VXUS

interstellara_

I think the ingredients for this stagflation vs the past really matter. We see that our allies are alienated by trump's actions and are working around us, so we know trade is going to continue around and outside the US. I feel safe enough continuing to DCA into VXUS and other broad international index funds for moderate growth. If real stagflation hits, raising rates is the only thing that is going to control it, so we're going to see better returns on CDs and HYSAs than before, which some people will move back into; CDs were huge back in early 80s stagflation years. I'm not so sure about real estate, it really depends on where and when, because high prices have been the game for so long. VTIP is where i'm parking any extra money outside the emergency fund that I'm not investing, but will need short term. It beats my HYSA for now. And then there's gold ETFs, or maybe just straight up gold if you want to take that risk in your own hands (I don't), materials ETFs, etc that might be a good buy. I have a very, very low percent of funds in gold, like literally less than 1%. I got in when it was $3000 last year.

DarkVoid42

actually he is correct - VOO+VXUS has lower management fees than just VT and chill if you split it out. but that requires more thinking.

subfloorthrowaway

You can just do VT as a conservative bet, which is basically 60/40 VTI/VXUS. I like 70/30 VTI/VXUS personally, but all-in VT is fine too. You are very diversified with this. If you want to be even more conservative toss in 10% BND or VBIL or SGOV.

Bill_Clintons_Desk5

VOO and VXUS are the bastard children of my port

DietAny5009

Do it earlier. Don’t wait. Spend time learning while you deposit each month.. Do it now. Make some mistakes and figure out your risk tolerance. Even if you’re putting 20,50,100 a month. Low cost, broad ETFs (we do VTI and VXUS now) should be in the mix. Probably 50% or higher of your overall portfolio but if you want to go high risk/high reward then do it. You could hit.

aspire-every-day

If we keep an allocation in bonds that doesn’t drop as much, it’s a rebalancing opportunity to pick up more VT / VTI / VXUS on sale before the market recovers. Just don’t sell equity positions when they’re significantly down.

No-Dust-1722

It’s going to be hard to beat 4.6 right now with anything that approaches “safe” in this market, at least on a time horizon like 8 years. Volatility is pretty wacky right now and there is a lot of concern for market corrections and pullbacks. That being said, I have part of my savings in higher-yielding ETFs and equities that I’m betting on not totally crashing in a down-turn. SCHD, AGNC, and VXUS are a few of them off the top of my head. I’m always at least half SGOV though.

emjaycue

Yeah except those far more important factors are already starting to favor non US investment. Compare VXUS to SPY or VTI over the last year. This takes away yet another advantage US markets have, other than stable, sane leadership and soft power which are both gone too.

Fit_Square_520

Looks like you're doing great to me. I'd add a little VXUS and a little SMH and call it a day. Everyone has their own little tilt.

JumpCutVandal

The past 10 years have been insane for SP500 and US markets. Historically, it evens out with international markets/european markets. I do 60% VTI/VOO and 40% VXUS for total stock market with a good amount of Euro markets. I feel like at your age you should diversify, especially with a shitty USD and all the crap we're going through.

TrapNFree

After 13 years, last year was the year to hold VXUS. Who would have thought there will be so many drastic changes like bullying close allies, rules flip flops, chaos and what not.

StegersaurusMark

Why is the top gospel in this sub SP500 rather than a globally diversified index? ie VT instead of VOO gives more diversification. I know that SP500 has overperformed for a long run now, but for example VXUS did better in 2025. You are also missing small and mid caps within the US using only SP500

Haunting-Tip-4428

Honestly, what you're describing is basically the classic “stay the course” strategy, and historically it has worked extremely well for long-term investors. A few things to consider: At 35 your biggest asset is time. Short-term market cycles matter much less when your horizon is 20–30 years. The S&P 500 is already diversified internally. People sometimes forget that buying VOO already gives exposure to hundreds of companies across sectors. The real risk isn’t concentration — it’s behavior. Many investors underperform simply because they panic during downturns or try to time the market. What some people do at your stage is add international exposure (VXUS), bonds later in life, or a small allocation to other assets, but the core principle is still long-term compounding. If you're interested in the broader thinking behind building robust long-term strategies and decision frameworks under uncertainty, this book also touches on that mindset: The Art of Strategic Thinking: A Practical Guide for Decision-Makers — Caspian Lux https://www.amazon.com/dp/B0F6YX8FQ8 It’s not an investing book specifically, but it discusses how strategic decisions under uncertainty work in areas like finance, business, and policy. In the end, though, the hardest strategy is still the simplest one: stay disciplined and avoid reacting emotionally to market cycles.

EagleParty

Watching, looking to buy tomorrow. VTI, QQQ, CIBR, IBB, VXUS.

xiaodown

I’m considering moving from QQQ to VXUS and VB (international and small cap). Historically returns aren’t as good but at least i’ll be slightly less exposed to the AI scammers.

Shannon_Foraker

This post did \*not\* age well. VXUS hit + 19.22% in the past year. Heck, over +50% from the bottom of April's TACO dip. It looks like most of the US outperformance was post Great Recession.

mrdungbeetle

Today, in the middle of a war, with the beginning of stagflation upon us? I would probably keep 25% of it in cash in a \~4% money market account maybe with some in CDs; 25% in VTI; 25% VXUS; 15% in individual US bonds (1-6 year duration, split evenly between Treasury/TIPs, Corporate & MBS maybe 10% of each would be high-yield) and 10% international bonds (half unhedged). If I had to pick a few individual stocks: Apple (stayed out of the AI bubble; MacBook Neo is disrupting PCs all over again); Google (bullish on YouTube, Waymo, and Gemini), and AMD (a fraction the market cap of NVDA but their tech isn't that far behind.) But first I would buy myself a high-end mattress, chair, computer, and some new clothes, and take a vacation. About $25K. And invest the remainder.

VoicePleasant1280

I would not, don’t by VXUS at ath, there will be heavy rotation out of VXUS, has had its bi-decade large gain.

Ecstatic_Kale3326

From an investment perspective, consolidating your accounts right now is actually a very rational move. Having too many accounts and an overly fragmented portfolio makes it easy to fall into the trap of redundant investments—for instance, holdings like VTI, VXUS, and VT actually share a significant number of overlapping constituents. By simplifying your portfolio structure, you will gain a clearer view of your overall asset allocation and find it easier to manage risk. However, one point is worth noting: while simplification is beneficial, it is advisable to carefully limit the proportion of highly volatile assets—such as leveraged positions (like those in the HFEA strategy) or cryptocurrencies—within your portfolio; otherwise, the overall stability of your holdings could be compromised.

Unfair_Explanation53

Are you struggling for money at the moment? If not I would just sit and hold and also build and emergency fund. I'm using this time to stack. VOO and VXUS are down atm and I'm buying those dips

hojiwa

It’s a matter of relative price to value. VXUS or DFAI - for the value of the companies they hold- is cheaper than the S&P500. I wouldn’t try to time the market by selling VOO; just put any new money to work buying international/Ex-US

1-Dollar-Doge-Coins

And since the war started, VXUS has been dropping more than twice as much as SPY.

Personal-Walrus-3682

Not trolling, but I inherited $1.2 million from a deceased uncle and never had invested in my life. Not dumb, I'm a scientist and married to a doctor. We just never invested ourselves outside of our automatic/managed 401k. Used it to pay off student loans ($300,000), pay off house ($350,000), and the rest I put in VTI/VXUS after browsing reddit. That was a few years ago. I sometimes pick stocks, but don't really have time to actively manage so I just use the ETFs.

InfiniteNerve1384

Honest feedback: take your down payment and move it to SGOV. 75/25 the rest VTI/VXUS. Best you’re gonna do in this market.

marima33

As an index - VT (or VXUS if you want EM included). If you want a quality factor ETF - IPKW.

bestnameofalltime

Oversimplifying much? Returns were way higher in VXUS last year than US

Responsible_Ad_7995

VXUS

KaiserSaladSpinner

don't panic, but it may be a good idea to add some international exposure in something like VXUS or SCHF.

skilliard7

VXUS is down 9% from ATH

skilliard7

How are you up 3x on foreign in the past few weeks? VXUS is down 9% from all time highs.

crashnbash25

Nice. Yep im around 10% BND, 25% VXUS, 40% VOO and 25% stock. (For my non sgov positions) I bought Sandisk at $38 a share (had 115 shares), NVidia at $90 a share, reddit at $90 a share (100 shares) and I did Netflix calls when then were at $80 but I sold prematurely when it hit $92. Coulda milked it a bit more I sold off most of my Sandisk but still have my NViDIA and am going hard into Reddit since I think its super undervalued.

StegersaurusMark

OP adjusting long term strategy to be more diversified arguably is arguably good advice: include international/small/large cap, such as VT, or blend in VXUS and other funds. And panicky advice to make drastic sudden changes without a reasoned strategy adjustment is definitely bad advice. SP500 has done phenomenally well for a long time now. However in 2025 I’m pretty sure VXUS outperformed. My understanding is that small caps historically out perform large caps, but the past decade has been the exception to the rule. Do you want to rely on recency bias to overweight US large caps and ignore other markets?

trieu1185

VOO already has the single stocks you own. That's duplicating?!?!?! Like other people said, diversify; put that other 20% into VXUS or IXUS for international exposure.

basementdweller263

VOO as the core is fine. The only real “gap” is you’re basically all US large cap, and the extra 20% in big tech pushes that concentration even more. If you want a hedge without changing your life, add a small international slice (VXUS) and call it a day. Bonds just reduce volatility (they won’t always “save” you), but a small % can help if you’re the type who might change course during a big drawdown.

TemperMe

You should be investing more right now, this is a buying time. I’d go 80% domestic (VOO) and 20% international (VXUS)

Key_Lifeguard_8659

I hold VOO 50%, VXUS 20%, AVDV 20%, and FLKR 10%. This diversification has been a great balancer, especially against AI disruption....That said, even Asian equities have been impacted by current events in the Middle East.... AVDV hasn't been impacted nearly as much.

interstellara_

For right now, I'm in a 50/40/10 split: VTI, VXUS, and VTIP in case of job loss. if we make it through the next couple of years without needing it, I'll just sell VTIP and reallocate into whatever needs rebalancing according to the way geopolitics and trade agreements look then. Before last year I was 80/20 in VTI/VXUS and made money, but times are different and the writing on the wall is that tariffs hurt us. War is going to hurt us more. The market is somewhat separate from politics, but the economy sure isn't going to be separate from the consequences of war.

Upset-Motor-2602

Shift some VOO into RSP and VXUS.

steady_compounder

At 35 with 25+ years to retirement, all VOO is honestly fine. The S&P has beaten almost every other strategy over that kind of timeframe. Your biggest risk isn't the allocation, it's panic selling during a crash. The one thing I'd add is some international exposure (VXUS) so you're not 100% betting on the US. Even 20% international gives you a hedge against US-specific risks without complicating things.

Narrow-Flint928

Yeah, the tech concentration in VOO is wild, like putting all your eggs in one high-altitude basket when you're climbing. I've been slowly adding VXUS too for more balance.

LeakyFish

VXUS yo.

Awkward-Watercress33

VOO is a solid core holding, especially with your horizon. I've stayed heavy in S&P too, but I sprinkle in VXUS and Fundrise VCX so I get some diversification outside just U.S public stocks.

anpr_hunter

You're getting downvoted but you're right. VXUS outperformed the Dow by 2x despite being up by 50,000

ErroneousEncounter

If you look at pretty much any 30 year time period since the creation of the stock market, putting all your money into an index fund that tracks the S&P500 has historically been the best bet. That being said, these are unprecedented times. My main concern has been the trend of de-dollarization. For that reason I’ve rebalanced things and been investing more in commodities (like gold and silver) as well as some international ETFs and energy and I plan to keep doing so until things improve (probably 1-2 more years). However I think trying to understand the market is incredibly hard, and trying to stay on top of it is incredibly time consuming. The average investor is best served by finding a trustworthy person who works in finance to handle their investments. The problem with that of course is finding someone trustworthy. If you want to do a quick and easy diversification, you can divide your portfolio between VOO, VXUS, Gold, and short term bonds.

RoastedMocha

Im in a similar position. Personally, I am doing a little hedging with 10/80/10 in VXUS/VOO/Individual. I would like to move that to 25/65/10, though. Personally, I'm not a major fan of VOO's holdings but I can't deny the performance.

ExpensiveToes4729

Those single stocks as well as VOO weighting means you’re very heavily weighed in large tech companies. I’d do 50/50 VOO + VXUS to diversify and balance risk a bit.

leaning_on_a_wheel

I would add some international, look at VXUS and similar

_TheGoogz

Hear me out.. You can adjust your strategy. When markets run hot for extended periods of time you can make adjustments in terms of what you're DCA'ing into your VTI/VXUS holdings vs. what you're DCA'ing into a cash position. My fault for not realizing that cashflow and cash in a port was so controversial here.

Illisanct

I switched from 100% VTI to 70/30 VTI/VXUS on February 27th, because I was tired of missing out on the international gains. 🤬

Detailed23

I put 25k in on VXUS and its down 6%

GaylrdFocker

absolutely VTI/VXUS AGTHX has high fees and is front loaded. Horrible idea

Armyman2007

I’m not trying to profit off the war but did want a hedge in case my long term portfolio took a big hit. I bought some UUP calls a few days ago since the dollar is getting stronger for multiple reasons. Not sure how long this uptrend will last. I am also slowly buying long term shares in VTI and VXUS.

Cav829

I've invested in international funds (variation of VXUS in 2 of my accounts because of plan restrictions and VXUS in another) since 2007. I like having a portion of my investments in international for a couple of reasons: capturing the growth in certain markets, a hedge against the U.S. stock market, the fact most international funds are not so insanely exposed to tech, and the fact it's not overly concentrated in the same 7-10 companies the S&P currently is. So like, people are freaking out because now VXUS is down 3-5% on the day while the S&P is closer to down 2-3% over the last month. They neglect to note VXUS is +1.97% YTD and SPY is -2.32%. I still like it as a hedge. Assuming +25% gains YoY every year is insanity. If you're worried about when to buy in, timing the market carries risk. If the U.S. market tanks tomorrow, it's certainly going to drag down the rest of the world to at least some degree. Remember, Greece almost took down the world's economy. If you're sitting in cash right now because you think we're at the top, you're not worried whether VXUS is $72 or $77 or $83: you're committed to sitting in cash until the macro-narrative that put you there resolves.

Electronic_Bee3134

I meant there's no need to do VT alongside VTI+VXUS, though maybe VT for the tax advantaged account for simplicity and VTI+VXUS for taxable account to use the foreign tax credit

Electronic_Bee3134

Fair enough, or go with my portfolio of SPTM+VXUS (+AVUV+AVDV) 😁

Affectionate-Panic-1

I don't like buying whole market funds for short term trading, too hard to predict. VXUS is 7.5% cheaper than it was the last month, and I do believe the oil shock will be temporary (lasting a year would be a bad case, but even after a year most of VXUS will still be solvent and will make money in the future).

rascallyrascal1511

I'm going for the long term, so I'm considering buying more VXUS myself. If it goes down more, I may buy even more. And while we're waiting for it to go up again, it pays a pretty sweet dividend.

Huffnpuff9

Fun money is in VXUS? Lol. Atleast do FTEC or SOXX then.

dogs_gt_cats

VXUS+VTI/VOO if you want the foreign tax credit, VT if you don't. Either approach is fine.

Electronic_Bee3134

I'd sooner say VT or VTI+VXUS rather than such a combination. But agreed that holding to an investment strategy that continues whether the market as a whole, or an individual position, goes up, down, or stagnates - is the best approach.

Successful-Tea-5733

The move away from US Assets recently has been more political than financial. The largest company on VXUS, TSMC has a market cap of $1.5 tril. Next is ASML at $500bil. For comparison TSMC would only come in around 7 on the S&P 500. ASML would be around 16. The US is simply a better place for business and you'll see that in stock returns. And keep in mind, both of these are going to go up and down with the same AI/Chip/Semi volatility that the Mag7 are exposed to. I'm not opposed to having a piece of VXUS or other international. Just making the point that VXUS went up because of politics, but is falling for the same reason other large cap tech stocks are falling.

BuckyMcFly99

It’s always buy for the long term. If you’re holding throughout your life, VXUS is always a great buy

Just_Butterfly4052

God VXUS is such a pos lately

Defiant-Opposite-501

The Straits are closed and will be for some time. All the goodness and badness happens after markets close so that insiders have an opportunity to position their portfolios ahead of time. Right now I don't see much opportunity for goodness, so aside from exposure to SCHD and VDE, I'm out. VTI/VIOV/VXUS completely liquidated.

__redruM

VXUS is 24% on the 1 year, vs VOO at 20%.

Defiant-Opposite-501

The timeline for this war has been 4-5 days, then 2 weeks, then 8 weeks, now they're talking about September. You cannot win a war through the air. You cannot effect regime change through the air. I'm concerned enough that I used the recent bump to dump my VTI/VXUS and take a short term position in VDE.

Defiant-Opposite-501

Do you remember what happened to the Dow when Covid hit? Hormuz is closed. An extended closure and $200 a barrel oil will let you see that happen again. I used the bounce with Trump saying the war is almost over to replace VTI + VXUS with VDE as a short term play. So far, it's been the right answer.

salty0waldo

Yeah I never really looked at $ACWX, but it looks to track a different benchmark than $VXUS. Appears $ACWX filters out some of the weeds in small and micro-caps, $VXUS is more of a grab it all. You'll have some overlap in core international holdings in $VT and $ACWX, but that doesn't matter in my opinion so long as your target allocation is met. I have some overlapping holdings and have been rethinking how to simplify, so this was already top of my mind lol.

drew-gen-x

TYVM. $VT and $VXUS would be my 50/50 for my non trading account. I might just stay with $ACWX and start $VT for the other 50% then.

salty0waldo

$VT, $VTI, and $VXUS all track different benchmarks $VT is Total Global Stock Market that holds 10,000 stocks, US to international split is like 60/40 at the moment $VTI is Total US Stock Market that holds 3511 stocks mirroring Large, Mid, Small, and Micro $VXUS is Total World Ex-US Stock Market that holds 8691 If you are looking for Total World Ex-US, $VXUS is probably the best as it has Developed + Emerging and casts a pretty wide net. If you are looking for a fund that has US + Developed + Emerging, that would be $VT. $VTI + $VXUS is slightly more diversified, but $VT is considered more simple.

Historical_Low4458

International is always good so a lot of people recommend VXUS.

drew-gen-x

I have a very small position in $ACWX but everyone keeps suggesting $VXUS for World ex-US ETF's. Is there really a difference before I start DCA into a World ex-US fund? The other would be the diff b/w $VT and $VTI? I'm looking for more of a split b/w World +US and a World ex-US allocation vs many 50/50 $SPY and $QQQ for my non-trading accounts.

cannythecat

If the war is over why the assault on VXUS

Emily-989

You hold a broadly diversified portfolio primarily consisting of VTI and VXUS. In the long run, you probably don't need to worry too much right now, and you certainly shouldn't sell during market panic

DarkVoid42

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

Delicious_Poetry6405

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

Itchy-Back8245

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

PhxCollins

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

Raw-Garden

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

dard12

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

Seastep

Continued rotating out of VOO and into VXUS with the profits

KumingaCarnage

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

dansdansy

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

LemonTeaCool

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

Eobardesmith

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

Queasy-Doughnut-5512

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

Infinite_Playdate_XO

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

kintarogolden

im buying VOO, VXUS and VB

Consistent_Laziness

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

3DGuy4ever

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

3DGuy4ever

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

Longjumping_Key_5613

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

AngryGranny1992

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

AutoDefenestrator273

And VXUS!

ClaritXai

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

DecembersDragons

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

atlasburger

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

ToastandSpaceJam

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

RichardFlower7

Stick to VTI/VXUS don’t do a TDF…

bkkmatt

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