# Mustachian Introduction - Pol

**URL:** https://forum.mustachianpost.com/t/mustachian-introduction-pol/3547
**Category:** Share your story
**Created:** [March 29, 2020, 8:23am UTC](https://forum.mustachianpost.com/t/mustachian-introduction-pol/3547 "2020-03-29T08:23:31Z")
**Posts on this page:** 1
**Showing post:** 2

<div class="post-metadata">

### Author: ![weirded](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/weirded/32/14916_2.png) [@weirded](https://forum.mustachianpost.com/u/weirded)
#### Post date: [March 29, 2020, 11:19am UTC](https://forum.mustachianpost.com/t/mustachian-introduction-pol/3547/2 "2020-03-29T11:19:14Z")

</div>

welcome @Mr.Pol

> [@Mr.Pol](#):
>
> I am reading that having VT above 60k is not good and above 60K you should invest in VWRL, could someone explain to me the reason if possible?

This is not an issue for the “standard” investor, it has been discussed several times, have a look [here](https://forum.mustachianpost.com/t/the-60000-cap-for-us-investments/111/17)

> [@Mr.Pol](#):
>
> I also think that VT or VWRL is not diversified enough because not representing emerging markets

VT indeed represents EM, it covers 10.3% EM as per 29.02.2020, have a look at Vanguard [factsheet](https://investor.vanguard.com/etf/profile/VT)

---

_[View the full topic](https://forum.mustachianpost.com/t/mustachian-introduction-pol/3547)._