VXUS
Vanguard Total International Stock Index Fund ETF Shares
Mentions (24Hr)
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I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
Advice for a 27 year old trying to leave the nest?????
Limited International Fund Options in Employer’s 401K Plan?
Thinking about a higher growth portfolio for the new year.
Is there an index that concentrates on only the top 50 or so biggest companies / growers? (QQQ only focus on tech - I want the same but with all industries)
Trying to tilt for value/small cap, am I doing it right?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Which ETF is better to invest into the S&P500, USF or VOO.
Should I cut bait on some of these stocks in my portfolio?
What to allocate to a traditional IRA vs. keep in taxable account?
A bit confused about how taxes work for personal investment account
First time maxing out Roth contribution. Give me a super basic, set it and forget it, distribution
19, are automatic payment of $30nzd per week into these stocks good?
Am I missing something? What is the benefit of international diversification when ETFs like VXUS significantly underperform ETFs like VOO? Diversification just for the sake of diversification?
Beginning Automatic Investing: Need direction
Swapping my 401k from a target date fund to FXAIX
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Seeking advice on investing in Discounted Contributions Plan (DCP)
How to replicate VEU or equivalent Global ex. US ETF sold in the UK?
I have a mental issue when benchmarking my portfolio - looking for advice.
What would be the most tax efficient way distributing my savings?
What would be the most tax efficient way distributing my savings?
What would be the most tax efficient way distributing my savings?
Portfolio Review and Strategy in Times of Uncertainty - Seeking Advice
Consolidating Portfolio - VOO vs VTI + Tax Loss Harvesting
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Does Fidelity only allow fractional share buys during market hours?
Selling Stocks vs Exchanging Foreign Currency Visiting Home Country
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
How can I get good exposure to ex-US markets without unqualified dividends?
What ETF should I invest in in my Taxable brokerage
Not sure if missing something with plan to transfer to Robinhood.
What is the best international equity ETF to invest in besides VXUS?
Are my portfolios any good? 96% equities / 4% real estate
What is a good aggressive 3 fund portfolio allocation?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Used portfolio visualized and am stumped…am I totally off?
Just started investing for real, is this a reasonable mix?
Concentrating bonds in a traditional IRA and stocks in a Roth IRA?
Deciding to start my investing journey. 50% in QQQM and 50% in VXUS
Finally settled on an investment plan, wanted to see if it sounds good or not
Back in June, a concern about the nascent stock rally was the limited breadth. That is finally changing: across sectors and regions.
Mentions
I mostly VTSAX and chilled. I wish I had completely VTSAX (and VXUS) and chilled.
For this reason I will only invest in VXUS until US leadership says "Tariffs are jkjk FOR REAL this time guys" I'm guessing I'll be about 4 years
Not shorting anything (I'm a buy and hold, long term investor) but shifting heavily towards VXUS. Business occurs where there is stability, rule of law, Countries around the world are making trade deals with each other right now to cut us out of the loop. It is unwise to do business in a region run by a megalomaniac who changes policies every day, backs out of agreements he previously endorsed, and (in three cases) threatens to take over your country by force. This is why Germany's stock market is up +27%, and Hong Kong is up +16%, while the US is down YTD. They are going to be picking up pieces of the trade that we are shutting ourselves out of. The port of Seattle reported that there are NO container ships there today. None. When the empty shelves hit, it's gonna be ugly.
So glad I only play with 10% of my portfolio on this shit, biggest move on the long term front was moving a lot of my VTI over to VXUS. We're cooked long term from all of this.
Looking for advice on an IRA I inherited from my mom's passing. It's a mix of stocks and cash and I'm wondering if I should just sell all of the stocks now and use that to diversify into a few ETFs given the market climate. At a high level: \- My portion that I just received is currently sitting at about 550k (385k stocks / 165k cash) \- The stocks are mostly tech and finance (NVDA, AAPL, AMZN, GOOGL and MS, COF, PRU, BK) I'm not loving the idea of being invested directly in individual stocks even though the account has done well over time; not very optimistic about the next few months in the markets. That being said my initial thoughts were to sell all the stocks now, and then use the funds to purchase VTI and VXUS. If I decide to do this, what would you say is a reasonable time range to cost average into the two etfs? Should I buy some each week over the next year until all of the funds are in the two etfs? Go longer or shorter? I don't want to wait too long to get the money in but again, being cautious about the next few months makes me think it would be worth it to do it over at least the year. One last bit of info, I can only really take the money out of the IRA over the last 2-3 years of the required 10 year withdrawal period due to tax concerns, that being even a small withdrawal would more than likely put me in the 37% tax bracket, so I plan to take the funds out when I am no longer working in year 8/9/10, not sure if that impacts any suggestion on strategy. Thanks for the opinions in advance!
Looking for advice on an IRA I inherited from my mom's passing. It's a mix of stocks and cash and I'm wondering if I should just sell all of the stocks now and use that to diversify into a few ETFs given the market climate. At a high level: \- My portion that I just received is currently sitting at about 550k (385k stocks / 165k cash) \- The stocks are mostly tech and finance (NVDA, AAPL, AMZN, GOOGL and MS, COF, PRU, BK) I'm not loving the idea of being invested directly in individual stocks even though the account has done well over time; not very optimistic about the next few months in the markets. That being said my initial thoughts were to sell all the stocks now, and then use the funds to purchase VTI and VXUS. If I decide to do this, what would you say is a reasonable time range to cost average into the two etfs? Should I buy some each week over the next year until all of the funds are in the two etfs? Go longer or shorter? I don't want to wait too long to get the money in but again, being cautious about the next few months makes me think it would be worth it to do it over at least the year. One last bit of info, I can only really take the money out of the IRA over the last 2-3 years of the required 10 year withdrawal period due to tax concerns, that being even a small withdrawal would more than likely put me in the 37% tax bracket, so I plan to take the funds out when I am no longer working in year 8/9/10, not sure if that impacts any suggestion on strategy. Thanks for the opinions in advance!
Have you looked into the Boglehead approach? Total market ETFs. VT or VTI and VXUS.
1. Putting money into short term tbills. 2. Not putting more money into our brokerage accounts. Only rebalancing (selling small caps, some tech) and moving into more international funds (like VGK, VXUS). Retirement accounts not making changes except about 15% more into international. 3. We already live well below our means (we could each buy new cars in cash, move into a way nicer and bigger apartment), so we cutting expenses won't be a significant change. Maybe we skip a dinner or event once a month? 4. Making sure we are in good health by exercising, doing our doctor and dentist visits and eating healthy 80% of the time. 5. Maintaining our Honda and Toyota to make sure they continue to run for another 10 years (they are already 10 years old+) 6. Me personally, I'm working on my technical skills with online classes just in case I need to look for a new job. Doesn't help with inflation directly though. Brushing up my resume and keeping an eye open for new positions if they seem like a better industry (my company does manufacturing overseas).
Invest. If you look at history this is hardly the first major crisis to occur. If you're scared about the US, do VT for a simple global market cap weighted index (it's VTI and VXUS combined). You've got 40 years. You'll be fine.
LOTS of people on this sub have direct and/or indirect exposure to large cap Chinese stocks, hold VXUS or FXI, or understand the importance of diplomacy to the markets. Moreover, your own replies are not introducing analysis, and are instead talking about your feelings about what others are talking about. Write the content you want to see. Contribute positively.
Not at the income level yet to be able to do this, but am going to be in the near future. My plan is just to put the extra into VTI and VXUS, and slowly increase % allocation of bonds each year. I also recently opened a "fun account" where I'm planning to trade individual stocks. The rule I've set for this account is my contributions (not account value) to this account will never exceed 1% of my total portfolio. So far I just buy and sell random stocks in this account, not based on any logic or strategy. Just to have a little fun on the side during the process.
The best thing you can do it to increase your diversification. VOO is large caps 1 country, which isn't diversified, even if it is the US. Buy VT or VXUS - this will deliver you more reliable benefit than permanently trying to time the market. Don't forget that in price chasing, you are up against massive wall st (and london, and paris and shanghai) firms with endless resources and armies of PhDs. It's not a game you can win.
US vs. international weighting looks good. But why are you excluding US small/mid caps? I'd probably look into a combination of VTI (which is basically VOO + mid/small caps) and VXUS (which includes mid/small caps + emerging markets). Here's a breakdown of your idea: [https://insightfol.io/en/portfolios/report/930981fa48/](https://insightfol.io/en/portfolios/report/930981fa48/)
Leftover money from my paycheck is going into short term tbills (Am I the only one still buying tbills?) and SPAXX for my emergency fund and my wedding fund lol. In my brokerage account I'm not adding to it and selling some tax lots that are losers and rebalancing it to international funds like VGK or VXUS or moving it to tbills. I'm really considering selling most of my brokerage account and sitting on the gains since the ultimate goal was to buy a condo. As for my 401k and Roth, I haven't changed the contributions but I am putting more towards international stocks and maybe more alternatives. SPECULATION: Shit is going get so violable with this clown in office that I think that many people will be foreclosed or short sell or sell off their house and many buyers who were in the market, might hesitate bring housing prices down. I also think there will be less competition from foreign buyers looking to buy property in the US. Cause you know, we don't like foreigners apparently and probably same with foreign investors. So might be so crazy and depressing that it might be a good time if you are a buyer.
Let's say she buys $10,000 worth of stocks over the next 2 years. On the 3rd year, in 2028, she breaks her foot and needs cash for sugary because we live in America, or she loses her job because of bad economy and can't find a job for several months. **What would she do?** Would she sell the stocks to get cash to cover the rent and surgery? What if misfortune strikes while the stock market is down and her $10,000 stock is only worth $6,000 at that moment? She would lose $4,000, right? What if she had more and therefore lost more? To avoid this loss, she needs to have an emergency fund before she starts buying stocks. This fund should cover ***at least*** six months of expenses (rent, food, Netflix, etc.) and it should not be invested in the stock market. She can keep this fund in a high yield savings account to earn a small interest in it. Once this fund is ready, all future paycheck savings could be invested in the stock market. She could schedule the brokerage account to buy ETFs every week. For example, $80 VTI and $20 VXUS, for diversification. If in the event she uses her emergency fund, pause the automatic stock purchases and redirect future paycheck savings into the emergency fund until it's replenished again. This fund is necessary to prevent losses. **To win this game you must:** - not lose (hence the emergency fund) - be patient (ignore market drops, don't withdraw until retirement) P.S. I have a bad feeling about QQQ. Do not be greedy, the VTI should give nice returns.
Bad. You’re putting all of your risk on ex-US stocks. And I’m assuming you’re asking this cause of recent market trends, which would also make that choice bad due to trying to time the market. I would do VTI+VXUS so you get world coverage.
I’m mostly VOO and SPY. I also own XLK (tech). I’d been out of international for a while but have been buying VXUS recently. I also have some FCNTX. It’s a mutual fund but typically performs well.
This is a fair question. My tax-deferred accounts are mostly VXUS and BNDX with a little IAU.
This is a better version to your allocations: **VOO = 45%** **AVUV = 15%* **VXUS = 25%** **AVDV = 15%**
There's a lot of bad information on Reddit. Growth does not mean stocks "grow" more and have higher returns. In fact, historically growth lags value in performance. Also, dividends are not free money. It's simply taken out of the value of the stock when the dividend is paid to shareholders. This is useful when you get older and rely on investment income so you don't have to sell stocks yourself and help avoid making emotional decisions. Stick to broad market index funds like VTI and VXUS. The less risk tolerance you have, the larger your BND position should be. Bonds are useful at any age to reduce volatility and likelihood of acting emotionally which is the biggest risk to returns. A target date fund for your age would include about 10% bond allocation which would be considered aggressive.
I'd recommend VTI and VXUS. That's more diversified than VOO, QQQM and VXUS, especially if you think large cap is overvalued. You can't do anything about market valuations and the market is better at valuation than you are.
I know it seems like a lot now, but in the grand scheme of things, $9k is nothing. By the time you’re 25, you will forget this ever happened. I would suggest not investing unless you’re investing into VOO, VT, VTI, or VXUS. Please don’t even think of doing options again. Focus on other aspects of your life like your education. Not doing well in school or taking an extra year in college will cost you a lot more than 9k in the long run, so will divorce, housing repairs/issues, get emergencies, medical emergencies, etc. I can promise you, that you will loose a lot more than this throughout your life. You will be fine, take it easy on yourself king. You’re 19 years old and have your whole life ahead of you. Just focus on your education and getting the best grades you can. Don’t let anyone tell you grades don’t matter, because they do. Get internships and do your best.
VXUS is quietly a dollar short of ATHs. IF China and EU can reach a big trade deal, that could become more than just a sideshow.
0.17% expense ratio for an international fund in 2000-2010 is *very* good. It’s disingenuous to call it “thrice as high”. And that fund has been closed to new investors for years, everyone now gets the admiral shares for 9 bp or VXUS for 5
Goldman Sachs predicted a lost decade in US Stocks, so get yourself some more VXUS to hedge against 🍊
Emerging markets did particularly well, such as VEIEX at 9.82% per year. VGTSX, which exists today as VTIAX and VXUS, had an annual return of 2.7% per year. Even VWIGX, the longtime vanguard international growth fund, did 1.38% per year.
I would consider bonds and commodities a facet of diversification too. I mostly follow the three fund approach at 80/20 in bonds (VTI, VXUS, BND). When I it 50 I will shift to a 60/40 probably and stay there, and start adding muni bonds for better income in retirement.
I had to check back because I was certain of it and it's true: VXUS didn't exist until 2011. This is what I mean! I may be old but I am not *that* old yet! You don't need to test my memory.
Yes international funds were dragged down but were still positive. That's the point I'm making, that the "lost decade" wasn't lost if you had a global portfolio via VXUS or whatever
For nearly 2 decades VXUS has returned an abysmal 30% with some serious declines sprinkled in. The US is still the global powerhouse of industry and no country prioritizes business the way the US does, so no, not ridiculous to think that imo. But also my post include VXUS.
If you invested in VOO during the same period, you'd still be way ahead I'm guessing. Former VXUS owner, dumped it last year with no regrets. International has gone mostly sideways since inception.
$1,500 a month —> $1,000 per year in savings?? Was that a typo? No reason not to just keep investing the same as you would with your 401k. You don’t need commodities like gold/silver. Stick with an agnostic broad market fund like VT or VTI/VXUS as long as you build an emergency fund and pay off high interest debt first
You're so right, lol. Yes, I am pretty much just VOO/VXUS with some Avantis funds. Okay honestly I am happy to get checked by you guys.
I invest a set amount, like $500. It used to be $400 VOO and $100 VXUS. Now I still invest the same amount it's just $250 each.
Not interested in opinions/covered call ETFs. I like SCHF, SCHY and SCHE instead of VXUS, lower fees and I can allocate the way I want to emerging markets, etc.
>is there no limit [to diversification] beyond which it hurts the returns without providing significant benefits? As Warren Buffett once said, diversification is insurance against ignorance. You diversify because you don't know (or care to know) what it is you're buying. If you don't know what you're buying, you just buy everything so you can just enjoy the gains and losses that everyone else will also enjoy. If you know (or think you know) what you're buying, you should *not* diversify as much. If you think VXUS holds too much garbage stocks compared to DBEF then get DBEF. Simple as that.
The future is VXUS/BTC. Get in before it’s too late
International will moon. If you aren’t a regard put all your money in VXUS/VEA
60% VTI, 20% VXUS, 20% FTEC The companies held in those funds are well diversified and almost certainly will be the ones in the future to reap the benefits of tech innovation. They will either be the ones to innovate or they will buy the companies that do. VTI is a broad market U.S. fund, VXUS is a broad market non-U.S. fund, and FTEC is a tech sector focused fund, but even VTI and VXUS have an outsider portion of their holdings in tech already, which is why I only recommended 20% in FTEC. This allocation remains reasonable while meeting your goal of a strongly tech tilted strategy.
I got some VXUS. Sold calls on it last week for 5/16 because I just couldn’t leave well enough alone grumble grumble.
Maybe the bogleheads are on to something about VXUS
VXUS up over 10% YTD while SPY is still in the red. Do people realize that international was only shitty in the past decade because of the massive USD bull run? 🥭is on a mission to destroy the USD and I've never seen anybody here consider investing in foreign stocks.
I would sell in January, which I did, and move to 40% international (VEA or VXUS), 30% bonds/cash, 30% S&P 500, or in the case of one of my portfolios, Invesco S&P 500 Quality ETF (SPHQ). If I held a high-conviction individual stock, which I do, then I would use covered strangles throughout the bear market to get as much premium as I can and potentially accumulate more on that position to help amplify the recovery. Once the 50-day EMA crosses above the 200-day for the sectors that tend to recover the fastest (e.g. tech, small-cap indexes), I would plow my 30% back into the market using TQQQ and then into IGM once I feel like getting off that ride… Then I just hold my 60% domestic / 40% international, 100% equities portfolio until the next time we decide to economically self-harm. That’s my plan, we’ll see how it goes. It’s working great so far. Good luck!
All of them are ETFs which are basically collections of a bunch of different stocks and in this case VTI tracks the US market, VOO tracks the S&P500, and VXUS tracks international markets. That's kind of all you need to know. In my opinion VTI+VOO is indeed redundant. Also I'm pretty sure this guy is talking about buying individual stocks like going all in on Tesla or Google for example. Maxing the Roth before the next year is nice but they give you until April to contribute to the current year.
Okay so I initially invested $300 into VTI and then I was immediately seeing all kings of posts about VOO so I decided to go ahead and invest in it as well and then determine which I would make my main investment. I do notice that VOO is basically part of VTI making owning both a little redundant maybe? I’ve not research VXUS, I’ll have to look into it. I still really don’t even know what I’m looking at when looking at stocks and all the numbers with them lol
I would suggest VTI and VXUS instead of VOO. VTI is an ETF which tracks the entire US stock market, which also includes all of VOO giving you less diversity. VXUS covers international markets which lets you cover the rest of the world too.
I'd DCA into VOO and VXUS like I have been doing for 5 years
This is entertainment only. I follow Bogle Head so I always buy every Monday. I did shift more to VXUS though.
wtf? tell your loser parents to pound sand. you owe them nothing. invest that 15k yesterday in VTI/VXUS. you are behind.
No, and therein lies the issue because it seems like *nowhere* is safe, including the traditional safe haven of US bonds. Ironically, this may actually be a saving grace for the market because no one really has anything to flee too. Personally, I diversified a large part of my savings into foreign currency ETFs (and was already holding a small percentage of BTC and GLD anyway). Diversity is always good, but who knows how that will play out or if it's optimal. I pulled a bit out of VOO but not VXUS to leave in SPAXX for now, but obviously I didn't panic sell everything. Honestly, the best course of action is probably just DCA small amounts and keep it business as usual. It sucks and I don't like the blind contributions but what else can we really do? Again, I think the only *safe* bet is a high diversity of assets overall - meaning the things I had mentioned in addition to things like bonds, your mortgage/real estate, physical possessions/assets, etc. It's not sexy, it won't make you rich, and you won't have a ton of liquidity laying around to risk it on opportunities - but it's peace of mind that'll likely help you weather the worst of it.
Nope. I'm 80% VOO myself! And 20% VXUS.
1. Juat get rid of any stock under 3% of your portfolio. It's just noise. Keep FXAIX. 2. 59 isn't young anymore in the investing world. You really need to tailor your asset allocation. It's likely you'll need a hefty chunk in fixed income, probably like 30-35%. 3. I'd probably take the cash and do 30% BND, 50% FXAIX and 20% VXUS.
Same, I throw about 5% in the casino and the rest is in VTI and VXUS. Full port options is insane and a gambling addiction lmao
When did you get in IGOV? It closed at $42 which is almost 52 week high. For international would you recommend ACWX or VXUS?
If by "the market" you mean the US market, I'm reasonably confident we *will* see a 30% drop from the previous all-time high in the next couple years (maybe not a 30% drop from where we're currently at, though I wouldn't rule it out). As for what I'm doing, at least in my retirement accounts I'm holding a mix of about half foreign stocks (VXUS), about half foreign bonds (BNDX), and a little bit of gold (IAU). But that's my retirement accounts—I'm doing somewhat different things with money I might conceivably need in the next couple years. In particular, I've got even more bonds, including inflation-protected bonds. Note that while I want to protect myself against inflation risks, I personally would not *assume* we will definitely see 5-7% inflation. If I were assuming that I might go lighter on non-inflation-protected bonds. Also note that if you could *truly* see the future about a major stock index and nothing else, the obvious thing to do is buy put options on the index. But in real life that's far from riskless.
I sold my entire tech etf 2 weeks ago to protect its record gains under the Biden admin. Moved the whole fund to VXUS and international.
I sold about 33% of my domestic portfolio (25% of total portfolio) in early February. Parked it in a 6-month CD with no regrets, and I’m free to reevaluate in August +2.5%. I have also halted additional investments and storing in my 3.8% HYSA (minus some smaller contributions to VXUS as my international portfolio). I will deploy my HYSA money into the market if it were to drop another 10% below the March lows, and/or after I finish more aggressively paying off my low interest debt (~4%) I’m 25-30 years from retirement, for reference.
Bought some gold and already got out. Looking for re-entry when it hits support and US markets get heavy (flight to safety). Bought some Costco, looking for the gap to fill. Bought some VXUS, because it's not US. Looking to get out at targets, though.
"Seem to be panicking" "media are reporting communications" "seems to be taking the U.S. threat seriously" None of this is concrete. Until some deals are actually signed and/or tariffs are removed, this is speculation and noise. VXUS is up \~5.5% since Jan 20. SPY is down \~6.8%. That is a measurable metric. Global investors are far from panicking, US investors might not be panicking, but they are backing off on bets on the US. We just had 1 negative GDP print. Mostly due to front-running imports, but then ADP came out with a terrible jobs number of 62k. If the jobs report tomorrow also shows a slowdown, that's 3 real, concrete data points showing a negative impact that can't be easily undone. So what do we get out of all this? So far, we've gotten like, $10 Billion extra in tariff revenue? That's not going to pay for any tax cuts, that won't even pay for the income taxes we miss out on from the lost jobs, if that ADP number proves to be a canary in the coal mine. Maybe we get trade deals where other countries lower their tariffs on US products. Fine. Is that going to produce enough export demand to make up for all the countries forming trade blocs without the US? 200k jobs per month has been considered healthy for the US economy for a long time, and is about what we were doing before Jan 20. If we drop significantly below that number, what are we getting in return for those lost jobs? Is it worth it?
Not getting back in yet, and if I did, it'd be VT or VXUS. I've realized I prefer some semblance of sanity and sense in where I park my money, and there seems to be none of that at the moment. And I don't trust the current administration one bit and I'm not in any of the cool kids' Signal chat groups. Holding my SPY puts through 9/30, QQQ through 8/15.
I'm mostly in VXUS and BNDX with around 5% in IAU. Gold's low correlation with other asset classes is nice but you shouldn't overdo it. VOO, on the other hand... the drop from ATH is nothing by recession standards, meanwhile China tariffs have been on too long for the damage to be undone even if they were fully lifted tomorrow (because moving goods around the globe takes time), and the real pain hasn't even hit yet (because moving goods around the globe takes time). So depending on how much gold you have, consider selling it and holding cash, buying bonds, buying international stocks... but no not VOO.
Sitting in cash seems like the worst of all options, especially with weakening dollars. I'd buy BND, Treasuries, gold, VXUS, list goes on (not that long)
I've always owned a little paper gold and recently bought more despite the fact that it's at an ATH. I also own a little bitcoin and a commodities fund. I also recently opened a hedging put option to sell SPY at $505 by EO2025. I did this despite owning the S&P500 which is a little crazy but I'm trying to dampen the blow and consider it "insurance". I'm supposed to be in a \~60/35/5 (stocks/bonds/commodities) allocation and I've pushed it to a 49/39/12 (with a focus on VXUS, IGOV, etc...) which is about as much screwing around as I have the appetite for. At the end of the day, I would love to be a Bogler but I can't resist tweaking things here and there. Especially when, IMHO, it's pretty clear what's on the horizon. We'll see though.
Oh I'm buying shares... in VXUS and BNDX. (Just hedging my exposure to America.)
If you own VTI and VXUS , almost anything will be redundant as VTI and VXUS contains almost every stock
I have roth ira but I dont have an brokerage account. I'm not great at picking stocks but I also dont want it to be redundant to my roth portfolio. Roth majority consists of VTI, VUG, VXUS, BND. Down for the year (arent we all) but overall portfolio has an 8.8% return. Advice for choosing stocks for brokerage account? Stock advice for brokerage?
It's actually refreshing to see you asking ***before*** you buy, lol. So many people here ask for advice after they've invested thousands of dollars. Basic Guidelines for Starting: 1) Stick to mostly ETFs that track a broad market. 2) If you really want to buy some individual stocks, don't let them account for any more than 15% of your portfolio, and don't let any one holding be more than 5%. This should minimize downside risk. I'd say this is true for ETFs of speculative up-and-coming industries as well... (ETFs focused around Crypto/Flying Vehicles/Quantum Computing/Nuclear Energy, etc...) 3) Dividends aren't some magic bullet that will earn you more money. Growth and total price appreciation is the most important thing, especially if you are at least 10 years from retirement. If you aren't in a tax-advantaged account, then you will have to pay taxes on those dividends anyway, further reducing gains. 4) It is probably a good idea to get some international exposure. The US has outperformed in recent years, but that will not always be the case. 5) Before buying any ETF, I usually look at the top 10 holdings, and how much of the overall ETF they make up. I also read the fund description to see what it is trying to accomplish. I also look to see if the fund overlaps with one of my other holdings. As an example: VTI's description says it invests in the entire US market, including small, medium, and large cap stocks. VOO's description mentions it is only investing in the 500 largest stocks by market cap. VTI and VOO both have the same top 10 holdings. The top 10 in VOO make up 33.6% of the total ETF. The top 10 in VTI make up 29.2% of the total ETF. The funds have an overlap 88% by weight. Both funds are dominated by tech companies. With that I might decide to buy VTI because I want some exposure to those smaller companies. My starting portfolio might look something like this: 60% VTI (Total US Market) 30% VXUS (Total International Market) 5% NVDA (Company I have a strong belief in) 2% IBIT (Bitcoin Trust) 3% NLR (ETF Focused around Nuclear Energy) That portfolio has 90% of holdings in broad markets that covers the entire world, but I have a couple of more specialized picks based on my beliefs about the future. It is just an example, but hopefully it helps.
Is there any VXUS-style ETF with decent liquidity on options ?
VTI and VXUS are the best ways to buy gold.
Ok, I guess I scrolled too fast to catch the 30-60. I too have owned mag7 so long, gonna hold. Ive bought more goog and Amazon when they were recently lowest. Im with you on finding new things. Im also just continuing my auto investing into S&P and some other ETFS (VGT IBIT). Are you investing more into international? Im not sure on that. Im wondering how US equities will do relative to something like VXUS. Im just not sure about going that path and how much, seems like they might do worse than US. I suspect we'll have another leg down to test lows, building some dry powder until then.
Having solid index fund exposure should be your foundation before branching into other assets. With your income and age, missing out on the tax advantages of maxing 401k/IRA first would be a mistake. What I've learned is that most successful investors start with low-cost index funds (70-80% of portfolio) before expanding into real estate/alternatives. Property management isn't passive - start with VTI/VXUS while learning RE fundamentals.
Ok pretty much what I am doing (60 years old) except I don’t have gold mining stocks. And I have a bit more in equities, including VXUS. Do you gold mining stocks are still a buy for people who don’t have them?
Not the worst idea. I mean mine's roughly half VXUS, half BNDX, with a little IAU, but there are worse things you could do than holding cash right now.
Keep your spending under 3% of your invested assets (including trust funds yet to be delivered). Invest the bulk in equity index funds, with a reasonable split between US and International funds (VTI/ITOT and VXUS/IXUS). Keep about five years of spending in an appropriate short-term government bond fund. And don’t get married without a strong pre-nup. Hire a good CPA. And don’t really tell anyone about the wealth.
Let's be serious, VXUS has been an absolute dog for the last 14 years (inception). The US losing its mind doesn't change the fact that Europe has serious, semi-permanent economic problems and China doesn't return capital to equity holders like every other country. The VXUS components in the rest of ASEAN are valuable but that's only like 10-15%.
I have like 45% of my portfolio in VXUS, even with VTI now to try and cover this off in the long term
SPY isn't the only index fund. Be diversified in non-US like VXUS which is up 9% ytd.
Liquid savings can be questionable too at times. I'm thinking you want to park your money in something but not in US equities. Maybe DCA into VXUS for a while instead
Yeah but I mean look at how many investors have strayed away from fundamentals as well. Exhibit A: This sub Turns out that posting modest but reliable gains on a blend of VTI/VXUS/BND/BNDX just doesn't reap that sweet sweet karma
I think a 10% bond allocation is fine, I know a lot of Redditors would disagree. I don’t hold gold myself but I thought it was something you wanted. If you think 10% bonds is too much you might as well just do 0%. Go with 80% VTI, 20% VXUS or something like that. I started investing around your age with a 60% VTI, 30% VXUS, 10% BND portfolio. Ten years later my portfolio is almost 7-figures. I recently upped BND to 15%. Bond funds are complicated. I think it’s good to start investing in them now so you can start to understand how they work
I do like one a week, definitely just straight gambling right now lol. When 95% of my portfolio is in VTI and VXUS I like to have a bit of fun with the remaining 5%.
Thanks you so much for your help. Definey VXUS is better than VEA. But also i feel like putting 10% bonds and 10% GOLD is too much at my age no ?
I personally feel that allocations under 10% aren’t worth it. 5% in defense isn’t going to noticeably affect your performance and just over complicates things. Maybe do something like 60% VTI, 20% VXUS, 10% BND, 10% GLD? If you don’t like nominal bonds you can swap out BND for VTIP.
1 & 2: Follow the /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics 3: VTI is good, but going global can be beneficial to both returns and volatility compared to the US only that VTI is. VXUS would be a common natural complement. * https://investor.vanguard.com/mutual-funds/profile/portfolio/vtwax - Global market cap weights (be sure to switch from “Regions” to “Markets”). This can be a great default position. * https://investor.vanguard.com/investing/investment/international-investing - Vanguard 40% of stock is recommended to be international. * 2022 Survey of target date funds: https://www.reddit.com/r/Bogleheads/comments/rffoe7/domestic_vs_international_percentage_within/
Correct. And the latter despise the former and never pass up an opportunity to tell them how clueless they are. I particularly get a kick out of getting told I should have been in VXUS for the last two decades because mean reversion. lol.
Canadian. 40 years old. 25 years (or less - hopefully!) until retirement. I understand I'm a bit underweight in international equities. Tariff situation aside though, I'm very bullish on US equities long-term. Would welcome any feedback! VOO - 50% QQQ - 20% VXUS - 10% VWO - 5% AVUV - 5% SCHD - 5% ROBO - 2.5% GNOM - 2.5%
At various points, international markets have outperformed US securities. That's why you maintain VTI and VXUS for nonoptions trading, exposure to both.
Just bought a Hood $70 call for 8/15 for $2.44 🫡 i believe in my gambling app Glad I'm done losing with SPY for now, thank u wash sale rule and myself for putting most of my balance in SPYI and VXUS
How much do you spend per month? Open an Excel sheet and write down how much you spend on rent, food, leisure, transportation, everything. Multiply the sum by 10x. This will be your emergency reserve. You will not invest this money in the stock market under any circumstances. If you don't create this emergency reserve and instead put all your money in the stock market, imagine if something happens and you need money and you're forced to sell stocks to get money, and that period coincides with the market being down. You'll be forced to sell at a loss. This is how people lose money. To avoid losing money, you need that separate emergency reserve. But you don't want to keep that reserve in your bank account either because your bank doesn't pay an interest so your money gradually loses its value to inflation. Instead, you can move this reserve into another institution that provides a High Yield Savings Account (HYSA). Right now you can earn 4% just by keeping your money there. An alternative to HYSA would be purchasing a stock called SGOV that's not really a stock but more like a stable bond that guarantees you won't lose money. You will get the same 4% with SGOV. So why choose SGOV instead of HYSA? The interest you earn from SGOV will not be taxed by your state; you only pay federal tax. That was about your emergency reserve. The rest of the money can be invested in the stock market, specifically in ETFs. The fewer ETFs you buy, the less money you pay to companies that run those ETFs. You only need two ETFs: VTI and VXUS. VTI is the total U.S. stock market and already includes big tech and S&P 500. You do not need to buy SPY or VOO separately. Only VTI. VXUS is the rest of the world. If you lookup the past performance from the last 10 years it may seem like VXUS is a waste of resources because of lower returns but that's a trap. It's important to be diversified. You can go with the lump sum approach and spend all the money (minus the emergency reserve) to buy stocks now, or you can Dollar Cost Average (DCA) by scheduling regular purchases of small amounts. I do the latter for psychological reasons. If you're impulsive or hot headed or an emotional type of person, go with the DCA approach. Everything I told you is something that I personally do and it's not financial advice coming from a professional advisor. I am not an expert. Right now, due to market volatility, most of my money is parked in HYSA/SGOV. My portfolio is 60% cash (HYSA/SGOV), 30% VTI and 10% VXUS. I plan to buy more stocks toward the end of the year. Do not buy stocks of individual companies like Apple, Microsoft, Tesla, or some random company. There is a higher risk of losing money. Only buy ETFs. Do not buy gold. It's highly speculative and the price can dramatically crash at any moment. Do not buy cryptocurrency. Do not buy and sell stocks, you will waste time and in the end lose money. Only buy and hold. You are not day trading, you are investing long-term. Do not waste your time on YouTube videos or websites where smart-looking people show you complex charts with green and red lines and predict that this or that company's stock will go up or down. Ignore it all. You do not even need to read the news. You do not need to check your account every day. Open a Robinhood Gold account and move the funds there. Keep some cash in your regular bank account for day to day expenses. Keep the emergency reserve parked in Robinhood Gold and do not invest it in the stock market (but buying SGOV is okay). The non-reserve money you have just moved to Robinhood Gold can be used to purchase VTI and VXUS. At this point you'll choose your approach: lump sum (spend all at once, not recommended) or schedule an automatic small transaction every Tuesday (what I do). Your $200,000 is not enough to earn a regular passive income high enough to cover your rent and monthly expenses. It will earn you $9,000 per year at most. This is why people invest their money in the stock market. While a stable HYSA can give you an annual 4% return split into monthly installments, a stock market is usually double or triple that amount. But with stocks you don't get that money in monthly installments so it's more like a buy-and-hold retirement thing. Do not bother with "dividend" stocks, don't even Google it. I recommend doing more research. Again, I am not a licensed financial advisor. I recommend Robinhood Gold because of its simplicity. Only their Gold service pays 4% interest on parked cash. Good luck.
First off, props to you for even thinking like this at 18. Most people would have just blown it. For hands-off investing, broad ETFs like VTI, VXUS, or even a simple target date fund can be super chill. Set it up, automate contributions if you can, and just forget about it while you focus on school. Also, there is a newsletter I read that breaks down passive income ideas without all the crazy “get rich quick” energy. Let me know if you want the name.