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
Come on VTI 270! (shakes the dice in two hands and blows into it before rolling it ontot he table).
VOO/VT/VTI is doing alright compared to most things Gold also doing alright if you didn't buy during the crazy pump
Yes, it is always worth investing. To invest in a tax-advantaged way, consider a Roth IRA. If you have not selected a brokerage yet, I tend to like Fidelity. As far as investments, I prefer broad-based ETFs like VTI which represents the entire US stock market.
Thank you all for the advice! Very helpful and I’ll keep to my long term approach. VTI was a good start in my opinion, but I’ll keep looking through ETFs. Any suggestions for further research?
Buy more VTI, bring the cost average down. Stay in the market regard not out of it
If you're in VTI you're supposed to not look at your portfolio now instead - the rest of the stock subs
Am a regard so dont hate me too hard for asking, would it be crazy for me to sell “all” of my VTI then buy it right back to bring my cost basis down on my roth ira? I dont trade much or play with options, just wana stop myself from this fucking i’ve been getting lately.
90% cash until proven otherwise...My VTI limit buys begin at around 290 on down.
This must be rage bait. If not, consider having a stock investment portfolio that is 100% VTI, because anything else would require you pay attention.
All of that complexity just to lose to VOO or VTI lmfao
I agree with this strategy, especially the part about a solid base. I've found dollar-cost averaging into VTI and VXUS (international) lets me sleep at night, then I play around with a small amount in individual stocks I actually believe in. How has the gold allocation worked out for you?
If you put it all on VTI, that’d be reasonable in my opinion.
No shame in it. As long as you learned your lesson. Anything on this sub should only be applied to someones "fun" account. Life savings go in HYSA, VOO-VTI, and a bond ETF.
Personally I have a small allocation in AVUV for this exact reason. I worry about the extreme concentration in mega-cap growth tech stocks in the S&P 500 and even broad-spectrum index funds like VTI. My understanding is that small cap value stocks like AVUV will still largely correlate with the overall market, but they are more exposed to different types of risk and so there might be some scenarios where their performance differs from the large cap growth stocks that dominate most index funds. All that being said, I’m not sure what to expect in the near term this decade
As someone in working a blue collar job too, I would advise against speculative, high risk investments. I'll rather hold boring VTI and not worry then look every day to see if I maybe made money on a risky trade. Keep 60% of your portfolio in US stocks, 20% in international, 10% in precious metals like gold and 10% in a riskier investments like growth stocks, crypto, IPO, you name it. You need a strong base investment which VTI is and then once that is built, you can mess around. I advise against any risky investments with your IRA since that is meant to compound for 30 years. I'll rather hold just a normal fund and contribute over time.
It should of been that moment you bought VTI and chilled
when i decided to quit fucking around with bonds and playing with individual stocks, i put about 300k directly into VOO (or VTI and VOO, I forget), and the market immediately tanked. I was down for like 6 months. Didn't feel good, but they're right about it being a tiny blip. With DCA and time, I can't even see it on the chart now.
I've come to pretty much the same conclusion but I guess have been too naive to execute properly. I'm holding my stuff for now because I hate taking a loss but once it's back up I'm going all in on VTI/VOO and not looking back. I don't wanna lose all that hard work you know. Thanks for sharing that
I receive around $500k at the beginning of every year as part of profit sharing. I lump sum that money into the index almost every time. When the market went down significantly later in the year, I sold all the shares I just bought, locked in the losses, and bought an equivalent index (SPY to VTI, for example). If the stock went down further, I sold again and bought another index (VTI to VT), locking in the losses again. Then I write off $3k of losses against my income, at the very least. During COVID, I locked in enough losses to offset a big chunk of capital gain when I sold my rental property. During the liberation day drawdown, I locked in around $100k of losses during that 2 days. I don't mind locking in losses in a taxable account because I can carry the losses forever and use those to offset my gains later on to control my taxable income. If early retirement is in your future, these drawdowns are gifts. During your RE years, you need to control your taxable income ( < 400% FPL) to get subsidized health care. Carried over losses is one of the ways to help you manage taxable income from your investment. Watch out for washsale. As a rule, my IRA and tax-deferred accounts only hold index mutual funds with dividend reinvestment turned on. My taxable accounts hold index ETFs. I don't have auto reinvestment on any of my taxable accounts to avoid unintended wash sales.
Could VTI be the move this week?
The honest answer is that the fastest way to grow wealth through investing and the most reliable way are almost never the same thing. The BTC example works perfectly in hindsight but timing a bear market entry and bull market exit consistently over multiple cycles is something almost nobody actually pulls off. Most people who try end up buying high and panic selling low. The ProShares Ultra Semiconductors ETF is a leveraged ETF it uses borrowed money to amplify returns. That 53% annual return also comes with devastating losses in down years. These products are designed for short term trading, not long term holding. Many investors have been wiped out holding leveraged ETFs through a downturn. The boring answer is usually the right one broad index funds like VOO or VTI have returned roughly 10-12% annually over decades, are tax efficient, require no timing, and let you sleep at night. The fastest way to grow wealth is actually pretty simple: high savings rate, consistent investing, long time horizon, and not doing anything stupid in a downturn. Unsexy but it works every time.
Half of all your holdings should always in an index fund like VOO, VTI, SPY, or QQQ.
If you invested 20k into your 401k into the S&P500 through the absolute worst of the lost decade, all the way through to 2020, you'd have invested 420,000 and ended up in $1,430,276. Even if you only had a shorter 11 year timeline through just the lost decade, 2000>2010, investing 20k a year, you would end up with a return of $45,279, final portfolio at $265,279. Even in the absolute worst stock market returns we've seen (barring great depression), you still get a return that matches inflation and that's if you're only accumulating through it and have a short timeframe. VTI/VOO and Chill.
DCA in to shares of VOO/VTI & never check your portfolio till you’re retired. /s
I’m almost 90% VTI so it’s saying something. VTI is still up 15% over the past 1 year.
I tend to favor VTI a little more lately due to some stocks in the S&P being so overweight and likely overvalued; Tesla being the primary example.
Vanguard. I listed the exact ones a couple of times in the comments but I think the sub may be hiding them for some reason. It’s VTI, VXUS, VTO all have done me well. I have a single account with only those 3 on it and I dived the majority of my savings up between them. The rest of my savings I dump into series I and series EE bonds and also 2 separate robo investor accounts. One with my bank Navy Federal and the other with E*trade. Multiple accounts at multiple places that way all my eggs aren’t in one basket and if one were to fail, then I wouldn’t lose everything all at once.
Definitely better leaving it in VTI and QQQ. Your portfolio is down 19% YTD S&P is down 7% YTD Nasdaq is down almost 10%. It's down 12% from it's 2026 highs.
Just more VTI and VXUS every other Friday like the past 5 years
Great position to be thinking about this at 22 — seriously. A few practical things that will serve you well whether you end up doing index funds, individual stocks, or a combo: 1. **If picking individual stocks, understand the moat first** — What keeps competitors from eating the company's lunch? (Brand, switching costs, network effects, patents.) If you can't answer this clearly, you don't understand the business well enough to own it. 2. **Balance sheet matters more than the stock price** — Debt-to-equity and current ratio. A great business with too much debt can still blow up in a downturn. Current ratio > 1.5 is a decent baseline. 3. **Don't ignore valuation** — The Graham Number (√(22.5 × EPS × BVPS)) is an old but useful sanity check. It filters out obviously overpriced stuff fast. 4. **Have an exit plan before you buy** — What would make you sell? Write it down. Removes emotion from the decision when prices move. For most 22-year-olds: maxing Roth IRA into VOO or VTI every year until you build up investing knowledge is the highest-expected-value move. Tax-free compound growth over 40 years is the real edge. I put together a free stock screener checklist if you want a framework for evaluating individual stocks — link is in my profile. Good luck!
VOO is S&P500 VTI is total US stock market, so VTI is mostly VOO with some extra stock. VXUS is non-US stock. VT is a mix of VTI and VXUS.
Isn't VTI a mix of VOO and VXUS
JUST FTEC, VGT, VTI, 8k across these.
Yeah, DCA is the way. I'm just funneling a bit from my travel budget into VTI every week and trying not to stress about the headlines too much.
I buy calls on VTI and VOO. If price keeps dropping, I will be rolling.
Mark my words. VTI is hitting $275
VOO, VTI, and VXUS. My usual.
VTI. planning to buy it more in the coming months as I expect it to fall even further
Bogleheads jerks it to VTI and nothing else. They may switch it up to VT here an there just keep their arousal going. 7% a year compounded over 40 years and you might be able to work part time.
Getting a massive tax return in a couple weeks and the DCA in VTI begins.
VTI is not a bad choice but you'd have done better putting your cash into a money market fund that pays 4% interest while you dollar cost average in by buying smaller fixed dollar quantities every day or week over a one year, or longer, period. This gets you a better average price over time, particularly if the market heads down like it has the past month or so. Otherwise, diversify more. Put some money into fixed income funds, like bond funds, while 10 year Treasury rates are over 4%. Jerome Powell won't be fed chair for long and the idiots running this country might cut rates after he leaves despite looming inflation. The resulting recession will likely hurt US equities far more for far longer so diversify into foreign markets as well. Then find strong companies positioned to rebound when the US gets its act together and starts revamping the grid and building up infrastructure and generating more demand for electrical equipment. I like SCCO, AMSC, and ASML. With mortgage rates going up a REIT like AGNC pays a nice dividend while you wait for the misguided rate cut that will let them borrow cheap money then buy up all the 6.4% plus mortgages and pay out the difference on dividends. Whatever you do don't panic sell and resist the temptation to try and time the bottom of the market and then jump in all at once. Investing, unlike gambling, is a marathon not a sprint, so invest for the long haul and read a few good books like "A Random Walk Down Wall Street" or "Your Money or Your Life". Finally, never rely on advice or suggestions from random internet idiots without doing a bit of research on whatever BS scheme they are pitching. If we were any good at investing we'd be enjoying our wealth not wasting time tracking the markets every twitch. Good luck with the investing!
just dollar cost averaging into something broad like VTI or SPY has been my move. Takes the stress out of timing and keeps me invested without overthinking.
We're beyond 4 percent already. VTI is down about 8 percent, qqq 10. Pullbacks are good.
VTI + VXUS, or VT if you want one ETF
My man literally just VTI is over 1/3 tech right now, lol.
Good, do it. I'm buying more VTI personally
As of right now I'm not really worried about unforseen costs since my father mostly helps with that although definitely once I stop getting support financially I will need a HYSA and I will definitely start slowly cultivating that but my main focus is investing as I want to put as much as I can towards that especially since I don't make too much money/month (around 500-600/month). I currently have 11k in investments, was 12k before in Jan. Planning to put a decent chunk per month or biweekly into whatever in whatever ratio and just let that ride. I'm just unsure of what in specific (stock/ETF) and what ratio. As of now I've just been putting x amount in mostly QQQM, VOO, VTI, VXUS, GLD. But I've seen elsewhere that a good ratio would be something like 60% into VTI (ETF covering the entire US stock market), 30% into VXUS (ETF covering international exposure), 10% into BND (ETF for bond). Which would mean I would stop investing in QQQM, VOO, GLD or at least mostly put all my cash towards VTI, VXUS, bond ETF?
Honestly, a lot of people have been in the same spot, it just doesn’t get said out loud much. If I were resetting, I’d keep it simple and rebuild around something like VOO or VTI as a base, then slowly layer back into growth instead of going all-in again. If you still believe in tech long term, you can add something like QQQM over time, and even a small position in something like VCX for private exposure. Main thing is don’t try to win it all back at once, just get back to a structure that can compound steadily.
My port is now 40% VOO, 20% VTI, and 40% RIVN and the only one I'm hopeful for is the cash burning electric car company. I don't know how to feel about this.
VTI tuesdat. oops. gonna hold for 6300 or less
> VTI Sounds like you're tired of winning.
Brother. If you're talking about the "trend," it's too late. Judging by the post, buy VOO/ VTI. And keep learning. That said, I've been buying domestic fertilizer/ industrial gas producers.
Its not as much as you would think. According to this site, they have an 88% overlap by weight. https://www.etfrc.com/funds/overlap.php?f1=VTI&f2=VOO
All of my VTI gains from the last year and a half have been wiped out
I love checking my balances as it goes down, since I keep putting in every pay period to but VTI. That brings my avg cost down. I then calculate the percent gain needed on VTI to get back to its previous ATH of 344.42, and since I'm regularly accumulating more shares, my new ATH account balance will exceed previous ATH once VTI reaches 344.42 again.
I will be selling even my VTI holdings if that happens. It’s unlikely but possible. The issue is that Meta generates so much cash that even burning billions is a sin that can be forgiven and forgotten in a couple years
You should buy VTI with a little bit each paycheck, never ever check it, and you’ll do much better than you’re doing now. Best of luck.
FWIW, funds like VTI already have much shorter waiting periods. I think VTI is like 5 days or something.
What you are seeing right now is EXACTLY professionals advise for diversified portfolios. Yeah, it isn't the sexy huge gain screenshots people like to post, but like most gamblers, you only see the wins, not the losses. Pick a core position in good, solid companies with good fundamentals and in diverse sectors. (retail, manufacturing, tech, AI, defense, consumer goods, bonds, etc) and in a ton of solid ETF's (VOO, VTI, QQQ, JPEQ, SPY, SPYI) and some gold and silver. Sure, take some long shot bets if you want. I have taken some long plays that may make good money if they take off, but they certainly won't ruin me if they fail. Investing is a marathon, not a sprint unless you are very, very lucky.
You maxed out your Roth contribution in a low cost index fund at the start of the year, so presumably you cannot invest any more money this year in the Roth correct? You jest about uninstalling the app, but realistically, that is the statistically best advice because there are no actions you can take besides selling and investing into something else, de-worsifyjng your investment. 100% VOO (Or VT, VTI, etc) assuming a time horizon of 10 years or more is the best investment sans luck or edge.
People always jump to QQQM because yeah, recent returns look better and it feels obvious. But you’re basically concentrating risk way more than you think. QQQM is heavy tech. If tech runs, you look like a genius. If it stalls for a few years, you’ll feel it way more than VTI or VOO. That’s the part most people ignore when they say long term. Also long term doesn’t mean smooth. You can easily get a 5 to 10 year stretch where QQQM underperforms broader markets. Happens more than people think, just no one talks about it when things are going up. VTI is boring but that’s kinda the point. You’re owning everything, not betting on one sector staying dominant forever. Honestly the real answer is balance. A lot of people do something like mostly VTI or VOO and then add some QQQM on top instead of going all in. Feels slower but way easier to stick with when things go sideways. I keep this stuff simple and write about it from a normal salary perspective, check my profile if you want 👍
Park it in VTI and stop gambling
70% into VTI and 30% into VXUS. For books - Simple Path to Wealth. General route should be low cost index based investing. With an asset allocation that meets your risk tolerance for volatility in the market. If you have a workplace 401k you can make changes in that account most easily when looking to rebalance your portfolio. Additionally, asset location is just as important as asset allocation. Some investments are less tax efficient than others (bonds) so you’ll want to keep them in your tax deferred accounts (401k).
If you’re already investing in VOO/VTI having FTEC or VGT is better than QQQ
You can definitely do that. I personally use ETFs since they have a lot more options. Here's a nice table to bookmark: [https://www.bogleheads.org/wiki/Tax\_loss\_harvesting#Substitute\_funds](https://www.bogleheads.org/wiki/Tax_loss_harvesting#Substitute_funds) While the IRS has yet to formally state what they consider substantial identical, I personally try to avoid switching from a fund like VOO to IVV since they follow the same index. Luckily there's a lot of very similar funds that track different indexes, so I TLH to those first. You don't need to wait any days either. For example, if you purchase 10K of VTI and it drops 3K, you can immediately sell it and buy something like VOO and reap the harvest with no issues.
VTI is only down 5% year to date. It's not buying opportunities till it goes down to 15-20% range.
Hi SUPER new to investing. I put most of my money in the stock market because i was gambling too much. Now i can’t gamble because i don’t have money because its all in the stock market. 85% of what I invested is in VTI. 15% is in Microsoft and the rest is just scattered randomly. I’m going to be ok right? I know people say not to check it daily but like god damn.
Is there any concern with currently holding FSKAX in my Traditional IRA, at the time I sell VTI for FSKAX in my taxable account to harvest the loss?
VTI wouldn't do this to you. Sometimes boring is good
Those swap pairs are the least scary part here. I'd worry more about stray DRIP / auto-buys in any taxable account, and about estimated-tax safe harbor, than about VTI -> FSKAX or VXUS -> FTIHX.
I’m immediately moving to two portfolios tracking total US market and total international market - same as what I currently own. Zero concern about what happens during the wash sale period. I only prefer VTI/VXUS for portability which is why I would eventually move back.
VTI dropping 50% would be extreme, but who knows. I’m glad I’m far from retirement.
Should I be buying VTI right now while it’s down or is it going to keep sinking?
Should I be buying VTI as it’s dropping or is tha catching a falling knife?
I need VTI under $300 again Mr. Trump. Take care of it!
This sounds so simple and obvious, but most people just won't/can't do it. Save 15% of your income into retirement accounts, invest at least 90% into low cost mutual funds/etfs- if you really feel like you can beat the market, play with 10%. If available, have the 15% taken out of your paycheck automatically, before you ever touch it. Don't ever say to yourself, "well this year, we had some plumbing issues, and we're supposed to go on that trip, and Megan needs braces, so I won't invest this year, but next year I'll make up for it." Because one day you're 31 and on track, and then the next day you look up and you're 48 and behind, because life happens. Invest that 15% no matter what, don't sell, don't have money waiting in cash for the next dip. Pick a sensible allocation, invest 15%, if you change your allocation, you can change with future contributions. I know this information sounds incredibly basic and obvious- saving for retirement literally is basic and obvious, it's just most people don't have the discipline to actually do it. I've managed to catch up, but i almost f@cked it up, and it requires now saving 30k a year, whereas if i had just saved 15% on autopilot, I wouldn't even have to be making contributions anymore. On the other hand, my parents always contributed to their retirement, but they were always waiting for the next opportunity with 40%-50% in cash/bonds. They're fine, they've got pensions and about $1 million in their TSAs, but if they had just invested into a mix of VTI/VXUS equivalent and stayed completely invested instead of waiting, they'd have about $3 million. Don't be me. Don't be my parents. Invest 15% into retirement no matter what. Pick your allocation and contribute, no matter what, don't wait for the right opportunity, or pause because, "the world is scary and on fire", the world is always scary and on fire.
Yes I went pretty much all cash last week except for new 401k purchases when VTI was at 330. It’s now at 323. I just decided to sit this war out. I do not care if I buy back even a little higher than 330 - I think of it as an insurance premium I’m paying to avoid a major loss due to war, a brewing private credit meltdown, and it’s also a midterm election year and those are bumpy. I’m technically against trying to time the market, but I just needed to sleep well at night through this crap.
QQQM = betting that tech dominance continues forever. VOO/VTI = betting that the US market broadly continues. For 20+ years, QQQM's concentration in tech is both its strength and its risk. If AI delivers, you win big. If it's the next dot-com, you eat a lost decade. I go with IVV (S&P 500) rather than QQQ. Even though I am very optimistic and believe in tech dominance, but still I'd like to have some balance to make me sleep better. IVV has enough tech exposure already. Diversification isn't about maximum returns. It's about surviving whatever comes.
Per my philosophy, the VTI and VXUS split, or more broadly the domestic vs International spilt, is not an age thing. You pick something based on what kind of International exposure you'd like to have. I recommend no less than 20% and no more than what VT has (40% currently). Anything in-between is fine. The key thing is to pick one, say 70-30, and stick to it. What you don't want to do is chase returns i.e. fluctuate allocation based on how the investment is doing. e.g. Several folks reduced or removed their exposure to VXUS over the last 10 years because of underperformance, and are now flocking to VXUS when it already has a run. That's how you underperform the market. Pick an allocation and stick to it for 20 years.
If your mid 20s what would your %s be for VTI and VXUS? Assuming no bonds yet cause too young and only having an E Fund
Yes, the S&P is unique in this way (also has earnings requirements) but most others like VTI include all ipos quickly.
I feel like I would move this comment up to the top if I could. It’s so simple and common sensical. You can ALWAYS invest in conviction bets once you have a good foundation. Whether that foundation consists of VT or some combo of VOO/QQM/SCHG/VTI/VEA/VWO/VXUS is irrelevant. Foundations first.
I think the tradeoff is basically concentration vs diversification. QQQM can outperform for long stretches, but it also ties you more heavily to one part of the market. VTI/VOO is usually the “sleep better at night” choice for people who want broad exposure without making a bigger sector bet. So to me it’s less about which is objectively better and more about what type of exposure you want to live with through a bad year.
I’m 30. Invested in VTI / VXUS. I’m not needing money anytime soon. I couldn’t care less if we got a 20-30% crash. If the market became abolished, I’d need to learn how to shoot a gun rather than worry about money.
You don't need us to tell you what funds to buy. Figure out what diversification you want, that VOO or VTI do not give you, and then find funds that invest in those things.
1) Patience and a boring index fund that covers a big market is all you need (think S&P500, VTI, etc). You dont need a fancy degree or even have a remotely good understanding of the market. 2) If anyone offers you advice on making large sums of money quickly, disregard them. Its a trap