VTI

StandardManner7846

VTI and chill

ramkris1988

Nothing will beat SPY year over year! Just invest in VOO or VTI and chill.

Stackvibe

Can I ask, I’ve noticed that while ETFs like VOO or SPY get recommended often, VTI specifically seems to get recommended far more often. Is there a reason for that or something about it that makes it a better choice?

ImmediateAddition7

Don’t make a bad decision again…put in VTI. Set it and forget it because you have lots of time in market.

Various_Couple_764

You should only have about 6 months of gash on hand. Anything beyond that should be invested. Cats holding never keep up with inflation so you are loosing money For investing you have 2 options: * Invest in growth index funds like VOO T\_\_VTI, or VO. simple and reliable but in a badd market you can loose. money * Invest for dividend income fund like CLOZ generate 8% per year cash yield and are reasonably safe with a yield double that of inflation. You do hav not pay taxes on the income. But you can use the income to pay bills or simply reinvest the money.

Beautiful-Affect-443

I’m an 18 year old college student. I have money saved up and was planning on opening a Roth IRA and taxable somewhere. The two brokers I’ve been deciding between are Fidelity and Robinhood. Common recommendation is Fidelity but the 3% match at RH intrigues me, along with the UI and some of the other pretty cool features over there. I would pay for Gold if RH is the better recommendation, but do any of you guys have some thoughts? I’d be auto investing weekly dollar amounts into VTI and VXUS in my RIRA.

Fearless-Edge714

No, buy VTI or VT and don’t consider that you can pick winners. Set and forget.

crazybutthole

I think it totally depends on your buy in price(when you bought it) If you bought any stock at all time high and compared it to VTI it may or may not be up/down. But if you bought a lot of stocks in April after the market dumped a bit due to tarriffs shock - your positions might all be beating VTI. Are you looking at 30 day returns or 6 months or a year or a lot longer?

Ill-Bodybuilder9847

You’re thinking about the right trade-offs already. In general: Custodial (UTMA/UGMA): simple, but it does count as the child’s asset for financial aid and they gain full control at majority age — which can be risky depending on maturity. Trust: most control and protection, but more cost, admin, and tax complexity. Usually makes sense only for larger estates or special situations. Parent-owned taxable account (with child as beneficiary): often the cleanest middle ground. You keep control, it doesn’t hurt FAFSA as much, and you can decide when/how to gift later. Downsides are capital gains taxes, but long-term buy-and-hold (like VOO/VTI) keeps that pretty tax-efficient. For a 18–25 year horizon, many people just keep it simple with broad index funds and avoid over-structuring early. You can always move into a trust later if needed. Sounds like you’re already doing a great job thinking long-term for your kid — that mindset alone puts them way ahead. If you want, I’m happy to talk through pros/cons of each setup 1-on-1 (purely educational, not advice).

Dry-Mousse-6172

Ahhh no. I just meant it makes sense to consider those things in estate planning once you reach those net worth amounts. And tbh its probably a little early at 5 mm. VTI pretty much takes care of it

Fine-Target2563

This is the way OP. Your advisor is basically trying to charge you premium fees to underperform what you could get with a $20 Schwab account and some basic ETFs That JGASX expense ratio is probably gonna eat into your returns more than any "professional management" could ever add back. Skip the middleman and go straight to VTI/VXUS or just VTWAX if you want it even simpler

Possible-Material693

Still prefer VTI, VOO, and QQQM with respective expense ratios of .03%, .03%, and .15%. Especially paying a financial advisor 1% on top of the .35%. I’m young but just don’t see the advantage of financial advisors unless if you have a super complicated tax thing going on. But I’ll probably be equities until I die 😂

MystK

100k is not much to do anything special. Just put it in VTI. 

Public-Arm7104

Ugh, have $500k I need to put somewhere. Feeling VOO//VTI and rolling the dice

manlymatt83

Do you split VTI and VXUS or just stick with VT?

gmenez97

Too many funds. Why not just do total market funds for your base (VT or VTI + VXUS) then set a percentage allocation for speculation and momentum?

Dennyj1992

You are still missing the point. Simple math tells us that 1-2% annually will cost you 100s of thousands of dollars over an investing career. Those who choose to stick with an advisor will most likely underperform just sticking to VTI or a total broad market fund.

thetreece

JGASX is an expensive actively managed fund. ER of like 0.86%. You'll be better off just buying VTI or VOO if you want a US stock fund. JGAAX just hyper concentrated in Mag 7 and tech. The top 10 holdings are like 54% of the portfolio.

Low-Jackfruit3321

Buy ETFS like VTI and for single stocks I would suggest Google, Apple, Amazon, Microsoft, but if you feel scared to invest in individual stocks then you can invest est in SCHG which holds all the top tech stocks and growth stocks. U can do a mix of 50% VTI and 50% SCHG. Do not do meme coins or crypto. Invest in ETFs and safe top reputable companies. Good luck

Far-Guava6006

If this is buy and hold, scale out of TSLA and build up a large backbone of VOO/VTI. Tsla is currently trading at 317.5 PPE such that when it inevitably corrects to its actual fair value, your port is gonna get nuked if it's a significant portion of it. In fact, individual stocks picks are not great for long term holds as they are an uncompensated risk. In the future, if you plan on doing more market research, active trading, and account rebalancing, then individual stocks are good for capturing large sector moves/rotations and maximizing returns, but for a set and forget, VOO/VTI are the play.

CloudAnchor2021

Putting aside all the advices here asking me why I'm asking question here when I've a FA (not going to waste my time answering those)... Sounds like majority here is saying, fire the FA and build that portfolio using low cost ETFs, mix of VTI VXUS QQQ VOO IWV. For those that think I should keep my FA, what do you think are the advantages of the SMA over these low cost ETFs? Appreciate your insight.

Far_Lifeguard_5027

What is your age bracket? That fund he recommended has an expense ratio of 0.86% which is insane. You don't need it. Simply buy ETFs that track the broad U.S. market like VTI or a total world market like VT. Even a simple **asset allocation fund** like AOA or AOR that has a small amount of bonds in it (20%/40%) will fare better during downturns (in a low interest rate economy) and have a cheaper expense ratio of around 0.15%

CloudAnchor2021

haha thank you! I turned 50 recently but I have lot more to catch up and don't believe in bonds. Wonder why you suggested bonds. Did you mean VTI, VXUS?

amg-rx7

SMA is an insurance product sold as an investment. He/she probably sells life insurance too… Get a real financial advisor. Maybe go to a local Fidelity or Morgan Stanley office and talk to FAs there. Or just open an account at fidelity and buy one of the good ETFs like VOO VT VTI

zilchgoose

What’s the expense ratio for the fund? Any chance the FA is getting a portion of the management fees? Would personally invest in VTI.

EducationalSalary586

My questions are generally: Do I want to buy more of this now? Would I buy more if it dropped a lot? Would I rather own this instead of VTI? If the answer is no I generally sell. Just put in sell orders on long term positions of: HD MCD SKYY All were up but didn’t beat VTI in the time I owned them.

bobdevnul

Learning the how of the Boglehead method for long term investing takes about ten minutes. Buy 70:30 VTI:VXUs or VT and add some bonds if you are so inclined. It really is that easy - again for LT investing only. Understanding why the Bogle method is a good way to go takes a bit longer, like an afternoon or reading the book over a few days. Some people just can't stick to the simple Bogle method. They think they have some better ideas and tinker with timing the market. doing factor tilts, etc. They might do better by luck, but they are taking on uncompensated risk. Luck = Gambling. Wise saving and investing for shorter term goals gets trickier to learn. Some (many) people just will not put in the effort. You would have to mess it up pretty badly to be worse than paying an "advisor" tens to hundreds of thousands of dollars over the years.

Crazy-Coconut7152

I'm not sure what you're asking. Maybe you're asking what to invest in for the long haul. That's easy: broad US market ETFs like ITOT, VOO, or VTI (you really only need 1 of these). Some international is probably good so sprinkle in some VT.

PashasMom

Your own account with the child as beneficiary makes the most sense to me. That way you can decide when to give the money. Another additional way to help your child is to set them up with a custodial Roth IRA when they start earning money. You can be the one to fund it as long as the child made equivalent earned income. Retirement accounts are not reported for FAFSA, at least under the current regime. Parking a bunch of money in VOO, VTI, or VT is a simple and historically effective way to generate wealth.

MagJack

well my DIS shares finally got called away, been selling CCs on them for a while. Don't think im gonna wheel them though, prob just put in boring VTI or VTG until something interesting comes up and write some CSPs on random tickers

Future_Maintenance_1

Im new to XTB. From what i have seen EU citizens didnt have direct access to etfs like VOO or VTI(which i want to invest in). What are the alternatives for these 2 in XTB? Im new to investing, so if i said something dumb sorry

Dagobot78

Emergency fund goes into a high yield savings account for easy access. Don’t know what you do for work but 3-6 month fund is the least recommended. In your case, of the $4,600, i would put $3,000 into a high yield savings account first. ETF wise, you still have about 20 years to work, so $288,000 total to earn assuming nothing changes (OT/raises/promotions). You need that $288,000 to do some serious work for you. You can’t afford to pay to much in taxes… so you open a Roth IRA and put $7,000/yr into it, so $583/month. You put that $7,000 Roth IRA into VOO or VTI. The other $617/month you open your own brokerage account. You out $300/month into your emergency fund (for 1.5 year). and $317/month into a low cost index fund/ETF - VOO/VTI/large caps/dividend, something and let that grow. This should get you close to $700,000-$900,000 over 20 years. This will give you an ok nest egg that will pay you $2333-3000/month @ 4% rule withdrawal. Note - once emergency fund gets to $8000-$10000, you divert the rest of the monthly excess into investing. You now have 15 years to figure out and teach yourself or get help on how go to structure your Roth and brokerage as you get closer and closer to retirement.

hedonheart

Is the 10k a windfall? If so, how long did it take you to get that, when will you get it again? Time in the market beats timing the market. I would put the 10k into a high yield savings account and pay yourself part of it every week or month for a year or two. That will put your deposit rate up to 1 to 1.5k a month. You should be able to DCA and DRIP into VTI, SPY, and do some small individual picks for companies you like. Own a share of an entire ecosystem to understand how it all works. Learn about investing fundamentals, the economy, about crypto, and have fun. We can use it as a means to pay ourselves forward in the future.

Low_Masterpiece1560

It does not matter how much you "love" or "trust" your adviser.  The relevant question is, how much value do they add? How does the performance and risk profile of your adviser-managed portfolio compare to something simple like: 60% broad stock ETF (VOO, VTI etc) 40% t-bill ETF (SGOV, VBIL etc) --- OR --- 60% broad stock ETF 20% t-bill ETF  20% gold ETF (SGOL, IAU, IAUM etc) PS: I outgrew my adviser five minutes after I read one thin little book twenty years ago: "Fail Safe Investing" by Harry Browne.

throwawayawayayayay

40% is a very large percentage for a single stock, but selling means you would incur a lot of capital gains unless this is in a nontaxable account. If it were me, I would hold the current position but put everything going forward into a VTI/VT fund with the goal of reducing the percentage of your portfolio in MU to 10% or less. Without knowing how much we're talking about and your income/savings rate, I don't know if that would take three months or twenty years of savings. The longer it would take, the more inclined I would be to sell some and take the tax hit now for diversification peace of mind.

ordle

Regarding your wealth accumulation, that's great to hear, but imho, you don't need a financial advisor at all. See r/Bogleheads or just put it into a couple well known, low cost index funds like Vanguard VOO, VTI and/or BND.

Advanced-Fudge-4017

Sell 50% and buy VTI with it. Keep 50% invested. I strongly believe meta will still slowly go up over the next 10 years, but it won’t outpace the US market imo. 

Terron1965

Unless you have large amounts of money to invest and are paying for advice your "advisor" is not much more then a salesman. 1 million would not be worth paying for much advice but at 10 million you are going to at least want a tax expert unless its all IRA money. But paying an advisor $1000 a year to manage $1,000,000 is silly. Invest the $1000 in VTI

MBBOrBust-

It really doesn't matter much and falls down to which app experience you like better. I personally invest into Fidelity as that's where my 401K is and I like to see my entire port in one place. Maybe you can hold off til you get a full-time job and transfer it to whichever brokerage your 401k goes to Since you're new, I'd strictly invest into ETFs for now like the S&P 500 (VOO, SPY, FXAIX), VTI, or VT. You can read a bit more on those but overall they're all diversified, safe, and have had solid returns historically. There's a lot that goes into individual stocks which is why I urge people to stay away from them early on. Spend a while researching and truly understanding what they are, how they move, and all the risks associated with them. A lot of people will strictly tell you to stay away, but I truly believe that with the proper research, risk management, and control you can do well while having lots of fun. If you see your ego or FOMO (getting into things with 0 research and conviction in hopes of making a quick play) getting in the way, you step back and stick to ETFs.

GaylrdFocker

VOO + AVUV + VWO = VTI. Just do VTI and either QQQM or SPMO

Huge_Village792

currently down 50k on an LDI leap. I remember when I was 21 I lost 13k on black jack. Luckily 50k loss is within the bounds of my 10% fun money portion of my port. L isten you gambled away 80-90% of presumably yout net worth.. I did that at 21. You can make 10k back through hard work. But if you ever get successful and start making big bucks and don't fix this habit, you will lose larger and larger amounts. Close out your positions, take the free 3k cap gains losses on your taxes for the next 3 years and buy VTI and slowly contribute every-month within a few years you'll be good.

Moby1029

VTI

SpicyNuggs4Lyfe

20+ years ago I'm sure they were a necessity. But with nearly unlimited tools and resources available to people these days there's no need for one unless you have fuck you money. At that point it's more about tax liability and keeping your money safe though. VOO/VTI and chill are legitimate investing strategies. Doesn't take a financial advisor to figure that out lol

thenuttyhazlenut

No other sector will compare to tech for returns in the past 5 years. You shouldn't be looking at past returns to make your choices. You're nearly all tech. In a crash or economic slowdown, your portfolio will fall harder than the index. Look at the top holdings in VOO and VTI. It's all stocks that are similar to your portfolio. AVUV for example has good historic returns (over the very long term), and it doesn't have a lot of tech in it. That's one I'd consider.

EmpatheticAnon

$VOO, $VTI, $SPYG, $FXAIX Only investing advice you’ll ever need. You can have your play around stocks, but a vast majority of your investments should be in ETFs/S&P500 funds that track the market as a whole

IbraMartini

Yeah you could do that if you wish. VOO was just an example of where someone could put their money in. VTI is decent as well. As long as the horizon is far out, any ETF or fund would be grow well.

PTTCollin

I mean it's split between VTI/VOO/VGK with some cash (<1%), but yeah, effectively. But yes, I am also like 30 unmarried with no kids. Don't see what the FA would give me.

Andeo23

I used Edward Jones as well, up until April of this year. I read “The Little Book on Common Sense Investing” by John Bogle and it changed my life. I wasted so much money in fees for so many years and did not realize there was an alternative. I removed my money from EJ and am now 65 VTI and 35 VXUS using Vanguard.

That_Astronomy_Guy

Potentially. It may even grow greater than 2x. However, given the SP500 performance over the last five years, you could double your investment in a corresponding ETF like VTI if past is prologue. Personally, I have $50k invested in NVDA and $100k in VTI as well as another $50k in VXUS. I’m planning on exiting a portion of my NVDA position and moving towards more international exposure. NVDA will probably continue to grow but I’m risk adverse. I’d diversify that $200k with maybe half in NVDA and the rest in broad market funds. Obviously that’s assuming this is a significant chunk of your portfolio.

Nosemyfart

Not individual names, but I'm thinking of buying the nifty 200 or something like that. I'm a complete proponent of just sticking with VT or VTI +VXUS, but as an ex Indian, I do see the tremendous growth potential back there and am willing to risk a small portion of my net worth directly in the nifty index

ConcentrateOk523

Not buying it. Stick with VTI.

mbuser

Can anyone please help point me to a tool for individuals that would allow for inputting a number of stock, ETF, and mutual fund holdings, and have it produce a % breakdown of specific holdings across the portfolio? For example, if I entered certain amounts of VTI and SPY and GOOG, the breakdown in total portfolio holdings shows %s based on how VTI and SPY are made up, not just "33% SPY." I recall Morningstar Advisor Workstation allowing for something like this, but that was for financial professionals. Thanks

mbuser

Can anyone please help point me to a tool for individuals that would allow for inputting a number of stock, ETF, and mutual fund holdings, and have it produce a % breakdown of specific holdings across the portfolio? For example, if I entered certain amounts of VTI and SPY and GOOG, the breakdown in total portfolio holdings shows %s based on how VTI and SPY are made up, not just "33% SPY." I recall Morningstar Advisor Workstation allowing for something like this, but that was for financial professionals. Thanks and forgive the hijack, I posted this elsewhere with no reply.

havntmadeityet

VTI the only thing performing in my portfolio

mbuser

Can anyone please help point me to a tool for individuals that would allow for inputting a number of stock, ETF, and mutual fund holdings, and have it produce a % breakdown of specific holdings across the portfolio? For example, if I entered certain amounts of VTI and SPY and GOOG, the breakdown in total portfolio holdings shows %s based on how VTI and SPY are made up, not just "33% SPY." I recall Morningstar Advisor Workstation allowing for something like this, but that was for financial professionals. Thanks and please forgive the hijack, I posted this elsewhere with no reply.

b1gb0n312

brokerage account: VTI

AffectionateEcho7759

Yes thank you for the advice I’m going to be freezing pltr for the first few months of 2026 because I feel very un easy with it being such big part of my portfolio lol. When I first started in June I was like 40% pltr and 60% spy till I started realizing if pltr drops im beyond cooked because I didn’t really get into pltr at a cheap price so everytime it moves a little down my profits diminish so yea I’m going to stop pltr for awhile. I’m thinking of maybe not having qqq I have stronger conviction in those tech giants so I might just focus heavy on them and drop qqq and replace with an international etf. For my Roth in opening in 2026 im going VTI and VXUS

HenriST2

Yeah I'm changing my mind and I'm gonna go with VTI. I'm seeing several people recommend it, and the returns are undeniable

dooknuckduster

I'd recommend low cost, globally diversified index funds such as VT (65% US, 35% ex-US), or VTI (total US) and VXUS (total international ex-US). You have decades and decades of runway for your portfolio to grow. Dividends don't really matter in this case, total return makes sense in accumulation. [https://www.bogleheads.org/wiki/Lazy\_portfolios](https://www.bogleheads.org/wiki/Lazy_portfolios)

Newbiewhitekicks

So you have another taxable account that’s pure gambling? It’s difficult to give advice if you don’t give us the full picture. Do not buy dividends at all, and especially do not buy them in a taxable account. Total return is all that matters. VXUS is total ex-US. You add it to diversify your portfolio and insure wealth when you’re old. Ideally you’d pick VTI to couple it with, but you seem to like the S&P only. VOO is missing small cap so you’ll need to add it. Remember, dividends, or sell anything in a taxable account will create a taxable event.

gangien

your best investment, might very well be in yourself. having a good career >> than getting a 10k head start. That said, if you have all that taken care of, great. At that point I'd dump it into VOO, or VTI.

KawaiiGeorgiaPeach

VTI VOO VXUS etc r/bogleheads

Newbiewhitekicks

VTI/VXUS at 70/30 and don’t look at it for 30 years. When investing in a taxable account, your goal is to be as tax efficient as possible.

crazybutthole

at 19 you should prioritize growth and dont spend alot of time trying to learn to trade stocks or become some.master investor. you can buy and hold any legit index fund like VOO or SPYM or QQQM or VTI and be just fine for a long time in the mean time - just focus on increasing your earning potential so you can save more. and learn to save. like really save if you can start now and save X% every week with a plan to increase that percent every year - you will be very ready for retirement compared to your peers

SirThaddeusGumdrop

VTI and VOO have had significantly lower returns than NVDA over the last decade. The whole point of owning everything is you don’t know what the winners will be. Could be European pharmaceuticals or Japanese banks for all we know.

SprinklesMany2038

Deduct 3k for the next 12 years. Invest in a globally diverse fund like VT or 60% us VTI & 40% international. VXUS And keep invested for the long haul. People have lost more just browsing wallstreetbets will help knowing more has been lost. Read some investing books to reassure you you are doing the prudent thing and disable options trading as well. You are young and you still have close to 40k to invest. Most don't.

enterboss

VTI

OrdinaryReasonable63

The Bobbleheads would tell you to do something like VTI/VXUS (70/30 or so) and some allocation to bonds (advocated by Bogle but increasingly being abandoned for all equity portfolios). I say you bet the house on Gold, baby!

iloveu3thousand

This has been answered 1000 times. Look into VTI/VXUS or other low cost ETFs. Ultimately if you have to ask you probably need an advisor to manage money for you. Also, I'm not sure I understand your original statement, is most of your current investments in NVDA? If so, that's an entirely separate concern.

brendonap

VTI

Ok-Piano8789

10 years short VTI long VXUS free money

house9

Might just want to invest in good ETF instead of picking individual stocks? VOO / VTI / VXUS / VT / VGT

OhNoHippo

NVO calls, VTI long-dated puts

Aggressive-Ad-2707

Congrats man! Similar port except VTI also up quite a bit. This was a great year

DoctorMario1000

Up $300k this year in gains from holding a shitload of tech stocks , VTI, and gold. 🥳

reddit-abcde

why not VTI?

LAtoBay

You are young so think of this as a costly but good lesson in investing. The market has gone up 3 years straight and you are down, feels like you are gambling, not investing. Since you are young your best asset is time, invest slowly, dollar cost average, get your investments on solid ground (VOO, VWO, NOBL, VIOO, VTI) diversification, low cost index funds, boring I know. Once you have this established then you can mess around with 3-5% of your portfolio on risky assets. I think a lot of people have this backwards and eventually it ends bad. I feel for you, I have made similar mistakes when I was younger, you can and will recover. Please don’t “double down”. Good luck!

neonam11

Forgive yourself. We have all been there and lost some significant amount of money. The important thing is to learn from your experiences. Stay away from options and daytrading start investing in VTI and VXUS until you are comfortable. Only then, invest a small portion of your total investment, about 10% or less in single stocks

Venerable-Gandalf

Stay the fuck away from options. Put that money in VOO or VTI and FORGET ABOUT IT. In 5 years you will have all your money back and that’s assuming you don’t add any money to the initial 37k. If you steadily contribute you will surpass your initial loss much much faster. Sure 5 years may seem like a lot but it’s better than losing it all. Again stay away from options and day trading and just invest and keep buying more each pay check. You’ll get there in 2 years if you are smart.

CantaloupeFearless28

If you look at their top 10 holdings, there isn't a huge difference. US total stock market value (what VTI represets) is \~$71 trillion vs S&P 500 (what VOO represents) is \~$61 trillion. At this point, you both are right and it won't make a huge difference in return. I would suggest, go with 50% - 50%, and keep an eye on the market situation and adjust the percentage.

crazybutthole

for me - i have a momentum trading account where when i decide to buy a position i just buy enough shares that its about 3% of my portfolio. then if i was right and it starts to increase in value i buy a bit more (maybe 1% each day) over the course of the next few days but i stop when i get to 6% of my portfolio then i stop buying and set stop limits (up and down) so for me a full poisition is 6% and then i watch it. and update my stop limits every day or every few days. as long as it keeps rising.....i might hold for a bit but if it loses momentum - then i sell it and start looking for the next one to jump on. (i might hold as much as 10-12 positions at any time and rotate the rest of my money in that portfolio between VTI QQQ VOO and BOXX in vraious weighting as needed)

sadlyfe

What age are you planning on fully retiring? What are your total liquid assets? Please do NOT listen to the people that are telling you to go all in on VTI or VOO - the most important thing for you right now to consider is your time horizon. It sounds like youre nearing retirement age (around or less than 10 years), and that’s the biggest factor to consider. Another dimension to consider is your short term inability to work. You should have enough cash to cover 1~3 months of expenses, and about 6 months of expenses in extremely conservative and liquid assets (MM or Tbills). The job market is also not the greatest right now, can you guarantee 6 month later you can have employment or a steady income again? This is not financial advice. Consider finding a professional, preferably a fiduciary, that is single fee based and plan out your scenario.

Hot-Principle-9215

Damn retiring at 35 is the dream right there. I'm still figuring out if I want to go VTI or just stick with my target date funds but posts like this make me think I should just keep it simple Three years cash sounds solid too, gives you that peace of mind when the market gets weird

Numerous_Big_3680

This is a solid breakdown but just wanted to add that FXAIX has been crushing it lately because large cap has been on fire, especially tech. VTI includes small/mid cap which has been dragging behind. Tax efficiency definitely matters long term though - those yearly distributions from mutual funds can add up

DorianSoundscapes

Bro seriously, like the fucking value investing people pumping NOVO and shitting on RKLB or the Bogleheads wringing their hands over VT vs VTI and ranting about how QQQ is totally a waste of money over QQQM and then they have a seizure if you mention selling covered calls. Bruh. I will take the brotherhood of the all the gooning autists losing all their money on 0DTEs and full porting meme stocks over the self-important mediocrity of boomer index chumps any day of the week. This is by far the best investing sub in terms of humor, actually good stock pics and info (gotta be selective there is some ridiculous shit too) and helpfulness and lack of gate-keeping.

Consistent-Pin-446

SGOV all of it, aggressively DCA into VTI

Kickboy21

Don’t bother buying options again because you clearly are too retarded and will blow up your portfolio again. Stick with shares on SPY/MAG7/VOO/VTI.

That_anonymous_guy18

I put 20K in VTI

AdmirableLead6134

Just buy VOO or 80%VOO/20%VXUS or VTI

Poundcake2RedVelvet

Do this 1. Majority ETFs, only 20% maximum should ever be devoted to any tilt or individual stocks. 2. Your ETFs should be passive, low cost index funds with exposure to the entire world. VT is generally the standard all world ETF, VTI + VXUS if you want to control % each is in your portfolio. I'm unsure what the Canadian equivalent is but there is always an equivalent in any developed market. 3. Learn your tax advantaged accounts and take advantage of those accounts. One of the biggest pitfalls in investing is not planning for future tax events, especially if you are withdrawing for a house down payment you will pay a big tax bill without any planning for this event. 4. ***IMPORTANT*** While places online, like reddit, can offer very good advice, the best information comes from you directly researching and learning from verified, professionally organized and edited information, like an online encyclopedia like Investopedia or from your brokerage company. 5. Learn what FOMO is and how to recognize it in others and yourself. 6. Learn what DCA is and understand timing the market only ever works if you are extremely lucky.

Different_Height_157

VT, VTI, VOO, VGT, pick one based on how risk adverse you are. You can alternatively focus on one of the first two and a little on the last. It doesn’t have to be Vanguard ETFs either. Other firms have similar funds.

zbern

If you are going to split, just go VOO. The small allocation in mid and small caps in VTI can affect the performance but the holdings are so tiny but it does give exposure. However, if you split then the allocation to small and mid caps gets cut in half. No point in splitting if you use VTI to also get exposure to the other market caps.

strangehitman22

Alot of people are saying VOO and VTI, should I split 50/50?

MaxDragonMan

If your time horizon is 30 years what you want is an ETF. You're going to let it sit, and check on it every year to adjust your strategy if your life circumstances change. The ETF you want is probably VOO or VTI. The first tracks the S&P500, the latter tracks the broader market. (Including the S&P500.)

Zigxy

FZROX if you have Fidelity VTI or VOO perfectly fine too

caesar____augustus

> Buy VTI and stop pretending you know anything. This is good advice though. You're a new investor and all the research in the world won't prepare you for the volatility of buying individual stocks, many of which have seen massive price changes over the past few years. Buy index funds and then add a little "fun money" over time for individual stocks.

InjuryEmbarrassed532

Buy VTI and stop pretending you know anything.

Constant_Counter_595

This is solid advice OP. You're already doing decent with the tech picks but honestly throwing it all into something like VTI or VTSAX and forgetting about it is probably gonna beat whatever stock picking you're doing. The math is pretty brutal - like 80% of active fund managers can't even beat the market long term and they do this for a living That $250/month into individual stocks could probably just go into more index funds unless you really enjoy the research part

NaughtyOnCrutches

Both VTI and VOO have their merits. VTI offers broader exposure to the entire U.S. stock market, while VOO focuses on the S&P 500. Diversification can help manage risk, so adding VXUS and bonds could be a smart move. It's important to consider your investment goals and risk tolerance.

Boatride65

VOO or SPY for sure. I have VTI total market which is a good idea also. 50% in index, 40% in stock, 10% cash or cash equivalents (T-bills).