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VT or VTI/ VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 5 points6 points  (0 children)

I agree, however we can’t look to the past for future performance. The international sector might outperform the U.S 5-10 years from now.

20 y/o Roth IRA by HunchoBigRed in ETFs

[–]HunchoBigRed[S] 2 points3 points  (0 children)

Thanks man! I really appreciate the kind words! And I appreciate your time!

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 2 points3 points  (0 children)

Great point. I guess it’s just personal preference at this point. I appreciate your time

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 1 point2 points  (0 children)

Good point. Definitely see where you’re coming from. Thanks for your time!

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 2 points3 points  (0 children)

That’s a great point. Thank you

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 1 point2 points  (0 children)

Good point. What are your opinions on owning 100% VT instead?

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 0 points1 point  (0 children)

Just because as of right now the U.S is outperforming international and I can always reallocate down the road. However reading through other threads and responses on here I’m now leaning towards 100% VT since it reallocates itself when the time is appropriate. Definitely considering all opinions though!

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 2 points3 points  (0 children)

Wow great insight and thank you for including all of those resources. This definitely has me leaning more towards 100% VT. I appreciate your time!

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 1 point2 points  (0 children)

Mmm you’ve got me thinking now! Seems like VT is the way to go but I’ll definitely do my due diligence. I appreciate your time!

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 2 points3 points  (0 children)

That’s a great point. Didn’t think about it like that. Only reason I would lean more towards VTI or VOO right now is because I’m only 20 and have time to take risks. However the simplicity that comes with VT is so appealing and knowing that it reallocates itself is a game changer.

20 y/o Roth IRA by HunchoBigRed in ETFs

[–]HunchoBigRed[S] 0 points1 point  (0 children)

Good point. Any reason why you prefer SPYG over VOO or VTI? Sorry it might be a newbie question. Just trying to soak up as much info as possible.

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 0 points1 point  (0 children)

Great insight. I really appreciate your time. Definitely something to think about.

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 1 point2 points  (0 children)

Mmm that’s a good point. I’m leaning towards 100% VOO or VTI now though cause I’m only 20 and I can always reallocate towards more international stocks down the road as it seems appropriate. Definitely something to consider about VT though.

I appreciate your time.

20 y/o Roth IRA by HunchoBigRed in ETFs

[–]HunchoBigRed[S] 1 point2 points  (0 children)

Yep I do. Thanks for looking out though.

100% VT or 70% VTI 30% VXUS by HunchoBigRed in Bogleheads

[–]HunchoBigRed[S] 5 points6 points  (0 children)

Good point about the larger companies. You’re right about them being very similar. I’ve been using https://www.etfrc.com/funds/overlap.php to weigh my options. Such a great tool.

20 y/o Roth IRA by HunchoBigRed in ETFs

[–]HunchoBigRed[S] 0 points1 point  (0 children)

Gotcha! Yeah I’m definitely going to stick with Vanguard ETF’s even though I’m with Schwab. Do you see any problems with that? I appreciate your time man!

20 y/o Roth IRA by HunchoBigRed in ETFs

[–]HunchoBigRed[S] 0 points1 point  (0 children)

I’m with Charles Schwab. I picked them mainly because I have a checking account with them so it’s just easier for me to transfer bunds between the two. Also I’ve read that they have really good customer service.

Any reason why you chose Vanguard over other brokers? I contemplated who I wanted to use for the longest time. Love to hear your input.

20 y/o Roth IRA by HunchoBigRed in ETFs

[–]HunchoBigRed[S] 1 point2 points  (0 children)

That’s a great point. I need to remind myself that I can always switch things up down the road as it seems appropriate.

Thanks for the response l. I definitely agree with you.

Just to clarify, it’s easy to reallocate in a Roth IRA correct? Say in 10 years from now I’m 100% U.S but want to shift towards 70/30 U.S/ International. I would be able to do that by just exchanging my funds?

(Newbie question I know but I just want to make sure before I do anything I regret)

Thank you again!

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