VXUS

bofoshow51

The healthiest portfolio is one that is diversified across the markets. S&P 500 is great for US market coverage but misses mid and small cap stocks, however that’s not a major deal from a historical performance perspective. The index was designed to be a representation of the full market anyway, and does a good job of that even if something like VTI now’s lets you own the whole US market. All you need is some total international market coverage (VXUS or the like) and you are good to go. 60/40 US/International is the current market weighted balance. Remember that the name of the game for investing is holding long-term in stable diversified positions.

stumanchu3

Try out SCHA. For small caps I’m siting on a 19% gain since last May, and it’s only going to get better. Also, VXUS is taking off!

sogladatwork

Yes. Even move some to VXUS. Diversity out of America. A world of free trade will beat a land of tariffs at every turn.

MasterMarf

Honestly, you need to head over to r/Bogleheads and get their advice. They'll tell you to invest something like 70% VTI and 30% VXUS. You want something stable that will grow slowly, there it is. There is no single stock that does what you want. You need a collection of stocks in the from of an index fund, like VTI and VXUS are.

Puzzled-Thought-8401

Since you are just getting started, I would suggest, for the sake of simplicity, to get VT which has both US and international exposures. Alternatively, you could do VXUS (international) + VTI (US), you would then need to figure out how much you want invested in VTI vs VXUS. This set up offers you more flexibility as you pick your own allocation. VT takes care of the allocation between US and international for you. Good luck!

butterflyuniverse77

Thanks for the words. I appreciate it :) Sounds like VT at least opens it up to global and VXUS excludes USA (which may be also an option since I already have mutual funds and a tiny bit in S+P.

RickDick-246

If you’re early… you’re wrong. Bro should have dumped that $100k in VTI, then VXUS when the tariffs were announced and he’d be sitting at $200k. Congrats on your 1 share of Reddit. Hope it doubles in the next 6 months.

panna__cotta

Are you? Obviously there is a tongue-in-cheek tone to my comment but I think you can probably figure out what I'm saying. The push to VXUS is driven by temporary political sentiment rather than actual market mechanics.

CuriousCat511

Then why do you own 50% VXUS?

panna__cotta

I can’t stand Trump but none of that really matters. It’s a mental play, not an industrial one. The American market has no real competition and neither does the dollar as reserve currency. VXUS is like the gold play. It makes people feel safe. It’s not *really* economically informed though. Hell, just look at SPY all time vs gold or VXUS all time. Look at American earning power and spending compared to the rest of the world. Most of this shift in international buying is driven by *Americans*. It’s sentiment, not facts. The US has room to devalue their dollar and is using it to devalue their debt. The call is coming from inside the house. Sentiment will just as rapidly shift back the minute Americans feel like it.

panna__cotta

I know a pump and dump when I see one. Show me a real economic case to be heavy VXUS long term. And I say this as someone currently 50% VXUS but do not expect it to be a lasting shift.

Unique-Plum

VXUS is up 32% in 1 year vs 13% for S&P 500

sirzoop

I own VXUS as well. I wanna look back when he's out of office and see how well we did

ZoraHookshot

It's why I switched to VXUS when Trump was elected

Senpai_Slime

Yeah this is fubar, rotating more money into XEC and VXUS

toss_me_good

I knew a literal surgeon that made $300k a year. Drove a Honda, $1,800 a month rent, rarely ate out. He would lose on average $150k a year to random crypto or market options. Some big wins but end of the year he was always down... Told me he just wants $3mil so he could retire early. Told him with his lifestyle moving those bets into QQQM, SMH, GLDM, VXUS he could retire in 10-12 years well before 50. "That's too long".... Some people need the thrill

Poundcake2RedVelvet

VXUS still up .6% as of this comment 😹 international bros take a victory lap we eating good this cycle

Heyhayheigh

Either approach is fine. VOO VUG, the mix of VTI VXUS. Even a little mag 7 one time buy and hold is ok. No real wrong answers. Just stay away dividends, penny stocks, bonds. And teach the kid to auto weekly VOO once he starts earning and to not panic sell. People focus too much on the “recipe”, when they should be focused on the behavior. I’m not mad when someone goes international exposure for diversification. I just worry they don’t do more auto because of over complication. There is nothing more powerful than having a simple symbol, VOO, and just working hard to increase the weekly. 35, cool see if we can do 40, 50, etc. this is how progress is made. Anything that helps you spend less and invest more = your friend. Anything that adds friction to increasing that auto = your enemy. Overthinking and worrying about the magic secret recipe = common friction.

tinydisaster

VXUS and VEU my beloved. Everyone else wins when we shoot ourselves in the foot.

Anxious_Protection40

I’m just buying VXUS for now. Sell America trade + less tariffs is solid , until Trump / Republican lose powers at least. 

Crazy-Cat-Lad

Now what would you suggest for my son's UTMA? Right now I only have $200ish (35/week to this) and allocated to VTI and VXUS. Add VOO too or swap?

financiallythriving

VXUS and chill

Cav829

Honestly, I've more moved an added chunk of my 401 toward international funds and have suggested it to others is just to get away from how tech-heavy every general market U.S. fund is at this point. But yeah, similarly I had a chunk in international for a decade that was seeing single digit YoY growth for the most part until the last year. People should not assume another like 30%+ year and instead should look at it as a diversification and defensive play. Also I prefer something like VEA (slight variation of this is the one in my 401) or just the simple VXUS as I want exposure to Asian and Latin American markets right now.

Crazy-Cat-Lad

Ehh its kinda rewarding and I like the idea of it (like APY on my HYSA). I am biased towards funds that provide dividends though and do have VOO on my UTMA account I set up for my son. That and VXUS I believe. Haven't bought into QQQ(M) yet but have researched a bit. Between my auto-investing deposits, including weekly into HYSA, I'm up to like $125/week. I'm more or less the sole provider for my family in expensive CT so don't want to overreach.

brute-forced

If he wasn’t such a legit retard we’d be double VXUS % already this year.

Wolski101

I generally agree but would say a decade is a bit much. Betting markets have >50% odds of a trump impeachment by the end of 2027. My position has been overweight on internationals (60%) since Trump won, and I am going to continue that trend until just before the US election, then go balanced again (30% VXUS). I think we see a blue wave, a Trump impeachment, and a US rally in 2027. Maybe I am optimistic but betting markets agree.

blind_homer

Two thirds VTI, one third VXUS. Let it cook for 30 years with regular contributions (hopefully increasing in size) and you'll be a multi-millionaire. You have US equity overlaps and are missing out on a lot of international. Gold looks gamble-ish.

Emotional-Power-7242

VXUS, VWO AVDV, DFIV is what I hold. AVDV is up 45% or something crazy in the last year.

blind_homer

2/3 ish VTI, 1/3 ish VXUS, 5% ish VGSH or cash

MizDiana

I invest in region & country specific ETFs, due to believing I have better knowledge of international affairs & politics that can out-perform ex-US indexes. But I don't particularly recommend that same approach to those without my international affairs interests & education. My two biggest holdings last year were EWY and EWP (Korea and Spain), though I'd recommend FLKR over EWY in general (lower cost) and I don't recommend EWP this year (last year it was my second best performer). South Korea went gangbusters last year due to the post-coup-attempt bounce-back + Samsung + SK Hynix. FLKR is a great pickup if you want both Samsung + SK Hynix (both component suppliers for AI data farms, etc.) + industrial and defense stocks. Spain had excellent success last year due to demographic advantages over other European countries & the Socialist government's ability to pass common-sense legislation despite expectations of political chaos. Conservatives have been winning regional elections in the last few months however, giving a more unstable feeling to the business environment. EZA (South Africa) could be good IF you expect a continued commodities boom. Trump hates South Africa though, so there's some minor risk there, depending on how smoothly you think Chinese multinationals can replace American multinationals if Trump trade's policies significantly harms business ventures like Ford South Africa. VXUS is great if you don't want to switch in and out of various countries & regions every few years as fundamentals change.

SpeedRacer-Mach5

VXUS

ollieollieoxendale

VXUS/VT is at the top of the ratio channel. If we stay above, it will be long-term bullish for XUS, but the strength of a continued run is unlikely. I hope that we stay at par with VXUS.

AICHEngineer

"massive" is like -10% measured by DXY after it had an uninterrupted up and to the right rise from 2008 to 2024, part of why stuff like VXUS/VT look sad compared to VTI since they were priced in a dollar that kept strengthening.

MizDiana

Some basic broad ETFS (lots of holdings in lots of stuff, they're pretty diversified). VT: stands for Vanguard Total Market (Vanguard is the financial company that put together the ETF - they are well known for having very very low fund maintenance fees, which is a good thing). VT has both USA and International stocks - you're investing in companies all over the world. It's diversified in both sector (tech, industrial, financial, etc.) and geography. It has more USA stocks than you might expect, because the USA has such large financial markets. VT is what people get if they just want to be diversified as possible. VOO (Vanguard S&P 500 ETF) focuses on replicating the S&P 500 index: large-sized United States companies. It's like VT above, but only USA-based stocks (though of course many if not most of the companies invested in will be multi-nationals). It's what you want to buy if you want to be diversified, but also think that the USA is special and will out-perform the rest of the world. VOOG & VOOV are variations of VOO prioritizing companies with certain characteristics. If you look at their long-term performance, they do similarly but a little bit worse than VOO over the last 5 years. They could do a little better in the next 5 years, I dunno. VXUS (Vanguard Excluding United States) - it's like the VT & VOO in that it is a sector-diverse ETF. It's what you buy if you want diverse holdings but think the United States is going to perform worse than the rest of the world for the next few years (or however long you hold VXUS). Say, for example, you think Trump will be really bad for the USA stock market - you get this until you think things are going to get a lot better for the USA. You think this is a bad investment if you believe Trump is revitalizing America. General background advice: You should have an IRA account (Roth IRA, standard IRA, whatever - similar things). This is a tax-advantaged account with a limited amount you can contribute per year. Get one, usually a Roth IRA, and max out contributions each year. If you don't have one, you should be able to put in $14,500 right now (last year's maximum & this year's maximum contribution). You will get taxed on this investment account if you pull out the money before retirement (the same as a regular account), but if you keep it to retirement you can basically dodge taxes on your successful investments. A brokerage account will be similar, but allow you to invest as much as you want rather than a maximum amount per year. For the brokerage account especially (but also for the IRA if you pull out money early) you should be aware that there is a tax advantage to holding long-term investments. Investments that you buy and then sell in less than 12 months are taxed as regular income (like your salary). Investments that you buy and hold for more than 12 months are taxed as capital gains - a lower tax rate. So finding some good broad-based ETFs, sticking money in them & just letting that money sit there is a GREAT strategy for someone who doesn't have specialized investment knowledge. Fancier stuff, or picking specific stocks, is for when you have specialized investment or sector knowledge that you think gives you an advantage over just holding a broad index fund. Taxes are paid on gains only. If you invest 10k & it goes up to 12k & you then sell (only after you sell do the gains or losses become tax-relevant), then you owe taxes only on the 2k that you earned above your original investment. Losing money in an investment sucks, but does reduce taxes owed. Last, equities (meaning stocks) are highly resistant to inflation. If the value of the dollar goes down, that's okay. The falling value of the dollar means the value of those stocks will go up. This is another reason investments are so much better than simple savings accounts. (Real estate - your houses - work similarly.)

Acceptable_Dirt69

VXUS

MomentPrestigious180

VTI: -0.57% VXUS: -0.59% VT: -0.61% See how market manipulators can't even do math right.

bofoshow51

28. 61% US equities, 34% ex-US equities, 5% bonds. Balance is through a combo of TDF in 401k, VT in Roth IRA, and VOO + VXUS in brokerage.

ConcentrateOk523

Nothing against Vanguard advisors but they recommend the standard 4 fund portfolio of VTI, VXUS, BND and BNDX. In July 2016 this is what the advisor recommended to me at age 49 and told me to put 35 percent in BND and BNDX and 26 percent VXUS. I went with 20 percent bonds. My portfolio would be at 4 million if I just went without the bonds. If I did 35 percent bonds and their recommended portfolio I would be at about 2.5 million. I am at 3.1 million.

Adventurous_Elk_4039

I said broad market. I am talking VTI/VXUS. Hold it all.

dollar_llamas

Brk.b and VXUS for all new additions

TrashPanda_924

Late 40s. 75% VTI/VOO, 15% VXUS/Fidelity Int’l Fund, 8% BND, 1% BTC, and 1% physical metals. Planning on working until 65 if I enjoy my job, but have the flexibility to FIRE sooner if I’m ready to call it a day.

0dtespycallsmistake

28 90% VOO 10% VXUS Looking to increase international exposure this year

Unfair_Explanation53

VOO and VXUS will be fine if you want low risk

Vilgan

44m 22% VXUS (Increased from 12% when Trump was elected) 40% VTI 36% options/single stock ownership/other stuff 2% bitcoin (bought at 90k, should have waited..)

LuckyKiwis

Late 30’s 75% US Equities (VTI) 5% Russell 2000 index (IWM) 10% Ex-US Equities (VXUS) 5% Brazil Equities (EWZ) 5% China Large Cap Equities (FXI)

burn_bridges

32. 55% US (VT), 30% International (VXUS, VYMI, and VWO), 5% stock pick ems (RTX, RKLB, LMT being primary atm), and 10% short-term bonds (3 months rotating, and ready to deploy if a good opportunity presents itself). Bond holding is high, I know, but I am using it also as a second emergency fund so some liquidity helps.

options-tradin

Is it redundant to own VTI and VXUS and still have FXAIX and FZILX? Trying to rebalance my Roth portfolio. Mostly own vti and vxus and have some shares of FDEGX. Not sure if i should swap it for FXAIX and FZILX or just sell and put the money into VTI/VXUS.

khais

I've moved all my VOO holdings to VXUS. My only exposure to the US markets going forward will be in my employer's target date fund. I have entirely lost faith in the American economy.

No_Mistake_1778

I am 17, living in the US. I have around 30k and am deciding how to allocate it among ETFs and individual stocks. I should make around 17k this year, so I am going to max out my Roth IRA. This is how I currently plan to allocate my money, any thoughts or suggestions? |Brokerage|Cash|Roth IRA 2026|Individual Stocks| |:-|:-|:-|:-| |28,000|2,500|$7,500|250$ PLTR| |6,000 VXUS|||200$ Meta| |12,000 VTI|||50$ Lockheed Martin| |5,000 QQQ|||200$ NVIDIA| |4,000 SCHD|||| |1,000 Individual Stocks||

Personal-Walrus-3682

I'm 80% VXUS right now, lol

PrestigiousPen-2468

Starting out, go with a broad market index. VOO is the top 500 companies in the US and historically pretty solid long term results. VT is the world stock market and a bit more stable/diversified than VOO. If you want to manage weighing more towards US or international, a good starting combo is VTI + VXUS (US market index + world index minus US).

Nim0y

Index are groups of stocks a company bundles into a ticker. VOO and VTI are some popular American ones with very low expense ratios. VXUS is a popular international one. You can look up what stocks they hold.

Dirkredblade

Yeah, I see your point, I don't want to hold physical gold, but what about having 5-7% of your portfolio in an etf like GLD? Historically, this would have helped in inflationary periods like 1969-1983 or flat periods like 2000-2010. I'm thinking of GLD, like i think of VXUS, most of the time VXUS lags VTI, especially the last 25 years - I don't want to hear about last year's VXUS overperformance- for the last 25 years (I'm using this timeframe because I started learning about and investing in this timeframe, so using personal experience) VTI equivalent returned 9.2%, VXUS equivalent 6.38. To my eyes and experience, VTI crushes VXUS, so why bother, but I also know that there are many 10-20 year periods where VXUS beat VTI, like 1969-1983 and 2000-2010, so I hold VXUS, to help my portfolio during those periods. The argument can be made that holding 5-7% GLD for a similar period will help the portfolio, if we hit inflation or a flat period in US equities, which will happen again at some point. History may not repeat, but it does rhyme, especially if USA continues isolationist and tariff policies.

Realistic_Agent_9494

I would literally just do some mix of VOO, VTI, VXUS, SCHD and QQQM

GomaN1717

Or, if you're reddit over the last year, VXUS, AVDV, and IXUS given that the US economy is about to collapse indefinitely or whatever.

sonicking12

So barely beating S&P 500? A lot worse than VXUS? What's this insider trading?

Dirkredblade

I stay 100% invested and never "have cash on the sidelines waiting to deploy at the right time", because i watched my parent's underperformance. Their retirement is fine, they've done well, but I know that they had at least 200k in 1998 in their retirement accounts. Backtesting with testfol.io says that if they had kept 200k in a mixture of 70% VTI 20% VXUS 10% short term treasuries, they would have 1.8 million today, without adding any more money. If they had added 10k a year, which they should have been able to do -my Dad always made more than 100k and my mom worked part time for vacations and stuff, they would have $3 million. They have about $1million. They never panic sold losses, but after 2000-2003, they paused, "waiting for the right time to re-invest", and then started in 06 or 07 and then 2008 crash, and then again, waited 5 or 6 years and missed a lot of good years, with new money mostly sitting in a fund that my Dad's government job offered that was basically a guaranteed 4% money market fund. They're smart people who knew better, they didn't necessarily "sell low buy high", but they kinda "waited low, bought high". If they had left it alone and just stuck with their allocation, they'd literally have 3 times the money. so i picked my allocation and stick with it, because i don't want to do what my parents did. in their defense, my Dad also has a pension- so their view is that is all extra money, but my view would be, since this is all extra money, why am i scared of losing it? not saying i'd gamble with it, but i would be aggressive, not always holding 40-50% in a cash fund, while waiting for the "right time". It's so simple- just buy a mix of US equities/ex-us equities/ and whatever mix of bonds lets you sleep at night, and buy every month or year with extra money. It's so simple and obvious, but almost no one actually does it lol.- including myself- i've had plenty of years where i should have invested more or just stayed put, but i tried tinkering, but now i'm 48 and i realize i too have less than i should because of this and just stick to the plan.

ClosedDimmadome

If you don't know what you're doing, or even if you do, most people are better off investing in diversified index funds. I highly recommend against picking individual stocks or even specific sectors with any significant amount of your retirement savings. Look into the Bogleheads forum. A simple 3 fund portfolio with VTI, VXUS, BND is often recommended. What got me started was my employers automatic contribution. I started contributing 6% pretax and it automatically goes to 10% unless I would have stopped it. Decided I didn't want to retire at 65-70 like most people so I bumped it 15%. Then 20%. Now I'm sitting at 28% including my companies match hoping to retire at 55.

Various_Couple_764

from what I see SPYG and VIoo are very similar They both use the same index but SPYG use only stock in the index with the highest growth. SPYG is going to be harder in a downturn. I would go with VOO and VXUS. individual stocks (defensive individual stocks and AI/tech stocks) make sense for my situation? For defensive I would invest in dividned funds. That way when the market crashes and you have no cash your dividend funds would provide some income to invest when the market is down. I would invest in fund that invest in companes that pay a higher dividend because the Law requires them to. PBDC and EMO are my choices and both have yields of 9%. If you don't have money these found would provide you with income you could use for yourself or you could invest the funds into VOO and VXUS. I would with Fidelity. Been using them for years with no problem.

Select_Reply

I'm just starting to invest, little shy of 40, very basic VOO VXUS. Where do you draw the line on keeping 3-6mos of expenses in your checking, investing the rest, and taking money out of investments if you need it?

DoinIt4DaShorteez

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

Emotional-Power-7242

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

Longjumping-Bid-9523

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

brute-forced

VXUS is +7.1% YTD SPY is negative Thanks mango

Round_Context_146

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

DoinIt4DaShorteez

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

BrianMX34

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

smashnmashbruh

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

Upogee

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

Emotional-Power-7242

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

Emotional-Power-7242

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

azure275

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

azure275

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

brute-forced

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

AnonUserAccount

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

Seattleman1955

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

barkinginthestreet

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

great_apple

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

DoinIt4DaShorteez

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

SirGlass

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

dinklebot2000

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

SnooPies4650

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

Imallvol7

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

KumingaCarnage

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

chancepack

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

TheBlacktom

Since inauguration VXUS +44% vs. VOO 20%

Visible_Wolverine2

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

RoverV

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

TreGet234

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

bofoshow51

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

Complex-Jello-2031

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

alwayscomments

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

Judge_Frenzel

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

obidamnkenobi

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

HistorianOrdinary833

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

driffson

He probably thinks VXUS is an STI

oakinmypants

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

kdolmiu

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

Maleficent_Spare3094

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

SynapticMelody

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