VXUS
Vanguard Total International Stock ETF
stock NASDAQ ETF

You can transfer to Vanguard and have a vanguard advisor manage/allocate it for 0.3% fee. They’ll most likely use VTI + VXUS + BND and overall the costs will be a lot lower than before.

Hi everyone,
I'm a 27-year-old engineer living in Turkey. I recently got married, and I already own a house and a car. I don't anticipate any major expenses in the next 10 years, so I'm looking to start a long-term investment strategy with regular contributions.
Here's my initial plan for asset allocation:
* **40% ETFs**
* **40% Gold**
* **15% Turkish Stock Market**
* **5% Crypto (BTC + ETH)**
Due to the current uncertain global political climate, I’ve allocated a relatively large portion to gold for stability.
For the ETF portion, my current idea is:
* **80% VOO**
* **20% AVUV**
Since I'm already exposed to gold, I didn’t include a global ETF like VXUS. However, I’m also considering shifting some of the large-cap exposure toward ETFs that have shown strong recent performance, like **SCHG** and **SPMO**. An alternative allocation I'm thinking about is:
* **40% VOO**
* **20% SPMO**
* **20% SCHG**
* **20% AVUV**
I do have a risk tolerance, which is why I’m tempted to aim for higher potential returns. But I’m also worried that I might be overcomplicating the portfolio unnecessarily by splitting it too much.
What are your thoughts on this? Do you have any other suggestions? Thanks.

This isn't exact, but a close approximation:
VTI = VOO + VXF combined into one at market cap weight
VXUS = VEA + VWO combined into one at market cap weight
VT = VTI + VXUS combined into one at market cap weight

What do *you* think a 3 fund portfolio refers to? It’s a specific concept of US funds, intl funds, and bonds. Do you think that just holding any random 3 funds makes it fit what is known as the 3 fund portfolio? The first 2 funds would normally be VTI and VXUS, but VT was created as a combo of those two. So you can have VT and bonds and that is a 3 fund portfolio. There are also funds out there that combine all 3 funds into 1, so you could hold a single fund and it would still fit the 3 fund portfolio description.

For context: Mid 50s, $800k ($400k is in 401k) rest is ready to go into brokerage, unless there is other tax advantaged accounts that i can get into that i’m unaware of (income is above $200k).
Still unsure of bond allocation, but i know it’ll be 50/50 split of equities and bonds. Most of the bond allocation will likely go to BND, but i want to hear opinions.
Like many on here say, trying to treat all accounts as one portfolio, and to my knowledge having almost all bonds and maybe VXUS in the 401k makes the most sense for tax advantages, please let me know if i’m wrong.
Happy to hear suggestions. I know VOO overlaps, it’s intentional.

Add VEU or VXUS for international exposure

Right now the main things I'm long on are VXUS and CALM. The latter is an egg producer, nice dividend, could moon if RFK Jr. lets bird flu get out of control again.

Consolidate MAGS into SCHG , VTI into VOO , sell VXUS for IDMO

VXUS

35 F from the States, just started investing, Would this be a good to start off with? Keeping it fairly simple but also hoping for good diversification. Hoping for long term growth, fairly passive.
* **60% VOO**
* **20% VXUS**
* **10% AVUV**
* **10% BND**
Thanks!

VT is majority US, so if OP is afraid of the US in the long term (to which I disagree) OP might as well use VXUS lol.

You are missing something fundamental to investing in the stock market: everyone else has access to the same information about the economy as you do. By the time VXUS looks “good” to you, you’ll have missed out on the gains associated with that evaluation.
Overweighting the US decreases risk-adjusted return. Overweighting the US and then arbitrarily changing your allocation later makes the outcome even worse, by adding more volatility.

I would add VXUS to taxable. You'll get a minor tax optimization there over holding VT.
Just make sure dividend investments turned on for all these things!

You’re fine. Maybe consider adding VXUS in taxable - even if just 20%.
VT on Roth: peak bro.
TDF on 401k? Love it!
You are a future millionaire. Don’t mess around beyond this. Just invest as much as possible from here on out.

VXUS. Everything else is solid.

My father did fairly well for himself and given his age and portfolio he’s decided to gift stocks that would have otherwise been inherited after his death. I am now sitting on $200K worth of APPL stock in a taxable brokerage account. This accounts for about 20% of my portfolio which is largely VTI/VXUS.
Because these shares were gifted I don’t get the step up cost basis, and I’m torn between selling to reallocate or just holding to avoid taxes.
I have mixed opinions about APPL and am anticipating slower growth but a reasonable store of value. I have no <5 year plans that require a large cash outlay like a house but wouldn’t mind having a larger cash cushion either.

"So would it make sense to buy into VTI and VXUS if their growth may not go much higher?"
I want to make sure I understand, you're predicting that neither VTI nor VXUS will be any higher than they are right now in 12 years? That's highly unlikely. It's likely the next few years won't have as high growth as January 23-January25 had, but still most likely better than sgov on a 10 year timescale. Maybe up the percentage of VXUS to more closely match its market weight.

https://preview.redd.it/6pbwgri02g2f1.png?width=2058&format=png&auto=webp&s=fd6b022143e3effc9a6689670651d209f8e44119
if you are in your 20's I think you are too defensive. I would go more tech. Toss the DIA and the SCHD, combine the VXUS and VT and go with just 1 of those and get more Bitcoin. So VOO, QQQ, VXUS or VT and IBIT

15% of anything goes into a retirement fund. If you had a job it should be going into your Roth IRA. Since you don't, $150 should go into your taxable investment account in VTI/VXUS.
You can never touch this money. Just watch it grow. :-)
The rest goes into HYSA for near term expenses. Good luck!

Bored = good investing. Why does investing have to be fun and complex. Boring and simple is a good problem. VTI and VXUS already cover small caps. If you want greater exposure due to them being more risky then it may be a good option to add. It’s not a big issue, I prefer to have my large medium and small cap as separate ETFs instead of holding VTI. Theres no one way to invest. Sometimes making a portfolio too complex you end up underperforming.