VITAX
VANGUARD INFORMATION TECHNOLOGY INDEX FUND ADMIRAL SHARES
Mentions (24Hr)
-100.00% Today
Reddit Posts
Help me understand this discrepancy with VITAX and 401k
Canaccord genuity initiates coverage of Cipher Mining ($CIFR) with a buy recommendation.
Is it dumb to put all my money in these four funds?
Mentions
I have held VGT for years and also hold VITAX in my Roth IRA.
Up a few percent. I was in SMH and VITAX for the majority. I divested in October and rough math says I'm still ahead. Didn't mean to time the NVDA pull back but my position is higher than if I didn't. I'm still not thinking the market is going to rip and tear on AI right now. With the new IPOs in the works and the recent revelations from various sources, it feels to me like there isn't a high enough ceiling to the Mag7.
Do whatever suits your investing style. I stick with MSFT, NVDA, RL, and VITAX.
VITAX has had good returns over the past two years. But the question is how much you think AI is in a bubble. If you don't care, it's a decent pick. If you do, it's top heavy with chip makers. How much risk do you want?
Oh sorry I misread yours as well!! VTIAX and VITAX lol they are so similair!
VITAX is American tech, mostly NVDA/MSFT/AAPL I seem to have misread your title as VITAX when it was in fact VTIAX (total world market). At any rate, I have never been interested in international stocks generally, and it is clear the American stock market is the place to be; however, it is fallacy to think these companies (big "American" companies) are not also international businesses. Nvidia, Microsoft, Apple, etc. do business all over the world and I am definitely going to pick them any day over stocks in China, emerging markets, etc. There are many reasons for that.
I used to hold 100% VIGAX for a significant amount of time in my Roth IRA. At a certain point, I bought some VGT in addition to VIGAX and noticed that was doing significantly better. Then I finally went 100% VITAX when I was able to buy it because the minimum is 100k. However, I started doing single stocks in my Roth IRA and I am 85% VITAX 15% NVDA. If anything, I should have done this sooner and bought much more NVDA.
In my 401k retirement account, I have almost 50% in VGT equivalent (VITAX) then some VYM/VIG equivalent since i dont know which is better so I have both equally. They should smooth out down turns About 15% in money market fund so i can "buy the dips". I don't have VOO. I think tech will carry the market. But they drop fast too, just look at April 2025. Make sure you can handle the "loss". VGT was down almost 25% in april.
I’ve been investing in VITAX (VGT) for over 20 years now. I have a really firm belief that tech is not a static industry like real estate and energy, and that it changes. What remains the same is that it’s highly reliant on engineering, which means that it’s from the labor of the smartest people in society. I’m completely satisfied with the results of this fund.
I have considered buying the mutual fund version as I can only exchange mutual funds within my Ira and I can exchange funds with no tax implications but I’m not sure about selling MDs and buying this etf. There is a mutual fund of VGT called VITAX but the minimum entry is 100k and I’m not sure of any alternatives. Not sure why the amount is so high.
OP is actually rich via the boring -- but aggressive -- way. The boring? Maximize full-time income (typically via tech/sales, at least $100k-150k USD/year); max contributions to 401k, IRA, HSA, and then funnel as much extra money as possible into a taxable brokerage, like OP is showing here. Obviously, making $100k/year makes this easy, but making $200k, 300k/year or more makes this a piece of cake. As for what to invest in... just plop it all into one easy low-expense fund, just gotta choose that fund: The aggressive? Well, which fund is OP in? We know it's performance was -12.79% on April 3rd. Looking up some low-expense funds, I don't think it's any of the *typical* index funds as the worst performing today was the IT sector (Information Technology Spliced Index) with an example fund of Vanguard's VITAX (Vanguard Information Technology Index Fund) which "only" lost 7.30%. Another thought of mine was the semiconductor index (example fund SOXQ) but that was "only" down 9.85%. So it has to be even more aggressive than having $4.5M completely in the semiconductor sector. To be honest, I got bored guessing at this point and just looked through the long fucking list of funds. Honestly, best guess is something like ProShares Ultra Russell2000 (UWM), a leveraged small-cap index.
VGT or VITAX are tech heavy funds with a heavy dose of MAG7. https://www.nasdaq.com/articles/3-best-etfs-beat-nasdaq-through-2030
So, you could buy VITAX, but that has 100K minimum. Better one if VIGAX, which is the same as VUG. It's growth focused, not 100% tech though. That's probably the best advice I could think of.
I have the vast majority of my Roth IRA in VITAX (same as VGT) and it makes me happy.
Why everyone isn't just in VITAX I don't know. The most extreme rate hikes in my lifetime were supposed to "crash" tech. VITAX has almost doubled from it's low in 2022 even with the "tech-killilng" interest rates. With "tech-killing" interest rates we saw the birth of $3 trillion tech companies. We saw the cash burning AI startup raise at a $150 billion valuation. With rates going down, these will be peanut numbers.
The majority of my retirement is in $VITAX, and it is the only thing that has gone up since then, but that's fine.
Passive value funds are a waste of time, in my opinion. Go with VTSAX, or mix VTSAX with some VITAX if you like tech and can handle the volatility.
VGT or VOO funds and chill. If you have 100k to invest then VITAX. I think it's up 45% this year. Pretty good for a fund.
I’m 40, so I was bored thinking about what I would do with that money at 21, and I likely would’ve done the same shit with my regarded monkey brain at that age. But if you were fiscally responsible (you posted here so clearly not) At your age (21) If you had put taken that 280,000, paid your likely 60-70k in short term capital gains taxes, kept 10k for stock play money, then put the remaining 200k in the Roth Vanguard Information Technology Index (VITAX) over the course of 12-15 years at the cap and never put another cent in your 401k you’d hit 65 with millions of dollars. They have a 5/5 and Gold Medal as one of the safest retirement accounts and a 0.1% expense ratio with a 19% rate of return for the last decade. Since the Roth 401k cap is currently $22,500 (Going up to 23k in 2024) that is why you can’t unload all at once which I am sure you know. But you wouldn’t let that money just sit, you’d invest the rest in Vanguard or Fidelity Mutual Funds with 10-15% rate of returns over 10 years. You will have to pay capital gains taxes on those but since you will be storing it all in the mutual fund until you can transfer it over to your 401k you would only pay long term capital gains tax. I chose Roth 401k over Traditional so those Millions of dollars you have at 65 are Tax Free. Now why would that have been a brilliant move? You wanna be a rich regard right now? Well it means you would never had to worry about using your income for retirement so you could take that 15% every other adult invests in their future and gambled it away like a regard in the dumbest shit you could imagine and never once care if you lost it because youre already set. Since you have 44k left, I’d still do all of the above, except keep 4k in play money and use the remaining 40k to get a huge jump start on that retirement since 22 to 65. If you had a 15% rate of return on that 40k until age 65 youre still looking at millions of dollars at 65.
That money doesn't have to be locked up for decades. You can take loans from your 401k. You pay yourself the interest. During periods of market downturn (like the 2020 pandemic, and the Ukraine War), I chose to park all of the money in the 401k in the most conservative static fund. I then withdrew over 40K from the 401k using two loans. I will pay off the loans starting next year. Well, guess what? I got 40k, and when I moved the money out of the static fund and back into funds like VITAX, I did very well. Of course, it's very difficult to time the market like this, and I didn't manage to time the very top and very bottom. But I ended up growing the 401K to a much larger value than it was prior to removing the 40k.
Of course you should sell AAPL. AAPL's revenue went up solidly until 2022. That's why the stock more or less just rose from 2008 to 2022. AAPL has hit the smart phone demand wall. People aren't buying as many smart phones as they used to. The iPhone is AAPL's core market. The stock has been very market driven since 2022. It now floats based on the over all value of the market rather than "AAPL's revenue just keep going up, so the price of the stock will just keep going up." If you had bought and sold AAPL since 2022 when the markets turns up and down (due to macro issues like the Ukraine War and Inflation), then you could have made a decent profit. I know, I did this in my 401K using the VITAX etf. The days of just "buying and holding" stock are for the most part over. That view worked pretty well until CovId in 2020 and more recently the big hit that markets took in 2022. The markets now swings pretty wildly based pandemics and inflationary wars.
VGT / VITAX had annualized returns of 19.1% over the same five years, and you didn't have to reinvent the wheel. :\
Since you're looking for 5-10 year growth, I'll just put this here (I was checking on my 401k since I hit my five-year mark at my company): Five years, VITAX, 19.1% ROR. If you can't get VITAX, get VGT. Done in one.
Isn’t this an argument for investing in VITAX or VGT? https://investor.vanguard.com/investment-products/mutual-funds/profile/vitax Or https://investor.vanguard.com/investment-products/etfs/profile/vgt
The robo advisor mix you described is lower risk and lower return than a straight stock portfolio such as VTI or SPY, etc.. If you want to ramp up the risk/return further, you could consider going small cap value. Theoretically this should be one of the best long term returns. I'm not sure it works out that way in reality. For high risk High reward, I'd dump it in VITAX even if that's not what may be a classic move.
Index funds. If you want to pick individuals I wouldn't recommend anything more than 5-10% of your total portfolio. Risk tolerance is a huge factor in determining your portfolio mix, but generally I encourage things like VT, VTI, VOO, VITAX, and VXUS I'm 100% VTI in my personal account.
I did consulting for a *very* well known private bank a while back and their dirty little secret was that 80% of their actively managed portfolios we’re off track to achieve their goals and didn’t outperform the S&P 500. It was exactly because people think they’re smarter than the market and would screw around with their portfolios constantly even against the advice of their relationship manager. The answer to your question, though, is that if you’re particularly interested in, say, tech stocks you basically have 2 options—invest in VITAX and forget about it, or pick a few of your top favorites from that group and actively monitor their performance along with that of the broader sector with an aim towards shifting your positions when you see opportunity or risk. The latter is a pain in the ass unless it’s your job. IMO, index funds basically just handle all the timing and diversification for you with no effort on your part. The make me anxious because with how complicated everything related to finance can be, it doesn’t seem like it should be as simple as buying VOO, VOOG or whatever else and just not thinking about it. I will tell you this though. I invested $5k in VOOG and $5k in a YOLO account several years ago. VOOG is winning by a long shot, and that’s after I made a killing on AMC.
I did something similar and parked money into some mutual funds and ETFs, with dividends reinvested. The goal was to set and forget until the kids were old enough. Top three performers to date have been VHT, PAUAX and VOO, and that's after the market's dive. In general I have had very good returns with Vanguard funds. I also put a little money into brokerage accounts that they can manage on their own, the stipulation being they can only have access to the money when they're 18. That has actually been very educational for me as well. One kid asked what I thought about Tesla. I said I wasn't interested. He bought anyway. Freaking +996% right out of the gate. Also CALX, which I'd never heard of. Up %165. Other kid has not had the same luck, though he introduced me to Silvergate, which I wound up buying for myself. He seems to not enjoy the market turbulence so he ultimately parked everything into VITAX and called it a day (up %36).
You have 25% in each of TSM, SP500, and 2 sector funds. That is a lot of repetition with no added diversification, i.e. lower correlation of the funds to each other. If you want to do the same thing and simpler... just do: 75% VTSAX and 25% VITAX. If it was me though I would do: 75% VTSAX and 25% total international. Adding the international adds diversification by differing currency AND not being so heavy on tech/ information sectors which dominate the VTSAX due to being 70% sp500 which is again dominated by tech/ information. It is common for investors (young and experienced) to want to "skate where the puck was and not where it is going to be". Every decade has a new winner so for sp500 in the next decade there is a likely event of a 2000's (flat decade) after a great 1990's decade vs. having another great decade of returns. Recency bias is a big deal and folks make every excuse to say, "this time is different." But in investing it never is different.
For vangaurd funds, I think VUG (or VIGAX) is probably most similar to QQQ as a large cap growth with tech "tilt" and has similar performance but significantly more diversified holdings (like almost 300 vs QQQ's 100). The poster above recommended VITAX (aka VGT ETF) which is more pure tech. VGT scares me a bit because it is like almost 50% between AAPL, MSFT, and NVIDIA (or something close to that).
To be honest, it's hard to compare anything to QQQ because QQQ doesn't actually have an investment thesis in its own right. It's a more-or-less arbitrary selection of stocks. If I look at what QQQ covers in terms of sectors that I allocate to, I'd think about it in the following way: * If my investment thesis is to overweight large cap growth, I'm going to use VIGAX. * ...to overweight tech, I'm going to use VITAX * ...to overweight health, I'm going to use VHCIX, etc. Also, those are all Vanguard mutual funds, but they can easily be swapped for the same sector-specific mutual funds/ETFs from a bunch of other sponsors.
The first thing I'd point out is that QQQ is not a Tech ETF. It's a large cap growth ETF with a bunch of stuff in it, including 15% Consumer Cyclicals, 7% Consumer Defensive, 7% Healthcare, etc. As of last night, it's 48% in pure Tech. Remember, it's just the 100 largest non-Financials trading on the NASDAQ. It's basically an advertisement for an exchange. If you want a giant, cheap, pure Tech ETF, you're looking for VGT, XLK, IYW, etc. Since I don't trade during the day, I personally just use VITAX for pure Tech.
I haven't updated my Google Sheet recently, so this might be *slightly* off, but around 5% of the overall portfolio, ~17% of the international equity portion. This is a good reminder, cuz a general total market international fund [like VITAX](https://investor.vanguard.com/mutual-funds/profile/portfolio/vtiax) is more like 25% EM, so I should up those holdings a bit. (similarly, [here's a Morgan Stanley article](https://www.morganstanley.com/im/publication/insights/articles/article_howmuchtoown_us.pdf) pegging EMs as 26% up global market cap, up from 19% in 2009).
I'd do QQQ given the diversification you already have with the rest of your portfolio, and that it has most of the companies you're looking at individually. Plus, it seems you might prefer not having to babysit this portion of your investment too much (?) You could also look at QQQM, sort of a mini QQQ with lower expense ratio which tracks pretty much the same. Some disadvantage/risk (eg spread) since it's not as liquid (big and active) as its big bro, but that's less important if you're looking to hold long-term. I've been researching VGT versus QQQ because of lower expense ratio and similar results. Maybe VITAX, too. But still digging in. QQQ is a very solid choice, IMHO.