VITSX
VANGUARD TOTAL STOCK MARKET INDEX FUND INSTITUTIONAL SHARES
Mentions (24Hr)
0.00% Today
Reddit Posts
Money never seem to go up. Am I investing correctly?
Mentions
Should Capital just buy Bitcoin, instead of paying a 100% premium to hold Bitcoin through Strategy? (As Jim Chanos would argue?) Maybe, but it’s a moot point: Capital’s biggest holding of Strategy is through its Growth Fund of America, which “invests primarily in common stocks” and “may also invest in other equity-type securities,” but doesn’t seem to have Bitcoin (or Bitcoin ETFs) in its mandate. If you are a long-only equity mutual fund manager and your investment thesis is “I should buy Bitcoin,” then over the last year (1) you were right and (2) you weren’t allowed to buy Bitcoin. So maybe Strategy was the best practical way to implement that thesis. (Should you be allowed to implement that thesis? Should you just change your fund’s mandate to allow Bitcoin? If you are a long-only equity mutual fund manager, are your clients paying you for Bitcoin exposure? Is it your job to buy them Bitcoin? Uh, I don’t know, I can see arguments either way, but in any case you are not technically giving them Bitcoin exposure: You’re giving them Strategy exposure, and Strategy is a stock.) So one thesis for Strategy’s premium could be something like “institutional equity investors will come to demand Bitcoin-in-stock-form faster than Strategy can sell it to them.” Another, related but slightly different thesis is something like “index funds will be forced to buy Strategy at whatever the premium is.” Capital is the second-biggest Strategy shareholder, but Bloomberg’s Vildana Hajric reports on the biggest: Bitcoin is not “appropriate” for long-term investors. Also, digital assets are more a speculation and less an investment. And they’re an “immature asset class” with little history and “no inherent economic value” that can wreak “havoc” on portfolios. Vanguard Group Inc. executives, channeling the logic of the venerable Jack Bogle, have made their opinions on crypto clear. Yet thanks to the cold logic of index investing, the $10 trillion money-management giant is now the biggest backer of Strategy, the software firm that famously reinvented itself as a proxy for Bitcoin and became a poster child for the industry’s ambitions. Vanguard owns more than 20 million shares, nearly 8%, of all of Strategy’s outstanding Class A common stock, and likely surpassed Capital Group Cos. for the no. 1 spot sometime in the fourth quarter, according to data compiled by Bloomberg based on regulatory filings. The dozens of Vanguard mutual funds and ETFs that hold the stakes track everything from small- and mid-cap benchmarks to momentum, value and growth gauges, among others. And Strategy isn’t even in the S&P 500. (“Vanguard’s single biggest stake in the company is in its $1.4 trillion Total Stock Market Index Fund (VITSX), which has 5.7 million shares, worth roughly $2.6 billion.”) But it’s working on getting in. Think what fun we will have when that happens. Also: This is fine? I make fun of this stuff all the time, but what do I know? Yesterday I made fun of a new crypto treasury company whose treasury will be filled with HYPE tokens. “The name here is particularly on-the-nose,” I wrote. But I make fun of regular old public companies sometimes too, and sometimes those stocks go up anyway, and nothing here is investing advice, and my money is mostly in index funds. I have learned that my desire to make fun of some goofy financial thing is completely unrelated to whether that thing’s price will go up. I have no particular insight into which financial assets will go up, so I try to be a price taker as much as possible: I try to invest in the market portfolio and get the market return. A lot of investors are in the same situation, or should be.[2] In 2005, “the market portfolio” included mostly stocks and bonds. In 2025, it absolutely includes cryptocurrency, which is now a multi-trillion-dollar asset class. There are various ways to get exposure to crypto (you can just buy Bitcoin, or Bitcoin ETFs, etc.), and I am sure that like 10 people are going to email me about their startups that offer convenient ways to get indexed exposure to crypto (you give them $100 and you get $100 of market-cap-weighted exposure to a bunch of big crypto tokens). But the simplest and laziest way to get sort-of-index-ish exposure to crypto is to own the total US stock market, because the stock market now includes an ever-growing supply of crypto treasury companies. You might not want crypto in your stock index fund — Vanguard doesn’t want crypto in its stock index funds — but the whole point of an index fund is that you don’t want to invest in what you want! (Or in what a fund manager wants.) You don’t trust yourself (or your fund manager) to want the right things. You want to invest in what the market wants, and what the market wants is crypto.
Start by working on changing the fact that you have "no clue wtf all that is." Teach yourself to fish rather than asking a crowd to donate fish. Yes, it takes some effort, and I agree that the abbreviated descriptions make it a bit harder than it should be. These are not stocks *per se*; they are mutual funds that contain different kinds of stocks. Vanguard, American Funds, Oakmark, and Dodge & Cox are the institutions that manage the funds. The first two are Vanguard index funds tracking S&P 500 (VINIX) and the total U.S. stock market (VITSX). You can just Google "VANGUARD INST IDX" for example, and this content will show up. You can then explore the fund's composition which tells you what's in it. The Equity Inc ADM (VEIRX) is a large cap value stock fund. I'll let you Google the rest. But you should choose based on your age. If you are young, pick one of the stock index funds at 100%. If you are older, hedge that with a portion of something more conservative.
Lots and lots of stocks. All the big tech stocks, SCHG, SCHD, VITSX, Costco, Home Depot, Verizon, Altria.
Downside is not necessarily the case in all plans. My 457b has access to Vanguard institutional funds (such as VITSX) with as low as 0.02% expense ratio. Got lucky on that one Totally agree with you that OP should get one
Ag darn! I don’t have VITSX on my list of options
About your age and jumped out of the Vanguard target 2055 years ago…my company 401k is limited in options but the lowest cost basis and best performing option I have found is VITSX and I have it set for 100% of contributions. Each week on Monday I also have auto-buys set for SPY. I just buy $200 each Monday.
Thanks for the extended explanation. I guess when you're saying "investor share" vs "institutional share" funds, one example would be VTSAX vs VITSX, right? Does Fidelity have the same separation? I don't see it with a quick search.
I chose all vanguard index funds inside my 403b. Allocation percentage is based on the 2045 Vanguard target date fund. Rebalance yearly based on that. Average expense ratio for those funds is 0.05%. The plan is being managed by Core Bridge (AIG) 58% VITSX 33% VTSNX 9% VBTIX
My employer recently switched HSA custodians, so I'm having to change my allocations as some of the fund options are no longer available. I was previously invested 80/20 in VITSX/VBTLX. With the new custodian, I have access to VIIIX, VEMPX, and VBMPX (plus others, but these are the lowest expense ratios.) I understand that VIIIX tracks the S&P500, but it isn't a total market fund like VITSX was, so I'd likely want to hold some portion of VEMPX in addition to that. I'm not sure what percentage of that I should hold. Assuming I'd like to keep 20% in bonds, would 60/20/20 between VIIIX/VEMPX/VBMPX be similar, or should I go 65/15/20 or 70/10/20?
Van Total Stock Mkt Index - VITSX (Large Cap Core) would be my core holding Its a low cost index fund that holds basically the entire USA stock market
Index funds like VIIIX and VITSX. Key Bank is my favorite "Let's see what happens" individual stock. It's a regional bank, but I think I caught its low. I'm holding this for the long haul.
You should look into if they have VITSX as a supplemental fund (total US market). My company does, but it’s hidden in the supplemental section.
You can triple your rate of return by contributing to a single low cost S&P 500 fund like VITSX
I think that may have been more true in the past, but these days, IRAs are basically free and have no fees, and people have access to funds with very low overhead these days even with small amounts of money. Like if I were to do it, I'd have to go from VITSX to VTI, but both are 0.03% overhead. Or at worst, VTSAX at 0.04% if I was dead set on a mutual fund over an ETF. Unless my IRA isn't at Vanguard and there are mutal fund trade fees, so maybe SWTSX (Schwab) at 0.03%, or FSKAX (Fideloty) with 0.015% overhead.
If your employer offers a 401k or IRA, use that for the tax advantages and to get the employer match if they offer one. Beyond that, VITSX, VTSAX, or FXAIX.
Am I ok for retirement or should I make any changes? I am 34 years old and married, she is 33. I make about 80k. Household income about 120k. I have a company 401k. I have about 8k in there. I put in 7% and company matches 3%. It’s invested in target retirement fund 2055. I opened up a Roth IRA few months ago, 1 for me and my wife did as well with the intention of maxing out the Roth. We are 100% invested in VITSX. We only have about 2k each invested. My question is, assuming we retire at 65, are we ok for retirement? Did some online calculators and basically each of our Roths would be around 1 million in 30 years and my 401k will be around the same. I did the return % at 9%.
I am 34 years old and married, she is 33. I make about 80k. Household income about 120k. No debt and live in the US. I have a company 401k. I have about 8k in there. I put in 7% and company matches 3%. It’s invested in target retirement fund 2055. I opened up a Roth IRA few months ago, 1 for me and my wife did as well with the intention of maxing out the Roth. We are 100% invested in VITSX. We only have about 2k each invested. My question is, assuming we retire at 65, are we ok for retirement? Did some online calculators and basically each of our Roths would be around 1 million in 30 years and my 401k will be around the same. I did the return % at 9%.
Hey, nothing to it! You are doing very well right now and are still incredibly young so, I see no harm in doing 80% VITSX and 20% TDF! There's so much to learn and this sub is a great place to start, I'm sure you'll get better and better ideas to shape your investments to better suit your individual needs! But like I said, you are off to a great start, keep building on it!
Your Roth IRA should have gone up in value since 2018. According to portfolio visualizer using a "Dollar Cost Average" strategy since January 2018: FSKAX has averaged 11.88% increase per year (adjusted for inflation and dividends reinvested). FXAIX has averaged 12.76% increase per year. VITSX has averaged 11.88% increase per year. ​ There are some numerous overlapping coverages in your investing strategy. Pick FSKAX or FXAIX for your Roth IRA. Not both. For your 401k, pick either the TDF or VITSX due to overlapping.
Depends what your goals and risk tolerance are. Personally, I'd pick one or the other and go 100%. TDFs are intended to be an all-in-one single investments. It's the simplest option. You just keep chucking money into it and it automatically rebalances for you and adds bonds as you get closer to retirement. It will probably have a slightly higher ER and slightly lower total returns. VITSX has a lower ER and slightly higher total returns. But it's more maintenance over your lifetime. You will have to add bonds and, after you do, rebalance periodically yourself. Of course you can always do VITSX now and change it later since there are no tax consequences to buying or selling in a tax-advantaged account.
No because most of the target date fund is “total stock market” index so you have overlap Now if you were a few years from retirement I’d say just be all target date. If you are 20-40 and plan to retire 60-65 just be all VITSX
At 33 years old you can be 100% VITSX. Just keep buying regularly, never sell no matter what, and you will retire and multimillionaire.
Hi thank you! Do you recommend changing the contributions to something like 80% VITSX 20% target date retirement fund?
Hi thank you! Do you recommend changing the contributions to something like 80% VITSX 20% target date retirement fund?
Hi thank you! Do you recommend changing the contributions to something like 80% VITSX 20% target date retirement fund?
Hi thank you! Do you recommend changing the contributions to something like 80% VITSX 20% target date retirement fund?
Hi thank you! Do you recommend changing the contributions to something like 80% VITSX 20% target date retirement fund?
Do you recommend changing the contributions to something like 80% VITSX 20% target date retirement fund?
> The ones managed by a company are typically very slow to be re-balanced, if at all. Don't most TDFs re-balance annually to align with their glide path which is usually a perfectly reasonable re-balance schedule (annually)? What do you mean "if at all"? Some TDFs just don't re-balance? > Plus they might have a greater expense ratio than the funds that they consist of. This doesn't make them less diversified. You are paying extra for ease and automation. > Another things, if something like VTI or VITSX is available for you to invest in your 401k, then it's better to invest directly in that versus a nestled investment of the same fund in a TDF. That's because the company will likely charge more fees because they hire "advisors" to track and change the allocations, but the probably never do that. That's the same thing as addressed previously and has nothing to do with not being diversified.
The ones managed by a company are typically very slow to be re-balanced, if at all. And that gets worse and worse when you approach the retirement age noted in the funds. Plus they might have a greater expense ratio than the funds that they consist of. Another things, if something like VTI or VITSX is available for you to invest in your 401k, then it's better to invest directly in that versus a nestled investment of the same fund in a TDF. That's because the company will likely charge more fees because they hire "advisors" to track and change the allocations, but the probably never do that.
I would check the expense ratio for the target date fund. I guarantee it's higher than VITSX. Personally, I'd just go all in on the VITSX.
The closest to vanguard S&P is FXAIX. VITSX is a copy of VTI, not VOO.
You could change up your Roth a bit, FSKAX is a fund that is very broad and tracks all-caps. Meanwhile, FXAIX tracks the S&P 500. Both are really great, but you'll get a similar rate of return with both so, it might be better to diversify. If you are willing to take on more risk, you could open up a brokerage and invest in ETFs that have a higher rate of return, but keep in mind, they are also very volatile. Do your research, or consult an advisor before deciding what's best for you! Also, you are doing great with your 401k match! VITSX is a good fund, as are VTI and VOO. But target date funds are really conservative and not very diversified. I would ask the rep from Vanguard or do some research into your company's 401k plans to see if they offer something other than TDFs. But, other than that, you seem to be doing well OP, the market is fickle and highly volatile in the last year. The small gains you are seeing are probably due to that, nothing to worry about!
You've got a good start. Part of the magic of long-term retirement investing is not to watch it too closely. The upward trend is not always obvious except in the long term (5-10 years or more). The market can be down or sideways for 2-3 years at a time at points. You could simplify a little, if you want. FXAIX is a subset of FSKAX, so you're actually less diversified and more heavily concentrated in the S&P 500 by holding both. In the long term this won't mess you up, but there's also no benefit because their returns are virtually identical. The 401k is cool. TDFs are great. Adding in VITSX is a little bit more aggressive, and will increase volatility a bit. But VITSX probably has higher returns than the target-date fund, so there's a potential benefit there (though it may be small).
VITSX is very good, it’s a “total stock market” index with a low expense ratio The market the past 24 months has been volatile so that’s why it looks the way it does. We are all in the same boat 😁
Hello, I'm a 33F living in NYC making 75k. I have a Roth Ira I opened a few years ago. I have 60% in FSKAX. And 40% in FXAIX. It's remained around 19k. My 401k is through Vanguard. I spoke to a rep from Vanguard who stated the closest they had to a Vanguard sp 500 that my company allowed was the VITSX. I invested 50% in that and kept 50% in the target date retirement fund my company originally put it in. I contribute 6% since my company matches 100% of my contributions between 0-2% then 50% of my contributions up to 6%. This account always remains around 45k. Am I investing correctly? These numbers always seem to hover around the same amount for the last couple of years. Would love some advice. Thanks!
Yeah you don't want to go vanguard for value, you want Avantis or DFA Here is DFA large cap value vs Vanguard total stock market from 1998 to now https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2023&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=500&inflationAdjusted=false&annualPercentage=0.0&frequency=2&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&reinvestDividends=true&showYield=false&showFactors=true&factorModel=5&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&symbol1=DFUVX&allocation1_1=100&symbol2=VITSX&allocation2_2=100 Also value doesn't constantly outperform total stock market, its a risk factor. If it reliably outperformed, it would no longer be considered additionally risky, and everyone would be invested into it, eliminating the premium https://www.portfoliovisualizer.com/factor-statistics#analysisResults As you can see here from 1964 to now, Value has a 2.82% annualized return over market beta, and profitability has 3.13% https://i.imgur.com/Cq35dt3.jpg As you can see in this image, value often lags total market for YEARS, but when it pumps, it PUMPS, and overtakes. To be a factor / value investor, you need to dedicate yourself to the philosophy, if you are the kind of person who will get discouraged after a year of the market outperforming, then value tilting is not for you. This is an entire investing career long decision. Right now the value spread is near historical highs https://alphaarchitect.com/2023/03/compression-can-the-value-spread-expand-forever/
Nothing wrong with VFIAX. If you have VTSAX (or VITSX) that will also work well (VTI equivalent). You can also add some international for diversification's sake (or worsification depending on who you ask ;)
>I was reading that the 529’s don’t grow very much A 529 plan is like a 401(k) - a container for investments. Its growth rate depends on what you invest in. In my state you can invest in some vanguard index funds (VITSX, I think), some ex-US index funds, a few other equity funds, plus target date funds and stable value funds and bond funds. There's not an option for individual stocks. My state also gives a state tax credit for residents of 20% of the amount contributed, up to $1500.
Dividends aren't bad but they also aren't particularly desirable -- you may want to reconsider making that a priority. Okay, here's an example: Vanguard offers a total market fund, VTSAX, with a minimum of $3,000. This is intended for individual investors. https://investor.vanguard.com/investment-products/mutual-funds/profile/vtsax They also have VITSX, which is basically the same fund with a minimum investment of $5,000,000. It has an expense ratio of 0.03% instead of 0.04%. Otherwise, basically identical. VITSX is meant for institutional investors like companies doing 401k plans, etc. https://investor.vanguard.com/investment-products/mutual-funds/profile/vitsx They also offer an VTI, an ETF (exchange traded fund, basically a mutual fund that trades like you'd trade stock, available to anyone) https://investor.vanguard.com/investment-products/etfs/profile/vti All three are basically the same fund, but targeted towards different sorts of investors.
This is why I’m not a fan of target date funds, way too much international exposure. Just build your own target date fund using a simple 3 fund portfolio. I’m using VITSX, VTIAX, and VBTLX.
I was planning to once a year, to avoid a ton of fees, they had good funds, was 100% VITSX. But this opens many doors. 🙏
ALSO: If you dollar cost-averaged 10% of your initial investment into QQQ once a year? The answer to your question is "About 7 years". Link to evidence: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2022&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=1&annualAdjustment=1000&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&reinvestDividends=true&showYield=false&showFactors=false&factorModel=3&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&symbol1=VITSX&allocation1\_1=100&symbol2=QQQ&allocation2\_2=100
TDF are there for diversification, which means less overall volatility. Higher risk, higher return, higher chance of large drawdown. I personally have 50% TDF for my age 65 yr and 50% VITSX (overall US market). The TDF has some bond and international exposure, the rest id prefer to be allocated into US stocks
Looking for opinions on additional money allocation Hey All, Current portfolio: Funds: VIGAX - vanguard growth index admiral (Roth) VWIGX - vanguard international growth investors (Roth) VITSX - vanguard total stock market institutional (401k) Individual Stocks: primarily high growth tech and some large blue chips (brokerage) I have additional money that I am looking to invest and was wondering where should I go next: Roth: 1. Add a new fund - value fund (ex: VVIAX, vanguard value index admiral) this should help balance a lot of growth in my portfolio already. 2. Just continue to add to VIGAX/VWIGX. Brokerage: 1. Do some DD on some value fund stocks and purchase individually. 2. Add to winners in existing brokerage. Curious if anyone is in a similar boat. Just looking for some advice. I am trying to diversify without over thinking and diversifying just because. The total market fund helps but otherwise I dont want to get slammed completely if (or when really) growth takes a hit. Some assumptions: 1. 401k maxed so no changes there. 2. Will have more than 6k so will be a mix of a roth solution + brokerage.