VXUS
Vanguard Total International Stock ETF
stock NASDAQ ETF

You're already 50% in VOO, so dumping even more into it just cranks up your US large-cap exposure even further. That’s fine if you're ok with the home bias, but you’re basically doubling down just on the S&P 500. Consider increasing your weight in VXUS or AVUV instead for more global or small-cap tilt. Here's a breakdown of your portfolio: https://www.insightfol.io/en/portfolios/report/e3d8d2f2b1/

Im expecting a payment of 20k next week and im tempted to just dump it all on VOO (thought about nvidia ngl but I know thats just too risky).
Background: im 38 with a portfolio of VOO 50/VXUS 30/AVUV 10 and the rest in bonds and my investment window is long term (15-20 years).
I dont have any individual stocks but open to suggestions on how to distribute that 20k.
Thank you 🙏🏼

1. Small correction: VXUS also includes VWO so it should be VTI+VEA+VWO. Anyway, I prefer VT/VWRA because of less transaction costs and less hassle to allocate new contributions. If I want to overweight a region, then I just buy additional VTI/VEA/VWO. I would also consider PH equities to be my emerging markets allocation so I would probably eliminate VWO.
2. I don't have any PH bonds but I would only consider government ones instead of corporate since the latter has greater correlation with equities. For US bonds, I own ZROZ which holds very long duration treasuries due to its high volatility and less correlation with US equities. High volatility and less correlation leads to greater rebalancing premium.

Agreed - less tinkering risk, no need to worry about foreign tax credit in Roth.
Also VT in Roth makes it easier to avoid wash sales if you buy VTI/VXUS in taxable

Why so complicated? VTI and a bit of VXUS. Keep it simple, removes the urge to tinker. My own brokerage is mostly just VOO and it’s done very well.

Looks solid overall! Maybe shift a bit from VXUS to SCHF if you want more exposure to developed international markets.

VTI/VXUS/BND is usually recommended for Americans. But VT is not a bad choice

From a bit more research, I think I can stick to VTI/VXUS in both, but turn off reinvestment of dividends. With this, if I ever need to TLH, I can sell for up to 3k tax harvest, and then buy SCHB or SCHF temporarily with that money (or even, just hold it). Can then sell and rebuy VTI/VXUS when I see fit.

VT is better than nothing, but are you genuinely suggesting it’s better than something like an 80/20 VTI/VXUS split?

Yeah, but wouldn't I eventually just end up overlapping my portfolio and overcomplicating it?
Let's say I were to do the ITOT + IXUS in taxable, and VTI/VXUS in Roth. When I want to TLH ITOT+IXUS, I would buy something that is neither ITOT nor VTI, thus adding a third ETF.
With time does this not just overcomplicate things and lead to unnecessary overlap? Or is that just something to expect and accept if I choose to TLH? Do most people TLH?

If it's just fun money, I'd say just try it out for a few years. It slightly lags the returns of a broad market portfolio with a small cap tilt (55/35/10 VTI/VXUS/VB), but it does have lower volatility and drawdowns. I'd personally try and include a world momentum fund like MTUM, combining both momentum and quality in back tests (for whatever it's worth) beats VTI/VXUS/VB but has similar volatility and drawdown to your suggested portfolio ( [https://testfol.io/?s=6aG2rXktKJX](https://testfol.io/?s=6aG2rXktKJX) ).

VUG for large cap growth that has great last year 10 year returns, IJR for small cap growth, and VXUS for international exposure. Remember, dividends in Roth IRAs work backwards. You want to make the benefits of the Roth IRA tax work for you, not against you. Dividend investment ETFs in ROTH IRAs such as SCHD , actually work against the benefits long term.

I would add:
11. VXUS (30%)

VTV and VBR overlap with VTI, so you're mostly tilting toward large and small value, but not in a big way. VXUS is doing the heavy lifting for diversification. Here's a breakdown of your portfolio if you want to know more: https://www.insightfol.io/en/portfolios/report/bff3841c70/

VTI+VXUS
Lower expense ratio and greater flexibility.
VTI 60% and VXUS 40% equals VT

I am about to go into the workforce in ~1 year and i have read up on the investment philosophy. From my understanding I should go 70% into VTI and VXUS for my index funds and 30% into bond/fixed income funds (I don’t know which ones yet). Ideally I put all taxable funds into an employer sponsored 401k and all the non-taxable into an IRA. Then, I leave it until retirement while checking in once a month or so. Is this all correct, or am I overcomplicating it?

Do it yourself. VT and chill... Or VTI/VXUS if you want separate US/international. See the links on the sidebar for the reasons to buy the 'whole market'. Add some bonds as you approach retirement.

drop everything but VTI and then add International with 20% to 40% of VXUS

This isn’t a very boglehead portfolio and no one is going to encourage you to continue investing this way. You’re holdings are full of performance chasing, overlap and uncompensated risk with individual stocks
Instead they will tell you to drop everything but VTI and then add International with 20% to 40% of VXUS

My take: 250k VOO, 50k VXUS, 65k AVUV, 35k VGIT
Easy path: 80/20 VT/BNDW
Not exact numbers, but I wrote those based on feel. But if I were hand-rolling a solution, I would definitely have predominantly S&P500, some international, small cap value, and US treasuries over corporate bonds, in some ratio. If you like VTI over VOO that makes tons of sense too