VT
Vanguard Total World Stock ETF
stock NYSE ETF

Honestly just used what options I had available and different ais that all came up with the same layout . Do you think VT would be better? And which VT are you referring to specifically that I mentioned?

No bonds at your age unless you’re very risk averse. Otherwise it looks fine. You could simplify and just go 100% VT is one thing to consider since you seem to want to buy the whole market.

Does putting it all in VT not allow for a three fund portfolio?

Stocks are overvalued like crazy only been funneling because of the ai craziness. This is the longest bull market in history, it can't mathematically keep going or else VT will become 100% USA.
What to do? Keep DCA, diversify and try to ignore the noise..

This is why I VT and chill. 🥱

IXUS and VXUS confused me. I just started looking into this all yesterday, are they not [essentially the same](https://www.etf.com/tools/etf-comparison/VXUS-vs-IXUS)? Also VT and URTH, right?

VT and vtwax does rebalancing for you, and the rebalancing is tax free.
Splitting it up means you have to do rebalancing yourself, and be honest, how often would you rebalance (especially with the potential tax ramifications)? That's my biggest reason, it's a set it and forget it approach.
And the foreign tax credit is extremely small, time spent doing extra filing during tax time likely negates what the credit would give you since in dollar figures the credit is very small, even at $100,000.

Or just VT and chill

Buying VT guarantees you global equity returns at market cap weight.

should i just put it into VT or add VOO as well?

ETFs are generally transferable in-kind between brokers including VT. You would not need to sell and rebuy. However, fractional shares do not transfer and would be liquidated to cash prior to transfer.

This sub will tell you either all VT or all FXAIX with more leaning towards VT.
The gains on individual stocks are good right now but you are taking massive risks doing so. We believe in investing in the broad market with passive low cost index funds. You may not get the crazy highs that you got from nvidia by itself, but you take away so much of the risk.
So I would suggest All VT or a 60/40 split of FZROX/FZILX if you are with fidelity or just generically a 60/40 split of VTI/VXUS in ETFs or VTSAX/VTIAX for index funds.
Also that cash, is that your emergency fund or is that you trying to time the market. You are better off just investing that into VT.

VT can typically be transferred in-kind with any other brokerage.
Only time you would have to sell was if you held a fund that was only available on that platform. (i.e. FZROX on Fidelity)

Buying VT ETF in a Taxable account at Fidelity

VTI, VT, VXUS, VOO are already all sector. They're buying a bag of regular Skittles - multiple colors in one container.
Sector specific investing would be buying separate bags for only yellow, only red, only green, only orange, etc and combining them as you want.
Edit: Added hyphen

People overstate the benefit of the foreign tax credit. Usually in the context of VT in taxable vs VTI+VXUS (or your MF equivalents) in taxable. It's true that VT generally can't claim the FTC. But also the benefit of VXUS is quite small in dollar terms.

Holy....you need some simplicity. Depending on where this is held I would be offloading pretty much everything for VT or VTI/VXUS
Also for long term holds for gld look into gldm. Much lower expense ratio which will add up over time. 

Voo ytd 1.6, VT ytd 3.21. Yeah international gonna have a few years ahead like every single major firm predicted.

If your goal is long term, why does it matter what does well on any day, week, or month? The point of VT is to always capture what performs well over a long term.

I guess 'risky' is the wrong word. I think my issue is with the VT I am unable to track which sectors are doing well. My goal is that I want to learn more about different sectors. and be able to see them fluctuate. with VT its like an umbrella so its harder to track which sectors are doing well.

For example, I want to see how a healthcare ETF is doing on a random day vs how tech ETF is doing on a random day. I dont want to invest in companies. and I dont want to invest in something toooo broad bc i already have that.

and thank you for that article, will make sure to take a look at it!!