VT

EpicDOgeMC

2018 to 2025 was a very unique situation, unlikely to happen again. Gold has no intrinsic value. It is a commodity, and produces no cash flows. Buying VT instead of gold, or moving 100% of your gold to VT, will almost certainly do better long term.

brown-ale

Risk vs Reward. Single stocks can be great but a reminder that there's no crying in the casino. ETFs like VOO, VTI or even VT should be your foundation (say 50-90% of your portfolio, depending on your situation)

Flayum

He should really just VT and chill.

Flayum

>  you need to pick individual stocks and that ETFs won’t get you there lol, this is also a way to become “seriously poor” and put yourself on the meme sub. You have a business, focus on that and upskilling yourself.  You shouldn’t be thinking about your investments. Put your excess cash into the best tax-advantaged vehicles you have available to you and just throw it into VT or VTI (if you don’t want international exposure for some reason).

dogs_gt_cats

It is, though I hate that the underlying index changed its rules just to let SpaceX in. I am long VTI/VXUS for myself (I like the foreign tax credit), and hold a long position in VT for my child.

lightlylevered

VT is pretty globally diversified.

JohnnyIsSoAlive

The size of your problem is very manageable. You’ve lost some of your money, but you’re not in debt. The money that you’ve lost seems like a huge mountain relative to your current income, but in the big scheme of things, it’s not that much. The money is gone. Accept it. Don’t try to gamble to get it back. If you save a good chunk of your income from each paycheck, systematically invest it in a broad index ETF like VT and just keep doing it until You get close to retirement, you’ll be fine.

dissentmemo

You don't need an app. Buy and hold low cost broad index funds like VT and keep doing that.

drew-gen-x

I'm more concerned that the Nikkei is down -4%. The KOSPI is 50% 2 stocks, Samsung & SK. Regardless this is why I am 90% invested in World indices/ETF's over individual stocks. I don't think this stock market bubble will ever pop. The stock names will change thou. Currencies have become so worthless that the bubbles must continue. You have countries now that have their entire future economies tied to infrastructure investments & growth. SK hynix & Samsung are no diff to SK than Google, Microsoft, META, & Amazon are to USA economy. I realize I'm likely in the wrong reddit group. Buy the entire world ($VT) & not ind stocks & you'll be ok. Hedge w/ 10% gold. That $20 that was redeemable for 1 oz of gold in 1934 & 1 share of the DOW Jones for $42 is worthless in 2026 comparatively now. And that was less than 100 years ago or 3 generations. The stock names will change but the trend will not.

ceilidhfling

I know this is antithetical here, but have you considered taking 2x your contributions and throwing it in VT and then continuing to play with the other 90k?

dogs_gt_cats

VT. That's it. I personally would avoid anything dividend related for a child. And I'm saying that as someone who actually likes dividends. This is the wrong place for it. Just focus on growth. The child won't need income for years and years, so all you're doing is creating tax drag for no real gain.

h33b

I just buy VT and don't worry too much about things.

Maleficent_While2653

Where are you getting these numbers from? [https://totalrealreturns.com/n/VOO,VT?start=2021-07-26](https://totalrealreturns.com/n/VOO,VT?start=2021-07-26) BTC has returned 62.59% over the last 5 years. Nobody said it has to have infinite returns. But given the risk investing in BTC, you should expect higher returns than a basic index fund. Otherwise what is the point?

therealsilentjohn

> returns on BTC are rapidly diminishing Nobody ever said it would be infinite returns. That is silly. That is a silly argument. With *any* asset, the most outsized gains will be when it is a new asset. Bitcoin's mcap is $1.303 Trillion ... it's not going to move like a small cap asset anymore, > to the point where it's 5 year return is now lower than both VOO and VT |Asset|5-Year Total Return|5-Year Annualized Return (CAGR)|Data Source Date| :--|:--|:--|:--| |**Bitcoin (BTC)**|**~146%** (Estimated)|**~19.7%**|July 2026 (Derived)| |**VOO** (S&P 500)|**+46.75%**|**+7.97%**|July 23, 2026| |**VT** (Total World)|**+32.94%**|**+5.86%**|July 23, 2026 ---

Maleficent_While2653

Or just buy VT

Patrick_Atsushi

If thing goes good they won’t thank you much, but if thing goes south you are the one to blame. the only thing sounds safer is VT or SPY.

zxc123zxc123

I always get confused why everyone suddenly treats it like a game where the S&P500 as the bar. If that's the case folks should just do the following: 1. VOO + 10% margin 2. 90% VOO + 10% SSO 3. 90% VOO + 10% QQQ 4. 90% VOO + 10% 1 stock that outperforms it 5. 90% VOO + 10% VOO LEAPs 6. VOO with you running CC 0% APR promo arbitrage 7. 90% VOO + 10% ES futures 8. 100% VOO + selling far OTM puts 9. 100% VOO + selling far OTM calls 10. Any combinations of the above. Then you'll ALWAYS beat the S&P500, but let's not fucking dick ride an index or VOO like it's the end all be all of investment. If anything, you're just running over weighting US in a period where the US has seen heavy out performance. Treating VOO like some holy grail over VT is no better than those guys treating QQQ has a some holy grail over VOO. Let's all just delete our accounts, turn off our brains, and 100% auto invest everything into VOO! /s

Riotroom

90% set up a passive 60/40 us/global like $VT. Do whatever you want with the remainder 10% full port gold or tech or throw it in trash or ball out in Vegas no ragrets

Saths69

Lol. Let's hope green tomorrow, I'm into VT and chill gains

ComfortablyNumb8357

Never been an investor in physical assets myself. Just a simple VT guy. Is there a benefit to physical gold vs just buying a gold ETF? Seems the latter would be much more liquid.

GarageEven5240

If you take the position that Disney has unique and universally appealing IP, and you also take the view that technological progress causes disposable incomes to increase globally over time, then the growth story is that as people around the world get wealthier, they'll buy more Disney products. Of course that's also basically the argument for VT, with way less concentration risk.

HotFoxedbuns

Bro, calm down and just VT and chill

IntelligentKey6929

Your grandfather should be in very conservative products. You, however, should get in the market ASAP. Just buy something like VOO or VT and let it ride for 40 years.

alteraltissimo

Same, VT and chill with occasional satellite tech position when I feel something is oversold (e.g. GOOGL last year). Come to shitpost and enjoy the gain/loss porn.

arcanition

That would be the safest, but to be honest putting it into a very broad low-cost index fund (even a worldwide one like VT) would also be a good idea.

Actuary_7894

Since all of them have been in the market: HEQT has increased 49.5% UJUL has increased 47.8% UJAN has increased 44.2% Meanwhile, VT has increased 57.7% and SPY has increased 71.3% (https://stockanalysis.com/stocks/compare/heqt-vs-ujan-vs-ujul-vs-vt-vs-spy/?r=MAX, including dividends, since Nov 2021). In general these funds are just too complicated and hurt your upside too much. Assuming you have a decently long time horizon, you're significantly better off investing in the indices themselves. If you need the money in the next 5 or 10 years, you're probably better off using some sort of bonds to get guaranteed returns.

Glass_Performer1174

VT and chill The market is all knowing so stop trying to beat it. Just invest in the global total market and rest easy knowing the index with auto-allocate you to the best ratio possible over the long run.

Aggressive-Donkey-10

find a fiduciary fee only financial advisor for him if he refuses, then tell him 75% BND and 25% VT, and he will be fine, or to be extra safe just 6 month bank Cds at 4.5% and keep rolling them.

nicolas_06

I think that the best long term position are neutral and the more in the future the more neutral it should be Basically for stock it's a world stock market like VT. You could push to have more diversification like maybe an equal weigh sector fund or something. But going on purpose to over weight a sector like tech is a bet. And the more far in the future the more that bet is likely to be non longer valid because conditions would have changed in way nobody can predict today. I would say your core should be VT or an equivalent meaning being diversified everywhere. Then you can have a small part of your portfolio on a specific bet. If you want to make bet, do it on something like 10 or 20% of your investments and keep the rest standard. So be sure to have US and International stocks from every countries and to have from every sectors. Then maybe make your bet on a small part.

harrison_wintergreen

>a 60% VTI, 20% VEU, and 20% QQQM portfolio. that's actually 80% VTI and 20% VEU. QQQM is just a sub-set of VTI. VTI is practically the entire US market, and QQQm is the top 100 non-financial stocks that list on the Nasdaq exchange. holding both VTI and QQQ means you're doubling up on some of the largest US companies. doubling up increases your risk because VTI and QQQM are likely to crash at the same time for the same reasons. it's not outrageously terrible, but be aware of the risk potential. > I am looking for high growth with as little risk as possible pick one or the other. the higher the growth potential, the higher the possible risk. >1) in a taxable UTMA account, would it be better to just consolidate the QQQM future purchases to VTI? probably. I would recommend something more like VT which covers the entire global stock market. or perhaps AOA which has about 50% US stocks, 30% international stocks and 20% bonds. the bonds will tend to act as a "shock absorber" in the event of a crash and minimize losses. >if the VTI is likely to perform better, VTI has performed better than VEA over the *past* 10-15 years, but that doesn't necessarily say anything about the *next* 10-15 years. at current valuations, it would not be a surprise if VEA performed better than VTI over the next 10-15 years.

luckysharms93

Bro what. At least take 500k into VT so you have a huge amount to fall back on

Gimme_All_The_Foods

Put it all in VT or VTI and VXUS and assess later. Don't continue being an idiot.

Upper-Olive4639

The best part of this is that you still don't have it sitting in VT, BND, or your money market fund. You beat the house and you still can't help yourself lol. Despite the tone of this post, you will undoubtedly lose it all back like you did before.

Azylim

Well, now you know better. as others said. liquidate your positions, get out of your stupid 2 stock positions, pay your bad debts, and put everything into SPY/VOO/VTI/VT. earn 8% annually on that million and reinvest it back. I wouldnt quit your job just yet but you can certainly work less hard now, as long as you quit your gambling addiction

SirGlass

You own all the stock inside voo . I also never got the logic to switch later? Return is return. To be clear I am not advocating growth I just do broad index funds like voo or VTI or VT that contains everything, growth and value.

malignantz

$1.2M $VT and do whatever you want with the rest, but try not to go Wendy's broke in the next 10 years. By 2036, you'll have your fortress of fucking solitude. Go to SE Asia and live a life the lords and royals of old couldn't possibly dream of with no chance of ever running out of money. Or be a reasonable adult, get/keep a job and take off after like 5-7 years. Having 1.5M vs 3M means only a small drop in happiness. Zero vs 1.5M is a massive drop in happiness. The asymmetric risk profile makes it an unattractive bet. Exit the casino. You're fkn done

PurpleCableNetworker

Take that at put it into VOO and VXUS! Or VT.

Flayum

No worries. Taxable account like a regular brokerage, not a retirement account. So first, VT is thought to be better than VTI+VXUS because it auto-balances the US (VTI) and Non-US (VXUS) proportion. So more efficient/easier for the investor. BUT: VXUS and VT both have dividends. The foreign parts of these (all of VXUS and 65ish of VT) are taxed by other governments. The IRS gives you a tax credit to make up for this in VXUS, but not VT. So in a taxable account, it's better to have VXUS (+VTI) instead of just VT. In a retirement account (including an IRA), the IRS doesn't care what happens inside and doesn't tax those distributions so there's no credit to give. BUT you already paid taxes to those foreign governments (before you even got the dividend). So you might as well use the simplier single fund: VT.

deebo_dasmybikepunk

Over the last 2 years VT and VTI are the same

GMVexst

"*Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO.*"

GMVexst

No. You are confusing safer with better. They are different. And while diversification is considered a good thing, over diversification is real and there is diminishing returns after a certain point. Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO. At the same time - the S&P 500 has performed significantly better than Total World over the last 30 years. And sure that could change any day, however it's quite ignorant to assume more diversification is always better when VOO is already diversified and also statistically much better.

banevaderplus6000

Do not listen to anyone telling you not to help your grandfather, it is better for you to learn and for him to trust you. You will both sleep better at night because of it. The following advice is going to be almost exactly what a financial advisor will tell him. Tell him at his age he should have about half of his cash in bonds and half in an all world ETF if he wants to be average . Personally I would do VT and BNDW ETFs, some will tell you BND over BNDW but I like to invest globally even in bonds. If you really do not want any risk to lose any money, at the very least get the money into a money market fund on a brokerage account, or in a high yield savings account. $10,000 earning 3.5% annual is an extra $30 a month in interest and the rates will vary depending on inflation so you will not have to worry about value erosion. And that literally it. that is investing in a nutshell if you don't want to actually learn how to invest. Just broad, global ETFs. The ONLY rule is do not sell your investments unless you need the money for good or services. If the market crashes, do not sell unless necessary. if the market rallys, do not sell unless necessary. sideways for 100 years? do not sell unless necessary.

PartialDischage

VT is the equivalent of holding 60% VTI and 40% VXUS. If you have any international and small caps in your portfolio you probably aren't that much different than VT.

Whole-Reserve-4773

I hold index funds . Just not VT

GaylrdFocker

VT and chill. Stop overthinking things.

UpDown

Absolutely the answer is VT and anyone saying something else just doesn’t know what VT is

edoceo

Check out the sub called Personal Finance. They will tell you the steps are basically: staring with HYSA -- High Yield Savings for the close-to-you-liquid-assets. And then pick your favourite broker and purchase some VOO, VT, VTI which are vanguard index funds. Stuff your money and your grandfathers money in there and then let it mature.

drew-gen-x

If you look at $VTI, ($SPY), $VXUS, $VT, and the $QQQ charts, the Nasdaq is the only index close to falling below prior support levels. If I was a bigger gambler I would buy $QQQ, but I'd rather take my shot buying $SOXX at $498 if it retest support. I did buy $VXUS yesterday at near the same price as it is now so I guess I did take 1 shot at a bounce into close today.

Flayum

Buddy, just create an emergency fund of SGOV with 6mo expenses, then invest the rest in VT. Spread your risk across the world. Unless you're planning on using that money for something, then consider it problem solved.

Informal-Lime6396

VOO: https://investor.vanguard.com/investment-products/etfs/profile/voo#portfolio-composition, check out the holdings and exposure diagram QQQM: https://www.invesco.com/us/en/financial-products/etfs/invesco-nasdaq-100-etf.html#Portfolio, see the holdings Buying these 2 are a good idea. Use https://testfol.io/ to back test what you would've gotten in the past 10-20 years to get a rough idea what the future ***can*** look like. Here are some other tickers worth looking at: * VGT * SOXX (or SMH) * VXUS * VT * VOOG

drew-gen-x

And yet $VTI, $VT, and $VXUS are all down less than a quarter percent today. Cash holders are still winning. /sarc

Flayum

Buddy, just create an emergency fund of SGOV with 6mo expenses, then invest the rest in VT. Spread your risk across the world. Unless you're planning on using that money for something, then consider it p roblem solved.

SoundOff2222

Maybe SGOV + VT, after the Emergency Fund has been established.

SoundOff2222

Maybe 70% BND + 30% VT? Something along those lines

psychohistorian8

I use VT for the built-in international allocation some people like VTI/VXUS so they can control the specific spread for international

Buck169

What are his expectations? Realistically, in late 60s you're not going to be "in a better position" soon, or by many dollars, unless you A. take a big risk on something speculative and B. get REALLY lucky and actually make a big score. Most likely, this is a recipe for losing it all. Less risky investing (i.e. buy and hold diverse stock funds) is a game of decades to see really significant returns. If \*you\* have any spare money at all, if you start now, you'll probably be very happy that you did so in 30 years. For someone who's already late 60s, it's not so certain. If he wants to be safe, just put the money in a MMF and at least stave off most of inflation. If he wants to gamble a bit, you can start in MMF and do something like every two or three months, take 5% of the total and invest it 50/50 in BND and either VT or VOO. Continue until 2/3 of the money is in those funds, then stop changing anything. If he wants to gamble somewhat more, put 1/3 in each an MMF, BND and VT or VOO tomorrow and get ready to be pleased or horrified, depending...

Delicious_Put_5857

withdraw % of PNL at end of month and put into VT only account :rich: :smoking:

Various_Couple_764

Ignore the news are comments. Focus on your goals. For a retirment fund a growth index funds is good like VT, VTI , VOO, or QQM are good. For a taxable brokerage you can also use growth index funds, Or you can in a good dividend fund Like EMO 8% yield, UTF 7% UTG 6.4% or government bond Any one of the funds above safe good choices to get you started And just buy it and gradually add more money. The key is to just get started with something safe and simple. Don't follow any advice on reddit, Just see it as a place to learn by seeing what other people are doing and what funds they are doing. And then do your own research by reading the fund prospectus and other documents. Most funds have websites were that information is posted.

InvestingNerd2020

If you don't know, ETF "VT" is the way to go. It is the ultimate "I don't know what I am doing, so I am picking them all" ETF. It also has very low volitility for a moderate growth fund.

ClueProctor211187

VT, set to auto investing of some sort and live your life.

Sufficient-Flan1565

he is late 60s so go with 40% VT and 60% BNDW. Dividends reinvested with quarterly rebalancing

Flayum

Yeah, I guess my thought is OP is overthinking and second-guessing. The most reassuring thing feels like it should be to just "own the world" with VT.

jk147

How many years? Anything more than 5 to 10 is VTI or VT area. Now this doesn’t mean you can’t invest in riskier things like AI, etc. You can just allocate a smaller percentage as playground, etc.

__redruM

Because OP is already overthinking every decision. VOO and VTI are almost the same fund with slight performance differences. VT adds international, so it’s also a good choice.

owenmills04

VT is flat Yes, my small caps are getting hit again but I'm just looking to potentially get some discounts. Although not sure I want to pull the trigger yet

Bowl-Accomplished

Sure, I'd go VT myself but something like 60% of VT is VOO so right away you have about a 60% correlation.

MoreLogicPls

that's just adding uncompensated risk by going US stocks only would definitely add at least some VXUS to add non-US stocks or just VT and call it a day

Flayum

Why not VTI or VT?

MarkySparky666

Your 3.56% is actually 0.56% after inflation. I would just deploy 80% of it in VT and 20% in BNDW. Then if your prophecy comes true, use the 20% BNDW as dry powder. This short term "Crash" your waiting on could be years away... Nobody has a crystal ball, not even Micheal Burry or Robert Kiyosaki.

Dangerous-Mobile-587

Just go into a reliable index fund like Voo or VT. And invest into them for now. Keep or not keep your lunr position. But for now you need to diversify if shocks like this hurt.

brianxhopkins

For the average person, this is spot on. I would like to add: 1) when investing into the roth, for the love of god don't let the money sit in the money market account. That's why OP said put it in VT. Money market account is pretty fancy way for saying HYSA, so make sure to move it to an index fund (VTI/VT/VOO/etc). 2) if you're young enough, check what your 401k money is going to. Usually they set it up automatically to deposit into a lifecycle fund depending on when your projected retirement date is. I would look into the breakdown of that lifecycle fund and maybe consider switching to a stock fund that tracks the S+P. At a young age, you don't really need the diversification (bonds) yet.

Affectionate_Run3921

Just buy VTI or VOO, or VT if you want some international. Buy what you can afford to whenever you can afford to. Always buy and never sell. Keep it a simple passive activity.

drew-gen-x

You are 16, spend your money chasing after girls and have fun. When you get your 1st full time job that is when you should open a 401k especially if your employer offers a company match. Max the amount your company will match in a simple S&P 500 index fund or even better world plus US fund if it is available. But you have the rest of your life to worry about money, work, family, and paying bills. Don't rush to grow up. Time is the most valuable commodity in the world. I would recommend having fun and chasing after the girls that catch your eye. If you have extra cash and you are determined to start investing now then just open a Robinhood account and buy 1 share of $VT when you have the extra cash as long as you are still spending some money having fun. Good Luck.

drew-gen-x

If you really believe it's gonna get worse, the 2 stocks you should look at are $CASY and $MUSA. These 2 gas station chains benefit from the gasoline & diesel crack spreads b/c they are free to buy gasoline & diesel from anyone that offers the lowest price that day/week. These 2 aren't affiliated w/ 1 particular big oil/ gasoline refiner like nearly every other truck stop or convenience store chain. I still think you should just BTD in $VT and $VXUS and chill thou. March 2026 didn't end the way you predicted. And even if it does get worse, eventually all the world CB's will just turn on their money printers on to go Brrrrrrrrrrrrr and cash is the last place you wanna have a large position in.

MalkinPi

VT No one knows the future so buy the haystack.

drew-gen-x

The last time (March 2026) everyone was freaking out about the crude oil rig tanker zombie apocalypse, I just BTD on $VXUS, $VT, $GLD, and $EWJ when they hit support levels. The world will figure out how to solve this cluster f\*ck b/c there's too much money at stake and everyone will lose if a resolution to the crude oil rig tanker zombie apocalypse doesn't appear. Find what you want to own and then look at the charts. I will use $VXUS as an example b/c its my largest position and it's usually pretty boring. The 100 DMA is $82.51 so I bought 100 shares Friday morning when we came close to retesting that level. If we fall thru that support level then the next level of support is $79.56. I will buy another 100 shares if we retest that level. If that doesn't hold then the next level of support is the previous crude oil rig tanker zombie apocalypse low of $74.53 on March 31st. I will buy another 100 shares if we reach that price. There are no guarantees in life; and no one knows when a top or bottom will occur or if we start rallying. But the idea is to ALWAYS have a plan. You need a plan in case stocks rally. You also need a plan in case stocks crash. Good Luck.

InfoNazi

If youre that certain you want to invest. Dont pick stocks and just buy VT and chill.

GaussInTheHouse

100% VT

jocona

Entirely depends on tax rates at time of conversion and time of retirement, which aren’t knowable. However, the tax drag over 65 years is non-trivial. The drag from VT, as an example, would eat over $100k even though it’s only 0.06%. Assuming that you can efficiently manage the conversion from traditional to Roth, the 530a comes out on top. You could do that by converting in low income years, which would have a relatively low penalty in early years since ~half of the account would still be post-tax basis at that point. Again, that depends on how tax rates change over the next half century.

ComfortablyNumb8357

You gave it a chance to change course. It didn't. I'd use it as an opportunity for tax loss harvesting and buy some VT.

flappysack-

If you bought memory stocks you don't understand anything, you should buy VT and not look at it until you're near retirement.

Valvador

Yeah all of these doom and gloom posts confuse me. VT is still so fucking high, it's insane.

Valvador

Wait, I don't get it? We're still basically at ATH with VT. What was so hard for retail?

RiffBeastx

TLDR but yeah VT and chill

zachalicious

VT for broadest market. IDNA if you think gene therapy is the next frontier of medicine.

thorn960

My preference is for VT if you are going to pick one. SP500 indexes are tech heavy and have no international exposure.

Bronislaw_Malinowski

Yes you are right. UK and Japan can make a serious comeback. In fact, even Asian economies are doing well. I would just try to bet my money on the fact that Nasdaq is an index of 100 US Tech giants and somehow all the companies will never get perished. I am open to expanding to Asian companies that would do well from time to time but investing in ETFs like VT, is not my cup of tea. It has close to 10000 companies. In fact, we can always take sectoral bets like healthcare, energies, financials, etc. and do our bit to get decent returns. Ultimately, the money must grow.

Hexadecimalkink

You should probably sell and just go into VT at this point.

drew-gen-x

This is the exact reason my port is heavy World ex US ($VXUS), Japan ($EWJ), and Gold ($PHYS). I have a large $VT position to get some US stock exposure. But I fail to see how US stocks rally when the AI cap ex hyperspenders are spending their entire 2026 FCF on overpriced semis and AI buildout plus they are adding debt. If google, miscrosofe, and the rest would slow their pace of the AI data center buildouts than they wouldn't be facing these extreme prices from Micron, Samsung, SK, etc. They AI cap ex spenders are their own worse enemies.

drew-gen-x

I agree as long as I stick to BTD's in $VTI, $VT, and $VXUS. I'm already extremely heavy ex US $VXUS and $EWJ b/c I like the AI & Robotics growth potential in Pacific Asia vs USA. I bought heavy & tried to catch the bottom in $SOXX and $DRAM this month and lost 20%. I decided to move that cash into $TSM, $SKHY, $EWJ, and $VT. Semis can rally now that I am lowering my risk. The market is acting like a casino right now w/ all the leveraged ETF's & leverage stock options avail rn.

drew-gen-x

I agree. I made the mistake of trying to time the semis bottom this week and it cost me a lot of money. Luckily 90% of my port is in boring $VT, $VXUS and $EWJ. This week is exactly the reason why I switched to 90% indices in my port over stocks in March. Unfortunately I gambled this week and tried to get a little too cute.

Valvador

> But with the tech concentration on SP500, buying half a dozen to a dozen single stocks from different sectors gets you probably a higher diversification than SP500. If you're worried about cap-weighted stocks, there are "equal weight" versions of the S&P500, but then you're basically somewhat betting against the market in general. RSP is an equal weighted S&P500, but the cost goes up from 0.03% to 0.20%. Additionally at least with Cap-Weighted stocks, when people pull out of one industry and pile into the other you re-capture some of that. The math doesn't exactly work out with equal-weighted ETFs, but I guess that's not what you're suggesting. I don't really buy SP500 anyway, I prefer stuff like VT/VTI, although I've been buying a lot more VXUS than VTI over the last few years.

Delicious_Put_5857

just buy VT

Gimme_All_The_Foods

VT, which tracks the global stock market, should be the default choice. Only deviate from that if you have a very good reason that you will stick with for decades.

Dynamatics

FTSE-all world is a (benchmark) stock index of around 4000 companies around the world. As it suggests, it tracks the entire world instead of one country like the S&P 500. Popular ones are VWCE / VT / WEBN and there's plenty more with nuances depending on what region you're from. QQQ is the Nasdaq 100, which is heavily weighted towards tech companies in the US. So as you can imagine, that blew up the past few years with AI and Semi Conductors. But the Nasdaq isn't all sunshine. It can make you wealthy in a few years or break you in one or two bad years. This is why it's recommended to not have more than 20% of your investments in high risk stocks/etfs like the nasdaq unless you have a gambling addiction. If I was a new investor (which I sort of am), I'd just put 100% of your stocks in an all world index (I use VWCE) and don't bother touching it for the next 30 years. It's a set and forget kind of thing. There's nothing wrong with putting it in the s&p 500 like most US people do, and I even think that the US will outperform the rest of the world for the next 20 years, but there is something peaceful about not having to worry about a single country's politics/e economy.

Valvador

> Maybe diversification gets mocked during bull markets, but it's usually appreciated when leadership starts to change. I mean you can say the same thing for VTI vs VT. US market has been on a rip for like 10+ years, and people only look about 5 years back when making "historical decisions". During the 2008 housing crisis, everyone and their mother was a real estate broker because everyone was buying.

youngsimba320

we can all just buy VT and live stress free

cohibakick

VWCE is basically VT (with fewer stocks). It's fine.

greenpride32

I wouldn't go with BND at your age; you have plenty of time to ride out the ups and downs of growth equities. VXUS and FZILX underperform VTI and FZROX in the long run. The reason for this is the US has the largest economy and attracts the most capital investment (which helps to perpetuate the cycle). Also most of the leading US companies operate on a global scale, so it's not as though you only invested in one domestic economy. Over the course of the long run, the difference in CAGR will make a very meaningful difference in total return. My goal in investment is to grow my net worth as much as possible by making selections that have a proven track record; everything else (diversity) is secondary. You can compare VTI (US), VT (World including US) and VXUS (World minus US) - the more US weight the better the long term performance.

SupraTacky

You should protect that 50k. That’s a good start but if you don’t learn you’ll lose it quickly. Size your positions appropriately. Protect the downside maintain the upside. Or go 100% in VT.