VXUS

drew-gen-x

Agreed. I'm worried and I don't own the Mag 7 or even $VTI . $VXUS will also drop on a crash in the $QQQ. I need to see a continued slow bleed out of the hyper spenders into everything else to continue to see my port go up. Unfortunately too many here think they are diversified owning the $SPY when the Mag 7 make up 30% of the market cap in S&P.

spectra2000_

I got tired to stressing over my options every day, constantly checking the ticket every few minutes. I got unlucky more than I got lucky. Even when the trajectory of a stock was guaranteed, I didn’t have enough money to make the gains worth while. Creating an automatic monthly purchase of SPY, now having transitioned to VTI/VXUS has ensured I keep going up and don’t have to stress about it nor even think about the money every again.

drew-gen-x

I'm a cautiously optimistic bear. I'll stick with $VXUS and $EWJ. I'm still outperforming most bulls here BTD in the Bag 7 stocks despite my bearish tendencies : )

drew-gen-x

$VTI +0.41% $VXUS +1.35% $EWY + 4.07% $EWJ + 1.45% Guess which index is underperforming b/c it has over 30% market cap concentration in the AI cap ex hyperspenders in it?? US stock indices outperforming the world no longer works if the Mag 7 are spending their entire FCF, plus adding debt, plus diluting their shares. In the past 15 years or so those stocks provided tailwinds for $VTI b/c of stock buybacks. Google, Microsoft, Amazon, Meta , etc are definetly NOT doing stock buybacks right now.

skilliard7

Keep in mind that AVGO and DRAM are very correlated because both depend on the AI boom & demand for compute to justify their valuation. VOOG is also very concentrated in AI stocks, VOO is about 50% tech stocks. If your goal is to diversify, you probably want exposure outside of tech: - VXUS can give a bit of international exposure and is good. - VNQ is a good option, real estate is not very correlated to tech. - Don't be afraid of bonds. You can lock in 4-5% yields at current rates, depending of duration. You say you're a software engineer- the labor market is rough out there, lots of layoffs happening. It might make sense to put 10-20% of your portfolio in bonds just to smooth it out.

drew-gen-x

Nope. But I would also rather own $VXUS, $VPL, and $EWJ over the $SOXX and $EWY right now. B/C when that AI cap ex pullback starts at least 80% of the remaining fund is in financials, industrials, and other sectors besides just technology. It will still hurt. I'm heavily positioned in the AI trade, but I'm also not exactly all in.

drew-gen-x

I owned $EWY and sold out the Friday before last b/c the volatility was giving me a heart attack. It was a mistake. $VXUS, $EWJ, and $VPL are now my largest holdings. They all move in the same direction as $EWY but the volatility is about a 1/3 in $VXUS and about 1/2 in $VPL. I also believe that Japan will benefit more as the AI cap ex spending moves more to hardware.

Cloud2987

I buy VOO 50% (core engine) QQQM 20% (growth tilt) 10% SCHD (income + stability), 10% VXUS (world diversity), 5% IBIT (Bitcoin, speculative, and 5% SGOV (dry powder to use when markets crash). This portfolio touches a little bit of everything and still focuses on growth.

Used-Air-2688

Absolutely. This is a common journey for many investors. The hardest lesson isn't that beating the market is impossible—it's that beating it consistently, after taxes, fees, and hundreds of hours of research, is incredibly difficult. Many investors eventually realize: * Index funds outperform most active investors over long periods. * Time and emotional energy have value too. * Not every market opinion needs to become an investment decision. * A simple portfolio of VTI/VXUS often delivers better risk-adjusted results than a portfolio of stock picks. Ironically, once people stop trying to outperform, they often enjoy investing more. Markets become interesting again instead of stressful. A lot of successful investors end up with a "core and satellite" approach: 80–90% in index funds and 10–20% in individual stocks or special opportunities. That lets them scratch the stock-picking itch without risking their financial future on it. So yes, many people make this shift. It's often less about giving up and more about recognizing where the odds are actually in your favor.

cforb92

Keep holding VOO, GOOGL, TSM, and VXUS

Icy_Level4607

Yes, I recently made the shift from individual tickers to low-cost ETFs like VOO, VXUS, and AVUV. You will sleep much better at night. I know I do.

Fun-Personality-8008

I've been beating the S&P since the 2024 with VXUS alone. Since 1/1/25 I am outperforming it by nearly 100%

Jealous_Bookkeeper20

That's completely fine. As long as his tax return shows enough earned income to cover the contribution, the IRS doesn't care where the physical cash comes from. Gifting the money is a great way to jumpstart things. Keeping it in a simple VTI/VXUS split is also way easier than managing overlapping growth funds, especially when he starts filing his own returns.

JohnDLG

You could add SCHD and AVUV in your preferred percentages for domestic and then use VXUS in your preferred percentage as foreign holdings. Myself I'm roughly: VOO 30% SCHD 20% AVUV 10% VXUS 30% other/individual stocks 10%

SerMumble

Looks like you're trying to time the market and hedge against tech. Unless you're retiring in your 30-40s there isn't really anything to worry about market volatility for a good core index like the S&P500. In the long run, a crash will be a minor event. SCHY comes to mind but its performance and drawdowns will likely underperform SCHD. Avantis funds like AVUV for the US small cap or AVDE, AVDV for international. VXUS is a total exUSA etf. Be aware, until a crash or significant market rotation out of tech, long standing hedges against the main market engine will underperform expectations significantly. It can be useful to be prepared for some market rotations or have an extra emergency shield etf for a portfolio but at 30, you're still relatively young and with a lot of time ahead of you. Time in market typically outperforms timing the market.

DaemonTargaryen2024

It’s the same thing as VXUS, just a [different share class](https://advisors.vanguard.com/investments/products/vtsnx/vanguard-total-international-stock-index-fund-institutional-shares)

Zyltris

VT tracks the FTSE Global All Cap Index, which does include VTI, but also VXUS. If you want to stock pick, time the market, what have you, sure, but diversification is your only free lunch in investing. If you want to protect yourself from a drawdown you can’t predict, diversification is the only sensible way to do so.

xoirh4-u238

Thanks hadn’t thought of that one, only VXUS. But I’ll look into it

SerMumble

8% Growth: VGT 34% Core: VOO 58% Defensives/Hedges: VXUS, AVUV, SCHD, BRK.B, VNQ, XLE, VWO

Corded_Chaos

Remove all below VGT and redistribute to VOO/VXUS

kinetic_honda

Seems unnecessarily complicated with the tilts and anchors. Of course, it's personal choice, but I'd just go 75% VTI and 25% VXUS.

KangarooKindly86

Hey everyone just looking for some quick advice and guidance. I’m 20 years old and had some money from a TOD (transfer on death, about 50k). I put about 70% into VTI, and 25% into VXUS. I’m maintaining approximately 5-7% in speculation, with recent investments in RKLB, NBIS, and HOOD allocated from part of my summer internship paycheck. I will be graduating next spring with a degree in chemical engineering, and with the upgrade in salary I’m hoping to be strategic about future contributions. Looking for advice on my current holdings, and whether or not I should continue to allocate funds to my speculation over time, or if there are other companies that would be better recommended. The first priority in future allocation will obviously be the ETFs, but I’m curious how my speculation strategy can be tuned up. I’m not an idiot that’s going to follow anything blindly or without research, just looking for

rpv123

If you’re in a passive diversified index fund, you’re also down today. I’m guessing that’s contributing. VTI/VXUS/VT are both down today so even the Bogleheads are feeling it.

ThyThuum

That’s a mess. Do just VOO, Qqqm and VXUS. Can add one more if you want but that’s a mess.

Dwalorn

Keep in mind that your employment doesn’t really give you any edge in predicting the market. “I think renewables and nuclear are going to pop off because I’m in the industry” isn’t too much of anything because like… yeah, everyone thinks that. They’ve been thinking it for 5-10 years. That being said there are a ton of renewable/clean energy ETFs, and you can just google that phrase to find them. They tend to preform worse than just the S&P500 because again, it’s not exactly a trade secret that energy production is a big market. Nuclear is a slightly different animal. A lot of nuclear production isn’t publicly traded. There are some nuclear mining related stocks like UUUU and some nuclear tech related stocks like Lightbridge, so you can cast a wide net by just investing a bit in many of them, but it’s pretty speculative. Mining stocks have historically been a great way for naïve investors lose money for the past 300 years - it’s just a really easy industry to promise big future results and then run away with the bag. GEV is something to look into, but it’s hard to say if it’s hit a peak. TL;DR you should probably just buy SPY/VT/VONG/VXUS like every other boring but practical person. You can put 20% into ICLN or whatever but you might want to compare the 5 year projections first

dataCollector42069

bought 200 shares of VXUS here, think im done with options leaving while ahead

drew-gen-x

If the DXY doesn't stop going up there are gonna be more dips to buy at better prices, hahaha. With that said just buy the indices. $VTI, $VT, or $VXUS. Pick your poison.

sh1ft3d

Or just VT for everything... or maybe VTI for US and VXUS for international if you want to control US-Int'l tilt.

drew-gen-x

The market will likely go down from here as I just dumped 3 months of salary into $VXUS, $EWJ, and $VPL (Pacific Asia). You are welcome for the lower prices from here : )

Fun_Training4330

##Satya Nadella is worth 1.5b dollars he's probably got everything in VT and VXUS and could give a shit about your pity msft shares

drew-gen-x

Unfortunately this is a casino and no one wants to hear words of caution right now. Usually you get better prices to buy when there are a hundred angry DJT posts, the end of the world is near, and you feel sick after you buy. I'm holding cash b/c I'm getting ready to feel sick after buying $VT and $VXUS again, hahaha.

Strain_Helpful

So at a young age you should also diversify into other ETFS like VXF and VXUS to fill in those gaps?

DaemonTargaryen2024

Don't take investing guidance from people who say "everyone knows that xyz is going to happen" or "S&P's returns are shit". 100% VOO is probably fine. Still, there's a good argument to capture the rest of the stock market, since VOO is only about 50% of global stock market weight. It excludes mid/small cap US (VXF) and international stocks (VXUS).

drew-gen-x

Is this a bad time to point out that $VXUS, $EWJ, $EWT, and $EWY are outperforming the $SPY and $QQQ again today?? The cash spending train keeps departing from the US AI cap ex hyper spenders and those checks keep arriving & getting cashed in the Pacific Asia region. Follow the money.

jrex035

EPOL does look very tempting. Better pe, p/b, p/s, p/fcf, and dividends than VXUS. Very solid returns over the past few years too

pandahustler

Got it! I did some further research and decided to swap out SCHD, shifting my %'s to 50% VOO/25% QQQM/20% SOXX/5% VXUS. Any insight?

drew-gen-x

Yeah, I'm 100% EFT's. I changed my entire strategy during the March 2026 sell-off. My port is currently $VXUS, $EWJ, $GLD, and $VT. I was down so much money from Feb to March that the only way I kept myself in the market and keep BTD was to just buy the whole damn world market and take the loss and sell all my individual stocks. It's worked out swimmingly as I am so much more stress free.

drew-gen-x

These are all good points. I sold out of $EWY last Friday and have been moving those funds into $VXUS. Both funds move in the same direction & seem to be the same trade; but the volatility seems to be a 3x for $EWY compared to $VXUS.

fozzy71

I am mid-50's and try to avoid sector ETFs, so I would probably stick with what you already have, but increase your VXUS. I currently hold about 22 or 23% but am in the process of rebalancing and trying to push it up to 25% for exUS. I am also not a fan of VXF. I hold a core in IVV and a similar weight in AVUV for small caps, and actually decided just today to start DCAing into an XMMO position for mid-cap exposure.

drew-gen-x

I think the top we hit the top until they force OpenAI and Antropic IPO's down every American's 401K. The elite don't wanna hold that debt bag of shit. They're already handing off that SpaceX bag of shit to retail. I'm looking at where the money is moving. It's moving out of the Mag 7 cap ex Ai hypersclaers (USA) to the $SOXX, $VXUS, and esp Pacific Asia. Now once $MSFT, $AMZN, $GOOGl, etc slow down their AI cap ex spending the gig is over and you better hit that sell button.

drew-gen-x

Not I. If the market wants to bid up the DXY b/c the new Fed Sheriff is gonna talk a tough game w/ no action I will use these inflated USD to buy more $VXUS, $VT, and $GLD. Jawboning is the final tool left in the Fed's so called toolbox.

Aevaris_

It's why I'm planning to buy VOO, SCHD, and VXUS. None of these indices will allow IPOs in until the longer of 4 profitable quarters or 1 year. I'll let others hold the bag for these.

drew-gen-x

I fail to see how the KW Fed presser is ralliyng the DXY or King Dollar above 100.55. I just BTD in the usual suspects. $VXUS, $VT, and $GLD.

Legaon

Anybody expect a (significant US stock market dump), on Monday? Because as of (June 17, 2026). —>VXUS = up by (0.80%) —>VTI = down by (0.10%) —>VT = up by (0.20%) International equities/companies = up. US equities/companies = down. —>US + Iran agreement — to be physically signed on (June 19, 2026). This Friday

OneTwoThreePooAndPee

I keep my money in IGOV and VXUS when it's not in calls for tech.

OneTwoThreePooAndPee

Put 20% in GOOG/AMZN/MSFT, 30% in VXUS, 20% in general sector ETFs, and 30% in bonds/IGOV. Check each month, rebalance the portfolio to these percentages. Watch your balance go up.

morbidgames

There will always be ups and downs in the market. In the 80's inflation and 11% unemployment, then 90's we had the Gulf War, then 2001 the dot com bubble, 2007 the real estate recession, 2020 covid, now 2026 we have a war with Iran. Nothing ever really changes. You won't be eble to time the market, no one can. Also just because one market sector goes to shit doesn't mean they all do. At 20 you should invest your money in a ETF focused on high Growth, things like VGT/VOO, maybe even some industry specific ETFS like QTUM for quantum computing. You get 30+ years of watching the money go up and down but with compounding you're upward projectory can be meaningful. At 30-40 you may want to change things up, move from all growth potential to more steady so things like VTI and BBUS with a small allocation to VXUS (non US markets) as you want less risk, which also means less growth. At 50-60 you need to start thinking about consistent income and tax implecations instead of growth so you may start looking at things like JEPI/JEPQ, Bonds, Dividend focused ETFs like VYM/VIG. I don't know your Dad's age but what they do with their money needs to be different from what you do with your money.

CorporateHobbyist

I used to work in quantitative finance, market making specifically. If you're trading individual stocks on your own, you are most likely hemmoraging money. It won't look as bad in a bull market, but I can assure you that active investing is a suckers game. Personally I keep my savings nearly 100% VTI, though I've been buying some VXUS over the last couple years to make it around an 85/15 split. 

rollin20s

Get back into total market EFTS - VT, VTI, VOO. VXUS for international exposure if you don’t go VT. Hold for 20+ years and won’t even think about the gains you missed out on this past year. Obligatory cliche - time in the market beats timing the market

drew-gen-x

Another new ATH for $VXUS (World ex US) this morning. You have to watch where the money is going. Reddit's fave AI cap ex hyperscalers are spending their entire 2026 FCF plus even more debt plus diluting their shares and sending the majority of that cash to Samsung, SK, TSMC, ASML, etc. Add in the USA weaponizing the USD. 1st it was Biden freezing Russian foreign assets held abroad in USD and then DJT w/ his assnine tariffs. Foreign capital is being repatriated from US debt & stocks back into their home foreign economies out of necessity and now these foreign economies are showing massive growth.

drew-gen-x

The Nikkei 225 hit a new ATH today. $SPY YTD +9.96% $EWY YTD +18.18% $VXUS YTD +15.91% Yes, the USA is winning and the only place worth investing with 4-6% inflation and DJT winning the war against Iran /sarc

PassiveF1st

lmao, my whole port is red. All my options are red. Except for VXUS, GEV, and NET.

pandahustler

Hi everyone, I am 32y/o, live in the United States. I am employed, 62k pre-tax/annually My goals are for retirement, but taxable brokerage account for retirement + possible home/car purchases in the future. No strict time horizon, maybe 5-15 years for taxable brokerage account. Risk tolerance is med-high for taxable brokerage account, low-med for roth IRA. Plan to invest max roth IRA annually, plan to invest 10-20k into taxable brokerage account (at the beginning and will do small deposits throughout the year, I don't make much right now). No debt. Brand new to investing, currently no stock holdings. \------------------------------------------------------- I am aiming for a few things through fidelity: \- Roth IRA \- Taxable brokerage account For Roth IRA: I will max annually. Have narrowed down to FSKAX, and currently debating the weighting. Open to 100% FSKAX, but also 80-90% FSKAX and 10-20% FTIHX. I was wondering if you guys recommend doing a lumpsum of $7,500 for this year, and then monthly deposits from next year on? For 401k: Starting a new medical residency this fall, don't remember the 401k details right now but I think they match between 2-10%. For HYSA: Still shopping for one, but also considering CD due to fluctuations of APYs. Emergency fund will likely remain in my bank's MMA (\~2.0%). \*\*For taxable brokerage account\*\*: This is where I could really use some advice. I am aiming for a breakdown of -> 35% VOO/30% SCHD/20% QQQM/10% SMH/5% VXUS. I am open to a lot of advice, I haven't bit the bullet in any element of this plan yet, aside from opening a roth IRA account. Apologies if there are silly plans above, I am completely new to everything as I mentioned earlier. Super grateful in advance for any advice/guidance. Thank you!

Odd-Flower2744

Academically I’d argue VT, international allocation important, past returns do not indicate future results, etc but personally find jf hard to stomach so I do VOO and VXUS with lighter international but you’re probably fine either way.

InspectorStunning861

Learn from your mistakes. Your still young enough to reinvent yourself from feeling like a loser to being a successful winner killing it. STOP gambling and seek professional help if you can't quit on your own. Take responsibility for your self, work hard and make smart choices. SAVE $ whatever $ you can from your job and set-up a solid 6 month emergency fund. If you're employer offers a 401k- Contribute monthly to your 401k if possible/especially if you're employer matches contributions. If you're not investing in a 401k through your employer, I highly suggest Opening up a Vanguard brokerage account or equivalent and continually purchase ETF stocks V00(75%), and VXUS(25%) @30 and invest for the next 20-35 years and forget about it. You can still invest $ in a separate brokerage account even if you have a guaranteed retirement locked in Referencing stocks-As you get older approaching retirement slowly reallocate a higher percentage of your stocks$ into bonds/ high yield savings acct etc with guaranteed 5% yearly returns. Financial success$$/wealth is most often grown over time very slowly through your Job/career+ passive income that will continue to compound over time. Know the key difference between assets and liabilities. liabilities make people poor and assets make you $. Stay far away from bad expensive habits, gambling bad debt ex.credit cards, expensive car loans or anything burning your $ up. Keep toxic people out of your life no matter what. Set goals for yourself and never deviate from the carefully layed out plan. Good luck!

DrB00

Time in the market beats timing the market. Just slowly put money in. Don't over commit. Diversify what you invest in. ETF's will help diversity of investments. Like VXUS and VOO are both suitable broad investments that don't really overlap. Take some time to read and learn.

Newbiewhitekicks

No you want FTIHX not FSPSX. FTIHX is the Fidelity version of vanguards VXUS.

_galaga_

https://portfolioslab.com/tools/stock-comparison/FSPSX/VXUS 5 year returns are within just a couple percent (55% vs 57%) favoring FSPSX. YTD VXUS has a healthy lead (10% vs 15%). It's impossible to predict but if I had to guess the longer you go the more they'll tend to correlate.

srbg00

Both are good options. FSPSX gives you developed international markets, while VXUS adds emerging markets and more diversification. Emerging markets are more volatile, but that doesn’t automatically mean worse long term returns. I’d choose based on your strategy, not past performance. If you want broader global exposure, VXUS makes sense. If you prefer avoiding emerging markets, sticking with FSPSX is reasonable.

TortugaTurtle47

I do VTI and VXUS instead of VT.

Zestyclose_Virus_473

I’m new to investing even though I’m 55 years old, but this question shocked me and I hope it’s ragebait on their behalf. If not hope it all works out 👍 Now for me, I’m currently dealing with cash savings of about 300,000 that was in the bank (stupid I know) I have thus far put most of that into SGOV and bought little entry point on VOO and small amount of Google as my high conviction stock for the long run. I’m having the hardest time understanding how to enter this market. I thought I could wait for dips. Dips never happen lol should’ve learned what I read about time in the market now I’ve seen frozen any suggestions as we sit on the high again? I was going to invest in VOO about to 55% 20% QQQM 10% VXUS (international) and 10% SCHD and 5% Google. For Roth a 70/30 VOO/QQQM Outside of the above, I have 401(k) that slowly reached about 330 K. Just for overall understanding as well as as 80k still in my savings as immediate use emergency which I know it could be smaller. Any help would be appreciated.

IvoryTowerResident

VXUS has a lot of AI related themes

jrex035

B, SILJ, TLT, XLU, PICK, EWY, VXUS, IAU. Managed to buy the daily top on most of them somehow lmao

johntc121

Company got bought out and is no longer using the current 401k provider. I decided to rollover my 401k balance to a traditional IRA. It's about $30k Trying to figure out the best way to diversify the funds (as well as continue to contribute to the same diversification) What plan seems better (or any other suggestions)? Option A: 70% VTI 20% VXUS 10% QQQ Option B: 80% VTI 20% VXUS Option C: 70% VTI 20% VXUS 10% bonds Some other funds I have in my brokerage account is SCHD and VOO. Pretty new to investing, so these may not even be the best options. If you have other suggestions, please let me know.

throwaway-4748329472

You’re absolutely right and I salute your mental fortitude to make it through. The 2020 and 2022 drawdowns must have been intense. I hold 90%+ in VTI + VXUS, I’m with you. But I also have watched tons of friends and colleagues try it and panic sell bottoms. Those people should have higher cash and bond allocations, so they don’t panic and can re-allocate (buy stocks with their large cash and bond positions). It gives them the psychological stability to stay the course.

drew-gen-x

Until the AI cap ex hyperscalers stop spending their entire 2026 FCF plus extra debt and keep diluting their stock. none of them are buys IMHO. Buy what they are spending their money on. Look at $SOXX, $CAT, $VXUS (Samsung, SK, TSMC, ASML). I tend to look that all this cash is moving from the USA to Pacific Asia area. Nvidia ain't making any of these chips in the USA. The $SOXX has moved too far too fast so I like $VXUS. Follow the flow of money.

drew-gen-x

Agreed that's why I sold $EWY Friday. I wish I sold today or yesterday instead. I've been adding to $EWJ under $90. I'm buying gold & silver now the dip has passed for $VXUS and $EWJ. That was last week as they retested the 20 WMA and bounced.

drew-gen-x

I bought heavy into $EWY, $EWJ, and $VXUS along w/ $GLD during the March 30-31st bottom. But $EWY South Korean market is acting like a 3x leveraged $VXUS position so I sold a bit early last Friday and been adding to $EWJ instead since it isn't moving as a direct coorelation to $VXUS. BOJ raised interest rates this week while the Fed is expected to hold steady. Japan stocks are risky, but I think the Asian Pacific boom is going to spread to Japan as they align more w/ China & South Korea over the USA sadly. Besides Warren Buffet has been buying Japanese banks. I'm big into cycles and ever since the Nikkei 225 broke out of its 40 year bear market and set a new ATH, the Nikkei has outperformed the S&P 500.

chinaski73

So I’m a VXUS holder as a smaller position to my VOO. Thing is historically when the US has a crash it’s taken down the world markets as well. So I don’t look at VXUS to hedge against a US bubble crash, but just for some more diversification.

Sufficient_Habit5091

> I BTD on World ex-US $VXUS This is the way.

AmbitiousFox89

$VXUS.

drew-gen-x

I ignore the craziness and send congratulations to whomever profits on the bubble assets. But I ain't touching SpaceX just like I don't touch or short Tesla. I BTD on World ex-US $VXUS and Japan $EWJ heavy last week. This week I'm buying $PHYS (Gold) and $PSLV (Silver) heavily. These positions might blow up in my face but I don't think a potential Iran and DJT peace deal changes the world economies & gov'ts speed in pivoting away from the USD one bit. I hate betting against the USA, but all I see here is bubble after bubble w/ 4-6% inflation depending on how the CPI or PPI numbers are cooked.

ablablababla

I have 45% VOO, 10% AVDV, 10% AVUV, and 15% VXUS right now, plus a tiny bit of QQQ

InvestingNerd2020

For a late starter, you need better growth. Therefore, go with VOO. You can always allocate 20% to VXUS for international exposure. Example: 80% VOO and 20% VXUS. Keep this allocation from 36 until 56 years old. Don't change and keep investing as long as you are employed.

kepano808

VT is very good, but if you decide to move to VOO then add VXUS. That being said, VT = VOO + VXUS. The difference is that you get to manage the percentage of market mix.

Rare-Ad9392

I don't ask for anything from them. I have total trust, but yes as i've researched the last year, I realized that I'm paying on the high end. And would really stay with them if I was closer to 1 -1.2%. but thinking about just consolidation to a 3-Fund Structure: Total U.S. Stock Market ETF (like VTI) 60% International Stock ETF (like VXUS) 20% Total Bond ETF (like BND) 20% And do this myself and seek out a flat fee advisor yearly or as needed.

AceMaxAceMax

VTI/VXUS or VT. The end.

bofoshow51

Starting at 35 is actually the average, and about $1000 a month is a really great start! You should focus first on maxing your retirement accounts, certainly your Roth IRA, before prioritizing a taxable account. You only do taxable after getting all that advantage juice from the other first, or you plan to FIRE and know exactly how much you need in a taxable to tide you over til you can withdraw from retirement accounts. Way way way better to auto set to low cost broad market index funds like VOO. I highly recommend doing a mix of US and International, so VOO/VTI + VXUS, or even simpler just VT. VT and chill on auto is truly the statistically best way to get your money working for you long term. The best time to start was yesterday, the second best time is right now. Congrats, and keep it up!

CitizenPremier

You don't have to choose one index. If I were doing nothing but indexes, buy-and-forget, I'd do a mix of QQQ (tech heavy but good if there is no AI bubble), VOO, VXUS (exclude the US) and IXJ (healthcare). Ideally however you should buy more every week. If you are scared about the idea of buying at the top and perhaps your stock losing value for years before it recovers, then just buy in a bit every month - say $1000 a month. After the $7000 is all invested, you can set a goal of say $200 a month, which you can increase later when you have a job.

Je-ne-dirai-pas

I’ll move all the industry ETFs to just VOO, QQQ, and VXUS. Keeps it cleaner and will likely outperform

WorthContribution457

If you want a simple 4 ETF portfolio so you don’t have to be constantly worrying about buying or researching companies/stock VOO - (S&P top 500 companies ) VO- (mid cap companies ) AVUV - (Small cap companies ) VXUS ( International companies ) Good balance so you are seeing diversification without having to pick and choose Obviously other ETFS in the same sectors but those are a few.

Narkanin

Does he play video games? Try a small amount in whatever game companies he’s really into and then majority in something stable like spy, VTI, and probably international like VXUS. There’s also an e sports etf which bounces around a bit, that could be interesting to him without being make or break

MuntzDesigns1

Open a Vanguard account (Roth IRA) and invest in VOO or VTI with some international exposure like VXUS. Keep in simple and set up recurring investments.

Fantastic-Ice-1402

A target date fund is fine to start with while you learn. It has a combination of VTI, VXauS, and bonds based on the year you plan to retire. At a young age you could probably just do 65% VTI and 35% VXUS and no bonds until later.

Saehgny

Not sure about SOFI but I like your individual stocks. Keep them! As others suggested I would suggest you add an index fund like VOO or QQQM and perhaps an international ETF like VYMI or VXUS. Time is on your side.  Keep investing regularly. Great start!

YourChildhood5762

I think it's good. Developed markets ex-US hasn't been doing great for me. Everyone jumped in at the beginning of last year and drove the prices higher than growth could keep up with. I'm not losing but gains are close to flat. Emerging markets are doing very well but you coming in late may hit the same situation I did with Developed. Small caps has also been doing decent after two years of barely staying above water. You'll have to keep an eye on that as well as your internationals. I don't think they are as reliable as large-cap US indexes but I'm not dumping mine. I have GRID since February 2025 and it's given me a 63% gain. I'd keep VOO and QQQM the same percentage. Take VXUS down to 15% and apply 7.5% each to AVDV and AVES. AVUV at 10% and 5% to all the rest (If I counted correctly, you have to drop one). I think we're at the end of the tech boom but 5% isn't huge and some of those should hit at least 10% gain a year to balance out any losses. Since I think you'll need to drop one, that would be either HUMN or WQTM. But that's based only on vibes I haven't done any research. Or BTC which I don't trust at all but it's popular. Full port DRAM means put everything on memory. You have SMH so ignore that. He's trolling. Plus you've got more chip exposure with VXUS.

Envyforme

Its not a bad portfolio. If you went to r/Bogleheads they'd tell you it's wrong because you are concentrated more than 0.2% in the nasdaq-100. I'd remove the outlier ETFs in specific industries though. SMH, GRID, XAR, WQTM, HUMN, etc. There is nothing wrong with prioritizing some exposure, but I do not think a 2.5% holding on a specific industry going up 200% is going to change much in your portfolio long term. If you just want a broad, super aggressive fund, I'd prioritize QQQM on a heavily weighted percentage (30%) instead of all those. Updated: * QQQM 32.5% * VOO 25% * VXUS 20% * AVDV 7.5% * AVUV 7.5% * AVES 5% * BTC 2.5%

JeanneDarc0

Just do VOO or VTI and call it a day bro, maybe throw in international exchange stock like VXUS for diversability 😂

SurgicalClarity

Like others have said, these numbers just aren't realistic. I'd start with the /r/personalfinance flow chart. https://www.reddit.com/r/personalfinance/wiki/commontopics Keep enough in checking to cover your monthly expenses (which I'm guessing are near zero since you're in high school) with a little cushion. Put the rest in a high yield savings account for now. Check bankrate.com for options but you should be able to get 3-3.5% at the moment. If you're not going to need the money for several years, you can consider investing. Once you have income from a job, you can consider a Roth IRA, or a taxable brokerage until then. You can open these accounts at a place like Vanguard or Fidelity. If you go the IRA route, consider a target date 2070 fund, or roll your own 3-fund portfolio (VTI, VXUS, BND). If you use a taxable brokerage, definitely don't do the target date fund as you'll be taxed on the capital gains distributions even if you don't sell.

InclinationCompass

Not worried - between VTI and VXUS, I’m invested in over 12k stocks across the globe.

drew-gen-x

I bought $VXUS very heavily last week. I'm trimming and taking profits this morning. The War is over. You can't get much better news than that : )

TreGet234

My thoughts too. VXUS will oitperform spy again.

Jammer250

Over the last 30 years, small-cap value (AVUV/DFSVX) outperformed SPY by 1-2% per year. Nasdaq-100 did the best, but you’d be hard-pressed to find a significant sample of the population that held through the dot-com drawdown to get the returns from that 30-year period. Not many with a 15-year horizon are going to realize that kind of equity growth if they are in the median of shifting to capital preservation rather than growth in those last years before retirement. International (VXUS) has done the worst over the longer timeframe as well. It’s a changing landscape, will be interesting to see if ex-US sees greater returns from here. But the longer horizon is still not favorable yet.

Ok_Maintenance_3122

“I started in 2011 because that’s when VXUS (total international) launched and I didn’t want to leave it out.”

Ok_Maintenance_3122

I stated why I picked 2011. That’s when VXUS came around and I wanted to include it. Plus 25 years was a nice number. I state if you invested in 2011 with a “medium time horizon” in my post as well.

Average_TechSpec

Buy VTI/VXUS (My split is 78/22) - more US heavy.

Illustrious_Gift1609

$240,000 VTI and $160,000 VXUS. Not financial advice. But this is what a professional managed portfolio would look like. 60/40 %. Or aggressive with 80/20.

thunderthighlasagna

Why not both? $200k in the market now and DCA the rest out over the next year. I got into investing earlier this year and put my savings ($20k) into the market in February (VOO/VXUS). If I had DCA’d over February and March, I’d have more money right now, but if you zoom out there truly is no bad time to enter the market if you have a good time horizon.

Narkanin

There’s no timing the market. Since you’ve established your timeline is long term (assuming 10+ years here) then your best bet is to stay really simple with most of your money. Something like a VTI/VXUS split or equivalent. If you’re worried about a drop soon, then set up automatic buys to spread it out over the next year or whatever feels good to you and just check in on it every so often to make sure all so as it should be. Whatever you decide, make sure it feels good to you. Because whatever happens, you’re the only one responsible. A small amount of research will tell you what most financial planners will tell you, but if you’re really not comfortable with any of this, then you can also hire someone.

under-it-all

VXUS works well