VXUS
Vanguard Total International Stock Index Fund ETF Shares
Mentions (24Hr)
87.50% Today
Reddit Posts
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
Okay, thats the beauty of diversification. But ok, go and full port gold and silver. That's never gone wrong for anyone! My core portfolio is 35% SPY 35% VXUS 15% GLD and 15% EWC if that helps.
Fidelity has great zero expense ratio funds that will achieve the same results as VTI and VXUS but for cheaper. See my other comment for specifics.
You can still contribute for 2025, so make sure any money you put in there goes to that year first. You have until Tax Day to contribute for the prior year. Just put your money in VT and forget it. If you want VTI/VXUS. You might want to check out r/bogleheads. If you take their philosophy to heart you won't ever miss out on the best stocks.
VTI/VXUS will cover the entire market, anything else is a factor tilt. Which is fine if you have some particular knowledge or conviction, but otherwise I would stick with the broad market.
What’s your point? Historical performance is not an indicator of future performance, and recent events (including VXUS outperforming VOO) do not point to continued US over performance.
You are allowed to sell VXUS if things actually go back to "normal"
You got to invest in what you believe in to have conviction to hold during downturns. I am not a tech guy, & believe in cycles, but your port indicates you are tech guy. So maybe if I was thinking like you were I would hold onto $QQQ position and sell my $VOO shares and buy $VT or another all world plus US ETF instead of holding the $VOO. I do think you are giving up on $VXUS too early as I think we are entering foreign stock cycle of outperformance vs US stocks. Good luck regardless.
Create a free account with a brokerage. In that account, create a Roth IRA. Transfer the max it says you’re allowed to (e.g., $7k). Invest that $7k in an ETF like VOO or VXUS. I assume you aren’t incorporated. Find a good small business accountant who can help you set up an LLC corporation, and start pumping that revenue through the corporation. You and your friend should pay yourselves through the corp using a payroll company. There are many tax advantages here which are best explained by the accountant. Once you have a corporation, talk to a brokerage about setting up a 401k plan. This will allow you and your partner to make pre-tax contributions to a 401k account. As to the money you’ve already made, you’re gonna get hammered by the IRS because it will be counted as straight income. But you can use an LLC to shelter future earnings.
It's hard to take you seriously when your only point was to diversify into international because of past performance. For what it's worth, I'm allocated 20% in VXUS in retirement accounts and have been for quite a while. I never use the term "V" either, so you are probably confusing me with someone else.
VXUS is still outperforming by 8% this year I'm not buying
The market is overpriced if you just look at the S & P 500. There are specific sectors and stocks that are better values. International stocks are still a good value and have been doing really well over the last year. Look at something like VXUS if you want an ETF that tracks the broad international market. Make sure you don't just look at P/E. Some stocks are a good value with high P/E because they have a high growth rate. Except for Tesla and Apple the Mag 7 can justify their high p/e because of their growth potential. Some stocks are value traps that have low P/E but are shrinking.
I genuinely do appreciate the response. I know I'm double dipping (I think it's a 50% overlap b/t VOO and QQQ) but don't really care at this point. I'm not trying to optimize ETFs to the fullest. I simply think of the zoomed out chart. VOO and QQQ will return hopefully continue to return somewhere in the range of 8-15% until I start re-balancing for retirement and the small cap ETFs give me exposure to what VOO and QQQ don't. I considered VXUS (looked now and ACWX is basically the same return as VXUS) but it's outperformance has only been for the past year or so. Maybe it'll prove foolish in the long run but I'm good with the exposures I have.
For long-term investors, Fundrise can be worth exploring as a way to diversify into real estate alongside a core stock allocation like VOO, VXUS, and small caps, but it’s important to understand the risks and illiquidity involved.
I was holding stocks but found it to be stressful with the AI disruption and it's impact on tech, especially. Most institutional investors and a god part of retail investors starting going for generic US holdings or international. That's why I maintain a core position of VTI and do a 50/50 with international. VTI 50% , VXUS 15%, AVDV 15%, FLKR 10%, SOXQ 10%... Run that in your simulator.
It's incredibly difficult to predict, and depends on the type of 401K you have. Are you able to freely invest in like all asset options, or are you stuck with a limited fund selection? What safe haven options do you even have? The best common 401 play to reduce risk in the U.S. market right now has been to move money toward international investments though (your VXUS type funds). But that's more a diversification play.
VXUS has been a very lucky ticker for me this year.
VXUS down 1.8% SPY down 0.25% mhm
Thought I was smart with VXUS so far YTD, but not today.
That’s honestly a very reasonable starting point. 80% VOO gives you broad US exposure, 10% VXUS adds international diversification, and 10% small cap like AVUV tilts toward higher expected return (with higher volatility). It’s simple and coherent. Switching small cap to QQQM would change the intent of the portfolio. QQQM is more large-cap growth/tech-heavy — you’d be increasing concentration in names that are already a big part of VOO. Small cap adds a different factor exposure. The bigger question isn’t which mix is “perfect,” but whether you can stick with it during underperformance. Small caps and international can lag for long stretches. If you’re comfortable staying consistent through cycles, your allocation is already solid. Consistency over 40 years will matter more than fine-tuning 5–10% shifts.
VXUS is the new VOO. Performed waaaay better last year.
Reminds me of that meme that Squidward is looking through his window blinds watching SpongeBob and Patrick having running outside. That's how SPY is looking at VXUS and VT.
your 23 so even looking at FIRE you’ve got 20 plus years. Don’t worry about downturns. Opening a taxable account and layering money into VOO, VXUS, QQQM and such is a great idea.
You're deep in that 22% tax bracket. I'd be contributing a lot more in the 401k and probably traditional IRA instead of Roth. Maybe it's just my lifestyle, but I make 90k before taxes and do 12% 401k, max HSA, max traditional IRA. Everything is in FXAIX, VTI, VXUS.
It's all about dry powder right now. This administration is getting desperate and every move they make tends to move the needle to the extreme. They know they've lost the midterms... what can they do to prevent that? Their Hail Mary will be something extreme... like instituting the insurrection act and invoking absolute martial law. How would the economy and markets react to a constitutional crisis? It likely won't be business as usual. Now is the time to hedge and position yourself defensively. My core is 40/60 US/Intl... VTI and VXUS, AVDV, FLKR. I make swing trades to benefit from the volatility. The rotation from tech to everything else has created a great environment for this.
Definitely shifting my approach a bit going into 2026. I've been mostly US-heavy but the valuation argument for international is getting harder to ignore - Europe and parts of Asia are trading at significant discounts and if the dollar softens that's a meaningful tailwind on top. That said, I'm not abandoning the S&P core. Just trimming the US weighting slightly and adding some VXUS exposure. Still keeping a small crypto allocation but not adding - Bitcoin at this stage of the cycle feels more like a hold than a buy. The bigger change for me is getting more systematic about individual stock selection. My current workflow: * screen on [Finiviz](https://finviz.com) \- check peer comparisons, * then go deep on the financials in [BearBull.io](www.bearbull.io) it lets me pull up 20+ years of income statement, balance sheet, and cash flow all at once which is genuinely useful for stress-testing whether a company's quality is real or just a recent run. * Then I write the thesis out in markdown on [obsidian](http://www.obsidian.md) and run it through [claude](www.claude.ai) to challenge my reasoning, spot what I'm missing, and build out proper notes. That process has made me a lot more disciplined about what actually makes it into the portfolio. Going into 2026 I think the edge is in the process, not the macro call. Everyone has access to the same headlines.
What’s more likely to happen is that the entire US stock market will continue to go down and all international stocks will continue to go up as our European former allies continue to pull out of invest investments in the United States as well as continue to push private companies to exit US Tech firms and their private business models. The best play right now is still to buy International stocks or broad-based ETFs even if you’re doing calls. VXUS > SPY
Yeah this is a really common issue when you are buying across multiple accounts. VOO, VTI, and large cap growth funds all have massive overlap since the S&P 500 makes up like 85% of VTI anyway, and the top holdings in growth funds are the same mega caps. The simplest fix is to pick one core holding for US exposure and stick with it across all three accounts. VTI or VOO in everything, then add international (VXUS) for actual diversification. Right now you are probably 95%+ US without realizing it. For actually seeing the overlap across accounts, I have been using investinsight.io to pull all my holdings into one view. Makes it way easier to spot when you are double dipping on the same companies across different funds. Before that I was just guessing and it turned out I had way more AAPL and MSFT exposure than I thought.
• HYSA: $85k earning about $200/month in interest That's a waste. Cash loses value due to inflation. The 85k should be invested in some index (perhaps VT) in a brokerage fund, put into a different store of value (like, say, a gold ETF), or at least put into treasuries or something like that. Keep a few months of expenses in the HYSA as an emergency fund (aka a "fuck off fund" just in case you land a bad boyfriend or girlfriend, lol). Since Trump was elected, I prefer broad ETFs of non-USA stocks. Stuff like VGK (Europe), FLKR (Korea), or ASEA (South-east Asia). VXUS (everywhere but the US) or VT (the USA + the rest of the world too) if you want super-broad based etfs that you ignore forever and ever. You're 23. Stocks go up over the long-term (because companies overall become more profitable as technology improves). In a brokerage account you want to invest in ETFs or stocks that you will hold for a year or more. (In the USA, stock market gains are taxed as capital gains if you held the investment for more than a year. They are taxed as regular income if you held the investment for less than a year. Capital gains taxes are much lower than income taxes.) "How do you mentally handle market dips?" Not looking. Seriously. Keeping in mind you want broad, diverse ETFs that you will hold for a year or more, I wouldn't bother to pay any attention to the brokerage account unless you are adding more money to it. "Did you transition money gradually from HYSA into investments or lump sum it? I lump summed it. No real reason to transfer gradually, in my opinion. Though in my case I never had an HYSA. Never saw the point. "how you decided on your allocation at a similar age" I didn't invest until I was older, but it went like this: Oh my goodness, I have money now. I know money always loses value over time due to inflation. I should invest my money, because stocks and real estate don't lose value to inflation like the dollar does. The classic investments for Americans building wealth are real estate and the stock market. I can't afford a house and don't want one where I currently live anyway. I'll invest in stocks. Bonds and other conservative assets like gold generally grow slower & are more suited for risk-adverse retirees, so I'll just stick to stocks. I want what will grow most over the next few decades, so, stocks. I'll max out a Roth IRA and then put the rest in a brokerage account. (Contractor business income - no 401k.) I'll invest in broad-based ETFs with diverse holdings so that no one company falling apart can hurt me too badly. I'll invest in ETFs holding USA stocks even though they are overvalued because the markets believe in American Exceptionalism and USA stocks bizarrely keep growing faster than everywhere else. That went well. Oh my goodness, Trump was RE-elected. American Exceptionalism is dead. I'll shift my money into broad-based ETFs holding non-USA stocks. That went really well. Hey, look, a reddit post I think I can answer helpfully.
VTI 85% VXUS 15% see you in 10y
No, a set allocation strategy could be set at 100% VT. Or it could be 80% VT and 20% bonds. Or it could be set at 40% VXUS and 60% VTI, because your 401K doesn’t have VT, like mine. I’m starting to think you don’t know as much about this as you’re letting on.
VXUS - Global without the US...
Believe it or not VTI/VXUS
Yeah that was my point. While AVDV is doing best (it is both small cap value and international), AVUV and VXUS are both doing great as well.
Yep. Small caps are doing great. My international is doing great. S&P is flat. YTD, AVDV > AVUV = VXUS > VOO
VYMI has always smoked VXUS.
EWY and VXUS has served me well for the past 6 months than "VOO and chill"
VYMI smokes VXUS. VGT smokes QQQ. Add GLD.
Best boglehead split with a slight amount of regardation? I think mixing QQQ, VT and VXUS depending on how much US vs international expusure you want. Can even add a small/midcap USA etf (though i don't like russel 2000), i don't know which etf though as i would prefer active screening for solid fundamentals. (VT does seem to have all cap expusure) For the regardation i'm thinking metals/uranium miners, SMH, korea/taiwan/brazil index, space or defense etf, even bitcoin or fintech etf. Any other interesting etf plays? I may even consider tips bonds if you think a huge crash is imminent but i think i will just hold a larger cash position in hysa/0 month tbills. Not liking leverage right now tbh. Stock market looks funky. American market weak af and ex-usa market in its own valuation bubble. I can see it blowing up one way or the other soon even without ai unraveling.
I put 40% of my monthly pay into VOO and VXUS. Also in my 40’s, invested late.
Im thinking maybe 20% GLD 20% VXUS 60% TQQQ
Ah so you’re a bandwagon fan. VXUS has one good year and suddenly you’re all about it
I have both VXUS and VEU in different accounts, similar performance.
VEA or VXUS. Otherwise you are too late.
You’re still young man, you’ll be fine. Just invest in safe assets like VOO and VXUS. You’ll be better off than what you’ve been doing.
The overlap just makes it more expensive for you if you’re buying both. If you transitioned from the MF to the ETF once you found VXUS then that makes sense.
Not sure why you have VXUS and VTIAX, either have VTIAX only or have VXUS and VTSAX. I have the latter two.
Everyone's mentioned VXUS already. I personally use VEU
Dawg I genuinely can't with this sub anymore. If you took posts like these at face value, you'd think that anyone who wasn't overweighted with VXUS is like, cripplingly bankrupt right now lmao.
Honestly can't tell what's worse between these posts or the ones where people have unironically moved their *entire* portfolios to ex-US due to VXUS outperforming VOO for the first time in... 15 years lol.
VXUS VTI PE gap is closing Now 19 vs 26
I’m 100% VXUS/VTIAX right now. I had to liquidate funds for down payment on a house and sold 100% VTSAX. Hopefully by the time I sell and get cash in a few months the IS market will have tanked and I can get back in at a nice price. But I may be more like 40/60 US-Intl whereas I was the opposite before. I’m only inadvertently timing the market here.
The SP500 was not up 17.7% in NOK terms. Additionally, deploying 2 trillion dollars in VXUS is not an easy task. When you’re dealing with numbers in the billions you have to worry about capacity just as much as you have to worry about alpha
Why is it that the American market is so terrible this year? VOO is currently at a -0.07% YTD while VXUS is at +9.95% YTD…
VXUS for the next decade
its times like these that i am reminded why i invest in VXUS and TLT.
I think for funds, the key metric they look at is risk adjusted returns, not just raw returns. They couldve bought Nvidia and outperformed VXUS
SP500 was up 17.7% in 2025. VXUS was up 32% in 2025. They could've just invested the world market and outperformed themselves.
I full ported my 401k out of VTIAX into VXUS last year. Looking like a good decision.
VXUS stocks are up-- best thing investors can do is move assets into international funds before domestic equities crash
1. Yes, if you want minimum headache with solid returns, just keep investing into the S&P 500. It has shown strong results over the last few decades and will most likely continue. Of course, nobody can guarantee that — it's possible that America gets pushed off the pedestal as the leading economy, and as a result the S&P becomes less relevant while other countries and indices outperform. But realistically, predictions like that are nearly impossible to make. 2. As for growth ETFs and individual stocks — it helps to think of it as a risk scale. If we're only talking about stocks, here's roughly how it breaks down from least to most risky: 1. Global ETFs (VT, VXUS) - widest diversification across countries, continents, and sectors 2. Broad market ETFs (VOO, SPY, IVV) - S&P 500 and similar, strong track record 3. Sector/narrow ETFs (QQQ, ARKK, SOXX) - more growth potential, but more volatile 4. Individual stocks - closest thing to a casino. Nobody can guarantee with 100% certainty that a company won't change direction, replace its CEO, or run into unexpected problems. The general rule: the younger you are, the more it makes sense to lean toward the riskier end of this scale. If those bets pay off — great. If not, you still have decades until retirement to recover. But the higher the potential growth, the higher the risk. That tradeoff is always there. The good news is you don't have to pick just one. You can combine them — keep the S&P 500 as your core and add a smaller allocation to something more aggressive. The key is deciding how much risk you're actually comfortable with.
Very disappointed in SPY. Can’t even keep up with VXUS anymore. Sad!
Normally people go 70% VTI and 30% VXUS in their retirement. I switched to 80% VXUS and 20% VTI last year and so far it's paying off
On a relative basis, VXUS has returned about 10.8x what SPY has so far this year… roughly ~975% relative outperformance. What a fucking moronic administration
That heavily depends on what your goals and needs are now and in the future. FYI though, advisors are fine but what they do is really not that complicated and often times they over complicate things or end up charging you for something that can easily be diy. It all depends on comfort level, and I’m not saying don’t talk with them, but take careful notes or record the convo and do some research on it after. From what I’ve see most of them just do some basic split anyways and you’d get the same or better results from just doing VTI/VXUS and maybe some bonds if you like
Eh, VXUS will then only drop 15% and recover twice as fast.
Yup. Meanwhile VXUS will do it plenty of times.
Just put new money in VXUS.
General? VEU which is the old sibling to VXUS. Lower expenses and usually has had slightly higher returns (past performance no guarantee of future performance, of course). The former has a bit less % wise in the smaller small caps. ..
Yup. VXUS will keep destroying big american tech. Capex is killing them but they just keep going.
VXUS has gone 10x in that time.
All my new investments are in VXUS. I want to have least have 20% international exposure in my portfolio.
Im throwing cash at SEC and VXUS to look for growth if things are gonna be shitty
15% gold, 35% smh, 30% VXUS, 20% VT Might be the play.
Gonna remember for the future to go full VXUS with republican presidents and full spy with democrat presidents.
VT is a simple blend of both as well. I would personally split between VTI and VXUS
VOO has been sideways, as two of its biggest members have either tanked (MSFT) or trades sideways since August (NVDA) I’d do VXUS or VEA instead.
VOO is a perfectly legitimate 1 fund portfolio. It may be worth considering the addition of VXUS for international exposure
VXUS is. This kangaroo market bouncing between 676-695 forever, not so much.
>• Should I just keep consistently investing into the S&P 500? yes, but you should also buy smaller company US stocks like the S&P 600 (IJR), S&P 400 (IJH) or VXF (which effectively combines them both) https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png you should also add international stocks (VXUS or something similar), which can outperform the S&P 500 for many years. https://topforeignstocks.com/wp-content/uploads/2023/09/US-vs-Foreign-Stocks-Performance-1971-to-2022-1024x578.png the S&P 500 is not magical, and not always the best performing option. >• Should I look into other ETFs that are similar but maybe more growth-focused? 'growth stocks' means 'the companies have revenue and profits growing faster than similar companies'. 'growth stock' does not always mean 'stock price grows faster than other stocks'. sometimes yes, other times no. >• Or does it make sense to start picking individual stocks I believe in? you can try, but the usual guideline is to keep this to no more than 5-10% of the total investment portfolio. the odds you, or me, can pick winning stocks is very low. there are professionals with high levels of education and access to sophisticated databases that have trouble beating the overall market. so IMO view stock picking as a hobby and learning experience, not a method to wealth building.
So say I put money into VXF and VXUS to help diversify I’m guessing they still are treaded like my current S&P and I just let them grow while putting money into overtime
Since you already have the S&P 500: A fund like VXF would give you the rest of the US market (small and medium companies), VXUS would give you international companies (outside the US) and/or BNDW would give you a sampling of the global bond market (or BND if you only want US bonds). I used Vanguard funds as examples because that's what I'm familiar with. By combining those 4 components to taste (large caps, small/mid caps, international and bonds) you can put together all kinds of different portfolios for different risk tolerances.
Thanks but I’ll stick with VXUS.
Taxable: vxus and vti. IRA: fzilx fzrox if you're with fidelity. Why? I like vxus in taxable for the foreign tax deduction. It is a 1:1 deduction on your taxes owed every year. Let's say you have 100k in VXUS... It grows 25% to 115k. At the end of the year they give you a dividend around 3% of the total value. So $3450. However since it's a foreign stock, the foreign country taxes you 15% on all earnings. So $517.5. in an IRA, you have to eat this loss. In taxable, you get it back by deducting it from your taxes. If you owe 1k in taxes, you only owe $482.5 after doing your foreign tax credit.
I like VXUS due to low fees and decent returns so far.
I just invested in to VTI at 12 today, then actually at 3 went in to VXUS, I’ll look into SMH and SHLD but I was definitely way to tech focused, I spread my stuff so I am not just in tech and stuff thank you for the recommendations
I was totally Kidding Brother. You seem spread Very thin. I would start off Investing in ETFs. Most Hold a variety of Stocks in any given sector. Do your own research of course, but these are some that I am currently holding and what they consist of. VTI - total US market, VXUS - International Markets, SMH - Semiconductors, SHLD - Defense Tech, GLTR - Precious Metals Good Luck 🍀👍
International posing for another +30% year SPY YTD: +1.13% VXUS YTD: +10.87%
Thank you! I had those but sold them since they overlapped with VTI, I also sold the emerging and developed by vanguard for some VXUS but let me check out qqqm!
The market can stay irrational longer than you can stay solvent. This is why nothing beats DCA index fund like VOO/VXUS if you don’t want to play stupid game but don’t want to be left out either like me
VOO and SPY is completely redundant. In fact, VTI/VOO/SPY/QQQ is probably redundant too. You're just overweighting yourself into tech instead of diversifying. I would go anywhere from 90/10 to 70/30 VTI/VXUS depending on how you feel about the US economy long term. Throw in some bonds if it will help you sleep better at night when the market tanks 20%. When in doubt, KISS.
VOO/VTI/VXUS and chill for me
I'm not even against holding some VXUS, I have 20% allocated for retirement accounts, but it's pure delusion to suggest that it will continue to outperform the U.S. indefinitely. I would absolutely expect international to continue to perform up to par though for a while, it is VERY behind U.S. performance (something like 330% difference in performance over the past 14 years or so)
Hello! Hoping for some feedback on my Roth IRA. Did it backdoor. Here is some background: 47 years old in the U.S. Want to invest for long term/retirement 300k annual salary No major debts except home mortgage Risk tolerance: low to medium I started small (about 7k) and bought the following: VTI VXUS VOO SPY QQQ I think there is some duplication and overlap in here. Any thoughts on an appropriate percentage or elimination of some of these? About to do another backdoor Roth and want to make appropriate adjustments if needed. Welcome your thoughts! Thank yoh!