Thanks for watching! Here are some follow-up videos: Should You Invest in International Stocks? kzread.info/dash/bejne/qJiTrcWulL3VY7g.html Tax-Efficient Asset Allocation [5 Steps to Avoid Taxes] kzread.info/dash/bejne/Z6hrq7SThq7Rfqg.html S&P 500 vs Total Stock Market? kzread.info/dash/bejne/eJyItJtscdarfKQ.html Three-Fund Portfolio [The BEST Portfolio!] kzread.info/dash/bejne/hGxlvI-oksioY9Y.html

Always smart to get invested in the world market to stay well diverse and balanced

@nickdoyle-achievefinancial2464

3 ай бұрын

Cheers!

@Sartorialtrucker

3 ай бұрын

@nickdoyle-achievefinancial2464 oil gold and silver plus bond's are the icing on the cake

Spot on. A very smart Uncle of mine who manages a large trust told me to keep 20% of my net worth in VTWAX and act like the money doesn’t exist. He said I should be very happy in 20-30 years.

@nickdoyle-achievefinancial2464

3 жыл бұрын

He's definitely a very smart uncle :) Thanks for watching!

You do such a great job, Nick! I really appreciate your hard work and your content. Please keep it up!

@nickdoyle-achievefinancial2464

3 жыл бұрын

Thanks Shane, I'm glad you appreciate my content! :)

Really great breakdown and analysis. Your pace in explanation made it easy to listen and absorb each segment thoroughly.

@nickdoyle-achievefinancial2464

3 жыл бұрын

Thanks for watching, I appreciate the feedback! 😀

I love all Vanguard ETF's. They have a good selection and they're easy to look into! Thanks for sharing!

@nickdoyle-achievefinancial2464

3 жыл бұрын

They have great investment options. Thanks for watching!

Nick, thanks. This is Totally First-Class, excellent. I'd have a problem trying to decide between WTWAX and a combination of VTSAX and Vanguard's Total International Stock Index (with a smidgeon of VBTLX). Nevertheless I appreciate so much the light you shed on this fund. I was not aware of it. Keep up the great work Nick.

@nickdoyle-achievefinancial2464

3 жыл бұрын

Thanks for watching, glad you enjoyed it!

I was looking to simplify my holdings. This ETF seems like a perfect option.

@nickdoyle-achievefinancial2464

Жыл бұрын

It's definitely a great fund :) I've thought about using it instead of the total US & international separately, but haven't done it yet.

Thanks for such a detailed video on such a dry topic. Didn’t realize how much nuance there was

@nickdoyle-achievefinancial2464

2 жыл бұрын

You're welcome Matthew, glad you found it useful!

Very informative, thanks 🙏

@nickdoyle-achievefinancial2464

3 жыл бұрын

I'm glad you found it valuable. Thanks for watching!

Great video !! Ty

@nickdoyle-achievefinancial2464

3 жыл бұрын

Glad you enjoyed it!

great video thanks Nick

@nickdoyle-achievefinancial2464

2 жыл бұрын

You're welcome, thanks for watching!

Love your summary....I was overthinking on the differences between the two, which uggets to me that I should stop wasting time and go with simplicity in 2023. (I currently hold VTSAX+VTIAX like you).

@nickdoyle-achievefinancial2464

Жыл бұрын

Thanks, glad you liked it! I’ve been thinking about going with simplicity too, but haven’t done it yet!

Buy the world. Own a piece of the world... *of public companies. Then go gamble w weightings or some other strategy if want to try and outpace world mkt with some factor investing or something. GL with that...esp over long time periods. Good point ab fees there and US vs Intl preference and also the other differences. Good job on this. I subscribed.✔

@nickdoyle-achievefinancial2464

Жыл бұрын

Completely agree! Buy the whole market & put your energy elsewhere :). Thanks for your support!

I have 300 shares of VT, along with BNDW at a 60/40 long portfolio

@nickdoyle-achievefinancial2464

3 жыл бұрын

Nice, that's a very simple and elegant portfolio!

Excellent video Nick. I was between VTSAX and VTWAX and you convinced me to go with the total world fund. I like investing into only one fund for simplicity so having separate domestic and international funds was not an option. VTWAX is a great way for me to add international exposure to my portfolio. Thank you for the information.

@nickdoyle-achievefinancial2464

3 жыл бұрын

Hi Chris, You're welcome! I applaud keeping it simple. Sometimes I wonder if I should just use VTWAX :)

@DennisMocheniat

2 жыл бұрын

@@nickdoyle-achievefinancial2464 why don’t you?

@nickdoyle-achievefinancial2464

2 жыл бұрын

@@DennisMocheniat Two reasons: 1. It's not offered in some accounts: 401k, HSA 2. I'm trying to optimize tax-efficiency by holding the funds separately. Overall, my portfolio mirrors the VT allocation.

@DennisMocheniat

2 жыл бұрын

@@nickdoyle-achievefinancial2464 is tax efficiency worth it the trouble rebalancing per VT vs just investing in VT? I understand that VT is rebalancing all the time (can’t even call it rebalance). How often do you rebalance to adjust to VT split between US and international?

@nickdoyle-achievefinancial2464

2 жыл бұрын

@@DennisMocheniat it’s questionable if it’s worth the hassle. The benefit of foreign tax credit varies based on income and portfolio size. For people affected by net investment income tax, it may not even be worth it at all, and make sense to have US in taxable. It might be worthwhile to pursue some of these strategies during working years, but not in retirement. It’s complex. Holding separately has also given me a couple tax loss harvest opportunities. I just change my yearly contributions to keep them at about the right level and rebalance once per year if needed. I have definitely been considering if it’s even worth the hassle lately. I may capitulate and switch to VT.

Thanks

@nickdoyle-achievefinancial2464

Жыл бұрын

You're welcome!

sorry, would you opt for 💯 equity or blended approach if investing in index funds for a long period. Just your opinion

@nickdoyle-achievefinancial2464

2 жыл бұрын

Hi Leslie, I am currently 100% equities, but plan to start adding bonds back to my portfolio in the next couple years. I think it depends on your risk tolerance. I made a video discussing this here: kzread.info/dash/bejne/p6R9lcSpeLunlLw.html. I hope this helps!

What’s VTWAX S&P 500 exposure? I’m thinking about switching to this index fund from VTSAX. I know so many investors that have just recently made this exact switch.

@nickdoyle-achievefinancial2464

2 жыл бұрын

The S&P is roughly 80% of VTSAX and VTSAX is ~60% of VTWAX. 80% * 60% = 48%. The precise numbers can be tracked by looking at the index factsheets and/or using boglehead's wiki which has approximations. www.bogleheads.org/wiki/Approximating_total_stock_market

In your opinion are there any risks to ‘VT’ closing, forcing tax implications upon holders, as compared to VTI and VXUS? I tried searching AUM and daily trading volumes but I cannot distinguish whether VT would have that as a risk or not in comparison. It seems like VT is growing, which would be a good sign? If an ETF closes, one cannot just ‘roll over’ without taxes the money into a different investment in a brokerage account, right?

@nickdoyle-achievefinancial2464

10 ай бұрын

That's a good point. I guess that is a risk with any fund. I think the risk is quite low with VT, and even lower with VTI & VXUS. I guess it's another reason some may prefer to hold the individual funds, but I perceive the risk is too low for me to be concerned.

VT include small caps too or is Msci world + MSCI emergin markets?

@nickdoyle-achievefinancial2464

2 жыл бұрын

Hi Vicen, Yes, VT includes small caps for developed & emerging markets. Cheers!

Hi! Thanks for great video! I have some VT , and also have one question about dividends: there is 0.79$ shown on prospect, but today I collected 0.4$ for each paper. How is it? Can you pls clear it?

@nickdoyle-achievefinancial2464

Жыл бұрын

Hi Tek, you're welcome! You are probably looking at the dividend from 12/23/2021 which was 0.79$. VT pays a quarterly dividend and each quarter is different. The last 4 were: Sept $0.4026, June $0.5978, March $0.2572, and December $0.785. Hope this helps!

@tektor3522

Жыл бұрын

@@nickdoyle-achievefinancial2464 thanks for the great answer! So, how did they find 3.8% dividend income at the present time? And why do they show 0.79$ as quarter payment if it was last year? It is already 3 quarter of 2022….🤨

@nickdoyle-achievefinancial2464

Жыл бұрын

@@tektor3522 Where did you see the 3.8% dividend income, because I don't think the dividend has been that high? The most recent prospectus is from February 25, so it's possible that's why you saw .79.

What's the ticker for FTSE Global All Cap Index?

@nickdoyle-achievefinancial2464

2 жыл бұрын

Sorry, I don’t know if there is a specific ticker for it. I just follow the ticker VT.

Whats the difference between Vanguard FTSE All-World and Vanguard Total World Stock ETF?

@nickdoyle-achievefinancial2464

2 жыл бұрын

Hi Peter, It appears Vanguard only has a "All-World ex-US index," which tracks the FTSE All-World ex US Index. This index track large & mid cap companies in developed and emerging markets (excluding US). The Total World Stock ETF tracks the FTSE Global All Cap Index. This includes the US, and it also includes small cap companies in addition to large & mid. A fund that is more comparable to the "All-World ex-US" fund is Vanguard Total International ETF. This tracks the FTSE Global All Cap ex US Index, excluding US but including small cap stocks. FTSE has fact sheets for these indexes with more details. I hope this helps!

@peterhans8905

2 жыл бұрын

@@nickdoyle-achievefinancial2464 thank you for your detailed answer!

I have VTSAX in my Roth and VTIAX in my taxable account. I would like to add VTWAX, but I don’t know in which account. Thank you for your help.

@nickdoyle-achievefinancial2464

3 жыл бұрын

That's what I do. My taxable is pretty much all VTIAX / FTIHX and Roth VTSAX. I think VTSAX + VTIAX is sufficient, unless you want to simplify by holding the single fund (VTWAX).

@julhe8743

3 жыл бұрын

@@nickdoyle-achievefinancial2464 Thank you, it is greatly appreciated.

@Guest-dl2vw

3 жыл бұрын

@@julhe8743 . Nick truly knows this field well.

@Kyle-kr8ed

3 жыл бұрын

Don’t hold VTWAX in your taxable account because you will not be able to take advantage of the foreign tax credit. Instead, split it between VTSAX and VTIAX at the proportion of your choosing. If you’re using a tax advantaged account like an IRA, 401K, or ROTH IRA, VTWAX is fine.

Does this vid still hold true in 2023?

@nickdoyle-achievefinancial2464

Жыл бұрын

Generally it's still accurate. Some parts like specific % that is US vs international, % in various countries, etc are likely different now and latest #s available on vanguard's site or the monthly FTSE global all cap index fact sheet. Is there a specific part you are asking about?

@josurke

Жыл бұрын

@@nickdoyle-achievefinancial2464 mainly referring to the part on using VTWAX as a single fund for your entire portfolio - and/or VTWAX vs VT?

This or the s&p500?

@nickdoyle-achievefinancial2464

3 жыл бұрын

It depends on your thoughts on international stocks. I match this in portfolio with a combination of VTSAX and VTIAX (or equivalents). I made another video “should you invest in international stocks?” That outlines many arguments for and against. Hope this helps!

@nicostadler852

2 жыл бұрын

@@nickdoyle-achievefinancial2464 im from outside the us so both are international to me

@nickdoyle-achievefinancial2464

2 жыл бұрын

@@nicostadler852 Hah, good point :)

Vanguard for life… one choice that u can sleep like a log when world is down 30% … no joke.. u sleep thr it, buy more when u Hv spare chase and wondering 5 -30 yrs from now… lol

@nickdoyle-achievefinancial2464

2 жыл бұрын

Totally agree, I've been buying every week with every penny I can scrape together ;)

Great video. My only criticism is the portfolio composition section. There was absolutely no reason to list the % holdings from each region and the top few countries. If anyone cares they can just read it off the screen or prospectus themselves. The point of you making a video is to provide insight, not read numbers off a pdf.

@nickdoyle-achievefinancial2464

3 жыл бұрын

Thanks for watching, and for the feedback! I'll consider this when I make future videos.

@Hazelrat10

3 жыл бұрын

@@nickdoyle-achievefinancial2464 I appreciated that part of the video, it was important to show that VTWAX is still primarily US stock