VXUS - Vanguard Total International Stock Index Fund ETF Shares 0 WATCHERS

I bet your portfolio does better than my portfolio of VTI, VXUS, BND and BNDX. Diversification is overrated.

2.5-3M in ETF. 67% VTI, 23% VXUS, 10% BND. (See lazy portfolio). 500k-1M in HYSA so you have dry powder for future investments, cash flow, and emergency funds. I'm at about 3.7M right now using this strategy but still running a small lifestyle business so need a bit more cash. …

how i'll be adjusting my portfolio for 2026 -- and some fun predictions! As we all know, 2025 has been a great year for equities yet again, with major indices significantly outpacing historic gains. Personally, as far as an AI bubble is concerned, the market still has legs to run …

I think 80% VTI and 20% VXUS would be a lot simpler.Want some more growth? Put 10% into SCHG.

Current balance Current balance in my swabb account This is my balance from a previous employer for my 401k and transferred into a traditional ira. Im very new to this. Should i take all of this and put it into a roth ira? Also considering doing 80% VT with 20% …

Overwhelmingly VTI and VXUS But to your specific question, also a small portion to QS as my high risk potential high reward, if they can figure out how to scale a viable solid state battery tech… already up over 2x from buying in some in 2023-2024, but probably adding some …

You are overthinking the precision. Schwab doesn’t do fractional ETFs, but their mutual funds allow exact dollar investing. Swap your ETFs for Schwab’s mutual fund versions (like SWTSX for VTI and SWISX for VXUS) to hit your exact 80/15/5 split and invest every penny. If you stay with ETFs, put …

Did I make the right choice going with Schwab? Have my Roth IRA opened with Schwab. Currently have 7 VTI shares, 5 VXUS shares, 6 SCHG shares and 34.6 SNXFX shares. Put in the amount monthly in order to be able to max it by the end of the year …

GLD followed by CXSE, VXUS and DXJ Put a aubstantial amount of my portfolio in these ETFs from Oct'24 to Jan'25

If you have the $1.2M invested in broad stock market ETF the dividend income will be about 1.2%/yr, or around $14K total. Any distributions you make, such as for house expenses, are subtracted from the trust income and taxed at the tax rate of the recipient. Assuming this is an …

I’d probably allocate 50/50 into VTI and VXUS. The amount of time it takes to read the material to effectively actively manage capital is daunting. It is people’s full time job. To make a high conviction pick one must truly understand the business, market dynamics, and industry. Otherwise you will …

80% SCHB, 15% VXUS, 5% degeneracy

Congrats on maxing out both Roth IRAs! That’s huge, especially while paying student loans. Your plan with VTI/VXUS is solid.

VTI, VXUS, and VGT

I'm 68, and retired, and believe in owning stocks and not bonds. They don't need the money now and have 7 to 10 years ahead in the accuulation phase. There is no reason not to be 100% stocks. I prefer 80/20 VTI/VXUS but the Schwab equivalents will likely perform virtually …

twenty years is a long time. I'm not a huge fan of these positions usually but I'd have to go GLD, VOO and VXUS. Individual stocks are just out of the question.

Congrats man, that's a huge milestone. Maxing two Roths while paying down student loans takes serious discipline. VTI/VXUS is solid. Set it and forget it. Keep that momentum going into 2026.

Feeling accomplished for 2025. Spouse and I were able to max out both ROTH IRAS!!!!! A little background I started investing when I was 26 years old but never have been able to max out a ROTH. I am now 30 years old and I managed to max out both …

VOO, VTI, VXUS, QQQ, SMH, and VT all at the same time.

45/30/15/10 VTI/VXUS/AVUV/AVDV presently

VOO VXUS Gldm Sgov Nvda Bnd

30% - VOO (Vanguard S&P 500) 20% - VUG (Vanguard Growth) 15%- VO (Vanguard Mid-Cap) 20%- VXUS (Vanguard Total International) 15% - VB (Vanguard Small-Cap)

Invest in ETFs or 5.75% mortgage, or both? Hi all, I’ve been browsing several investment and homeowner subs and I’m still unsure what makes the most sense financially. From what I’ve read, the consensus seems to be that the decision basically depends on mortgage interest rate. Seems like ~6% is …

Roth IRA then what??????? I’m 27F and my husband is 28M. Currently have a fully funded emergency fund of 6 months full living expenses (not including monthly Roth contributions) in a HYSA making 4.1%. We have another $2k sitting in our bank account, $1k in savings and we always keep …

Index fund (VT, VTI, VXUS, VOO, SPUU if you want to get frisky). Stay liquid, get larger gains (in all likelihood) and retire a few years earlier than you would have with a paid off house as well as a massive pile of cash

What fund are you talking about? The global VXUS index etf has beaten the US VTI index handily this year (+27% versus +16%)

Investing with three accounts We're a couple aged 55 and 60 with three accounts: (1) a brokerage for post-tax money, (2) an IRA for the one who's 55, and (3) an IRA for the one who's 60. All three accounts have mostly equities, hedged by bonds, gold, VXUS, and commodities. …

VOO/VTI and VXUS

You're young. Go 35% QQQ. 30% VOO. 10% VT. 10% VXUS. 10% BIL. 5% IBIT.

80/20 VTI/VXUS is pretty solid and keeps it simple - SCHG might be overkill since VTI already has growth exposure For the years thing, you can contribute to 2024 until April 15th 2025, then after that it goes toward 2025 contributions

Where should I put $2,250 into my Roth IRA? We are 27 and 28 and each have $2,250 to put into our Roth. We are both currently invested pretty much fully into VTI. Planning to do mostly VTI and add in some VXUS and SCHG with the $2,250 but not …

I have a core portfolio that I continue to DCA weekly into: US equities (40%) 10% BRKB 5% COF 5% MSFT 5% SPGI 5% V 10% VTI REITs (15%) 5% LAMR 5% O 5% VICI International (20%) 20% VXUS Bonds (25%) 10% SGOV 10% state specific munis 5% TLT I …

Go read /r/bogleheads. You can pretty much ignore anything else on reddit. You even have to ignore some stuff on /r/bogleheads when the market isn't doing well and people are freaking out. The bogleheads.org forum is probably slightly more reliable. But the subreddit is great by reddit standards. If by …

To keep it in cash, no To buy VXUS, yes

You lost 200k and this is what you want to go with? Please just use 2-3 index funds and call it a day. Personally, I would just do VTI + VXUS 70:30 and call it a day. Sleep really well at night too. And with 10k/month, baby you got a …

I feel the US political system is less stable than I would like and US debt is getting out of hand. As such I moved an additional 5% of my portfolio from VOO to VXUS as a small move away from US equity.

Stop trying to time the top. Selling triggers taxes and cash drags returns. You’re 25. Volatility is the price of admission. I would just direct new contributions to VXUS.

Help on Current Portfolio Hello! I’m a 21 year old college student, set to graduate soon! My oldest brother got me into investing and I’ve already made a few mistakes and took my initial $100 investment into individual stocks out after only a month. I did some research for my …

You already have 5% cash, why would you need to sell QQQ to get cash to invest in VXUS? Just put your existing cash in VXUS and then turn off any dividend reinvestment across your other positions and let your cash rebuild on its own over time. This also lets …

VXUS is great but why do you want more cash? Hold what you have and put future contributions into international exposure. Stay invested with all your cash other than an emergency fund and what you may need for any big planned purchases.

Sell QQQ to increase cash pile and international exposure? I'm 25 years old and my portfolio is 65% VOO, 20% QQQ, 5% BRK.b, 5% cash, 5% Individual stocks. This puts roughly 50% of my portfolio into tech stocks and it might be wise to diversify at the top. I'm considering …

Transferring pension balance after a job loss to a rollover IRA Pension transfer will be $275K and looking for recommendations for investing. Currently thinking 70% in VOO, 10% in SCHD, 10% in VXUS, and 10% in SGOV. Will invest $50K at a time vs all at once. I am 55 …

As a beginner forget all of these and buy VTI/VXUS.

As a beginner you should buy VTI and VXUS. Don’t buy anything else unless you can articulate a clear thesis why you want to own that individual company.

Is this index fund split good for my brokerage account (19 years old)? Initially, I was planning on going 80 VTI/ 20 VXUS, but I am now kind of tempted to go with 70 VTI/ 25 VXUS/ 5 QQQ. Does anyone have any opinions on this? Honestly, any opinion on …

An ETF like VT is going to give you the most diversification. It is roughly 60% VTI which is the total US stock market index and 40% VXUS which is total international. VTI is pretty close exposure to the S&P 500 (VOO) but also includes mid and small cap companies …

I personally do 80/20 DFUS/DFAX as an alternative to VTI/VXUS. I believe DFUS is superior to VTI because it uses academically-informed flexible implementations like filtering out junky small caps and delaying investing in IPOs (there's a YT video by Ben Felix on this). These strategies should allow it to beat …

What's your opinion on DFUS/DFAX? For long term equity exposure, understanding VTI/VXUS or VT is widely recognized as the best approach, I'm curious what the communities' view of using DFUS/DFAX instead? I find DFA's strategies quite appealing with relatively good track records so far (while acknowledging its somewhat short history). …

if you are worried about the US dollar invest in unhedged international ETFs. VEA introduces you to develop market currencies like the yen and euro, so if those currencies strengthen against the dollar then they go up whatever % the usd goes down. VWO exposes you to places like China …

100% in VTI is a solid start but I'd probably add some international exposure. SCHF has developed ex-us large cap, but you can just buy VXUS at schwab as well.

Despite great recent returns and "growth" in the name, SCHG should not have better expected returns than the market as a whole. In fact, long term has tended to favor the opposite: smaller caps and value. >We are pretty much 100% into VTI in all of our accounts including our …

Portfolio Splits So after spending probably way too much time (or not enough 🥲) I’ve narrowed my prospective investment split into 60/20/20 QQQM/SPMO/VXUS. I figure QQQM at least for now will be more cost efficient for me as I’m looking to put in about $1800-2000 a month into my brokerage …

That’s unfortunate. You know if you go to the casino they’ll give you free drinks while you waste your money. Can’t say the same sitting at home getting wrecked. Remember you can also put 100% of your funds in broad market indexes. Say 80% VTI and 20% VXUS. You will …

3/10. I tested your portfolio for the past 5 years and it would have done more or less the same as VGT performance alone. It’s an annualized return of 20%+ which is excellent compared to S&P500 at 15% over the last 10 years. All your performance comes from 2023 spike. …

There is a whole world in-between the two extremes. My shifts to GLD, SLV, VXUS and VPL beginning in Feb has been very, very rewarding as I watched Tariff and uncertainty mess with the system as it tries to understand where it really should be. Ive been slowly pulling out …

For me, BRK is my medium sized downturn hedge. I am planning a 1 year expenses cash + 25% VXUS + 45% VTI + 15% BNDW + 15% BRKB. The premise is that BRKB will buy companies if we see a moderate-to-significant recession as well as market sentiment will flip …

I'm 30% VTI, 30% VXUS, 10% SGOV, and 30% individual stocks (usually hold 3-5 individual companies). My individuals do much better than my ETFs, but I understand the risk that 1 bad news story can tank one of my stocks. My individual stocks are all short term holds usually (<1 …

VTI/VXUS 60/40

Time in the market is better than timing the market. If you want to diversify, increase your contributions to VOO or invest in VT, VTI/VXUS for some international tilt.

Depends on how much risk you want to take on. You can't really go wrong with long term holding VOO/VTI, or if you want international exposure, some combo of VOO + VXUS/VEU or just VT

Look into setting up a Roth IRA. It’s a tax advantage retirement account where future withdrawals are tax-free as long as you’re older than 59.5 years old and the account has been active for at least 5 years. There are some caveats where there’s an annual limit on how much …

AMZN, CRWV, META, NVDA, UBER are what I'm riding into next year. And a bunch of VOO/VXUS

Should I (would you) sell VGT/SMH/FTEC/XLK and maybe MGK and just buy something else? Should I (would you) sell VGT/SMH/FTEC/XLK and maybe MGK and just buy SPYM, SCHB+SCHF, or something else? in other words, would you sell VGT/SMH/FTEC/XLK/MGK and buy something else? in case the tech/AI bubble pops or something …

VXUS is up over 20% in the last year. The SP500 is only up 12%. I feel like that is relevant.

VOO and SGOV If you gamble, you'll lose it. You can't beat the market and whales are out to steal your wealth. If you're asking then put it in A) Roth IRA, B) HEALTH SAVINGS ACCOUNT C) 403b D) Traditional IRA E) in a brokerage with 60% VOO and 40% …

Voo and chill but... some VXUS and chill.

More VTI. VTI carries the whole portfolio. Today VTI up 1 percent and VXUS and BND doing their usual nothing.

VXUS go brr

Nothing quiet about VXUS vs VTI ytd % 🤷‍♂️

If you just want to invest in one stock, it has to be GOOGL, the only self sustaining giant. If you are looking for some diversification 70%VTI 20%VXUS and 10% GLDM and chill😎

High returns + dividend: QQQM, VIG, VYM Diversified: VTI, VXUS or VOO, VXUS

Looking for a devil’s advocate for my strategy I (33M, in the US) started “investing” (gambling) on Robinhood in 2019 with whatever was leftover from my paychecks. As it has grown to become a meaningful amount of money, I wanted to actually use a diversified strategy to set-up for a …

Am I making a good decision? Okay so I’ve finally decided how I plan to invest and just wanted to make sure my plan is spread enough. I want to keep it simple and go for long term so I’ve decided to go with a 80/20 split brokerage along side …

VT is VOO+VXUS (or more accurarely it's VTI+VXUS). VXUS is VEA+VWO. VEU doesnt have small caps, so it's like international VOO and VXUS is like international VTI. To be the most diversified in the simplest way, just buy VT. Just buying VT is the optimal strategy for the average investor.

VXUS zero overlap with VOO VT is 89.5% overlap with VOO Have a look at etfinsider to see what I'm seeing.

80% VOO 20% VXUS

Help me choose PLEASE new investor I've been going crazy lately trying to figure out how to diversify. I am currently 100% in VOO and I've been meaning to start going a bit international. With that said, I've been losing my shit figuring out if I should do VXUS, VEA …

Please OP. I also lost 500k in total in last 6 years hodling penny stocks, trading stocks, trading options, day-trading. Please for the sake of god. Do not trade again! I learned over and over again that broad market ETFs are the way to go. Depost rest of your money …

Voo and VXUS or just buy VT. You could do just VT and when there’s dips in QQQ buy that or QQQM. Vanguard total stock (VT) has a mix of US stocks and some international stocks like Taiwan semiconductor.

If I started a youtube channel where I only recommend VGT, QQQ, VOO, VTI, and VXUS. Would people watch it? Don't Invest into Nvidia instead invest in this ETF instead... Most Youtubers underperform this ETF... This ETF is about to go parabolic...

Adding to VXUS and BND

VTI/VXUS/BND and chill

I lumped sum $500k into 80% VTI and 20% VXUS a few weeks ago thinking I was being smart. Now I’m down $17K…oh wells. Won’t be touching any of this until 15 years later.

Don’t you think the AI bubble fears paired with the state of our gov is a little concerning? Newbie here. I’ve had just a small amt of VTI/VXUS since July, I’m not asking this question for the sake of my holdings. I’m more so curious - at what point do …

Why are you holding a stock that you know is clearly overvalued? Sell it and buy a reasonably priced ETF like VXUS.

If you're only going to have two ETFs and one is VOO the other one should be VXUS.

I invest biweekly 250$ and this is my split. Should I change anything. I am only interested in long term investing GLD: 25$ SCHD: 25$ VOO: 25$ VWO: 25& VTI: 100$ VXUS: 50$ I want to have a more diversified portfolio just not sure how to do that. I usually …

New to investing. But why is VXUS down? It has nothing to do with US market yet they're down.

Personally I'd do VTI/ VXUS and BND and chill. If they have 8-10 years, just dump it at once

VTI, QQQM, VXUS

It's kinda diversified with 500 stocks. but you might want to add VTI (for total market) and VXUS (for international exposure).

Do they sell covered calls on it? I specifically bought a bunch of MSTR just to sell CCs for income. Made my mortgage "free" every month. I turn around and put the same dollar value in QQQM and VXUS. Yeah MSTR has crashed, but my cost basis now is effectively …

- 50%: AVUS (or VTI): broad US total stock market, AVUS tilts slightly to value and small cap - 30%: AVNM (or VXUS): broad ex-US stock market, AVNM tilts slightly to value and small cap - 20%: SPMO: us large-cap momentum, captures upside of megacap tech (QQQ) or valuation-driven (SCHG/VUG) …

I think your better off buying VXUS and getting some international exposure. If you want to reduce exposure to the MAG7

What’s the bump on VXUS this evening?

40% VUG 40% VTI 20% VXUS

VTI, VXUS, SMH

VTI- 70% VXUS- 20% IAUM- 10%

VWENX & VTI,BND & VXUS

Meta & Average Cost Basis Hello people of this sub. Nice to meet you all. I recently (10-15 days ago ish) bought shares of META at 631.91 (\~$632 )and havent made any more contributions until this morning, where I bought 1/5th of the original amount at 596.52. The initial loss …

VTI, VXUS, BND

VWO; VXUS; VEVE

I would hardly even call it a correction. Look at [VTI and VXUS year-to-date](https://testfol.io/?s=d73ZYbbQQTO), which represent the US and World-Except-US respectively. They are up 13.90% and 27.71% respectively. Just looks like a little sawtooth correction that lasts slightly longer than normal. Sheesh. Yes, I know certain economic indicators are bad …

What you're saying is better achieved through factor investing. Basically, you keep VOO/VTI as a major portion of your stock investments, and then add tilts like value, dividends, small cap, sectors like real estate, etc. So you can have something like 50% VTI, 20% VXUS, 10% VTV/SCHD, 10%VB/VBR, 10% VNQ, …

if you already have a big VOO position, consider international ETF. While international has underperformed overall, this year has been stronger than S&P and I feel there is still ways to go. VXUS is the ETF.

I would recommend VTI + VXUS for maximum diversification benefits. That said, it would not be very different from choosing FZORX + FZILX, if you wanted the no expense ratio from the fidelity-only funds.

I personally think that a port of VOO VXUS and maybe bonds if you wanna be real safe is all you really need. Sure it may struggle at times but overall it’s usually better to work smarter not harder. Or trust others with your money.

I also recommend VTI VXUS BND + GLD + FBTC + BRKB and if feeling conservative, SCHD

How long before you need the $300k/year? There is no reason to focus on dividends. Back in the days when there were commissions on stock purchases and sales it could have made good sense, but now those are no cost transactions. Focus on a total return strategy and just sell …

I looked at the sectors that went up and the ones that went down, not just today and yesterday, but in the last couple of gyrations. I consider this to be like tremors ahead of the big earth quake that is yet to come and by looking at the tremors …

I'm at 6.5% bonds and quit my job a week ago. I'll be 51 in early 2026. Soon as I get my last paycheck I'm going to roll over my 401K to my IRAs and re-assess if I want bonds. I might put that % in VXUS instead since I …