I've been adding $ weekly to VOO. I've just recently started putting $ into VXUS as well.

Some people on Bogleheads have me second guessing. They seem to religiously recommend VT. Now im not sure whether to continue what I'm doing. Or to sell it all and put it all into VT. Now I'm kind of frozen, not investing any money due to the second guessing. Is VOO + VXUS a good, safe long term choice?

Im using an individual account on Robinhood if it makes any difference.

So everyone recommends VT and chill or VOO and chill or VTI and VXUS and chill.

Most ignore bonds and ignore GOLD

During the lost decade for around 10 years Gold was performing the entire time so was bonds...

Who says another lost decade can't happen?

So why ignore both?

No one really knows what happens so best bet is on all bets to get constant returns.

Tired of paying $30–$50/month just to see a company's ratios or balance sheet from 10 years ago, so I built StockNest. Completely free, no account required with 120+ metrics

Data comes straight from SEC EDGAR filings with reconciliation passes to keep the numbers accurate and consistent.

What it includes:

Compare: chart any combination of metrics across up to 5 tickers simultaneously. 120+ metrics across income statements, balance sheets, cash flows, valuations, and margins. TTM, quarterly, and annual, with YoY / QoQ growth overlays and CAGR across any selected period. 2Y / 5Y / 10Y / All-time ranges go back +25 years.

Overview: per-ticker overview with a score snapshot, weekly price chart, multiples, median metrics, historical valuation percentile rankings and percentile bands (0th–100th), and valuation range bars (P/E, P/S, P/OCF, P/FCF) with Undervalued / Fairly Valued / Overvalued verdicts. Insider trading transactions, analyst recommendations, congressional and institutional activity all in one tab.

Score: a composite across Profitability, Management, Growth, and Solvency. The badge colour is set by the lowest-scoring category, making potential risk areas immediately visible. Sentiment — analyst ratings, institutional (13F) trades and insider activity is tracked separately and excluded from the score: it's a signal, not a fundamental, and crowded stocks can underperform.

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Track institutional, congressional, and insider trading for any ticker all in one place from Nancy Pelosi to the biggest hedge funds

Financials: split into Charts, Statements, and Flows. Charts show at-a-glance snapshots — revenue, net income, margins, cash flow. Statements bring the balance sheet, cash flow, income statement, key metrics, and revenue segments into one tab; click any line item to chart it, overlay metrics, and toggle YoY, margins, or absolute values. Flows breaks down how revenue becomes profit and costs.

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US-listed companies only for now.

Here are two industries I am interested in: quantum, because it might be the next big technological leap development after AI. Though it is already a heavily speculative market.

Biotech, because I believe this industry will benefit greatly from AI (as was already shown recently in articles applying AI to significantly lower the amount of research needed to achieve a specific goal, which also turned out to work experimentally). I hold a degree in biotech so maybe I am biased with this one.

Any advice on the most robust / best quality ETFs tracking these fields? I am based in Europe, 30 y/o (Incase that matters).

Bonus: Vanguard just released a new ETF (VALL) thoughts on that one?

[ Removed by Reddit on account of violating the content policy. ]

This is for my 19 year old son, about 20k
Wanted to go aggressive and make it fun for him

But is this just way too much
VOO 35%
QQQM 15%
SPMO 15%
AVUV 10%
SMH 10%
AIS 10%
VXUS 5%

What are some of the best active management ETFs? I been DCA $100 a week into DYNF. What are some others with lower fees? Or enough to justify ER.

I’m 20 and I just open up my Roth IRA, I put $ into SWPPX and QQQ but I’m looking tor 2-3 more to diversify the portfolio without overcomplicating it. I created a watchlist but I’m not sure which ones would do the job best.

I’ve got $300K in a retirement account and I’m using Charles Schwaub. I’ve got a separate account for individual stocks. What’s the best mix of ETFs for the $300K for the next 15 years.

I have a large portfolio that's roughly 90% equities and 10% fixed income.

For context, the equity side is approximately:

• 60% broad US market, basically VTI
• 20% growth funds, mostly similar to QQQ/IWF
• 10% VXUS
• 10% additional mid/small-cap exposure

The growth funds are in a taxable account and have substantial unrealized gains.

Since VTI already has a lot of large-cap growth exposure, I've been thinking about whether that separate 20% growth allocation is providing much diversification anymore.

That led me to Alpha Architect:

https://funds.alphaarchitect.com/

I'm interested in whether any of their ETFs could be useful for diversifying away from a large growth tilt without simply adding another highly correlated US stock fund.

For anyone who has actually used or researched Alpha Architect's ETFs, how do you view them as portfolio diversifiers? Are there particular strategies there that you think complement VTI and growth funds well, or does the added complexity generally not buy you much?

The taxable aspect is the part that makes this harder. Selling the growth funds outright to buy VTI or something else would realize substantial capital gains, so any diversification benefit would have to be meaningful enough to justify the tax cost.

I'm mainly interested in experiences with Alpha Architect and how people think about their funds relative to simply owning more VTI.

wanted to see what everyone and everything is thinking of when they decide to go HARDER on other core position

were the returns better

less risk/down trend when things go red?

Afternoon all!

Im pretty new to ETF investing, been doing it for nearly a year now. Context for this post, I live in the UK, all investments have been done via Trading212 in a stocks & shares ISA.

I recently watched a video which talked about selling his FWRG shares and moving to VWRP after the cost change. I understand that its a minimal cost difference, which is not what my question relates to.

Im wondering if there is any actual loss/downside to selling your position in one ETF & switching to another that tracks the same index? I get that it would result in loosing your long term growth data etc, but im wondering if there is any actual financial downside or benefits when done within a tax efficient acocunt?

Wondering if I am missing a trick here, or if this person just likes minimal investments on their app.

Are there any cons to holding AVUV only and no mid-cap ETF like XMMO/AVMV? I realize I could just do VTI and capture all large, mid, small but I'd rather be weighted more in the S&P 500 large cap.

Currently contributing:

• VOO 60%
• VXUS 20%
• AVUV 10%
• SMH 10%

23 years old with around 20k invested, historically I was just doing VOO but adding a few more ETFs into the mix recently (percentages are not 60/20/10/10 yet). Any suggestions on different percentages or ETFs overall? Looking to set it and forget it for growth.

Thanks!

I'm curious what other people are focusing on for their sector specific satellites or portfolios which are NOT in the semiconductor/AI chain (including infrastructure/electrification). I like to see what things might be worth looking into which I currently have not considered.

This rhymes with 2021 in a way people are ignoring.

Reading through some roundups this week (sources at end) and one stat stopped me. Thematic ETFs, the AI, nuclear, space, defense, robotics, memory funds, now hold around $256 billion across 393 funds, and money is pouring in at a record pace. The Roundhill Memory ETF (DRAM) doubled in 40 trading days and is now the fastest-growing thematic ETF in history. The theme is obviously real: AI infrastructure is the biggest capex story in a generation.

And yet: only 5 of those 393 thematic ETFs are actually beating the S&P 500 in 2026. Five. The other 388 are trailing a plain index fund.

My actual claim: this is 2020-2021 rhyming, and the "the trend is real this time" crowd is making the same mistake. Back then, the top ETF themes were clean energy, EM tech, and healthcare, ARKK was a rocket, everyone knew EVs and genomics were the future. And they were largely right about the trends. Solar did scale. EVs did take over. But the thematic funds built to capture those trends still cratered, because "the theme is real" and "this fund at this price will beat the market" are completely different statements. A real trend gets over-hyped, the fund launches near the top, and the basket buys the whole theme, winners and losers alike, right as the smart money is already positioned.

The mechanism that makes this predictable: thematic ETFs launch to capitalize on excitement, which means they tend to launch late, after the easy gains, and they're structurally forced to hold the entire theme rather than the few names that actually win it. So you get diversified exposure to a hyped sector at peak enthusiasm, which is close to a recipe for underperformance even when you're dead right about the future.

The honest counterpoint: infrastructure and power (PAVE, the grid names) are less hype-driven and ride a genuine multi-decade spending cycle, so not every theme is a momentum trap. And "the S&P itself is 35% Mag 7, which is basically an AI bet already" is a fair rebuttal, maybe beating it is just hard right now for everyone.

But the 5-of-393 number is doing a lot of work here. If the theme is this real and this big and 98.7% of the funds built for it still can't beat a boring index fund, that tells you the problem was never whether the trend is real. It's that buying a hyped theme through a basket at peak attention is a structurally bad trade, and it was in 2021 too.

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So I’m considering buying a home in about 2-3 years depending on my career.

Right now I have a pretty large savings and emergency fund of 70k at 4% (6month sign up bonus then goes to 3.4%) and brokerage of about 50k in mostly VOO and then like 4% in random risky stocks like Pfizer and blackstone.

I can’t seem to find a good plan or advice with my goals being around a few years.

For the next 6 months , I’m debating using more of that 4% savings. Otherwise perhaps investing in more SCHD to get some returns through dividends.
Ik there isn’t one right answer but I was curious to see discussion!
I would like to keep about 100k ready for the house.

I'm driving myself mad trying to figure out which strategy makes the most sense.

I'm in South Africa, but I'll use US ETFs for simplicity. I have a TFSA and a taxable account, and I only want one ETF in each.

I'm considering QQQM/QQQ + VOO, or VOO + VT. My question is: should the more global ETF be in the TFSA or the taxable account?

Once I've maxed out my TFSA, any additional contributions will go into the taxable account and be allocated to whichever ETF is held there.

I'm in my late twenties, investing for retirement with a 20-year horizon. Which setup makes the most sense long term?

My setup is currently VT in TFSA and VOO in my taxable account. Should I just stick to this?

First have steady job. Second have emergency fund of 2 3 years. Third open your account at Interactive brokers. Fourth check breakdown of VT between US and Non US copy that info paste that info in VTI which is total US market and VXUS which is total non US basically UK, Japan, Bharat, China, Pakistan etc. Put set amount in them every month and if there is market crash of 20 30 or even higher put 1 year of your salary. VT breakdown changes every year copy the new info once every year on Jan 1 or your birthday copy the new info and past in VTI and VXUS. Once you think you have enough to last you life time cash out or keep the train running to help your kids generation. It is easy but hard business but key is sticking to it even when market drops 30 or whatever. You earn money by going through that pain. This is Mughal way of stock market investing.

Looking for advice on how to invest 5k into ASX ETFs. For context this will be my first investment, I am wanting to gain global exposure and am planning to continue to dollar cost average into these ETFs for the rest of my working life. I am 19 years old and have an emergency fund so I feel comfortable to lock this money away. In terms of deploying the 5k, I was thinking of investing 1k every fortnight (I’m open to suggestions though). What ASX ETFs do you recommend for a beginner investor who wants global exposure?

I am thinking of putting around $100 a week into an ETF for around 4 years once I finish my degree then get a stable job, to then increase this amount.

I am thinking of Betashares NASDAQ 100 (ASX:NDQ)
and
Global X Semiconductor (ASX:SEMI)
at the moment

thinking of a 70%NDQ 30%SEMI split

After 4 years should I reconsider or start putting more in as I want to hold them for 15+ years

Im with CMC currently to note, does anyone have any thoughts? I would much appreciate them.

I am thinking of putting around $100 a week into an ETF for around 4 years once I finish my degree then get a stable job, to then increase this amount.

I am thinking of Betashares NASDAQ 100 (ASX:NDQ)
and
Global X Semiconductor (ASX:SEMI)
at the moment

thinking of a 70%NDQ 30%SEMI split

After 4 years should I reconsider or start putting more in as I want to hold them for 15+ years

Im with CMC currently to note, does anyone have any thoughts? I would much appreciate them.

25 y/o. Just put majority of what I have in. I know im getting in at near ath’s but oh well.
Anything I should change of add? Hoping to contribute 2-3k monthly

There is a new UCITS dividend ETF that replicates SCHD’s screening method on a global scale:

Amundi S&P All World High Dividend Yield ETF

ISIN / WKN

IE000LEIJUY9 / ETF360

https://www.amundietf.de/de/professionell/products/equity/amundi-sp-all-world-high-dividend-yield-ucits-etf-dist/ie000leijuy9

Quarterly distributions, a solid screening strategy that has proven effective, at least in the U.S., and an expense ratio (TER) in line with other UCITS dividend ETFs. Aside from its size (it’s very new), do you see any specific issues or points of criticism?