VXUS

floo82

VXUS is VOO for people who don't want their "total market" fund to be 10% NVDA and 40% MAG7

Apprehensive_Two1528

I read all replies.  Frequently mentioned are  1. VOO 2. Gld 3. BRKB 4. META 5. Msft and google  6. Bitcoin  7. VGT VXUS etc 8. All others 

AnyInjury6700

I actually have 10k going in at this very moment. I am DCAing slowwwly into VTI and VXUS in a Roth IRA.

Zoriontsu

You don't need a Fidelity equivalent. You can buy VXUS at Fidelity. FXAIX is Mutual Fund equivalent to a VOO (ETF S&P 500 index) I am a 20yr Fid customer.

CanYouPleaseChill

I'd split it 50:50 between VXUS and RSP (equal-weight S&P 500).

Weak_Money_9927

VXUS, def gonna outperform VOO in the next 5 years

Cracked_Tendies

Simple, my 401k is 100% VXUS at the moment and I'll reintroduce VTI once OpenAI becomes profitable or goes bankrupt. Until then, VTI mimicks small-cap growth stock probability distribution of returns. Small chance of a very big gain for which I believe most have overpaid

drummer820

In my “fun money” brokerage account for learning and investing, a big part of my outperformance above S&P500/Nasdaq this year was rotating away from US equities in April and reinvesting in VXUS, BND, and several international and domestic high dividend vanguard ETFs with DRIP to stack gains during chop and sideways market. Recently I’ve entered positions in GLDM and VGMPX for precious metal and mining exposure, and I have a smaller position in VT to not totally miss US market performance. I’ve made decent profits with coreweave puts and SQQQ calls. I haven’t touched my longer term portfolio that I put money from selling a company into a bunch of broadly diversified Dimensional ETFs, or my 401k rollover IRA, which is in a bunch of annuities that track the Russell 2000 and SPY with downside protection.

1-Dollar-Doge-Coins

You’re making a separate point. Yes, VXUS is outperforming VTI this year, that is true. But that doesn’t mean US investors have only experienced 5% growth due to the devaluation of the dollar. Those are two separate arguments.

solemnlowfiver

Actually it does. One of your colleagues posted VXUS vs VTI returns: https://www.reddit.com/r/StockMarket/s/OHG3sQod8a We’ve had historic outflows. This year is off Biden’s pace. People are mad because the choppiness almost never serves retail. HFTs etc. are those that make out like bandits. We’re also not on track for the major index Biden gains of the bottom of 2022 - 2024.

Independent-Cow-4070

VTI and VXUS Or just VT

weedmylips1

I zoomed out a year. VTI vs VXUS [https://i.imgur.com/i1BEZiN.png](https://i.imgur.com/i1BEZiN.png)

Poundcake2RedVelvet

VXUS is going to dominate the next 5 years and VOO and tech bros are gonna look like chuds

flobeysolo

VTSAX and ~20% in VTIAX. Those are the admiral versions; VTI and VXUS are their ETF versions.

Fit_Huckleberry3271

I don’t have “wealth,” but do use advisors. Paid for the 1% fee plus the fund fees and my account just rather steady for past few years. So speaking with new Vanguard; I meet threshold for personal advisor select-which means a pleasant guy…anyway, it’s too intimidating to do on my own, yet very difficult to find a super sharp professional. My girlfriend’s mother, age 82 took advice of a Prudential guy quite a few years ago- been in S&P and has far exceeded my returns. Below suggested allocation- Vanguard large cap 25% VTI Mid/small cap 11% VTI International stock 24%. VXUS U.S. short term bond-11%BND U S intermediate bond 11% BND US Long term bond 6% BND International bonds 12% BNDX This all quite similar to what I have at Morgan, I assume, though the fees would be much better. Thank you in advance. Age 62. Income is @ $40,000 which includes survivor benefits, just fyi.

SprinklesMany2038

If the money is strictly for retirement. I would be 15% Growth, 15% Small cap, 30% s&p, 40% international. You can add bonds later in life. You can either pick etfs or mutual funds to get to these percentages or just go with VTSAX, VOO VT, VXUS. If you want to set it and forget it you can do a target retierment fund that has a glidepath with more bonds as you get closer.  We don't have your debt, income or if you own a home, married, kids and longevity. Also need your expenses and emergency fund amount.  (This information is for entertainment purposes only, see a qualified fee only advisor for more specific advise) Watch for fund expenses and fees as well. Look for funds that have less than a .30 % expense ratio, go with passive vs actively managed too. 

FDan1212

70% VTI - 20% VXUS - 10% VUG Without a time horizon, I think your answers are going to vary greatly

sidslidkid

Boring I know, but I’m going heavy in VTI, VXUS and VYM until day trading gets back to easy mode. I’m slowly turning into my dad.

Spirited_Suspect2908

Ill admit I got lucky with timing but I swapped half my money in VXUS (world market excluding US) international funds and the rest in bonds and I'm still beating the us market year to date.  This may end up being a mistake but so far divesting from the US has not been. 

LoudSociety6731

Why isn't my VXUS going up like these????

SerialOptimists

Yeah it's a pretty common woah moment lol. It's important for people to realise that there are incredibly intelligent people who have spent literal hundreds of thousands of hours researching how to optimally allocate assets, and computers have spent combined billions of hours at least. If they are not doing VOO and chill, there is a reason for that. The essence of hedge funds is alpha, i.e. returns uncorrelated to the market. Sure I can dump my money into VOO and AMD and BTC and VXUS or whatever, but if nvidia and apple shitface tomorrow and big tech stagnates for the next year, you bet that my portfolio's gonna look like a yoyo. Funds with uncorrelated returns will be more likely to actually maintain those returns.

GameOfThrownaws

That's probably for the best. I've been doing something similar personally. Excessively concentrated into US indexes. I've just kind of been absent mindedly shoveling into VTI for years, after dumping an initial lump sum into it a while back. Earlier this year when Trump looked like he was going to be extra dangerous for US stocks (and to be fair he still has plenty time to do so, things might be just temporarily calm), instead of panicking and selling like a lot of reddit doomers, what that did to me was to snap me into awareness that I'm probably overexposed to US for no real reason. There's various research and math out there that indicates that you don't really gain much, if any, longterm expected return by focusing all your funds into US stocks versus all your funds into international stocks. That balance can ebb and flow over and particular period of time (even a decade or more), but overall, historically, they have performed similarly all said and done. Which means that an excessive focus on US is just injecting extra risk into your portfolio for no reason. It's not *much* risk, if your time horizon is long enough, because there's not really any reason to expect that US stocks aren't going to just go up and to the right eventually just like they always have, which is not necessarily the case for a lot of other individual countries. But still, it's some kind of non-zero risk, and the data indicates that you're getting essentially zero benefit for that extra risk. So you ought to just not take it, by diversifying into international. Vanguard itself is currently recommending I believe 20 or 30% into international. I'm nowhere near that personally but my regular investment of income is now getting routed into VXUS for the foreseeable future so that I can slowly chip away at that percentage.

Unavezmas1845

Ahh interesting! I have 100% vtsax, so I will put this into VXUS

GameOfThrownaws

It really depends on what you already own. If you've got a ton of VTSAX already and not much international, then dumping it into VXUS for diversity is a good idea.

GameOfThrownaws

Yeah that's a pretty dumb comment ngl. The YTD of VXUS is quite a lot better than VOO right now, but the "April tariff tantrum" is obviously not YTD. The return between April and today is right around +21% for both VOO and VXUS.

ConcentrateOk523

This is why I am selling my bond funds and buying more VTI and VXUS.

Unavezmas1845

Ahh I have 30k I was going to put into vtsax..should I just go for VXUS instead? For long term gains?

helpwithsong2024

Sure. I mean you have almost 2 years of cash which will smooth over any crazy bear markets coming our way. (Hopefully sitting in a high-yield savings account or a money-market fund). 100% equities is *probably* too much for me to handle when I retire, but there's absolutely nothing 'wrong' with it. Are your index funds (the British equivalent of) VOO, VXUS, VT, etc?

Nosemyfart

Yes I am, don't worry. I've been piling money into VTI + VXUS for about 15 years now

Emotional-Power-7242

S&P there are many equally good funds. VOO, SPLG, FXAIX, they will all have the same performance. Pick the one with the lowest expense ratio. Same goes for international index. VXUS, FZILX, FTIHX, whatever is low fee, passively managed, and includes everything. Value funds look into Avantis and Dimensional. Dimensional invented small cap indexing and Avantis was founded by former Dimensional managers and both use similar metrics and philosophies. For a deep dive into small/large value funds comparisons check out [this article](https://www.paulmerriman.com/best-in-class-etf-recommendations-2025) and the attached video.

DirectEcho5317

The three month and six month returns of VXUS and VOO are incredibly close. So what does spectacular mean?

Mojeaux18

The last two times the VXUS beat the SPY were 2017 and 2012 as well as 2022 (both were negative). So 4 years since 2011. Overall the spy outperformed the vxus by quite a bit. 🤷🏻‍♂️

Complex-Locksmith510

Thank you for the response I am just dumb I thought i would wait for it to go up a couple cents when it was 13.64 to 13.8 and I make a easy few grand right know down 12-14 k stopped checking but yea I hold QQQ VOO VXUS VXF the rest of my proflio I am just dumb when it comes to stocks.

LocalPapaya3372

sounds like you made the right call! I’ve heard VXUS has been doing surprisingly well lately

Many5010

Yup. VXUS > VTI

Handsome_Chewbacca

Time to rebalance my VTI/VXUS brokerage account.

bill_txs

Yes the bogglehead subreddit is allergic to taxable investments. Taxable isn't that bad if your investments are already tax efficient (VOO, VT, VXUS are for instance). You also want taxable if you want to do Roth conversions later. They step up in basis in inheritance. Also capital gains is already lower than income taxes. Having Trad IRA/Roth AND taxable gives you a lot of options when tax rates changes or you get hit with RMDs. One example of the conflict is things like 529 where you can end up overfunding them and it would have been better to use taxable. I do agree though that tax optimization may be the only true alpha you can get that isn't just luck, so it's worth optimizing. I don't even think maxing out all accounts is right for everyone. Flexibility has a huge value and there's no one answer for everyone.

Poundcake2RedVelvet

Tried to tell people in February VXUS is coming back with a vengeance but hardly anyone listened, good news is both international and EMs have a lot of room to run, they just have to execute

Mean_Spirit6019

Remember when I said people love to dick ride VXUS? Keep your 4.7% average return over 14 years.

Mean_Spirit6019

47% return in 14 years is laughable. No because I was 2 years old in 1990. VXUS top holdings are also laughable as best.

No_Driver_3303

DON’T buy VXUS. It’s shit, emerging markets are WAY better and will keep that momentum in next 3 years. Europe economically doesn’t have a good future like US. We have weak dollar, which literally skyrockets emerging markets. I like Brazil’s future -if lula doesn’t win the elections-

Mean_Spirit6019

People dick ride VXUS and ignore the fact that it’s achieved a 5% average return since inception. A tax advantaged muni bond or MMF set to reinvest would about be better

Zoriontsu

I went aggressively on VXUS after the April tariff tantrum and have continued to move out of VOO. The returns have been spectacular. The truth is, other than the few AI driving companies in the US, the trajectory has been mostly flat for most of the US equities.

StatisticalMan

I don't know about aversion to taxable. Prioritizing tax sheltered accounts is good for tax efficiency but if you buy and hold tax efficient assets in taxable the tax drag is minimal. Tax efficient assets would be broad market index ETFs (i.e. VTI/VXUS or equivalents). Avoid gold, reits, bond funds, actively managed funds, max yield bullshit, etc.

sirzoop

Don’t get me wrong I love VOO and QQQ and VXUS. It’s just that they yelled at me over and over again to ONLY invest into those. I should have invested more of my capital into individual stocks earlier. Not everything 100% stocks but like 20-25% would have been a better approach. They made it see like even investing 5% in individual stocks was a terrible idea!

TurnoverAdept6173

After years of aggressively saving and holding on to too much cash, we finally decided to take a leap of faith and lump sum just under 400K in the market in late June ‘25. We are currently up 62K on that investment right now which is mainly (VOO, QQQ, VTI, VXUS, VTWO, and NVIDIA). On top of that, I have over 350k company issued vested stocks that I don’t plan on touching and another 190K of money on the sidelines which we view as our emergency funds + additional investment money (as needed). What we need advice on is what to do with the 190k in cash? Do we try to time the market, wait for a correction and buy more (lump sum), DCA or invest in real estate? Combined base salary for my wife and I is 315K, 100k in vested RSUs (yearly depending on how employer stocks is doing) and 50K in bonus for a total of 465k / year. We live in Texas. We are very good with money and really want to be aggressive about building wealth through the stock market to make up for years of not investing (we are both 35). We would love advice on how you would strategize and target retirement in the next 15-20 years through investing in the market. In the last 2 years, we have both maxed out on the IRS limits for 401Ks and combined have 406K in our retirement accounts. We have 2 young boys (4&2) who attend daycare. We plan to enroll them in charter schools with hopes that they land academic or athletic scholarships for college, but if that doesn’t work we have set up custodial accounts for them. Debt: mortgage at 2.6% bought in 11/2021 and 250k combined in student loan debt. Let us know your thoughts.

_galaga_

Why not just go total world market at that point? Or a mix of VTI and VXUS to your desired mix?

joe4942

> What do you mean? 5yr: +33% for VXUS, +89% for VOO. Diversifying with international stocks long-term hasn't worked. In many cases, the drawdowns from international stocks exceeded US markets during bear markets like COVID and 2022, and are only now starting to recover.

Prudent-Corgi3793

What do you mean? VOO up +17% this year, VXUS up +30%. VOO down -0.26%, VXUS up +0.32% today. They’re going to be correlated but this correlation is going to decrease as long as the priority from this administration is deglobalization.

SpecialDesigner5571

You can select an ETF which doesn't blindly allocate into stocks based on market cap, like Schwab Fundamental Index FNDX. There is a whole family of "FN" covering US small to large cap, and international. You can invest overseas VXUS or VEU. Many things to do. People here will convince you that anything other than VOO is stupid. That's the most narrow minded point of view ever.

Sandyrandy54

I heard the average european portfolio is like 90% VXUS.

Emotional-Power-7242

If you invest in a global market cap weighted fund like VT then you do not need to separately invest in the US. The US is already in there and in fact it's like 65% of it. If you invest in a global fund that excludes the US like VXUS then you need to invest in the US separately. Ideally at a 65%/35% ratio to reflect the global market cap.

IntelligentSalad4510

Correction\*: you gambled for 4 years. If you want o start investing keep it boring. Whatever you choose for your equity %, the following: Aggressive investing: DCA into VOO 75% and 25% into VOOG. Average: DCA: 10% VXUS 15% VOOG 50% VOO 25% VTI Defense: DCA 10% VXUS 15% VOOG 50% VTI 25% VOO Or some variation of your own you're comfortable with. IT SHOULD BE BOOOORING

ServerTechie

I recommend S&P 500, paired with a foreign equity funds like FENI, FIVA, or IDMO; and FNDE for emerging market. Foreign equity has done well this year, and if you select the right fund it’s worth having, I do not subscribe to the notion of an all world or all foreign equity fund like VXUS, it lacks strategy. Foreign equity needs some process, methodology, and thought behind it.

Dankomycin

So we'll say about 20-25 years. You have time to be more aggressive. I personally would do something like 400 VOO, 300 QQQ, and 100 in VXUS.

amokacii

VT for whole world. VTI + VXUS if you want to break it into US and ex-US

sunnbeta

Personally I’m around 70/30 VTI/VXUS, and will effectively rebalance through where I add new purchases (so if VTI is outperforming, more of my additions will be put toward VXUS) 

soalso

I would also add some VXUS to have international exposure. Sure, the US has outperformed in the last/ current cycle, but we do not know the future and can diversify the geographical (uncompensated) risk by adding stocks from outside the US.

tomtim90

In a taxable, VT doesn’t get you the foreign tax credit like VXUS plus VTI/VOO can apparently.

leaning_on_a_wheel

I would 90/10 VOO/VXUS personally

subpar321

A good amount of retail on reddit/youtube has been bearish for the past 8 months. Doom and gloom sells. Make a video about investing in VTI/VXUS for 40 years and then retire is just not that exciting

Complex-Jello-2031

**The Managed Account – ouch** Dude, **1.34% management fee** is absolutely brutal. That's eating like $40k+ over time on a $100k portfolio. Over 30 years? You're talking hundreds of thousands in lost returns. Do the math: If that account grows to $500k, you're paying nearly $7k/year just in fees. For what? An 80/20 allocation you could replicate yourself with like 3 ETFs? **Here's what I'd do:** * Ditch the managed account and go DIY. You're clearly smart enough to handle this. * Build your own 80/20 with low-cost index funds (VTI, VXUS, BND, etc.) * Save that 1.34% and let it compound for YOU, not some advisor. **The Crypto Allocation:** 60% BTC, 35% ETH is solid. That 5% rotating is where people usually get rekt chasing pumps, so just be careful you're not falling into meme coin traps. Stick to fundamentals. **Bottom Line:** You're doing better than 99% of 25-year-olds, but you've got some optimization to do. Kill that managed account fee, tighten up your ROTH strategy with a clear thesis, and keep stacking. You're on track to hit financial freedom way earlier than most. What's your actual goal here? Retire at 40? Build passive income? That'll help me give you more specific advice.

shellbackpacific

I went from almost entirely US Total Market (VTI) to 60% US total market, 5% Emerging Small cap value (AVDV), 10% gold (GLDM) and silver (SLV), 17.5% US small cap value (AVUV) and the remaining a few international picks (IEUR, VXUS, EWG, EWU)

ConcentrateOk523

Not one analyst on CNBC says we are in a bubble. Ives and Lee say up 8-10 percent before end of year. Stay with VTI and VXUS.

Misfit_80

It's overcomplicated in my opinion. You could simply buy VTI and cover the entire US market. Add VXUS or VEA for foreign exposure, and focus on adding, rather than babysitting. 80% VTI with 20% VEA will likely match or outperform the proposed portfolio indefinitely.

Ecstatic_Wheelbarrow

Are you trying to buy every listed stock in the world or something? VTI and VXUS is an easier way to have exposure to just about everything.

Present-Comment3456

VXUS. International stocks fund. Maybe 50:50 between S&P and VXUS.  Even if the US is cooked, the world will likely still progress as a whole. 

FudFomo

I moved 7 figures from our 401k into an IRA in 2022 in a bear market and averaged in over a couple of years and I might have come out ahead but not by much. Another $100k moved in 2023 and averaged in but should have lump sum, but this is all hindsight. You are correct to be concerned about tech but you probably will be ok with having a year’s worth of expenses in cash and lump sum the rest in a balanced portfolio of VT/VXUS and BND. I am in tech and at your age I was probably too conservative and should had more stocks but still did ok because it was coming after the GFC. That was a black swan and you unlikely to experience that and have time to recover from any downturns. As some have pointed out, we are in an inflationary environment and hard assets will go up. Don’t try to time the market, just ask yourself how much downside you can stomach and invest accordingly. But stay invested.

TestingLifeThrow1z

I've picked many winners in the past when it comes to individual holdings but failed to hold them. I decided to have a stock trading account that I'll "forget" about and wanted to hear opinions on my possible long term holds. This represents 5% of my portfolio and I have a VOO/VXUS portfolio and emergency funds already. Stock Trading Account Holdings (5%): Large cap: META, MSFT, AMZN, GOOG, BRK-B, Hardware/Software Application: DELL, ANET, CRM, NOW, RDDT, Semiconductors: ASML. Are these okay holds?

alanwazoo

I like his suggestion to consider international markets - I'm moving a percentage into VXUS. I'm retired so there's no 20-year horizon to wait for the rebound. Your mileage may vary.

tmrch

Target %: VOO: 40 % VXUS: 20 % Stocks: 15% SCHD: 10 % AVUV: 10 % VNQ: 5 % Any feedback?

yottabit42

Only 12%? Geez. This is why people say purchasing individual stocks is just gambling without the free drinks. The US market is up 13.9% YTD, and the international market is up 25.9% YTD. Now that you've sold your positions, consider just investing in 100% VT for maximum global stock diversification with a very low expense ratio. (Or 60-65% VTI + 35-40% VXUS in a taxable account, equivalent to VT but you can claim the foreign tax credit on your taxes.) No one knows the future, but diversification really helps. Your cash will make around 4% currently, and that will dramatically underperform the market in the long-run.

KosPlayOne

I did this for my nieces. I also looked into various accounts I could use for them, but I also want full control until I see fit to gift it to them. Fidelity advised me to open a regular brokerage account and transfer it to them when they are ready to recieve it. From what i've been told, it's pretty easy to do. I started it this year and invested $100 in VOO for each of them. Next year i'm adding another $100 each in VXUS.

AYamHah

3-6 month emergency fund in a high yield savings or money market Everything else in a Vanguard brokerage account in VTI or maybe a 70% VTI 30% VXUS split. Then forget about it other than putting any extra money into the account as well, and buying more shares.

RuchNZ

Would pop half of it into a world diversified etf now, that's what I did with some of my profit trimming. VTI/VXUS.

Sperlonga

70% VTI and 30% VXUS if long term (10+ year). However the markets are a bit strange right now so it wouldn’t be abnormal to put however much % you want into SGOV or IGOV or TBIL (nearly risk free).

Bro_Moksha

VTI VXUS and don’t look back. You’re 25 you are fine. Market is rigged. Don’t try and beat it. Save as much as you can and let time / compound interest work https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3998202

Overall-Rush-8853

Domestically, a dollar is a dollar regardless of its valuation against say the Euro. S&P is still up 13%. It impacts foreign investors more. However, if you are investing in something like VXUS and the Euro strengthens against the dollar you get gain from the ETF and the currency conversion. Hopefully I didn’t butcher that too much.

Initial_Savings3034

I had to look up TSP, that should tell you how little I know about investing. I would say the **I fund** should be at part of your portfolio. https://www.tsp.gov/funds-individual/ I keep 40% in VTV, 20% in VXUS (similar to the I fund) and 30% VBLTX. The remainder is older Bond shares that I just let ride. Like you, I'm concerned about overvalued stocks and volatility. I highly recommend Jack Bogle's seminal treatise, it simplified my plan. https://www.thegoodlifejourney.com/home/common-sense-investing-jack-bogle

floatingostrichs

Ya, stop buying individual stocks and start buying VOO and VXUS or VT. You don’t know as much as you think, and you are far more likely to do worse for the rest of your life compared to any other of your brain dead friends that chose to blindly DCA into indexes

Cracked_Tendies

Exactly. We could go on to see another decade of 10% real returns from the SP500. Unlikely, but still possible. What's way more likely now tho is that VXUS greatly outperforms with projected 5-6% real returns over the next decade vs 1-2% real for SP500

ricdota

I’m fairly new to investing, started about 6 months ago. I’m 30, with a low-to-medium risk appetite, and looking to invest with a 15–20 year horizon in mind. After that, I plan to shift to a lower-risk profile as I approach my target retirement age. For context, I’m not based in US. I’ve invested around USD 10k so far, and plan to contribute about USD 1k monthly. My current portfolio allocation is: VOO: 30% QQQM: 20% VXUS: 20% SCHD: 10% DBS/D05: 10% BND: 5% GLDM: 5% I’m wondering if this setup is too safe as I don't have any high volatility or small cap stock? It's mostly large cap ETF and some dividend stocks. I have also received feedback that my portfolio is too risky as my 5% bond allocation and 5% gold will not save me if the AI bubble bursts. I’d love to hear your thoughts or suggestions for improvement. I'm happy to share more details behind my choices if you’re curious!

Historical_Low4458

I agree with them. I would sell some of it and add international like VXUS.

robdenbleyker

VXUS is only international. VT would be the total global market ETF to use. It comprises every traded company on earth, and automatically rebalances between market caps and between the US ex-US markets as time goes on.

One-Teach4106

Like VXUS?

ricdota

I’m fairly new to investing, started about 6 months ago. I’m 30, with a low-to-medium risk appetite, and looking to invest with a 15–20 year horizon in mind. After that, I plan to shift to a lower-risk profile as I approach my target retirement age. For context, I’m not based in US. I’ve invested around USD 10k so far, and plan to contribute about USD 1k monthly. My current portfolio allocation is: VOO: 30% QQQM: 20% VXUS: 20% SCHD: 10% DBS/D05: 10% BND: 5% GLDM: 5% I’m wondering if this setup is too safe as I don't have any high volatility or small cap stock? It's mostly large cap ETF and some dividend stocks. I have also received feedback that my portfolio is too risky as my 5% bond allocation and 5% gold will not save me if the AI bubble bursts. I’d love to hear your thoughts or suggestions for improvement. I'm happy to share more details behind my choices if you’re curious!

FudFomo

You’re fine, just expect some volatility and think about getting some international exposure like VXUS.

Newtothisredditbiz

A quick look at Google finance shows VXUS was $49.33 on Jan. 28, 2011. It’s $74.06 now, for a 50.03% gain. $49.33 in 2011 dollars is equivalent to $71.23 in 2025. Congratulations, you’ve made *a total* of $2.83 or 3.8% since inception, once you’ve accounted for inflation.

I_work_too_much

Already got a butt load of VOO and some VXUS in the "I actually want to retire someday" port, I'm looking for some stuff I can get into cheaply soon that will double over the next 6-12 months. Sat on the sidelines for some stuff folks told me would rip earlier this year (IREN comes to mind) and regretting it.

HobbitFeet_23

And you would have had a lot more if you had put it all in QQQ, even better if you had put it all in SMH, even better if you had put it all in NVDA and still even better if you had just hold BTC, but that doesn’t mean that putting it all in either of those would have been a good (ex ante) decision. My point is that it’s arbitrary to blame diversification and stop at the difference between VXUS and VTI (or VOO or whatever US fund you hold). Even within VTI, it’s not like all 3500 stocks did better than VXUS. It was a really small percentage of stocks that had a massive outperformance and carried everything else. Why, instead of just criticizing VXUS, don’t you also criticize the 3300 (or whatever number that is still pretty large) stocks within VTI that didn’t have a comparable performance to the few that did really good. Only when you know what already happened can you (unjustifiably) beat yourself up for having a diversified portfolio. You don’t know what’s going to happen in the future and, just in recent history, the 1990s, 2000s and the 2010s show that it’s usually not the best idea to invest in what did best during the last 10 years. By diversifying you made the right choice, because even if you didn’t have the best outcome possible, you assured that you did good enough to achieve your financial goals. Of course, if you diversify you’re going to do worse than whomever does best, but you also do a lot better than whomever does worst. You’re not or should not be in the get as rich as possible game. You’re or should be in the assure that I get enough to fund my spending goals game. Please stop your FOMO from making good decisions, because you don’t know what’s going to happen in the future.

RockChalk80

No it's not? VXUS started 1/26/2011 and it's up 131% since.

r2k-in-the-vortex

US companies are massively overperforming in valuation. But they are massively underperforming in earnings. PE for VXUS is 17, s&p500 is 30. Last decade of investing in US has been a high gains, high risks gamble. During a bull run such gambles pay off wonderfully, but you better have an exit strategy. You can bet likes of Buffet do have an exit stratey if things are about to go to shit. But you will hear about it only long after the fact

No_Cell6708

VXUS is up 45% in 15 years..

RockChalk80

VXUS has been out performing VTI all year.

milkplantation

There is a lot of misunderstanding to address in your post. **First**, VXUS is hardly comprised of shitty companies. In fact, it's the opposite. [You can see for yourself](https://www.marketwatch.com/investing/fund/vxus/holdings): TSMC, Alibaba, ASML, Samsung, HSBC, Shell, Toyota, Novo, Sony, Mistubishi, Shopify, Siemens, Unilever, LMVH **Second**, innovation has been a recipe for success for the United States market but make no mistake, it's hardly the only recipe for success for a business or investor. Many of the most successful American companies are stable compound earners who just do a couple of things very well: Berkshire Hathaway, Amex, Coca Cola, etc. If you look deeper, China is actually incredibly innovative and will lead the green energy transition. So you have exposure to that market, and you have exposure to a market like Japan that isn't as innovative, but is renowned for quality and craftsmanship. **Third** that Buffet quote is one of the most misunderstood quotes on Reddit. We’re different than his wife. Buffett's advice to his wife to use an S&P 500 fund is a risk-mitigation strategy, not a vote against VXUS (or even Berkshire). He prioritizes her security and simplicity over maximizing returns because she will not be able to actively monitor the company's new management after his death and she lives in the United States so a home country tilt makes a lot of sense. His own actions of keeping his entire fortune in Berkshire stock [and Berkshire investing heavily in Japan ](https://www.cnbc.com/2025/10/11/berkshires-japanese-stock-positions-top-30-billion.html)should make it clear that they expect other markets to outperform the US in the near term. **Fourth**, US equities vs International [are cyclical](https://www.hartfordfunds.com/practice-management/client-conversations/investing-for-growth/us-and-international-markets-have-moved-in-cycles.html). It's been a historic run for the US but many analysts from renowned firms like [JP Morgan](https://am.jpmorgan.com/us/en/asset-management/adv/insights/market-insights/guide-to-the-markets/portfolio-discussions-international-equities/), Morgan Stanley, and [Goldman Sachs](https://www.goldmansachs.com/insights/articles/emerging-markets-stocks-and-currencies-are-forecast-to-rally) suggest International markets will outperform the US over the next decade. It's fine if Americans want to believe in American exceptionalism lasting forever, but there's a reason so many international markets are drastically outperforming the US this year and it's because smart money is hedging on the next decade.

OddBottle8064

VXUS has vastly lower valuation than VTI, which historically resulted in superior future returns.

Gildenstern45

You know, I'd really like to wholeheartedly agree with you. The problem is I've made a pisspot full of money off of VXUS this year. Sorry

B00marangTrotter

My index fund VT is 1.23% Tesla, and I'm hedging that with VXUS. I absolutely hate that I have money in Tesla, I fucking cancel rides on Lyft and Uber if they're fucking Tesla. They suck. The ride is so bad it's like winning tickets to the world cup and your seat is inside the fucking soccer ball ⚽. I want nothing but pain and misery for musk, he's a fucking Bond villain.

rice_not_wheat

Instead of taking your advice from random internet people, OP, you should really just read the prospectus yourself. Part of the reason I like VXUS is that is has companies that I like. [It's not like it's a secret](https://investor.vanguard.com/investment-products/etfs/profile/vxus#portfolio-composition)

mmspider

I would do 20% VXUS 80% VTI. So its not like I would go all in. I just believe we are moving to a world that will see international doing better than before.