VT
Vanguard Total World Stock ETF
stockNYSEETF

I have 103K in VOO, 20K in VXUS, 100K in VT

Overlap here comes from how the funds are built. VT holds companies from around the world, and the US ones are the same large companies that sit in VOO, which is why the figures above show so many shared names. VXUS holds only companies outside the US, so it has no names in common with VOO, and that matches the 0% shown. Owning all three just means the US companies get a bigger weight than they would in VT alone, because VOO adds more of them on top of what VT and VXUS already hold. So the useful question is what percentage of your money sits in each fund, since that decides your total split between US and non-US companies.

First, kudos to you for recovering from addiction. For investments, don’t chase stuff because it’s talked up online. Almost all crypto is going to zero. Many stocks are going to zero. If I had your current holdings I would sell, except potentially one or two for which you can make a solid business case. The safe, effective thing to do is dollar cost average into cheap index funds like VOO and VT. Consider tech funds like VGT and QQQM, which have higher returns but also more volatility. If you want to bet a small fraction of your portfolio on individual investments, pick them because you can see they are excelling (eg because you are a customer of the underlying business). If you want to lose money faster, trade options.

I don’t care that you can see my hidden post history. But since you brought it up a previous comment of mine, Mr. Detective: I asked the person a question about their opinion on VT/VXUS, qualified my question based on the environment (a dividend focused sub) and they gave me a response that supported their opinion and I thanked them for it. So: 1. Hardly shilling for anything. Since you can go look at my post and comment history feel free to go sleuth out the fact that I follow a lot of different investing subs because I like to learn things. I like to see what other people think about those different methodologies. Mostly I lurk, sometimes I post about things I’ve tried, sometimes I ask questions as to why people think they way they do so I can understand a concept better. 2. To this day I haven’t figured out what karma does so as to why someone would farm it, I’m at a loss. 3. Yes I’m aware of rules on subs. While my post there contained “broad market” in context to my situation, the specific post was about a specific dividend account I opened, the idea behind it and the general construction of it. Cheers

Lol it your only bet. Sell all and transition to VT. Why not sell if you saw them fall?

Over the next 10-20 years it's anyone's guess what proportion of US or ex-US stocks will perform best. US stocks have been on a hot streak since the global financial crisis, but a substantial portion of price appreciation has come from a steadily increasing premium on corporate earnings, which has reached a historically high watermark. The party never lasts forever; reversion to mean is a thing. If you don't have a compelling justification to be something other than global market weight, and assuming you're still at a point where your IRA contributions are doing a substantial portion of your overall portfolio growth, you could easily keep it simple with 100% VT. To be splitting into distinctly different portions of geographic concentration or style box (market cap, value vs growth, etc) I think you have to ask the question - what specifically is my motivation or justification for it?

You can just put money into VT or VOO every month and leave it until you retire. For 99% of people it will be enough so you can be wealthy

VT and chill with a small cap tilt, hard to beat that simplicity

Research - 90% VT + 10% AVUV

It don’t matter just keep the VOO, and start buying VTI. The overlap doesn’t matter, it just makes your portfolio “less pretty”. If you wanna diversify, add vxus for international or just do VT for the entire world

Great job on the saving OP. Keep in mind your IRAs share an annual contribution limit. You should hold all of your bonds in your tax-advantaged account (traditional IRA). If you are sticking to mutual funds to automate monthly buys in your Roth, I would buy 50% SWPPX, 30% SFNNX, 10% SWSSX, 10% SFENX. In your traditional account, you could make a one-time adjustment to 90% VT, 10% BND. You might also consider a target date index fund for your age like SWYJX to keep it simple.

OP is talking about posts exactly like this one. Using terms they aren't familiar with, acronyms etc. Another one below it: "VT and chill". Means absolutely nothing to people who have no knowledge of investing. But people do like to show off their knowledge by talking like this, OP, on personal finance forums, I've found.

Or just VT + SPMO... Holds every possible stock with less overlap. SPMO's benefit is it isn't just market cap or factor weighted and hunts momentum with strict rules, so it's top 10 may or may not overlap the top ten world cap. Doesn't get stuck on any industry and will rotate when needed, best set and forget setup.

Ypu just need 1, VT

Cash equivalents have a place (e.g. SGOV), you totally missed that. Fixed income of all types have a place - be that long Treasury, municipals, corporates, CLOs. You have completely missed all of those. Commodities, or CTAs, managed futures, all have a place and can be a great low-correlation leg to add to equities and government debt. Again, totally missing. If you really wanted simple *and* covering all bases, I think you could list like... VT, BND, SGOV, GLD, DBMF. Something like that. That covers more ground than your list, with fewer ETFs.

VT and chill. It doesn't need to be more complicated than that.

Congratulations! "Quite conservative " is High Yield Savings Account territory. You need to do asset allocation, that is figure out what your buckets need to be. If you don't mind paying up for active management, you can use a fund like QQQI or SPYI to get paid out of the funds sale of options to create yield. There is some principal risk because you are still exposed to the market. If you have enough you can just DCA into SPYM or VT or VOO once a month for a year then just leave it alone. Bucket number 1 should be a year's pay in the HYSA or a CD ladder. Just in case that job goes sideways. The rest should be strategically allocated. I also suggest you get to reading. You need to learn what the "argot" is surrounding risk management.

Since VT already holds both pieces, combining the three really comes down to choosing your US versus international weighting. VT on its own puts roughly 60% in the US, so adding VOO pushes that share higher and adding VXUS pulls it back, which is why it's easier to pick the split you want and hold the fewest funds that get you there.

VT and chill. It covers the whole market including international stocks. You can't do any better for diversification, it's simple, and doesn't require rebalancing.

VT and chill 😎🌏 Everything in the world that's worth owning at market cap weights, tracking the global index. It's country neutral and globally diversified. Simple and easy. Investing is honestly boring (and it should be). I barely ever check my Vanguard account. I keep my costs down, and dollar cost average into VT. Don't get caught in performance chasing or timing the market.

Depends on your weight in each. There are legitimate reasons somebody may own all 3 of these funds. I see people often stick VT in a tax advantaged account and then a VTI or VOO / VXUS split in taxable to take advantage of the foreign tax credit. Overlap is not inherently bad. It may increase complexity, but sometimes the tax benefits or other reasons justify it. Where it becomes a problem usually is when people start collecting tickers like they are baseball cards and fail to understand what they are actually doing.

If you want over all market then get VT, I do VTI and 5% for experimental/individual stocks

VOO has about 60% overlap with VT.  VXUS has about 35% overlap with VT.  VOO and VXUS are disjoint.

I like the DFUS approach (don’t own it, maybe someday), but after a lot of consideration seems a long run for a short slide. In the positive it seems based on a pretty sound methodology, with the flip side that you’re paying for it. What it came down for me is a personal belief that the enemy of ‘good’ is ‘better.’ As a 3 decade investor, being in the broad market, be it VT, VOO, DFUS, or any variant thereof, has been a successful decision. The rest is mostly rounding errors.

For a lot of people, they can claim it's for global reasons, but recency bias is playing a hand here. I remember when everyone on this sub decried international and that you don't need it because "US is international already". Complete with cherry picked backtests showing VOO dominate VXUS. I guess it took a year of higher gains in international and realizing when you're invested in just one country, you're entirely along for whatever policy the current administration enacts to see the merits of international investing? Who knows. That said, if you stuck with VTI through it and didn't question your plan, you'll be fine. At the end of the day, VT is fine. VTI is also fine. VTI and VXUS are fine too. You have to decide on a good enough plan that you are convinced of so you can stick with it for the long term. Your savings rate and ability to stay the course matters most than just trying to find the perfect portfolio which doesn't exist in the first place.