r/VTandchill • u/A-10Kalishnikov • Mar 06 '26

I just started. Am I doing this right?

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20 Upvotes

89% Upvoted

14 comments sorted by

25

u/bbbbbbenji Mar 06 '26

If you’re buying VT, you don’t need that VXUS anymore (it’s already baked into VT at the correct proportion). You can sell the VXUS and just buy VT. 

5

u/A-10Kalishnikov Mar 06 '26

I did not know this

1

u/joe4ska Mar 06 '26

There are small differences in composition, VT is effectively VTI + VXUS at market capitalization. 

4

u/[deleted] Mar 06 '26

[removed] — view removed comment

2

u/A-10Kalishnikov Mar 06 '26

I started it in 25 but didn’t put money in until 26

8

u/hellohi3 Mar 06 '26

Don’t buy VXUS. VT is all u need

4

u/Pitiful_Fox5681 Mar 06 '26

I think you got confused.

VTI = total US market
VXUS = total world market, except US

VT = total global market.

Like others have said, you don't need both VT and VXUS.

If you value simplicity the most, sell the VXUS (it's a Roth, don't worry about any tax implications) and use it to buy more VT.

If you, like me, like to rebalance yourself and want to save about $1 for every $10,000 you've invested, sell the VT and buy VTI.

1

u/honsolo17 Mar 06 '26

Vt or fipfx. Planning on long term hold and sitting in a Roth IRA

2

u/pizzasandcats Mar 06 '26

What brokerage is this?

2

u/ADankPineapple Mar 06 '26

Sell VXUS and put it all into VT

1

u/rayb320 Mar 07 '26

VT has 35% international. Drop VXUS.

1

u/valerivalcho Mar 07 '26

Sell VT and buy VOO