VT
Vanguard Total World Stock Index Fund ETF Shares
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Is it ok to never have bonds if you start investing early?
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Low volatility factor investing is criminally underrated
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Is my portfolio made by my wealth manager too complicated?
Are these good lump sum buy and holds? VOO, VTI & VT
Thoughts on transferring “all” of my savings into equities
How should I invest to build wealth long-term in my early 20s?
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Would AVLV theoretically be any more profitable than a passively managed fund like VOO?
How much reasonable risk should I take on to maximize profit?
what's the point of tlt if it's just as volatile as stocks
I have a mental issue when benchmarking my portfolio - looking for advice.
Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Selling equities at a loss to pay for high interest mortgage
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
Have money in both Sofi Auto Invest and VT via Fidelity. Should I consolidate?
28yo, Is selling all my VGT and buying VT timing the market/performance chasing?
Are my portfolios any good? 96% equities / 4% real estate
"No more than 20% of one's stock portfolio should be allocated to foreign stocks? - Jack Bogle - Does this advice still ring true today?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Anything I should be doing to be more aggressive with my VOO/VT portfolio?
Why is the solar industry performing so poorly?
My un-intelligent way to make bets, as of now
What Do I Diversify Into? (small $ monthly investments)
Wanting to invest recent VA backpay - thoughts on how I'm proceeding about doing so
Invest in VTI and other "feel good ETFs" if you want to make less money.
How long do you recommend paper trading before doing actual trades?
Fidelity's Limited Automatic Investing Options vs Having More Accounts
My friend claims my method for investing may not be allowed, can anyone clear this up for me?
How is my Vanguard performance returns negative, when my investments are in the green?
why do people act like if the markets are down over a decade or more the world will turn into the last of us
How safe are ETFs if broad index funds didn't exist?
If safe ETFs broad market were an option - what would you chose?
Selling long dated deep ITM SPY or VT puts instead of holding shares.
90% are in blue chip stocks and VOO/VT (~85%). Also new to investing RIP
Should I keep holding ENVX and buy the dip?
Steak (Live Cattle) hits an all time high.
Please don't crucify me.. What is the actual point of all of this?
My Dividend Portfolio, 60 / 20 / 20 - VT / VIG / SCHD
Mentions
Already included in VOO/VTI/VT, you're actually less diversified if you buy it alongside broad market indexes.
OP, one example of an all-world stock ETF is VT.
I have a 30+ year portfolio but I'm growing a little hesitant with the tech portion of my Roth IRA. My taxable cash account is all 70% VT and then 30% large-cap tech stocks and mega caps. My 401k is 50% VT and 50% Tech FTEC. However, my Roth IRA is all tech, FTEC and QQQ. What can I do over a 30-year horizon to add something with a similar growth trajectory as tech that isn't tech? Everything is tech, VOO is already almost half tech, and I'm 100% tech. What etf do I add that has a similar growth trajectory that isn't tech for a high-risk, high growth, long-term portfolio?
VT and chill is the best investment strategy
Given your age, i ll go all in VT assuming it works like in eu msci acwi on autobalance. However, you did not get much love from bonds - id say do them if you are risk averse. Still better than sell low. Noone wants bonds, untill market drops. I hold ultrashort ~ 20%, for exactly that - but you pay the price for that thats for sure ( in a form of low return ). I hold them to be deployed. Even if you wanna and will retire early, you dont need to leave market, its not cutoff. Cant say anything to fixed income, we dont do them cause of taxes. Use retirement accounts advantages if applicable.
I like the 2 account idea, it would probably help with my risk aversion if I could see one account is nice and safe when the other one is volatile, even if the overall pot of money is the same. I just started a personal IRA this year, all VT for now, will probably mirror my taxable allocation once I fully figure out what I am doing haha. I need to look into HSA, I don’t know much about it.
VT, VOO, QQQ these are my top three Here is my quick guide how to navigate markets backed by facts and stats NOT feelings. If you are in US Open Roth IRA ASAP and try to max out (7K/Year). Roth IRA you are NOT taxed on capital gains! If not in US figure out if you have any tax advantage accounts and better than taxable brokerage account. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market) or VOO (US market). As long as world economy keeps growing and fiat currencies keep loosing purchasing power (inflation) VT will go up forever. If you can handle risk add some QQQ for more tech exposure. Tech has had largest gains over last 10y and doesn’t look like that is changing. US is building out entire tech infrastructure for the west. Low risk: 100% VT (global market) Med risk: 80/20 VT/QQQ (global market & tech) High risk: 50/50 VT/QQQ (global market & tech) Pick whatever fits your risk. Low risk portfolio can drop historically 40% and high risk 60%. Statistically they always have recovered. Open broker account fidelity (or IBRK) good in US be sure to pick Roth IRA when opening. Search for ticker VT in broker app. Select number of shares and market order. Confirm order and you own ETF. Buy always and plan to hold min 10Y. Statistically trying to time market never works. Never panic sell unless 10Y hold mark is reached. Drawdowns are normal and part of investing. Side note: Statistics show short term trading will always loose you money. 95% of short term traders loose. >93% of hedge funds (short term trading experts) don’t beat VT over 10y. Investing isn’t hard people just like to make it difficult.
These are the best three ETFs VT, VOO, QQQ in my opinion. Here is my quick guide how to navigate markets backed by facts and stats NOT feelings. If you are in US Open Roth IRA ASAP and try to max out (7K/Year). Roth IRA you are NOT taxed on capital gains! If not in US figure out if you have any tax advantage accounts and better than taxable brokerage account. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market) or VOO (US market). As long as world economy keeps growing and fiat currencies keep loosing purchasing power (inflation) VT will go up forever. If you can handle risk VOO has more tech exposure. Tech has had largest gains over last 10y and doesn’t look like that is changing. US is building out entire tech infrastructure for the west. Low risk: 100% VT (global market) Med risk: 50/50 VT/VOO (global market & tech) High risk: 100% VOO (global market & tech) Pick whatever fits your risk. These portfolio can drop historically 40% to 50%. Statistically they always have recovered. Open broker account fidelity (or IBRK) good in US be sure to pick Roth IRA when opening. Search for ticker VT in broker app. Select number of shares and market order. Confirm order and you own ETF. Buy always and plan to hold min 10Y. Statistically trying to time market never works. Never panic sell unless 10Y hold mark is reached. Drawdowns are normal and part of investing. Side note: Statistics show short term trading will always loose you money. 95% of short term traders loose. >93% of hedge funds (short term trading experts) don’t beat VT over 10y. Investing isn’t hard people just like to make it difficult.
People who VT and chill vs VTI and Chill. (Except for 2025, VT is a poor investment.)
Measuring if you are in the green or not isn’t a complete picture. Measure yourself against VOO, VTI, VT, etc. Once you factor in opportunity cost you did much worse than losing $69k.
>also given the studies Which studies? I can point to some showing benefits of also including small caps. 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/ * 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/ Notice that in the table in the CBS link, small value and small blend beat out every category of large cap. >that I’m not in the best place to have many options financially right now VOO just feels like the safest bet for me especially being that all my investments are long term plans I'd argue that for one fund portfolios, there's several funds that would place above VOO. Especially for long term. VT, RSSB, target allocation index to name a few. >10% QQQM QQQM currently sits in the large growth area. But see what tends to be recommended by the factor investing links I provided above (hint: not large, not growth).
Likely unless he suddenly reverses all the tariffs and makes deals with Canada/mexico … if you believe this trend to continue then VXUS may be better than VT
FWIW, VT is up 4% more than VOO ytd...
VT and chill - but hell yeah
VT is over 60% US because the US market is over 60% of the entire world market by cap weight. If the US market drops and becomes only 40% of the world market then VT will be only 40% US. Holding everything at cap weight is the most neutral thing to do, it means you will reap the average returns of the entire world market. It doesn't make sense to customize because then you're making active decisions. You can say "I'll hold only 20% VXUS because the US market is the best and will always be the best". Or you'll say "I'll hold 80% VXUS because the US empire is collapsing". This is you trying to beat the market. And statically speaking when you try to beat the market you will instead underperform the market. So just hold cap weight, get the average return of the market, make no decisions, get rich and sleep easy.
Isn’t VT over 60% US? Wouldn’t it make sense to customize by doing VOO and my desired VXUS percentage?
VT is VOO+VXUS (or more accurarely it's VTI + VXUS). VXUS is VEA+VWO. VEU doesnt have small caps, so it's like VOO and VXUS is like VTI. To be the most diversified in the simplest way, just buy VT.
VXUS zero overlap with VOO VT is 89.5% overlap with VOO Have a look at etfinsider to see what I'm seeing.
I’d bet you’d be better off not doing the speculative stuff. Keep a few MAG7, and then put more than half into VOO & VT and chill.
Whatever the European equivalent of VT is
Yeah even better. Unless it's in a taxable account as VT doesn't qualify for the foreign tax credit, making the VOO/VXUS more tax efficient.
Voo and VXUS or just buy VT. You could do just VT and when there’s dips in QQQ buy that or QQQM. Vanguard total stock (VT) has a mix of US stocks and some international stocks like Taiwan semiconductor.
I’ve been dollar-cost averaging. I bought more this week. I sold the Micron I had before the crash (MU went from $250 —> $205 per share), and I invested the proceeds in VT, VBR, and SPSM.
I've been waiting to do this, you activated my trap card! Rule #2: "When USFR > VT, rebalance by moving 33% of the difference (USFR − VT) into VT and the same amount into Corn.”
You may want to look at vanguards target date requirement funds - like for you something for 2055 - they manage the investment in the VOO, VT, etc and then slowly migrate into bonds and the like as you near retirement age
Berkshire, DCA into VT, and GLD
In that case VOO or VT are both solid set it and forget it options
Greta thing I'm not one of them!! VT has an average P/E of 23 after all.
VT, everyone saying American etf here are suggesting a worse option
There's two popular combos with the vanilla club VXUS+VTI Or just VT VTI covers the total US, VXUS is outside the US (there's something about a tax deduction in brokerage accounts, never looked into it) It's usually done as a 70/30 combo I'm in the 100% VT camp. One and done VT covers the S&P 500 (you can look at their page, their top holdings are heavy into it) but it covers the FTSE Global All Cap Index. You are getting 37% of your allocation outside of the US with that ticker. There's no wrong way to do it.
I just sold my bonds and went 100% stock (VOO,VT,QQQ). I’m tired of trying to time the market, and I will hold all stock until I die.
I have VOO, VT, Gold and a Silver ETF, NVDA and Goog which is the bulk of my Portfolio. Majority in VOO. These are what I hope will be a good foundation. Palantir I would say is medium to high Risk. My speculative ones are Rocket Lab, MVST and BMNR. Think I'll ride these ones out, If they go to zero its sad but they are my gamble speculative stocks. Also 10% in BTC and ETH
Actually, the buy tweet came when VT was at 112 (market 30-40% lower than now) and provided insider info right before he TACO'd the tariffs. I too thought he would have some crazy plan in his back pocket, but I'm starting to worry he shot his best shots already, I mean what more can he do besides: \- already took back the tarifs (not all but he proved TACO so market has it priced in) \- already caved on the trade war he started with china so no leverage internationally \- His recent actions seem even more desperate:
For 5 years you are gambling a bit but stats show chances are market will be higher in 5 years are 85% Anything over 10y is solid and doesn’t carry much risk. Here is my quick guide how to navigate markets backed by facts and stats NOT feelings. If you are in US Open Roth IRA ASAP and try to max out (7K/Year). Roth IRA you are NOT taxed on capital gains! If not in US figure out if you have any tax advantage accounts. Pick a portfolio according to risk tolerance Invest in ETF like VT (global market). As long as world economy keeps growing and fiat currencies keep loosing purchasing power (inflation) VT will go up forever. If you can handle risk add some QQQ for tech exposure. Tech has had largest gains over last 10y and doesn’t look like that is changing. US is building out entire tech infrastructure for the west. Low risk: 100% VT (global market) Med risk: 80/20 VT/QQQ (global market & tech) High risk: 50/50 VT/QQQ (global market & tech) Pick whatever fits your risk. Low risk portfolio can drop historically 40% and high risk 60%. Statistically they always have recovered. Open broker account fidelity (or IBRK) good in US be sure to pick Roth IRA when opening. Search for ticker VT in broker app. Select number of shares and market order. Confirm order and you own ETF. Buy always and plan to hold min 10Y. Statistically trying to time market never works. Never panic sell unless 10Y hold mark is reached. Drawdowns are normal and part of investing. Side note: Statistics show short term trading will always loose you money. 95% of short term traders loose. >93% of hedge funds (short term trading experts) don’t beat VT over 10y. Investing isn’t hard people just like to make it difficult.
Oh yeah, I forgot where I was. r/stocks is more dramatic than this place about their $VT 401ks at age 30 lmao 😂
Is there a reason VT spiked up after hours?
Just buy VOO or VT you little piece of shit, stop wasting money gambling
There's not such thing as free money, investing in the broadest possible equity index (S&P500/VT) is, over any 10yr+ investment period the highest expected return asset category available. Crypto is zero-sum, there isn't a productive company supporting the value in the asset, it's just worth what the next speculator is willing to pay.
My VT is -2.75% for the last month, so tired of winning.
Hello everyone, here is my portfolio. Would love to hear your opinions about it. || || |**Stock**|**Exposure %**| |VT|42.24%| |CHDVD (iShares Swiss Dividend ETF)|15.50%| |HIMS|9.34%| |AFRM|3.41%| |META|3.10%| |SE|1.98%| |SWX:ZGLD (Physical Gold ETF)|1.54%| |AMZN|1.39%| |ROKU|1.22%| |MNDY|1.16%| |UPST|0.59%| |IREN|0.30%| |Cash|18.22%|
doing exactly this. im considering VT over VTI tbh
Yes I buy the same 3 stocks every 2 weeks, currently holding VT, QQQM, AMZN and then my traditional IRA is VOO and VXUS, if I could add more I’d DCA GOOG into my portfolio as well. I choose Amazon because i feel the stock is still undervalued so I felt more comfortable throwing more money at AMZN than GOOG when I started
"It depends" but mostly avoid real estate. Had rentals. If you got in early when cost of entry was 'lower' (low interest rates and house did not appreciate as much at the time). But you either must now be local to the property to manage it, or give up a month of rent (not profit, but income) for someone to manage it for you (but you still pay for repairs and costs anyways). Lets just hope you are not in a pro renter state if they decide to squat / unable to make payment and decide to stay. Then lets not talk about if you decide you get a toxic renter that decides to trash the place which wipes tons of profit for repairs. Lets not count court fees, if you might violate any rules unintentionally and the time it takes for the legal system to run its course. Oh and good luck in any claims against the renter. Hopefully you got in early...and its appreciated...which in current market you wont want to sell but maybe good for long term if you are willing to hang on to it. Now if you can get a hot property in a high demand area...sure. And you likely will pay pretty high to get it too. Or I can invest into stocks and can liquidate anytime, part of it, or all of it. And as long I don't yolo into something like yieldmax and just go even with VOO/VT, I feel less risk in that...than chancing on a bad renter.
10k into NVDA at 3pm. 11k out just now. I’ll take a free 1k, obviously it would demolish earnings. I’m not sure it will hold long term though, bubble is still here baby. VT and chill
>I’m trying to not manage 20+ different individual stock Index funds. VOO has 500 stocks, VTI has like 3,000, VT has like 10,000. Individual stocks should be no more than 5-10% of your portfolio, if any at all.
Either a top secret mission overseas where you need an alias… or prison. Either way! VT and chill.
Why is my VT holding acting like a meme stock.
VT, VT, VT (for all 3 timelines)
DCA and buy bonds and VT (or something close to VT with a sector tilt based on what risks you're personally more exposed to) is the right advice for almost everyone, though. Anyone who that advice doesn't apply to isn't going to be asking for advice on Reddit and anyone who needs to ask for advice on Reddit absolutely should not be doing anything more exciting than that.
I mean other people have complained we talk about nothing except buying index funds for the long term. If people complain this sub is too boring and just VT and chill and others are complaining about too much talk about trading we probably have a good balance
I'd say that is a fine approach. However, I will note that $SPY and $VOO are actually basically the same thing (both hold the same underlying companies) so I'd recommend just choosing one of those two just to keep things organized/consolidated. $VOO charges a lower fee, but a lot of people choose $SPY because it has more volume (so a tighter bid-ask spread). If you're planning on holding for a long time $VOO is the better choice. I'd go with 50% $VOO, 20% VT, 20% $VTI, 10% $EEM.
I went aggressive on single stock/options with meme stocks. The gains were incredible and so were the losses. Cut my gains now that I need the liquid for something, made serious $$$ in a matter of moments. No regrets except that it didn't print even more lol The rest is boring and in VT or professionally managed
If you were saving for a down payment on a house in a brokerage account, wanting to buy within 5 years, you'd be 100% VT?
VT. I don't actually have VT because I wanted to customize it a bit, but if I could only have one, it'd be that.
I'm assuming this was about brokerage since we are talking ETFs. My retirement funds would be more conservative. My brokerage would still be VT when I start retirement
The point of this post to see what would the majority invest in depending on the timeline. Data show for example.the power of the magic number "20years" w/ broad ETFs like VOO or VT. but what about 10y or 5y. Didn't meen to limit but was searching options for shorter term investments
5 yr: VBIL 10yr: VT (still possible to lose money but low probability) 20yr: VT
VTI all day for 10+ years, SPY if you need quick-ish gains, VT if you’re playing the super long game. Dump cash, let it ride, forget about it.
I would pick VT, SPMO, and BRK.B, primarily because they represent diversified strategies while still giving broad exposure to businesses, economies, and currencies. **$VT: Vanguard Total World Stock ETF** If I had to choose just one ETF, this would be it. VT offers all the momentum benefits of a market cap-weighted index, but offers some robustness to economic shifts by being globally diversified. Currently \~35% is allocated to stocks outside of North America. **$SPMO: Invesco S&P 500 Momentum ETF** SPMO is the only ETF I am quite confident can beat the SP500 over the next 20 years. While I don't think the purpose of a set-it-and-forget-it portfolio is outperformance, SPMO offers strategy diversification to the portfolio by explicitly giving exposure to the momentum factor. I would have preferred a global version, but I am not aware of any. **$BRK.B: Berkshire Hathaway** Berkshire is effectively an actively managed and highly diversified closed-end fund at this stage. Warren Buffett may be stepping down, but he has carefully selected competent people to carry on his legacy. The reason that Berkshire Hathaway is part of the portfolio is that it is counter-cyclical, that is, Berkshire piles up cash when the markets are frothy and deploys it when it is in despair. It also gives access to private equity deals which none of the other tickers do explicitly.
I'm not OP but you can be cautious by being diversified: VT is a total world market fund and keeps your investment divided across many markets and industries.
Maybe you’re amazingly good. Maybe you got lucky. Hard to say. The good news is, you’re young so if you’re bad at this and lose big, you have time to recover. The bad news is, you’re young and time is your greatest asset right now and there’s no getting it back if you squander it. Here’s what I’d do. Put away a good percentage of what you’ve made into a market index like VOO or VT. Keep a portion to gamble as you have been. How much? Hard to say without knowing your actual numbers. The more money you have, the smaller percentage you should be gambling with. If you’re really good at this, great. You’ll keep making money and you can park that in the index too. If you’re not, well you’ll be glad you’ve got a safer investment growing and consider a less you paid for.
VT - indexed asset appreciation BND - some bond exposure adds stability to the portfolio SCHD - long term dividend growth
VT, AVUV, AVDV Total market with a bit if a small cap value tilt.
A stock? Probably Google. An ETF? VOO (or VT.)
Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk 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 equals less risk. 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.
Not necessarily making the most money but valued the highest. The market cap for the mag 7 is massive, market cap =\= most profitable but it does mean most people buying that stock. Now what happens is as those companies market caps grow more 401ks and other companies such as that buy MFs or ETFs keep pumping money into their market caps causing the disparity of growth to continue. This is how they get so large in market caps causing people to be reliant on them continuing to grow at such rapid paces. A fund like VT is market caps causing people weighted so it helps lower the amount that gets loaded into their market caps Mag 7. Will Mag 7 fail? Maybe, maybe not. But if I don’t need 20% annual return to retire then why risk investing in something with such a concentration that might turn into an Intel dud over the ages? Diversify for 10-14% annual return and much less stress on my end. Win win.
I might go with just one, AOA. Global stocks + 20% bonds. If not that, then VT plus maybe a little bit of BOND, FBND, or VPLS.
You could just go with VT which is the whole market with a little less mag 7 exposure.
QQQ is like 10% Nvidia, VT is like 4%, so my average is roughly 7% Nvidia. Same story with Microsoft.
3 is not enough for total diversification unfortunately but gun to my head $VT Total Diversification plus international 70% here $COWG Tech diversification away from mag 7 15% here $COWZ Stable company diversification 15% here
Do it. I would just do a world ETF like VT.
A proper crash is when your stocks reach a level you though was not possible anymore. TSLA below 100, NVDIA at 30, Bitcoin 20k, VT at 80 etc..
Not Financial advice, but VT. Total world stock. Shields you from most USA fuckery if it gets bad
In this case Yes. That's way too concentrated. You need something to balance it out. You won't be happy when the S&P dips 20%. That's nearly half your value and you will be right back here asking when to sell. Now in something like VT or AVGE, 49% isn't bad because of the massive stock diversification. So if the S&P dips 20%, you would barely feel it if at all.
Follow the /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics For what to invest in: Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk 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 equals less risk. 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. In work provided plans, you'll likely only have a short list to pick from, your options for some areas (such as large US usually) may be better than for other roles. In these cases, some people ignore those areas where they have poor find to pick from in the work account and compensate elsewhere (like extra heavy on international in IRA or taxable for example).
I would recommend VT actually
VT COST GOOGL US and EU defense & aerospace ETFs. Next gen battery tech like AMPX BTC
Go with VT or S&P500… buying just 1 single asset such as gold is alot more risky, specially at the possible peak of that asset which have recently given abnormal performance and usually consolidate or pull back after that which take decades
VT and chill muh boy
How long before you need the $300k/year? There is no reason to focus on dividends. Back in the days when there were commissions on stock purchases and sales it could have made good sense, but now those are no cost transactions. Focus on a total return strategy and just sell when you need money. Something like a total world index (VT) or a total US (VTI) plus a total international (VXUS) if you want to control the ratio. ETFs named are examples, not recommendations.
28M, I have my 401k matched, roth ira the boring VOO, VT portfolios but I wanted advice on my brokerage stock portfolio. Holdings: Please advice any holdings I should add. I added companies that I believe can't be replaced in the long term for what they do and are diversified around the world. Cash: 27% QQQ: 18% GOOGL: 13% META: 9% MSFT: 9% BRK-B: 8% TSM: 6% ASML: 5% MELI: 5%
The fact that you think share price means anything tells me you should just buy VT.
Are you going to receive one time $300k or it will be given to you every year? Same question about $100k from grandparents trust? If this is one time thing, then you can invest in stocks and bonds portfolio, preferably 50:50. For stocks you can just use VOO and VT. For bonds you can just use something like VGSH and VGIT.