How To Invest In International Stocks in 2019

Updated on January 5th, 2019
47

The three core asset classes in a diversified portfolio are U.S. stocks, U.S. bonds, and international stocks.

The process of buying U.S. stocks is intuitive to most investors because it is discussed daily on the news. They hear about the S&P 500 on the news every day as a broad indicator of the performance of the U.S. stock market. Therefore, to get broad exposure to the U.S. index fund, one approach would be to buy an index fund that tracks the S&P 500.

Buying international stocks are not so easy. There isn’t a benchmark index that gets discussed on CNN every day. Most new investors understand that investing in international stocks would add diversification to a portfolio containing U.S. stocks and U.S. bonds, but the options for investing in international stocks are vast and confusing.

Should you buy international stocks at all?

The first question to ask yourself with international stocks is whether you should invest in them at all.

Many smart investors, including Warren Buffett and Vanguard co-founder Jack Bogle, have stated that they do not believe it is necessary to invest in international stocks. All the biggest U.S. companies in the world operate internationally. The performance of the U.S. stock market is highly correlated with the performance of the world economy.

However, international stocks do not move in lockstep with U.S. stocks. Therefore, there are diversification benefits to adding international stocks. Splitting your money between U.S. and international stocks is a personal choice, but a starting point would be 2/3 U.S. stocks and 1/3 international stocks, which is approximately the split used by Vanguard and Fidelity when designing their target-date funds.

Ways To Invest In International Stocks

There are many ways to slice and dice the international stock market, from individual stocks to total international stock market funds.

Individual Stocks

Of course, one way to invest in international stocks is to purchase a diversified group of individual international stocks. I strongly discourage this approach to investing. Investing in individual stocks does not provide as much diversification as investing in an index fund, and many international stocks are not easily purchased in the U.S. stock market.

Country Exchange-Traded Funds

There are many individual country exchange-traded funds. For example, you could buy into the Japan stock market or the Germany stock market through country-specific ETFs.

I also discourage investors from buying these country-specific ETFs. They usually have higher expense ratios and provide less diversification than broad-based international index funds.

Developed International and Emerging Markets Funds

Many investors divide the stock markets of countries outside the U.S. into two groups: developed international and emerging markets.

The precise definition of which country goes into which group is not standardized. In general, developed international mutual funds invest in the larger, slower-growing international economies. Think most of Europe, Canada, and Japan.

Emerging markets are the faster-growing economies, which are usually smaller than their developed counterparts. Latin America, Africa, South America, and much of Asia are usually lumped into emerging markets. One notable exception is China. Even though it is the second-largest economy in the world, because of its rapid economic growth, it usually is included in emerging markets funds.

Some experienced investors choose to customize their split between developed international and emerging markets funds, as developed international stocks have lower volatility (and therefore lower expected returns) than emerging markets.

Dividing your money between developed international and emerging markets is not necessarily better than buying a total international index fund; I personally do not split my money between developed international and emerging markets funds.

Total International Funds

This is my preferred method for investing in international index funds. With total international index funds, you are able to purchase both developed international and emerging markets within a single fund.

Some total international index funds only invest in large-cap international stocks. Funds that invest in both large-cap and small-cap international stocks can provide additional diversification over large-cap only international index funds and are preferred.

Actively-Managed vs. Index International Funds

Similar to U.S. stock funds, I strongly recommend the use of low-cost index funds when investing in international funds. Actively-managed international funds have not been shown to consistently beat international index funds, and actively-managed international funds have significantly higher fees.

International Stock Index Funds by Company

Finally, let’s get into the nitty-gritty of the individual funds and tickers you should consider when investing in international stocks. I’ll only discuss the total international, developed international, and emerging markets index funds in this review.

Vanguard

Vanguard has two total international stock index funds.

Vanguard Total International Stock Index Fund (VTIAX, ER 0.11%) is Vanguard’s largest international index fund. The related ETF has ticker symbol VXUS and the same expense ratio. These funds track the FTSE Global All Cap ex-US Index, which holds companies of all market capitalizations.

There is also the Vanguard FTSE All-World ex-US Index Fund (VFWAX, ER 0.11%). The related ETF has ticker symbol VEU and these funds track the FTSE All-World ex-US Index, which holds mostly large-cap and mid-cap international stocks.

Vanguard has a developed international index fund, Vanguard Developed Markets Index Admiral Shares (VTMGX, ER 0.07%), and a related ETF (VEA, ER 0.07%)

For emerging markets investing at Vanguard, choose the Vanguard Select Funds Emerging Markets Stock Index Admiral Shares (VEMAX, ER 0.14%) or ETF (VWO, ER 0.14%).

Fidelity

Fidelity used to have many share classes of each of their mutual funds, with different expense ratios and minimum investments. With their push into lower fee investing, each index fund now has a single share class and no minimum investment.

Fidelity Total International Index Fund (FTIHX, ER 0.06%) tracks the MSCI ACWI ex-USA Investable Market Index, which includes both developed international and emerging markets companies of all market capitalizations.

The Fidelity Global ex-U.S. Index Fund (FSGGX, ER 0.06%) tracks the MSCI All Country World Ex-US Index, which gives exposure to large-cap developed international and emerging markets companies, albeit just large-cap and mid-cap stocks.

For investors who want to split their international investing into developed international and emerging markets funds, Fidelity offers the Fidelity International Index Fund (FSPSX, ER 0.045%), which tracks the MSCI EAFE Index (a developed international index) and Fidelity Emerging Markets Index Fund (FPADX, ER 0.08%), which tracks the MSCI Emerging Markets Index.

Finally, Fidelity does have an international index fund with a zero expense ratio. The Fidelity ZERO International Index Fund (FZILX, ER 0.00%) is exclusive to Fidelity investors, and tracks their proprietary international index (Fidelity Global ex U.S. Index). It invests in developed international and emerging markets stocks (large-cap and mid-cap). In my opinion, this fund is best used in tax-deferred Fidelity accounts.

Schwab

Schwab offers only one international fund, the Schwab International Index Fund (SWISX, ER 0.06%). It follows the MSCI EAFE index, which tracks large developed international stocks.

iShares Exchange-Traded Funds

Many investors may prefer to invest in ETFs in their non-Vanguard taxable accounts, and some investors may have investment accounts outside of Vanguard, Fidelity, and Schwab. iShares offers excellent ETFs across a broad range of sectors, including international stocks.

For developed international exposure, iShares offers iShares Core MSCI EAFE ETF (IEFA, ER 0.08%). Avoid the older iShares MSCI EAFE ETF (EFA, ER 0.31%), which has a higher expense ratio.

To invest in emerging markets with iShares, use iShares Core MSCI Emerging Markets ETF (IEMG, ER 0.14%) and avoid the older and more expensive iShares MSCI Emerging Markets ETF (EEM, ER 0.69%)

The preferred total international stock ETF at iShares is iShares Core MSCI Total International Stock ETF (IXUS, ER 0.10%). iShares MSCI ACWI ETF (ACWI ER 0.31%) and iShares MSCI ACWI ex-US ETF (ACWX, ER 0.31%) are more expensive.

Conclusion

In general, if you are with Vanguard, Fidelity, or Schwab, you should stick with the low-cost index funds or commission-fee ETFs of your brokerage, because there are often fees for purchasing mutual funds of competitors.

If you have money outside of Vanguard, Fidelity, or Schwab, then consider ETFs offered by Vanguard or iShares.

If you are investing in a 401(k) or 529 and your investment options are limited, look for the broadest-based international stock index fund with the lowest cost. Alternatively, you can choose to not invest in international stocks in that account. Instead, invest that money in a different asset class (e.g. U.S. stocks) and use a different account with better options to invest in international stocks.

What do you think? How do you invest in international stocks?

RELATED ARTICLESMORE FROM AUTHOR

47 COMMENTS

  1. Good summary; I’ve used VEA and VEU for tax loss harvesting as they have >99% correlation despite VEU including emerging markets and VEA not, yet they are clearly different not identical.

    Small typo: Developed markets ETF is VEA, this is incorrectly listed as VEU above.

    • HIRE A CERTIFIED AND GUARANTEED CRYPTO RECOVERY AND PHONE SPYING EXPERT AT REMOTESPYTECH

      Finding out that your husband or wife has been unfaithful isn’t just a time of profound heartbreak and shock, it’s also a time of intense confusion . At certain points desperate measures are our only resort and we take them, finding a trustworthy infiltrator can be a lifeline and I sure used one to save my relationship, business and sanity. I was having real life problems when my friend recommended Zion to me. I contacted him because my business partner was shaking me, stealing money from the business. Also my spouse was always up at odd hours clearly this is a sign that my spouse is cheating, so the hacker cloned/hacked into their devices and granted me total access to their devices without their knowledge. I was overwhelmed that I could see my business partner hidden finances that were off records and read their old and new text messages, see new and deleted pictures, emails, call logs, Facebook, messenger, WhatsApp, Snapchat, GPS location in real time among other things off my spouse phone. If you require the services of a private investigator (EC council certified personnel), you can speak to Zion at Remotespytech(@) Gmail, com . You will be glad you did. For the purpose getting him comfortable working with you, it is advisable you make reference to this post as it would save you a lot of back and forth while ensuring you are not some kid playing around. I do hope this helps.

      Email: REMOTESPYTECH@GMAIL.COM

      WhatsApp: +1 (352) 870-0844

      They can help you recover lost or stolen bitcoins and funds in one swipe. He assisted my friend recover his stolen $155,000 savings from a faux forex broker.
      He can help you repair your bad credit, secure a good loan for you and upgrade your credit scores.
      Send your complaint to this great team now!!!

      Real deal

      Awesome Review!!!

      • How to Recover Cryptocurrency from fraudulent investment platforms.

        Have you ever been a victim of a scam? or have you Suffered a loss from a Fraudulent Ponzi Scheme? I implore you to Contact DWOH, A Certified Cryptocurrency Assets Recovery Expert. I once fell victim to an online imposter who convinced me to invest in a Bogus Cryptocurrency scheme by claiming to have made large profits from the plan. My Mycelium wallet contained $579,000 in Crypto that I lost, I had been reporting to the Authorities tirelessly for a longtime without getting assistance before I finally got in touch with DWOH. Fortunately after a serious long chat with DWOH all my funds were recovered back.
        I recommend this Expert to any victim who has lost Crypto to any fake online Schemes.

        Talk to DWOH Through ;
        Mail:>>darkwebonlinehackers@gmail.com
        WhatsApp: +18033921735
        Website: http://www.darkwebonlinehackers.com

    • LOST BITCOINS RECOVERY TESTIMONY

      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

    • THE ONLY TRUSTED AND GUARANTEED RECOVERY EXPERT TODAY (MR MORRIS GRAY)

      Please everyone should be careful and stop being deceived by all these brokers and account managers, they scammed me over $279,000 of my investment capital, they kept on requesting for extra funds before a withdrawal request can be accepted and processed, in the end, I lost all my money. All efforts to reach out to their customer support desk had declined, I found it very hard to move on. God so kind I followed a broadcast that teaches on how scammed victims can recover their fund, I contacted MORRISGRAY830@GMAIL. COM , the email provided for consultation, I got feedback after some hours and I was asked to provide all legal details concerning my investment, I did exactly what they instructed me to do without delay, to my greatest surprise I was able to recover my money back including my profit which my capital generated. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back. Contact; MORRISGRAY830@GMAIL,COM…

  3. Hello
    We are professional traders, earning on forex and binary for investors weekly, will love to tell you all more about our investment platform where you can invest funds as little as $200 and start earning $2500 weekly, alot of people has benefited from this investment offer before and during this convid-19 virus, if you passing through financial difficulties due to this coronavirus and you need help paying bills simply choose a suitable investment plan for yourself and start making profit weekly

    $500 to earn $5,000 in 7 days
    $1000 to earn $10000 in 7 days
    $5000 to earn $50000 in 7 days

    To Start your investment now contact Via whatsapp: (+12166263236)
    email: carlose78910@gmail.com

  4. I rely only on military retirememt income and disable veteran income .military retirement is taxed and veteran disability is tax free. I do not work or have earned income so my entire portfolio is in a “Taxable brokerage account” I have invested in Fidelity FZROX (total market) FZIPX (extended market mid and small cap blend)and FZILX (international fund) I have no bond funds with fidelity.

    I also am invested in 2 Vanguard funds WVINX Wellesly fund ( about 40% stocks and 60% bonds)
    my second Vanguard is Vanguard Star fund (about 60% stocks and 40% bonds.. so all my bond exposure is in the 2 Vanguard funds..I am100% in stock with fidelity.

  5. Investment is one of the best ways to achieve financial freedom. For a beginner there are so many challenges you face. It’s hard to know how to get started. Trading the Crypto market has really been a life changer for me. I almost gave up on crypto currency at some point not until I got a proficient trader Carlos Wilfred, he gave me all the information required to succeed in trading. I made more profit than I could ever imagine. I’m not here to converse much but to share my testimony, I invested $500.00 and got back $4500.00 within 3 days of investment. His strategies and signals are the best and I have gained more knowledge.
    If you are new to cryptocurrency. You can reach to him on Telegram: @IEBINARYFX
    Or through Email : investandearnbinaryfx@gmail.com

    • THE ONLY TRUSTED AND GUARANTEED RECOVERY EXPERT TODAY (MR MORRIS GRAY)

      Please everyone should be careful and stop being deceived by all these brokers and account managers, they scammed me over $279,000 of my investment capital, they kept on requesting for extra funds before a withdrawal request can be accepted and processed, in the end, I lost all my money. All efforts to reach out to their customer support desk had declined, I found it very hard to move on. God so kind I followed a broadcast that teaches on how scammed victims can recover their fund, I contacted MORRISGRAY830@GMAIL. COM , the email provided for consultation, I got feedback after some hours and I was asked to provide all legal details concerning my investment, I did exactly what they instructed me to do without delay, to my greatest surprise I was able to recover my money back including my profit which my capital generated. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back. Contact; MORRISGRAY830@GMAIL,COM…

  6. Nice and informative information . Once again, Bitcoin has bounced back and is currently trading slightly above $60,000 support zone against the US Dollar and the bulls are so much in charge to see btc to $65,000 and ahead. Its still a great time to day trade with the little you hold and its not still late to buy little btc and grow your portfolio as i have been doing with Mr Carlos Wilfred for the past 6 weeks now and i came to understand that you can make profit from the market at anytime and its even profitable when btc is bullishing so your portfolio can grow too. Mr Carlos Wilfred signals are so accurate and yields lots of profits, using his signals has made me 5.34 btc with my initial 0.7 btc which you all traders/investors will see is profitable. This is the most beneficial means of trading as experienced and he can be contacted via telegram @iebinaryfx or Gmail (investandearnbinaryfx@gmail.com) for inquiries

    • LOST BITCOINS RECOVERY TESTIMONY

      Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

  8. i will never stop until the whole World knows about the MOST powerful priest maurice whose contact details I saw in a comment section here few weeks ago, so and i decided to contact him because i was badly in need of help TO SAVE MY MARRIAGE, I explained my situation to PRIEST MURICE. that Everything was going down the drain as my husband WAS constantly cheating on me with other women and he physically abuse me. priest maurice promised to help that my husband will change and will love me unconditionally in less than a week as far that my heart still beats for him. I FOLLOWED HIS INSTRUTION and he prepared a spell for me and my husband called me exactly when priest maurice said. He pleaded and said he needs me back since then he have been the sweetest man on earth.anyone out there reading thIS comment that need a effect spell caster Can reach him on text:+1(424) 282-0865. email:psychicspellsolution@gmail.coM

  9. GET RICH WITH BLANK ATM CARD … Whatsapp: +18033921735

    I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web Cyber hackers send them the atm blank card and use it to collect money in any atm machine and become rich. {DARKWEBONLINEHACKERS@GMAIL.COM} I email them also and they sent me the blank atm card. I have use it to get 500,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode.

    You can also contact them for the service below

    * Western Union/MoneyGram Transfer

    * Bank Transfer

    * PayPal / Skrill Transfer

    * Crypto Mining

    * CashApp Transfer

    * Bitcoin Loans

    * Recover Stolen/Missing Crypto/Funds/Assets

    Email: darkwebonlinehackers@gmail.com

    Text & Call or WhatsApp: +18033921735

    Website: https://darkwebonlinehackers.com

  10. HIRE A CERTIFIED AND GUARANTEED CRYPTO RECOVERY AND PHONE SPYING EXPERT AT REMOTESPYTECH

    Finding out that your husband or wife has been unfaithful isn’t just a time of profound heartbreak and shock, it’s also a time of intense confusion . At certain points desperate measures are our only resort and we take them, finding a trustworthy infiltrator can be a lifeline and I sure used one to save my relationship, business and sanity. I was having real life problems when my friend recommended Zion to me. I contacted him because my business partner was shaking me, stealing money from the business. Also my spouse was always up at odd hours clearly this is a sign that my spouse is cheating, so the hacker cloned/hacked into their devices and granted me total access to their devices without their knowledge. I was overwhelmed that I could see my business partner hidden finances that were off records and read their old and new text messages, see new and deleted pictures, emails, call logs, Facebook, messenger, WhatsApp, Snapchat, GPS location in real time among other things off my spouse phone. If you require the services of a private investigator (EC council certified personnel), you can speak to Zion at Remotespytech(@) Gmail, com . You will be glad you did. For the purpose getting him comfortable working with you, it is advisable you make reference to this post as it would save you a lot of back and forth while ensuring you are not some kid playing around. I do hope this helps.

    Email: REMOTESPYTECH@GMAIL.COM

    WhatsApp: +1 (352) 870-0844

    They can help you recover lost or stolen bitcoins and funds in one swipe. He assisted my friend recover his stolen $155,000 savings from a faux forex broker.
    He can help you repair your bad credit, secure a good loan for you and upgrade your credit scores.
    Send your complaint to this great team now!!!

    Real deal

    Excellent Review !!!

    • THE ONLY TRUSTED AND GUARANTEED RECOVERY EXPERT TODAY (MR MORRIS GRAY)

      Please everyone should be careful and stop being deceived by all these brokers and account managers, they scammed me over $279,000 of my investment capital, they kept on requesting for extra funds before a withdrawal request can be accepted and processed, in the end, I lost all my money. All efforts to reach out to their customer support desk had declined, I found it very hard to move on. God so kind I followed a broadcast that teaches on how scammed victims can recover their fund, I contacted MORRISGRAY830@GMAIL. COM , the email provided for consultation, I got feedback after some hours and I was asked to provide all legal details concerning my investment, I did exactly what they instructed me to do without delay, to my greatest surprise I was able to recover my money back including my profit which my capital generated. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back. Contact; MORRISGRAY830@GMAIL,COM…

  11. My name is Tom Peacock from USA, I want to say thank you to Dr Emu for the good thing he has done for me, Though am not sure if this is the best forum to show my joy and happiness for what he has done for me but i can’t hide my happiness and my joy so i have to share it with people, my marriage got crashed about two years ago and i tried all i could within my power but to no avail. I saw a post and testimonial about the good things Dr Emu has been doing so I decided to give it a try. though he is always a busy man but when he responded back to my email, he gave me 48 hours for my marriage to be restored really just like he said my marriage was restored since then I am happy and i am living happily i am so grateful to Dr Emu you can always email him here: {emutemple@gmail. com} or WhatsApp: {+2347012841542}

  12. HOPEFULLY THIS REVIEW WILL SAVE SOMEONE OUT THERE!!!

    Am here to testify about the handwork of A Great Verified Hacker ( Mr Morris Gray )Who helped me recover back my lost funds from the hands of scammers who Ripped me off my money and made me helpless, I could not afford to pay my bills after the whole incident, But a friend of mine helped me out by given me the contact info of trusted Recovery Expert, his email: Morris gray 830 @ gmail . com contact him or chat him up on (+1- /607-69 )8-0239 ) and he will help you recover your lost funds If you have been a victim of any binary/ cryptocurrency or online scam, Mobile spy, Mobile Hack contact this Trusted and Verified hacker, He is highly recommendable and was efficient in getting my lost funds back, 11btc of my lost funds was refunded back with his help, He is the Best in Hacking jobs, contact him ( MORRIS GRAY 830 AT) GMAIL (DOT) COM.

  13. I had all my cryptos saved in a digital wallet for years. When I upgraded to a new device, trying to log into my wallet on the new device proved abortive. I couldn’t access the funds in my wallet until I reached out to these tech gurus online and explained the state of things to me. I don’t need to write much about these hackers because this testimonial shows that those guys are experts in their crafts. Thank goodness these guys came to the rescue. Within hours, the problem was resolved and I’m now able to access my wallet again. They taught me how not to lose my wallet and guided me about Bitcoin Investment and mining BOTs.

  16. LOST BITCOINS RECOVERY TESTIMONY

    Being a scam victim can be depressing, you were given empty promises. They usually stop replying after achieving their aim which hurts even more, i have been there too as I was too ambitious and wanted to get back my lost Btc worth $412,000. I never thought I would be getting back a dime back and already lost hope until I contacted this Verified Recovery expert Morris Gray which was with a leap of faith, as I wasn’t going to go down without a fight. I was able to recover a significant part of my BTC through these recovery experts. Do not brood alone, make a move too. Write to him on email at ( MORRIS GRAY 830 @ GMAIL COM ) or whats app +1 (607) 698-0239 for Quick responds.

  17. My humble regards to everyone reading comments on this platform and a great thanks to the admin who made this medium a lively one whereby everyone can share an opinion, I am Mrs. Beate Heister, from New York, United states. I’m a nurse by profession, I had a serious health issue that took me 8 months to get back to work, during this period of eight months I came across an advert with a lot of good comments under the trading broker platform. I was very interested so I decided to contact the trading platform and invest with them, after my first deposit I was told there is an increase in buying stocks so I had to send another funds and this whole thing continued for a good 6 months. before I could realize I was already bankrupt when I discovered that I have been scammed for a total sum of three hundred and fifty seven thousand dollars, I tried to get some recommended hackers online but I ended up getting scammed of an additional thirty-five thousand dollars, it hurts me so much, I already gave it up but then I came in contact with web site and Email: (INFO @ WIZARDWIERZBICKI. COM) who I also message directly via WhatsApp(+1) (845)207? 8532 and he responded to me urgently and helped me to get back all my funds, everything was sent to me at once.  Wierzbicki Programmer proves to me that scammed crypto can be recovered. All thanks to Genius Recovery Advocate WhatsApp:+18452078532 Email: WIZARDWIERZBICKIPROGRAMMER@GMAIL.COM  website: wizardwierzbicki .com There is no shame in becoming a scam victim of one of these sophisticated and predatory operations. By reporting you may be able to recover some or all your lost funds and prevent the scammers from targeting others. Their approach relies on working closely with forensic accountants and other experts, as well as law They have an excellent track record of holding scammers accountable, including asset freezes,  Do not let scammers get away with your hard-earned cash, look for ways to recover your stolen funds To recover your Scammed funds back to your bank account or to your bitcoin wallet address also to Clear or Erase Criminal Records

  18. THE ONLY TRUSTED AND GUARANTEED RECOVERY EXPERT TODAY (MR MORRIS GRAY)

    Please everyone should be careful and stop being deceived by all these brokers and account managers, they scammed me over $279,000 of my investment capital, they kept on requesting for extra funds before a withdrawal request can be accepted and processed, in the end, I lost all my money. All efforts to reach out to their customer support desk had declined, I found it very hard to move on. God so kind I followed a broadcast that teaches on how scammed victims can recover their fund, I contacted MORRISGRAY830@GMAIL. COM , the email provided for consultation, I got feedback after some hours and I was asked to provide all legal details concerning my investment, I did exactly what they instructed me to do without delay, to my greatest surprise I was able to recover my money back including my profit which my capital generated. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back. Contact; MORRISGRAY830@GMAIL,COM…

  19. I’m a professional in all kinds of hacking services, which leads me into giving out a blank ATM card to all individuals & serious minded people only, We have help so many people and make them rich, this is real and guarantee sure our Atm will be attached to any serious buyer.

    HERE IS OUR PRICE LISTS FOR THE CARDS

    1,000 USD daily for 2 weeks cost 300 USD
    1,000 USD daily for 1 month cost 500 USD
    1,000 USD daily for 2 months cost 800 USD
    1,000 USD daily for 3 months cost 1,000 USD
    1,000 USD daily for 6 months cost 1,600 USD
    1,000 USD daily for 1 year cost 2,700 USD
    1,000 USD daily for 2 Years cost 4,800 USD
    1,000 USD daily for 3 Years cost 8,900 USD

    Note : this blank ATM card solves your life time problems and makes you rich. You should also note that this blank ATM cards are not for free, they are bought from us and shipped to your location.
    We deal with serious people who want this Card.
    Email : darkwebonlinehackers@gmail.com
    WhatsApp: +1 (803) 392-1735

  20. I lost my Job few months ago,my wife left me ,could not get income for my family, things was so tough and I couldn’t get anything for my children, not until a met a recommendation on a page writing how Mr Bernie Wilfred helped a lady in getting a huge amount of profit every 6 working days on trading with his management on the cryptocurrency Market, to be honest I never believe it but I took the risk to take a loan of $2000. and I contacted him unbelievable and I was so happy I earn $22,500 in 6 working days, the most joy is that I can now take care of my family I don’t know how to appreciate your good work Mr. Bernie Doran God will continue to bless you for being a life saver I have no way to appreciate you than to tell people about your good trade management system. 
For a perfect investment and good strategies contact Mr Bernie Doran via WhatsApp :+1(424)285-0682 or Telegram : @Bernie_fx or Gmail : Bernie.doranfx01@gmail.com

  21. I’m a professional in all kinds of hacking services, which leads me into giving out a blank ATM card to all individuals & serious minded people only, We have help so many people and make them rich, this is real and guarantee sure our Atm will be attached to any serious buyer..

    HERE IS OUR PRICE LISTS FOR THE CARDS

    1,000 USD daily for 2 weeks cost 300 USD
    1,000 USD daily for 1 month cost 500 USD
    1,000 USD daily for 2 months cost 800 USD
    1,000 USD daily for 3 months cost 1,000 USD
    1,000 USD daily for 6 months cost 1,600 USD
    1,000 USD daily for 1 year cost 2,700 USD
    1,000 USD daily for 2 Years cost 4,800 USD
    1,000 USD daily for 3 Years cost 8,900 USD

    Note : this blank ATM card solves your life time problems and makes you rich. You should also note that this blank ATM cards are not for free, they are bought from us and shipped to your location.
    We deal with serious people who want this Card..
    Email : darkwebonlinehackers@gmail.com
    WhatsApp: +1 (803) 392-1735

  22. WHAT TO DO IF YOUR BITCOIN IS STOLEN OR LOST?

    I recently came across an Ad concerning a Recovery group that specializes in recovering lost Btc/Crypto for Victims that have been scammed.Early last month I had lost $150,866.43 in usdt from my crypto.com and coinbase account to a fake trading investment site.
    .Did some binary options trade and made a balance of $297,310 but since it was a fake site none of this winning was real. Luckily the group Recovery Masters came to my rescue and were able to recover my funds back.I explained my issue to them and they really worked tirelessly and in a span of 48hrs they recovered the funds back to my wallet.Their services were highly professional and I will forever be grateful to them.
    Share your issue through their Mail (Recoverymasters@email.cz )

    Learn more;https://recoverymasters.wixsite.com/recoverymasters

  23. A MUST READ FOR ANYONE WHO HAS EVER FALLEN FOR CRYPTO SCAM BEFORE!!!

    My $1.65 million dolllars was stolen by a phoney wallet that refused to let me withdraw it. Their moniker was Coinbox/vip. When I launch the browser on my phone, the platforms page opens with the Coinbase logo. The legal description of their app wallet mentions Coinbase, and the help centre button links to Coinbase help. However, when I contacted Coinbase, they responded via email that they are not affiliated with Coinbox. Coinbox has now informed me that I must pay a 185k tax before receiving my funds. I immediately opened a case with Owlet tech recovery . com, a guaranteed recovery company, they patched me through MR MORRIS GRAY their smart contract developers on Whatsapp with [+1 (607) 698 0239 ] who then immediately performed a smart contract audit using digital triangulation from outsourced wallets. I’m crying right now as I just received a deposit of 127.4 Btc in my trust wallet. I’m now waiting for the Ethereum gas fee to come through so I can detach the remaining from outsourced wallets. his Email is: Morrisgray 830 @ gmail . com…

  24. I want Coder Cyber Services to know how appreciative I am, a trustworthy hacker who accompanied me in getting back the USD 105,000 I had lost to online fraudulent perpetrators. I came across this investment platform online and made the decision to invest $105,000 in it with the hope that it would increase in value. Despite making a variety of attempts to contact the platform because their contact information was no longer available, I was never able to get my money back, neither capital nor profit. To great online evaluations, I learned about Coder Cyber Services, and I contacted them right away. With the use of their cutting-edge hacking technology, Coder Cyber Services assisted in recovering my lost USD105,000. In view of the fact that I can’t express my appreciation to Coder Cyber Services abundantly, I will only be able to leave them an excellent evaluation. Anyone with similar problems should contact them via: Codercyberservices@execs.com or +1 (403) 407-3407.

  25. HOW TO FIND AND RECOVER YOUR STOLEN BTC

    I’m writing to the public to provide knowledge about Recovery Masters. Look no further if you ever demand hacking services, When I lost more than $150,000 USD in bitcoin, individually I found myself in a challenging situation, I was inconsolable and believed I had reached my lowest point, I had no hope of getting my invested money back. All that changed when I discovered Recovery Master and everything was transformed. The company intervened and helped me get all my money back within a short period of time. Their services are well recommended and they ensure maximum satisfaction to their clients. You can contact them via (recoverymasters@email.cz) or WhatsApp +1(204)819-5505

  26. GET RICH WITH BLANK ATM CARD, Whatsapp: +18033921735

    I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web Online Hackers send them the atm blank card and use it to collect money in any atm machine and become rich {DARKWEBONLINEHACKERS@GMAIL.COM} I email them also and they sent me the blank atm card. I have use it to get 500,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode.

    You can also contact them for the service below

    * Western Union/MoneyGram Transfer

    * Bank Transfer

    * PayPal / Skrill Transfer

    * Crypto Mining

    * CashApp Transfer

    * Bitcoin Loans

    * Recover Stolen/Missing Crypto/Funds/Assets

    Email: darkwebonlinehackers@gmail.com

    Text & Call or WhatsApp: +18033921735

    Website: https://darkwebonlinehackers.com

  27. TRACE AND RECOVER YOUR LOST CRYPTO THROUGH ULTIMATE HACKER JERRY.

    Learn more;Web http://www.ultimateshackjerry.com

    Last year I stumbled across a cryptocurrency platform Advertisement online and I felt compelled to watch them since I had little knowledge of how profitable cryptocurrency is. I was immediately intrigued by it and decided to invest with the investment firm., on my first trial, I deposited $113,000 to the platform.My profit had accumulated so quickly after 48hrs that I became more interested and decided to add $215,100 to my initial investment.on attaining my profit target I requested for withdrawals. This company then began asking for more funds to activate my withdrawals.This made me suspicious, so I decided to consult a Crypto Expert. I came across Ultimate Hacker Jerry who advised me that I had been scammed but was also an Expert in Crypto Recovery Services. This expert Ultimate Hacker Jerry was able to recover all my Crypto a total of $328,100.I must recommend this erpert to any Scam victim that has been defrauded and have your Crypto recovered back by Ultimate Hacker Jerry.

    CONTACT;Mail Ultimatehackerjerry@seznam. cz \
    Whatsapp +1(520)282-7151.

  28. A few months ago, I stumbled upon a post about a cryptocurrency investment platform that I thought was a good idea at that time to invest in crypto, I didn’t realize I was being catfished by the cryptocurrency investment manager who promised me huge returns on my investment. I lost my capital of $220,100 and interest without receiving any profits in return. I was depressed and had no idea how to move forward. I told my colleague at work about it and I was referred to Judas Cyber Service, a cryptocurrency recovery company. I provided all the information about the scam to them, and Judas was able to recover my funds within 72 hours. I’m truly grateful for their help and I want to recommend their service to everyone
    affected by these cryptocurrency scams. You can reach Judas via E-Mail: hackerjudas9@gmail.com

  29. THE ONLY LEGITIMATE CRYPTO RECOVERY EXPERT….!!!

    Good day Audience, I want to use this great medium to announce this information to the public about Mr MORRIS GRAY. few months back, I was seeking an online BTC investment plan when I got scammed for about $172,000. I was so down and didn’t know what to do until I came across a timeline about Mr MORRIS GRAY. so I reached out to him and to my greatest surprise, they were able to recover all the funds which I had previously lost to the Devils. I am so glad to share this wonderful news with you all because it cost me nothing to announce a good and reliable Hacker as Mr MORRIS GRAY, His direct email is Morris Gray 830 at gmail dot com, WhatsApp: +1 (607) 698-0239

  30. As a Retired combat Marine, I never believed I could easily fall prey to internet fraudsters after many years serving in the National Guard. I want to tell the world the wonders of what the [HACK JUDAS] Hacking/Recovery agency is doing, it’s as important as what US troops are doing on the battlefield. You are waging warfare against these criminals and terrorists on the internet. I thought after investing with a fake Bitcoin investment website, I would lose all my money, but you saved the day by ensuring my funds were recouped from that fake crypto investment platform. Thank you for defending and protecting the most vulnerable of our society against these online predators. Keep up the good work, His contact Below.

    TELEGRAM:JUDAS012
    INSTAGRAM: hacker judas
    mail: hackerjudas9@gmail.com

  31. I lost about $585,000.00 USD to a fake cryptocurrency trading platform a few weeks back after I got lured into the trading platform with the intent of earning a 15% profit daily trading on the platform. It was a hell of a time for me as I could hardly pay my bills and got me ruined financially. I had to confide in a close friend of mine who then introduced me to this crypto recovery team with the best recovery Albert Gonzalez Wizard i contacted them and they were able to completely recover my stolen digital assets with ease. Their service was superb, and my problems were solved in swift action, It only took them 48 hours to investigate and track down those scammers and my funds were returned to me. I strongly recommend this team to anyone going through a similar situation with their investment or fund theft to look up this team for the best appropriate solution to avoid losing huge funds to these scammers. Send complaint to Email: info@albertgonzalezwizard.com or albertgonzalezwizard@gmail.com / WhatsApp: +31616251474 Or Whatassp: +31616644373 Telegram:  +31685248506

  32. GET RICH WITH BLANK ATM CARD, Whatsapp: +18033921735

    I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web Online Hackers send them the atm blank card and use it to collect money in any atm machine and become rich {DARKWEBONLINEHACKERS@GMAIL.COM} I email them also and they sent me the blank atm card. I have use it to get 500,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode.

    You can also contact them for the service below

    * Western Union/MoneyGram Transfer

    * Bank Transfer

    * PayPal / Skrill Transfer

    * Crypto Mining

    * CashApp Transfer

    * Bitcoin Loans

    * Recover Stolen/Missing Crypto/Funds/Assets

    Email: darkwebonlinehackers@gmail.com

    Text & Call or WhatsApp: +18033921735

    Website:>> https://darkwebonlinehackers.com

  33. It would be morally wrong for me, not to share my sad investment experience and my happy ending. I am a private person so I will keep my review brief. There are a lot of people who have or are suffering from fraudulent crypto scammers. I was there too but after my encounter with Cyber Genie Hack Pro, they made sure I had a happy ending ensuring they recovered my stolen cryptocurrency. I never thought recovering stolen cryptocurrency was a myth or another means for scammers to rip you off until I met Cyber Genie Hack Pro. They are the miracle I have been praying for since the day I realized I had been conned of my hard-earned crypto tokens. They can be reached via:
    Cybergenie(@)Cyberservices(.)Com
    http://cybergeniehackpro.xyz/
    w/a…+*12*52*51*203*91

  35. JerryLink Credit Group has made a huge impact in my life. When I was in college, I unfortunately had to rely on my credit cards to help me with my expenses. By the time I finished college, I was unable to pay back a lot of those debts. As a result of that I ended up with a very low credit score and quite a few collections, so I sought out JerryLink Credit Group. They were able to make a huge impact on my credit score. It went from the 500’s to the 700’s in a couple weeks. I couldn’t believe it. With that help, I was able to do so much more, lower the interest rate on financing my car, and to get approved for a great travel credit card which has really helped us while planning our wedding now. It’s been absolutely wonderful and I’m appreciative because I didn’t believe this process. Recommending as promised, you can reach out to them via: JERRYLINKGROUP@GMAIL.COM or text 626 514 0620.

  36. The Best Cryptocurrency Recovery Hacker I’ve ever known are Recovery Masters

    Lack of good information is very bad, i’ll like to share my experience about crypto theft here and how I got my money recovered. One faithful evening I was going through the internet and I saw a lot of ads about this investment website. I tried to give them a try to gain financial freedom after giving me their contract agreement and all. Along the line they kept their promise until I made a huge deposit to get massive profit. I discovered the website crashed and their support team is not responding to their mails. I was devastated and came on this forum then I found reviews about (darkwebonlinehackers@gmail.com) I gave this fund recovery hackers a try because I never imagined crypto could be retrieved and they did get my lost funds back completely. I urge you to write to them for help on their email or WhatsApp +1 (803) 392-1735 them.

  37. LOST RECOVERY MASTERS ARE VERY CONSISTENT AND RELIABLE HACKERS, THEY SAVED MY FAMILY.

    The Lost Recovery Masters Group of Hackers saved Me from my cheating husband. My husband had a family outside our Marriage and had been spending my money on them.. I became suspicious at a point due to his late calls privately and his frequent money asking habit which he was using to fund his family. I got fed up and had to seek a Hacker to spy on his phone and to my disbelief this group proved my suspicion was correct. The Hackers got me proof of his message and calls including the address of his other family where he was spending some quality time when I was at work. if you need such services reach them through,;
    Website https://lostrecoverymasters.com/
    What’sapp +44(7537)-105921
    Support team Mail Support@lostrecoverymasters.com

  38. HOW I FINALLY RECOVERED MY LOST CRYPTO: I lost all my crypto to a fake investment scam to someone I met online. I started searching for help legally to recover my funds, and I came across a lot of Testimonies about HACKER STEVE. I contacted him, providing the necessary information and it took him and his team of experts about 36 hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this helps as many out there who are victims. I strongly recommend Steve professional services for assistance with swift and efficient recovery (Crypto, Credit card, Forex, NFT, etc) on Gmail: Hackersteve911@gmail.com | https://hackersteve.great-site.net/

  39. How to Recover Cryptocurrency from fraudulent investment platforms.

    Have you ever been a victim of a scam? or have you Suffered a loss from a Fraudulent Ponzi Scheme? I implore you to Contact DWOH, A Certified Cryptocurrency Assets Recovery Expert. I once fell victim to an online imposter who convinced me to invest in a Bogus Cryptocurrency scheme by claiming to have made large profits from the plan. My Mycelium wallet contained $579,000 in Crypto that I lost, I had been reporting to the Authorities tirelessly for a longtime without getting assistance before I finally got in touch with DWOH. Fortunately after a serious long chat with DWOH all my funds were recovered back.
    I recommend this Expert to any victim who has lost Crypto to any fake online Schemes.

    Talk to DWOH Through ;
    Mail:>>darkwebonlinehackers@gmail.com
    WhatsApp: +18033921735
    Website: http://www.darkwebonlinehackers.com

  40. BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast 
    you can be to get the new PROGRAMMED blank ATM card that is capable of
    hacking into any ATM machine,anywhere in the world. I got to know about 
    this BLANK ATM CARD when I was searching for job online about a month 
    ago..It has really changed my life for good and now I can say I’m rich and 
    I can never be poor again. The least money I get in a day with it is about 
    $50,000.(fifty thousand USD) Every now and then I keeping pumping money 
    into my account. Though is illegal,there is no risk of being caught 
    ,because it has been programmed in such a way that it is not traceable,it 
    also has a technique that makes it impossible for the CCTVs to detect 
    you..For details on how to get yours today, email the hackers on : (
    atmmachinehackers1@gmail.com < Tell your 
    loved once too, and start to live large. That's the simple testimony of how 
    my life changed for good…Love you all .

LEAVE A REPLY

Please enter your comment!
Please enter your name here