VTI - Don't Bother With VT It's A 'Diworsefication' Of VTI

• VTI, which contains nearly 4,000 U.S. based companies, is already sufficiently diversified.
• Using VT to gain access to an international segment has minimal impact on diversification and actually decreases the quality of the portfolio.
• Even if investors insist on international diversification, VT can be mimicked with a lower overall expense ratio by using VTI + VXUS.

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