VYMI
Vanguard International High Dividend Yield Index Fund ETF Shares
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It's time to welcome the new money to the world
Just trying to see what others would do with a decent amount saved but with debt...
How much capital needed to generate $2000 monthly?
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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Funny thing, once you bang a few great 10 baggers you don't have to gaf. It is house money and you do your research and pull it off again. Siphon profits to things like VYMI, VXUS etc as you get close to retiring. Metals and real estate are a thing too..
Drop SPY for VOO. They're the same index but SPY charges 3x higher management fee vs VOO. This adds up a ton over your lifetime VYMI is great for international exposure, I love its composition. For funseys sprinkle a little in RVI, VCX, & DXYZ. This will give you the exposure to companies like OpenAI (ChatGPT), Anthropic (Claude), SpaceX, Anduril, and a few other high growth private companies building our future Also Alphabet (Google) over Apple. They're building out the full AI suite for Apple and are just printing money across their various lines of business. They're a monster and a Apple is kinda just not doing anything innovative, they just make the iPhone You're doing great man, buy and hold
I don't "chase" dividend stocks, but I do own/hold dividend paying stocks and ETFs. I am retired and monthly/quarterly dividends provide me with steady additional income so I can pay me bills. I have never understood the theory that selling shares is the same thing. I can't tell you how many Reddit posts I've seen poopoo-ing dividends. Most of my dividend stocks provide me with regular payments as well as having a nice unrealized gain balance. I keep seeing stuff where they are saying "you lose the value of the stock equivalent to the dividend." Well yeah, but that assumes the share value never goes back up. Which, quite frankly, is pretty stupid. Instead you get the dividend payment AND you still own the same number of shares. I have nice unrealized gains on nearly all of my dividend payers. Example, I own 775 shares of EPD which paid me $426.25 today. If I sold shares for income, I have to sell 11 shares. Now I have only 764 shares. Then I'd have sell that many more in the next quarter. No matter how much the stock price goes up, eventually I'm going to have zero shares. Instead I collected my dividend, still have 775 shares and I have a $6400 unrealized gain on the stock. I also own VYMI. I have a $2500 unrealized gain and I collect a quarterly dividend. And still own the same number of shares for the next dividend. Now, I realize that doesn't fit everyone's investment goals. I am retired. My taxable portfolio was built to provide me with income. I also have an IRA that has some dividend payers, but is mostly geared toward capital preservation and growth.
Those are all stocks. $SOUN = Soundhound AI, a very volatile AI stock that's got a short float of about 30%. I'll stare at the chart until I see something I like (read: it's all bullshit, I'm just getting lucky hoping to buy at the bottom or top of the current curve.) I buy or short Soundhound, then sell after it moves 2-3%. Easy $200 bucks after taxes. Stick the taxes in a savings account and the rest into stocks I'm long in. VIG = Vanguard's dividend appreciation ETF VOO = Vanguard's S&P ETF VYMI = Vanguard's international dividend ETF VUG = Vanguard's growth ETF
I’m new to this…can you explain what you mean “day trading $SOUN” and “Stick it into VIG, VOO, VYMI, VUG”?
Not if you just day trade with the same $10k everyday and stick earnings into long positions. I'm making $1000-1500 a week day-trading $SOUN, I just stick it into VIG, VOO, VYMI, VUG and forget.
I hope you have most of your Roth in broad ETF's like: VTI, VYMI, SCHD, SPHQ as examples. Because you have a lot of years for it to grow, yes it will go up & down but over time it will be UP. Don't fall for any get rich quick schemes or quick stock tips as they almost always fail.
I'm 26 I buy a mix of SPY, SPYI,SCHD,VXUS,VYMI and JEPI I just buy whatever's down, I never buy anything at its ATH. I've been buying JEPI only the past few weeks cause it's the only holding I have not near its ATH. I could buy spy yeah l, but I don't buy anything at its highest price it's ever been. That's just a me thing, I'd rather see spy go to 750 and drop down to 720 and buy rather than buy rn at 720.
I just moved from VTI/VXUS to VYM/VYMI yesterday in my retirement accounts. Not a perfect situation, but I'm not comfortable holding MAG7 right this second. VYM's single biggest holding is 6% Broadcom, which I think still mostly benefits from the AI craze as a pick-and-shovel seller. And at least I get some sweet, sweet dividends in the meantime.
My long term allocations will be: (I am 70% towards that goal and slowly moving there) 20% bonds 20% S&P 500 15% SCHD 33% international (VYMI, SCHY, IDVO and VXUS). This is right now the most under weighted and adding some here every week. 6% O 3% MAIN 3% ARCC I may make some tweaks as we go along but I am pretty happy with this so far. The dividend this portfolio produces is slightly over my annual spend so everything is good.
Totally agree with the sentiment on international diversification. I've been doing something similar, not quite 25-30% yet, but definitely increasing my exposure beyond just US large caps. Valuations here feel stretched, and while the US market has been incredible, it's hard to ignore the potential in other developed markets. My main concern is still currency volatility, especially with the dollar's recent strength, but I think the long-term benefits of diversification outweigh that risk for me $SPY $QQQ $VYMI
VYMI is a good price right now.
SCHX is my core holding. Like it better than VOO because it does hold some mid caps. I do 50-50 on SCHG and SOXQ instead of all SCHG. AVUV is a good small cap. I like VYMI over VXUS for international exposure
IMO (sure not an investment advice) now it is fine to accumulate some cash. If you have enough cash - may DCA to some relatively safe and low volatility ETFs like VYM+VYMI. I would avoid any risky 'growth'-oriented investments now.
I have some VT VOO VXUS and VYMI as my long holds and that I play with the rest
First answer the following questions to yourself at least: 1. Do I need any of this 400k for a near term large purchase such as a house, car, major renovations, college expenses, etc. 2. How much $ do I need in cash like funds in case of emergency? Usually no more than 6 months of your monthly expenses. 3. Retirement plans, age/years to go. 4. What is set aside for retirement already? 5. Is my job stable? There are quite a few more you could ask but at least these will help determine how you invest that 400k. If you basically don't need any of the 400k and retirement is down the road say 10 or more years, invest it into index/growth etf's with some possibly in dividend based etf's such as SCHD, VIG, VYMI to help balance the rush you are willing to take.
Be careful with instuments which can significantly erode capital such cas covered calls ETFs, CLO's and so on. IMO (sure not an investment advice) one of the safest combos which has pretty consistent yield and principal growth over long time is VYM + VYMI.
At your age, VYM + VYMI or other dividends based ETF to let drip until you need the income. Alternatively bonds.
Thanks for the input, I also have other funds like VYMI that are international based. There is a good amount of overlap but changing a few of those growth funds which are really old would hit me with large capital gains tax. What I plan to do is each year that the growth funds declare capital gains is not reinvest those gains. Instead, I pay the taxes and the balance gets moved to other funds i already have or a completely new fund based on the current economic/political environment.
This is the portfolio I’m concentrating on. Not sure what I want to trim and what I want to build up. Definitely will keep adding VOO/SCHD and probably JEPI. SCHD 15,866.62 JEPI $6,155.79 MU $3293.28 VOO $3,134.45 NVDA $1,645.29 QQQM $743.49 VYMI $497.35 VNQ $472.95 SCHG $365.16 SHLD $76.79
VYMI is their high dividend international fund. Doing well lately.
The move down in Asian and EU markets, along with the move up in DXY is just crushing int'l today. Good time to cash in some VOO for VYMI. The Asian and EU markets will rebound on the coattails of the US markets tomorrow. And the currency move will revert as well.
Rebalancing from GLD into VYMI today.
It seems like you have a low risk tolerance. Have you considered a bond ladder. I am getting close to 5 % on 20 year zero coupons. You also might consider something more like VYM, SCHD, VYMI and TLT. I would keep at one years worth of living expense in cash and slowly invest as your tolerance allows. Maybe something like : 25% Cash 25% bond ladder 25% income stocks/etf. SCHD VYM VYMI 25% Growth VOO, SPY VTI
VYMI has always smoked VXUS.
VYMI smokes VXUS. VGT smokes QQQ. Add GLD.
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.