VXUS
Vanguard Total International Stock Index Fund ETF Shares
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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
Individual stock picking is not correlated to long term investing success. Whole market index funds held for a long time are. Consistently hitting the market average is something to celebrate. It's easy to do these days and nearly entirely stress free. Professional stock pickers struggle to beat the market average and they can't do it consistently. Chances are you're not better equipped or more well informed than a professional broker working at a big firm. Brokers have good years and bad. Retail investors have good years and bad. If you're hitting the market average you're doing better than most. VOO, VTI, VXUS or just wrap it all together and go for VT.
Oh, if we are limiting discussion to SCHD, brute force selling VOO shares will win every time, there's no question here. SCHD is not a good investment imo. I went single company as an example of quality dividend stock. In income community both MAIN and ARCC are as well established and known as VOO or VXUS in index investing. My point was that it is not hard to create an income portfolio using BDCs, CEFs, and/or MLPs that will provide sufficient income. If you are interested, I can replace the ticker with an income CEF that will produce similar results.
90% VTI, 10% VXUS, and chill. When everyone freaks out and panicking like on Liberation day, I double down, work overtime, cash in vacation hours, and throw it all in.
On the US side I prefer VOO + VXUS, particularly with the current outlook. Outside of the US that means VWCE, which I believe has about 60% exposure to US stocks. It doesn't get much more chill than that.
You just buy more VTI/VXUS
75% VTI 25% VXUS if single stock-> goog/amzn/aapl
VXUS beat SPY last year and is expected to do it again this year. Maybe putting 50% into international stocks isn’t a bad idea.
Would VXUS and or things that have small and mid caps not help diversification? All for not being overly tech, but at the same time tech has carried civilization since its inception.
Currently I’m mainly in VTI, VOO, VYM but I want to add an international fund like VXUS
VT is total market = US large mid & small vaps + International developed emerging & small caps VXUS is international ONLY = International developed emerging & small caps VT covers everything
VOO and VTI overlap with VTI holding 3000+ US companies and VOO holding only 500+ companies. If you want foreign exposure outside US, then VXUS is a good one. A dividend-focused one would be like SCHD. VGIT, BND, SGOV are all like investing in fixed income/bonds/HYSA so I would put a few percentage there for a safety net. Overall, if your goals are aggressive, I’d put like 50% in either just VOO or VTI. Split the remaining 50% among foreign exposure like VXUS, dividend exposure like SCHD, and fixed-income exposure like VGIT.
100k into a HYSA. The rest split between 20% QQQ, 25% VTI, 15% XAR, 15% VXUS, 15% VB, 10% VAW. With this you can catch gains from materials, defense, and small caps all benefiting from the US grand strategy. Protection from downside risk with the large caps while catching their AI rise. Then you have the dry powder with the HYSA to add onto anything having a run like more commodities.
Comparing VTI to a target date fund is apples to oranges. Compare a VTI+VXUS+bonds to a TDF.
Lots of decades of international outperformance but not any recently . Point is you never know what will outperform. S and p got crushed by VXUS last year and VT. IMO I don’t care and I am 100% VOO in all my accounts. But as my portfolio gets larger I will add more VXUS maybe 20%
You probably don’t need to do both VOO and VTI. You should also consider an international fund to diversify. You are you d enough that you could probably split between VTI and something like VXUS.
Nothing. Don’t listen to the bag chasers losing their money. Consider VXUS too, international exposure that has growth and a 3% dividend yield.
Consider VXUS as well since ~20-30% of VOO is the Mag7. That gives you international exposure.
VXUS is international only. VT will overlap that some.
What is the difference between VXUS and VT?
It doesn't necessarily cost more in fees either, depends on the specific funds. VTI (0.03%) + VXUS (0.05%) is lower fee than VT (0.06%). The single fund is simpler and automatically rebalances, which is a big advantage. If the fees are this low, a few hundreths of 1% simply don't matter. DHHF which is an Australian global ex-Australia ETF is 0.19%. BGBL (developed markets ex-Australia) is 0.08%. BEMG (emerging) is 0.35%, but emerging markets are only 10% of global equity capitalisation by weight. So BGBL+BEMG at market weight would be around 0.11%.
VOO is limited to about 500 stocks selected by a committee, VTI is every stock in the US. The downside is concentration risk. Both indexes use market capitalization to decide how much of each stock should be in the index. The biggest conpanies will be proportionally a larger part of the index. If you buy VOO, 7% of your investment is in Nvidia. In theory, you're trusting that the market is pricing the companies appropriately, but in practice if it's not you are pretty highly concentrated in a few stocks and sectors. You are theoretically getting a better return (assuming the market is correctly priced) but should expect higher volatility. In addition, you're losing exposure to international stocks, which also might make your investment more volatile due to less diversification. In reality you have little to worry about over a long (10+ year) horizon. If you want greater diversification and less volatility, and are willing to accept potentially smaller returns, then go for something like 80% VTI, and 20% VXUS which is an index of international stocks. Otherwise just put everything in VOO and don't look at it.
Thanks for the input I don’t have VTSAX, I got VXUS and VNQI. The partial shares sucks because most all what investors have partial shares
People mention this often when talking about things like VTI/VXUS vs VT. In this case you save a very small insignificant amount by splitting between VTI/VXUS
If you keep it to only one ETF, it will hinder avoiding wash sale in taxable when it is time to sell. Also there could be some possible tax loss harvesting to do when large caps behave differently than dmall&mid caps. US market: large+ mid& small cap =VOO+VXF = VTI Intl : VXUS
Downside is 100% US exposure, but to some that’s the goal. Many existing and foreseeable headwinds for the USD due to worsening international relations and active de dollarization efforts. Personally I don’t see the U.S. losing its status as the reserve currency in any abrupt sense, but the slow draw down is non zero chance. It’s not inherently a good or bad thing, but it introduced some uncertainty/risk in regards to global capital flows repricing assets faster than US companies can capitalize on the weaker dollar. Some international exposure might serve as a good diversified. Something like VXUS is a nice fire and forget - it’s like VTI but international.
Don’t really know VYMI, but returns look good, no red flags jump out at me. Turnover is high at 11.5%, smaller fund. Marginal differences in country exposure. Heavier exposure to finance, energy and pharma where VXUS is weighted more to tech. Given that your US equity is presumably heavily weighted to tech already (because the whole market is) I like it as a slight hedge against AI. VYMI has 1000 individual positions vs 8000 for VXUS, so they’re both broadly diversified aside from dividend-paying sectors obviously being overrepresented in VYMI. Unless your portfolio is otherwise overexposure to those sectors, or you work in one of them, I don’t see why that can’t be your international core, just has a slightly different flavor. Not quite as set it and forget it as a market cap weighted index fund though.
I do about 70% in VTI and 30% in VXUS for the growth portion of my investments.
I’m personally a fan of something like 80/20 VTI/VXUS
Thoughts on VYMI over VXUS? Have a significant position in VYMI and I'm thinking if I should switch
VOO=S&P 500 VTI=Total US Market VXUS=Total International Market VT=Total Global Market In order to get the entire global market you can either go for VTI plus VXUS or just go all in on VT like I did. VT automatically rebalances so you never have to worry about tinkering with your portfolio. The only thing you have to do is buy more VT shares over time. VT is an entire global equity portfolio in one simple ETF.
Thank you for the info. Same question but VXUS +VOO?
VTI is the total US market whereas VOO is just the S&P 500. So all 500 of those companies are already in VTI, just a less concentrated. So it doesn’t make too much sense to own both. I personally prefer VOO as I think total market just carries too much deadweight, but some people think the total market is safer. VXUS is like VTI but for worldwide non-US stocks. It did particularly well this year as the value of the US dollar went down. But you could pair it fine with either VTI or VOO and you’d still be getting diversification.
I’ve actually held off on contributing to my 401k until my company match hits (1 year with my company) and that just hit recently so I’ll start contributing a percentage to that as well. So from my understanding of your comment you recommend VTI and VXUS and excluding VOO altogether? Sorry if that’s a stupid question I’m new to this
Lol this reads like some kind of zen koan. To elaborate OP, VTI already contains all the S&P 500 names in VOO plus thousands of mid and small caps, so the overlap is huge and performance ends up almost identical most of the time. All you really do by owning both is add complexity (more tickers to track, messier allocation) without meaningful extra diversification If you want to diversify, go international with an ETF like VXUS, or just go all in on VTI until you get near retirement and allocate some to bonds, I believe the ticker is BND
This is the way. 80/20 VTI/VXUS has served me well thus far
VTI is a total market fund and duplicates exposure that you would have in VOO (lots of NVDA, for instance). Consider adding international exposure via VXUS. Make sure you’re contributing at least enough to your 401k (if you have one) to get any company match.
You’re not wrong to question it. VGT’s returns have been great, but the concentration risk (NVDA/AAPL/MSFT) is real. QQQM still gives you strong growth exposure, just with broader sector diversification and less dependence on a few names. Swapping VGT for QQQM is more about reducing volatility than giving up upside. You’ll still benefit if AI keeps winning, just without all the risk sitting in one sector. Personally, I prefer keeping the core diversified (VTI/VXUS/QQQM) and saving true speculation for small side bets...things I’m also considering, like Ian King next gen coin rather than concentrating that risk inside the core portfolio.
Some international exposure in your equity portfolio (VXUS) would be worth considering; there's a long-running debate over the merits thereof, since international has mostly underperformed US over the past couple decades (2025 was a rare exception), and no firm answer, but it does add some geographic and currency diversification.
VTI, VXUS, BNDW. VT and BNDW is fine too if you don't care about foreign tax credits.
Adding either VGT or QQQM is going to make your portfolio less diversified vs just VTI and VXUS
buy etfs and hold them forever my favorites are VOO, VXUS, VUG, VIG
I'm not sure what funds you have access to in Germany. Normally I would say just buy VXUS as it combines developed markets and emerging markets into a single fund for simplicity. Unless you wanted to hold them at something other than cap weight. You should use a fund based on the MSCI index though, since your emerging markets fund is MSCI. MSCI considers South Korea an emerging market, but other indexes consider it a developed market. So it is possible to accidentally exclude or double up on South Korea if you pair an MSCI fund with a different index. If it's available to you IDEV fits the bill.
Daddy just buy VTI and VXUS
I have BND,BNDX,VTI,and VXUS in etfs
Pick one of these for now and just DCA into it as often as your finances allow (meaning you have 3-6 months of cash for emergencies you don't touch, everything in excess of that, after expenses, you should invest). 1. VOO 2. VTI 3. VTI + VXUS 4. VT
Good job. Maybe fatten up a cash position by taking up some profits if we get some volatility? Maybe like 1/3 of those gains. Thats what I would do at least. Without the Santa rally, if January is weak statistically we might have some extra vol. I’m hedging for dollar weakness and adding to international exposure. VXUS and metals, but metals are crowded right now maybe.
Technically you didn't buy all the haystack. Might be worth rebalancing some VTI into VXUS and VTEB. Allocations depend on your age.
Just buy into an ex-us etf, like VXUS. A good chance you are not late to the party. It is expected that large institutions will continue to diversify into international stocks. Last year, there was talk that this will take years to play out. There is a lot of catching up to be had. A weakening dollar and all of the changes to global trade help too.
I think it depends on person's situation. I am in a low tax rate due to deductions on investment real estate and largely qualified dividends in my taxable accounts with mostly VTI. Actually I may be paying more taxes in my retirement years. Taxable accounts are good if you have tax efficient assets like VTI and VXUS. Get foreign tax credit with VXUS. Nothing wrong with doing a combination of 401k and taxable.
VXUS will beat SPY this year again
> offers superior liquidity thats the point I was arguing with. it literally doesnt mattter, its not relevant. > At the end of the day VT forces you into global market-cap weighting forever…which may be optimal, but removes all strategic flexibility. >While VT’s internal rebalancing avoids taxable events, VTI+VXUS enables tax-loss harvesting opportunities that VT holders cannot access. When international markets underperform (which has been common), you can harvest losses on VXUS while maintaining market exposure So are you buy and hold forever and locked in or tax loss harvesting? I knopw its crazy, but you can own all 3! wow! all of the funds rock. theres no reason to make these terrible blanket statements all of the time.
DCA into VXUS if that’s what you’re worried about
You literally just restated the same benefits to VTI that I’ve already been saying. Even the tax advantages: https://www.reddit.com/r/investing/s/c6IziEwXku While “past performance doesn’t guarantee future results” is technically true, dismissing VTI’s historical outperformance as “meaning nothing” ignores that it reflects fundamental economic realities. While VT’s internal rebalancing avoids taxable events, VTI+VXUS enables tax-loss harvesting opportunities that VT holders cannot access. When international markets underperform (which has been common), you can harvest losses on VXUS while maintaining market exposure. VT’s “tax beneficial” internal rebalancing only matters if you’d otherwise trigger gains…it provides zero benefit during the many years when strategic loss harvesting would be valuable. At the end of the day VT forces you into global market-cap weighting forever…which may be optimal, but removes all strategic flexibility. Again, really unsure why you are so upset that I’m literally just listing reasons why someone would choose VTI over VT (and for the 5th time, VT is a fine fund to invest in). Is there something else going on in your life that would lead you to invest so much time in pointlessly arguing with me about something I’m not even arguing, while essentially ignoring every response I give you and to keep arguing the stuff that I already said doesn’t really matter much? I feel like you need a win. Take this champ 🥇
It was very irrational. I was literally rolling on the floor and laughing at all the panic selling, while I was scooping up some great deals on NVDA. I'm still laughing at all the people who sold S&P500 index funds for things like VXUS and EUAD etc
I have a degen account, and a VOO, AVUV, VXUS, QQQM account at ~50, 10, 15, 25 weights account. Exposed to US large and small with the ability to re-weigh easily, as well as to international stocks. I know QQQM is a lot of overlap with VOO, but I’ve got 45 years and want the added tech exposure.
Lending Club is offering 4% for it's HYSA (called level up). Put your money there so it's at least beating inflation while you figure things out (and also don't have it locked up in a CD). Personally, I would open an account with Fidelity and invest the money in VTI & VXUS or you can simplify your life and invest in VT. If you don't have a Roth IRA, open one now and dump $7500 in (the max contribution this year) and let that settle. Maxing out a Roth is a good idea no matter what you ultimately decide. With an individual brokerage account, you can take the money out at any time (don't have to wait until retirement). This is where my house find is and it's doing well. If the market tanks, which is always a possibility, I won't buy bc I'm happy/comfortable where I am. If you're set on buying a home in 3 years, then just keep that money in the HYSA and don't invest in the stock market. I happen to be up 17% since I started but it's always a risk.
VOO = SP500 VTI = US stock market VXUS = International stock market VUG = US Growth stocks VGT = Information Technology VT = Total world market This gets asked a lot, search the sub https://www.reddit.com/r/ETFs/s/JSEJEY1mzi
You can add some international exposure if you want but VOO and chill is good enough. I like FSPSX for international but VXUS is a popular one
America is ded, another day where VXUS is crushing SPY
VXUS, VYMI, IDEV, IEMG (depending on what you're looking for)
Institutional wisdom favors the "Three-Fund Portfolio" for a reason. VTI (Vanguard Total Stock Market) VXUS (Vanguard Total International Stock) BND (Vanguard Total Bond Market) Efficiency dictates this VTI, VXUS, and BND allocation. VTI captures the entire domestic engine. VXUS provides the necessary global hedge against a weakening dollar. BND offers the ballast needed when equity volatility spikes. It's the same structural integrity that saved disciplined portfolios during the 1970s stagflation. Which is why sophisticated capital favors this triad. Because simplicity is the highest form of risk management.
It’s now 30% VOO, 30% VXUS, 40% VTI and chill.
10% speculative/doomsday 60% VTI 30% VXUS Broad-based, no load, low expense ETFs are the best for getting cheap diversification. Boring and conventional, but much safer than gold options at ATHs
Mfs talking about investing in VXUS, WSB Bogglehead crossover
Smooth move, I was doing similar. Like VXUS though. Impressive returns
gradually adding more ex-US to port. VXUS and friends have been doing numbers
I mean, the good news is you have a ton of money for your age. How much is in your retirement account? One mistake people frequently make is chasing returns. So they look at what has done well recently and put all their money there, but they've kind of missed the boat. Some people are predicting international will outperform US over the next decade. I have no idea if that's true or not, but I'd put at least something into international to cover all your bases. You could do mostly VOO and the rest into VXUS or some other international ETF of your choice.
VT is more diversified than VOO or VXUS alone.
I already own VXUS so I know. That was one year
Check last year's VOO return and compare to VXUS's Tell me which one was better.
No new individual picks for me (just feeding VTI/VXUS) but I have some QS I’m gonna let ride (very small % of portfolio) Also have a gold miner (AEM) and copper (SCCO). Took profit from AEM over the last couple months, maybe too soon, but was up over 250% from my basis and seemed prudent. Still have a small amount on the table.
It’s not “fixed” in that it never changes, it’s fixed in that I have no control over it. I prefer being able to customize my exposure. Regarding the “lost decade,” it’s worth noting that U.S. outperformance has been more consistent historically…international has only outperformed in sporadic periods, and recency bias from 2000-2010 may overweight a single decade’s results. Also if you really want to take advantage of taxes, The VTI + VXUS split enables tax-optimized placement…you can hold VXUS in tax-advantaged accounts (where foreign dividends are higher) while keeping VTI in taxable accounts. VT obviously doesn’t allow this flexibility since it combines both markets in one fund.
VXUS and VT outperformed VOO last year and are continuing to do so. International stocks are doing much better since the US dollar devalued
To each their own, but VOO, SCHD, SGOV, and also VXUS if you feel like dabbling international. That’s the play.
VTI has delivered significantly stronger returns over 10 years due to concentrated exposure to the outperforming U.S. market, particularly in technology sectors. VTI also costs less with a 0.03% expense ratio compared to VT’s 0.07%, offers superior liquidity with higher trading volume, and allows me to manually control my international allocation by pairing with VXUS rather than accepting VT’s fixed 60/40 U.S./international split.
Today is the first trading day after the attacks. What did VT, VTI, VXUS (and yes, VOO) each do? Answer: VOO and chill or, as I prefer, VT and chill.
That's what I'm doing. Knowing my luck as soon as I try to diverge from my current strategy (VTI/VXUS), I'll do way worse than setting and forgetting (Although, I won't lie I regularly check my progress, but I have the willpower to not panic sell when there is a drop)
VTI/VXUS/TTTXX (70/20/10) is my go to. When market turns shit, I take portions of the TTTXX and buy VTI/VXUS. Deposit more into TTTXX. Rinse and repeat. Plus TTTXX isn’t taxed in my state. So get some steady income.
80% VTI + 20% VXUS and chill for your typical brokerage account.
It is the year for VXUS
VXUS and VTI basically make up all the holdings of VT with VXUS being all the international portion and VTI being the US portion. So I would look at VXUS.
Judging from last year, VTI +15% VXUS +30% VT + 20% Yep, that's something.
Lately every time SPY goes up, VXUS goes higher. Is US cooked?
If you're really worried about it they have exChina emerging markets funds. China is only 7% of VXUS though anyway.
You sure want to VOO and chill? I plan to buy more VXUS (60%) than VOO (40%) this year. SP500 valuations seem stretched. Dollar is weakening against a basket of other currencies. Trump government cutting more taxes but continuing to spend at an uncontrolled level. And let’s not mention the tariffs and crazy actions this weekend. US has AI and that’s been powering it along and keeping the economy out of recession. But eventually people will panic and start selling. So yeah, I’m hedging my bet and leaning more towards international.
I would not split them evenly as then you are actively making bets overweighting sections of markets you probably don't even intend to. To keep it simple passive investing is a solved problem you buy the market with the lowest cost funds available. The two big decisions you need to make are your stock and bond mix and then your international allocation. VTI is essentially 3800 US companies its 99.8% of the US VXUS is the rest of the worlds stock markets (though not nearly as complete as VTI) All the stocks that makeup SCHG are in VTI by buying SCHG you are overweighting Large cap growth - will large cap growth overperform relative to the other companies from now until you retire? I have no earthly idea so I would keep it simple and stick to VTI and not complicate your portfolio with overlap. 60% VTI, 20% VXUS, 2.5% FLCH, 10% SGOV and 7.5% reserved for your individual industry ETF and company picks will set you up for a very successful future. Once your investments are of sufficient size you can decide to learn about investing and spend time researching individual companies and pouring over 10k's and trying to beat the market. Until then its a waste of time and a losing effort - just buy the market and let it compound.
I do like the SGOV idea a Ilot, this is great. So if market turns and I see buying opportunity I can sell SGOV and roll it into that stock of interest? I do see your point with individual stocks, I do enjoy it but well informed I cannot say I am, I will look to minimize my stock picking to a select few and really hammer the etfs. I know you listed two in your first comment I should look to add. Would you split them evenly across the board? Assuming I’m looking at vti, SCHG, FLCH, VXUS, SGOV, and CIBR as my etf conglomeration
I would add VXUS and FLCH at a ratio of 9:1 for overseas exposure with a more properly representative chunk of china. And I'd remove Tesla, Palantir, microstrategy, and definitely QQI and roll it into VTI. You are buying such minute fractional shares that it is probably hurting you in the bid ask spread long term. Put your cash into SGOV and get some treasury yield to boot.
Honestly this is probably the best advice here. When geopolitics gets messy, trying to time specific sectors usually backfires. Just DCA into VTI/VXUS and let the chips fall where they may (pun intended)
You know there's a middle ground between buying calls on a bunch of random companies and paying through the nose for an advisor's mutual funds, right? You can just buy VTI/VXUS yourself.
Just go with VT instead of essentially mirroring it anyway. Use VTI and VXUS in taxable.
Change QQQ go VXUS. Problems solved.
You’re in a great spot already. I’d keep 6 months of expenses in HYSA, then start a simple, boring DCA plan and stick to it. Something like VTI + VXUS (or just VT) is hard to beat long-term and keeps you from overthinking allocations. If you want to tilt later, do it small. the real win here is consistency and time, not getting fancy.
60% us total market 40% international total market. You can do VTI+VXUS w/rebalance or VT set it forget it. If you want to try and beat market with somewhat decent odds. You can allocate some percentages to us growth, small cap value, emerging market. 5% each.
At your age, for a Roth IRA, the difference between ETFs and mutual funds isn’t that big. If you want to follow the Boglehead 3 fund, FZROX/FZILX is simpler and has no fees, but VTI/VXUS offers flexibility if you plan to move the account later.
Either one will work. FZROX / FZILX, VTI / VXUS, ITOT / IXUS (blackrock iShares), etc