VYMI
Vanguard International High Dividend Yield Index Fund ETF Shares
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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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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,
Diversification is the key to prosperity. 36% VGT, 36% GLD, 24% VYMI.
VYMI is up way more than SPX this year.
Hell yes; Sell high or else you die. My rules: Selling into only a rising price. Buying when others are screaming OMG. DCA and ETF is the road to average. S&P ETF entry now is dumb as fk. My ASUS and VYMI my profit dumps now along with gldminis.
This. VXUS is a good one. And not to yield chase, but VYMI is another good one. Has had better growth, better dividend, and better dividend growth than VXUS, though you're trading industry diversity to go heavier on financial sector, though regional diversity remains about the same as VXUS which is nice.
Yeah I actually have that as a good 10% of my portfolio currently. I am looking to pair it up with something else so not just focused on small cap. I may go with IDVO or VYMI. But honestly looking at vxus a second time for just this year...the total returns is very respectable compared to VOO. If the US continues its volatility, I do believe international etfs will do well...but if somehow...the US gets a handle on restoring faith in the US financial systems, then I think international etfs will lag behind US (like previously)...but honestly I don't see any improving of US financial systems...just worse.
Me too. I was looking at my tech and comm and getting queasy. Im just an amateur. Started looking at insurance cos and VYMI, stuff like that
Get some international diversification in with VYMI
Buy and hold VGT, GLD, VYMI would have been so much more profitable.
I did. We do exist. I am VERY happy with my EU and AZN mix. I am a year or 2 from retirement and felt dollar risks made a rotation of profits taken off MSTR and PLTR could go in VYMI, VXUS and also bought airbus and a few other French , Belgian and German cos. Only regret is Dasty, dassaullt software. That may be a loss harvest this year for taxes.
Depends on a lot of factors. I just bought a decent position in UPS on a mean reversion + high div bet. I have VIG, VYMI, DGRO and will be adding PFE and other individual beat down high div stocks soon
To honest, I was and am a bit tempted by SPYI because of the tax optimization and their claim their strategy minimizes losses after bear markets (I imagine this might going easy on the covered calls after the market has fallen). Yet I look at similar Eaton Vance funds like ETV and see how they were permanently nicked during the downturn - ETV is still down 20% from 2007 in *nominal* dollars, though it paid 8% or so for 18 years. SPYI and VYMI don't have a history going back to the 2008. Under efficient market theory, there should be no difference in expected returns of SPYI and SPY. But the same theory says 10 year T-bills have the same expected return as stocks. Oh well. On the, um, third hand, the ability to cash out 12% a year (as untaxed return of capital) means that if you hold on for four years, you're kind of covered for a crash. SPYI is paying 12%, so it is matching the overall market for the past decade. This is something I might buy in downturn.
I'm 7¢ on VYMI away from a completely green port.
I like it.Just don't panic and don't sell it in few years if the market is down.Tech stocks will be great in 15 years. I'm thinking of front-loading $250k now, $100k next year, then $35k a year. Mostly Big Tech(Amz, Apple ,Google, Nvidia, Microsoft + S&P + SCHD, with JEPI/VYMI for dividends and some international balance. Everything reinvested, ignore the daily swings. If history rhymes, that's ~$4 to 6M in 20 years. People will say to just say to put in QQQ,VOO or S&P and forget it.But I would say just ignore it.If you are employed and in 20’s/30’s don't forget to maximize your 401k and if you have kids have 529 apart from tech heavy stocks.
I like it.Just don’t panic and don’t sell it in few years if the market is down.They will be great in 15 years. I’m thinking of front-loading $250k now, $100k next year, then $35k a year. Mostly Big Tech(Amz,Apple ,Google,Nvidia,Microsoft + S&P + SCHD, with JEPI/VYMI for dividends and some international balance. Everything reinvested, ignore the daily swings. If history rhymes, that’s ~$4 to 6M in 20 years.People will say to just say to put in QQQ or S&P and forget it.But I would say just ignore it.If you are employed don’t forget to maximize your 401k and if you have kids have 529.
VYMI is up 20% YTD, and has a 4% divvy.
Check out VGPMX vanguard global capital cycles. It invests internationally in a variety of industries and commodities that aren’t directly linked to US tech. VYMI - vanguard international dividend. These are all blue chip international companies in a variety of industries but doesn’t have commodity exposure like VGPMX VIPSX - inflation protected bonds - this gives you a bit of stability in a highly volatile market that is seeing higher inflation. Retirement is 2-3 decades away. Now is a great time to build up your fixed income part of your portfolio. Vanguard has a wide selection of bonds to check out, but considering the inflationary environment, I wouldn’t put too much into bonds, just add a little bit here and there. Last thing to check out, is precious metals industries. They tend to do well in shaky markets that you’re seeing right now. Putting a couple percent into something like SGDM or GDX, both solid gold miner ETFs can diversify your portfolio. Politically unstable times with shaky financial markets make gold and other commodities more valuable. Do some research, find assets that match your risk and volatility tolerance, and keep on saving!
I had to look up SPYI - it's a buy-write find that sells covered calls. It's so new that there's no history of returns. I have some of the Eaton-Vance version because it's tax optimized - most of what it pays out is categorized as return of capital, so almost no tax until you get the initial investment back in dividends, then any dividend is classed as long term cap gains. The one have is called ETY I think. However, it pays substantially less than VYMI. Inside a retirement fund, the tax strategy doesn't matter, but outside, the taxation makes a huge difference. Caveat: ETY lost a lot of value permanently in the crash of 2008-9, falling from 20 to 8, and recovering to 15.7 today. It took a long time to get this this back in dividends (because you were getting 10% of 10, not 10% of the $20 you put in). Unlike the SP500, it didn't recover when the market bounced back. The lesson I get is that these buy-write funds don't recover nicely after downturns, unlike diverse stock funds. Because of the call writing strategy, they lose out on the gains of the recovery.
I’ve been using VYMI instead of sgov this year and have been very happy.
> Does anyone have any advice on what to do next? My retirement goal is 2035. Speaking for myself, here are my choices, that I'm gradually working toward: BRK-B - it has consistently beat the market, and keeps 35% in cash (T-bonds) on hand for opportunistic acquisitions. Don't time the market. Let someone smarter and more experienced time the market for you. SCHD - boring dividends, paying almost 4%, but total return of 8.5% *over inflation* for the past decade. P/E of just 18 or so, so the valuation is reasonable. Less likely to get pummeled in a bear market. VYMI - Maybe. International dividends. VTV - and other value funds, P/E 20 or lower, again priced reasonably by historical standards. TIPS (inflation adjusted bonds) - paying 2.6% over inflation. But only in a tax deferred retirement account. This is to hold cash and bet on a future interest rate fall (like another bout of Quantitative Easing). If QE happens, they'll shot up in value. I'm staying away from: hot stocks and index funds, because they are heavy with exactly the get-rich-quick, get-poor-quicker stocks like the ones that OP is cashing in. Alternatively, there are equal-weight index-compisition funds out there that contain homeopathic amounts of TSLA. If the $600K gain is not in a retirement account, it has to be carefully cashed out to avoid tax consequences, checking out [IRS capital gains brackets](https://www.irs.gov/taxtopics/tc409). It will be hard to bail out without paying $90K tax. You could even write calls against your gainer stocks to squeeze out more money and insulate against *some* losses if you pursue an extended sale schedule. Eg, a March 26 in the money call goes for 24, about 13% of NVDA's price. But you have to know what you're doing, and assume the risk of a sharp fall if you dilly-dally in diversifying.
Building VYMI position currently. A little financial heavy but my favorite loco fund.
And VYMI is up 26% YTD. When you factor in the "fall of the USD" (from all-time highs, btw) what explains the differential 16%? Have ex-US companies suddenly become 16% more productive? Perhaps...it has little to do with the economy, and a lot to do with investing fads? Nah, that can't be it. It's stagflation! Dooom. Dooooooooom! Run and hide! Bring out your dead!
And VYMI is up 26% YTD. When you factor in the "fall of the USD" (from all-time highs, btw) what explains the differential 16%?
VYMI. Global high dividend. With international, I like tilting towards value+dividend
I've realized that I'm no good at picking stocks, so I'm going for stuff like * SCHD - almost 4% dividend, P/E of about 17 (fair by historical standards) * BRK-B - solid track record of actively managed returns, and they keep cash to time the market (and timing the market works for them, just not for me). * VYMI - for broad international diversification broad index funds scare, because they force you to put money into meme stocks like TSLA and PLTR. I'll take the boring stocks that are still fairly priced by historical standards.
VYM and VYMI got me in + territory this morning.
Exactly why I like SCHY and VYMI
Fair enough. This assumes you already hold a US specific ETF like a VOO or VTI, leaving only the VXUS part of VT out. I would compare VXUS against a three fund portfolio of SCHY, VYMI, and IDMO. A lot of people seem to dislike how ex-US VT is and tend to have 80% in VOO/VTI and 20% in VXUS/VEA. I was hoping to show an alternative to that. I think that my alternative is pretty performant while minimizing drawdowns. Again, I want to show people that there are options out there that are well worth a couple extra basis points in expense ratio and will more than pay for themselves.
Not preparing for a crash, so much as uncertainty in the USA and inflation. I rebalanced large chunks to: VXUS, VEA, VNQ and am holding more cash than usual, in after tax investments. Minor tweaks in retirement funds. The biggest move was putting almost all of the new Roth money into VYMI. Small rebalance to international for rollover.
What's an equivalent to VYMI with decent options liquidity? I'm struggling to find one. It has a better return than IEFA.
My 401k 35% GLD. Will sell after inflation actually looks likes its being dealt with 23% SLV, same as gld. 11% VXUS 23% VYMI 8% money market. If I go back into US, it will be VDC to start. S&P is to heavily dependent on a few stocks right now. And i think small and mid sized are going to get crushed so I think a total market index is not a great prospect. Looking at some more targeted international etfs for the future. All told, I'm up about 17.5% for the year. Most importantly, I am not worried about the my investments. In not convinced we will see a big drop, but I expect a long period of stagnation at least in US equities because using your brain is at all time lows.
24% VYMI 36% VGT 36% GLD 4% crypto (BTC, ETH, etc) Rebalance when out by 5% or more. Use [https://www.portfoliovisualizer.com/backtest-portfolio](https://www.portfoliovisualizer.com/backtest-portfolio) to backtest.
VGT/VYMI/GLD and chill.
VYMI is on a tear this year.
Can someone help me out and let me know if I'm on the right track? VOO - 200 USD so far IVV - 500 USD so far (I plan to max out VOO instead, I was stupid and didn't realise I shouldn't invest in 2 S&P 500 indexes - I will keep this and do not plan on selling it) SCHD - USD 50 Bitcoin - USD 40 Solana - USD 15 Let me know what you think I can improve and what I should continue to do? I plan to add QQQ and VYMI next month. This has been 2 months of investing so far, and I'm 26
How do you define "best non US dividend" fund? There's a lot of ways to cut that question since "best" is very subjective. If you simply want to broad non-US dividend fund - the large AUM ones that I usually look at is FNDF and IDV. There is also VYMI which is kinda like VYM but it's high-yield so it's a bit more aggressive.
It’s really easy. You are making it hard. Put 90% in a high dividend non DRIP account. Mess around with 10% trying to learn trading. If you lose that use dividends and savings to try again. This is the most dumb ass you should indulge in. If you want peak smart do a mix of VOO/VYMI and flip burgers while banging Waffle House waitresses until you get one chubbied. Quit job apprentice plumbing buy VOO and then retire at 40 with 8 kids and hopefully first wife hot due to Pilates’s. If not second wife hot younger and loving towards kids. Ex wife best friend and good co parent. From MCD to Eurodouche.
XSX7/VYMI/VXUS are nice non usa funds.
It would be safer to maybe grab like a VYMI over VGT/SPMO. Full international exposure and pays decent dividends with a great annual return as well. I’ll eventually allocate some funds for VYMI for international exposure. For small/mid caps I hold all individually. Trying to target pure growth potential from the individual stocks rather than finding an ETF, which obviously would be safer and probably smarter long term. I’m still new to investing so I’m still learning a lot.
VYMI is an index found that sounds similar to what he's describing
Sitting in cash right now isn’t a terrible idea if you need the money over the short to medium term, except that high inflation is on the menu this year with a small chance of runaway inflation if the federal reserve is seen to lose its independence (eg by Jerome Powell being replaced with someone who immediately pushes for big interest rate cuts). You would be better off, IMO, diversifying some portion of that morning into other conservative value-generating assets (SCHD, VYM/VYMI, maybe an international bond or real estate fund) and also consider some smaller 2-5% allocations to alternative assets like gold or PDBC. This diversification, even if it’s done with small allocations, can meaningfully hedge against unlikely but dangerous scenarios like hyperinflation, stagflation, etc, while not worsening and possibly improving your returns in the base-case scenario
I personally think VYMI is the sleeper pick right now, trading at nearly half the forward P/E of VYM or SPLV. It may be international equities but they’re all huge global companies just like the S&P 500, just valued much closer to historic means.
Would VYMI work instead of VXUS?
I'd go with IVLU or VYMI. Around 4% income and 1 year total returns around 24%.
Some great options: VXUS - basically the whole market outside the US VEA - the whole developed markets (Europe and Japan/Australia mostly) VWO - the whole emerging markets VYMI and VIGI - international high-dividend and dividend growth ETFs: these are large-cap funds tilted slightly towards value, profitability, and lower volatility VT - the ultimate “I just want average returns” stock, it holds essentially all investable stocks on earth weighted by market cap (size), so you could just sell whatever you have, buy this, and call it a day. Some higher expense ratio options you might want for specific purposes: AVDV and AVES - these are well regarded small-cap value funds for developed and emerging markets FEZ and AIA - these are ETFs of the largest 50 companies in Europe and Asia. If your investing thesis is “I like companies that have already cornered the market because they probably have competitive advantages”, this might be for you
Force lowering interest rates is going destroy USD. VYMI and GLD are better hedges. For cash, BWZ.
VYM and VYMI. Buy and hold.
Don’t invest all of it, try to DCA (dollar cost average) $10k or $20k a month. Broad and low cost ETFs are always a safe bet, so VTI or VOO would be strong options as a core holding. I am 27 and like holding exclusive growth and value funds. I use SCHG for growth and a mix of DGRO, SCHD, SCHY, and VYMI for value and international value. Of course, do your own research. Figure out your own risk tolerance (THIS IS VERY IMPORTANT). Some of my friends lost an arm and leg during April because their nerves wore weak. I help on and have since recovered thanks to my value holdings calming me down. To each their own.
lol, fair. Just trying to educate. IRAs are for the long run. Steady income on almost zero risk options plays or investing all into dividend yielding ETF’s like VYM and/or VYMI is the way to go
BWX and GLD if you have cash sitting around. VEU for intl equities or VYMI if you want divvies. Otherwise, US equities should outpace USD devaluation and inflation. Until it doesn't.
nah. you can always buy in to VXUS/VYMI/XSX7 etc etc. diversifying is also good.
Awesome! Thanks for the info. I have used morningstar for some purchase decisions also. I actually do have VYM and VYMI. I didn't realize those were fixed-income (cause I'm a dope I guess lol). I got them for the dividends. I'm gonna check out those other ones you mentioned too.
I sold heavily in my after tax brokerage, and moved things around in my Roth, around January. Much of that went to diversify internationally. It was mostly USA/VTI type stuff before and I opened big positions in VEA and VXUS. I also added VYMI (to balance out VYM) in the Roth. This was primarily to diversify, but they've all done well compared to the original holdings. I had one lucky win, selling a big block of Amazon in the $220s then fully buying back in at 176. OTOH, I sold a block of MSFT and didn't fully buy back in when it was cheap, so I'd have been better holding there given where it's at. I repurchased some VTI in April but am still over 20% cash. The US leadership is too erratic to not bet on the potential for sale prices at any given time. It's mostly been a wash but even if there was a loss, I prefer the diversification and flexibility in my portfolio now, given the inevitable volatility and erratic leadership for the next 3.5+ years.
I'm up 13.7% YTD having shifted out of US stocks to gold, silver, VXUS ,and VYMI. I feel really good. Might rethink it soon but I have had great peace of mind. US stocks make no sense but whatever. As long as I can get good returns elsewhere.
I did. I had everything in FXIAX (Fidelity’s VOO) and sold during the slide. I didn’t time the bottom perfectly but did OK. I bought back in with a somewhat more conservative portfolio: gold, international funds, utilities, and short-term bonds, plus I put about 20% back into VUG and VOO. So far the SGOL has done the best, with VUG and VYMI running second. VYMI has been more volatile than expected causing me to doubt that choice but I’m holding on. Overall, I’m almost back to where I was in late Feb though I have a far different mix. I’m underperforming the market now but just barely.
I am invested in an international ETF, VYMI, and an international mutual fund. Both are doing very well.