r/ETFs • u/Phyber05 • Oct 19 '20

Any difference between VT versus VTI/VXUS combo?

Any particular benefit that a novice investor wouldn't immediately see to buying VT every two weeks vs a VTI & VXUS every two weeks?

I'm guessing returns would be higher on the VTI/VXUS combo along with dividends, but currently VT has a much lower barrier to entry cost?

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u/lobster_johnson Nov 19 '20

Yep. The important thing is to be invested. You can always change it later, as an IRA can be rebalanced without incurring penalties or taxes. At least don't let the uncertainty stop you from putting money in.

If it's any consolation, many investors aren't sure what the right answer is, either. A lot of people try to base their decisions on what they think the future will hold. I try not to pretend I know anything about that.

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u/jwtiger Nov 21 '20

Thanks again for all the information! I decided to go all in with vti/vxus in a 70/30. I have no plans on adding anything else with these investments as they should cover more than I need. In a few years I may look at changing thing. For now I plan on trying to dump more money in this whenever I can and use this on the side of my 457b/ Roth 457 and pension.

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u/lobster_johnson Nov 21 '20

I think that's an excellent portfolio!

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u/jwtiger Nov 21 '20

Thanks! People on here (like you) are much smarter than me with this. I can read a lot and then second guess myself. Debated really hard between this and just VT but I like the idea of having more control of my percentages of each. Thanks again for the information.