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VXUS

Vanguard Total International Stock Index Fund ETF Shares

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Reddit Posts

r/investingSee Post

Safety of VTI and the future

r/investingSee Post

What to do next? I am running out of ideas

r/investingSee Post

I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though

r/investingSee Post

What is an aggressive portfolio for a 27M in Roth.

r/investingSee Post

Curious what I should do with cash sitting in IRA?

r/investingSee Post

Setting Up First Roth IRA

r/investingSee Post

Just some assurance. How is this allocation?

r/investingSee Post

Retirement Portfolio Check-up

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Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?

r/investingSee Post

Trading stocks for Index funds within a ROTH IRA

r/stocksSee Post

VT vs. combo of VTI and VXUS

r/wallstreetbetsSee Post

Advice for a 27 year old trying to leave the nest?????

r/investingSee Post

My annual investing checkup

r/investingSee Post

Start adding international to my brokerage account?

r/investingSee Post

Limited International Fund Options in Employer’s 401K Plan?

r/stocksSee Post

Please help me diversify my Roth

r/investingSee Post

Trying to understand investing in SCHD

r/investingSee Post

Ideal Retirement Portfolio for 26 Year Old

r/investingSee Post

UCITS + US-based ETFs mix portfolio? Any ideas

r/investingSee Post

Thinking about a higher growth portfolio for the new year.

r/stocksSee Post

Please, your perspective on our shared investment plan?

r/investingSee Post

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)

r/investingSee Post

Upcoming Roth IRA enquiry

r/investingSee Post

Trying to tilt for value/small cap, am I doing it right?

r/investingSee Post

Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)

r/investingSee Post

Are International ETFs worth it given tax drag?

r/stocksSee Post

Does it make sense to add individual brokerage account?

r/investingSee Post

Investing for a house in retirement

r/stocksSee Post

Which ETF is better to invest into the S&P500, USF or VOO.

r/investingSee Post

Good retirement strategy?

r/stocksSee Post

Should I cut bait on some of these stocks in my portfolio?

r/stocksSee Post

MNRA thoughts? Feels like a tax harvest opportunity

r/investingSee Post

Best for 10 yr growth plan?

r/investingSee Post

Going all in on Small Cap Value?

r/investingSee Post

What to allocate to a traditional IRA vs. keep in taxable account?

r/investingSee Post

A bit confused about how taxes work for personal investment account

r/investingSee Post

Should I Hold cash or invest?

r/investingSee Post

First time maxing out Roth contribution. Give me a super basic, set it and forget it, distribution

r/stocksSee Post

19, are automatic payment of $30nzd per week into these stocks good?

r/investingSee Post

Diversifying out of concentrated position in 2024

r/investingSee Post

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?

r/investingSee Post

Beginning Automatic Investing: Need direction

r/investingSee Post

Vanguard life strategy alternatives

r/investingSee Post

Looking for advice on Roth IRA

r/stocksSee Post

portfolio advice

r/investingSee Post

Swapping my 401k from a target date fund to FXAIX

r/investingSee Post

Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?

r/investingSee Post

Portfolio Diversification

r/stocksSee Post

Roth IRA advice

r/investingSee Post

Seeking advice on investing in Discounted Contributions Plan (DCP)

r/investingSee Post

How to replicate VEU or equivalent Global ex. US ETF sold in the UK?

r/investingSee Post

I have a mental issue when benchmarking my portfolio - looking for advice.

r/investingSee Post

Better Balance in Roth and HSA

r/investingSee Post

Roth IRA Strategy for a 15-20 year span

r/investingSee Post

What would be the most tax efficient way distributing my savings?

r/investingSee Post

What would be the most tax efficient way distributing my savings?

r/investingSee Post

What would be the most tax efficient way distributing my savings?

r/wallstreetbetsSee Post

What would Pelosi do?

r/investingSee Post

Portfolio Review and Strategy in Times of Uncertainty - Seeking Advice

r/investingSee Post

Consolidating Portfolio - VOO vs VTI + Tax Loss Harvesting

r/investingSee Post

Roth IRA ETFs - what should I add?

r/investingSee Post

Sitting on cash - lump sum versus DCA back in

r/investingSee Post

Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.

r/investingSee Post

FSKAX & FTIHX vs VTI & VXUS?

r/investingSee Post

Does Fidelity only allow fractional share buys during market hours?

r/stocksSee Post

Selling Stocks vs Exchanging Foreign Currency Visiting Home Country

r/investingSee Post

How should I go about diversifying?

r/investingSee Post

Does it ever make sense to have multiple brokerage accounts?

r/investingSee Post

Opened up a Roth IRA account.

r/investingSee Post

Is MGM a good buy right now?

r/investingSee Post

Stuck with current employer's limited 401K fund offerings, looking for advice on distributions

r/investingSee Post

Is this a good portfolio?

r/investingSee Post

How can I get good exposure to ex-US markets without unqualified dividends?

r/investingSee Post

What ETF should I invest in in my Taxable brokerage

r/investingSee Post

What the heck am I missing here?

r/investingSee Post

Looking for opinions/advice on investments

r/investingSee Post

As a 25 year old, how reckless is this?

r/investingSee Post

Retirement investment advice

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Rate My Portfolio - Advice?

r/investingSee Post

What to do for Roth IRA that we haven’t touched

r/investingSee Post

Not sure if missing something with plan to transfer to Robinhood.

r/stocksSee Post

Best ETFs for long term performance?

r/investingSee Post

What is the best international equity ETF to invest in besides VXUS?

r/investingSee Post

Are my portfolios any good? 96% equities / 4% real estate

r/investingSee Post

What is a good aggressive 3 fund portfolio allocation?

r/investingSee Post

Better to Hold More Specialized Funds, or Big Generalized Funds?

r/investingSee Post

Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.

r/investingSee Post

VEU vs VXUS / Portfolio Review?

r/investingSee Post

I just started putting money into a 401k. Where should I have that money invested?

r/investingSee Post

Used portfolio visualized and am stumped…am I totally off?

r/investingSee Post

29yr old rate my portfolio idea

r/stocksSee Post

Just started investing for real, is this a reasonable mix?

r/investingSee Post

Concentrating bonds in a traditional IRA and stocks in a Roth IRA?

r/stocksSee Post

Deciding to start my investing journey. 50% in QQQM and 50% in VXUS

r/investingSee Post

Should I change my portfolio up?

r/investingSee Post

Restructuring Roth IRA Portfolio

r/investingSee Post

Finally settled on an investment plan, wanted to see if it sounds good or not

r/stocksSee Post

Back in June, a concern about the nascent stock rally was the limited breadth. That is finally changing: across sectors and regions.

r/investingSee Post

Retirement account distribution

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Safely investing a large portion of my income

Mentions

I don’t. VTI/VXUS on a 70/30 split in my taxable brokerage accounts. FXAIX/FSPFX in my Roth IRA. Lump Sum, DCA, who cares. I just buy, buy, buy and live my life

It's a lot worse than that in the broader world market. VXUS is down 7% in the last week.

Mentions:#VXUS

VOO is S&P 500. VT is global market, VXUS is ex-US market. VOO alone isn’t necessarily bad. But adding international will give you exposure to more market and the benefits of diversification. Generally US and international takes turns. Lots of people had started investing at a time when US market is on a bull run. So there is some bias towards US market.

Mentions:#VOO#VT#VXUS

I’ve been doing 50/50 VOO and VXUS Things are nuts either way so expect it to go down in the near future

Mentions:#VOO#VXUS

why do VT and VXUS seem so much more volatile than spy right now? VXUS doen 4% and VT down 2% , while VOO only down less than 1%?

Mentions:#VT#VXUS#VOO

Any idea why VXUS AND VT got hammered while SPY was down less than 1%?

Mentions:#VXUS#VT#SPY

Everyone here like VXUS in shambles, but you do know in the last 3 months VXUS has made 5.5% while SPY has lost .6%.

Mentions:#VXUS#SPY

VXUS in shambles. Anyone check in on r/bogleheads?

Mentions:#VXUS

Cackling after realizing fucking VXUS was down 3.45% today. What in the broad diversification is this shit.

Mentions:#VXUS

Spare my VXUS please 🙏

Mentions:#VXUS

This korea shit would be funny if I didnt have like 5 months salary in VXUS

Mentions:#VXUS

Korea and Japan get it together, I have shares in VXUS

Mentions:#VXUS

If you’re in on VXUS you felt it hard today. my entire portfolio is down 1.7% today, that’s nothing. People just love fear mongering.

Mentions:#VXUS

>People on here have a lot of recency bias on VXUS, outside 2025 VXUS drastically lagged SP500 for a decade And people in 2023 had a lot of recent bias for a US only portfolio. That's some people, myself included (I can give a custom from 4+ years ago), that always argue in favor of a globally diversified portfolio. Going global can be beneficial to both returns and volatility in the long run compared to a US only portfolio. That's plenty of times where market favor is outside the US. All excess returns going back to your pick of 1970, 1965, or 1950 are only from 2010 through now, that means we saw a roughly 60 year period where the end winner would have been ex-US, not the US. Going back to 1970, over 40% of rolling 10 year periods favored developed ex-US over the US (that's not terribly far off from a coin flip). >From 2012-2022 excluding dividends you would have broken even From 2000-2009 the US was NEGATIVE even with dividends. US small caps did better than large and international (especially emerging) beat the US. You can't pick the winner over any x year time span and think that all time periods of the same length will play out like that. >You probably would feel pretty dumb going for ‘more diversity’ on 20-30% of your portfolio while US almost 4x your $ in that same timespan. You'd have felt even worse to be a US only investor over the previous decade in early 2010. >USA is the market to own long-term, * The US was only the 4th best developed country to invest in from 2001-2020, 5th if you include Hong Kong: https://www.evidenceinvestor.com/which-country-will-outperform-next-is-irrelevant/ (archive link: https://web.archive.org/web/20240527200134/https://www.evidenceinvestor.com/which-country-will-outperform-next-is-irrelevant/) or shifting that to 2002-2021 drops the US to 6th (and a proper 6th this time, as Hong Kong dropped further, to 10th): https://www.saltmarshcpa.com/cpa-news/blog/which_country_will_outperform__here_s_why_it_shouldn_t_matte.asp or if that doesn’t work: https://web.archive.org/web/20250422033628/https://www.saltmarshcpa.com/cpa-news/blog/which_country_will_outperform__here_s_why_it_shouldn_t_matte.asp In addition, not too long ago, at 120 years, Australia beat the US. >but for a long term hold portfolio that isn’t always optimal. We've seen periods, even long ones, where geographic diversification would have helped at the end. Citations are available for any claims I made.

Mentions:#VXUS

See this kind of proves my point. Just getting more ‘exposure’ doesn’t mean you are getting higher rate of returns. You are just spreading your portfolio thin to encompass all markets. Which is fine but what does that prove? To me it sounds like you care more about sounding fancy and role-playing investment specialist rather than garnering returns like one. Just because something is more complicated doesn’t make it better in anyway, especially when it comes to long term investing. People on here have a lot of recency bias on VXUS, outside 2025 VXUS drastically lagged SP500 for a decade. From 2012-2022 excluding dividends you would have broken even. $45 a share in 2012, $45 a share in 2022. AFTER HOLDING FOR A DECADE. SP500 in that time went from $125 share to $415. You probably would feel pretty dumb going for ‘more diversity’ on 20-30% of your portfolio while US almost 4x your $ in that same timespan. USA is the market to own long-term, if you want to sound fancy and technical by saying ‘diversify’ or ‘geographically diversified’ feel free but for a long term hold portfolio that isn’t always optimal.

Mentions:#VXUS

I’m a VTI + VXUS man myself

Mentions:#VTI#VXUS

I think OP meant VTI/VXUS, or VOO/VXUS. VOO is S&P 500 and VTI is Total US Market. It’s only necessary to choose one of them.

Mentions:#VTI#VXUS#VOO

VXUS still doubling spy's 6 month performance.

Mentions:#VXUS

As a mostly Boglehead type who's been considering finally investing in some VXUS instead of all VTI, sounds like the upcoming few weeks/months may be a great time to start a position.

Mentions:#VXUS#VTI

VXUS turning into a meme. Once it’s on the daily thread ticker it’s over

Mentions:#VXUS

You know VXUS is still massively beating spy ytd right

Mentions:#VXUS

To elaborate on this, OP, FZROX is a zero-expense VTI and FZILX zero-expense VXUS. As others have said, this combination gets you (nearly) every publicly traded company. The only caveat here is you’d have to decide what you want your US vs Ex-US allocation to be which would be avoidable with VT. Something to note, these are not ETFs like how the Vanguard funds are. You place a buy or sell order for however much in dollars or shares and buy/sell when the NAV changes for the trading day. ETFs (VTI, VT, VXUS, etc) are bought and sold throughout the day. If you automate investments and don’t plan to actively trade the Roth IRA (which shouldn’t be done anyway), this is a non factor but I know some people get antsy about it. Last, these are Fidelity-locked. If you ever want to move your Roth IRA elsewhere, you’ll need to first sell the shares of the funds before you move the money elsewhere and buy the other ETFs/index funds in the other broker. In a tax sheltered account like a Roth IRA, this doesn’t really matter. In a taxable brokerage, this’ll force you to recognize gains or losses and to pay taxes on those gains. All that being said, I love my Fidelity Zero holdings and would definitely recommend them so long as you have no plans to move out of Fidelity any time soon.

SPY down 1% at most despite a war that could last significantly longer than anticipated. U.S. market is fucking indestructible at this point. I doubt even tactical nukes would cause anything more than a 2% dip over a week period. VXUS getting clobbered as expected, lol

Mentions:#SPY#VXUS

Look at the long-term chart of VXUS compared to VTI and you'll remember why some of us stopped bagholding international

Mentions:#VXUS#VTI

VXUS taking a beating

Mentions:#VXUS

VXUS is just [barely](https://i.ibb.co/rRLcJ6dP/image.png) lower than it was a month ago.

Mentions:#VXUS

Well I'm not going to lie, I am weak and my VXUS just took a major pounding. Can't say I'm not tempted.

Mentions:#VXUS

Same I'm bagholding VXUS rn

Mentions:#VXUS

BND, GLD, VTI, VXUS all down in my portfolio today. But PINS is ripping. Who would have thought PINS would be my safe haven.

I guess it is possible for VXUS to go down while Trump is in office.

Mentions:#VXUS

No Doordash for me in March - all my discretionary just went into my Roth to buy some VXUS when it was-5% and the bleeding is already slowing now.

Mentions:#VXUS

I just sold $50k of bonds from my IRA and bought VXUS. 7% drop between yesterday and today. I'll reset my bonds after it recovers. I'll do some more if it drops to 0% YTD, which would be another -3.5%.

Mentions:#VXUS

Silver lining for today is getting a lil' discount on VXUS for the first time since the gradual run up lol.

Mentions:#VXUS

Why is VXUS taking such a hit....I would have thought an international fund would be doing better then a US fund at the moment?

Mentions:#VXUS

I sold $15,000 worth of VXUS in my Roth last week and today I bought $1,500 back. yeah baby we're timing the motherfucking international bull run market to a T this time. let's see how low this thing can get. I'm buying again at $75, then going all in @$68 (because it is in between 6 7 and 69 🤣🤣🤣🤣🤣🤣🤣)

Mentions:#VXUS

VXUS must be a no brainer?

Mentions:#VXUS

Buying VXUS and VTI

Mentions:#VXUS#VTI

VXUS down more than 4% oof That’s what I get for trying to diversify

Mentions:#VXUS

Holy shit, VXUS.

Mentions:#VXUS

Jesus VXUS gonna be down 5% today lmao.

Mentions:#VXUS

My VXUS calls are COOKED

Mentions:#VXUS

And I was going to buy more VXUS today… pray for international

Mentions:#VXUS

Holy VXUS. My safe haven!

Mentions:#VXUS

Some regard on this sub probably has that, but negative. Pack ur shit up and just VXUS and chill :)

Mentions:#VXUS

I bet against America (bought VXUS) and would like to apologize.

Mentions:#VXUS

Puts on VXUS are about to cream

Mentions:#VXUS

Based on your allocations, the overlap is minimal with the one causing most of the overlap is VGT with VOO. Maybe something more simple like this would make sense: VOO: 50% VXUS: 25% AVUV: 15% GLTR: 10% **Weighted Average Overlap** **4.2%** # Overlap Heatmap ||VOO|VXUS|VGT|AVUV|GLTR|IBIT| |:-|:-|:-|:-|:-|:-|:-| |VOO||0.3%|34.5%|0.0%|0.0%|0.0%| |VXUS|0.3%||0.1%|0.1%|0.0%|0.0%| |VGT|34.5%|0.1%||1.2%|0.0%|0.0%| |AVUV|0.0%|0.1%|1.2%||0.0%|0.0%| |GLTR|0.0%|0.0%|0.0%|0.0%||0.0%| |IBIT|0.0%|0.0%|0.0%|0.0%|0.0%||

Okay, thats the beauty of diversification. But ok, go and full port gold and silver. That's never gone wrong for anyone! My core portfolio is 35% SPY 35% VXUS 15% GLD and 15% EWC if that helps.

Fidelity has great zero expense ratio funds that will achieve the same results as VTI and VXUS but for cheaper. See my other comment for specifics.

Mentions:#VTI#VXUS

You can still contribute for 2025, so make sure any money you put in there goes to that year first. You have until Tax Day to contribute for the prior year. Just put your money in VT and forget it. If you want VTI/VXUS. You might want to check out r/bogleheads. If you take their philosophy to heart you won't ever miss out on the best stocks.

Mentions:#VT#VTI#VXUS

VTI/VXUS will cover the entire market, anything else is a factor tilt. Which is fine if you have some particular knowledge or conviction, but otherwise I would stick with the broad market.

Mentions:#VTI#VXUS

What’s your point? Historical performance is not an indicator of future performance, and recent events (including VXUS outperforming VOO) do not point to continued US over performance.

Mentions:#VXUS#VOO

You are allowed to sell VXUS if things actually go back to "normal"

Mentions:#VXUS

You got to invest in what you believe in to have conviction to hold during downturns. I am not a tech guy, & believe in cycles, but your port indicates you are tech guy. So maybe if I was thinking like you were I would hold onto $QQQ position and sell my $VOO shares and buy $VT or another all world plus US ETF instead of holding the $VOO. I do think you are giving up on $VXUS too early as I think we are entering foreign stock cycle of outperformance vs US stocks. Good luck regardless.

Create a free account with a brokerage. In that account, create a Roth IRA. Transfer the max it says you’re allowed to (e.g., $7k). Invest that $7k in an ETF like VOO or VXUS. I assume you aren’t incorporated. Find a good small business accountant who can help you set up an LLC corporation, and start pumping that revenue through the corporation. You and your friend should pay yourselves through the corp using a payroll company. There are many tax advantages here which are best explained by the accountant. Once you have a corporation, talk to a brokerage about setting up a 401k plan. This will allow you and your partner to make pre-tax contributions to a 401k account. As to the money you’ve already made, you’re gonna get hammered by the IRS because it will be counted as straight income. But you can use an LLC to shelter future earnings.

Mentions:#VOO#VXUS

It's hard to take you seriously when your only point was to diversify into international because of past performance. For what it's worth, I'm allocated 20% in VXUS in retirement accounts and have been for quite a while. I never use the term "V" either, so you are probably confusing me with someone else.

Mentions:#VXUS

VXUS is still outperforming by 8% this year I'm not buying

Mentions:#VXUS

The market is overpriced if you just look at the S & P 500. There are specific sectors and stocks that are better values. International stocks are still a good value and have been doing really well over the last year. Look at something like VXUS if you want an ETF that tracks the broad international market. Make sure you don't just look at P/E. Some stocks are a good value with high P/E because they have a high growth rate. Except for Tesla and Apple the Mag 7 can justify their high p/e because of their growth potential. Some stocks are value traps that have low P/E but are shrinking.

Mentions:#VXUS

I genuinely do appreciate the response. I know I'm double dipping (I think it's a 50% overlap b/t VOO and QQQ) but don't really care at this point. I'm not trying to optimize ETFs to the fullest. I simply think of the zoomed out chart. VOO and QQQ will return hopefully continue to return somewhere in the range of 8-15% until I start re-balancing for retirement and the small cap ETFs give me exposure to what VOO and QQQ don't. I considered VXUS (looked now and ACWX is basically the same return as VXUS) but it's outperformance has only been for the past year or so. Maybe it'll prove foolish in the long run but I'm good with the exposures I have.

For long-term investors, Fundrise can be worth exploring as a way to diversify into real estate alongside a core stock allocation like VOO, VXUS, and small caps, but it’s important to understand the risks and illiquidity involved.

Mentions:#VOO#VXUS

I was holding stocks but found it to be stressful with the AI disruption and it's impact on tech, especially. Most institutional investors and a god part of retail investors starting going for generic US holdings or international. That's why I maintain a core position of VTI and do a 50/50 with international. VTI 50% , VXUS 15%, AVDV 15%, FLKR 10%, SOXQ 10%... Run that in your simulator.

It's incredibly difficult to predict, and depends on the type of 401K you have. Are you able to freely invest in like all asset options, or are you stuck with a limited fund selection? What safe haven options do you even have? The best common 401 play to reduce risk in the U.S. market right now has been to move money toward international investments though (your VXUS type funds). But that's more a diversification play.

Mentions:#VXUS

VXUS has been a very lucky ticker for me this year.

Mentions:#VXUS

VXUS down 1.8% SPY down 0.25% mhm

Mentions:#VXUS#SPY

Thought I was smart with VXUS so far YTD, but not today.

Mentions:#VXUS

That’s honestly a very reasonable starting point. 80% VOO gives you broad US exposure, 10% VXUS adds international diversification, and 10% small cap like AVUV tilts toward higher expected return (with higher volatility). It’s simple and coherent. Switching small cap to QQQM would change the intent of the portfolio. QQQM is more large-cap growth/tech-heavy — you’d be increasing concentration in names that are already a big part of VOO. Small cap adds a different factor exposure. The bigger question isn’t which mix is “perfect,” but whether you can stick with it during underperformance. Small caps and international can lag for long stretches. If you’re comfortable staying consistent through cycles, your allocation is already solid. Consistency over 40 years will matter more than fine-tuning 5–10% shifts.

VXUS is the new VOO. Performed waaaay better last year.

Mentions:#VXUS#VOO

Reminds me of that meme that Squidward is looking through his window blinds watching SpongeBob and Patrick having running outside. That's how SPY is looking at VXUS and VT.

Mentions:#SPY#VXUS#VT

your 23 so even looking at FIRE you’ve got 20 plus years. Don’t worry about downturns. Opening a taxable account and layering money into VOO, VXUS, QQQM and such is a great idea.

You're deep in that 22% tax bracket. I'd be contributing a lot more in the 401k and probably traditional IRA instead of Roth. Maybe it's just my lifestyle, but I make 90k before taxes and do 12% 401k, max HSA, max traditional IRA. Everything is in FXAIX, VTI, VXUS.

It's all about dry powder right now. This administration is getting desperate and every move they make tends to move the needle to the extreme. They know they've lost the midterms... what can they do to prevent that? Their Hail Mary will be something extreme... like instituting the insurrection act and invoking absolute martial law. How would the economy and markets react to a constitutional crisis? It likely won't be business as usual. Now is the time to hedge and position yourself defensively. My core is 40/60 US/Intl... VTI and VXUS, AVDV, FLKR. I make swing trades to benefit from the volatility. The rotation from tech to everything else has created a great environment for this.

Definitely shifting my approach a bit going into 2026. I've been mostly US-heavy but the valuation argument for international is getting harder to ignore - Europe and parts of Asia are trading at significant discounts and if the dollar softens that's a meaningful tailwind on top.       That said, I'm not abandoning the S&P core. Just trimming the US weighting slightly and adding some VXUS exposure. Still keeping a small crypto allocation but not adding - Bitcoin at this stage of the cycle feels more like a hold than a buy. The bigger change for me is getting more systematic about individual stock selection. My current workflow:   * screen on [Finiviz](https://finviz.com) \- check peer  comparisons, * then go deep on the financials in [BearBull.io](www.bearbull.io) it lets me pull up 20+ years of income statement, balance sheet, and cash flow all at once which is genuinely useful for stress-testing whether a company's quality is real or just a recent run. * Then I write the thesis out in markdown on [obsidian](http://www.obsidian.md) and run it through [claude](www.claude.ai) to challenge my reasoning, spot what I'm missing, and build out proper notes. That process has made me a lot more disciplined about what actually makes it into the portfolio. Going into 2026 I think the edge is in the process, not the macro call. Everyone has access to the same headlines.

Mentions:#VXUS

What’s more likely to happen is that the entire US stock market will continue to go down and all international stocks will continue to go up as our European former allies continue to pull out of invest investments in the United States as well as continue to push private companies to exit US Tech firms and their private business models. The best play right now is still to buy International stocks or broad-based ETFs even if you’re doing calls. VXUS > SPY

Mentions:#VXUS#SPY

Yeah this is a really common issue when you are buying across multiple accounts. VOO, VTI, and large cap growth funds all have massive overlap since the S&P 500 makes up like 85% of VTI anyway, and the top holdings in growth funds are the same mega caps. The simplest fix is to pick one core holding for US exposure and stick with it across all three accounts. VTI or VOO in everything, then add international (VXUS) for actual diversification. Right now you are probably 95%+ US without realizing it. For actually seeing the overlap across accounts, I have been using investinsight.io to pull all my holdings into one view. Makes it way easier to spot when you are double dipping on the same companies across different funds. Before that I was just guessing and it turned out I had way more AAPL and MSFT exposure than I thought.

• HYSA: $85k earning about $200/month in interest That's a waste. Cash loses value due to inflation. The 85k should be invested in some index (perhaps VT) in a brokerage fund, put into a different store of value (like, say, a gold ETF), or at least put into treasuries or something like that. Keep a few months of expenses in the HYSA as an emergency fund (aka a "fuck off fund" just in case you land a bad boyfriend or girlfriend, lol). Since Trump was elected, I prefer broad ETFs of non-USA stocks. Stuff like VGK (Europe), FLKR (Korea), or ASEA (South-east Asia). VXUS (everywhere but the US) or VT (the USA + the rest of the world too) if you want super-broad based etfs that you ignore forever and ever. You're 23. Stocks go up over the long-term (because companies overall become more profitable as technology improves). In a brokerage account you want to invest in ETFs or stocks that you will hold for a year or more. (In the USA, stock market gains are taxed as capital gains if you held the investment for more than a year. They are taxed as regular income if you held the investment for less than a year. Capital gains taxes are much lower than income taxes.) "How do you mentally handle market dips?" Not looking. Seriously. Keeping in mind you want broad, diverse ETFs that you will hold for a year or more, I wouldn't bother to pay any attention to the brokerage account unless you are adding more money to it. "Did you transition money gradually from HYSA into investments or lump sum it? I lump summed it. No real reason to transfer gradually, in my opinion. Though in my case I never had an HYSA. Never saw the point. "how you decided on your allocation at a similar age" I didn't invest until I was older, but it went like this: Oh my goodness, I have money now. I know money always loses value over time due to inflation. I should invest my money, because stocks and real estate don't lose value to inflation like the dollar does. The classic investments for Americans building wealth are real estate and the stock market. I can't afford a house and don't want one where I currently live anyway. I'll invest in stocks. Bonds and other conservative assets like gold generally grow slower & are more suited for risk-adverse retirees, so I'll just stick to stocks. I want what will grow most over the next few decades, so, stocks. I'll max out a Roth IRA and then put the rest in a brokerage account. (Contractor business income - no 401k.) I'll invest in broad-based ETFs with diverse holdings so that no one company falling apart can hurt me too badly. I'll invest in ETFs holding USA stocks even though they are overvalued because the markets believe in American Exceptionalism and USA stocks bizarrely keep growing faster than everywhere else. That went well. Oh my goodness, Trump was RE-elected. American Exceptionalism is dead. I'll shift my money into broad-based ETFs holding non-USA stocks. That went really well. Hey, look, a reddit post I think I can answer helpfully.

VTI 85% VXUS 15% see you in 10y

Mentions:#VTI#VXUS

No, a set allocation strategy could be set at 100% VT. Or it could be 80% VT and 20% bonds. Or it could be set at 40% VXUS and 60% VTI, because your 401K doesn’t have VT, like mine.  I’m starting to think you don’t know as much about this as you’re letting on. 

Mentions:#VT#VXUS#VTI

VXUS - Global without the US...

Mentions:#VXUS

Believe it or not VTI/VXUS

Mentions:#VTI#VXUS

Yeah that was my point. While AVDV is doing best (it is both small cap value and international), AVUV and VXUS are both doing great as well.

Yep. Small caps are doing great. My international is doing great. S&P is flat. YTD, AVDV > AVUV = VXUS > VOO

VYMI has always smoked VXUS.

Mentions:#VYMI#VXUS

EWY and VXUS has served me well for the past 6 months than "VOO and chill"

Mentions:#EWY#VXUS#VOO

VYMI smokes VXUS. VGT smokes QQQ. Add GLD.

Best boglehead split with a slight amount of regardation? I think mixing QQQ, VT and VXUS depending on how much US vs international expusure you want. Can even add a small/midcap USA etf (though i don't like russel 2000), i don't know which etf though as i would prefer active screening for solid fundamentals. (VT does seem to have all cap expusure) For the regardation i'm thinking metals/uranium miners, SMH, korea/taiwan/brazil index, space or defense etf, even bitcoin or fintech etf. Any other interesting etf plays? I may even consider tips bonds if you think a huge crash is imminent but i think i will just hold a larger cash position in hysa/0 month tbills. Not liking leverage right now tbh. Stock market looks funky. American market weak af and ex-usa market in its own valuation bubble. I can see it blowing up one way or the other soon even without ai unraveling.

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

Mentions:#VOO#VXUS

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

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

Mentions:#VXUS

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

Mentions:#VXUS#VEU

VEA or VXUS. Otherwise you are too late.

Mentions:#VEA#VXUS

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

Mentions:#VOO#VXUS

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

Mentions:#VXUS

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

Everyone's mentioned VXUS already. I personally use VEU

Mentions:#VXUS#VEU

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

Mentions:#VXUS