SPTM
SPDR® Portfolio S&P 1500 Composite Stock Market ETF
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Question on VTI/SPTM dividends and average market returns.
Hey, I’m 69 and looking into asset allocation for my long term buy and hold portfolio.
What are the differences between SPY, VOO, and SPTM?
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I don't ever hold the same asset in two different accounts (if one of the accounts is a taxable brokerage account). I am too lazy and too paranoid about the IRS to have the possibility of a wash sale out there. If this were my account, I would use a different broad market fund in my Roth IRA, such as VTI, DFUS, SCHK, ITOT, or SPTM.
IDMO & AVDE have done me very well this year for sure 1YR total return: IDMO +33.21% AVDE +24.15% SPTM +18.2% (reference) https://stockanalysis.com/stocks/compare/sptm-vs-idmo-vs-avde/
I’m planning on buying SPTM, IDEV and FRDM for my IRA, but the market hasn’t dropped enough to buy much. My only substantial funds are IVV and CSXAX in taxable accounts. SPTM: S&P 1500. IDEV: Developed Markets ex USA. FRDM: Emerging markets ex China-like countries. IVV: S&P 500. CSXAX: S&P 500 ESG.
At 24 I’m doing: Tax Deferred: 4500-5000 equities 40% SPTM | 40% SCHG | 20% AVDE Roth: 400 equities 40% SPMO | 40% XMMO | 20% IDMO
I mainly do 3 fund portfolios 40/40/20 One is SPTM/SCHG/AVDE One is SPMO/XMMO/IDMO One is CWB/JAAA/BIL
You’ve already made the hardest move.. getting started.. Now it’s just staying disciplined ETFs like VTI/SPTM will give you exposure to the whole market, and your growth bets like ACHR give you that shot at outsized returns. Solid strategy.
Easiest question all day. 40 year investor here who tried many approaches over the decades. You sell when you near the time you need to use the funds (retirement). During your earning years, every time you sell is just an opportunity to lower your lifetime returns. Otherwise, you MAY detour around a dip but you WILL miss the big up days. Pick something simple like VT or SPTM and add to it every paycheck. Search for "this time is different" to see the carcasses along the investing roadside that were sure the newest crisis would end the market. Good luck!
You've got a solid framework, but have you considered the overlap between your total market and momentum funds? Since SPTM already holds the entire US market, adding SPMO on top means you're heavily overweighting the same large-cap momentum stocks. A simpler approach might be to just stick with SPTM and maybe increase your international allocation for better diversification.
I used to have just SPTM + AVMA but figured it was too conservative
I was a bit free so I took a look at what you currently have. *SPTM* .03% expense ratio 90% of the equity market, pretty normal *SPMO* .13% expense ratio 99.8% domestic stock, 100 holdings classified as non-diversified, top 10 holdings constitute 56.8% of the ETF's assets. 0.2% foreign stock. Measures performance of 100 holdings in the S&P Index that have the highest "momentum score". *AVDE* .23% expense ratio 97.9% Foreign stock, not a lot of restrictions on how they create this one, they mention investing at least 80% of assets in equity securities and has no issues investing in derivative instruments. *FSCO* management fee: 1.35% 7.9% Expense ratio (closed ends funds report interest expense as part of total expense ratio by regulation) Closed ended fixed income fund with high dividend (9%\~) Of note: No Analysts reviewing, an average estimate of growth is 14% by next year. Global credit investor that invests primarily in secured and unsecured floating and fixed rate loans, bonds, and other credit instruments that other companies use to finance their operations. Most professions recommend not going above 5% of your portfolio on FSCO which you did. *FTWO* .49% expense ratio Index tracker, follows performance of companies engaged in national security and natural resource security. Mid/Large capitalization companies. \---- personal thoughts: I still prefer something simpler at your age, just a broad index fund and "maybe" an international fund is all you need. The rest is overkill. and just adds extra fees weighing down performance a bit. If it sounds boring, it is because it is while also being more effective and the most efficient while giving you enough diversification. I just have two funds, domestic index and international and very small amounts of SCHD and SGOV that I am too lazy to do anything with, it's mostly for fun, compared to the rest of the portfolio. If I could do everything over again, I would probably have gone all in on just the index fund domestic, ignored thrashing my money around in multiple funds (i did lots of individual stocks and questionable funds in my 30s) and I would have twice as much as I do right now over the last 15 years. Most of my small bets were a huge drag and went nowhere, I wised up after I turned 37 or so and just stuck to the two index funds.
On my watchlist, I can't remove SPTM. It's so annoying.
Tried to buy 97 shares of SWVXX with the little bit of cash I had left over in my account. Accidentally bought 97 shares of SPTM and had to liquidate some of my money market holdings. So far, up 12% in 2 months.
Rather than targeting individual sections, I just use broad/total market funds (SCHB, VTI, ITOT, SPTM). If you want to cover everything, this is easier and when a company grows it doesn't have to be sold by one fund and bought by another. If your 401k plan doesn't include a broad fund, https://www.bogleheads.org/wiki/Approximating_Vanguard_target_date_funds provides tips on how to build that with the constituents. There's some investing theory that suggests barbelling with large cap and small cap value. Or various other slice and dices. But I don't think you're trying to get into that level.
Just bought some SPTM 
Yeah, I decided this morning to sell my shares in SPTM before actually losing all of the money it made over the past 5 years. I guarantee him and his friends made a boatload of money here. I’m happy I pulled out anyway, I’m not rich and I want to use the money to hopefully purchase a home in the next few years. I don’t want to leave it at the whims of this impulsive child.
Is any one of them more tax efficient than the other? The main ones I was looking at is VTI, SPTM and SCHB I liked SPTM and it's holdings but kind of had me worried about having way less assets than the others and I wasn't sure if that would be a concern in a selling scenario as far as liquidity. I like the limit orders and being able to use good till canceled because although I am dollar cost averaging I like to be able to set a limit order and if it drops a certain percentage and I'm not able to grab it it will automatically buy. It's coming handy on a few of my investments where I was able to do good to cancel and double down and sure enough after all the tariffs we're giving uncertainty in the market they triggered and I was able to buy a good dip where I would have missed it if I didn't have the limit order because of me working and not being able to purchase at that moment
I’ve been selling stocks. But I have some that I inherited in 2018 that have an incorrect cost basis of $0. So I can’t sell those until I somehow fix them. Which might involve traveling out of state to reopen the stamp to get a stamp to fix it. I just sold a bunch of SPTM that I bought at $46 and other stocks that I bought during the pandemic. I didn’t sell SMHI because of how much it has dropped lately.
I remember one from back in the late 90s. Corel Corporation. The had some desktop software that is still available under another name (Alludo). CorelDraw and an office package that competed with MS Office. Bought some shares at $5-6. It spiked to $30-50 (it's been awhile) and then crashed quickly. I got out around even money. My best returning investments over the last 30 years have been real estate. Mainly raw acreage like timber or farmland. I still have real estate but stick with ETFs now like SPTM. The individual stocks never kept up with the returns of mutual funds or ETFs for me.
38 years in the market. 100% equities broadly diversified. Selling none. Any extra cash will be immediately invested in SPTM (1500 composite similar to VOO/SPY.)
+1.29% YTD. 100% equities. Top holdings are VTV, VOE, RSP and SPTM.
Lower your stress and raise your return at the same time. I went down the same path. Landed on SPTM as my core.
I'm 7 years out (55 retire @62). About 30% of my income will come from a defined benefit pension and SS. I consider that the equivalent to the cash/bond component in a 70/30 portfolio. The remaining 70% (my IRA/403b/457) is 100% equities. Core fund is SPTM (1500 composite market similar to SP500) plus some mid/small cap value ETFs. I will leave that 100% equities forever and draw 4%ish from it annually. My new money goes to SPTM. I do not plan to adjust based on market changes. Just good old dollar cost averaging and reinvesting dividends.
SPTM and VOO is just USA equities. It’s a very lacking portfolio that I wouldn’t recommend. I’d much rather be in xeqt as it’s more diversified across different sectors and regions. I would be very concerned if some one invested just in US equities I agree on the gold and crypto, but I don’t think “being a single digit allocation” is a strong reason to say a portfolio is bad (which I assumed you said since the portfolio is that of a 17 year old)
Gold and Crypto are niche ETFs that wouldn't be more than single digit portfolio allocations, if any, for most investors. XEGT gives you diversity but you can get the same for a lower expense ratio in something like SPTM or VOO. I'd drop the advisor then drop everything into a total market ETF.
You will always find people that say the market is about to crash. I got out of equities in December 2019 around Dow 28k. Went all in at Dow 19k in March 2020. I should be all for market timing. What did I learn? Never try it again. I was an idiot. I bought a bunch of individual stocks that underperformed. Lots of stress to land about the same place I'd be if I just left it in an index ETF (SPTM now). Leave it in unless you need it soon.
You won't outperform the market because 87% of professionals (some getting paid millions) don't outperform the market. That is why so many choose broad index ETFs so they can try to market perform. That and patience is all it takes. My core ETF is SPTM. Any individual stocks you buy outside of that (coming from someone that has owned some since the 90s) is just another opportunity to underperform.
I’m holding something like 0.04% across SPTM & AVMA. There’s higher percentages of OII held in KOMP/ROKT/FITE if you like the kensho indices. Personally I’m not a fan of those ETFs.
Expanding on this, SP1500 & SP500 are also essentially the same performance wise. I.E. SPTM vs SPLG performance charts almost align perfectly
Well Tuna I am a professional, I give advice for a living (obviously you wouldn’t want to be one of my clients) …. The reason you buy the index is because it is self-regulating, if a company is not performing it will be replaced with a new company. You are right you can’t expect them to perform into the future, but if they don’t then some other small cap or mid cap firm will take their place. Hence why WBA just got booted out of the index and WDAY was added, WBA performance has sucked WDAY has been great. So by buying the index, it is rebalanced and set up to buy the winners and sell the losers. I’ve spent years researching diworsfication and it’s most certainly a thing. Morale of the story is my boy Mostr10 is doing great and would be better served buying SPY, SPTM, QQQ, XLK over the long term. No international index fund is gonna beat that and to be honest international funds are correlated to the US markets anyways… if the US is down 4 the EU is down 8, etc. I don’t see the benefit of buying international index for diversification when they are all correlated. We are also talking about a 25 year old here, who probably wants simplicity and is looking to accumulate and build up his portfolio. There is no need to “diversify” to international right now. Maybe could make the case if we are talking about millions to diversify to other asset classes to preserve wealth but in this situation we are trying to accumulate it, so stick to the best of the best funds out there, which historically have been SPY, SPTM, QQQ, XLK We can agree to disagree Tuna 🍣 I be curious what your advice for Mostr10 would be?
Well Tuna I am a professional, I give advice for a living (obviously you wouldn’t want to be one of my clients) …. The reason you buy the index is because it is self-regulating, if a company is not performing it will be replaced with a new company. You are right you can’t expect them to perform into the future, but if they don’t then some other small cap or mid cap firm will take their place. Hence why WBA just got booted out of the index and WDAY was added, WBA performance has sucked WDAY has been great. So by buying the index, it is rebalanced and set up to buy the winners and sell the losers. I’ve spent years researching diworsfication and it’s most certainly a thing. Morale of the story is my boy Mostr10 is doing great and would be better served buying SPY, SPTM, QQQ, XLK over the long term. No international index fund is gonna beat that and to be honest international funds are correlated to the US markets anyways… if the US is down 4 the EU is down 8, etc. I don’t see the benefit of buying international index for diversification when they are all correlated. We are also talking about a 25 year old here, who probably wants simplicity and is looking to accumulate and build up his portfolio. There is no need to “diversify” to international right now. Maybe could make the case if we are talking about millions to diversify to other asset classes to preserve wealth but in this situation we are trying to accumulate it, so stick to the best of the best funds out there, which historically have been SPY, SPTM, QQQ, XLK We can agree to disagree Tuna 🍣 I be curious what your advice for Mostr10 would be?
What do you think of SPY? I’m brand new to investing but I have about $7k in NVDA for my Roth IRA. I’m 20. I’m deciding how to diversify my portfolio. My economics professor recommended SPY. I’m also seeing lots of people recommend VTSAX, VTI, SPTM, VOO, QQQ, SCHD, and IYW
* SPTM (like VTI but the S&P large, mid and small for profitability filters and liquidity) * AVUV small value and quality filters * FNDF International Fundamental (Value and Quality) * SCHQ (long term treasuries, but with a little shorter duration than TLT and a little cheaper) NOTE! The duration is because you specifically said in 20's so easily have a long time horizon to reallocate during market dips (Out of bond which will go up and into stocks).
Has anyone played options on the State Street low-cost core ETFs (SPLG, SPTM, etc.)? Seems safe for newbies - premiums are cheap and I wouldn't mind being assigned. That could be your IRA contribution for the year.
+1 for Fidelity, you can buy fractional shares just like RobinHood. And it's a much bigger and better brokerage. I know this is r/stocks but you are probably better off buying a broad US market ETF like VTI ITOT SCHB or SPTM. Any one of these is fine. If you want more excitement and less money, maybe keep putting 80% of your money in it and play with individual stocks with the other 20%.
Conservative manner... In Fidelity, set up a recurring buy into a low cost total US Market ETF like SPTM. It combines the SPDR Portfolios for Large Cap, Mid Cap, and Small Cap. Cheaper and more efficient than the larger and more bloated mutual funds and ETFs.
You could buy VTSAX in one and ITOT/SCHB/SPTM in the other. I would recommend that in case of wash sales. If you ever sell shares of VTSAX in your taxable at a loss and buy shares of the same fund in your IRA, you cannot deduct the loss on your taxes and you can't get it back later either, because cost basis adjustment doesn't matter in an IRA. If you have less than the yearly IRA limit in your taxable, you can sell from your taxable and contribute to your Roth IRA and re-buy it there. You cannot transfer securities directly from a taxable to an IRA/Roth, only cash.
You could buy VTSAX in one and ITOT/SCHB/SPTM in the other. I would recommend that in case of wash sales. If you ever sell shares of VTSAX in your taxable at a loss and buy shares of the same fund in your IRA, you cannot deduct the loss on your taxes and you can't get it back later either, because cost basis adjustment doesn't matter in an IRA.
Index fund! QQQ, VOO, SPTM!
Index fund! QQQ, VOO, SPTM!
Should’ve said mutual fund/EFTs, but my top ones are FXAIX (+19.4%), SPTM (+14.4%), and VIT (+14.6%). I’ve never invested in a stock so I’m new to this game!
1. What’s my goal & timeline? Do I want capital appreciate, income, stability? 2. What segment do I want to invest in? Foreign or domestic; small, medium, large, or everything? Unless we want to get into sector funds like [XLK](https://www.ssga.com/us/en/individual/etfs/funds/the-technology-select-sector-spdr-fund-xlk) or fringe indices like the [FAANG+](https://www.ice.com/equity-index/fangplus), that’s about all there is to it. The point of an index fund is to spread your bets across more or less everything. The difference between funds within a class is pretty minimal, even when they use different indices to measure that class. The total 10-year return of ITOT, SPTM, VTI, and WFIVX (in *total US market* funds) are all within a couple percent of each other.
But what if I basically made that but with only "quality stocks" with gold profitabiloty, EBITDA, etc., I personally believe that these stocks would do better than boom and bust like Cisco which would be included in SPTM.
I like SPTM this year to go down the cap range
I think I will just stick to my ETFs for now haha. I just have FOMO over everyone’s gains. I have IVV, SPTM, SPYG, and VOO.
Thank you for the responses, also do you only prefer SWTSX to SPTM because of the fractional share buying? Or is it performance?
SPTM and SWTSX are very closely correlated. I see no reason to hold both. At Schwab you may find it easier to purchase SWTSX since you can purchase by the dollar instead of by the share. SPDW is a developed market fund. It does not give you access to emerging markets. So if you truly want to diversify, add emerging markets. I am a Boglehead so my bias is towards simplicity. Adding more funds does not necessarily increase diversification. You can usually get by with one or two funds and be done. Consider either a Total World Stock Market Index Fund or a combination of a Total US + a Total International Stock Market Index Fund.
When you're 17 the best route to take is going all in on the S&P500 and/or Total Stock market. Perhaps up to 10% international like VXUS but I rather invest in the US market. Now I understand you're young and perhaps want to try some things just because. What I did for my young teen kids in their investment account is I bought equal investments of SPXL, SPTM, SCHD, BND, VXUS and enabled DRIP, just a couple hundred total. Everything else they now dedicate to investing I throw into an S&P and Total Stock market index funds. So in 10 years when they get their investment account, they can see how each of these ETF's performed. Hopefully it teaches them to just go VOO/VTI and forget about it.
This is not financial advice, but if you buy SPY/VOO and a total market fund like SPTM/VTI and make it 60% of your portfolio, the other 40% into small cap and international like SPSM and SPGM then you will never have to worry about ending up on the front page of this sub and get to enjoy a rough 7-10 percent gain every year without timing the market. 
if your seriously trying to not put 10k into 0DTE then I think half into SPY/VOO and the other half into any total market fund like SPTM/SPGM/VT/VTI isn't a bad idea for some diversification. that will all but guarantee some good returns over a decade. not financial advice ofc, but we know you are gonna yolo it into FD's anyway.
Thank you, I never thought about this, and it is a good point. If Schwab would allow partial shares I would stick to VOO/VTI, but since I'm only buying full shares and going for SPLG / SPTM I will have to take this small bid/ask loss. Like you mentioned, it is too insignificant to make me change my decision at this point.
Not surprising it's American funds. Yes, liquidate it, that will take a day or two. Then just buy a low cost index fund. Some you can look up are VOO, IVV (both s&p index funds, and essentially no difference between them). You can buy total market index funds like VTI, SPTM, or SCHB. All of these are fine for someone in your situation.
Yes my SPTM bags are very heavy.
>id like to see your investment thesis please! 70% SPTM. 20% USFR. 10% EDV. Really boring actually, but you asked and I answered.
Because there is a weird obsession and movement here towards Vangaurd. SPTM is also nice.
Yeah seems fine. Looks like SPTM filters out a few more small caps (thus has 60% of the number of holdings), but the weight placed on those is so inconsequential that it makes no real difference with VTI. Expense ratios are the same.
Is SPTM a good replacement for VTI?
I am complete novice on investing. The only thing I know is just put it on ETF. But I read around here people saying avoid market overlap and to just invest in couple of market. So I feel dumb for doing this in my Roth account, should I just sell them and put it only in one or two ETF? IVV - 5 VTI - 5 ITOT - 5 SPLG - 10 SPDW - 15 SPTM - 5 900 uninvested money
These two funds will perform almost identical with some slight differences SPTM holds the largest 1500 holdings so it will hold large cap and mid cap holdings SWTSX is a total stock market so it will have approx 3500 holdings and will hold some smaller cap funds That being said since both are market cap weighted the small cap holdings will not affect it all that much , I guess it depends if you want some small exposure to small cap holdings
Since I started my HSA investment acct with TD Ameritrade I have always bought SPTM. Is there any benefit to selling this and putting it into SWTSX?
It will not make a difference VTI/ITOT/SCHB/SPTM will all perform almost identically , VTI is just the oldest total market ETF I think or the most popular
I got to 100k right around 27. Started my career at 22, prioritized buying a house first and have been maxing my 401k and Roth since then. I have a target of retiring by 55. Roth is mostly VTI and SPTM. 401k is 70% Fidelity 500 and 30% target date 2055. Also hold individual stock in INDI, CHPT, FSLR.
Bro you hold AMC individual stock picking is too advanced for you, buy an index fund. SPTM is pretty good. It only lets in new companies if they are profitable. AMC isn't even allowed.
Please stay off /WSB /Options /Shortsqueeze. Maybe spend a few minutes in /Bogleheads and /FIRE. With your income, and no debt, you can retire early sipping cocktails if you just don't do anything stupid and have a diversified portfolio. And by diversified I don't mean diversified between options and meme stocks. Buy SPTM or something.
Wow… just wow. You need some self realization - you’re clearly not a stock picker. Just buy VOO (s&p 500)or SPTM (s&p 1500) or VTI (total market), and you’ll do just fine.
VTI, ITOT, SCHB, SPTM for ETFs. All of them are basically the same expense ratio. You can swap around them when you want to tax loss harvest.
SPTM is another - roughly equivalent to VTI and trades around $50 currently.
u/PapaCharlie9 Thanks. I guess what I'm doing would just be CC and accumulate then. In the rare instance that I do get called out, I reenter through CSP, so seemed like a wheel mod to me. With regards to "risky trades", this is really what I am looking to discuss. So far to me, this seems to be relatively low risk, as I have managed to get out of market jumps going over my CC strike relatively unscathed for the last year. As I look at my main account (solo 401K), in a year when R2K is down \~25% (244 in 11/21 to 180 this morning) my current value is \~ -1 to -2% (extra $60k in my account vs not using CC to accumulate 275 shares this year). Is it improper to read the above as being up \~30% vs just B/H the R2K? With regards to tax adv vs non-tax adv accounts, I am working to build my non-TA accounts to the point where I can do this, but I don't yet have enough for 100 IWM or SPY, so I am trying to work out this strategy where I have the ability to make these trades. Do you see any additional risks that I don't seem to be seeing? The risks I see so far are: 1. Market runs up and I get called out missing big gain and having to reenter with less shares. My general strategy prior to using CC to accumulate more shares was to just buy the Market. I was previously using SPTM (S&P 1500 ETF - closely matches return of SPY but trades around 1/8th the value (currently around $49) so I could accumulate shares more easily). I'm employing this strategy to help accelerate share accumulation vs what I can buy with contributions alone. So I posted this question to understand what risks that I can't see. Thank you!
You can also buy SCHB or SPTM (if it comes down to it) since they track the Dow Jones broad market index and the S&P 1,500 respectively, so they are technically not the same as VTI (CRSP Total Market) or VOO (S&P500).
SPLG is the large cap. SPTM, while more heavily weighted in the large cap than mid or small, is more total market.
INTC, IRM, and VICI. Along with a few of the SPYs: SPTM, SPYD and SPYG. Every paycheck, just up and down the list. Bear or bull, I don't care.
Just go with a total stock market ETF like VTI/SPTM/AVUS and a dividend ETF like SCHD/VYM. Set these two at 50% each on recurring investment and don’t look at your portfolio.
SPLG is solid. I've long used it as a substitute for the VOO. Just recently though switched over to SPTM instead to get a little small and mid-cap in there. SPYD and SPYG are the others. Any of the SPYs or its offshoots are quality.
If you do not want to research companies , do you really want to research sectors and analyze what sectors may be hot and try to keep up with sector rotation ? That can be just as difficult or more as analyzing companies . The answer is just buy the entire market. Just buy some broad market index fund. If your in the USA the most popular are VTI/ITOT/SCHB/SPTM
The only reason is to tax loss harvest . ITOT/VTI/SCHB/SPTM are all total market funds that will be very similar but you can potentially sell one for a loss and buy another with out running into wash sale rules Note the funds sort of operate as an independent entity so if vanguard/state street/schwab somehow went bankrupt VTI/SCHB would not crash you wouldn't lose your investment. Even in the case of a brokerage failure unless they are committing major fraud you wouldn't lose your investments , if schwab goes bankruipt they cannot simply confiscate my stock holdings in my schwab account (again unless there is fraud) . I guess its such a small risk with a major brokerage I just keep all my holdings in one
> Again, let's hear your suggestion for an investment. Sure, ibonds + SPTM. Easy. You did not answer the question of what their moat was. No, most stocks are not down 70% from their highs. Do i really need to prove this to you? Yes all stocks are down (mostly) but how much they are down matters. CRSR is down more than others because they are shrinking. Their revenue and profit is falling. In fact, they are no longer even profitable. Why would anybody buy a shrinking company with no moat?
SPTM (which is essentially a TM ETF). Waaaaaay too many tax-loss harvesting opportunities this year. That’s how I got to SPTM lol. It’s a pretty good TM ETF though.
Why would you not want to buy an etf near the bottom of a bear market? My positions: 100% SPTM 😂
Well then you should get your sense of smell checked, I have no positions in AMD or Intel, other than what I hold in the ETF SPTM.
​ |Ticker|Allocation| |:-|:-| |AMD|25%| |ABNB|20%| |CROX|16%| |QQQM (ETF)|4%| |SE|22%| |SPTM (ETF)|3%| |Cash|10%| ​ For the next few months, I will invest more towards ETFs and start a position on Nintendo.
​ |Ticker|Allocation| |:-|:-| |AMD|28.75%| |ABNB|21.04%| |CROX|19.13%| |QQQM (ETF)|5.29%| |SE |22.04%| |SPTM (ETF)|3.74%| I'm down big since I bought half of them near its high, but will continue to average down in tranches when any position drops by more than 20%. Planning to put more cash towards both QQQM and SPTM rather than individual stocks in the next few months. WBD and SBUX are on my watchlist, and I could start a small position in either of them.
In 2020 the S&P 500 was actively managed - they decided to keep companies that didn't belong their based on dramatically lower market caps. Look at how long they delayed adding Tesla to the index - it entered right at the top. The S&P 500 is considered a passive index - but it's less passive than people think. My random "is this advice?" comment would be ITOT , VTI, SCHB, SPTM - your pick.
I imagine quite a few. But small caps have always had shitty companies, remember the dot com bubble? Anybody with a website got huge overvalued stocks even if they didn't have revenue basically. There's more than the S&P 500. There's the S&P 600 (small caps) and 400 (mid caps) as well. Together they make the S&P 1500 (ETFs like SPTM) which require profitability and include all cap levels except micro. Also plenty of value ETFs if you're worried about zombie companies.
Thanks for the wheel strategy I haven’t gotten to spreads and csp, still just buying calls or puts. Affordable option prices for me would be $50 , was thinking of efts like SPTM, to buy low sell high over and over again.
The dollar amount is irrelevant. Look at the yield percentage. VTI has a yield of 1.29%. Sptm is 1.28%. Nearly identical. Whether you own $1,000 of VTI or SPTM your taxable dividends would be about the same.
While I don't hold VTI in my taxable account , I am just wondering since etfs are usually more tax efficient, but VTI seems to have higher income distributions compared to other total market etfs or mutual funds for that matter. [This](https://www.morningstar.com/etfs/arcx/vti/performance) is VTI annual distribution. For 2021 its showing nearly 3 usd, while in comparison ITOT, SCHB, and SPTM all have distributions at least half of VTI. Even FSKAX and VTSAX have lower annual distributions by quite a lot. I was also curious for VT, which I own in roth ira, its also much higher than mutual fund VTWAX. For mutual fund is .68 and for etf its 1.96, am I misunderstanding how much more you can be potentially taxed if you use vanguard etfs in a taxable account?
Your long-term investment success depends much more on your asset allocation than individual stock selection or market timing. Since you have a 5 to 10 year time horizon and a moderate risk level, the obvious but still effective answer would be to invest in a low cost, total U.S. stock market fund such as VTI, ITOT, or SPTM. This covers small, medium, and large-cap value and growth companies in all economic sectors. That's all you really need. If you want to consider any additional asset classes, look for investments that consistently offer the highest return with the least risk. Check the Sharpe ratio to quantify the investment's reward (risk adjusted return) relative to its variability (standard deviation). Higher Sharpe ratios indicate better investments that build more wealth and/or offer greater certainty, i.e. peace of mind. Constructive diversification means reducing risk but not diluting winning investments with chronic losers. I personally would not recommend gold, crypto, or bonds now. Geographic diversification with 10% -25% foreign developed markets and/or emerging markets can be beneficial, but typically have lower Sharpe ratios. In any case, a diversified portfolio promotes investment success like a well-balanced diet promotes good health. If you liked this comment, please upvote and help me build more Karma. Thanks.
What is SPTM? Nothing comes up when I search it. Is that just part of you brokerage account? A cash account or something?
No commissions on ETFs or NTF mutual funds (SWTSX is NTF at TDA since it's merging with Schwab, while VTSAX would be the comparable NTF mutual fund at Vanguard; SPTM is commission free at both).
I'm having some trouble verifying what a trade lifecycle (buy/sell) will actually cost on TD Ameritrade vs vanguard to open an account on one. I'm looking here and it looks like TD Ameritrade is lower fees for the same preformance but there maybe something I'm not seeing https://www.schwab.com/schwab-index-funds-etfs Thinking SWTSX, SWISX, SWAGX 65/25/9 and SPTM, SPDW, SPAB, SPTS in 65/25/6/3 precent respectively rest cash (1%).
My holdings have been going up modestly and are now going sideways and down a bit. Naturally, that's better than massive losses. Any suggestions regardless? Thank you. *F* *HEGD* *SPMD* *FDRV* *FNCL* *SPTM* *SCHD*
I'm not sure how brokerages and taxes pan out for your market, but here in the US I buy index fund ETFs such as VTI, VXUS, VT, SPTM, and SCHB
The prospects are: 1) CTX001 and the rest of their therapies eventually being approved. If Vertex is paying 900M for 10% of CTX001s future revenue it suggests that CTX001 has a present value of $9B. That's just their therapy that is most advanced in clinical trials, they have more but those are at greater risk of failing clinicals. 2) By some stroke of God CRSP wins the ongoing lawsuit with EDIT to get ownership rights of CRISPR-Cas9 and it's cash cow market (human therapies). CRSP is a speculator's investment. That being said, if you're not a speculator you're a boring ass retarded r/investments SPY loving shitter bitch. CRSP and EDIT are the cool guy's move. I looked up SPTM and just found some spdr etf, not sure what SpaceTime is.