VTI
Vanguard Total Stock Market Index Fund ETF Shares
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23 F advice on my long term portfolio: VTI/QQQM/Costco
Is it ok to never have bonds if you start investing early?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
What to do with $300,000 just sitting in my checking account?
Thoughts on 31yo investment portfolio - big pay raise next year and questions
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
I'm creating a portfolio for my brother, any thoughts?
Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
3rd year of maxing out my roth ira. How do my allocations look
Limited International Fund Options in Employer’s 401K Plan?
Choosing spouses growth stocks for taxable account
Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Thinking about a higher growth portfolio for the new year.
30 year old. What's got the greatest possible potential for returns? TQQQ?
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"
With IRAs about to reset for 2014 what are you all planning to buy?
Portfollio allocation after move from edward jones
Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?
Investing brokerage accounts for my kids and nieces - best course of action?
Investing advice for moving around 100k into ETFs
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
Mentions
What Ive done is set up long term portfolio and a swing trading portfolio. I only buy VOO, VTI, QQQ on huge red days and DCA when there’s huge pull backs towards my long term. I dedicated 3 years to watching and analyzing the markets so I can swing/daytrade. Last year I took my swing trading portfolio to +600%. I used my profits to add to my long term positions. I highly recommend that anyone looking to understand the markets, dedicate at least 3-4 years of watching price action and understanding major technical levels. The best investment is in yourself.
Nah I just sold 50% of VTI yesterday when Spy was around 568-569
VOO and VTI are basically identical. I started with VOO years ago so I just stuck with it. I cover probably 90+% of the investable market globally. I'm OK with that.
60% VTI, 20% VXUS, 20% FTEC The companies held in those funds are well diversified and almost certainly will be the ones in the future to reap the benefits of tech innovation. They will either be the ones to innovate or they will buy the companies that do. VTI is a broad market U.S. fund, VXUS is a broad market non-U.S. fund, and FTEC is a tech sector focused fund, but even VTI and VXUS have an outsider portion of their holdings in tech already, which is why I only recommended 20% in FTEC. This allocation remains reasonable while meeting your goal of a strongly tech tilted strategy.
I’m a proponent of VOO/VTI and chill, but the recent recovery feels like such an insane bull trap. Sourcing/supply chain/engineering is freaking out at my company. Front loaded inventory to avoid tariffs is depleting and some core components are about to double or more in price. Suppliers for our components are squeezed at both ends. Nearly everything is impacted by tariffs.
Yeah because it was down big time in 2022 😂 imagine being dumb enough to cite a single year while not providing what happened the previous year. Since I have to spell it out for you: we had a post covid high of VTI $242 in November 2021. We didn’t get back to VTI $242 until January 2024.
You’re 23 in options??! Open a Roth IRA and throw it into GBTC or VTI or anything really. You could turn 30k into millions by 40 years. https://www.portfoliovisualizer.com/monte-carlo-simulation
Very much worth it. My recommendation is don't hold to their stock, unless you'd consciously want to put all your eggs in one basket and you're a big fan of that company Sell immediately and buy a diversified ETF like VTI Yes, you will pay some tax from short term capital gains, but then you just hold VTI (or whatever you like)
All of them are ETFs which are basically collections of a bunch of different stocks and in this case VTI tracks the US market, VOO tracks the S&P500, and VXUS tracks international markets. That's kind of all you need to know. In my opinion VTI+VOO is indeed redundant. Also I'm pretty sure this guy is talking about buying individual stocks like going all in on Tesla or Google for example. Maxing the Roth before the next year is nice but they give you until April to contribute to the current year.
Okay so I initially invested $300 into VTI and then I was immediately seeing all kings of posts about VOO so I decided to go ahead and invest in it as well and then determine which I would make my main investment. I do notice that VOO is basically part of VTI making owning both a little redundant maybe? I’ve not research VXUS, I’ll have to look into it. I still really don’t even know what I’m looking at when looking at stocks and all the numbers with them lol
I would suggest VTI and VXUS instead of VOO. VTI is an ETF which tracks the entire US stock market, which also includes all of VOO giving you less diversity. VXUS covers international markets which lets you cover the rest of the world too.
I gave up, sold last puts today and moved into VTI. Bears feasting starting next week. You're welcome you little cuddly fur balls you.
I’m the same opinion as you. I’m net way up throughout my life timing the markets, so if I’m wrong this time so be it. I had $5M in VTI I liquidated back in Feb, and I’m unemployed with lots of generalized anxiety. I’m nervous right now watching this rally but I believe in my thesis. My consolation to myself is that if I stayed in, who knows how I would have reacted around liberation day seeing my portfolio down over $1M+ YTD. I feel currently that being wrong and getting in late is better than staying in and seeing massive downside for an extended period of time. Right now I still have purchasing power and I can support my lifestyle spending off the 4% interest. I would rather the worst case be giving up some upside to prevent downside and more importantly save my mental health. My portfolio is large so I understand I’m quite fortunate but seeing those kinds of losses, even unrealized can take a massive toll on a person. At the time it was reasonable to thing that the bottom was going to fall out of the market and it could last an extended period of time. Sometimes maximizing returns isn’t the best way to live life. Extreme volatility can feel like a legitimate physical and mental heath concern. Even if I were invested right now, this massive rally would also have me stressed because I cannot reconcile it and I would be worried about the other shoe dropping and trying to decide if I should stay in or de-risk.
As long as the class isn't like 100 students it is likely that buying something very boring like VTI will net you top half of the class. People picking individual stocks don't beat the general market on average. So VTI, VT, SPY, these are all relatively similar but technically different. You are unlikely to get #1, but you are very likely to get top half. If you go TQQQ or SQQQ you have a much better chance of getting either #1 or last in the class because of how volatile they are. If there's no benefit to being #1 there is no benefit to picking one of those stocks.
lol the funny thing is that’s about what I added to my Roth on the most recent selloff. Picked up VTI at 238, 246, 257….the trick is to buy slowly so n the way down.
GDE could be a good blend of both, depending on why you sold half your VTI
wtf? tell your loser parents to pound sand. you owe them nothing. invest that 15k yesterday in VTI/VXUS. you are behind.
Don't sweat it man. Some people here are just fucking rude. IDK why they care so much what other people do with their money and want to shit all over them. It's your money and your life. Do what you want with it. I made one post here and will never do it again. Mine was actually about investing and not trading and a few people were still fucking cunts. We all know most traders lose but there are some out there who do it successfully, without insider trading, and make far more than anyone will ever make with VOO or VTI. Consistently. It's not impossible. This sub is a hive mind. Check out r/daytrading if you haven't already. They probably won't treat you as poorly as the people here will. Good luck!
Sold half VTI, time to buy gold, or maybe GDE?
Put it in all VOO or VTI. Delete the app. Write the password down and forget about it.
A lot of people have claimed that TDFs are too conservative for a young investor. I disagree, though it does depend on the fund & the investor. Bonds account for very little of the difference in performance between an all-US-stock portfolio & many TDFs designed for young investors. Bonds have had little impact on the performance of these performance TDFs; it's mostly been the international stocks. Adding international stocks doesn't make a fund more conservative. Historically, US stocks & international stocks have taken turns outperforming each other. US stocks have dominated recently, but that tide could turn at any time. I'm most familiar with Vanguard's TDFs, so I'll use them as an example. I've never invested in one, but they're a great choice for a lot of investors who value convenience & are willing to pay a little bit for it. Vanguard TDFs start out with a 90/10 stock/bond allocation & stick with that for many years before starting to gradually shift more towards bonds twenty-five years before the target date. The difference in performance between a 90/10 portfolio & a 100/0 portfolio is usually pretty small, but the difference in risk is usually much larger. This makes it much easier for an investor to hold onto the TDF through a bear market instead of selling in a panic, a move that would cost much more than the performance difference. For a US-only portfolio, over the last 30+ years, the performance difference has been less than 0.4% CAGR. However, the risk (standard deviation) difference has been about 1.5%. (I expect longer time periods would show similar results.) 22 years into this comparison, the 90/10 portfolio was slightly ahead. Only the longest bull market in US history created much of a gap. Why then, you may ask, have funds like Vanguard Total Stock Market Fund (VTSAX & VTI) beaten Vanguard's TDFs by such a large margin recently? The answer is not bonds; it's international stocks. So, pick an all-US-stock portfolio (total market or S&P 500) over a TDF if you like. But please understand that the TDF is only slightly more conservative & has its own advantages. Of course, past performance is not an indicator of future results. https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=2&startYear=1972&firstMonth=1&endYear=2023&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&asset1=TotalStockMarket&allocation1_1=100&allocation1_2=90&allocation1_3=54&asset2=TotalBond&allocation2_2=10&allocation2_3=10&asset3=IntlStockMarket&allocation3_3=36&asset4=GlobalBond I didn't include international bonds in my analysis because their impact on the portfolio is small. Also, the comparison period would have been much shorter because some years of data are not available for international bonds.
Learn how to read a report. VTTSX total return per year is: * 14.63% in 2024 * 20.18% in 2023 * \-17.46% in 2022 * 16.44% in 2021 VTI total return is: * 23.71% in 2024 * 26.11% in 2023 * \-19.11% in 2022 * 25.64% in 2021 Both fund had stellar performance basically, for sure VTI had better performance because it is invested 100% in US funds while VTTSX has 50% US stocks, 40% INTL stocks and 10% bonds. If this was not what you wanted, you should never have been in VTTSX. But if you ask me, VTTSX is much better diversified investment than VTI and far less likely to have so bad performance is for example the USA lags because of some change in policy like tariffs. Now honestly nobody care if you go for 100% VTI. This isn't a bad investment just 100% US stocks and less diversified. More likely to perform exceptionally but also more likely to perform extremely bad.
Consider a portion for an index fund like VTI to anchor the portfolio with some diversification.
Who is talking about selling everything? I'm certainly not. But I have trimmed and reallocated based on what I believe is happening and will happen in the future which to me seems prudent. If you're a boglehead buy and hold VTI exclusively type I mean that's fine. I have those allocations as well. But I think the market is whistling past the graveyard a bit personally. Guess that's what makes a market. I'll give you the rest of my planned US Equities at 5800 if you'd like them.
I didn't move much to cash and probably still won't. I am, however, DCAing OUT ot VTI during this rally and DCAing in defensive and diversified positions with new money.
The best time to start is always now not tomorrow. Start first with a single ETF and wait for it to grow for at least 5 years. Once you have additional capital, you can diversify with other ETFs. Invest now with VTI ( this is an ETF that invests in all listed companies in the US) or with VOO ( an ETF that invests in companies listed in S&P500 - the top 500 companies in the US). You can set to automate your deposit monthly, set and forget for a while. It may dip once in a while but the overall trajectory will always be up so do not panic
Target date funds are a good default choice to give reasonable returns for reasonable risk. Switching to 100% stocks (such as VTI or better VT) can make sense too, but I would consider that slightly more advanced. Only do it if you're fully aware of and willing and able to accept the additional risk. Otherwise, chances are you'll trade out of it during the next market crash because something else performed better. Chasing performance pretty much guarantees poor results.
This. VTI at the beginning of the year multiplied by the Dollar index was ~31,385 Today it's ~27,452 Even though VTI is down 5.1% ytd, it's actually down 12.5% when combined with dollar devaluation.
Where do you see performance for VTTSX? I see 3yr gain 9.34 % PER YEAR. 5yr is 12.84 PER YEAR. The performance for VTI is 11.3 and 15.0 %. Per year. Don’t forget 2022 was a down year for stocks and bonds.
Yeah, less than 10% bonds and also 37% international. TDFs are pretty much the entire worldwide market, VTI is the DOMESTIC market. The US has greatly outperformed internationals in the last 5 years, so yes, it does explain why VTI has almost doubled the returns of the TDF.
Yeah it’s less than 10% bonds. Still doesn’t explain why VTI has a return that is DOUBLE that of VTTSX over the last 10 years. Seems more like poor management.
TDFs aren’t meant to perform the same as the market. TDFs have bonds, VTI doesn’t, of course it’s “underperforming” the market…
VTTSX under performed VTI on the 1, 5, and 10 year charts… The last 4 years has just been the most obvious example because the fund has returned essentially nil.
Definitely. Unfortunately, a lot of target date funds underperform. VTI is a good option. Maybe even allocate a percentage to something more growth oriented since you have 35 years or so to go
Same, I throw about 5% in the casino and the rest is in VTI and VXUS. Full port options is insane and a gambling addiction lmao
Buying rental properties and investing, period. Invest in broad index funds (VOO/VTI) and over time, watch it grow and compound.
I sold OTM calls. Own VTI but sold calls on spy. Vti shares wouldn't get called away obviously, but I'm ok closing at a loss if needed. We'll see how it plays out
Nah I have a 5k one. I just have 3/4 of it in VTI and QQQ and actively trade with the other fourth.
First off, you're doing great thinking about investing early on! Living at home and having low expenses gives you a nice cushion to work with. Personally, I'd say dial up the 401k contributions especially if your employer matches more. Free money, man! For diversification, VTI is solid but maybe sprinkle in some bonds or international ETFs, just to mix things up. Tax-wise, personal brokerage accounts aren't super difficult, just keep an eye on long vs short-term gains. I had a similar dilemma starting out, and a buddy introduced me to something called Hedge where you're able to invest with friends. It kind of made the whole thing less intimidating. For money that's not locked away, maybe look into a high-yield savings account or short-term bonds. They give you some flexibility in case you need it sooner. Keep exploring, you got this!
1. Their cash plus sucks. Just put the cash into their normal settlement account. It's designed to sweep into their money market fund nightly (VMFXX). That's paying 4.12% now, which is some of the highest rates. 2. When you say 'best' fund, do you mean a long term investment? Or a shorter term investment for your house? If longer, can't go wrong with VOO/VTI/VT. Pick one and stick with it. If shorter, again, I'd recommend their money market auto-sweep. You don't even have to think about it!
No, VTI is down since the markets hit their high in February. Weird you would claim something that’s so easily referenced. [VTI closed at 300.24 on 1/30. Yesterday it closed at 274.01.](https://www.google.com/finance/quote/VTI:NYSEARCA?sa=X&ved=2ahUKEwj37Lq0_YKNAxXyBTQIHRsYIA4Q3ecFegQIIxAc) You’re either arguing in completely bad faith, or you’re so foolish you’re looking at the wrong data.
I sold my 100% VTI portfolio in late January at 295 and put it all into treasuries because the writing was on the wall. I started buying back a few weeks ago and I am still holding on to 25% treasuries. I beat the market by a significant margin by not holding when it was clear what was coming. Timing the market can work for large macro events - it worked beautifully for me in 2020 with COVID, and it worked again.
The market? VTI is up since February, I just looked at the data?
I don’t understand the concept of having your money sit unless you need within a year or less. My timeline is 5-10 years. Maybe a little longer. I continue to max out VTI and VT in my brokerage as well as max out my target date fund Roth IRA. These ups and downs are a part of the market. Zoom out. You’ll be glad you bought now instead of ATH
You can't roll options when the market is closed. I don't believe VTI options have extended hours -- heck, it barely has a market during normal hours -- so the point is moot. Your choices are, while the market is still open, (1) roll, or (2) buy to close, or (3) just hold and allow expiration processing to happen. Waiting until "after hours" doesn't do anything useful.
I'm dollar cost averaging into large, mid, and small cap low volitility ETFs. It's also due to me being in my mid 40s. Others will shout about needing VOO or VTI, but it depends on your time horizon and if you need to withdraw sooner.
Just bought 100k in VTI SHARES. Do I belong here?
You did the same like most new investors, buy high sell low. Sounds good but the best way to do it is buy what you know, what you love. If you don't love it don't buy it. If you heard about it and it's FOMO, you going to be losing your shirt. Buy mostly less exciting stocks like BRK.B, SPY, and then if you want to gamble, gamble on a smaller amount. If you like the casino and a gambling is in your blood, then by all means have a round. Otherwise I would just get VOO/VTI as others have said and chill.
My advice to you would be to hold broad market index ETF's such as VOO (or VTI) and QQQM. Add SCHD if you want less volatility. IMO NVDA AMZN and MSFT are great picks to hold long term - but unless you keep track of their business and financial health and the industries they operate in, I would stay away from individual stocks. What's good/great today doesn't mean it will be tomorrow. If you're not going to put in the effort to learn and keep up to date with them, let the index work for you instead. Just look at long term cart for VOO/QQQM and it goes up over time. Anyone suggesting to you to hold cash or equivalents doesn't have long term money in the markets. If they did, they'd be highly profitable on those investments, substantially more than in cash, and therefore would not be suggesting cash. See so many posts here on how Buffet is so smart hording cash. But what if I told you he started building his large cash position in 2015 at $100b, and it has just been growing to $330b today (by adding more cash, not by the $100b itself growing). Well $330b certainly collects alot of interest. But what if I told you SP500 5 year return is almost 100% (or double) and 10 year return is 166%. For reference, 4% annual yield on cash doubles in 18 years.
Nope. I have a 30 year investment horizon, so for the foreseeable future I will VTI and chill. In hard times like these, I buy more VTI and chill even harder
Broad market funds like VOO and VTI are the best choice for entering into equity investing.
I recommend adding some ETFs like VOO, VTI and VYM to add some diversification to your portfolio.
Stop gamblevesting. Use a broad market index fund like VTI. Buy every paycheck. Never sell. Keep buying for year and decades. Get rich slow.
VTI and some exposure to a Bitcoin etf and you’re cooking at 24
If you own VTI and VXUS , almost anything will be redundant as VTI and VXUS contains almost every stock
Hell yeah brother, sold at the equivalent of 240 VTI, literal bottom
You are only 24. VTI and relax. You can even take some risk while you’re young and invest in one of the Mag7 stocks.
I have roth ira but I dont have an brokerage account. I'm not great at picking stocks but I also dont want it to be redundant to my roth portfolio. Roth majority consists of VTI, VUG, VXUS, BND. Down for the year (arent we all) but overall portfolio has an 8.8% return. Advice for choosing stocks for brokerage account? Stock advice for brokerage?
UPDATE I liquidated my entire portfolio including retirement on march 3rd when VTI was 293. I bought back in on the mega dip and posted every day. I made a total of one swing trade where I bought and sold the index once, then fully went long the index at VTI 249. If yall remember I had targeted the bottom at 245.99 but I missed it slightly. My portfolio is up 15% YTD.
Same I don't know why I have mutual funds to begin with other than someone saying "VTSAX"... VTI is the same thing and I can actually control when I buy/sell it.
Only 5% of my money is in the casino and the rest is VTI lol
It's actually refreshing to see you asking ***before*** you buy, lol. So many people here ask for advice after they've invested thousands of dollars. Basic Guidelines for Starting: 1) Stick to mostly ETFs that track a broad market. 2) If you really want to buy some individual stocks, don't let them account for any more than 15% of your portfolio, and don't let any one holding be more than 5%. This should minimize downside risk. I'd say this is true for ETFs of speculative up-and-coming industries as well... (ETFs focused around Crypto/Flying Vehicles/Quantum Computing/Nuclear Energy, etc...) 3) Dividends aren't some magic bullet that will earn you more money. Growth and total price appreciation is the most important thing, especially if you are at least 10 years from retirement. If you aren't in a tax-advantaged account, then you will have to pay taxes on those dividends anyway, further reducing gains. 4) It is probably a good idea to get some international exposure. The US has outperformed in recent years, but that will not always be the case. 5) Before buying any ETF, I usually look at the top 10 holdings, and how much of the overall ETF they make up. I also read the fund description to see what it is trying to accomplish. I also look to see if the fund overlaps with one of my other holdings. As an example: VTI's description says it invests in the entire US market, including small, medium, and large cap stocks. VOO's description mentions it is only investing in the 500 largest stocks by market cap. VTI and VOO both have the same top 10 holdings. The top 10 in VOO make up 33.6% of the total ETF. The top 10 in VTI make up 29.2% of the total ETF. The funds have an overlap 88% by weight. Both funds are dominated by tech companies. With that I might decide to buy VTI because I want some exposure to those smaller companies. My starting portfolio might look something like this: 60% VTI (Total US Market) 30% VXUS (Total International Market) 5% NVDA (Company I have a strong belief in) 2% IBIT (Bitcoin Trust) 3% NLR (ETF Focused around Nuclear Energy) That portfolio has 90% of holdings in broad markets that covers the entire world, but I have a couple of more specialized picks based on my beliefs about the future. It is just an example, but hopefully it helps.
Your 401k might not even let you choose your investments, that being said if you punt your retirement away you will regret it. Just hold VTI or some other diversified ETF and you will see large gains in 20-30 years.
You can't claim it on your taxes if you buy it back within 30 days. That's another reason being diversified is very helpful and a reason why ETFs are so advantageous for retail investors. If the market goes down and you are down $3000 on your VTI, you are not allowed to sell it and buy it back for tax loss harvesting. With that said you can sell it can buy VOO instead and your position is different enough for tax deduction purposes but your position isn't substantially different overall in reality. That is to say you haven't actually lost much earnings potential either way. The required attention and risk are both minimized. Furthermore, you can sell and transfer the money into your IRA and double up on tax deductions or transfer to your Roth IRA and never pay taxes on the growth. Doing this enough enables you to reduce your taxible income by up to $10,000 between the IRA and income loss deduction. This is a primary skill that swings the odds from 70% of individual investors losing money overall to making decent gains.
I wouldn't overthink it man. Just invest I businesses you believe in and focus on them. Or VTI and chill.
Im going to take some cheap VTI calls EOD before trumps speech
Yes. Please. (I want to buy VTI on a discount next week.)
> I'm not a fan of the Boglehead-style "put everything in VTI" approach — I'm looking for more detailed, sector-aware input from folks who actively manage their portfolios. By "diversifying" across so many sectors you've effectively made your own custom "VTI". Technology is roughly 30% of VOO or VTI and you're right in the ballpark. Don't see any point in you trying to manage the mix on your own. When people go "anti-VTI" it's usually for a mix of indivdual stocks and/or some income ETF's; and also some amount of VTI/VOO. You can sell some stock in your low income year to get a little bit of a tax break. But I wouldn't liquidate a good position simply for a one time tax break - sell when you want to sell. A one time tax benefit on ladder system doesn't amount to so much when you calculate out the numbers - if it was a recurring benefit sure it adds up.
VTI and VXUS are the best ways to buy gold.
Skip the IUL for now - it's expensive and complicated. You're young, so Roth IRA is your best bet. Open a Roth at Fidelity/Vanguard, dump the 5k into a total market index fund (VTI or FSKAX), and keep adding what you can up to the yearly limit. The beauty of Roth? You pay taxes now when you're in a lower tax bracket, then all future growth is tax-free. Plus you can pull out contributions anytime without penalties if needed.
Having solid index fund exposure should be your foundation before branching into other assets. With your income and age, missing out on the tax advantages of maxing 401k/IRA first would be a mistake. What I've learned is that most successful investors start with low-cost index funds (70-80% of portfolio) before expanding into real estate/alternatives. Property management isn't passive - start with VTI/VXUS while learning RE fundamentals.
The diference in price is negligible for someone that is just buying a holding something like VTI. If you are buying $500 worth of ETFs you are much better off with a free service instead of oaying $5 a trade, especially with extremely liquid ETFs where price difference will be non-existant.
> Are Index Funds truly safe Depends on your definition of “safe”. - If you mean “can’t lose money” then no, index funds absolutely are not safe. - But if you mean grow over the long term (decades not years and certainly not months) then yes index funds are “safe”. > For those who invest in only index funds, what people think that they will truly continue to go up forever, albeit going down and up at times? A broad index fund will, by definition, go up as long as the world markets/economy continue to go in a positive direction long term > What is there to suggest that some new financial tool will not replace index funds? What is there to suggest that some new tool *will*? Don’t deal in hypotheticals, deal in reality, and the reality is that broad market index funds have grown immensely over the years. > Is VTI and VOO truly that safe? Well, there’s obviously the risk that the US doesn’t always outperform the rest of the world, which is a practical impossibility. So owning a globally diversified portfolio is also important. > For those with a long time horizon, will these index funds truly keep going up? As long as western civilization exists, yes an index fund will continue to go up. It has to. > If they’re 270 today, can we expect 2000 plus in 40 years? You can reasonably estimate 7-8% average annual return if you want to be on the conservative side.
Correct. Betting against VOO and thinking VT or VTI are going to dominate is going against everything we've ever known over the past 80 years or so. No one knows for sure but I don't see signs that there are fundamental shifts ahead. Either US factories once again dominate or we stay pretty much the same; there will likely be shifts in job markets this term but we will still hold most of the money bags.
The last “Trump blip” was +70% return for VTI in 4 years. I wouldn’t even accept your premise that the market is “currently undergoing major identity issues.” We always think we are currently living in special and unprecedented times, but looking back at history things are currently pretty mundane by comparison.
Stick it all in VTI or VTSAX and just live off the dividends/growth and hope for the best. For sure do not gamble it away chasing more money. You got the money. Money most can only dream of. You need to shift from “accumulation” mindset to “preservation” mindset. Even all stocks, like VTI (total stock market fund) many might say is too risky. But being young I think you’d be able/have time to ride out any ups and downs. If you are more conservative (doubtful, given the sub) you could even do a bond (or money market) and stock split to your preferred risk tolerance. You have money. Your focus should be on living a happy life now, not on just making the most money. Unless that is what makes you truly happy.
Keep your spending under 3% of your invested assets (including trust funds yet to be delivered). Invest the bulk in equity index funds, with a reasonable split between US and International funds (VTI/ITOT and VXUS/IXUS). Keep about five years of spending in an appropriate short-term government bond fund. And don’t get married without a strong pre-nup. Hire a good CPA. And don’t really tell anyone about the wealth.
I would buy a nice house for <3mil, put 21.5mil into VTI, and use the other 500k for 0DTE play money
I have like 45% of my portfolio in VXUS, even with VTI now to try and cover this off in the long term
If I have big crypto wins I usually rebalance into VTI/VTSAX or BRK.B, or something similar. They should do very well long term. I'm also hesitant about RE to be honest, but having a primary and renting out all the rooms helped me take the first step.
If you are actually concerned about the risk, then yes: Stocks and specifically index funds are a very good idea. Investing in diversified index funds like VTI or even VT *should* result in gains a few decades down the line. If you have more strong opinions about the kinds of stocks you want, you can invest in more specific index funds like VOO or QQQ. If you want safer investments, also consider bonds with the safest being short term Treasuries (including money market funds) and the riskiest being so-called junk bonds. There are index funds available for these too.
Unless the brokerage was committing fraud and co-mingling assets (what IS illegal and would be fraud) nothing, your assets are transferred to another brokerage SIPC insurance protects against this fraud , the brokerage losing your assets . Example if you have 1000 shares of VTI , and somehow your brokerage loses them SIPC will work to return you those 1000 shares SIPC will not insure the value of those 1000 shares, if VTI drops by 50% thats just an legitimate investment loss
Yeah but I mean look at how many investors have strayed away from fundamentals as well. Exhibit A: This sub Turns out that posting modest but reliable gains on a blend of VTI/VXUS/BND/BNDX just doesn't reap that sweet sweet karma
You need to enable margin and need to have 1k divided by 0.3 of VTI for example
I mean, almost every major ETF will have TSLA. Don't be political with your investment choices. Just buy VOO/VTI/VT and chill.
I mean, if it helps you sleep at night, sure. Then go buy more VTI and just leave it!
I think a 10% bond allocation is fine, I know a lot of Redditors would disagree. I don’t hold gold myself but I thought it was something you wanted. If you think 10% bonds is too much you might as well just do 0%. Go with 80% VTI, 20% VXUS or something like that. I started investing around your age with a 60% VTI, 30% VXUS, 10% BND portfolio. Ten years later my portfolio is almost 7-figures. I recently upped BND to 15%. Bond funds are complicated. I think it’s good to start investing in them now so you can start to understand how they work
I do like one a week, definitely just straight gambling right now lol. When 95% of my portfolio is in VTI and VXUS I like to have a bit of fun with the remaining 5%.
Its fine if you have a seperate fund. Drop defense stocks, they are included in broad index funds. You also don't need that many index funds, VTI is enough, you can also go VOO+EU stocks. I'd go 70% stocks 5-10% btc 5-10% gold rest bonds. Its all about your personal preference. Your goal is to take maximum possible risk withour losing sleep at night and panic selling at every dump, like people on this sub. BTW major investment subs are notoriously cluless and butthurt about bitcoin. Don't listen to them.
I own NVDA @ 101 , now it's at 108 Do you recommend I enter a STOP LOSS @ 104 for all I own ? I'm nervous not only about tariffs ( priced in? but about Huawei huge steps ) Most of my portfolio is VTI, but 2 weeks ago bought NVDA. PS. I never used anything other than simple buy and sell with limit.
Can’t go wrong with VTI!
I personally feel that allocations under 10% aren’t worth it. 5% in defense isn’t going to noticeably affect your performance and just over complicates things. Maybe do something like 60% VTI, 20% VXUS, 10% BND, 10% GLD? If you don’t like nominal bonds you can swap out BND for VTIP.
Another vote for #2 but I'll actually say 50% VTI 20% VEA. I'd consider SHLD over ITA - SHLD is global and a bit more of a growth tilt vs the US-focused ITA. Be careful with commodity ETFs. DBC is structured as a partnership, which you don't want.
1 & 2: Follow the /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics 3: VTI is good, but going global can be beneficial to both returns and volatility compared to the US only that VTI is. VXUS would be a common natural complement. * https://investor.vanguard.com/mutual-funds/profile/portfolio/vtwax - Global market cap weights (be sure to switch from “Regions” to “Markets”). This can be a great default position. * https://investor.vanguard.com/investing/investment/international-investing - Vanguard 40% of stock is recommended to be international. * 2022 Survey of target date funds: https://www.reddit.com/r/Bogleheads/comments/rffoe7/domestic_vs_international_percentage_within/
VTI and chill is calling your name
At various points, international markets have outperformed US securities. That's why you maintain VTI and VXUS for nonoptions trading, exposure to both.