VYMI
Vanguard International High Dividend Yield Index Fund ETF Shares
Mentions (24Hr)
-100.00% Today
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Full ETF portfolio? (Tips, Advice, Literally anything)
Selling stocks now to invest when there is a downturn/correction??
Advice on investing strategies, is it better to use ETFs or individual stocks?
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If you are looking at the market price, you are not getting the full picture. [https://totalrealreturns.com/n/VYMI](https://totalrealreturns.com/n/VYMI)
Before the new year it was easy: VGT/GLD/VYMI (36/36/24%). Since the new year: VGT/HDV/EEM/GLD/VYMI (24/8/4/36/24%)
International EFTs, such as VYMI, are my top choice, but I also appreciate having Fundrise for private markets, as it adds diversification that isn't tied to the dollar or the same cycles as equities.
For international I’m in VYMI and VEA. The value etfs are mostly SCHD, but I’ve been contemplating switching to something less dividend focused. I bought into a gold indexed etf (FGLD) around October too. That and the international have done most of the heavy lifting. The value is just sorta dampening the losses.
should have at least put some into a Gold ETF and you are crazy if you haven't been investing internationally IMO. Go look at the performane of VEA, VYMI or FBLR (Brazil!) over the past year or so.
VYMI up. EEM up. HDV up. Lots of good things this year!
Tf is VYMI? Goddamn it I suck I even bought the wrong international ETF.
Backtest VGT, GLD, VYMI (36,36,24%).
VYMI beats VXUS hands down.
VYMI up 1% today on tariff news.
32. 55% US (VT), 30% International (VXUS, VYMI, and VWO), 5% stock pick ems (RTX, RKLB, LMT being primary atm), and 10% short-term bonds (3 months rotating, and ready to deploy if a good opportunity presents itself). Bond holding is high, I know, but I am using it also as a second emergency fund so some liquidity helps.
VYMI beats VXUS. HDV is a good option. It will include energy.
VXUS gets a lot of press but VYMI is worth a look to. as mentioned by another in this thread, EWY is focused on south korea (read my note of caution on that). EWJ for japan is also a strong option.
VYMI is a solid choice. Has good performance and pays high dividends.
Holding Defense, metals, mining and energy exposure as individual stocks. Buying into these now for 2026 is a bit late/expensive. As for dividend stocks, I like VYMI as low fee and X-us in a tax free account for the long term hold place for gains and retirement.
Like what VYMI? I own VYMi, but it's heavily invested in finance. Any recommendation?
Loving VYMI as well, especially in tax-deferred or tax-exempt accounts. I've also done well with some country and region-specific funds.
I decided early this morning to dump even my international holdings other than KXI and VYMI and kept a last minute buy of VDC yesterday afternoon. Lost a small amount this morning but the long delayed correction might have come. Too much debt, chaos in social and political worlds, bad economic policies and the discovering that AI needs to go back in the oven and BTC is not separated from stocks and the silver and gold dump scares. We in for it now.
I rode gold and silver up, managed to keep most of the gold gains but only a little of the silver because it fell so fast and I forgot my stop order. I'm out of both and beat S&P pretty handily (even accounting for the losses) over the last 10months when switched out of majority US originally. I can't believe I forgot the stop orders on Gold and Silver but I'm ahead. Anyway, I'm now majority international. VXUS, VYMI, DFIV, VPL and KXI with a sprinkle of IDNA (my sole US this year so far). The rest of the money 33% is waiting on a buying opportunity in the US market. I wish I had kept VDC as the sole US ETF to hold but oh well. When the US market crashes, I might jump on a little gold again if it drops before then and I can see a US crash coming. I will add a good US dividend ETF and a US broad market ETF. But it has gotta drop a lot more because right now the US market seems way overbought.
VYMI the only thing holding my port up today
It's crazy how in the lary year VIGI is GARBAGE and VYMI is very good just because of the NVO in VIGI
Buy VXUS or VYMI to actually make money.
VYMI is one of my biggest positions, I'm retiring one day earlier
some considerations on ETFs / mutual funds: * VXUS: International as mentioned in another comment. Performed much better than SPY in 2025. * VYMI: Similar international exposure but I believe with a stronger dividend presence. Likewise much better than SPY last year. * EWJ: Japan - also performed well and many analysts are calling for strong GDP performance from Japan in 2026. * VGK: Europe-focused fund returning near 50% over 1 year (really puts into perspective how poor the US has done). * EWY: South Korea - blew up last year as this is *highly* dependent on microchips but does give some external US exposure. * VNM: Vietnam - a true "developing" play but if one follows the talk about where many people are traveling, then it's not a bad idea to let some money invest there.
VYMI, EUAD, & JXF Made money for me last year.
I like VYMI since I like the dividend payouts, and it's a pretty solid mix of companies IMO
I'm new to investment as well and consider myself being too late. I DCA IAUM $25, $25 VYMI instead of SCHD and $50 VT weekly on my ROTH IRA. Let's see how it is in a year. 😅
I just divested JEPQ and QDVO. Strengthened my VYMI position and balanced it out with SCHY and IDVO.
VYMI, VEUSX, VWO have been my friends for the last year. Didn't count on Donny and the Gang deciding to decapitate the USD to support their indentured factory economy dream but here we are. For indexes I dad 1/3 of my port in europe/global for hte last year, moved all the US out of it except small cap in the last month. Had also had a decent amount of cash on the sideline waiting for US market to crash, moved that into gold this week. Even if I'm "buying at the top" for gold, it's better than what Donnie and friends will do to USD cash.
VYMI dropping on news I bought yesterday afternoon
Best port is VGT, GLD, VYMI, EEM at 36/36/24/4.
Best port is VGT, GLD, VYMI, EEM at 36/36/24/4.
Tomorrow is the BIG DAY! Microsoft Earnings! The number to watch, Azure Cloud Growth. Scenario A (The Boom): Azure growth accelerates (due to Copilot AI). The stock pops. The "Risk On" rally continues. Scenario B (The Bust): Azure growth slows or AI costs are too high. The stock drops. Goldman sees: Outflows from Tech ($900M) and massive inflows into International (EM) and Cyclicals. So if MSFT falters tomorrow, get out of Magnificent 7 and into energy, and old economy value stocks., and possibly GOLD. My picks: VYMI, VDE, SGOL, SCHD, SCHG, SMH I sold all my Google today and took some of the upside of SMH. Tomorrow I will see if I was right.
ah ok so that is good to learn. so if i have international dividends say from VYMI, in taxable account it has some benefit that is missing from if it's in a roth ira. But then the tax hit from the funds is there, which isn't there from the roth ira. guess i'm trying to split hairs at this point but if you have more info in this rabbit hole happy to learn more. for that foreign tax credit, is it something done automatically on the brokerage tax forms or something else I'd be wise to research and learn to fill out myself?
I have invested a significant % of my portfolio per a very similar thesis for the past year. DISV, DFIC, AMKBY and VYMI were my main investments there and I am staying put with all. A different but related thesis led me to invest in RNMBY, SAABY and EUAD. I have been taking profits but I'm basically staying put there as well. If things return to normal, I will definitely lose the dollar-debasement piece of this, but so far it is hard to argue with growth that has way outpaced an SP500 or similar approach.
VXUS is a very solid international ETF. Some additional options to consider: \- VIGI: Vanguard International Dividend Appreciation ETF \- VYMI: Vanguard International High Dividend Yield ETF \- AVDV: Avantis International Small Cap Value ETF
all-world VTIAX VTPSX ACWX Europe VEUSX VYMI Emerging market VWO
Don’t put all of that in a single stock… homie pick 4 stocks, 1 will be an anchor and the other 3 will be Individual holdings to prime the portfolio for growth, allocate 10k of that towards the anchor or you can do 5k and 5k into 2 anchors. So the majority of your money is in slow and steady while you have the 3-4K working overtime. What I mean by anchors is ETf’s my personal favorite as of now is VYMI. Pick the best highest growth anchor, and the best one you can also buy the most of to maximize growth.
Here is my stack since 12/29/2025 SCHG 45% SCHD 25% SGOL (Just bailed after making 6%) SMH 20% with a 15% Trailing Stop GOOGLE with a 10% Trailing Stop (totally speculative, I think they are going to own AI after the bubble bursts, probably going to sell and wait until the next dip) SGOV (Parking cash here for dollar cost averaging and buying dips) VYMI (Just sold after making 2.5%) COF (Bought it when dropped 10% on Trump's push to 10% APR on Credit Cards, already made 3%, did a sell to cover) The S&P returned 1.5% this year and I am already up 3.5% I am not going to VOO and chill. I am going to be aggressive, buy the fear like COF, chase the SEMIs, and chase the growth with SCHG then use SCHD to keep plowing dividends back into more cash and stock. So far I have beaten the market nearly every day of the year (NASDAQ, DJIA, S&P 500) including today which they were all down and I was still up .07% I am not fanatical about it but watch it at least every couple of days and trade at lunch based on news. My goal is to hustle 20% or better this year and I have 16.5% to go and 3.5% just at Jan 16th isn't too bad. My macro investor friends keep screaming about the Schiller Cape and are predicting a crash around August-December timeframe 2026. Everything is so dynamic right now it scares me a little.
VYMI's one year return and sortino ratio blows SPY out of the water. It's 5 year return is the same, with a better sortino ratio.
Well i dont know the allocation percentages but what i can work with this. Id negate VXUS. Ill meet you in the middle. Nows a great time to start your DRIP snowball with a dividend ETF. SCHD is always a great choice but because it appears you want an international (minus US) ETF, id say VYMI. Solid growing international dividend etf minus US with div. stats comparable to SCHD. Otherwise, i wouldnt overthink what youve got. 3ish decades from now id like have this portfolio looking like this: 75% VOO, 15-20% SCHD/VYMI. 10ish% individual stocks.
I'm in VYMI, but -- yeah...
Nothing wrong with VOO/VI it's slow, safe, growth over time. This is my strategy and I believe it will beat VOO/VTI over the next year, but I have higher risk exposure in SMH and SGOL. |SMH (Semiconductors)|15%| |:-|:-| |SCHD|20%| |GLD/SGOL|15%| |VYMI|10%| |SGOV|10%| |SCHG|30%|
This answer has all the facts. I have an NASDAQ 100 mutual fund in my IRA. If I want to trade it, I just watch the NASDAQ 100. I know everyday if my mutual fund share price is going to go up or down. Same with an international mutual fund I have in same IRA. I own VYMI (international ETF) in my taxable account. I generally know whether that mutual fund will close up or down by watching the share price of VYMI.
Don’t really know VYMI, but returns look good, no red flags jump out at me. Turnover is high at 11.5%, smaller fund. Marginal differences in country exposure. Heavier exposure to finance, energy and pharma where VXUS is weighted more to tech. Given that your US equity is presumably heavily weighted to tech already (because the whole market is) I like it as a slight hedge against AI. VYMI has 1000 individual positions vs 8000 for VXUS, so they’re both broadly diversified aside from dividend-paying sectors obviously being overrepresented in VYMI. Unless your portfolio is otherwise overexposure to those sectors, or you work in one of them, I don’t see why that can’t be your international core, just has a slightly different flavor. Not quite as set it and forget it as a market cap weighted index fund though.
Thoughts on VYMI over VXUS? Have a significant position in VYMI and I'm thinking if I should switch
You use something like [https://www.portfoliovisualizer.com/](https://www.portfoliovisualizer.com/) to help construct a portfolio that will grow faster than the market while being less volatile. Something like 36%/36%/24% VGT/GLD/VYMI works super well. Add 4% high volatility shit like crypto ETFs or SLV to juice the results.
SCHY or VYMI if you like dividends
VXUS, VYMI, IDEV, IEMG (depending on what you're looking for)
The anti-American port is doing better. VYMI> QQQ
+25.76% held SCHG, FXAIX, TSLA, GLD and VYMI. i bought tsla at the perfect time at about 280 but i barely bought any, wish i bought way more.
The short of it, SoFi is planning on paywalling benefits that used to come free when direct deposit is used. Some of these benefits include the 1% match on Taxable investing and 2% on IRAs. It's going to be $10/mo starting in April. I'm not happy with this change but whatever, SoFi is a business. Personally I'm going to take advantage until it happens then switch to RH when I start my Roth deposits again. I'm still using SoFi as a bank but most of my money is goes to investing so they are losing my business in that sense. The benefit of RH Gold's margin is that the first $1000 is free to use. Normally margin has interest fees you owe on it. This means you could just buy something safe like SGOV and use the dividends to help pay most of the Gold fee. I'm planning on using it with what I normally buy for my Roth (VTI, VYMI, SPMO) so ideally I should be getting steady gains each year from the grand without taking too much risk.
EUAD up 73.2% YTD VYMI up 33.4% YTD SPY up 16.8% YTD Eurorich ETF’s won this year boys, mangoo destroyed the best economy in the world less than a year and it’s only up due to AI fraud
Lots of international stuff. Gonna continue to outperform US assets. VYMI, TEI, EEM. Gold is going to continue to strengthen. Have to maintain some exposure to tech through VGT or XLK but pared back a bit.
First year I’ve made 6 figures health >>> wealth Thank you to the following: ONDS, SLV, GLD, COPX, GOOG, LMT, RTX, EUAD, VYMI, RKLB
Couple of things: 1. I think you’re under-exposed to non-US markets. The US has been on a multiple expansion run, but something like a VEA or VYMI would do well to complement having more exposure to markets that could do well in the next 20 years - on top of your VT allocation. 2. I think 5-10% of “fun money” would be appropriate - to take calculated bets on companies that you do appropriate research on and think have a 10 year runway to do well (ie SOFI, AMZN, GOOGL, MELI, BN, etc). There are good companies this consistently outperform the S&P500 or are the companies hitting their growth curve that will be reflected in their stock price. But be disciplined and don’t put money in that you’re not prepared to lose. Do your research - there are several good YouTubers that talk about narratives & fundamentals of stocks (Patient Investor, Joseph Carlson, Daniel Pronk) - they might be good ideas to get stock picks from or cross reference ideas.
No worries. I made a bunch of mistakes picking funds and stocks when I first started. I bought different REITs and individual tech stocks that ended up tanking. I finally decided to make it simple by investing in the broad market through index funds. Most of my investment is in VTI and a bit in VYMI, SCHG, and SCHD.
I have two types of accounts. Accounts I can’t fully trade in because of tax implications (older investment non retirement) and accounts that I can fully trade in (retirement and newly opened where I can buy what I want with money we have left over after our spending). On the accounts I can fully trade in I am making 22%. I got a bit lucky with Nvidia but the rest is VYMI, VOO, Gold, silver, precious metals mining etf, VONE, VYM. Would have been even higher if I hadn’t put so much into bitcoin. The luck with Nvidia is balanced out by the losses in bitcoin so I call it a solid no luck 22% with a good mix of US and international ETFs and precious metals to hedge for inflation.
VYMI too. Diversify with international funds. And some gold too.
Have some diversity - own some dividend funds, some foreign funds (I like VYM and VYMI), some TLT and some gold.
Int'l value stocks (VYMI) have out-performed US tech stocks (XLK) this year.
love seeing my roth in the green even when ETH is down CMCSA COLD BMY WNTR VYMI I just really love dividends
1) 70% VTI (broad US market) or SPYM (S&P 500, US large cap - pick whether you want the whole market or just large companies, either is a defensible choice) 2) 20% FIVA, IVLU, VYMI or DFIV - international value large caps 3) 10% AVDV or DISV - international value small/mid caps
SCHD SCHY SCHB all equal split DCA over 2 years would be my go if it has to be all stock 300k just my opinion not advice and those ETFs are not absolute and interchangeable VOO VYM VYMI or SPY DIA VEA and so on so forth
VGT, VYMI, and GLD is all you need.
If this were my mess (and it *has* been, lol), I’d think of it in tiers: * **7.7% student loan** = basically a guaranteed, risk-free 7.7% “negative return”. That’s high. I’d be very tempted to kill that first, fast. * **5.5% truck** = not horrible but still chunky. After the student loan, throwing extra at this isn’t crazy. * **38k in ETFs** = I probably *wouldn’t* nuke this to zero. Having some invested + some cushion keeps you from being one bad month away from panic. A middle path could be: * keep a small emergency buffer, * use a slice of the 38k + the whole $800/month to wipe the 7.7% and hammer the 5.5%, * then, once the debts are gone, redirect all that freed-up cash back into VOO/VYMI and tax-adv accounts. You basically get a “debt-free reboot” *and* keep your investing muscle intact, instead of going 0→100→0 again. Not advice, just how this ETF gremlin would think about the trade-offs.
FDVV, FDRR, VYM, VYMI, SCHD, DGRO...any can be used. Pick what you want. The "general consensus" is to keep it simple. Why have multiple funds when 1 is fine.
I like the overall theory but there are international value funds I like better than SCHY: VYMI, DFIV, FIVA, FIDI, FNDF, and IVLU. They do all have higher expenses but worth it IMO.
50% RSP - America's most established 500 companies, actually diversified. 35% SMH - computers and electronics have been the economic engine for decades and will continue to be, whether LLMs continue to grow or get replaced by something "more intelligent", market share may change but the need for chips won't 15% VYMI - established international companies Forget bonds. Bonds move in the same direction as stocks just more slowly. They aren't a hedge any more.
It doesn't make sense to me, but I'm the sort of person who gets ticked off if anyone suggests touching my money, let alone me paying them to mess with it. If I were in her/your shoes I would transfer the Roth IRA to Fidelity, replace GFFFX with GARP (better performance, lower expenses) and NFFFX with a combination of VYMI and either FXAIX, FNILX, or SPYM. Of course, I don't know what the current allocation is in your daughter's portfolio, but here's a quick backtest to show what it might look like when compared to GARP + VYMI + FXAIX -- and this doesn't even take into account the AUM fee being siphoned out of your daughter's money. [https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=1NPb1B2eUs5EdCQZx0bwIm](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=1NPb1B2eUs5EdCQZx0bwIm)
Approx 50% VYMI with little of SGOV. 30% GOOG, 10% PLTR, 10% SOFI. Run the options wheel on GOOG, PLTR, SOFI and maybe 1 or 2 others (eg LMT). When OpenAI ipo's, go more conservative as I think the AI bible will finally deflate after that (like how Netscape was 1995 and dotcom bust start was 2000/2001.
VYMI. Don't let the turmoil in the US fuck your gains.
VT or 80% VTI/20% VYMI (or some similar allocation).
I would do either 100% VT or 75% VTI/25% VYMI depending on my mood :)
VYMI has made new ATHs 3 days in a row now.
I've been leaning more toward VYMI lately. But I've had VXUS for 10+ years and still have a bit. It's really not that bad of a tax drag. Also, the foreign tax credit is incredibly easy to get, even once crossed $200 (tax software has to generate an extra form once that threshold is crossed) I keep a good bit of international as I see more risk than reward in the US market these days. Could be wrong but that's me.
Again, don't look at just US equities. The PE of global stocks is nowhere near the insanity of the US market. VYMI (value ex-US) constituents have a PE under 13.
VYMI keeps hitting ATH. Up 26% this year. And pays 4% divvy.
I don't want to outperform the market. I want to reduce volatility while matching the market. But my port is simple: 36% VGT, 36% GLD, 24% VYMI, and 4% crypto. It's up 33% YTD. Check it out (portfolio 3): [https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=2ctpqtfrMpiWXsGOSJNfar](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=2ctpqtfrMpiWXsGOSJNfar)
I missed that VYMI hit its ATH yesterday.
Lots of suggestions of sticking as much as you can in a Roth IRA over two years and letting it grow until retirement, and if you want this money to grow to the maximum possible, that's the way to go. But, I'm gonna suggest you open a taxable brokerage so you can let this money grow for a bit and then access earlier for a large purchase like a home in 10+ years. You can do this with Fidelity, Vanguard, Robinhood, or Schwabb. Depending on your risk tolerance you could put 70% into a domestic stock fund like VOO/FXAIX for SP500 or VTI for total stock market. 20% foreign stock fund like FENI/VXUS/VYMI. 10% put into a bond fund like SGOV, or pick a municipal bond fund for your state so you don't have to pay federal or state income tax on the dividends. The 90/10 portfolio has worked out pretty well for Warren Buffet. Right now there's no capital gains tax if your taxable income is under 48k (gross income under ~64k) for a single filer. Time will tell if this is still true in 10+ years.
VYM and VYMI are more volatile than SCHD and SCHY.
I'm in a similar position and have been transitioning to VYM. It has little to no exposure to the Mag 7, little tech, long track record of good returns and dividend. Better diversified over SCHD. imo. Also recently bought VYMI for a little international exposure.
A lot of LCV is going to be heavy in FAANGS, NVIDIA, and so on. For example, I just looked at FDRR and the top 3 holdings are NVIDIA, Microsoft, and Apple. But others will be less so -- VTV has no tech stocks in its top 10 holdings. You should be able to see holdings on Morningstar. Ways to avoid: sector funds (industrials and energy seem to be doing well, check on FIDU and FUTY). International value is having a bang up year and has very little technology and certainly no FAANGS etc. You could look at FIVA, JIVE, DFIV, VYMI, or even small/mid cap international value such as AVDV or DISV,