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birb_cromble  3d ago (text post)   733 thread views

Qeekly Finance Thread - 2026-09-12

A weekly thread to discuss financial matters - from personal all the way up to global.

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*Remember that we're all just Internet randos. Don't bet your life savings on a hot tip from this thread.

  • Keep culture war in the culture war thread. Yes, global events may impact our personal finances, but that does not mean we have to incessantly harp on culture war aspects here. If you are going to discuss it, please stick to the practical impacts of it on an individual level.
  • Be kind. Remember that everyone here comes from different circumstances. We all have different resources available and different risk tolerances.
  • Don't let the perfect be the enemy of the good. Better is better. Celebrate people when they take a step up and work to move their finances in the right direction. Don't flame out because they haven't followed what you consider the optimal path. Everybody has to start somewhere.
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Consider VT if you want global exposure with zero fuss. VOO is not a bad choice at all and I wouldn’t worry about diversification past holding it.

The only reason I didn't suggest VT is that a lot of people think it has too much ex-US exposure. VXUS would give him the opportunity to decide his own tolerance levels

Is it not market cap weighted? That's the only thing I would try to balance for. I wouldn't know how to be objective beyond that. But anyway I'm a hypocrite with my core position in VTI.

VXus Tracks the FTSE Global All Cap ex US Index, so outside of tracking error, it should be.

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