VXUS
Vanguard Total International Stock ETF
stock NASDAQ ETF

VT is market weighting. I think many of the VTI/VXUS investors want to tilt to the U.S. But only time will tell which approach has better total returns in the future.

If you wanted EM isn't 10% low? Isn't VXUS about 25% EM?

95% of my brokerage portfolio is in VFIAX and VXUS/VWO. Each month I like to buy a stock or two of something like KO, WMT or something with a good dividend yield. Do you guys do that? I feel like it is a little fun to buy some individual stocks rather than just sticking to the SP500. Is this a terrible idea / thing to do?

VTI + VXUS at the same ratio as VT (68:32 last I checked) to get foreign tax credit

Don’t sell VTI, but add in VXUS. Time in the market beats timing the market. https://share.google/p8a5VudXfkNk4fq6j

I recommend VTI and VXUS

Do a combo of VTI and VXUS in the proportion that makes sense to you.

In any given year, VT will underperform one of either VXUS or VTI. It will outperform the other. If you happen to know which ahead of time, well, let's just say Nostradamus's investing strategy would likely look very different to the recommended diversification.

You won’t be able to retire if you don’t invest. Consider that. I invest in a split of VTI + VXUS. How much money you’ll need in retirement is a personal question.

For a million dollars in VXUS you’ll get about $750 in foreign tax credit per year. That’s not nothing but it’s not a lot either. Rich folks don’t get rich by ignoring $750 I guess.

If you need the money immediately, like today, keep it in a standard bank account.
If you need it in the short term, less than a year, park it in an HYSA to fight off inflation.
If you need it in 3-5 years, bonds and CDs can be a better return rate than a HYSA, but the money will be tied up more tightly so that’s a trade-off, a good HYSA rate is still broadly fine.
If you can let the money cook for 5+ years, certainly 10+ years, then a brokerage account focused on low cost broad market index fund (VT or VOO/VTI + VXUS) are your bread and butter.

You can setup a UTMA account at any of the good brokerages like Fidelity, Vanguard, or Schwab. This money is invested by you, but it's owned by the child.
Invest in 100% VT for maximum global stock diversification with a very low expense ratio. This is the easy button. (Or 60-65% VTI + 35-40% VXUS in a taxable account, equivalent to VT but you can claim the foreign tax credit on your taxes. This is a small optimization.)
Keep in mind at some point the dividends in the account, and gains from sales, become large enough that they need reported on the parents' taxes. You would need to give the 1099-B red forms to the parent every year.
You can start a 529 account for them. But I don't like them due to the inflexibility.

Although you're 46, if your plan is to leave your full time job and go down to a 30k a year side hustle income you need to think more like a retiree than someone who at 46 was going to keep the financial train running down the track till 65.
If you're concerned about the US (and you're right to be), it would make sense to avoid long duration (10 yrs or greater) treasuries. VGSH offers 1-3 year maturities, and 100% of my personal bond holdings are in that fund. I would also get some gold exposure though you'll have to look outside the Vanguard family of funds to something like GLD or SGOL for that piece of the puzzle. Also, although VT will give you international exposure you'll you can decide if that is enough for your taste or if you want VTI+VXUS instead. VIOV offers small cap exposure if that's something you want.

Sorry, CAGR is about 3.5% more.
https://testfol.io/?s=0PHaXTyScTb
So, long story short, if you were 100% US stocks since 2010, even with the VXUS gains last year, you're still way ahead.

There’s *so* much overlap in VOO, QQQM, SCHG, and VTI. You really only need one to fill that role, something like VTI or SCHB is fine. Instead of VXUS for foreign market exposure, I’d recommend Schwab’s SCHF, which has outperformed VXUS since its inception and has a lower expense ratio.

Okay.. so you think I should put a higher percentage into QQQM taken from a percentage of VTI with an increase of VXUS and VBR with a percentage taken from VTI aswell?
Thank you

1 SCHD is for over 40you need growth
2 i like QQQM for long term hold QQQ is for trading
3 replace SCHD with international I like VXUS but other are good also

No, VOO is like black and VXUS is like red and holding the right amount of both is like making it so the green 0s somehow make your win too.

I have a little bit of ESGV and GRID. However, in my opinion, ESG investing is honestly just marketing. For example, Tesla is in both of those ETFs. Amazon is in ESGV. I would consider both of those to be highly unethical companies whose consumer goods I would never actively choose to purchase. So at the end of the day, the bulk of my portfolio is still the regular VTI/VXUS. If anything, it's made my portfolio less ethical because now those companies are overweighted.

80% VTI Total U.S Market
20% VXUS International Market
Set it and let compound interest do the rest.