VB

GhostsinGlass

Okay so here's my bull case for Comcast, one of their subsidiary streaming services, peacock is releasing the second season of. # ᴛᴡɪꜱᴛᴇᴅ ᴍᴇᴛᴀʟ [Season 2 clip here.](https://www.youtube.com/watch?v=VB-VR4whWog) If you notice there's some important bits here. * NoHo Hank is playing Calypso * Rob Zombie's "𝔇𝔯𝔞𝔤𝔲𝔩𝔞" * Mr. Grimm * Sweet Tooths hair is on fire again. * Fuckin NoHo hank as Calypso Thank you for your attention to this matter.

Fun-Sundae4060

VOO and QQQ have the most overlap. Otherwise everything else is fine. VB is small cap.

CorruptJson

For VB, you have to go to the advisor's version of the site. The investor version has that section disabled at the moment. Idk why. Search VB Vanguard Advisor on google, and on the page there's a "holdings details" section.

OrangeTallion

Really? I was looking at the vanguard fund pages for VB and VSS and I could not find the holdings for the life of me. If you could show me where they are I would love to know

Yukas911

Small caps companies are listed. Small cap ETFs, too, like AVUV, VB, IJR...

ResponsibleJoke4462

What are the potential options for mid-cap and small-cap investments people are recommending these days? I’m leaning to VO (vanguard mid-cap ETF) and VB (vanguard small-cap ETF)

Glock43x_

5.57% up $12 VOO, $8 QQQM, $6 VB daily

gsasquatch

VTI and chill "Vanguard Total Index" all the stocks, low fees. No thinking. Safeish middle of the road. IMHO should be your benchmark. What is going to do better than that? SPY S+P500, but that's all large cap, and they don't need more cap, and might be a bit of a pyramid. Could be better returns than VTI, but also a bit more risk. QQQ, Nasdaq, tech stocks, bigger returns, but more overvalued than SPY, and for that a bit riskier. HYSA is safer, so might be better, but, only 1% if that better than inflation usually it is less than inflation. Only thing worse would be a safety deposit box. ibonds I still like. I think guaranteed 1.1% above inflation now. In 2019, getting 1.1% on anything safe was genius, savings accounts were paying 0.5%. Can't touch it for a year, which is good and bad. Only $10k/year, which is a little limiting. Might be state tax exempt. Then you get to weird stuff. I like EWG, like a German index fund. Dollar is strongish against Euro now, and if it stops doing that, like because of tariffs or whatever, then that's a little bump. German companies have nice PE ratios. INDA is similar, but India. India is 1B people and industrializing, so the market in general has potential GDP is growing than US, there's a lot of growth potential there. As long as they don't get spicy with the Pakis. I have stock in the bank I bank at. Big solid institution "too big to fail" pays a dividend. Might not grow a lot, but pays a dividend. Similar with my local utility. Pays about as good as real estate, and could also go up in price too. Then, I'll do month trading. Like sometimes buy the hot ticket for a thou. I've mainly lost on this, but whatever, makes me feel big time, and it is only a few hundo. When I lose the losses offset for the tax man. Also look at "tax loss havesting" like switching from VO to VB or SPY to QQQ Look at companies you know professionally. Like how is Sysco doing? If you're in that business, you might know better than me, and have a bit of an edge there, watching your particular industry's news. Having a couple thou in cash on hand, and not visit an ATM for a few months, and use it for restaurants and local businesses, avoid that 3% credit card fee markup on ordinary spending. If you're getting paid in cash though, you might already be doing that. How much into each is about what you believe, and your tolerance for risk vs. your desire for reward, but mix it up a bit, and cover all your bases. Look at tax advantaged accounts like Roth and HSA, and definitely 401k going forward if you have income.

IronyElSupremo

It’s 60/40 stocks vs bonds so that’s more the classic risk/reward ratio since the late 1950s. It’s actually pretty good, just some duplication can be simplified; VB can be rolled up into VTI, VWO can be rolled up into VXUS and even VNQ is likely inside VTI already = so that gives 6 ETFs to track instead of 9, all while covering the same stocks.

Pleasemakesense

https://youtu . be/6rJz4BKNhbE?si=McRny2VB0HJygTf- there are a lot of disappearing xi loyalist generals/arrests

dweaver987

Hi Duble, The S&P 500 has done great the past several years and is a good choice. And I was lucky to get into NVDA right when it launched like a rocket a couple years ago. But past results do not indicate future performance. I recommend you diversify with a small cap fund and an international fund. Maybe 40% SPY and 30% each small cap and international. Vanguard’s VB is a good small cap based on the Russell 2000. Remember, MSFT and NVDA were once small cap. VXUS and IXUS are good international funds that exclude US companies (because you already own them in SPY). Most important for the next 30 years is to STAY INVESTED and keep adding to your investments. Even if you are only adding $20 a month, just make it a habit to keep increasing your investment. If the market drops 20%, that means your next purchase is on sale, 20% off!

Express-Let391

Your 37 as long as you have a 3-6 month emergency fund take a second look at a low cost s&p fund like VOO maybe add VEA and VWO inside a Roth IRA. As long as you have over a 10 year time horizon that really is the best bet. Possible good long term example for $500 VOO-300 VEA-100 VWO-50 VB-25 Bitcoin ETF-25

ILuvAnneHathaway

5% SCHD - dividend value 5% VIG - dividend growth 10% VB - small cap blend 10% AVUV - small cap value 10% BND - bonds 15% SCHG - tech growth 20% VXUS - international 25% VTI - total market How’s this ?

ILuvAnneHathaway

How’s this new one ? 5% SCHD - dividend value 5% VIG - dividend growth 10% VB - small cap blend 10% AVUV - small cap value 10% BND - bonds 15% SCHG - tech growth 20% VXUS - international 25% VTI - total market

ILuvAnneHathaway

VWO – Vanguard FTSE Emerging Markets ETF SPMO – Invesco S&P 500 Momentum ETF VEA – Vanguard FTSE Developed Markets ETF SPHQ – Invesco S&P 500 Quality ETF IVV – iShares Core S&P 500 ETF SCHG – Schwab U.S. Large-Cap Growth ETF BND – Vanguard Total Bond Market ETF VB – Vanguard Small-Cap ETF Is this a good portfolio for my Roth IRA ? I’m 21 , I just made it on robinhood and this is what they gave me , but chatgbt said I should consolidate all the ones that are similar / track large cap SMP ? So what do you guys think

russt90

The primary goal is to focus on specific market segments, and VOO to just cover any missing major companies.  VB is small cap, then silver and gold. 

russt90

US, early 30s. Individual brokerage account aimed at long term horizon (have separate 401k heavy on s&p500). Please rate my ETF portfolio which currently has an even spread of the following. What can I do better? Any other market sectors I should look into? Thanks! XME XAR VIS VDE VDC VB VOO SMH IAUM SIVR

RavageDolphin

Thank you! Will be looking into VXF and VB

kiwimancy

There would be very little difference between those two portfolios. VFX is the stocks in VTI minus the stocks in VOO, mostly small caps. VB is a small cap index fund.

WestTexasCrude

I think it's time for you to buy, because Im selling in my solo401k's Sold ALL common stock: NVDA, MSFT, RTX, PLTR, AVGO, ORCL Trimmed: $VB by 50% (Small Cap) $VO by 25% (Med Cap) No change (yet) on $VOO or $QQQ. > 30% cash.

SwitchNut

Thank you for all that information. I greatly appreciate it. Ill look into doing that. Other than VOO, IVOO VB, are there other recommendations you think would be worthy of researching?

rockytrh

The first thing I would do is roll your 401k to an IRA. This is free to do and the reason it's a good decision is twofold. First, it give you more control. In a 401k, you are limited to the investment options decided by the management of the 401k program. Usually, they keep it quite simple because it makes sense, but they are less concerned about management fees and such. The other reason is you are still paying fees to that management company. 401ks kind of suck because you have to pay a fee to the management, which only decides which funds you have access to (as well as maintaining all the business stuff) and the fund options they pick typically have higher fees, possibly because they could be getting kickbacks from those funds. After rolling your 401k to an IRA at a broker, you can then buy similar broad market funds by low fee managers, such as Vanguard. VOO is s&p 500. IVOO is the S&P 400 mid cap. VB is the vangaurd small cap. I'm not sure what a similar analog to Great Gray Trust is though.

PassingByThisChaos

A VB cheers to that! Emu eggs to America!

Spiritual_Bridge84

Hasnt hit middle Murica yet. It’s like that meme video where a gigantic avalanche is so far off, people are taking videos…and then it keeps getting closer n closer.. n then everyone gets jumping https://www.reddit.com/r/yesyesyesyesno/s/VB0NLSU8UM

Old_Shoe5167

Although you already know the main US ones, VTI (total US market) is another popular US choice (you'd probably just want one of VTI/VOO/QQQ as the top holdings just repeat). After having one US ETF you'd like to stick to, the obvious choice is going world minus US. A popular one here is VXUS. It includes Europe as well as Emerging Markets so you don't need to buy that separately. With say VOO/VTI and VXUS you're pretty much good to go. After that, it really is up to personal preference and opinions. Some may say REIT (real estate), others may say commodities, some like to stick with stocks but look into small cap (VB/VSS for US/ex-US small cap etfs). Here's a good read with some sample allocations [https://www.bogleheads.org/wiki/Lazy\_portfolios](https://www.bogleheads.org/wiki/Lazy_portfolios) . Since you're only 19, I'd ignore bonds completely and start adding them later down the line, maybe in your 30s or 40s.

StageAdventurous5988

Free... Foster's? Really, guys? Not even some VB?

highfructoseSD

HERE ARE THE KEY CHARTS THE PRESIDENT USED TO DETERMINE OPTIMUM RECIPROCAL TARIFF RATES [https://preview.redd.it/ujdsengv0gq91.png?width=640&crop=smart&auto=webp&s=089494d2cc41fba38dec85dbe687179e1ce9fc70](https://preview.redd.it/ujdsengv0gq91.png?width=640&crop=smart&auto=webp&s=089494d2cc41fba38dec85dbe687179e1ce9fc70) [https://i0.wp.com/www.overthinkingit.com/wp-content/uploads/2008/09/rs-500-us-oil-production1.jpg](https://i0.wp.com/www.overthinkingit.com/wp-content/uploads/2008/09/rs-500-us-oil-production1.jpg) [https://i.pinimg.com/736x/71/f7/b0/71f7b02f0e361fe36359323894968656.jpg](https://i.pinimg.com/736x/71/f7/b0/71f7b02f0e361fe36359323894968656.jpg) [https://verstaresearch.com/wp-content/uploads/2014/10/VB2014-10-08-01.png](https://verstaresearch.com/wp-content/uploads/2014/10/VB2014-10-08-01.png) [https://preview.redd.it/ujdsengv0gq91.png?width=640&crop=smart&auto=webp&s=089494d2cc41fba38dec85dbe687179e1ce9fc70](https://preview.redd.it/ujdsengv0gq91.png?width=640&crop=smart&auto=webp&s=089494d2cc41fba38dec85dbe687179e1ce9fc70) [https://64.media.tumblr.com/tumblr\_lkeykvtrNF1qa0uujo1\_500.jpg](https://64.media.tumblr.com/tumblr_lkeykvtrNF1qa0uujo1_500.jpg)

rsam487

VB loooooong neck at quart to 8 in the fucken mornen, get that up yus

notagimmickaccount

Parmesan wheels. https://www.reuters.com/article/business/italian-cheese-firm-sells-parmesan-backed-bond-idUSKCN0VB1QY/

coloradomane

Give back WRX lease https://preview.redd.it/z90gw3js8ure1.jpeg?width=1320&format=pjpg&auto=webp&s=4c01540ed8f729db22ec21bfd6d9e073f19a86b4 or buy and mod stage 2? Currently leasing a 22’ WRX with 25k miles on it. Never planned on buying this thing, always been a “lease and then get a new one” type of guy but looking forward at the car market has me second guessing. This is my second WRX and I’m ready for a jump in performance on every level - think something like Camaro zl1 or bmw m2 in a manual. My problem is - all of these cars lightly used are much more expensive than my subie and would increase my monthly payments probably by double. My buyout price on the subie right now from the bank is 22k, which I believe puts me at break even or even slightly positive in equity at the moment. I could potentially give the car to carmax and walk away Scott free or even with a few grand in my pocket for a new car - OR, the other option. What if I just keep my subie and drop 2-3k to get it to stage 2 and around 300-350whp and switch from a lease to financing the rest? On paper, this seems like the least expensive way to get my “fix” as far as speed goes and enjoy a new level of car beyond the stock subies im used to driving. My main concerns - 1. blowing up engine (I hear VB is more reliable than previous gens 2. I’ve been using 87 gas for most of the lifetime of the car cause I’m a cheap fk and never planned on keeping the car. Manual says it’s fine but Can this have negatively affected my engine for long term modification? 3. loudness - can you go stage 2 and still remain under the radar? 4. being happy with power - I drove a 2022 m8 bmw a few months ago and that power level is addicting. I know a stage 2 WRX isn’t that strong but does it scratch your itch for power? Any tips guys? TLDR - leasing ‘22 Wrx, can’t decide whether to sell for car 2-3x as expensive or to just mod WRX to stage 2 to get similar HP

droidguy27

Trumps going to put a lot of pressure on the fed not to raise rates. Whether or not that works it's anyone's guess. [https://www.reuters.com/markets/us/trump-says-he-will-demand-lower-interest-rates-immediately-2025-01-23/](https://www.reuters.com/markets/us/trump-says-he-will-demand-lower-interest-rates-immediately-2025-01-23/) [https://www.reuters.com/article/business/trump-heaps-pressure-on-fed-and-its-chairman-powell-to-cut-rates-idUSKCN1VB1I1/](https://www.reuters.com/article/business/trump-heaps-pressure-on-fed-and-its-chairman-powell-to-cut-rates-idUSKCN1VB1I1/)

Zealousideal_Main654

Costco, Uber, Amazon, Google, Lockheed Martin, Apple, VTI and VB. Wouldn’t really need anything else.

Tar-really

Thanks! Normally I would 100% agree, especially because of his age. But right now nothing is very normal, And a little bit of hedging I don't think is a deal breaker. We will look at VUG and VB.

ThroatPlastic6886

“Fairly aggressive funds” is kinda vague.  With 70k already in HYSA, you should be 100% equities and 0% bonds in both 401k and Roth. Especially at such a young age. I’d even lean towards growth and small cap. VUG and VB would be my picks. 

Strong_Land_9748

Thanks for the advice, I already have plans to make an ETF portfolio. I still need 2 months to be actually 18 until then I am just experimenting (albeit costly). Currently my plans for the portfolio are like this; 10% in interest (5% Turkish Lira, 5% Dollar/Euro) 10% in Gold (Mostly physical) 40% in Turkish stocks and ETFs (ETFs of Turkish banks/firms) 40% in US ETFs (VOO,VT,VGT,VB)

GAV17

Why not just invest in value? You avoid all those stocks. Something like VTV, VO, VB + VWO + VEA is the thing you are looking for.

Rich-Contribution-84

My biggest regret is not going to a broadly diversified portfolio with a clearly defined plan at an early age. In my 20s, I haphazardly bought individual stocks and traded them here and there. I didn’t have a plan. In recent years I’ve bought VTI/VXUS in 80/20 increments and rebalanced 2x per year. My 401(k) is the only exception. That’s a 2055 TDF. I have a clear plan to start adding bonds, treasuries, and cash when I’m 15 years from retirement at increasing levels every year until I end up 60% bonds, treasuries, and cash when I retire with 40% in VTI+VXUS. I maintain simple margins of variance - IE every year Jan 1, I consider making small tweaks (like this year I considered going heavier VXUS and adding some combination of VO or VB to cut down on the stretched megacap allocation but I decided against it. I buy the same amount every two weeks like clock work. Every January I increase my bi weekly purchase amount for the year based on any raises, etc. I also always put 80% of every bonus check into VTI+VXUS. I wish I’d started this plan in my 20s.

Rich-Contribution-84

Just a couple of thoughts from someone 10 years older than you who used to think the way that you do. VOO is very growth oriented and the majority of it is large cap growth with a handful of mega cap growth companies dominating nearly 1/3 of VOO. If anything - if your retirement is mostly in VOO, maybe look at adding mid cap, small cap, and international exposure. These are all trading at a discount compared to VOO and would serve to diversify you, protect against potential pullbacks in mega cap, and provide more long term steady growth as we likely enter cycles of international and small cap dominance again, eventually. Check out VO, VB, and VXUS.

Billy_101_

I download data from CBOE , load formulas on excel VB IE: Function dOne(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend) dOne = (Log(UnderlyingPrice / ExercisePrice) + (Interest - Dividend + 0.5 \* Volatility \^ 2) \* Time) / (Volatility \* (Sqr(Time))) End Function

supersafecloset

could be 90 or less idk, still to early, gyna could be lying but if it isn't, companies need about 1 out 20 price from gpu operation use to make the same outcome by simply using better algorithm. so nvda demand could be divided by 20 if algorithm is better by 20, that is what i undderstand at least [https://youtu.be/l8N-J\_VB\_G4?si=fcnogMWesQDVnav7](https://youtu.be/l8N-J_VB_G4?si=fcnogMWesQDVnav7)

supersafecloset

we either need chips or algorithm, if it is algorithm then we probably have way enough chips and having more won't make much difference compared to cost. [https://youtu.be/l8N-J\_VB\_G4?si=fcnogMWesQDVnav7](https://youtu.be/l8N-J_VB_G4?si=fcnogMWesQDVnav7)

RunesDubloons

*all articles about ETH's widely used L2 ecosystem randomly disappearing one day* "Do something, Ethereum!" *VB buys some Moo Deng coin*

Rich-Contribution-84

Lots of other strategies such as VTI or VTI+VXUS OR VT or VT+BND or even VOO+VB+VO+VXUS are probably better than just VOO, objectively. A “good” strategy depends on your goals. Most normal people are trying to build wealth for retirement. Any of the above strategies is great for that. The gambling stick pickers or crypto buyers and the like probably get hate because that type of activity is more gambling than investing.

15rthughes

Looking to get feedback on Robinhood’s suggested portfolio mix for my Roth IRA: ​IVV 44% VEA 22% SPMO 8% QUAL 8% VB 7% SCHG 6% VWO 5% I’m 28, aiming to max out my contributions going forward and will be rolling over my current Roth 401(k) (roughly $17k) into this account since I’m changing jobs and new job only has a SIMPLE IRA plan.

Rich-Contribution-84

Depending on your risk appetite: VTI + VXUS or VOO+VB+VO or VOO

Digital-Doc-777

If you want small cap, then go with VB, as VXUS is international. Would also add midcap, VO that tends to be less volatile than VB.

East_Bookkeeper9153

I’m not selling out of growth entirely but am shifting a portion of my portfolio into VB and VXUS. Small caps look undervalued, and international stocks could benefit from a weaker dollar and global recovery. Catalysts like rate cuts and a soft landing might drive outperformance. Watching emerging markets and small-cap value closely, but staying balanced for now.

SBTM-Strategy

I won’t speak to whether or not small caps or Ex-US will outperform, but I’ll make a suggestion that if you want small cap passive index I would use VIOV not VB. The SP600 has a nice quality screen and it’s more small and value-y than VB.

Doge-ToTheMoon

I’d recommend focusing less on individual stocks like reddit, spotify, draftkings & etc. Instead focus on VOO or VTI, VB seems redundant if you’re investing in VOO or VTI. VDE is a great long term pick. Add a stable growing dividend index, SCHD or JEPQ are both great options.

MattKozFF

VTI - total us stock market VOO - S&P500 VB - Small Cap US VXUS - International BND - Total Bond Market VTI, VXUS, BND would be a good 3 fund you could invest in your entire life until ready for retirement.

itssampson


Hugheston987

Why is my port taking a shit? It's basically just SPY, well also SPMO, VB, and VONG. What's the reason for this dump

Majestic-Syrup-4890

Small caps depend on interest rates, which have relatively high in the past few years. The bigger factor is the dominance of the now Mag-7 for 15 years. This won’t last forever. Some small caps are doing well anyway (AVUV, XSMO, RWJ, and even IWM and VB this year), but will likely do much better than the S and P if/when people realize AI will not solve all our problems (which could still take a few years).

bonker58

I tend to do 40% in VOO, 10% in FTEC, 10% in FDIS, 5-10% in both Small and Mid-Cap ETFs (VOT and VB) and then everything else is technology because I know that the inside and out. I scrapped dividend stocks because I’m not sure where I’ll be able to write off long-term investment gains down the road in life (I’m 29) and don’t want to pay taxes on those dividends now. With that being said, a set of corporate bonds may be wise to make things more conservative (SPHY).

bonker58

First thing’s first: Max out your 401K. I personally do 40% S&P ETF (VOO), 7.5% Mid-Cap ETF (VOT), 5% Small-Cap (VB), 10% Consumer Discretionary ETF (FDIS), 10% Technology ETF (FTEC), 10% Government Bond ETF (SPHY), and then 10% or so in single stocks, of which almost all are Mid-Caps. 10% FTEC is probably sketchy in some people’s eyes because that’s considered risky, but this is my personal account in addition to my 401K. I probably should have some international stock ETFs, but I don’t know enough about it and my 401K has plenty of them natively. I’m 29 for reference. Keep in mind, everyone’s situation is different. Biggest thing I would recommend is investing a small portion everyday, whether it’s $1 or $100. Of course, if the stock market tanks, then drop that theory and increase the antes haha.

Showmethedivs

**Retiring in 2025 - moving portfolio from company 401k to trad IRA now**  My company has a very limited choice of investment options. Being over 59.5 I was informed by the Plan Admin that I can sell those funds and move the cash over to a traditional IRA now - 8 months before I retire. Assuming I have a 60/25/15    **eq/bd/$**    current split, and the 401k represents 50% of the 60% of my equities, how would you allocate the  money going into the trad IRA? What are thoughts on something like VB, vxus, schd, and schg? I'm trying to stay away from CC although they do tempt me... Thanks 

PieceRough

Curious what thoughts are on this mix of tech-heavy etfs 30% / IUIT / Tech 35% / VOO / - 14% / VTI / - 8.5% / VB / - 4.6% / VOX / Tech 3.7% / BRK.B / - 2.3% / VT / - Some other minor misc.

Duncanhlc

Hi guys, I haven't traded in the US stock market, but due to the poor performance of my country's stock market in recent years, I am thinking of putting some money into a long-term investment. I am thinking of investing in these stocks and ETFs: VOO - for big-cap companies VB - for small-cap tech companies BRK - for more traditional companies like Banking? As I said, I am not familiar with the US market, can you give me some suggestions about my decision and the holding proportion?

CMACSNACK

Get out of a TDF. They are too conservative. If you are young you could just do VTI and never think about it again. Or you could do 90:10 VOO:VB. Regardless of what you choose, just keep maxing out your retirement accounts each year.

Hugheston987

VOO, VONG, VB, SPMO. These are my holdings right now. I've got some QUAL too but I'm dropping that one soon for more VB I think

Hugheston987

I'm thinking small caps gonna pump over the next month, calls on VB it is

Hugheston987

ACHR looks incredible, but I'm happy with my relatively safe ETFs like SPMO and IVV, VONG, VB, QUAL, I'm going long. I know Monday is gonna rug pull everything, tis a normal correction.

Odd_Application_3824

Okay so here is where I am. Currently I have a small Roth IRA with Robinhood. I use their aggressive model of investing because I started rather late and need to catch up. I know there are risks there, but it is what it is. The following is where my Roth lies, as determined by their Robo Advisor for Aggressive Growth: IVV, VB, SCHG, QUAL, SPMO, VWO, VEA. I'm not an expert at investing, but don't want to pay fees for a financial advisor. I've spent the better part of this past year trying to learn more about investing. I'm trying to decide if I should stick to this blend or switch to something like all VOO. I like the blend because it allows me capitalize on markets that VOO doesn't touch, but the blend also makes things complicated. I have a monthly contribution that I make to my Roth now, but I also have just a daily drop as well. The problem is the Daily drop is not very high, since it's daily, so it just sits there until the next month. I could just daily drop into VOO and make things easier. Not sure if I should switch it all to VOO for simplicity, change the daily drop to just go to VOO each day (even though there will be significant overlap with my other ETFs), or just not do a daily drop...Any advice would be appreciated.

dukerustfield

You’re talking 0-3 ish% on ONE year of 30% returns. Then you kick it up to total over 5 and 10 years and they’re vastly less. VB/VBR, VOO. Keep it in the family. They’re about 30% less At 5. And I’m not one of these forums VOO and die. So I don’t consider it all that great in returns, but it IS “the market.”

Hugheston987

You really want to invest I suggest some ETFs for diversification and protection against wild dips, IVV is a good one. SPMO for momentum if you wanna get more exposure, VB for small caps, VONG for exposure to even more tech and growth 📈, QUAL for international exposure, that's what I'm doing. It's not as fast but it's good. You're going to lose all your gains if you don't change positions soon.

Hugheston987

Damn, hope you sold the top on that, 30% ain't bad at all for a quick haul. I haven't done a high risk high reward fast play in awhile, I miss the rush. I've been doing the boring stuff lately, just watching my 401k and Roth IRA slowly grow, IVV, VONG, QUAL, SPMO, VB, that's the Roth IRA and then the 401k is vanguard target 2055. It's lame but I do expect to be a millionaire eventually, in like 30 years...

hv876

About 20% goes to hr govt. that leaves you ~6M. 5 of which go into a diversified mix of VOO, VB, and VXUS. Rest go into models and bottles

Far_Lifeguard_5027

You'll be paying taxes on any capital gains distributions when the fund "turns over" in a taxable account when it rebalances. And since target date funds are MEANT for retirement, they're best in a tax advantaged IRA accounts. And you also shouldn't keep bonds in a taxable account either unless it's a municipal bond since the gains are exempt from federal taxes. In a taxable account you won't touch for ten years, a low expense ratio funds like VOO or VTI along with some total international index like VXUS is recommended. Other options are have some small cap ETFs too like VB or VIOO for small cap exposure.

thetreece

>VMO Expense ratio of 3.68%? Fuck that. What is your age and how far are you from retirement? Almost nobody that is contributing to a Roth (presumably IRA) should be buying expense fixed-income products. >VEA Not sure what the point of this is. You would be better off holding VT. >SCHG Why do you have this >BND How old are you? Do you even need bonds? >VB It looks like you picked a bunch of meme funds from reddit and youtube, then decided to put $15 into each one. Just make 3 fund portfolio. Skip bonds if you're young and not retiring in the next 10+ years.

Marlowe-Fire

Thanks, it is interesting you say that; According to Schwab,I am well underweight in small cap hence my thoughts on moving into VB. Definitely overweight in tech though.

_176_

I'm not sure what to tell you other than it's generally fine but not ideal. It's overweighted in small cap and tech. I wouldn't recommend trying to move more money into $VB. Personally, I'd be looking to rebalance the equity portion into something resembling $VT as best I could while avoiding taxes.

Forecydian

When you have an allocation at 5% or less it basically becomes negligible to affecting rate of return , at least for funds , if it were individual stocks which could return 20% or more than it can affect your overall cagr. Also VB is the largest market cap of small cap funds https://www.morningstar.com/funds/why-how-index-us-small-caps, I would do either 100% AVUV/ DFSV for your small cap part, or have a core small core fund like IJR or SCHA then add SCV. To replace VOOG and tech , use QQQ VOO 35% QQQ 25% AVUV 40%

ttforum

Thanks, this is what I’m thinking of going with: Core S&P 500 Allocation: 60% ETF | Symbol | Percent :—|:—|:—| Vanguard S&P 500 ETF | VOO | 35% Vanguard S&P 500 Growth ETF | VOOG | 15% Technology Sector ETF | XLK | 5% Consumer Discretionary ETF | XLY | 5% Small-Cap Allocation :40% ETF | Symbol | Percent :—|:—|:—| Vanguard Small-Cap ETF | VB | 20% Small-Cap Momentum ETF | XSMO | 10% Small-Cap Value ETF | AVUV | 10%

ttforum

Very interesting. Here is what I’m thinking of doing: | Asset Category | Symbol(s) | Allocation | |-——————————|-—————|————| | **Core S&P 500 Allocation** | | **60%** | | - Vanguard S&P 500 ETF | VOO | 35% | | - Vanguard S&P 500 Growth ETF | VOOG | 15% | | - Technology Sector ETF | XLK | 5% | | - Consumer Discretionary ETF | XLY | 5% | | **Enhanced Small-Cap Allocation** | | **40%** | | - Vanguard Small-Cap ETF | VB | 20% | | - Small-Cap Momentum ETF | XSMO | 10% | | - Small-Cap Value ETF | AVUV | 10% |

Far_Lifeguard_5027

I do both though. I have a good chunk between VOO/SCHD/VB, and I dip my toes in Fidelity Bitcoin. I'm holding NVDA as that is the only stock I will buy and hold. For short term gains, I follow StockInvestUS and I wait for a golden star or a strong buy signal and if I catch one in time, I will buy some. Some stocks will beat the S&P every now and then. It's not unusual to get 25%+ gains for a few months at a time if a stock is doing really well  I mean look at Palantir lately. All the analyst say it was going to drop to $9 a share. 

gamers542

ITOT is better for diversification. IVV and VOO are OK but don't make it your entire portfolio. I prefer IVV though. Not a fan of Vanguard. XSMO doesn't provide enough diversification either as it's only 117 or so stocks. Also what momentum factors do they value? If you can't answer that, then stay away from that one too. IJR/ IJS or AVUV are better for small caps generally, especially small cap value. Even VB/VBR is an option that is better than XSMO.

Present_Shirt3139

Hey, I am 19 years old living in the US and have been investing for a few years in a Roth IRA. I don't have any big expenses coming up, putting in $50 each month through these positions. I don't mind being risky since I am young, time horizon is retirement. Currently, my portfolio looks like this: 1% Ford 3% VBR (Small Cap Value ETF) 19% VB (Small Cap Index) 22% FXAIX (fidelity 500 index) 19% FELC (Enhanced Large Cap) 36% FBGRX (Blue chip growth) Ford is more of an experiment with some technical analysis sheet I created, also the dividend is nice. Any general advice for my portfolio breakdown?

Background-Dentist89

So sad. I knew the outcome of this sad story by the end of the last sentence. And a 1% fee he charged to churn their account with such terrible advice. I hope your parents are young. Here’s a summary of the 10-year returns and expense ratios for the Vanguard Small-Cap Value ETF (VBR) and the Vanguard Small-Cap ETF (VB): 1. Vanguard Small-Cap Value ETF (VBR) • 10-Year Annualized Return: Approximately 8.3% (as of the latest data). • Expense Ratio: 0.07%. 2. Vanguard Small-Cap ETF (VB) • 10-Year Annualized Return: Approximately 9.4% (as of the latest data). • Expense Ratio: 0.05%. These returns reflect the performance of small-cap stocks over the past decade, with VB slightly outperforming VBR due to its broader exposure to growth-oriented small-cap stocks in addition to value stocks. But then you have to add the 1% he charged for doing nothing. At the very least if they love these instruments drop him and buy them themselves. It could be worse I suppose.

ChuckConnelly

So many. SCHD, XLF, VONG, VB to name a few. There’s an ETF for anything and everything

boroqcat

Nobody tell him that hw 6 is altering code in VB and Squirt thought he’d rack up a viral wsb/front page post with the new trick he ~~prompted chatgpt~~ just learned.

Far_Lifeguard_5027

I would put about 20K of it in a money market fund to keep it liquid. Assuming I had a steady job with a good 401k, I would max out a Roth IRA for the year and buy a low expense ratio target date fund in it. I would put the rest in taxable brokerage and buy safe index funds to diversify between the U S stock markets, international stock markets by choosing Either VT, or a combination of VOO, VB, and VXUS. I would buy and maybe some value stocks. 

Plus_Seesaw2023

IWVL or VHYL by 40%, but with a huge DCA by price! 4x or 5x orders... IWM or VB by 25%. Same. huge DCA. IBGL or VAGB by 25%-30%... that would be my strategy.

brewgeoff

The only change you really ought to make is the addition of small/mid cap companies. There are two ways to do that: 1) Swap out VOO for VTI 2) Reduce VOO to 65%, add 10% to VO and 5% to VB.

Hugheston987

Switch it to VOO. That's what I'd do, maybe 30% VOO, 25% SDVY, 25% VTI, 10% BND, 10% VB. Just a random portfolio idea that should be safe.

bmeisler

If you have a balanced selection of ETFs - say VOO, TLT, SCHD, VB, VXUS, BND, QQQ, GLD, in various percentages, something like that - aren’t you supposed to sell the BEST performing ones? Or else I’d just figure out 5% of every holding.

EngFL92

Until you realize that there is a ton of overlap between something like VT and VOO, and VT has a higher expense ratio, less volume and has underperformed VOO (just using these two as an easy example). For my personal investment I just do the diversification myself for my ETFd. For example 60% VOO (essentially US large cap), 20% VB (US Small cap), 15% VEU (Lg cap excluding US) and then 5% VCLT (US Long term corp bonds). This way I get some diversification, lower average expense ratio, and (hopefully) higher gains.

kerrykingzgo-T

Chuck it in me fackin dumpa yu hoonin cunt  then let's chug sum VB's and vegimite sammies befuh rootin yuh sistas cunt mate 

MattKozFF

VOO (big cap US) + VB (small cap US) + VXUS (International excluding US) would be close to VTI. You would choose the 3 over VTI if you would like to increase you exposure to a specific one. For example if you believe large cap US stocks will outperform global stocks and small cap US in general, you would buy more VOO and less VB and VXUS. If you're building a portfolio for the rest of your life, I'd follow the Bogle 3 fund portfolio. It's simple and diversified and can be rebalanced over time as you move towards retirement. https://www.bogleheads.org/wiki/Three-fund_portfolio Essentially VOO/VT + VXUS + Bond fund depending on age. Something like 70/25/5 ratio is what I target currently.

MattKozFF

Sure thing, also VGT is basically QQQM if you like all vanguard. VOO, VB, VGT, VXUS

bluehat9

You’re right that there wasn’t a recession in 2019, I don’t know why I thought that. I guess maybe I was confused becauae trump WAS pressuring the fed to cut rates to the bone and even into the negatives in 2019. Why the hell would he want to do that? https://www.reuters.com/article/business/trump-heaps-pressure-on-fed-and-its-chairman-powell-to-cut-rates-idUSKCN1VB1I1/ https://www.reuters.com/article/business/trump-reverses-course-seeks-negative-rates-from-fed-boneheads-idUSKCN1VW1CI/

Major-Bookkeeper-565

Im 61 and have found no better investing tactic than to never day trade. I have tons of day trade experience, enough to know the best tactic is investing dollar cost averaging buys each month or week forever into VGT, VUG, VOO, VB. Buy $1,000 per month or $250 each every month for 30-40 years. Buy twice as much when markets collapse and never ever ever market time. Also buy ET and never ever ever sell. Re invest the dividends. Buy XOM and re invest the dividends. Pay off all debt. Always have a cash reserve from $10,000-$100,000 or more for emergencies. Never retire from generating cash reserves.

rice_not_wheat

I guess I'm the type of person who, if dissatisfied with VTI's small cap allocation, would go VOO and get the VB/VO that satisfied me directly. Then again, I'm just the type of person who would prefer VTI directly.

ST34LTH77

I started back in 2015 and my allocation in my Roth looks like this. VOO - 60% VXUS - 20% VB - 10% REET - 5% BND - 5% BND has been shit but I tried to create an "all-weather". Hits about every market there is imo.

glisteningoxygen

Kekistan. 1 - The products aren't remotely comparable. 2 - Who do you think owns VB?

NicKaboom

Generally this is a good approach and over the last 15 years has been a winning strategy, however I would recommend also considering a little diversification as markets are cyclical and you may want to be a bit more conservative with your portfolio as you get closer to retirement age. I would personally mix in a bit of small cap market exposure (10-20%) with an ETF like VB, and perhaps a small allocation to bonds if you like. You can still be very hands off, but I'd consider setting a recurring appointment on your calendar to spend about 30 minutes once a year to evaluate your portfolio and decide if the mix you choose still makes sense for you. You could even do it every 3-5 years while you're still in the middle of your working years, but as you approach retirement age I'd be a bit more hands on, and make sure you have a plan of action when you are 5-7 years from retirement. FWIW -- I am about the same age at 38, and my current portfolio mix is roughly 83% stocks, 11% bonds, 3.5% cash, 1.5% crypto. I do invest a few single stocks that I like, but the majority is all in a few different index fund/ETFs. I am more obsessive than most, and I do quarterly reviews of all my financials, but I also nerd out over spreadsheets, graphs and charting progress :)

ChillyAnalyst

A lot of interest in small caps lately, a lot of excitement being generated around the idea that rate cuts are substantial tailwinds. I was interested in the relative performance of various ETFs about 8 months into the year. Here is a table of the 8 largest small cap ETFs by AUM. Note this is delayed data as of Thursday close. Since a lot of movement occurred Friday, I will try to put up another one tomorrow. Still should give you an idea of relative performance and it appears rankings between them did not change too much, [they all did great Friday.](https://i.imgur.com/UExjX7q.png) |**Symbol**|**ETF Name**|**Total Assets ($MM)**|**YTD Price Change**|**Avg. Daily Volume**| :-:|:-:|:-:|:-:|:-:| |IJR|iShares Core S&P Small-Cap ETF|$84,851|5.15%|3,539,714| |IWM|iShares Russell 2000 ETF|$68,282|6.97%|31,931,624| |VB|Vanguard Small Cap ETF|$58,188|7.55%|601,177| |VBR|Vanguard Small Cap Value ETF|$29,433|8.32%|409,989| |SCHA|Schwab U.S. Small-Cap ETF|$17,571|5.84%|856,555| |VBK|Vanguard Small Cap Growth ETF|$17,542|6.59%|291,578| |AVUV|Avantis U.S. Small Cap Value ETF|$12,682|3.99%|735,970| |IWO|iShares Russell 2000 Growth ETF|$11,666|8.78%|411,345| Very different benchmark and a poor comparison but S&P 500 is 18.1% YTD.

ChillyAnalyst

A lot of interest in small caps lately, the thesis being that cuts are good for them. I was interested in the relative performance of various ETFs about 8 months into the year. Here is a table of the 8 largest small cap ETFs by AUM. Note this is delayed data as of Thursday close. Since a lot of movement occurred Friday, I will try to put up another one tomorrow. Still should give you an idea of relative performance and it appears rankings between them did not change too much, [they all did great Friday.](https://i.imgur.com/UExjX7q.png) |**Symbol**|**ETF Name**|**Total Assets ($MM)**|**YTD Price Change**|**Avg. Daily Volume**| :-:|:-:|:-:|:-:|:-:| |IJR|iShares Core S&P Small-Cap ETF|$84,851|5.15%|3,539,714| |IWM|iShares Russell 2000 ETF|$68,282|6.97%|31,931,624| |VB|Vanguard Small Cap ETF|$58,188|7.55%|601,177| |VBR|Vanguard Small Cap Value ETF|$29,433|8.32%|409,989| |SCHA|Schwab U.S. Small-Cap ETF|$17,571|5.84%|856,555| |VBK|Vanguard Small Cap Growth ETF|$17,542|6.59%|291,578| |AVUV|Avantis U.S. Small Cap Value ETF|$12,682|3.99%|735,970| |IWO|iShares Russell 2000 Growth ETF|$11,666|8.78%|411,345| Very different benchmark and a poor comparison but S&P 500 is 18.1% YTD.

ChillyAnalyst

A lot of interest in small caps lately, the thesis being that cuts are good for them. I was interested in the relative performance of various ETFs about 8 months into the year. Here is a table of the 8 largest small cap ETFs by AUM. Note this is delayed data as of Thursday close. Since a lot of movement occurred Friday, I will try to put up another one tomorrow. Still should give you an idea of relative performance and it appears relative rankings did not change too much: [https://i.imgur.com/UExjX7q.png](https://i.imgur.com/UExjX7q.png) || || |**Symbol** |**ETF Name** |**Total Assets ($MM)** |**YTD Price Change** |**Avg. Daily Volume** | |IJR|iShares Core S&P Small-Cap ETF|$84,851|5.15%|3,539,714| |IWM|iShares Russell 2000 ETF|$68,282|6.97%|31,931,624| |VB|Vanguard Small Cap ETF|$58,188|7.55%|601,177| |VBR|Vanguard Small Cap Value ETF|$29,433|8.32%|409,989| |SCHA|Schwab U.S. Small-Cap ETF|$17,571|5.84%|856,555| |VBK|Vanguard Small Cap Growth ETF|$17,542|6.59%|291,578| |AVUV|Avantis U.S. Small Cap Value ETF|$12,682|3.99%|735,970| |IWO|iShares Russell 2000 Growth ETF|$11,666|8.78%|411,345|

DJRungeKutta

If you really want to focus on small-cap stocks and avoid the idiosyncratic risk associated with any one firm, then an ETF like Vanguard's small index fund (ticker: VB) could be something to consider. It's a diversified portfolio of small-cap stocks. This allows you to tilt your portfolio towards small parts of the market, without taking a pick of which exact small-cap firm will outperform. There is some evidence that small cap firms tend to outperform large-cap firms over the long run, but this size effect has been relatively weak recently. Some food for thought.

Front_Expression_892

VO is Vanguard mid-cap low-fee ETF. You can also look at VB if you really wanna hold small-cap.