VT

PhoenixProtocol

Then mention that instead of VT.. Anyone with half a brain could’ve suggested that instead, knowing OP is clearly not murican

goodbodha

https://photos.app.goo.gl/i4VT6vnTzdphUtGY6

Crafty-Mess-7406

If you are from latin america, you sould be looking for SPYL instead of VOO, or for VWRA instead of VT. For long term i am all in on VWRA.

mmille24

VT and chill better.

PhoenixProtocol

€ stands for Euro’s, not freedom rupees. VT isn’t a think on Europe, you need a UCITS etf. Please read the post before giving information. 

GlobalVillage30

Ah yes. For sure, I agree. US domination of AI, innovation and shareholder capitalism makes it hard to bet against America! I can look at the share prices of my amazing Chinese stocks to see the difference. VT is an option if you want to avoid single country risk - presumably its risk adjusted returns are comparable to VOO

autumnbreeznleaves

Yawn, I guess I'll buy some more $VT at prices not seen since Aug 3rd.

Peter_shock

Im actually 15, and this would be my fisrt investments, i was thinking buying MSFT if it hits the 370€ price range or buying MU if it hits the 850€ price range…I know that VT is worth it if u think in a long period but i would consider buyin VT only after i turn 17-18

urzrkymn

Are you wanting to gamble or invest? Gable, go with your picks. Invest go with VT.

alpacaMyToothbrush

I was 100% 'VT or bust', but I recently learned that you can save a bit on foreign taxes as a US investor by doing a VTI/VXUS split, which is ironically close to what I have already

RagnarokWolves

If I was going into a coma for 20 years I'd leave my money in VT.

DaemonTargaryen2024

I know, my point is that VT having a higher dividend than VOO doesn't mean it will outperform VOO. Certainly reinvesting dividends is the smart way to invest, though.

Valvador

Dividend payouts lower the Market Cap of the company giving them because they have less money to re-invest in themselves. Overall its a zero-sum game. Dividends also are a taxable event, so you could argue they are less efficient. That being said, VT is still your best choice for full world diversification on stock from a single ETF. I'm personally running VTI + VXUS so that I can manually adjust allocation.

GlobalVillage30

OP asked about VOO vs VT so I think my comment remains correct. If you just want growth (and are willing to take more risk for that growth) buy QQQ, buy robotics, buy quantum, buy vtol, buy drones, buy crypto.

QuanTradin

VT, and the reason is not expected return. It is that a global fund gives you a reference point. The standard case for VOO is that US companies earn worldwide so you are diversified anyway, which is true right up until a decade where it is not, and by then you have nothing to compare against to work out whether you are early or simply wrong. The Ireland domiciled point is probably the bigger lever for you than the index choice, given where you are sitting.

hak8or

>this is not how it works.  I know this isn't the bogglehead community but... Right back at you? VT is a diversification play, and it's one of (if not the) most tried and true method for long term appreciation. Just because a company is at the top in terms of market cap doesn't mean they are most successful or will remain the most successful in the intermediate term. Look at what happened to Japan or even companies like Cisco during the dot Com bubble. VT includes emerging market and developed markets and everything, it's one of the most diversified single investments you can make, heck or even includes real estate via REIT's.

SnS2500

\> SP500 has historically had slightly higher returns. Since VT was established in 2008, SPY's return has been nearly double. "Slightly higher" is total nonsense.

GlobalVillage30

VT also has a higher dividend so if you buy an accumulating/capitalising fund the re-invested dividends help compound your return :-)

pennquaker18

VOO will outperform over time. QQQ will outperform VOO over time. VT will be less volatile

Electrical-Scar9598

That is your view, when us outperform it means it is outperforming intl and em, which you have too, which would be considered losers at a time but you would rather lie to yourself to cope and say "I held the winner so I win", this is not how it works.  Vt has thousands of unprofitable companies, currency risk, geopolitical risks. Those are way higher in EM and youd rather have them all than have an index based on the winners, or the biggest. I got news for you, if a company is one of the biggest of the index, it means it has been winning for a long time and if you believe in VT you should as well short those because you dont want to invest in a basket of higher quality business if you invest in VT. Finally, recommending to someone your very low return strategy with high coping may not fin everyone, especially people who have the slightest idea how the market work and who have no issue outperforming VT in any given 5,10,20 years window.

OptionConcoction

10-Year Annualized Return: VOO has returned roughly 15.4% per year, while VT has averaged about 12.5% per year.

DaemonTargaryen2024

US does not always outperform ex-US, nor vice versa. Who will outperform in the future? I have no clue, so I hedge my bets and just invest in the *entire* world stock market: VT. If the US outperforms: great, I win. If the US declines and say BRICS countries outperform: fine too, because I also win. One more thing: *retirement is a math equation*. Even if US outperforms for the rest of my lifetime, my choice of VT still wins because it will return enough for me to comfortably retire. I don't need to take on any additional risk by choosing between US and global and risk being wrong.

Infamous_Ad8730

Single ETF? VT.

MattieShoes

Open a brokerage account. It's just a specialized bank account that allows you to invest the money in it. Then if you don't have an emergency fund (six months expenses), then shove that much into a money fund. Which money fund depends on which brokerage you use. Like SPAXX (Fidelity), SWVXX (Schwab), VMFXX (Vanguard), whatever. The key here is that it's low risk, something like a savings account. Beyond that, you can invest in whatever you want. But if you don't know anything and you're looking to get your feet wet, a broad ETF is probably what you're looking for. Something like VOO (S&P 500), VTI (total US index), VT (total world index). Be aware that you are taking risks with that money -- if the market drops 50% tomorrow, half your money disappears. But long term, markets tend to go up. You should also consider opening a Roth IRA. It's a brokerage account specifically for retirement funds, so you get some tax benefits for putting money in there but there are restrictions to when you can take money out. Also there are income limits, but ways around those income limits, so it's a whole thing.

Flimsy-Persimmon622

qqq + VT

towngrizzlytown

That's awful, so it's good you realized and asked; now you can get on the right path. Open a Roth IRA at Vanguard or Fidelity and initiate a transfer. After the transfer to Vanguard or Fidelity is complete, sell the American fund within your Vanguard or Fidelity Roth IRA and invest the money however you like (VT + BND or a Target Date Fund). [https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers](https://investor.vanguard.com/investor-resources-education/iras/roth-ira-transfers) You're familiar with VOO, and here are a few other funds that are commonly referred to: VTI - Total US stock market VXUS - Total International stock market (excluding US) VT- Total World (VTI and VXUS combined conveniently into one fund) BND - Total Bond, although this designation isn't quite as accurate as the total stock market funds are [https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new\_to\_rbogleheads\_read\_this\_first/](https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new_to_rbogleheads_read_this_first/) I recommending perusing r/Bogleheads regularly.

andybmcc

Go to Fidelity and open a Roth IRA.  Setup an automatic investment and buy some reasonable low fee index fund like VT.  See if you can can do a transfer of your current IRA to Fidelity.  Their support can help you out.  You're being fleeced.

bobdevnul

VTI+VXUS or VT is a fully diversified world market portfolio. QQQ is not nearly as diversified. Nobody knows if VTI+VXUS or VT or QQQ will do better for the future because nobody can predict the future. By being less diversified QQQ has more uncompensated risk vs the world market.

Artistic_Data7887

Not a huge difference. If you have current gain in VOO, don’t sell, just keep, and allocate future dollars to VTI. Spice it up and get some VXUS too, or just do one fund like VT.

Wormus

~20%, all in a single holding. Rest in $VT. This is the second time I started a position that was 5% or less and it grew to 20% or more. The first time I started de-risking at 50%. "The whole secret of investment is to find places where it is safe and wise to non-diversify." That is a Charlie Munger quote. He was talking about professional investment, but I strongly believe in that philosophy.

availablegangs

I have ten years clean from drugs but I still remember the moment I refused a beer. It was just a little push but I turned it into a life. You will have huge triumphs that are more monetarily significant but won't be as big a deal as the first win. It's a huge deal and you're headed straight for the big time. Have you answered what you got it in? I'm curious what someone in poverty who can't afford to lose it puts their money in. Me: VT/ Google/ SCHD/ FDVV/PM/BOAT/KO and semis and crypto like an idiot 

TreGet234

I don't think we will ever crash hard again. 1980 to 2000 also didn't have any crazy crashes. At this point even a 50% crash would hardly be a big deal, likely bought back up to ATH within 2 years. A bit of pain but a historical nothingburger. I think 2000 and 2008 were the outliers to have such violent busts so close together. Stock indices as an asset class have matured to a point where they are like housing or gold and mostly impervious to giga crashes barring certain anomalous circumstances. Would i diversify a bit at this point? Probably yeah but at this point the hodl approach will garantee your money only going up. Stocks can't really ever go down again or go truly sideways for decades. Worst case is a choppy upwards grind as overvalued losers get replaced with stronger alternatives. Corporate growth would have to stall to 0 to kill stocks. At that point we would get such severe deflation that gold and property also stagnate. True japanification unless the 0 corporate growth is due to an explosion in wage growth (lol). I think there is a case to be made to just ride out 60% VT 20% Treasuries and 20% gold for all eternity to hit the perfect sweet spot of wealth preservation while maintaining growth. Actually i can think of one more crackpot scenario: What if going forward large caps just suck and to have growth you need a small cap or value tilt? And the second a stock gets big it just dies in terms of growth? If the era of large cap growth winning is over, that would throw index growth for a loop and could cause years of index stagnation until it's digested that large cap just don't grow anymore. Even then i think the indices adjust frightingly fast.

Flayum

Why not just do VT?

autumnbreeznleaves

$VT and chill, bro. Ind stock picking feels too much like gambling to me. Inflation has a lot to do w/ the indices outperforming. 3% avg inflation over 20 years nearly cuts in half your purchasing power. I don't have the exact numbers but I believe $100,000 becomes close to $55,000 after 20 yrs of 3% inflation. And inflation has been closer to 2x higher than 3% since Covid. So saving cash is NOT an option. And then you have to believe the gov't numbers that we were actually below 2% for the years before Covid, which I do not.

MediclePhysicist

Yes, 3k. I would invest both dividends and I would take a small portion of your paycheck every week to start investing alongside starting chunk. Both divs and new investments in VOO or VT until about 90% of your total value is in the ETF

MediclePhysicist

I think at an $1100 value, I would probably let it sit where it is. I would take any dividends and place them in VOO or VT as others have suggested. If it were 110,000 and represented a major chunk of my net worth, I would sell and place into one of those funds.

lizardcrabb

You are buying one share. Just buy a diversified etf like VT or VTI+VXUS. But like others have said, 1-2 years time horizon you should be parking this cash in a high yield savings account

Distinct-Fly-2374

VT and chill

thorn960

Depends on your risk tolerance. I would want some of it more diversified like VT.

atheos42

SGOV should be used as an emergency fund. The foundation of your portfolio should be a very low expense ratio index fund like VT or VTI. I don't like QQQ because of its expense ratio, there are better funds than QQQ, with lower expense ratios.

TreGet234

That thought process makes perfect sense, i'm just worried about sluggish performance. Commodities have turned into a miniscule part of stock indices, so them slowly grinding higher will take many years. And ex-USA historically rarely outperforms the US. For absolute defensive positioning VT is likely less risky but as such the reward is likely also lower unless ex-USA has a generational run.

Groundbreaking-Gap20

My thinking with VT is different. For example, I’m not trying to predict which country, sector or asset class wins the next cycle VT is basically a bet that global capitalism continues to grow and that the winners change over time. If small caps, Europe, China, India or Japan underperform, their weight in the index naturally falls. If Canada, Australia, LatAm or the US outperform, their weight increases. I wouldn’t say you’re necessarily wrong. I’d just say we’re solving different problems. You’re trying to identify the likely winners of the next cycle; I’m trying to avoid having to identify them in advance.

Groundbreaking-Gap20

VT

LaMeraVergaSinPatas

“Value investors” and bogleheads be like just VT and chill bro it’s cool bro this will pass bro

Ambitious-Donut1321

Yes concentration in VT 👍

__redruM

At the very least 100% SGOV, but some portion in index funds really makes sense. SGOV is basically a HYSA without state taxes. VT or VOO, at even 25%, would be safe, as in never go to 0, and would demonstrate what stocks return compared to a HYSA. A good HYSA does 4%, at best. VOO is up 11% this year so far and 16% on the 1 year. That’s 4 times the return for a low risk index fund. Baby boomers and GenX know this trick and how to make generational wealth from index funds.

Helpful-Staff9562

You realise there are more countries in the workd than just the US? Add international, a sinple VT strategy amd go live your life

GaylrdFocker

>I just made my first buy to push one of my holdings... Why do you have multiple holdings if you are using such low amounts. Just put everything into 1 diversified fund like VT or VTI. It will build quicker than spreading it out over multiple funds

GaylrdFocker

VT and QQQM >$250k I'll still put in some stock picks and cash for dip buying. Timing the market usually doesn't work out in your favor. What if it's never this cheap again?

amg-rx7

I’d look for the equivalent of VOO VT or VTI available to you

luckysharms93

VT is your all world index (ie XEQT with way less TSX) and EWC is a US listed TSX index fund so you can just buy VT + EWC

doro_theea

VT and forget about it. That's pretty much the US equivalent of your XEQT approach. Don't overthink it

DeeperThenDeep

OP you could easily do VT and go enjoy life If you want that added risk/return pick a factor tilt you have a strong conviction in like momentum (SPMO/IDMO) or value (AVUV) and keep it between 10%-20%

Scar1203

Invest in VT every month for the next four decades.

RuchNZ

Also prefer SPMO over QQQM, as the momentum index has a proven record over decades and isn't stuck buying a particular industry. Personally VT+SPMO+IDMO for a more complete and diversified portfolio with an aggressive tilt.

fozzy71

\- [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) \- [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) I would suggest you just go all in on VT, which is \~60/40 US/ex-US, or go with VTI/VXUS at whichever ratio you feel best with. I am currently 80/20 US vs. ex-US. There is no need to put each ETF in its own sub-account of your main account.

D-Falcon-07

Check some ETFs like VT, VOO, etc.

srfdriver99

At which point as you track things through the entire supply chain you basically just wind up buying VT.

Repulsive-War-2823

You've got 100k in cash since you were 26 and you have 200k in tech stocks. Id say just automate the dca into VT and dont overthink things too much. You already took more risk with the tech picks.

rawrlionsrawr

100% VT and chill

ljl1986

Buy VT.. that is all

ethereal3xp

If Tech can't grow. SPY or VT will have a tough time growing. Thats just how it is these days.

ArtisticAside8224

Pick 10 companies - allocate 50% to them. Rest in VT. See how that goes

Degrasi

VT is the safest but I prefer VOO.

pembaThePanda

Not OP, but general question. I sold all of my holdings in SNDK (yes, early I know but made good profits). Which ETF should I park 1.5m into? I want to get out of investments for a while. What's better between VT, VTI, etc.

axewoodsman

At this point going to wait til VT crash 20%.

xx123234

Sell all of them and buy VT

TreGet234

I'd prefer less, like 1.5x, and using futures is likely more optimal, but based on what's said on r / LETFS it should really be superior in the long run. The big issue is that you kinda have to wait to withdraw until we get a multi year rally period where the compounding goes crazy. In-between the bleed is bad enough and the big crashes bad enough for it to be a very precarious ride. Maybe 2x VT?

Atlantis_Island

A couple years ago I got gifted a subscription to Kiplingers. It's a mixture of personal finance and investing advice. I enjoyed reading it and it introduced me to some ideas I hadn't thought of. I only VT and chill now so I haven't had a subscription lately, but I'm getting close to my FIRE number and will probably give it a go again when I start thinking about pulling the plug on working full time.

nicolas_06

A world ETF like VT has already: * 30% in tech sector * 13% more specificaly in the chip sector (with among others 4% Nvidia , 1.5% TSMC, 1.5% Broadcom, 0.8% micron, 0.7% samsung, 0.7% AMD, 0.55 ASML, 0.55 SK Hynix and a few other) * 3.3% Google * 2.3% Amazon Honestly just take VT. Much simpler to handle, much less involved and it will automatically pick the winners without you having to make a bit as of why Google is better than Microsoft or Meta that maybe in 5 years it will be more bio tech or whatever. This isn't even like what you selected will even make a difference.

Wooden-Broccoli-913

How much more complicated is holding VT?

90403scompany

Why have a [second post](https://www.reddit.com/r/investing/comments/1w7iv7o/comment/p7wqpd1/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) in so many days about this? I agree with u/hammsfam; you need to [VT and chill](https://www.reddit.com/r/investing/comments/1w7iv7o/comment/p7wqpd1/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button).

__redruM

Depending on your risk tollerance, SGOV, VT, VOO, or QQQ, or some split between the group.

AlphaDomain

My advice isn’t the most optimal, it reduces risk, monthly expenses, and reduces mental load (one less bill to deal with). Pay the car off. Keep the rest as an emergency fund, setup automatic investments on a weekly or monthly schedule. VT, VTI are solid choices to invest into long term.

pket214

If VOO tanks we have bigger problems. However if we see a decline that just means it’s on sale and I’ll load up even more. If you’re actively reading this on Reddit (you’re 18-60 probably) we will see a recession in our lifetime. I have cash set aside waiting for this to happen to dump into the market. VOO/VTI/VT etc you can’t go wrong to continue to buy no matter what

thetreece

The default starting position should be the market cap weighted global portfolio. Such as VT, VTWAX, etc. Deviations from that should have defensible justification that can stand up to real scrutiny. Things like a home country bias, adding factor tilts, etc.

GaylrdFocker

IRA. You don't need FISVX if you have FSKAX (already has Small cap value). Just keep the FSKAX/FZILX. But why only use 1 zero fee fund? FZROX/FZILX or FSKAX/FTIHX. The zero fee funds have less stocks than the actual Total US and Total Intl funds. Brokerage is also overly complex. 80-90% VT and 10-20% QQQM if you want to be very aggressive

ToastSpangler

People are very negative but fundamentally think about this: how much does the average trader understand about stocks. 98% of people's understanding ends at, buy VT or whatever in your 401k and forget about it So even when it comes out you're telling people "they made money doing that thing you also do but they did it unfairly". Technically true but that's like saying a baby collecting dog shit into a cupcake pan is baking as much as a Michelin chef putting mouse in a tray. So how are they even supposed to feel. They have no fucking understanding of how any of it works. And they want to make money too. So it rolls And the ones that don't invest call the 401k investors oppressors so why side with them, they'd be angry even if everyone traded fairly and got their daily gains

Fixitwithducttape42

Look into VT, the oversimplified version is your buying the stock market and the stocks are market weighted. So its in favor of US more today, when that changes it will favor those international stocks more. This is all fone automatically. Your no longer timing thr market like you want to do. You become the market.

DanTaude599

Fwiw, the hole is that you’re replacing a simple allocation with three timing signals whose thresholds and delays look fitted after the fact. In an IRA I’d pick a fixed NTSX/NTSI allocation you can hold for 10+ years, or stay with VT, because the Fed, CPI, and yield curve won’t reliably tell you when long bonds are about to help.

15pH

I roll hard with NTSX and NTSI. For anyone who wants treasuries in their portfolio, these funds are incredibly efficient. Under a normal yield spread, the Treasury futures have positive carry. The yield of the futures is more than the cost to borrow them. The Treasury sleeve of the fund is paying out cash that boosts the fund returns. When the curve is inverted, the Treasury sleeve has negative carry. It bleeds the fund returns. If I understand correctly, you are using the yield curve inversion as a flag for danger in the stock market, at which time you want to load up treasuries to bouy the otherwise crashing stock portfolio. IMO, you need to decide how confident you are that you can predict/time a stock crash like this. If you truly believe your signal is reliable, and you want to shift out of VT to add bonds, that makes perfect sense. But shifting VT to NTS* only sheds 10% of your stock exposure. You add bonds for ballast, yes, but you do so at a time where that bond leverage is particularly and specifically expensive. It seems like the more logical play would be to just drop VT and add VGIT. Believe in your thesis. If you don't think your crash signal is super reliable and you just want to have some modest hedge, then I would argue that logic means you should just carry NTS* all the time. That's me. These funds are awesome. Amazingly tax efficient, too, especially with the massive bond exposure. Throw them in a taxable account and chill. So much to love.

tfesmo

This seems less risky than pure VT to me, I'm only using it inside of an inverted treasury yield curve \*and\* the underlying interest/inflation conditions are beneficial to bonds. It's effectively a large bond hedge in exchange for a somewhat higher expense ratio with almost no growth lost. Are there hypothetical situations where this fails? Probably, that's why I'm asking. Historically I haven't found any. Losing 1% of my portfolio as insurance if the fed manages to hit a home run and manage a soft landing means I'm still doing great - that's a high percentile result for my overall ira, I am more concerned about shoring up the portfolio in low percentile situations. I did poke at managed futures but it seems like I lose significant portions of the equity engine and would need to time the market tighter, which I am not confident in doing. Reacting to to the treasury bond curve, federal interest rate, and the CPI works pretty well with this since bonds are legally inefficient and move predictably.

tfesmo

Why would I run NTSX/NTSI in that range? CPI doesn't drop sub 3.5% until September of 2023. One month delay for reporting. Curve un-inverts September 2024. Three month delay to verify it's a true recovery. [https://testfol.io/?s=l1jzThffgMd](https://testfol.io/?s=l1jzThffgMd) \~1% loss. Almost all of that is because we need to wait to make sure it's not a false positive. The previous three times this would trigger are 1989, 2000, and 2006, which is before [testfol.io](http://testfol.io) provides nsx ticker data. All of those ended up in full recessions and my python script sims show they provide pretty significant hedges vs sitting in VT. I'm not advocating for running NTS style funds all the time. I'm pointing out that it seems like they offer a strong asymmetrical hedge in specific macroeconomic conditions - you don't need to cherry pick ranges, you use rules based on interest rates and inflation that reflect how risky the underlying bond futures are.

Merouxsis

I actually haven't looked too closely between the differences of SPY and VOO, but I'll take a closer look, I thought they both tracked the S&P 500 but SPY had more liquidity. I will look into VT as well, thank!

metaridley18

\>>>I want to invest my money smartly for my future, but I just can't bring myself to follow the traditional investing advice of throwing a large portion of surplus income into the S&P 500, while I have very little confidence in this economy. K, you and every other 25 y.o. I'd still just recommend doing that. \>>>With all that being said, what are some ways for me to invest my money outside of the US economy and the dollar? I have done some research into International ETFs, but I would like to hear from the community at large. Sounds like you know the answer to your question already. VOO and chill, if you're gunshy about VOO, VT and chill.

tfesmo

Inflation was too high in 2022 for it to trigger, it waits for 2023. Backtest shows I lose a little less than 1% vs VT for the 2022-2024.

xXTylonXx

God to have a million...I'd park that shit in VT and just coast. OP is a fucking gambler

DaddyTheFatherCR

If you want bond exposure but do not need the income they're a great choice. I like the WT efficient series a lot. At the moment I'm really liking NTSD. No bonds but a capital efficient proxy to VT. If you like this theme, Return Stacked ETFs might be an option for you as well. RSSB for example.

hammsfam

You are a prime candidate for VT and chill

Cheesegasm

What's your CAGR over the years? And compare that with SPY or VT. If you don't know what CAGR is then I'd be worried.

zxc123zxc123

If you're bullish on USA? VOO If you're less bullish on USA? VT Simple as.

ilbuonsamaritano

Yeah the secret is to be millionaire and buy VT

MCMLXXXIV-FoX

In reference to GPUS, (datavault), you probably seen some posts about insiders bought recently, ignore it unless you want to be exit liquidity (it will get diluted) - They do not make any **G**raphics **P**rocessing **U**nits, (the dedicated component responsible for computer graphics, etc) - it's dog shit - It's not the next Nvidia, AMD, Intel (yes Intel used to make dedicated, non-integrated Graphic Cards.) - it's not a hold stock (it's not VT, VOO, VTI, etc, etc)

Scannerguy3000

Take the dividend aristocrats or kings, compare their growth over 5, 10 or more years compared to VT.

MeanLocalFriends

If serious: 1) you're young, not supposed to be rich yet  and you are supposed to blow out an account. 2) take care of yourself first, mate will follow naturally  3) most humans struggle with addiction.  Keep up the fight. 4) rock bottom is needed sometimes.  5) have an account that is VT and chill woth 90% of any new savings. Feed the goblin with the rest and dont sweat it. Theres hope.

One_Talk_3410

Went 90% short term treasuries back in May. Have been collecting and DCAing all interest back into longterm VT & BTC positions. I’m looking to buy heavily when the market cracks using a tranche strategy. 

kryndude

Okay, honestly I don't know anything rn. So at what point do I become qualified enough to make informed decisions about individual stocks? Do I need to understand all the technicalities of the industry, or does successful investing require a different skill set than actually working in that industry? Simply put, when can I go beyond VT and chill?

kryndude

Tbh I just got started and it's a fairly small amount of money that I didn't feel like it was worth diversifying yet. Once I go over 10k I'm considering 80% VT (equivalent) as core and 20% as home + growth tilt. Don't really have a methodology I have to admit.

vertigo88

Imagine you put this into VOO/VT instead of gambling it on marijuana.

NinjaTrader007

Thanks, I like this suggestion to have a rolling 2-3 year liquid fund that’s insulated from crashes and started integrating this into my plans by keeping a portion in bond ETFs like SGOV, VUSB and USFR while also keeping a 3, 5 and 7yr CD ladder. Most of the remaining stays invested long term in VT.