

Every dollar you have invested sits inside one account your employer controls, and turning 50 without any outside holdings creates a vulnerability most savers only notice too late. Three ETFs can fix that, but the order in which you consider them matters more than most people expect.

Forvis Mazars Wealth Advisors LLC purchased a new stake in shares of Vanguard FTSE All-World ex-US Small-Cap ETF (NYSEARCA:VSS) during the third quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The institutional investor purchased 3,294 shares of the company's stock, valued at approximately $511,000.

Avior Wealth Management LLC acquired a new position in Vanguard FTSE All-World ex-US Small-Cap ETF (NYSEARCA:VSS) during the third quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The firm acquired 48,606 shares of the company's stock, valued at approximately $7,546,000. Avior Wealth Management LLC



HB Wealth Management LLC grew its holdings in Vanguard FTSE All-World ex-US Small-Cap ETF (NYSEARCA:VSS) by 159.7% in the second quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund owned 18,909 shares of the company's stock after buying an additional 11,627

The Vanguard FTSE All-World ex-US Small-Cap ETF offers low-cost, highly diversified international small-cap exposure with a 3.12% yield. VSS provides geographic and sector diversification, with no country over 15% and no sector over 21%; company-specific risk is minimal. VSS outperformed a large/mid-cap international benchmark long-term but has lagged peers like AVDV and ISCF since 2019.
