VT
Vanguard Total World Stock ETF
stock NYSE ETF

I’m fairly new to investing and I’m not the type to give advice, but find a good strategy that you will stick with for the long haul. VT is a ETF to “set and forget”. If you don’t know why that is, this is your chance to read and find out on your own why it is a good strategy. Many influencers will start throwing their best tickers at you that they found on YouTube. You will get overwhelmed, but I found Ben Felix’s videos to be my go to source for knowledge 101.
May your road be fruitful and never be afraid to ask for help.

We have this conversation like 20 times a day, every day. Nobody has a real answer for you. The entire point of boglehead is that nobody knows what the market is going to do. You’re asking people for financial advice who literally self identify as not knowing.
Generally speaking, US stocks perform better. That has been very much not the case recently. Will it stay that way? Who knows.
VOO and VTI are functionally interchangeable. 80/20 VTI/VXUS is barely different from just buying VT.
People here obsess about tiny differences in their portfolio and it’s so boring. What really matters is that you focus on controlling spending, and shoving away as much money as you can, as early and often as you can. Turning the dial a few percentage points up or down on your specific spread is going to be notice compared to actual financial discipline.

For an 18-year-old, $1,000 is a great start. Honestly, at this stage, 15% in gold/silver might be a bit too defensive. You might get better long-term growth by putting more into VT or SCHG. DRAM is a cool conviction play, but keep it small (10%) since semiconductors are volatile. Focus on consistency and adding to these positions over time!

No.
The most rational portfolio is the one that meets your needs with the LEAST amount of risk.
At $10M, the primary reason for going aggressive on the equity risk premium which is the risk of not accumulating enough, is out of the books for most normal folks.
Maintaining a risk appropriate portfolio is even more important.
Even Bengen doesn’t follow his own allocation (check his interview with Rob Berger about 3 years ago for the revelation) and is even more conservative than 50/50.
So, assuming a long horizon at 10/100k I would easily be “VT and chill”. At $1M, regardless of age, bonds enters the picture.
At $10M? 50-60% VT and the rest on various instruments (that exclude corporate bonds) would probably be my own allocation.

VT and forget about it. Add some BTC if you’ve done your research.

Just add VT, simple done and forget the rest.

More tickers does not mean you are more diverse. In fact, you can be 100% diverse in equities with a single fund, VT. You are actually LESS diverse when you overweight certain areas or leave others out. And you have so much overlap going on here. A couple of the funds are even almost identical. It's like you just took all the popular tickers you see coming up and put everything into that lol.
The best and simplest thing you can do is to just go for market weighting across the full market. There are lots of ways to accomplish this with different tickers from different companies, and you should never need more than 2 to accomplish this:
VT
VTI/VXUS
SCHB/SCHF
FSKAX/FTIHX
and so on, hopefully you get the idea.

VT if you want maximum diversity. Just be sure to stay VT in every account, not just the Roth, assuming you want to maintain maximum diversity.

100% VT and chill.

If you have a link that refutes everything else I've read which suggests the opposite, I'd appreciate it.
From what I've found, VT:
- has a ~53.5% higher expense ratio than VTI + VXUS
- covers multiple thousand fewer holdings than the combo
- doesn't provide tax loss harvesting
- doesn't provide tax credit
- doesn't allow for choosing which to sell when drawing down, which can result in paying more taxes during withdrawals

VT and chill my friend

I’ll admit I had to look up SMH. Yup, sure has done well. But on an absolute level the entire market (as exemplified by VT, less so VOO) has also done well by nearly any historical measure. So much so that I’m preparing mentally for an eventual correction. There remains the old adage, the enemy of ‘good’ is ‘better.’ So I’m going to be pretty dang satisfied with the current, ‘historically good.’

Folks are recommending VT instead of VOO because it gives you exposure to many more stocks, in many more market segments (think big company stock versus small company stock), in both the US and international markets. VOO is just the S&P 500 (more or less the largest 500 US companies). We've gone through a long period of dominance by large US companies, so lots of people just invest in something like VOO, but your risk is that we will not always be in a period where large US companies dominate the world.
But, yes, the idea is to just invest what you can, now. Do not attempt to time the markets (aka, wait for a "good" time to invest). At your age, the best time was yesterday, and the second best time is today.
Good luck, and kudos to you for starting early!

If you want to follow world market cap weight, 100% VT (it's currently 61% US, 39% ex-US). If you want a home country bias, you can do 80% VTI + 20% VXUS. Vanguard recommends 20%-40% ex-US for US investors.

Just VT and chill with your funkopop... Stop trying to pretend your engaging in any critical analysis on a subreddit which repeats a mantra ad nauseum...
That's it.

since 1970
[VT](https://go.princetonasset.com/portfolio/f95a5dbe-fc0f-4010-a793-401662c73658)
[60/40 S&P500/Intl](https://go.princetonasset.com/portfolio/b963c995-61ee-4daf-8059-58f7685e192e)

Most of this could be consolidated to SCHB and chill. Depending on the account, goal, and your age, that is better than most. You should also consider VT and chill to add international.

I will go with either 100% VT or VTI+VXUS with a 80/20 split. You can also spice them up with bonds or factor tilts you're up for it. Here is an [insight](https://www.trylattice.io/share/cmokrgtxl00h9080pyekdvhxp) from trylattice to give you a better understanding.

See above. VT is approx 60% VTI and 40% VXUS.

VT already has international exposure so adding VXUS would just cause an overlap. 100% VT is good enough but if you want to add some spice into it you can explore specific tilts. I actually used trylattice to come up with some good pairing for VT and this is what its [insights](https://www.trylattice.io/share/cmokrgtxl00h9080pyekdvhxp) has to say. Look into and and do your own research. Best of luck to you!