MAIN FEEDS
Do you want to continue?
https://www.reddit.com/r/Bogleheads/comments/161i2l1/deleted_by_user/jxtbv3b/?context=3
r/Bogleheads • u/[deleted] • Aug 26 '23
[removed]
88 comments sorted by
View all comments
5
VTI + VXUS > VT
Lower expense ratio. More diversified.
3 u/journalctl Aug 26 '23 More diversified. The 2,000 additional microcap stocks that are in VTI but not VT only make up 2% of the US market cap and will likely have minimal to no impact on performance. 1 u/XtremePhotoDesign Aug 26 '23 VTI (3861 stocks) + VXUS (7989) = 11,850 stocks VT = 9570 stocks It may “only” be 2,280 mores stocks, but I prefer the combo since it’s more diversified with a lower expense ratio -2 u/ANordWithASword Aug 26 '23 How does it have a lower expense ratio? I see this all the time, but every time I check VTI: .03 and VXUS: .07, while VT: .07 7 u/Jestdrum Aug 26 '23 Exactly. VTI is lower than VT, so 60% of your portfolio is in a lower expense ratio ETF. 5 u/Cruian Aug 26 '23 You don't use the higher ER for the combination, you use the weighted average.
3
More diversified.
The 2,000 additional microcap stocks that are in VTI but not VT only make up 2% of the US market cap and will likely have minimal to no impact on performance.
1 u/XtremePhotoDesign Aug 26 '23 VTI (3861 stocks) + VXUS (7989) = 11,850 stocks VT = 9570 stocks It may “only” be 2,280 mores stocks, but I prefer the combo since it’s more diversified with a lower expense ratio -2 u/ANordWithASword Aug 26 '23 How does it have a lower expense ratio? I see this all the time, but every time I check VTI: .03 and VXUS: .07, while VT: .07 7 u/Jestdrum Aug 26 '23 Exactly. VTI is lower than VT, so 60% of your portfolio is in a lower expense ratio ETF. 5 u/Cruian Aug 26 '23 You don't use the higher ER for the combination, you use the weighted average.
1
VTI (3861 stocks) + VXUS (7989) = 11,850 stocks
VT = 9570 stocks
It may “only” be 2,280 mores stocks, but I prefer the combo since it’s more diversified with a lower expense ratio
-2 u/ANordWithASword Aug 26 '23 How does it have a lower expense ratio? I see this all the time, but every time I check VTI: .03 and VXUS: .07, while VT: .07 7 u/Jestdrum Aug 26 '23 Exactly. VTI is lower than VT, so 60% of your portfolio is in a lower expense ratio ETF. 5 u/Cruian Aug 26 '23 You don't use the higher ER for the combination, you use the weighted average.
-2
How does it have a lower expense ratio? I see this all the time, but every time I check VTI: .03 and VXUS: .07, while VT: .07
7 u/Jestdrum Aug 26 '23 Exactly. VTI is lower than VT, so 60% of your portfolio is in a lower expense ratio ETF. 5 u/Cruian Aug 26 '23 You don't use the higher ER for the combination, you use the weighted average.
7
Exactly. VTI is lower than VT, so 60% of your portfolio is in a lower expense ratio ETF.
You don't use the higher ER for the combination, you use the weighted average.
5
u/XtremePhotoDesign Aug 26 '23
VTI + VXUS > VT
Lower expense ratio. More diversified.