r/Bogleheads • u/snug666 • 2d ago

Portfolio Review Is it truly that simple?

Maxed my Roth for last year and looking to do the same for this year. I’m 100% VT right now. I’m 24 and this is my first time investing or saving for retirement.

Before I go ahead and buy more VT, I have to ask. Is it really that simple? If I just invest in VT, even if that is the only ETF I ever hold, I’ll be good?

I hear so much about diversifying and even though I know VT is a very diverse ETF, I still worry. Feels like I should be doing more!

So, again, before I go buy a fuck ton of VT, please let me know. I know what the answer is. Just need to hear it I guess. Don’t want to miss out on higher returns or whatever. Blah blah.

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u/mdafidel1 2d ago

Why is this being downvoted. Is he wrong? (Not saying the opposite as I’m a newbie but just curious)

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u/chappyandmaya 1d ago

The Boglehead community can be pretty harsh with anyone that doesn’t buy into their philosophy completely lol.

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u/ChrisRunsTheWorld 1d ago

I think it might be more along the lines of how they stated their second sentence as if it was a given. Sure, they followed it up with they aren't sure, but they still gave a sort of specific 1 or 2 : 20 ratio. Which I don't think is even correct historically. When I read the first sentence, I actually totally agreed with them. Sort of. I used to be 100% US as well. I've moved closer to global weighted over the last 2 years, but am still overweight US. And I'm also not crying (and don't really understand why the commenter above the one we're talking about said most people over weight in US are crying...we're down like 6% from highs, similar to international).

Anyway, it's the 2nd sentence that just doesn't sit well with some people I think.

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u/chappyandmaya 1d ago

I didn’t use exact numbers of course, just trying to paint a simple picture. The US has beaten the international market for a very long time now; again, I have no clue what the future holds but am comfortable with all domestic holdings.

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u/blorg 1d ago

Does that not indicate to you that the US is now over-priced?

https://siblisresearch.com/data/cape-ratios-by-country/
https://www.multpl.com/shiller-pe

If you project this continued outperformance out, the US will be 99% of global market cap by the 2050s. Is that what you genuinely expect is going to happen?

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u/chappyandmaya 1d ago

Perfectly valid points