VT

PlantainNecessary110

Source: 26 year old machine learning engineer My strategy is simply buying lots of AVGV with a 20 percent SCHD tilt in my Roth, and 50/50 VT/AVGE in my two taxable accounts for a business launch in 3 to 5 years and a retirement bridge in 20 years respectively.  My reasoning for this is I am a big Fama-French believer, and my intuition about AI is lining up. Big tech was/is up as people try and get a piece of the pie, but long term AI gains will be locked in as it is horizontally integrated across industries and small companies' margins jump. 

Cruian

To clarify: VT would replace VOO. If OP wants to keep VOO, VXUS is what you'd pair with it. Essentially VT = VOO + VXF + VXUS combined into one (and VOO + VXF can be combined into VTI)

lee_suggs

Nearly every active stock picker will underperform index funds over the long run. You can be up now in a bull market but it historically has been losing bets with few exceptions. For the general population a buy and hold index funds strategy will be the best for them long term. VT is the standard recommendation to get diversified international exposure. You'll see newer investors settle for SPY or VOO because of name recognition alone vs. any real strategy or intentional tilt. I'd much rather have a fund with a tech tilt than to not hold any exposure. If you avoided tech last year you missed out on one of the best performing asset classes available in the world.

rufio313

This guy is wrong they aren’t remotely the same thing, one tracks the s&p 500 and the other tracks the nasdaq 100 which both make up totally different types of companies, industry concentrations, expense ratios, etc. If I were you I’d try to consolidate everything into a long term, low volatility ETF (or two) that gives you exposure to the entire world economy. VTI + VXUS accomplishes this, or just do VT if you don’t want to have to balance the allocation yourself.

TreGet234

I'm just weighing if gold will outperform VT going forward or not.

E2Hundo

VTI + VXUS = VT. Just invest in VT, ignore stock picking and use the time to build a life you're happy to live in.

C-Dub4

Don't just invest into VOO, this is only US stocks, and you'll want international exposure through VT for a more diversified portfolio

C-Dub4

A 2070 Target Date retirement is going to be your best bet as a "set and forget" investment. At the 2070 date, its going to be at least 90% equities and won't begin to become more conservative for a couple decades I would recommend investing your personal Roth IRA into the 2070 Target date as well, but if you want a more "aggresive" approach, VT is the way to go

Cruian

I wouldn't use a single one of those funds. VOO comes closest, but I tend to prefer total market style over S&P 500 only. On including QQQ(M): Remember this has heavy overlap (over 80% by count) with the S&P 500 or US total market. Look only at the inclusion criteria, not past returns (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. On QQQ(M) and/or SCHD: * My take: https://www.reddit.com/r/Bogleheads/comments/16qosmi/including_qqqm_and_schd_in_a_portfolio/ * As Kashmir79 put it: https://www.reddit.com/r/Bogleheads/comments/16qo9u8/comment/k1ynubb/ * As engineer-investor put it: https://www.reddit.com/r/Bogleheads/comments/16qk8i4/comment/k1y480k/ * As Sea-Promotion8870 and ImaginationGreen3873 put it (read their comments from the entire chain): https://www.reddit.com/r/ETFs/comments/16e6rkb/comment/jzttlzx/ Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust volatility level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds should equal less volatility. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund. Did you happen to get your portfolio from YouTube?

bc_this_is_America

Money is just currently shifting into more value investments that haven't gotten overpriced like tech stocks. This is why diversity is key. My value and foreign ETFs have exploded as the SP500 has fattened out and growth stocks have fallen. This just means people are taking their profits and hedging against a falling dollar and an economy that is widely believed to be softer than the latest data would imply. It would probably be wise to take some of your Mag7 profits and place them into something more aligned with your risk profile. VOO, VT, VXUS, etc...

1-Dollar-Doge-Coins

That's fine. A bit redundant as VOO is already a heavy part of VT, but this works if you are just looking to weight the S&P500 more than what is in VT (which is perfectly valid).

dublaka

VT and VOO is all i got in my roth.. am I doing something right?

Detail4

Buddy I had a job at Applebees and burning case of chlamydia at 27. Now at 46 I have 4 houses and a couple million bucks in stocks. Of course it’s not too late. You’re probably going to be alive at 46. May as well try to not be a poor later. Anything you can save in broad based ETFs like VOO/VT to get a base, do it and never touch it.

1-Dollar-Doge-Coins

I don’t disagree at all, I’m all about VT. But it’s not like VOO is a terrible choice, it just may be sub-optimal in the long run.

TreGet234

Current port: 50% VT, 20% mu, 20% gold, 10% rope

TreGet234

Yes the great age of VT+gold as the optimal portfolio is among us.

mustachechap

The S&P500 is already extremely diversified, it is way more than just 7 companies. I'm all in on VT, but I also think VTI is still a very solid way to go and cherry picking YTD for 2026 doesn't really change that.

Whole-Reserve-4773

Young = no bonds. VT or VOO/VTI + VXUS as your base. Add in anything else you like or believe in. Invest in what you know. I know crypto, tech, software so that’s majority of my holdings. I don’t know oil so I don’t speculate on oil stocks.

zarth109x

VT: +2.3%

TreGet234

VT or Vxus and chill. Plus gold and hysa cash for a sudden crash.

SureAce_

I mean every fund is going to have a limit to how many companies are in it. I guess if you want no restraints then you could look into like VT which is has nearly 10,000 companies it's still dominated by the US very heavily. You'll actually come to realize that no matter what fund you choose, it's basically the top 100 companies hold all the globe. More or less a rhetorical question, really. That tells me you've already been through the financial crisis, the Covid crash, the dot com bubble, the whole entire lost decade, and after 25 years of investing on a switch, the very thing that's been working for you. It just kind of strikes me as if it isn't broke, then why fix it?

dissentmemo

I owned VT all last year and am glad.

Im__drunk_sorry

While I do agree nobody should be chasing all these gains after the fact, I also think there are some gains that can be obtained such as certain Latin American ETFs that have had some pretty great gains over the past year such as MSCI Brazil ETF which is up ~49% since 1 year ago. It's reasonable to invest in certain well-performing index funds as short-term investment (less than 3 years) based on current gains over the past year or so. Although, I do agree that people shouldn't be investing in these stocks with the e expectation they will have the same gains that we've seen over the last year as that isn't reasonable. More moderate gains are possible though. Also, I think MSCI Spain ETF is looking pretty decent as it's up ~61% since 1 year ago, and so short term investment doesn't seem like a bad choice. I do agree that VT is good for all very long-term financial plans though and is where people should invest if they want to be able to invest in something that is low-risk and has decent gains without any real need to look at it ever.

McWhiskey1824

Yes. Invest via a Roth IRA. VOO is great, VT another great option.

Ready_Scratch_1902

imagine selling everything and going full stack into VT and never looking at stocks again

1-Dollar-Doge-Coins

If only you timed it perfectly to sell US equities after a historic rip upwards, to then go and buy Latin America equities. This is why people say VT and chill. Don’t go chasing gains after the fact, hindsight is always 20/20.

DaddyShreds2

I think it's smart for anyone at any age to invest. Voo is the entire USA and is very diversified. We shouldn't go by history but the USA outperforms in the long term so do what you think. If you want the world go VT.

EasyEar0

None of the above. 1. By a global equity ETF like VT. 2. Wait 30+ years. 3. Win.

Emotional-Power-7242

All of these funds have obscenely high fees. Your "friend" is likely charging you an obscenely high management fee as well. He's doing a very good job of making himself rich, but a terrible job of make you rich. You will lose almost half of your growth just to fees if you stay with this guy. Run away fast. Self manage, put your money in a low fee global index fund such as VT, and don't sell till you retire.

RoverV

You don’t need to get into it to just start: 1 - Open a brokerage - you can search Reddit for what people recommend (people don’t like RH but the interface and 24hr acct fit what I do). 2 - Invest any money aside from living needs and emergency fund into a broad market. VT is the easiest works fine. Don’t chase past returns and keep it simple. 3 - You can stop there. Keep adding only what you can afford to see go down, never selling unless you need to, and let it compound over the years. 10% on top of 20% on top of 2% when adding along the way adds up. 4 - Observe price movements of different companies in different sectors and invest in companies/sectors if you’d like. If you know Econ, you should how money moves and why things go up or down. This adds risk and most people don’t beat the market.

Ancient-Swordfish292

Ah, so you're saying there is a positive expected return to high risk trades if the person has enough knowledge about stock picking? Personally, I only do low expense ratio broad index funds (mostly VT or equivalent) and inflation indexed bonds. I think I would lose money trying to pick stocks or engage in high risk leveraged trades.

Delicious_Put_5857

the thing is u arent being like "i dont know wtf im doing" or "i need to learn how to trade" ur just like "please \[worthless dogshit stocks\] bail me out" so you're ngmi. DCA VT and never do another active transaction again.

Ancient-Swordfish292

VT and chill, high savings rate, and megabackdoor Roth.

Ancient-Swordfish292

I'm doing VT and chill with a pretty big emergency fund in I bonds. Bonds have lower expected return. Volatility shouldn't be a big deal if you have a long time horizon and don't sell. From what I've read, keeping cash on the side to buy the dip often has a lower return than just staying invested.

Ancient-Swordfish292

Your friend should VT and chill.

seldom_seen8814

I’m mainly in VT, but I also hold EIS (Israel) simply because I believe in a lot of their tech and pharma innovation. It’s a very tiny portion of my portfolio though.

LeonardoS2

Buy VT and forget about single stocks

squid_game_456

VT

moutonbleu

VT. VOO and VTI is diversified but not enough, still a giant historical bet on US economy and USD as reserve currency. Times are changing, diversify

Putrid_Pollution3455

take 10 bucks and get two mickies 40oz to celebrate starting investing. Then here's an idea; take 33 dollars into each; IBIT, VT, and USFR. That's bitcoin spot price etf, global equities etf, and short term treasuries yielding around 4% right now. It all depends on what your risk tolerance is, but in general, if you only have 100 dollars, I'd start paying off debt and getting a 6 month emergency fund set up at a high yield savings account. Then take 15% every paycheck into retirement of some kind. If you're a true degenerate, you'll find weird ways to save 50% of your paycheck OR MORE and throw it into various assets. Godspeed

codywalterss

Thanks for reminding me that I need to quit options and start with some VT and chill bs before I become too much of a degenerate

Acceptable_Dirt69

VT

MomentPrestigious180

1-year performance SPY: 14.3% VT: 20.8% This is why my gf left me for a beaglehead.

MonzellRS

If you owned the market (VT or VTI & VXUS) when you had 56k a year ago today it would be 69k~ Something to think about

Sad_Humor9458

Congratulations! Now park it in VT or VOO and your 100k will be almost guaranteed. https://preview.redd.it/p3e6ru4z83jg1.png?width=862&format=png&auto=webp&s=bc0c178ec037a664b8c59413276bb109e645bc08

Senior_Professional4

Ive been telling people my whole life to invest in VT rather then VOO and finally I feel vindicated

deepserket

Just buy VT

baba_ganoush

That’s why I invest in VT

Wings2493

Optimism? Any small or mid cap has been getting crushed and even extending to companies like Microsoft. SCHD is 10x VT lately

TreGet234

VT and chill now.

simoschv

put the money on VT etf and forget it for a while

subparsavior90

Shit, 20m just VT50/50BNDW and collect the distributions, you'll be comfy until ya croak. More living, less stressing.

AceMaxAceMax

I would suggest buying $20 of VT (or VTWAX, if you want automation) weekly. You get domestic US and international exposure in one fund.

Helpful-Staff9562

VT and chill

LEAPStoTheTITS

I reccomend you make an account with Robinhood and buy $20 of VT every week if you can or month.

negetivex

Better be putting most of that on VT, like you can gamble some of it but please don’t risk it all again

b00t99

VT and chill - might want to wait for the upcoming SPY crash though

Noderly

I dislike bonds, particularly at your age. Go 100% VOO/VXUS or 100% VT and keep it simple

elgrandorado

Yeah index funds really are the way to go. I'm down like 7.5% this year in my personal investment portfolio, but my total portfolio including retirement is down only 2-3%. My emerging markets & VT holdings outperformed my S&P 500 holdings last year as well. I'm also taking advantage of full company match. We love to stock pick and find opportunities on the sub, but my largest holding (GOOG) only makes up 10% of my full investment plan, and that's because it doubled in value. It ended up being only 5% of my total portfolio inclusive of retirement in cost basis.

ToolTime2121

HOOD, ASTS, KRKNF, UURAF, PL, TE, ONDS, ETHA Also VT until 2100

Past_Paint_225

Sir, this is r/investing. Go peddle this stuff in WSB, I'll brb buying some VT

oldbeancam

Might genuinely become a VT & chill Andy and just never look at my port again

StophJS

Feels good let me tell ya. Actually buy VT

Neat-Voice2456

Well a big part of the value is in asset management. You may “know” that VT is a good portfolio for you but many people don’t “know” that. Aside from that, managing cash flow (4% rule is very flawed), estate planning (do you need trusts, ideal account types, etc.). Managing retirement account distributions. How much cash should you have? What are the most tax efficient ways to actually distribute cash? What’s the most tax efficient way to donate to charity? None of this is rocket science, but it’s also not as easy as “VT and chill”.

Retropixl

The underlying health of the market is in the toilet. When you have precious metals like silver dropping 30% in 1 day it’s not a great sign. If you really think this 1 jobs report is what makes SPY go to 750 then you’re just looking for any hopium. Also you can just invest in VT for the next 40 years and retire very comfortably.

helpwithsong2024

1. Just do VT and let the market guide you 3. Personally I'm about 75% VOO and 25% VXUS.

3VRMS

VT and chill too

blorg

I would take the same strategy. If you are diversified globally, you are diversified out of the US dollar. Both VT and the Vanguard Target Date funds are diversified globally. This means ~40% of their equity holdings are of non-US companies. If the dollar drops, the value of these companies denominated in dollars tends to rise. For that matter, when the dollar drops, the value of US companies also tends to rise as (1) they have substantial foreign earnings and (2) with a depreciating currency people will be looking to invest it in equities. At the same time, I would not bet *against* the US. The dollar has already weakened a lot, but it's still well within its long-term historic range. It could drop further, it might not. But if you are holding a big chunk of equities, that inherently insulates you against a drop in the dollar.

BlindTreeFrog

OK, you have $3mil. I'd first point out that the advisor would read the fine print and explain to you that the $30K/yr was paying for their services and you'd still be paying the 0.06% administrative fees that VT charges for any money left invested in VT (or any fees related to selected investments would not be part of that $30K/yr). Snark aside.... Depends on your situation. Are you looking at estate planning and want to package your investments for your future beneficiaries in a way that leaving it in VT may not do? Do you want to take a portion of your investments and focus it in certain industries? It's not a question of "will they get me more returns than i'm seeing now", it's a question of "will they better let me use my money and/or time that I am interested in or capable of doing on my own". I could 100% set up my own trust and manage that, but I have no interest in doing that and I have better things to do with my time. If you don't have things you'd rather be doing and are fine handling your investment, then god speed and you don't need a wealth management service. The job isn't always to maximize gains.

flyinsdog

The Fidelity thing seems to have a fee of anywhere from 0.2-1.2%. Will I see benefits over the .06% I pay for VT? That's a potential difference between $30,000+ a year using Fidelity services or $1800 a year holding VT. A new Toyota every year!

flyinsdog

I have 2 holdings in my Fidelity account. 1/3 is 2 month T bills that I auto roll and 2/3rds is VT where I reinvest dividends. I do have a few other holdings (SCHG, SCHD, SCHY) in my IRA but that’s mostly VT as well. Am I missing out on anything? Not sure as the bogleheads and fire forums seem to promote this kind of investing.

bc_this_is_America

Add to it the (not so) low-key devaluing of the dollar. Best bet might be to just keep investing in VT, VOO, or VTI. I've added quite a bit of VXUS and VEA (to overweight developed markets) in order to bump my international exposure to around 40%.

lana_rotarofrep

Just do VT you retard

Maleficent_While2653

Seriously thinking of getting out of VT and into IXUS or VXUS. Already have a gold/silver position to protect my portfolio against the US.

flyinsdog

What makes sense about having a wealth manager at those levels (1-10 million)? I’m really curious as someone just holding VT at Fidelity. What am I missing out on?

bigfern91

You can throw VT and EEM in therr

Neat-Voice2456

Yes, wealth management services start making sense ~$500k liquid. Most clients at my firm are $1-$10M with the median around $2M. Peak is ~$30M. We have some $100k-$200k clients but they’re mostly older client’s kids. If you’re a smart 30 year old with $100k in assets? Yes VT and chill is great. But it’s a lot more complicated as you get wealthier, older, and don’t have earned income.

Neat-Voice2456

I don’t think you understand the wealth management industry at all. I see this a lot, I even saw a comment on reddit say to “avoid those 2/20 guys”. Most modern advisors have clients in broad diversified ETFs. 60% S&P 30% INTL+EM 10% small caps (for equities). I don’t know any advisors who are really picking stocks like a hedge fund manager. It’s not to say a single stock never winds up in a client’s account, but this idea that the typical advisor is some shmuck who’s claiming he can beat the market with his 20 stock portfolio isn’t accurate. It is asset management, yes. But it’s also managing cash flow, estate planning, charitable giving, there’s a lot more to it than just “VT and chill” for a small business owner with variable income who wants to move, retire in three years, buy a house, pay for his daughter’s college, and make sure his brother doesn’t get a cent when he dies.

Acrobatic-Song-3151

Agree on the above, but I’d hedge against myself and put 1/2 in VT now and then dca 1k to it weekly. If you get a dip be way more aggressive. 

Flayum

You’re asking two questions:  1. How much should I keep for an emergency fund (obviously an absolute number that’s realtive to your expenses). 2. How much should I keep on the sidelines in case of a crash to ‘buy the dip’.  For #1, I keep 12mo of expenses in BOXX because my HHI comes from very unstable revenue streams and I’m in high brackets. For #2, that entirely depends on your philosphy and, critically, your time horizon.  If long-term, I think most would argue that you should always be invested (no cash) unless you have a very strong driving thesis that you could defend (eg. Buffet and BH’s current cash hoard). *How* you distribute those investments might be the more interesting question: Portion in cash-like entities (eg bonds)? Highly diversified portfolio so you can harvest winners and buy-the-dip in losers? Or just be a Boglehead and always be invested in the total market. I don’t really know the answer, so curious to see what others think. Personally, I’m just a VT and chill kind of guy.

Condog5

Invest in a EFT and you don't have to think mate VOO / VT / VTI something like that. If youre trying to battle single stock youre more likely to lose a lot of money, unless youre a genius or very lucky.

Justicar12

Buying more VT, MSFT, and RDDT.

Silver-Minute-3907

I get the “vibes” approach 😄. For 5–10 years, single-country ETFs can work if you really believe in long-term growth trends. Honestly, I treat these as the “fun slice” of my portfolio—VT/VXUS/VWO stay as the backbone. Curious, what drew you to EWY at first?

Cruian

Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust volatility level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds should equal less volatility. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund. (VOO could be used as a substitute for the US stock market role of you wanted to skip smaller caps) VOOG is fully included inside of VOO and focuses on the "growth" side of the style box (growth factor focused). Be careful, "growth" may not mean what you'd think it would in this case - the companies in it are already priced for lots of growth (compared to the rest of VOO). For what longer term history has shown about growth vs the test of the market, see: Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/

bobdevnul

\>I feel like I shouldn’t only do the IRA That is probably correct. Save and invest for the goals of your life. The first priority is an emergency fund in low risk, liquid savings of enough to cover several months of loss of income or other unplanned expenses. This belongs in a HYSA, money market fund, or short term bond fund. This is more personal insurance than an investment. The next priority is investing enough for a comfortable retirement. A guideline for that is 15%-25% of gross (before taxes) income. The annual IRA contribution limit of $7,500 is 15% of a $50K income. If you make more than that you need to invest more for retirement. If your employment has 401K type retirement accounts with some employer matching it is best to contribute enough to that to get the free money employer match before contributing to a Roth IRA, then contribute any more that is appropriate to the Roth IRA. Employer matches count toward the percent of gross income. Jobs with pensions require additional calculation of how much is needed to invest for retirement. After those save and invest what you can for other life goals - car, home down payment, marriage, children, vacation, entertainment, etc. - whatever applies to you. VOO historically has been a good long term investment. Some people prefer more diversification beyond the top 500 US companies and including companies outside of the US. An example of that would be 70%:30% VTI:VXUS or VT which is basically that combination.

MrCoolGuy42

Yep, I went with VT

QuiteAffable

Honestly, I know this is WSB, but you should consider talking to someone about a gambling addiction. I recommend you go 100% vanilla TDF or VT, you shouldn’t be making investment decisions until you get the gambling sorted out.

dissentmemo

100% VT

BlueWaffle135

Thank you! I'm always unsure of how to allocate my investments. I see some people advocate for 100% VOO, while others are like 70% VOO, 10% GLD, and 20% VXUS, or others do VT. Especially if you are in your mid-late 30s, how would you suggest allocating your portfolio?

undeadlol

Voo or VT and chill, just need to be patient.

SubterraneanAlien

So buy something like $VT? No one is forcing you to concentrate your investment holdings.

Detailed23

Toss it all in VT and keep adding is safe and smart. 0DTE is wild and reckless. I choose 0DTE

1-Dollar-Doge-Coins

How can you be overexposed to a very broad, diversified index? If you want to go broader, go VT.

Key_Lifeguard_8659

I have a good portfolio template for ya. For starters, unless you know a great deal about investing, keep it simple and invest in ETFs only. Each ETF (Exchange Traded Fund) is like a basket of stocks. Some contain hundreds, or even thousands of stocks in a single ETF. You want ur portfolio to have a main ETF, which most refer to as their core position. I like to pick one of the ETFs known for its stability and ability to grow. Vanguard has a few you could consider but I'll save you I time and suggest VTI. VTI will become your core position and I recommend 50% of your money go to it. Next, you want to add a little diversification and I suggest VXUS at 20%, I would be doing you a disservice if I didn't recommend a very popular ETF that's been a growth engine for my portfolio and it's got the ticker AVDV...Also at 20%. You now have 10% to put on something spicy and I would suggest the SOXQ ETF. It's riskier, but provides more reward and has a reputation for beating the S&P 500 benchmark... no easy task. Just expect it may be more volatile than the others. My last piece of advice is " don't panic." Hold the course and keep adding as much as you can you can to keep these positions at these percentages. If after 6 months to a year, you've learned enough and want to change something, go for it. But this template is good for the times we're living in. Others would have you invest only in VT...Which basically contains every US company and a chunk of international companies to boot...But I think you can do better with that template.

blorg

If you are retired or retiring soon, and you may want some of the money for yourself, look at a target date fund. From Vanguard, you could pick between 2025 (already retired) or 2030. The idea is you pick the year you are going to start withdrawing from it, and it handles the asset allocation between equities and bonds, increasing the latter for stability into retirement. Bonds are lower return but lower volatility, and can smooth out returns from equities. https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds If you don't need the money and it's purely to provide for your kids, I'd put it all in VT and just leave it alone. VT is diversified globally, the US has done a lot better over the last 15 years but US stocks are very expensive now and that could reverse. Hence why I'd pick VT. It's still ~62% US, so it's not a bet *against* the US, you just have international as well, so whatever happens, you get the market return. Key if you do this is consider the money gone and just leave it, do not look at it, do not sell it, consider it gone and your kids will get whatever's in there at the time. If you are going to be freaked out by a 50% drop, don't do this. Do the target date retirement fund. If you think you do need a bit of it now for yourself, target date fund, and it will still grow to have something for your kids for what you don't take out of it.

catsuramen

1. Pay off your debt 2. Throw the rest of money into VT 3. Forget about being the Section 8 landlord

guachi01

I'd just put the money in VTI or VT and call it a day if you aren't close to retirement. My current allotment: 66.5% VTI (all US stocks) 3.6% SCHD (mostly mid and large cap dividend stocks) 1.2% VXUS (ex-US stocks) 1.0% First Interstate Bank (I used to work there years ago) 0.3% DGRO (Dividend growth) 20.7% corporate bond funds (high yield that are averaging about 6.5% return) 5.6% 19-year US Treasuries (I bought them last year when they were 20-year Treasuries) 0.4% 0-3 month Treasuries 0.4% cash

Low_Selection2815

I don't go looking for leverage, so I would pay off my debt and put the rest in equities or assets (gold). Mostly VT, then buy gold when its cheap. Don't underestimate compounding power. You're young with a ton of money; let your stocks do the compounding, not your debt. Equities are also way more liquid than real estate, so immediate cash is never a concern. Of course, it's your life and you seem determined about your investment strategy. I wish you luck.

Shot-Arugula8264

VT, not VOO. But yes.

Condog5

Put it all in VT and forget about it