VXUS
Vanguard Total International Stock Index Fund ETF Shares
Mentions (24Hr)
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I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
Advice for a 27 year old trying to leave the nest?????
Limited International Fund Options in Employer’s 401K Plan?
Thinking about a higher growth portfolio for the new year.
Is there an index that concentrates on only the top 50 or so biggest companies / growers? (QQQ only focus on tech - I want the same but with all industries)
Trying to tilt for value/small cap, am I doing it right?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Which ETF is better to invest into the S&P500, USF or VOO.
Should I cut bait on some of these stocks in my portfolio?
What to allocate to a traditional IRA vs. keep in taxable account?
A bit confused about how taxes work for personal investment account
First time maxing out Roth contribution. Give me a super basic, set it and forget it, distribution
19, are automatic payment of $30nzd per week into these stocks good?
Am I missing something? What is the benefit of international diversification when ETFs like VXUS significantly underperform ETFs like VOO? Diversification just for the sake of diversification?
Beginning Automatic Investing: Need direction
Swapping my 401k from a target date fund to FXAIX
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Seeking advice on investing in Discounted Contributions Plan (DCP)
How to replicate VEU or equivalent Global ex. US ETF sold in the UK?
I have a mental issue when benchmarking my portfolio - looking for advice.
What would be the most tax efficient way distributing my savings?
What would be the most tax efficient way distributing my savings?
What would be the most tax efficient way distributing my savings?
Portfolio Review and Strategy in Times of Uncertainty - Seeking Advice
Consolidating Portfolio - VOO vs VTI + Tax Loss Harvesting
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Does Fidelity only allow fractional share buys during market hours?
Selling Stocks vs Exchanging Foreign Currency Visiting Home Country
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
How can I get good exposure to ex-US markets without unqualified dividends?
What ETF should I invest in in my Taxable brokerage
Not sure if missing something with plan to transfer to Robinhood.
What is the best international equity ETF to invest in besides VXUS?
Are my portfolios any good? 96% equities / 4% real estate
What is a good aggressive 3 fund portfolio allocation?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Used portfolio visualized and am stumped…am I totally off?
Just started investing for real, is this a reasonable mix?
Concentrating bonds in a traditional IRA and stocks in a Roth IRA?
Deciding to start my investing journey. 50% in QQQM and 50% in VXUS
Finally settled on an investment plan, wanted to see if it sounds good or not
Back in June, a concern about the nascent stock rally was the limited breadth. That is finally changing: across sectors and regions.
Mentions
Could also throw into internationals AVDE or VXUS are two recs
I would hardly even call it a correction. Look at [VTI and VXUS year-to-date](https://testfol.io/?s=d73ZYbbQQTO), which represent the US and World-Except-US respectively. They are up 13.90% and 27.71% respectively. Just looks like a little sawtooth correction that lasts slightly longer than normal. Sheesh. Yes, I know certain economic indicators are bad but... I feel like they've been bad my whole life so... 🤷
Are you saying I should sell VOOG or just add VXUS,
VTI already holds the entire US market. If you add anything to it then it should be VXUS for international.
VTI and VXUS.... Basically every stock
What you're saying is better achieved through factor investing. Basically, you keep VOO/VTI as a major portion of your stock investments, and then add tilts like value, dividends, small cap, sectors like real estate, etc. So you can have something like 50% VTI, 20% VXUS, 10% VTV/SCHD, 10%VB/VBR, 10% VNQ, etc. That way you still get some gains from growth/overall market, but tilt your investments to be less top heavy.
if you already have a big VOO position, consider international ETF. While international has underperformed overall, this year has been stronger than S&P and I feel there is still ways to go. VXUS is the ETF.
I personally think that a port of VOO VXUS and maybe bonds if you wanna be real safe is all you really need. Sure it may struggle at times but overall it’s usually better to work smarter not harder. Or trust others with your money.
I also recommend VTI VXUS BND + GLD + FBTC + BRKB and if feeling conservative, SCHD
How long before you need the $300k/year? There is no reason to focus on dividends. Back in the days when there were commissions on stock purchases and sales it could have made good sense, but now those are no cost transactions. Focus on a total return strategy and just sell when you need money. Something like a total world index (VT) or a total US (VTI) plus a total international (VXUS) if you want to control the ratio. ETFs named are examples, not recommendations.
So, don’t trade? Ok, I think I’ll trade. I am swing trading 1-2% of my portfolio daily / weekly and pulling an extra $1,000 a day/week. I do it on days I get my emails done early. I do it with shares because I’m not yet keen on options, maybe covered calls but that’s it. It’s a guessing game, maybe. But I use a little technical analysis and have a few strategies. One of the best strategies for many is to Bogle. Don’t take my word for it. That guy changed investing for many with the creation of Vanguard and the three fund portfolio: VTI VXUS BND. Hope all goes well for you.
100% VT for maximum global stock diversification with a very low expense ratio. (Or 60-65% VTI + 35-40% VXUS in a taxable account, equivalent to VT but you can claim the foreign tax credit on your taxes.) Follow the [financial order of operations](https://www.bogleheads.org/wiki/Prioritizing_investments). Head over to r/Bogleheads and read the side bar (touch the sub name at the top on mobile). There are a lot of great resources there to learn from!
op: VXUS, VGK ignore all these stupid answers;)
I looked at the sectors that went up and the ones that went down, not just today and yesterday, but in the last couple of gyrations. I consider this to be like tremors ahead of the big earth quake that is yet to come and by looking at the tremors you can figure out where the big rip will be. Previously by looking at past crashes I had allocated 4% each to a number of defensive sectors. As a result of the recent gyrations I I'm further over weighting healthcare, consumer staples, energy stocks (to 5% each), keeping my stake in REITS (still 4%) and reducing my stake in utilities and mining stocks (down from 4% to 3% each). I'm also gradually increasing my bond position, particularly in TIPS and, as they fall, in long bonds. Now up to 32% from 30% which itself is up from 20% six months ago. Rest is in broad market indexes, VTI and VXUS
I'll worry when VTI/VXUS/QQQm all fall 25% each. Until then actively buying these every monday.
You could put it into a three fund portfolio (55%VTI/25%VXUS/20%BND) and easily get 2% per year while maintaining good prospects for price appreciation (historically). That’s ~130k after taxes.
Here are the big ones from Vanguard: Total World (VT), US (VTI), ex-US (VXUS), Developed markets ex-US (VEA), Emerging Markets (VWO). If you want to get really in the weeds, I believe that Dimensional and Avantis are worth the small increase in expense ratios for some small factor tilting, profitability screening, etc, so I incorporate several of their funds. DFUS, DFAW, DFAI, DFAE are Dimentional's equivalents to those Vanguard options I listed
VXUS is a solid ETF to look at. There's a bunch of others too. Do a bit of research.
Wouldn’t VTI already include the world? Someone would still pair VXUS with it? I know VT is super broad with 10k holdings but VT being a slimmer 3.5k holdings. I was going to go with VT (keep existing voo) but was thinking going forward just VTI for a one stop shop (no VXUS as I believe world is baked in already with VTI) as long term total returns was far better than VT. (Obligatory past performance guarantee and all).
Even without taking out the mag7. VOO is 15% YTD while VXUS is 27%
This. VT, or VXUS to complement VTI (or variations of these two in combination according to VT's ratios). If you want to tilt you can to VXUS but market cap easier.
Interesting, I'm 48 and behind in retirement (only 250k in my roth ira, I was house poor, so I have 600k in equity, but neglected my retirement funds), and I'm having trouble deciding if I want bonds or not- currently 65% S&P 500, 10% Mid Cap, 10% Small Cap, 15% Total International (VXUS). On the one hand, we're at really high valuations, P/E Ratios, Shiller Index, which historically indicates the next 10 years may not be good returns, so adding some bonds could help, but on the other, since I'm still 20ish years from retirement, most likely a portfolio of 100% equities will outperform a portfolio with bonds over that long of time period. I know I won't panic sell, I didn't during 2008, so I don't need bonds for the mental stability. I'm just kinda scared of a 10 or 15 year flat period like 2000-2010. TLDR, trying to figure out if I should keep my chips all in and hope for the best returns since I'm 20 years out from retirement, or if I should add some bonds and maybe gold etf to protect against a flat or inflationary period.
I'm at 6.5% bonds and quit my job a week ago. I'll be 51 in early 2026. Soon as I get my last paycheck I'm going to roll over my 401K to my IRAs and re-assess if I want bonds. I might put that % in VXUS instead since I have a cash position of 12-13% to live off of before touching stocks in my brokerage. I might find an easy job to coast with in the future, but for now I want to relax and de-stress.
VXUS and chill. VOO too wild right now. VXUS is performing well in this economic climate, and will continue to outperform the S&P (VOO) for, say, probably the next 3.2 years.
Current YTD total return for VTI is around 15%. For VXUS it is 29%. A lot of what causes americans to avoid international investments is home biast. I would politely suggest you find some literature on it and see how it may influence your perspective.
VXUS is VOO for people who don't want their "total market" fund to be 10% NVDA and 40% MAG7
I read all replies. Frequently mentioned are 1. VOO 2. Gld 3. BRKB 4. META 5. Msft and google 6. Bitcoin 7. VGT VXUS etc 8. All others
I actually have 10k going in at this very moment. I am DCAing slowwwly into VTI and VXUS in a Roth IRA.
You don't need a Fidelity equivalent. You can buy VXUS at Fidelity. FXAIX is Mutual Fund equivalent to a VOO (ETF S&P 500 index) I am a 20yr Fid customer.
I'd split it 50:50 between VXUS and RSP (equal-weight S&P 500).
VXUS, def gonna outperform VOO in the next 5 years
Simple, my 401k is 100% VXUS at the moment and I'll reintroduce VTI once OpenAI becomes profitable or goes bankrupt. Until then, VTI mimicks small-cap growth stock probability distribution of returns. Small chance of a very big gain for which I believe most have overpaid
In my “fun money” brokerage account for learning and investing, a big part of my outperformance above S&P500/Nasdaq this year was rotating away from US equities in April and reinvesting in VXUS, BND, and several international and domestic high dividend vanguard ETFs with DRIP to stack gains during chop and sideways market. Recently I’ve entered positions in GLDM and VGMPX for precious metal and mining exposure, and I have a smaller position in VT to not totally miss US market performance. I’ve made decent profits with coreweave puts and SQQQ calls. I haven’t touched my longer term portfolio that I put money from selling a company into a bunch of broadly diversified Dimensional ETFs, or my 401k rollover IRA, which is in a bunch of annuities that track the Russell 2000 and SPY with downside protection.
You’re making a separate point. Yes, VXUS is outperforming VTI this year, that is true. But that doesn’t mean US investors have only experienced 5% growth due to the devaluation of the dollar. Those are two separate arguments.
Actually it does. One of your colleagues posted VXUS vs VTI returns: https://www.reddit.com/r/StockMarket/s/OHG3sQod8a We’ve had historic outflows. This year is off Biden’s pace. People are mad because the choppiness almost never serves retail. HFTs etc. are those that make out like bandits. We’re also not on track for the major index Biden gains of the bottom of 2022 - 2024.
VTI and VXUS Or just VT
I zoomed out a year. VTI vs VXUS [https://i.imgur.com/i1BEZiN.png](https://i.imgur.com/i1BEZiN.png)
VXUS is going to dominate the next 5 years and VOO and tech bros are gonna look like chuds
VTSAX and ~20% in VTIAX. Those are the admiral versions; VTI and VXUS are their ETF versions.
I don’t have “wealth,” but do use advisors. Paid for the 1% fee plus the fund fees and my account just rather steady for past few years. So speaking with new Vanguard; I meet threshold for personal advisor select-which means a pleasant guy…anyway, it’s too intimidating to do on my own, yet very difficult to find a super sharp professional. My girlfriend’s mother, age 82 took advice of a Prudential guy quite a few years ago- been in S&P and has far exceeded my returns. Below suggested allocation- Vanguard large cap 25% VTI Mid/small cap 11% VTI International stock 24%. VXUS U.S. short term bond-11%BND U S intermediate bond 11% BND US Long term bond 6% BND International bonds 12% BNDX This all quite similar to what I have at Morgan, I assume, though the fees would be much better. Thank you in advance. Age 62. Income is @ $40,000 which includes survivor benefits, just fyi.
If the money is strictly for retirement. I would be 15% Growth, 15% Small cap, 30% s&p, 40% international. You can add bonds later in life. You can either pick etfs or mutual funds to get to these percentages or just go with VTSAX, VOO VT, VXUS. If you want to set it and forget it you can do a target retierment fund that has a glidepath with more bonds as you get closer. We don't have your debt, income or if you own a home, married, kids and longevity. Also need your expenses and emergency fund amount. (This information is for entertainment purposes only, see a qualified fee only advisor for more specific advise) Watch for fund expenses and fees as well. Look for funds that have less than a .30 % expense ratio, go with passive vs actively managed too.
Boring I know, but I’m going heavy in VTI, VXUS and VYM until day trading gets back to easy mode. I’m slowly turning into my dad.
Ill admit I got lucky with timing but I swapped half my money in VXUS (world market excluding US) international funds and the rest in bonds and I'm still beating the us market year to date. This may end up being a mistake but so far divesting from the US has not been.
Why isn't my VXUS going up like these????
Yeah it's a pretty common woah moment lol. It's important for people to realise that there are incredibly intelligent people who have spent literal hundreds of thousands of hours researching how to optimally allocate assets, and computers have spent combined billions of hours at least. If they are not doing VOO and chill, there is a reason for that. The essence of hedge funds is alpha, i.e. returns uncorrelated to the market. Sure I can dump my money into VOO and AMD and BTC and VXUS or whatever, but if nvidia and apple shitface tomorrow and big tech stagnates for the next year, you bet that my portfolio's gonna look like a yoyo. Funds with uncorrelated returns will be more likely to actually maintain those returns.
That's probably for the best. I've been doing something similar personally. Excessively concentrated into US indexes. I've just kind of been absent mindedly shoveling into VTI for years, after dumping an initial lump sum into it a while back. Earlier this year when Trump looked like he was going to be extra dangerous for US stocks (and to be fair he still has plenty time to do so, things might be just temporarily calm), instead of panicking and selling like a lot of reddit doomers, what that did to me was to snap me into awareness that I'm probably overexposed to US for no real reason. There's various research and math out there that indicates that you don't really gain much, if any, longterm expected return by focusing all your funds into US stocks versus all your funds into international stocks. That balance can ebb and flow over and particular period of time (even a decade or more), but overall, historically, they have performed similarly all said and done. Which means that an excessive focus on US is just injecting extra risk into your portfolio for no reason. It's not *much* risk, if your time horizon is long enough, because there's not really any reason to expect that US stocks aren't going to just go up and to the right eventually just like they always have, which is not necessarily the case for a lot of other individual countries. But still, it's some kind of non-zero risk, and the data indicates that you're getting essentially zero benefit for that extra risk. So you ought to just not take it, by diversifying into international. Vanguard itself is currently recommending I believe 20 or 30% into international. I'm nowhere near that personally but my regular investment of income is now getting routed into VXUS for the foreseeable future so that I can slowly chip away at that percentage.
Ahh interesting! I have 100% vtsax, so I will put this into VXUS
It really depends on what you already own. If you've got a ton of VTSAX already and not much international, then dumping it into VXUS for diversity is a good idea.
Yeah that's a pretty dumb comment ngl. The YTD of VXUS is quite a lot better than VOO right now, but the "April tariff tantrum" is obviously not YTD. The return between April and today is right around +21% for both VOO and VXUS.
This is why I am selling my bond funds and buying more VTI and VXUS.
Ahh I have 30k I was going to put into vtsax..should I just go for VXUS instead? For long term gains?
Sure. I mean you have almost 2 years of cash which will smooth over any crazy bear markets coming our way. (Hopefully sitting in a high-yield savings account or a money-market fund). 100% equities is *probably* too much for me to handle when I retire, but there's absolutely nothing 'wrong' with it. Are your index funds (the British equivalent of) VOO, VXUS, VT, etc?
Yes I am, don't worry. I've been piling money into VTI + VXUS for about 15 years now
S&P there are many equally good funds. VOO, SPLG, FXAIX, they will all have the same performance. Pick the one with the lowest expense ratio. Same goes for international index. VXUS, FZILX, FTIHX, whatever is low fee, passively managed, and includes everything. Value funds look into Avantis and Dimensional. Dimensional invented small cap indexing and Avantis was founded by former Dimensional managers and both use similar metrics and philosophies. For a deep dive into small/large value funds comparisons check out [this article](https://www.paulmerriman.com/best-in-class-etf-recommendations-2025) and the attached video.
The three month and six month returns of VXUS and VOO are incredibly close. So what does spectacular mean?
The last two times the VXUS beat the SPY were 2017 and 2012 as well as 2022 (both were negative). So 4 years since 2011. Overall the spy outperformed the vxus by quite a bit. 🤷🏻♂️
Thank you for the response I am just dumb I thought i would wait for it to go up a couple cents when it was 13.64 to 13.8 and I make a easy few grand right know down 12-14 k stopped checking but yea I hold QQQ VOO VXUS VXF the rest of my proflio I am just dumb when it comes to stocks.
sounds like you made the right call! I’ve heard VXUS has been doing surprisingly well lately
Time to rebalance my VTI/VXUS brokerage account.
Yes the bogglehead subreddit is allergic to taxable investments. Taxable isn't that bad if your investments are already tax efficient (VOO, VT, VXUS are for instance). You also want taxable if you want to do Roth conversions later. They step up in basis in inheritance. Also capital gains is already lower than income taxes. Having Trad IRA/Roth AND taxable gives you a lot of options when tax rates changes or you get hit with RMDs. One example of the conflict is things like 529 where you can end up overfunding them and it would have been better to use taxable. I do agree though that tax optimization may be the only true alpha you can get that isn't just luck, so it's worth optimizing. I don't even think maxing out all accounts is right for everyone. Flexibility has a huge value and there's no one answer for everyone.
Tried to tell people in February VXUS is coming back with a vengeance but hardly anyone listened, good news is both international and EMs have a lot of room to run, they just have to execute
Remember when I said people love to dick ride VXUS? Keep your 4.7% average return over 14 years.
47% return in 14 years is laughable. No because I was 2 years old in 1990. VXUS top holdings are also laughable as best.
DON’T buy VXUS. It’s shit, emerging markets are WAY better and will keep that momentum in next 3 years. Europe economically doesn’t have a good future like US. We have weak dollar, which literally skyrockets emerging markets. I like Brazil’s future -if lula doesn’t win the elections-
People dick ride VXUS and ignore the fact that it’s achieved a 5% average return since inception. A tax advantaged muni bond or MMF set to reinvest would about be better
I went aggressively on VXUS after the April tariff tantrum and have continued to move out of VOO. The returns have been spectacular. The truth is, other than the few AI driving companies in the US, the trajectory has been mostly flat for most of the US equities.
I don't know about aversion to taxable. Prioritizing tax sheltered accounts is good for tax efficiency but if you buy and hold tax efficient assets in taxable the tax drag is minimal. Tax efficient assets would be broad market index ETFs (i.e. VTI/VXUS or equivalents). Avoid gold, reits, bond funds, actively managed funds, max yield bullshit, etc.
Don’t get me wrong I love VOO and QQQ and VXUS. It’s just that they yelled at me over and over again to ONLY invest into those. I should have invested more of my capital into individual stocks earlier. Not everything 100% stocks but like 20-25% would have been a better approach. They made it see like even investing 5% in individual stocks was a terrible idea!
After years of aggressively saving and holding on to too much cash, we finally decided to take a leap of faith and lump sum just under 400K in the market in late June ‘25. We are currently up 62K on that investment right now which is mainly (VOO, QQQ, VTI, VXUS, VTWO, and NVIDIA). On top of that, I have over 350k company issued vested stocks that I don’t plan on touching and another 190K of money on the sidelines which we view as our emergency funds + additional investment money (as needed). What we need advice on is what to do with the 190k in cash? Do we try to time the market, wait for a correction and buy more (lump sum), DCA or invest in real estate? Combined base salary for my wife and I is 315K, 100k in vested RSUs (yearly depending on how employer stocks is doing) and 50K in bonus for a total of 465k / year. We live in Texas. We are very good with money and really want to be aggressive about building wealth through the stock market to make up for years of not investing (we are both 35). We would love advice on how you would strategize and target retirement in the next 15-20 years through investing in the market. In the last 2 years, we have both maxed out on the IRS limits for 401Ks and combined have 406K in our retirement accounts. We have 2 young boys (4&2) who attend daycare. We plan to enroll them in charter schools with hopes that they land academic or athletic scholarships for college, but if that doesn’t work we have set up custodial accounts for them. Debt: mortgage at 2.6% bought in 11/2021 and 250k combined in student loan debt. Let us know your thoughts.
Why not just go total world market at that point? Or a mix of VTI and VXUS to your desired mix?
> What do you mean? 5yr: +33% for VXUS, +89% for VOO. Diversifying with international stocks long-term hasn't worked. In many cases, the drawdowns from international stocks exceeded US markets during bear markets like COVID and 2022, and are only now starting to recover.
What do you mean? VOO up +17% this year, VXUS up +30%. VOO down -0.26%, VXUS up +0.32% today. They’re going to be correlated but this correlation is going to decrease as long as the priority from this administration is deglobalization.
You can select an ETF which doesn't blindly allocate into stocks based on market cap, like Schwab Fundamental Index FNDX. There is a whole family of "FN" covering US small to large cap, and international. You can invest overseas VXUS or VEU. Many things to do. People here will convince you that anything other than VOO is stupid. That's the most narrow minded point of view ever.
I heard the average european portfolio is like 90% VXUS.
If you invest in a global market cap weighted fund like VT then you do not need to separately invest in the US. The US is already in there and in fact it's like 65% of it. If you invest in a global fund that excludes the US like VXUS then you need to invest in the US separately. Ideally at a 65%/35% ratio to reflect the global market cap.
Correction\*: you gambled for 4 years. If you want o start investing keep it boring. Whatever you choose for your equity %, the following: Aggressive investing: DCA into VOO 75% and 25% into VOOG. Average: DCA: 10% VXUS 15% VOOG 50% VOO 25% VTI Defense: DCA 10% VXUS 15% VOOG 50% VTI 25% VOO Or some variation of your own you're comfortable with. IT SHOULD BE BOOOORING
I recommend S&P 500, paired with a foreign equity funds like FENI, FIVA, or IDMO; and FNDE for emerging market. Foreign equity has done well this year, and if you select the right fund it’s worth having, I do not subscribe to the notion of an all world or all foreign equity fund like VXUS, it lacks strategy. Foreign equity needs some process, methodology, and thought behind it.
So we'll say about 20-25 years. You have time to be more aggressive. I personally would do something like 400 VOO, 300 QQQ, and 100 in VXUS.
VT for whole world. VTI + VXUS if you want to break it into US and ex-US
Personally I’m around 70/30 VTI/VXUS, and will effectively rebalance through where I add new purchases (so if VTI is outperforming, more of my additions will be put toward VXUS)
I would also add some VXUS to have international exposure. Sure, the US has outperformed in the last/ current cycle, but we do not know the future and can diversify the geographical (uncompensated) risk by adding stocks from outside the US.
In a taxable, VT doesn’t get you the foreign tax credit like VXUS plus VTI/VOO can apparently.
I would 90/10 VOO/VXUS personally
A good amount of retail on reddit/youtube has been bearish for the past 8 months. Doom and gloom sells. Make a video about investing in VTI/VXUS for 40 years and then retire is just not that exciting
**The Managed Account – ouch** Dude, **1.34% management fee** is absolutely brutal. That's eating like $40k+ over time on a $100k portfolio. Over 30 years? You're talking hundreds of thousands in lost returns. Do the math: If that account grows to $500k, you're paying nearly $7k/year just in fees. For what? An 80/20 allocation you could replicate yourself with like 3 ETFs? **Here's what I'd do:** * Ditch the managed account and go DIY. You're clearly smart enough to handle this. * Build your own 80/20 with low-cost index funds (VTI, VXUS, BND, etc.) * Save that 1.34% and let it compound for YOU, not some advisor. **The Crypto Allocation:** 60% BTC, 35% ETH is solid. That 5% rotating is where people usually get rekt chasing pumps, so just be careful you're not falling into meme coin traps. Stick to fundamentals. **Bottom Line:** You're doing better than 99% of 25-year-olds, but you've got some optimization to do. Kill that managed account fee, tighten up your ROTH strategy with a clear thesis, and keep stacking. You're on track to hit financial freedom way earlier than most. What's your actual goal here? Retire at 40? Build passive income? That'll help me give you more specific advice.
I went from almost entirely US Total Market (VTI) to 60% US total market, 5% Emerging Small cap value (AVDV), 10% gold (GLDM) and silver (SLV), 17.5% US small cap value (AVUV) and the remaining a few international picks (IEUR, VXUS, EWG, EWU)
Not one analyst on CNBC says we are in a bubble. Ives and Lee say up 8-10 percent before end of year. Stay with VTI and VXUS.
It's overcomplicated in my opinion. You could simply buy VTI and cover the entire US market. Add VXUS or VEA for foreign exposure, and focus on adding, rather than babysitting. 80% VTI with 20% VEA will likely match or outperform the proposed portfolio indefinitely.
Are you trying to buy every listed stock in the world or something? VTI and VXUS is an easier way to have exposure to just about everything.
VXUS. International stocks fund. Maybe 50:50 between S&P and VXUS. Even if the US is cooked, the world will likely still progress as a whole.
I moved 7 figures from our 401k into an IRA in 2022 in a bear market and averaged in over a couple of years and I might have come out ahead but not by much. Another $100k moved in 2023 and averaged in but should have lump sum, but this is all hindsight. You are correct to be concerned about tech but you probably will be ok with having a year’s worth of expenses in cash and lump sum the rest in a balanced portfolio of VT/VXUS and BND. I am in tech and at your age I was probably too conservative and should had more stocks but still did ok because it was coming after the GFC. That was a black swan and you unlikely to experience that and have time to recover from any downturns. As some have pointed out, we are in an inflationary environment and hard assets will go up. Don’t try to time the market, just ask yourself how much downside you can stomach and invest accordingly. But stay invested.
I've picked many winners in the past when it comes to individual holdings but failed to hold them. I decided to have a stock trading account that I'll "forget" about and wanted to hear opinions on my possible long term holds. This represents 5% of my portfolio and I have a VOO/VXUS portfolio and emergency funds already. Stock Trading Account Holdings (5%): Large cap: META, MSFT, AMZN, GOOG, BRK-B, Hardware/Software Application: DELL, ANET, CRM, NOW, RDDT, Semiconductors: ASML. Are these okay holds?
I like his suggestion to consider international markets - I'm moving a percentage into VXUS. I'm retired so there's no 20-year horizon to wait for the rebound. Your mileage may vary.
Only 12%? Geez. This is why people say purchasing individual stocks is just gambling without the free drinks. The US market is up 13.9% YTD, and the international market is up 25.9% YTD. Now that you've sold your positions, consider just investing in 100% VT for maximum global stock diversification with a very low expense ratio. (Or 60-65% VTI + 35-40% VXUS in a taxable account, equivalent to VT but you can claim the foreign tax credit on your taxes.) No one knows the future, but diversification really helps. Your cash will make around 4% currently, and that will dramatically underperform the market in the long-run.
I did this for my nieces. I also looked into various accounts I could use for them, but I also want full control until I see fit to gift it to them. Fidelity advised me to open a regular brokerage account and transfer it to them when they are ready to recieve it. From what i've been told, it's pretty easy to do. I started it this year and invested $100 in VOO for each of them. Next year i'm adding another $100 each in VXUS.