I'm at 30 percent international.
Check out this tool: Vanguard has mutual fund equivalents for all the tickers I mentioned, although I recommend VSS over the fund if you go that route. But nobody really knows what will happen the next few decades... VTWAX is the ultimate in laziness for equities, let the market sort out where you should be.
VTSAX/VTIAX vs. VTWAX. You own the entire market. This. Sometimes I think it is too high, sometimes too low. I'm curious to what everyone's opinions on what you think would be the best allocation for VTSAX/VTIAX would be for a portfolio with a 30-40 year time frame in a Roth IRA.
25. Some years international stocks are a better play and others US stocks are a better play. Posted by 2 months ago. Both VTSAX and VTWAX are mutual funds. I'm just trying to get the best growth possible! Appreciate that, And yes I agree it is hard not to overthink it. Press question mark to learn the rest of the keyboard shortcuts. Quote from: squashroll on September 07, 2020, 01:02:45 PM, Quote from: LWYRUP on September 07, 2020, 01:54:15 PM, Quote from: Indexer on September 07, 2020, 02:12:41 PM, https://forum.mrmoneymustache.com/investor-alley/vti-vtsmx-vtsax/, https://forum.mrmoneymustache.com/investor-alley/vtsax-or-vti/, https://forum.mrmoneymustache.com/investor-alley/practical-differences-between-vtsax-and-vti/, https://forum.mrmoneymustache.com/investor-alley/vti-vs-vtsmx-94736/, https://forum.mrmoneymustache.com/investor-alley/vtsax-vs-vti-for-100k-investment/, https://forum.mrmoneymustache.com/investor-alley/vti-or-vtsax-in-brokerage-account/, https://forum.mrmoneymustache.com/investor-alley/vtsax-vs-vti/, https://forum.mrmoneymustache.com/investor-alley/have-vtsax-considering-vti/, https://forum.mrmoneymustache.com/investor-alley/vtsax-the-unknown-purchase-price/. VTWAX and chill. VTSAX has a higher 5-year return than VTWAX (12.47% vs 9.36%). Try not to overthink it, although I know that's easier said than done. For example; 70/30, 80/20, 60/40 or something along those lines.
You can see VTI/VTSAX and the S&P 500 already get a good chunk of revenues from outside the US, so it becomes a question about where you think most successful companies will from. Think about how COVID suddenly shifted VTSAX towards tech. VTWAX and chilling is definitely not the wrong way to go. Below is the comparison between VTWAX and VT. Personally, I like to have assets that do not correlate well, so 100% of my international ETFs are in EEM (emerging markets with South Korea) and VSS (small cap, ex-US), but these account in value for only 15% of my ETFs because I am more confident in the US market so I lean heavy on VTI. Login with username, password and session length. VTSAX/VTIAX vs. VTWAX.
I was holding mainly VTSAX with some VTIAX, and agonizing on what split I should keep between the two. Close. VTI is cheaper / more tax efficient / lower minimum buy-in, and for most people probably a better option. Or should I just throw in VTWAX and forget it? I think it all comes down to what you're most comfortable with. For me, simplicity is key and so I went with the Total World fund. - On the other hand you run the risk of getting dinged with the cost of the currency conversion when buying and selling, but if you use a bank that … 7-day free trial: Get unlimited comparisons, and stock, ETF and mutual fund analyses for just $14.95 a month, without ads. Similarly mindless, low fees, may require rebalancing once a year which I don’t mind doing. My …
The Fund seeks to track the performance of a benchmark index that measures the investment return of stocks of companies located in developed and emerging markets around the world. Total world market has about 45% by value in ex-US companies. The expense ratio is already low, and will likely go even lower in the years ahead. I'm curious to what everyone's opinions on what you think would be the best allocation for VTSAX/VTIAX would be for a portfolio with a 30-40 year time frame in a Roth IRA. Another important factor is that the future is unpredictable and this seemed like the ultimate hedge. 70% domestic and 30% intl within stock component.
Start a free trial. VEU (developed markets) has a higher correlation with VOO than EEM or VSS. You may also want to check out the following VTWAX comparisons that investors often look for on Finny, You may also want to check out the following VT comparisons that investors often look for on Finny. Total World - Consider the 'Catch-Up Effect' theory. Auto invest 70/30 every week. VTSAX is also a good choice. For our intents and purposes they appear to be basically the same product.
In the next 20-40 years US share of global market cap is predicted to go from 60% to 30-40%.
Buying VTI at the opening price puts you 8 hours ahead of someone waiting to buy VTSAX. None of the options are bad, as long as you stay either at 0% International or between 10% and market cap weight. Vanguard says do market cap, while Jack Bogle and others say you don't need any and don't go higher than 20 percent.
VTWAX is easier.
All our portfolios automatically adjusted. VTWAX is a mutual fund, whereas VT is an ETF. Waxing it up has the advantage that it rebalances according to global market cap. Compare and contrast: VTSAX vs VTWAX. It gives me all the diversity I can get, the fees are a little bit more but the difference is minimal, and it allocates for you. You can also request purchases and withdrawals on nights and weekends, down to the penny. Then, the professional management sorts out the details. I thought market cap is significantly higher than 40% international? Below is the comparison between VTWAX and VT. VT VTWAX Security Type: ETF: Mutual fund: Segment: Equity: Global - Total Market: N/A: Issuer: Vanguard: Vanguard: Net Assets: $12.06B: $2.94B: Expense Ratio : 0.08%: 0.10%: … If you have strong feelings that International is worth investing in, but don't have strong feelings about how much international(or know you want market weight), VTWAX is for you. - On the one hand VTI has a lower MER (0.04% versus 0.16%), but that really would only amount to a $1,200 difference after you'd earned 1 million dollars, so (relatively) small potatoes.
The catch-up effect refers to a theory speculating that poorer economies will grow more rapidly than wealthier economies, leading to a convergence in … VTSAX gets mentioned quite a lot, while I do not see much about VTI. Less than 10% won't make any difference, and more than market cap weight is tilting where you probably shouldn't be tilting. The Fund employs an indexing investment approach to track the performance of the FTSE Global All Cap Index and attempts to sample the index. Per investopedia: "KEY TAKEAWAYS. I still debating forgoing it completely. Go live your life and check it maybe a few times a year. Looks like you're using new Reddit on an old browser. I was wondering the same thing, VTI vs VUN for Canadians. Re: ETF vs. Mutual Fund/VTWAX vs. VTI @Newer_Retiree I would rather hold an S&P 500 fund with a sepatate international fund because the world's largest companies are more represented in this fund.
And yes, at your age, go 100% VTWAX.
Many people have already provided excellent answers but I think this article is relevant: https://www.morningstar.com/articles/918437/your-us-equity-fund-is-more-global-than-you-think. Do you want to? The same could be true about a sudden shift of global market cap distribution. My understanding is that VTWAX automatically adjusts percentages of Domestic vs International based on current market weights of each. One of the groups of the extremes is going to outperform me, but I think I'll do okay. Differences: ETF vs Mutual fund. I have 50% international, gonna knock it down to 40%. This is not typical Boglehead mantra because you are speculating on the future, but the goal is to do a strategy that aligns with your beliefs. They are different share classes of the same investment so for all intents and purposes they basically are the same product. You will also be less subject to currency fluctuations, and still get a good chunk of exposure to international markets via companies’ revenues. VTWAX is the perfect compromise. I also did a lot of research on this but came to a different conclusion.
Are you going to actively rebalance your VTSAX/VTIAX to match this? WAX it up. If you know you want X% of International, then you buy VTSAX and VTIAX with whatever % you want. A static percentage of international stock is not the answer. First off, I am going to assume you are in the US because Roth IRA’s are only a US thing to my knowledge. VTI has a lower expense ratio. VTWAX is a mutual fund, whereas VT is an ETF. Bogleheads are die-hard fans of Jack Bogle and index fund investing in general - Jack Bogle founded Vanguard, is the father of index funds and an all-around inspiration for people who want to engage in passive investments (generally stocks and bonds) for a long-term return that will beat active alternatives. VTWAX has a lower 5-year return than VT (8.3% vs 9.78%).
So, why not just own the whole damn thing and focus your life on more interesting things! What does everyone here think? Like 50-60%?
VTSAX has a lower expense ratio than VTWAX (0.04% vs 0.1%).
Don't over think it. VTIAX in taxable account.
VTIAX has a lower 5-year return than VTI (6.81% vs 13.16%). 40. VTSAX vs VTI. 1 year ago. VTWAX has a lower 5-year return than VT (6.49% vs 9.82%). There's iShares (ITOT), Schwab (SCHB) and others. Or should I just throw in VTWAX and forget it?
VTIAX has a higher expense ratio than VTI (0.11% vs 0.03%). Below is the comparison between VTSAX and VTWAX.
Experts say, if you are going to hold, hold somewhere between 10% and market cap weight (40% or so in 2020). Why is VTSAX favored; tax advantage? VTWAX has a higher expense ratio than VT (0.1% vs 0.08%). It's that simple. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. Note since Vanguard lets you buy ETFs for $0/trade, you don't have to stick with just VTI. For example; 70/30, 80/20, 60/40 or something along those lines. VTWAX would have a slightly higher expense ratio then the VTSAX/VTIAX combo but not by much.