TheDeamonKing

Thank you! I had those but sold them since they overlapped with VTI, I also sold the emerging and developed by vanguard for some VXUS but let me check out qqqm!

Evening_Speaker_6094

The market can stay irrational longer than you can stay solvent. This is why nothing beats DCA index fund like VOO/VXUS if you don’t want to play stupid game but don’t want to be left out either like me

12589365473258714569

VOO and SPY is completely redundant. In fact, VTI/VOO/SPY/QQQ is probably redundant too. You're just overweighting yourself into tech instead of diversifying. I would go anywhere from 90/10 to 70/30 VTI/VXUS depending on how you feel about the US economy long term. Throw in some bonds if it will help you sleep better at night when the market tanks 20%. When in doubt, KISS.

St0rytime

VOO/VTI/VXUS and chill for me

RamCockUpMyAss

I'm not even against holding some VXUS, I have 20% allocated for retirement accounts, but it's pure delusion to suggest that it will continue to outperform the U.S. indefinitely. I would absolutely expect international to continue to perform up to par though for a while, it is VERY behind U.S. performance (something like 330% difference in performance over the past 14 years or so)

Dear_Painting4519

Hello! Hoping for some feedback on my Roth IRA. Did it backdoor.  Here is some background: 47 years old in the U.S. Want to invest for long term/retirement 300k annual salary No major debts except home mortgage Risk tolerance: low to medium I started small (about 7k) and bought the following: VTI VXUS VOO SPY QQQ I think there is some duplication and overlap in here. Any thoughts on an appropriate percentage or elimination of some of these? About to do another backdoor Roth and want to make appropriate adjustments if needed. Welcome your thoughts! Thank yoh!

Plastic_Ad_1106

When it comes to Dollar-Cost Averaging (DCA) with recurring investments, the two most crucial elements are your overall investment plan and your time horizon. If you're consistently investing in broad-market ETFs like VTI, VXUS, or VT with a long-term perspective (10+ years), short-term market fluctuations are much less of a concern.

Aureliamnissan

This is the critical part people are missing. 45 was hemmed in on all sides by administration staff who resigned in the worst excesses of the president. 47 has true believers throughout the administration and is replacing people throughout government with more of the same every single day. The chaos of this administration *is* the president. It’s only going to get worse from here on that front because not a single person will actually stand in the way anymore. The SCOTUS tariff ruling is probably the first sign of the barest pushback. It only seems like a big deal because the illegality of war was attempted was so large in the first place. There’s also nothing stopping him from doing it again and dragging the courts through another 6 month long ordeal before returning another “no”. Other countries are starting to recognize that this administration OSS much more interested in *the appearance* of doing something rather than getting into the nitty gritty of actually doing anything or upholding agreements. Half of the “terrible” agreements being renegotiated with 47 were agreements that were made by 45… VXUS

ThaliaFaye

NGL I thought that the S&P500 would outperform VXUS today because of NVDA earnings hype but I guess my thesis still holds, international > US 🤷‍♀️

Affectionate-Day2743

if you're not in VXUS what are you even doing. should have gotten in months ago

CalebMitchell840

VXUS has tons of international coverage including small caps. Good core holding

TreGet234

Valhalla cancelled. More sideways until april. Any money going into Mag 7 instantly transferred into VXUS.

My_18th_Account

I've been dollar cost averaging VXUS for a long time (over a decade) and I remember the days the ETF price just hung around in the $40s .... then the $60s.....now we in the $80s and I'm just eating good.

BathtubGinger

Recently began VXUS and chillin, can confirm this is the vibe.

Due_Reach_1355

Add some VXUS for international exposure

ZEALOUS_RHINO

Could easily argue everything you just mentioned has been priced in over the past year. VXUS multiple expansion and VTI multiple contraction in the past year. Underlying earnings and revenue growth are still superior in the US. If anything I would say the news skews anti-america right now. Sky is falling down and nobody wants to touch the US. At the end of the day, Trump can only do so much to mess with the economy. The underlying companies are world class managed money printing machines that will work around him and be here much longer than he is president.

therealjerseytom

> I am tired of my money deflating with the dollar decline [...] gold is not really gaining, it's the dollar deflating Not true, as evidenced by the price of gold rocketing in any currency, and domestic inflation and consumer price index holding at a steady rate. We're not in some hyper-inflation regime. But if you want an ex-US equity ETF from Vanguard, VXUS is an obvious choice.

Limp_Technology2497

Basically anything that will retain its value relative to the dollar. Historically gold is the common choice here but it’s also a bit of a meme at the moment. Silver is like gold’s unhinged yappy purse dog. International ETFs like VXUS aren’t a bad way to go either, and neither are emerging markets ETFs. Basically anything you can make an argument for increasing in value at a time when the dollar is decreasing in value is going to look like a hockey stick on a chart priced in US dollars. Something important to understand is that if it’s going sideways or slightly up in US dollars, it might be losing real value. Which is why, even though the S&P 500 continues to go up a little by little people are questioning it.

FLGuitar

Diversification is key. I prefer a mix of VTI, VXUS, and some short term treasury bonds (80/15/5). All depends where you are at though. 2 years from retirement? Might want to be more short term treasuries. Would still yield better than a CD and no penalties.

Bravadette

I pamped VXUS btw ur welcome.

AirwickS

I’ve made way more VXUS than VOO since Mango took office.

tiggerlgh

Buy VOO and some VXUS monthly

Just_Review_6635

Tbh I’d do $500/ VOO, $200/ VXUS, $200/SCHD, $100/BND if you really wanna split it like that

dissentmemo

Do you max the IRA? Do that first. Do you have a 401k? Do that next / get the match on that first. Maximize tax advantaged space first, basically. And invest in VTI+VXUS or just VT. Voo is fine but you can diversify further.

TreGet234

It's entirely in my hand. When i fullport VXUS the generational rotation back into mag 7 will commence.

pwkdru

bro just buy VTI and VXUS and be done with it lol

__redruM

More VOO, VTI, VT, VXUS, QQQM, VGT, SMH. What’s your risk appetite? At a younger age, QQQM or SMH is more interesting.

Ok_Juggernaut3043

Thank you! Would you even say just remove SCHB and VXUS entirely out of the Roth? Part of me likes keeping at least a small portion in a broad index

bobby1128

Since you already have VOO in your Roth, you could use your taxable account to add diversification like VXUS for international exposure or a dividend EFTS for cash flow. Personally, I also been exploring platforms that give access to private real estate, which I feel like is a nice complement to public EFTs.

leaning_on_a_wheel

I would add VXUS for international exposure. There isn’t really any reason you need different investments in your Roth vs brokerage though, pick a strategy and stick to it

Imaginary_Air_2514

Why this over VXUS?

Due_Reach_1355

VTI/ VXUS based on global weights USA/ international in VT Right now I believe it’s 65/35 so you’d buy 65% VTI ( us market) and 35% VXUS (international market) This is the best way to invest in taxable brokerage

Status-Put8162

Spread it out. VOO the most obvious. But balance it out with some VTI and VXUS (international market) if you want less "risky" AI VGT is one. Also, dividends are nice from some of those. Since you're beginning and are going to trim down your portfolio look for dividends as well. Chevron, Coca Cola, Walmart...etc. Reinvest those dividends automatically and boom. Set buy limits. General rule I follow is I slash 15% off the current price and set a limit to buy. I purchase to hold long term. Doing this I have 2x or 3x'd on some of the big boys. Don't put all you eggs in one sector. Also, inverse some of your portfolio, as well. Read the book "The Intelligent Investor" it will save you a lot of this bullshit. INDEX FUNDS, but those are not "fun"

marima33

More VXUS would be appropriate as 40% of the world stock market is International. You could also add some Emerging Market separately with VWO or PXH.

Lumpy_Attempt_6280

Clean setup for 36! One tip: maximize your Roth for high-growth (AVUV/SCHG) since it’s tax-free, and keep the 'boring' SCHB/VXUS in your brokerage. Also, go 0% bonds in the HSA to let that growth compound. Overall, looks great!

_craq_

Have you compared them to VXUS?

MomentPrestigious180

it's just VXUS bro.

DocInABox33

You didn’t have your own gotcha moment. Your argument is 40% is consistent with being diversified. But OP is saying that the US is losing its talent and international is a great bargain. OP also said that international will become largest companies… if that’s the case, you overweight yourself on your conviction and fundamentals analysis. It is a gotcha moment bc if international is better, you would expect the other way around (60% international, 40% US). Nothing in OP’s post says it’s got to be one etf. Should have been 120k in VXUS and 80k in VOO… OP doesn’t understand he’s still overweight what is supposedly no longer the most exceptional market bc of politics (it’s implied based on a single comment about immigration and nothing about liquidity, GDP growth, fiscal policy etc which matters a hell of a lot more).

1burritoPOprn-hunger

60% of VT is US companies. OP clearly knows that based on their post. It’s just a cap weighted all world market. 40% international is a lot to some people. This is not the gotcha you think it is. I haven’t rebalanced because I never sell, but I’m definitely tipping my new contributions more heavily into VXUS.

FrankDrebinOnReddit

You wouldn't have to. If you buy VTI/VXUS in the US/ex-US ratio, then it will stay very close to the US/ex-US ratio even without rebalancing. If it goes from 60/40 to 55/35 through price action, both the VT and VTI/VXUS portfolios end up in a very similar place, 55/35.

DocInABox33

And bc we all know the real reason you are saying this, let’s see what happened last time: https://imgur.com/a/M2ohGMB Jan 2016 - Jan 2020 VOO 88.74% total return VXUS 51.54% total return Only one speculating is you politically motivated biased not a rational investor 🤷‍♂️

Maximum_Squirrel_565

I liked the VXUS!! Didn’t know about it! Thank you!

DocInABox33

It’s a poor decision if OP wanted the best return at a great price per the provided reasoning (better talent and better valuation). OP didn’t state they want to be diversified globally… OP said they wanted to own companies with the best talent and went on to say the US doesn’t. Then further implied international has better talent and better value. Why would you place more than half your bets on “worse” choice (ie US per OP reasoning). VXUS, VEU, VEA all great international choices that are diversified too. The “great choice” would have been to go 70% VXUS and 30% VT. Everyone is ragging on OP bc the action (ie picking VT) isn’t consistent with the emotional claim, just shows how clueless OP and apparently you are 🤷‍♂️

teddyevelynmosby

The world has changed. The wealth got more concentrated. Your 1975 textbook can’t teach you how to win in 2026-2060 investment outlook. VXUS is doing better than SPY in 2025 for the first time, so what ? Will it be next year or the next ten years twenty? Or the odds looks slightly better? It is just Billy and Jane talking. The market still move anyway it likes, and your beloved financial guru will come out and give it an excuse, yeah, any red green orange day, he always has an excuse. My point is, don’t bet again the market, or think you can outsmart it, even your thesis is right. The actual smart people have already taken the profit to the bank. The US government has all your so called intl companies by the balls, and your big tech has the spy by the balls. And 57% of total market cap is invested by passive investors aka ETFs. So any meltdown is avalanche like cascades. And the greed is tempting that so many time. That is part of failed human genome unfortunately. At the moment, there is no sign this will change, ever. And you are investing right at this moment, so better follow the trend, be active in the game. Thought you dump all your lifelong savings into VT or whatever has your fate, wake up 20 years from now you are automatically the richest guy. The game has shifted. Hindsight looking at doing this in 1979 is working. I don’t have fate in 2059 it will be the same. I just hope I got some leftover while the big players are rigging the game and when the shit come down, I am awake to run.

carlinwasright

Wanted a one-stop shop where I didn’t have to manage allocation between say VOO and VXUS

LAHAND1989

VXUS is ripping

AnonUserAccount

Did you even bother looking at the holdings and how they’re weighted? I have to look again, but 17 of the top 20 were American (I last checked about 3 months ago, may be slightly different now). Why not just put 50% in VXUS and keep the other 50% in VT?