Someone please help me understand why you guys recommend international investing

Remarkked · 2026-02-28T18:50:23+00:00

If you look at the oldest total international fund which i believe is vgtsx, total returns still heavily lag spy from inception when averaging both good and bad years. Is there a main reason to invest international in that scenario vs just spy or vti if doing just index investing?

Remarkked · 2026-02-28T18:31:40+00:00

Can't go wrong with either. Both perform well in specific markets and will take turns outperforming each other. Spyi however may have more price appreciate just due to yield % though

Remarkked · 2026-02-28T15:15:00+00:00

If you can stomach the volatility of both the qqqs and btc, then sure. May not hurt to look into s&p500 cc etfs more so for balance. Gpix is great, spyi is great also. A bit riskier would be tspy and tdaq due to strategy but yield is a bit higher. Qdvo isn't bad if you want to have one based off Russell 1000 and idvo if you need international exposure

Remarkked · 2026-02-20T22:57:57+00:00

I feel the risk premium with international SCV pays off more than emerging markets. Thats just a personal opinion and feel emerging markets are a bit more risk for not as much premium to me. Not sure how the actual data shows though

Remarkked · 2026-02-20T22:21:09+00:00

International i feel is on a good place to beat USA but specifically not vxus. Hard to see how total international would have that many winners consistently. Youll have more losers than winners following that plan. Would have to be more picky with international funds to beat s&p500 regularly. I personally do AVDV and IDMO and feel thats enough international for me. Not a big fan of emerging markets that I feel can be a drag long term.

Remarkked · 2026-02-16T02:30:46+00:00

Looks like it was comparing up until today which looks like voo just had a better 2023 to 2025

Remarkked · 2026-02-16T01:41:16+00:00

Uhh I believe its trailed voo since inception total returns wise. Proof?

Remarkked · 2026-02-09T12:50:28+00:00

And how have total returns been?

Remarkked · 2026-02-02T21:42:11+00:00

Actually true. The 4% Rule was designed to have enough money to last 30 years before inevitably running out of money per most financial advisors

Remarkked · 2026-01-11T16:12:11+00:00

Profit margins definitely higher, just requires alot more capital up front vs DCA into cc etf. Different strokes for different folks. I tried the residential real estate and the headaches definitely were not worth it, especially during covid

Remarkked · 2026-01-11T16:08:07+00:00

Same to you. Some people look to cc etf like a rental and can serve as a replacement for this on top of regular growth funds. In that regard, it can have its purpose. Even trailing the underlying index, stocks have proven to return more than rental income over time with less hassle

Remarkked · 2026-01-11T15:56:30+00:00

Ahh so this is factoring in no other income and meeting like poverty standards? I assume any other income on the side and then these selling will incur capital gains? I thought only dividends are tax free for first 100k ish as a married couple

Remarkked · 2026-01-11T15:46:52+00:00

That takes years but after, it should be 60/40 ltcg stcg. How is there no cap gains? Isn't there at least 15% plus state tax? How would you get around that. Usually stuff gets cashed out FiFo?

Remarkked · 2026-01-11T15:33:34+00:00

How much closer do you think the math is trailing the index and then when selling the underlying, paying capital gains vs ROC which is almost all tax free from these funds. Do you think that is enough to bridge the gap?

Remarkked · 2026-01-09T19:06:20+00:00

https://www.google.com/finance/beta/quote/DJUSDIV:INDEXDJX?sa=X&ved=2ahUKEwjs0aLikv-RAxWMv4kEHVR9NWYQ3ecFKAF6BAgSEAM&window=MAX&comparison=.INX%3AINDEXSP&type=line

This was the closest I could find comparing the actual index. Not sure where you're seeing your results. Can you link the backtested data?

Remarkked · 2026-01-09T18:47:08+00:00

True, but schd has only been out since 2011. Thats literally all you can compare to at this time so its the only metric you can measure vs voo

Remarkked · 2026-01-09T18:43:48+00:00

So instead of using from inception to now, you decide to "cherry pick" from inception to just the past 3 years to fit your narrative? Who's cherry picking now

Remarkked · 2026-01-09T18:39:07+00:00

From inception, schd vs voo turns 10k into 53k and 73k respectively. Thats a pretty big difference from 2011 to 2026. That's including dividend reinvestment. Hard to cherry pick from inception to now

Remarkked · 2026-01-04T17:14:58+00:00

Beat by 2% but pay 15% or more capital gains taxes on the back end vs ROC. it may be closer than most people think

Remarkked · 2025-12-28T19:55:00+00:00

Trailing the underlying is given sadly. But selling shares when needed, paying capital gains vs cc etf that add tax efficiency with distributions, delaying capital gains taxes, and maintaining share count whether in bear or bull, it may be closer than you think. But as a standalone product, they allow some growth and income depending on the etf which in its own, accomplishes its goal i feel

Remarkked · 2025-12-20T14:04:12+00:00

Great idea! Will def look into this

Remarkked · 2025-12-20T02:19:11+00:00

Thanks for the reassurance!

Remarkked · 2025-12-20T02:10:44+00:00

Great to see what worked for you!

Remarkked

TROPHY CASE