VXUS

Digital-Doc-777

Yes for international, such as VXUS, and no for gold.

aceofsuomi

Reddit is a shitty source for investment advice. It's VTI or VOO and VXUS 70/30 and little else. There are more philosophies of how to invest your money than the one espoused by Jack Bogle.

ConcentrateOk523

You are absolutely correct! The biggest mistake and regret of my life was listening to a Vanguard advisor who told me to diversify into BND and VXUS. I only did 20 percent BND and invested in VXUS. However if I stayed 100 percent VTI I would have a million dollars more. Diversification no longer works in this environment.

gmenez97

Learn Boglehead investing and the ETFs, VT,VTI, and VXUS.

Key_Interaction2314

Hi All, Not sure if this is the right place to post, but I want some opinions/advice on my current investing situation and what exactly I am investing into where. I am a mid-20s adult and live in a MCOL - HCOL cost of living area as a remote worker. I make \~ $85,000/year from my salary. Below is my investment breakdown: ***Bi-Weekly Paycheck: $3,302.52*** **Pre-Tax Investments** * 10% of Paycheck into 401(k) through Fidelity (FXAIX): $330.25/paycheck * Company Match (50% on first 6%): $99.08/paycheck **Tax Payments** * State/Federal Taxes: $723.74/paycheck ***Post-Tax Paycheck Balance: $2,248.53*** **Post-Tax Investments** * 10% of Post-Tax Paycheck into Personal Portfolio: $224.85/paycheck * 70% into FZROX: \~ $157.40 * 30% into FZILX: \~ $67.46 * Max Roth IRA: $269.23/paycheck * 70% into VTI: \~ $188.46 * 30% into VXUS: \~ $80.77 ***"Take Home" Paycheck: $1,754.44*** The $1,754.44 goes into my Checking Account. Once a month, I move $715.55 (10% of monthly salary) from my Checking Account to my Savings Account (variable APY, but \~4% right now). I accumulate \~ $8,586.55 in my savings a year from this. Let me know if anyone has any suggestions or questions. I appreciate the input in advance!

IronyElSupremo

Vanguard’s VEA is actually “international” which is defined as “non-US”, while IShares ACWI is truly global large-mid cap (at 0.32% ER). Vanguard has their all-cap global etf VT at 0.06%, while State Street has a less popular all-cap global SPGM at 0.09% that’s more concentrated than VT but usually has better returns (price and dividend). I’d love ACWI at a VT expense ratio, but one reason it’s more expensive reportedly is it tracks its index better = attracts traders. Now iShares URTH is global developed, so it will invest in an index with the US, Europe, Japan and other long term capitalists countries, but leave off China, India, and smaller recent capitalistic coin. It does have some stocks that support the emerging mkts but are domiciled in the U.S. ~ less than 1% last I checked. Vanguard’s VEA is all caps developed ex-US with a cheap er but their VEU is all world ex-US large-middle cap with still some small-cap stocks. Another possibility if wanting to leave off China, India, etc.. but keeping South Korea is Schwab’s SCHF at just a tad more er for a large to mid-cap etf. There’s VXUS or IXUS with more small caps, but personally having only 100 mostly U.S. stocks in QQQ vs 3,400 to 4,400 in IXUS or VXUS kind of seems unbalanced to me (but YMMV). Also Fidelity offers an all-cap version of QQQ with the symbol ONEC.

SaveButcher

Hi everyone, my generous parents are gifting me $1k to invest in stocks/ETFs for my birthday this week (i am 25 and from usa). They said they will give me $500 - $1000 on my birthday every year to invest from now on. I have barely any knowledge of how to do any of this. My main goal is to use most for long-term use to use after retirement and some to put in a high-yield savings account for my wedding/home to use within next 5/6 years. This is how I'm thinking of breaking it down: 45% VOO, 15% in VXUS, and 5% in QQQ. 35% to my high-yield savings. What do you think of this?? Also, what is the best app/website to use for this, and where to get the savings account? Thank you so much :) I appreciate any suggestions or advice!

Sashamirae17

Markets feel like they’re at a weird crossroads right now. We’ve had strong performance from tech and AI-related names, while defensive sectors have lagged. I’m curious how much of that momentum can carry into Q4, especially with rates still high and unemployment ticking up slightly. Personally, I’m staying diversified: keeping a core in index ETFs (VTI, VXUS) and holding a bit more cash than usual in case volatility picks up. Also watching earnings revisions closely, if they start rolling over, that could be the first crack in the current rally. What’s everyone else doing heading into year-end?

Sammslol

80% VTI 20% VXUS. End

Vonnanstine

Forget the CD’s. Have an emergency fund in your savings account, preferably 3-6 months worth of pay from a job. Invest the rest into S&P 500 etf like Vanguards VOO. Add in VXUS for international exposure ex US. Or instead of VOO, just VTI and VXUS is you want something simple. No need for CD’s unless you plan on using that money within a few of years for example a down payment on a car or house or similar big purchase. As others have said as well, if you have a job and steady income, open a Roth IRA and if you can max it out every year.

BeastBuilder

Stock market wasn't a mistake. Your mistake was picking individual stocks based on some 3rd party analyst recommendations. If you aren't going to learn the ropes yourself, and not set up emotionally or financially for those types of risk then stick to ETFs (VOO, VTI, VXUS etc), and keep say 5% or so to gamble on individual stocks you like. You have your entire portfolio exposed to 3 companies that you don't know anything about. From an investing standpoint that is crazy.

FluximonReformed

Hello everyone, Relatively new to investing. Im a 22M with high risk tolerance. Maxed out my ROTH which currently has Id say around 70% VOO 20% QQM and %VXUS and %5 IBIT. I have already have an established emergency fund sitting in a HYSA. I was wondering if it would be okay to invest into another fund that tracks the S&P500 in an individual brokerage, I dont really have an established time horizon where I would sell and would like to utilize the power of compounding. I currently have individual positions that I admit I bought impulsively but im relatively new to investing just want to dial back and start simple and put it in a S&P fund for now and branch out as I research. Would it be okay if I had an s&p 500 fund in a ROTH and my Individual? Thank you guys for reading this and would appreciate some feedback :)

Siva-Na-Gig

VXUS?

Ok_Gap_3412

If you’re in it for the long term; - VOO: US market - VT: 60% US, 40% international - VXUS: 100% international Play with options and penny stocks, only with money you’re willing to lose

EdgeInformal8264

it IS a set number. you have your emergency savings in check and that's the perfect first step. second would be working on that Roth IRA. you can only put 7k per year in, so getting as close to that if not fully maximizing the opportunity, is the next best option! ( download fidelity and open a Roth IRA, then with your contributions, buy 70% FXAIX , 30% FTIHX ). Third, After maxing out that roth, anything additionally you're able to invest above your immediate high yield savings should go toward a brokerage account (also able to be opened on Fidelity) and in there, invest in 40% VOO , 30% VXUS , 20% SPMO and 10% QQQM) that'll maximize your growth opportunity and still maintain a nice set of diversification. This account is traditionally used for larger life purchases before retirement such as a car and/or your first or next home purchase! amazing questions, we wish you nothing but the best on your journey!

PaintIntelligent7793

ORCL might be a good buy. It sounds like they are going to acquire TikTok. Part of that is probably priced into the stock after last week, but you will still get a bump from the announcement, so now could be a good time to get in position. SOFI is a good buy because the share price is still low. It’s a little volatile, but it’s been trending upwards. Someone mentioned HOOD, and it seems like it’s sort of in the same boat. Coreweave and Broadcom could be good longterm holds. Eventually, when you are not working on a class project, you probably want to invest in ETFs. You’ll want VOO or SPY at the core of your portfolio, with maybe QQQ or VXUS making up a large share, but you might learn a lot from playing around with these individual stocks, which I highly recommend experimenting with, especially at a small scale.

AP9384629344432

Find it remarkable how robust the international markets have been this year despite tariffs. I have 10% of my portfolio in AVDV (+37.5% YTD) and 20% in diff. versions of VXUS (+25% YTD). Is international diversification *finally* working? Meanwhile my US SCV is up a measly 4%. The SCV factor may be dying in the US but it's thriving internationally. [All total returns here]

reddit_is_fash_trash

This is why /r/bogleheads only buy VT (I prefer a custom mix of VOO and VXUS).

Scr0ll0

23M. I’m currently following a portfolio of 3% BNDW, 63% VTI, 34% VXUS. In the wake of potential rate cuts in the coming days/weeks, how much stock should I sell, and should I switch to short term treasury bonds instead of BNDW?

MapleYamCakes

>How do I navigate if recession hits General advice is not to invest more than you’re willing to leave in the market for a minimum of 5 years. Diversification also helps. VT is total world stock market and captures every publicly traded company on the planet. Alternatively you could go VTI/VOO + VXUS to control your exposure to US and International independently. BNDW is total world bond market. Alternatively you could go BND + BNX to control your exposure to US and International independently. Recommend doing some reading on r/bogleheads

sloth_333

I max my wife and I backdoor roth every year. We have over 100k already. It’s all invested in VTI, VT and VXUS. 90% of that is just the 7k per year. We are late 20s and early 30s for reference. It’s going to be substantial by retirement

Electronic_Bee3134

Yesterday I posted about kids accounts, today I want to ask about my own account. US ex-pat, so limited to US ETFs but less of a need for HSA and the like. I have a local pension (functions I guess similar to a 401k) and don't make enough money beyond that to invest in both a taxable brokerage and also a Roth IRA. So currently in a taxable brokerage account but there's no specific purpose other than long-term growth. I have a provident fund from work as well which is separate. Currently it's a mess with no clear strategy, major overlap (I have VOO, SPY, and QQQ \[which I know is different but just based on weights has a lot of overlap\]). I'm looking at a long-term strategy of simplifying, though that will also require short-term figuring out the best way to do so without a severe tax hit, even though the account isn't so big (only $20K). I'm looking at an idea that would see: 1. 35% VOO 2. 20% VXUS 3. 10% AVUV 4. 10% BND or BLV?? (my emergency fund is held in my local, non American account, so not looking for something like SGOV) 5. 5% GLD?? (some type of hedge??) 6. Remainder on sectoral fund(s)? Right now, it's a mess. There's just so much of this and that sprinkled around and that's dumb (for me) because I want passive investment. I'm not looking to actively manage and constantly readjust. So even if what I wrote is a ton, it's still a massive overhaul and simplification. Maybe I need to sit with an investment advisor, but I'm curious if there's one that'll sit for just a couple of hours for a small portfolio like mine because I'm not looking to move away to a managed portfolio (for a variety of reasons).

kiwimancy

I would personally do VXUS for catchem all reasons but I think the difference is negligible.

kiwimancy

IMO that's a good portfolio for an 18 year account. 529s have a lot of moderate and conservative risk portfolios but I think just put everything in equities until high school or so, then pull back to a more predictable allocation. I personally don't believe value is all that useful but small cap value might still have some edge? Not much reason to get rid of AVUV. BRKB is fine. VXUS=VEU

Electronic_Bee3134

I'm newer to investing. For my kids, I set up accounts that are: 50% VOO 10% BRK B 25% VXUS 15% AVUV 1. Am I really overcomplicating and better to just do VT? I like the addition of AVUV that gives me the small cap VALUE 2. If I keep this format, why is Berkshire so bad? Yes it's a single stock but operates almost like an accumulating ETF without the management fees. Not as my main stock but something to give additional broad market access. 3. Again, if I keep this format, any reason to want VEU instead of VXUS? 4. What else am I missing? I just keep having this sinking feeling that I'm screwing up their future 😞😞

xiongchiamiov

I would spend some time considering VXUS: * https://www.bogleheads.org/forum/viewtopic.php?p=7374858&sid=f36f075d72830ae1e1f6b858ef3735d9#p7374858 * https://www.optimizedportfolio.com/international-stocks/ * https://www.reddit.com/r/Bogleheads/comments/1bgzg6w/vooavuv_and_chill_any_need_for_international (scroll down to the comment with a big list of links) * https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4590406 >Any other suggestions on how my allocation should be and should I do CDs? I think this was Zvi Bodie, who should be quoted more often: > With all the noise in the market place about performance it's easy to get distracted from this fundamental fact. The standard of success is not a comparison with a market index or composite. These work well for evaluating professional money managers. But they fluctuate constantly and serve only to weigh your results against various market averages. When it comes to judging your own personal investment performance, it's your goals that make the most meaningful benchmarks. Another way to put this is: what is the minimum amount of risk you can take on to achieve your goals? Any extra risk on top of that doesn't meaningfully help, and can endanger the necessary returns. More reading homework: * https://www.bogleheads.org/wiki/Asset_allocation * https://www.bogleheads.org/wiki/Risk_and_return:_an_introduction * https://www.bogleheads.org/wiki/Risk_tolerance * https://www.bogleheads.org/wiki/Assessing_risk_tolerance

GenFR13

Stock Market. I would do: $250K in private equity. Illiquid but returning around 10%+ annually. $750K in direct indexing tracking the S&P500. Ideal to generate tax loss harvesting at scale. $500K in direct indexing tracking Russell 1000 growth. $200K in international stocks VXUS. $200K in SPMO, QQQM, IBIT. $100K in HYSA, Municipal Tax Free Bonds

LopsidedBeat56

I (18 y/o) bought 207 shares ATCH at 0.47 for my ROTH IRA. I know it would probably be better to buy for my brokerage account, but I want extra money to put into VTI and VXUS. Whats the estimate for ATCH and how long should I hold?

NoHacksJustTacos

I’m 22 male. Currently have my Roth at 7.2k, maxed for this year, and my individual brokerage at 17.8k, majority in a VOO/VXUS combo with AMD holdings (only DCA’ing into VOO/VXUS now). I also have 5k in cash, no debt. I make 6-8k a month, with a 1.8k fixed expenses, but I do sometimes spend my money in a dumb way. I at worse save 2k a month, aiming to save closer to 3-4k a month. Should I save cash and put down on a property? My dad wants to help me get my first property and told me to save 50k in cash so we can go half and half on one and flip/rent it as a start. I can technically save 45k in less than a year, but I don’t know what to do for my individual account. I’d like to keep putting in at least 500 monthly.

lugnutsareloose

Invest half in a lump sum and DCA the rest over 24 months. Most would say DCA on a set schedule, but personally I go heavier when the market is deep red. It's more of a psychological thing than anything. Also sideline cash is still paying like 4.1-4.5% so it's not like you're burning it to inflation. At least until rates are cut marginally. Lump sum the whole thing would statistically be the highest performer, but I'm with you on things being far from normal rn. Also, if the US makes you weary split your allocations to VTI and VXUS in a ratio that makes you more comfortable. That way you control how much you're invested in the US vs everywhere else.

No_Raisin_1838

Probably VT or VTI+VXUS given how high the PE ratio of US stocks are right now.

dooknuckduster

SCHF looks like a international ex-US developed fund, and doesn't include ex-US emerging markets holdings (Taiwan, China, etc) Two low cost funds would be VTI or ITOT, (total US, SCHB is pretty close) and VXUS or IXUS (total international, including developed, emerging, and frontier markets). Or a single low cost fund with both US and ex-US would be VT or SPGM.

WorldofLoomingGaia

Any particular reason to do VTI+VXUS instead of just VT?

Willing-Promotion685

Just buy VOO or VTI and chill. If you want international add in VXUS. You’re young and don’t need bonds or cash. The 0.25% expense ratio is not much but it’s just waisted money.

gmenez97

Look at expense ratios for VTI, VXUS, BND, VBIL. These ETFs are basically what you have.

Sufficient_Winner686

At this point, you just need to put the nearly 100k into ETFs and let them ride while adding to it each paycheck. SPY will cover the SP500, VTI will cover the total stock market. QQQ will cover the NASDAQ. VXUS will cover the total international market. Go lower in international and lean into tech as rates go down. Tech relies on borrowing which is heavily affected by rates.

thetreece

Then definitely don't buy QQQ. There's no sound reason to base your investing profile on whatever the top 100 non -finance stocks are currently treated specifically on the NASDAQ. Buy VTI and VXUS.

pedro380085

The stock market has had a very positive year so far, and with the Vanguard indexes (VTI, VOO, VXUS) having already grown 20% this year (on average is below 15%), it's likely that a correction might come soon. But you never know when that might be. It could be tomorrow but could also be 12 months from now. Between now and then your potential rewards are going to be cut? Are you ok with this?

Apprehensive-Mine-22

yea VXUS looks like another solid choice. i might be prioritizing diversification over anything else right now

Affectionate-Panic-1

The market has already done this and the NASDAQ is at very high valuations. VTI is recommended if you want a more full US exposure (both non tech and tech), and VXUS is good for international allocation (which is less tech heavy than US stock).

Notallowedhe

i thought if you set a VTI/VXUS portfolio to the same split as VT it will keep the same ratio over time as US vs. international weight changes in tandem

456M

International is going gangbusters this year after 15 years of underperformance. VXUS up 24% and AVDV up 35% YTD.

livingbyvow2

This is the answer OP. You are not necessarily wrong being concerned - Japan is a precedent of the market going ahead of itself and then burning investors who were 100% Japan. Saying "this time is different" (4 most dangerous words) and that it cannot happen to the US is misguided. If you are concerned, go for 50% US VTI / 50% VXUS. Worst case you have slightly returns on your international sleeve. Best case if the US collapse for idiosyncratic reasons (think political things) you still have 1/3 to half of your money (there will be correlation). Some [research](https://www.bogleheads.org/forum/viewtopic.php?t=452028) even recommends doing 1/3 domestic and 2/3 international if you feel really bullish. Pick one approach and stick with it.

StatisticalMan

Then don't own 100% US. VT (or VTI+VXUS). Now you own the global market.

Fringe09

Since posting and reading many previous posts, I’m leaning towards VTI + VXUS. $10K each.

DoctorMario1000

VXUS to the moon baby

Poundcake2RedVelvet

I am up 17% YTD in my Roth by going 80% VXUS and 20% VWO in Feb/March btw

Emergency_Shame3658

If international markets have historically outperformed US why are you in VT. It's majority US. Shouldn't you be invested in VXUS? you're not making sense

thatdudejubei

Yeah but the OP asked what three I had to hold for 15 years + assuming I cannot swap any of them out. But I never said what percentage of each. So I'm holding 1 share of BND and the rest in VTI and VXUS if I'm OP lol

aggthemighty

Buy international. VXUS is beating VOO pretty handily ytd.

bpikmin

This is like… the worst fucking advice. If you want read up on the mountains of literature studying gold and silver markets and still decide it’s a good investment, then by all means. And if not then… Bitcoin?? Let’s just completely ignore that international equities are a thing, and that we have cycled between international and US equities outperforming one another for literal decades… VXUS y’all it’s not that hard.

BalerionSanders

The ETF comment is probably the right answer. It’s really hard to see JPM, MSFT, or MA and/or V not existing and making money in 15 years. A lot of answers will be tech, JPM and old banks like that have been here for 200 years. Not the largest, or highest growth (again, VTI/VXUS/BND/BNDX is a really good split maybe with IAU as insurance), but around. MSFT has a wider diversity than most of the tech stocks, that would be the one I pick to survive the forthcoming AI bubble crash that will likely occur within that time span you specify.

PalpitationFrosty242

VXUS has benefitted greatly from this

Gimme_All_The_Foods

Total market funds like VTI and VXUS, for starters.

4pooling

Long answer: My largest holding is FXAIX (Fidelity's equivalent to VOO) so I guess by default I'm going with VOO to answer your question. I do hold VXUS and VIGI too and those have been doing well this year. My personal weights of US and international stocks don't equate to the weights within VT, so I can't go with VT. Short answer: Gun to my head, I'm going VOO.

4pooling

For what it's worth, VT is outperforming VOO this year as of 9/9/25 because VXUS (the international component of VT) is outperforming US large-caps.

GaBeRockKing

First off, decide: what is this money *for*? Is it a car, emergency fund, a few months of rent, and enough runway to get you started living independently? Is it a retirement fun? Is it the down payment for a house? Is it a lottery ticket (e.g., accepting a 99% chance of going broke for a 1% chance of getting rich)? You mentioned real estate-- are your whole savings allocated for that, or only part of them? Whatever answer you have, your investing strategy is going to be different. But in general, in ascending order of risk, you're going to want to invest in... 1. a CD that lets you compound dividends . This is also the most "fire and forget" option since they typically auto-renew and require zero management whatsoever. 2. a treasury bond ETF like SGOV. Performance is basically identical to a CD (maybe a little worse), but more liquid, since you don't need to hold the money in an account for a specified term. Since you're going to be on mission I'd get a CD for the duration, but after that keep the majority of your cash savings in this. Petty cash for spending, credit card for emergencies, (but then pay off the credit card at the end of the month by selling SGOV) 3. A broad-market ETF that tracks some US index. For example S&P 500 trackers (SPY, VOO) or whole US market trackers (VTI) 4. Hedge picks. Stocks that cover for some low-probability but high-suffering edge cases. Cryptocurrencies (Bitcoin, ETH) if you hate the Fed. Gold if you hate fiat currency. International market trackers (VXUS) if you think the US is going to collapse. Or you can just dump everything in VOO and hope for the best. That's mathematically the best option.

neonam11

Some people set a certain percentage for each of their holdings (example VOO 60%, VXUS 30%, BND 10%). When one of their holdings is making lots of money, like VOO now being 70% of the portfolio, they start selling to get them into balance.

StLglobal

After US market tanks, when you start to see consecutive positive actions, start allocating higher percentages to VTI/VXUS/BND and rebalance as you wish (w/ m1 finance app) Drop SGOV to 10% 10% Utilities... 10% China + Foreign currencies 70% VTI/VXUS/BND Or whatever you are comfortable with...there's no magic number.

StLglobal

SGOV for 4%+ income (along side stock price appreciation) = $300,000 x 0.04% = $12,000 in a shit market or $12,000 in a great market. Use an application like M1 Finance for auto rebalancing and auto dividend reinvestment 30% SGOV 30% Utilities/Consumer Staples/Precious Metals 20% China + Currencies 20% VTI/VXUS/BND (35%/35%/30%) That diversifies you and protects you against American freefall

Willing-Promotion685

It’s basically 60% VTI and 40% VXUS

choicefresh

How hands on do you want to be? VTI/VXUS in taxable will save you a little in taxes, between the foreign tax credit and tax loss harvesting. VT in retirement accounts. 

EggIsGettingRekt

You’ve already got a solid start, but right now you’re super concentrated in tech. With that $75k, I’d personally spread most of it into VOO/VXUS (or VT if you want one-fund simplicity) and just let your NVDA/TSM be the spice in your portfolio. Keeps you diversified while still giving you upside from tech

Fun-Sundae4060

Diversify into QQQ at least if you’re not insanely bullish on NVDA or TSM. Learn about LETFs to go beyond 1x leverage and how to hedge with other asset classes like gold and bonds. Historically, the optimal leverage lies between 1.5x to 2x on the overall portfolio for the US market. VXUS is often recommended, but doesn’t serve as any sort of good hedge during financial crises or bear markets since it is simply another equities market and falls as soon as the US market falls. See 2008 for an example of where VXUS absolutely got wrecked more than VOO while historically returning much less.

KittyInspector3217

Divide by 52 and do a weekly DCA over the next year. Shit youve got 300k do it daily! Thats almost market is closed on weekends and holidays so thats over $1000 an order. Heres where intuition messes with you. You WANT the market to go down when youre shoveling money into it, that means its on SALE. More shares for less money. But your brain tells you that means its risky because youre focused on the future state not the current state. Thats why everyone panic sells at the bottom and buys at all time highs. If youre not trading and you plan to hold long term VOO over SPY. Youre paying a premium on SPY for liquidity. You dont need that extra liquidity youre not trading and VOO’s expense ratio is slightly lower too. Look into other indexes to diversify like VXUS (global excluding US) VTI (total US index not just S&P500) or VT (combo of VTI and VXUS). You probably dont need to hold both VOO and VTI if you look the top holdings are mostly the same. Just as you dont need to hold VOO+VXUS AND VT. Thats just buying the same stuff in a different fund. If youre super nervous about volatility, or youre later in life, Take a little bit…5%, 10%, 20% and buy BND (bond index) Your “diversified” passive portfolio should be a balance of US, global markets, and if you choose, bonds. There is no good reason to have bonds while youre in the “growth” phase with long time horizons just dont panic sell in down years and stay the course. It will be fine. But if it makes you more comfortable then thats the right thing for you to do just know youre leaving money on the table. If you dont have a rainy day fund already, then take 6 months of expenses from your 300k and park in cash in a high yield savings account before you chuck it all into VOO. Mortage, insurance, utilities, basic expenses. If you lose your job or need a new roof or have to suddenly buy a car or have a medical issue you use that money. Just remember that you have to pay taxes on interest accrued each year. If you dont have a Roth IRA and you are working then make sure youre setting $7000 aside every year for that. You can park 3-5 years of that Roths grow tax free and pay out tax free but you cant touch them until youre 59.5 without penalties (with some exceptions) Then take the rest, and if you dont want to lump sum it, figure out over what period of time you want it invested and DCA it in. I would suggest 80% VOO, 20% VXUS, and no bonds. If you want bonds maybe its 70VOO/20VXUS/10BND. And maybe buy 100 shares here or a hundred shares there of companies youre really interested in that you use a lot. Its a good way to keep you interested in the financial market generally. Familiarity breeds comfort. Buy a little bitcoin if youre interested in crypto or lockheed martin if youre into military tech or stryker if youre into medtech. Whatever. Love racecars? Honeywell owns garrett turbochargers. Finally, those are just the vanguard indexes. There are others through Fidelity or Blackrock or whomever. You have to look at their expense ratios and their composition to figure out what the best pick is (like i said about SPY vs VOO) but theyre largely interchangeable. You can checkout r/bogleheads for more on passive index investing. GLHF! DCA is the way! Set it and forget it. (But dont forget it in your case unless you want to keep DCAing $300k a year lol…)

Beitasitmaybe

I’m buying a basket of ETFs: SPMO VOO VXUS SCHD IDVO QDVO

payitoffnow

If you invest in SPY or VOO, you are putting almost 35% of your monies into the Mag 7. Moreover, there is a lot of correlation between those companies. Hence, I would suggest diversifying even further (not less) and investing into a mix of 85% VTI (total market index) and 15% VXUS (international market index, 99% non-US companies). Basically, you are buying all stocks in the world. Hence, you will pick all winners :)

WhoGotDaKeys2MaBeema

Best bet is to put a portion of it into VTSAX and VXUS and a small amount into BND. You will be so diversified that a crash wouldn't really even phase your portfolio. Then, just continue to DCA into it until you retire.

gmenez97

You can use it to subtract from realized capital gains. You had to have bought lots that are higher than the current price. You sell those for a loss. Then find lots of shares that you are profiting from and try to realize a gain that are the same as the loss you just sold. If you cannot sell for a loss I don't see how they can tax loss harvest. Advisor usually charge 1 percent a year. Just learn Boglehead and find funds similar to ETFs VT, VTI, VXUS, VOO.

jack_klein_69

Don’t go all in if you’re hesitant or you might sell when there’s a pullback and panic. You don’t know your risk tolerance yet. Definitely start though, just ease in if you’re hesitant. Depending on how active and risk tolerance, which again you won’t know ahead of time, I would do something standard like VT; VTI/VXUS; VOO/AVUV/VXUS or VEA/VWO in a percentage split you’re comfortable with and DCA up or down. Round it out with IBIT. Tweak as you like.

HumidMind

I did. We do exist. I am VERY happy with my EU and AZN mix. I am a year or 2 from retirement and felt dollar risks made a rotation of profits taken off MSTR and PLTR could go in VYMI, VXUS and also bought airbus and a few other French , Belgian and German cos. Only regret is Dasty, dassaullt software. That may be a loss harvest this year for taxes.

EyeDontSeeAnything

Yes. I just own VTI, VXUS, BND, and a little BNDX

jaquan97

Many Americans do through funds like FZILX, Schf, or VXUS.

Competitive-Teach675

I'm American and I believe in American exceptionalism, but I also have a diversified portfolio. So I have VXUS, VTI, and bonds. I would think a European would have a harder time having a home bias. For example, if you're French, it wouldn't make sense to have 60% of your equities in the French stock market and 40% in the rest of the world. As an American, I hold 60% of my equities in the US stock market and 40% in VXUS. I guess having a diversified portfolio is the only way to go. I was buying lots of VXUS at a discount with my past dollars. :) I'm up like 22% on VXUS this year. :)

Left-Slice9456

They do by buying VXUS, VT, and other variants. Year to date comparison is too short a time frame and most long term investors aren't going to sell stocks that are preforming well, pay taxes, to chaise whatever meme stocks are trending, when they could just allocate more towards tech index funds such as QQQ, buy any of the Mag 7, or other big international companies they are more familiar with.

Fun-Sundae4060

Pay off car. Landscaping seems extremely optional but it’s up to you. The remaining into equities like VOO. VXUS sucks.

Competitive-Teach675

I'm an American. I have a diversified portfolio, which includes VXUS, VTI, and bonds. Overall, with my allocations, I'm up approximately 17% this year. I'm happier than a pig in mud.

Spirited-Print-1097

Made money on EUAD & just bought an Icelandic fund. VXUS is also a good one.

Newbiewhitekicks

VOO/AVUV/VXUS is how you correctly diversify a portfolio with VOO and AVUV. GLDM is performance and tax drag with a high ER.

IronyElSupremo

> Mexico There’s actually an Amazon like competitor, Mercado-Libre (NYSE: MELI), servicing Latin America. They registered in Delaware so QQQ has it, but S&P passed. Latin America has enough pride especially after the last several months .. they’ll probably go with using that. It’s one stock I look for in global/western hemisphere funds to see if the fund company did its homework, i.e. .. more like original Van Halen adding no brown M&Ms in their concert tour rider contracts (to see if everyone did their homework) vs. anything geo-economic. Still when I see especially bogleheads saying VTI+VXUS gives them all the world’s stocks … not exactly.

Total-Bit6205

I am a "boglehead" so I wouldn't rebalance. I would let my VTI/VXUS ratio ebb and flow with the market cap. If the US goes into recession then VTI would be a smaller percentage of my portfolio. Or in other words my portfolio is an accurate "snapshot" of the current market conditions. Hypothetically (extreme example!) if the US economy shrank to only 10% of the stock market, then my portfolio would be 10% VTI and 90% VXUS. We call this the "... and chill" strategy, and it is mathematically the same as owning a total world index fund like VT. You can rebalance your portfolio over time (if you want to) but you don't have to. It's also fine to just chill and track the index.

Rich-Contribution-84

When I was 18-30 years old I tried to look at the fundamentals and understand if it was a company that I could trust to continually grow earnings over the next 40 years or not ~. But I walls traded way too much. I tried to have a weird balance between value and growth. By around age 30 I’d shifted to passive index investing. I buy a TDF in my 401(k) because it’s the best option 80/20 VTI/VXUS in every other account (and an equivalent in mutual funds in my HSA). I basically switched to a Bogle style over the course of a number of years because I realized that it’s quite unlikely that any individual person can beat the broader market. I’ll start adding bonds when I get to about 15 years out from retirement but I’ll keep buying VTI/VXUS every paycheck until I retire. I rebalance in Q1 every year but other than that I haven’t sold anything in years and will not sell anything for another 25 years ~.

micha_allemagne

VXUS often moves with the US since global markets are pretty correlated, though sometimes it lags or diverges. Treating it like a swing trade to dump into VTI isn't really the point of diversification. Your split is basically a classic US-heavy 3-fund. If you want to keep life simple, just rebalance across all three, not just bonds. Here's a breakdown of your allocation: [https://www.insightfol.io/en/portfolios/report/8034fa6f04/](https://www.insightfol.io/en/portfolios/report/8034fa6f04/)

Dr_VanTasstik

I have a little group of funds I use for moderate to moderately aggressive growth while trying to balance market exposure and include some defensive components: VTI (30%) VXUS (15%) LRGF (15%) QQQM (15%) AVDV (10%) MUB (7.5% QUAL (7.5%) These are in a taxable account, which I’m assuming you will be using. I use a different strategy in my tax advantaged accounts.

gmenez97

Research Bogleheading investing. Look into VT by itself. Or VTI + VXUS.

geeeeeep

VTI VXUS GOOGLE. Broad index funds in US, Europe, and powerhouse mag 7 with upside

ResortInevitable7627

I have VOO, VXUS, GLDM, and AVUV I think. GLDM is up 34% I think, of course I don't expect that to last forever but it's crazy to see as a beginner

breadtaker1

too much overlap imo, maybe some intl like VXUS would be nice.

AnAlternator

VXUS. It comprises the entire non-US stock market, and if you're specifically trying to avoid US exposure, it is the obvious choice.

TerranOPZ

I see some people mention VXUS to get international. While I agree, I would just skip that step and buy VT instead of VTI + VXUS. If you want to overweight VTI for some reason, you can buy VTI and VXUS seperately.

Excuse_Standard

Yea I'm hearing VTI and VXUS would cover the US and international markets. And maybe use a smaller portion like 10% or so in a higher risk reward or just to invest myself. Not sure what higher risk reward ETFs or setups there are though

Honest-Acanthisitta3

VTI and VXUS pretty much covers the entire market so you can’t go wrong. Or just go with VOO

Ok_Association9812

Im looking for some other funds that can provide some income, or growth. The current climate is making me nervous. I have about 30% - SPAXX/CASH , 23%/VOO, 18%/VTI, 9%/SCHD (which is not moving anywhere) 3%/VXUS and about 19% spread around some single equities (NVDA, AVGO etc) . I feel like im missing out on the cash growth/ but its a safety net.. Thoughts?

Honest-Acanthisitta3

VXUS

idmook

100% VXUS?

Individual_Error_471

I’m 21 and a senior in college with \~$10k in an Amex HYSA (3.5% APY) and $3.4k already invested in Robinhood. Thinking about pulling $5k from my HYSA to put into ETFs for long-term growth. Debating between going all-in on VTI/VOO for simplicity or splitting into VTI + VXUS (and maybe SCHD for dividends). For those who started young, what ETF strategy do you recommend?

0xBAADA555

VXUS isn’t even 25 years old… what are you talking about?

junger128

Essentially the same thing, right? I’m 70% VTI and 30% VXUS. That covers the world, if that strategy fails then we probably have much bigger issues.

gmenez97

Are you VXUS and chill or VT and chill?

HulksInvinciblePants

Look at VXUS’s performance over 25 years. Its rolling returns are terrible for the risk.