VT

TAckhouse1

People in the Boglehead sub invest in multiple ways. Some are all VOO, others add some international exposure, others are all in VT. There isn't one right answer. Given what 21plankton said, I think index fund investing would be a great strategy for them, allowing them to not miss out on the latest stocks, and requiring no research to know "what" to buy. As soon as I learned that something like 85% of active investors cannot beat SP500 returns over the long run (10+ years), I knew index fund investing was the right choice for me. If it's not for you, no worries. Wishing you the best.

Astronaut100

Yeah, you will have the rocketing stocks alongside thousands of losers which will drag them down to VOO returns if you’re lucky. The cult of VT is really obnoxious.

The-zKR0N0S

The best thing you can do is invest more this year than you did last year. Put it all in VT. Maximize it as much as you can.

Maximus77x

What would I do? I’d be firmly in the wealth accumulation stage. I’d be fully aggressive by going 100% stocks (or close to it). I’d shovel as much money as I could into a low-cost, broad-based index fund like VT until I started slowly adding BND as I got older and entered the wealth preservation phase.

swan797

VT, VTI, VOO, SPY can’t go wrong

drew-gen-x

Yeah, I'm 100% EFT's. I changed my entire strategy during the March 2026 sell-off. My port is currently $VXUS, $EWJ, $GLD, and $VT. I was down so much money from Feb to March that the only way I kept myself in the market and keep BTD was to just buy the whole damn world market and take the loss and sell all my individual stocks. It's worked out swimmingly as I am so much more stress free.

West_Flounder2840

I’m 34. All in VT equivalents in all my retirement accounts. I use FFNOX which is marginally less aggressive in my taxable brokerage accounts for short-medium term savings.

InclinationCompass

100% in VT then start adding bonds 5-6 years before retirement

Delicious_Put_5857

not sure if this is what ur asking but when the trading accts hit a threshold i move some $ into a safer VT account. and when the safer account hits a certain level i raise the threshold in the trading accs.

15pH

Say you spend 100 hours learning trading strategies like options. If you could get an extra 1% returns at that point, you would be a famous prodigy. 1% of your $20k is $200. Working part time during that 100 hours is worth like $1000-$2000. Getting started is all about living lean and hustling hard. Use a boring diversified fund like VT or target date 2060 and just pump it as hard as you can. Get that ball rolling!

siboq

This is why I’ve moved most of my investment portfolio into VT. It won’t make me as rich but it will ride the storms well enough for my risk tolerance.

slammelon

The best time to invest is yesterday. The second-best time is today. Just put it in VOO, VT, or SPY and relax. Chances are that unless the market crashes tomorrow, you will lose more by waiting for a dip than investing and getting gains between now the dip.

datadogsoup

Too complicated. I doubt this mix would outperform VT + BND really. Probably purposefully to make it look complex. I would suggest selling it all out and yolo 0 dte SPY calls or no balls

FarBack5807

The allocation doesn’t matter, it’s such a small part of VT, which is the entire world stock market. I could care less when SPCX gets added, what matters is that its float adjusted.

drew-gen-x

Not I. If the market wants to bid up the DXY b/c the new Fed Sheriff is gonna talk a tough game w/ no action I will use these inflated USD to buy more $VXUS, $VT, and $GLD. Jawboning is the final tool left in the Fed's so called toolbox.

BlankChecker

Avoid options and single stocks in the future. Stick to VT (every publically traded company on earth) or VOO/VTI and DCA like a grandpa. If that somhow hits $0, then the world is literally ending and poverty dosn't matter anymore.

drew-gen-x

I fail to see how the KW Fed presser is ralliyng the DXY or King Dollar above 100.55. I just BTD in the usual suspects. $VXUS, $VT, and $GLD.

Legaon

Anybody expect a (significant US stock market dump), on Monday? Because as of (June 17, 2026). —>VXUS = up by (0.80%) —>VTI = down by (0.10%) —>VT = up by (0.20%) International equities/companies = up. US equities/companies = down. —>US + Iran agreement — to be physically signed on (June 19, 2026). This Friday

Emotional-Power-7242

Theoretically they have the same growth potential, or VT has slightly more because generally lower P/E = higher expected return. And VT is lowernrisk as it is more diversified. So it's the better choice. VOO has returned more over the last 20 years but that doesn't say anything about the next 20 years.

SensitiveAct551

Time in the Market beats timing the market. I would start putting money in now into something like VT. Maybe do 25% month for the next 4 months the money you want to save long term as in 20 + years. The money you will need in 5 -7 years you might want to invest Treasuries. Look at something like CSHI it is the NEOS t-bills cc fund that pays around 4.5%. Best of luck. Note I’m not a financial advisor and only giving suggestions based on my own life style. Each persons situation is different. You might want to go to an actual advisor for best practices.

rollin20s

Get back into total market EFTS - VT, VTI, VOO. VXUS for international exposure if you don’t go VT. Hold for 20+ years and won’t even think about the gains you missed out on this past year. Obligatory cliche - time in the market beats timing the market

brooklynschino

HYSA + ROTH ($VT, $SCHD) … is all you need. Thank me later.

lies_cat

[IllllIIlIllIllllIlll](https://www.reddit.com/user/IllllIIlIllIllllIlll/): Actually, VT and VOO had similar returns over a long time. Almost all the outperform comes from the last decade. You: Nah, VOO will yield more returns because that is what it did in the past (last 10 years, LOL). All of you don't really think, do you? Maybe you get lucky and VOO outperforms, but there is nothing supporting it other than recency bias. Like another commenter in this post said: One beautiful day Nvidia and SpaceX will be 90% of global market cap I would not be on that. Even if it happened, that doesn't seem like a good future.

HotTruth999

There is one simple answer. Don’t try to time the market. Maintain a mix. A mix of safe investments like CDs, treasuries, bonds, and less safe like stocks including ETFs. Investors/savers at all ages should have a mix. People like your dad should have something like 50/50 stocks/safe. Or 60/40 or 70/30 or 40/60 or 30/70 or whatever lets him sleep at night in volatile markets. But the min stock allocation should be 30%. This way he is liquid when the market is down and he’s never forced to sell. Yet he still benefits from bull markets albeit at a lower rate than younger people. People in their 20s should start with a more aggressive mix (95/5 to 80/20) stocks/safe because they have much more time to ride out periods of stock underperformance. Within the stock/ETF portion of your mix one could decide to buy just a single ETF like VT. That covers the world. Thousands of stocks. It’s got one of the lowest fees. It will beat 90% of individual stock pickers over a long period. It’s simple. You never have to buy or sell anything. You just rebalance to your chosen mix between stocks and safe once a year. As you age and slowly build your wealth you increase your safe % but you don’t change it every minute. I personally changed it every 2-3 years. If growing your wealth slowly is too boring for you can pick a mix of stocks and ETFs instead of VT. Some safer dividend payers. Some growth. Some speculation. You can do this in buckets or all in one account. You’ll probably not beat VT over a long period and that’s ok. But however you do it make sure your savings/investments are spread across traditional IRA, Roth IRA, and cash accounts in such a way so that you can withdraw it when the time comes to minimize your taxes and maximize what you keep. That’s a whole other topic. With this strategy you get to benefit from head scratching up market periods like 2026 yet still have plenty of safety when we get a -35% year. I started doing this 25 years ago a few years after I immigrated here and after I bought my home. I was able to build my retirement slowly to a few million using this strategy. I know it could have been double that but I am OK with that because I recognize this past 15 years has been one of the best 15 year periods in the last 100 years. Third only to the post world war II boom and to the 15 years leading up to the internet bubble bust in 2000. I was lucky but I was not greedy. I hope you are as lucky.

NerdSlamPo

Why not both? I split VT/VOO 70/30 at the moment. Probably going to keep the split but put more of my overall portfolio into them

NerdSlamPo

I’m doing the same. VT superior imo

Informal_Bench_7219

Gonna become a boring ETF bag holder. VT or VOOG?

Gabers49

I would personally look at VT over SPY and helps to diversify a little away from the crazy AI values in SPY

Odd-Flower2744

Academically I’d argue VT, international allocation important, past returns do not indicate future results, etc but personally find jf hard to stomach so I do VOO and VXUS with lighter international but you’re probably fine either way.

zxc123zxc123

You mean VOO. VT is getting SPCX allocation immediately. S&P500 will wait until it can meet the 1 year profitability requirement. At earliest summer 2027. Meanwhile VOO is heavily concentrated in GOOG/GOOGL/BRK/BAC. GOOG/BAC who bought into SPCX at a way lower price pre-pandemic. BRK who has shares in GOOG/BAC. Then JPM/BLK/GS/MS who will make money off the SPCX ipo. The real winners are those dumping the bags or making money as the middle men.

AbsolutGuacaholic

Can't get back in? Just buy as many shares of VT or SCHB that you are comfortable with and move on with your life.

KristyKae-12

My 03 CRV is well over 300K and not rusted out in VT. I replaced it with a 4 year old RAV-4 (2014 bought 2018) with 35K knowing the electrics and other will die before the engine. I hate buying cars so I buy ones that go decades.

TortugaTurtle47

I do VTI and VXUS instead of VT.

FarBack5807

Good day to be a VT investor 😅 I should’ve specified index as in S&P or total world, not Nasdaq

Evaderofdoom

Index funds like VT, invest in the entire market and don't gamble on individual stocks.

w0rlds

Don't listen to them (or the greedy voice inside your head). Get out and drop it into VT. You can spend the rest of your life telling people you beat the stock market and got out alive. Don't listen to these regards.

Successful_Town_759

VT and chill

Ok-Sheepherder7898

I think VT is fine. It really depends on what you think the world will do vs US in the next 30 years. Not very easy to predict! If you really want VOO then you can do 50% VOO 50% VT with future contributions.

hugh2018

I said nothing about drawing income from bonds and that isn't the way my plan works even by the wildest interpretation. The guaranteed floor of social security and annuity isn't lying about being guaranteed. It's guaranteed. The TIPS ETF ladder is also guaranteed (and inflation adjusted). The remainder of my income, on which I don't have to rely to keep the lights on, has to come from whatever asset or combination of assets are holding up well at the time of withdrawal, just like any other person, including you, who has money invested in the market on any level. There are several issues with your comments. First, VTIP and the TIPS ETF ladder are inflation protected by definition, so that hedge is built in to my plan and your analysis of my plan's inflation resilience is way off the mark. VT also combines with those two elements to create a comprehensive inflation defense. The VTIP and TIPS provide a direct, mathematically guaranteed adjustment to unexpected short-term spikes in consumer prices, and the global equity exposure of VT acts as a long-term growth engine capable of outpacing persistent inflation over decades. As you know, I'm weighing the impact of reducing the inflation protection a bit by moving VTIP to a MYGA, but the risk is muted, as the MYGA returns are going to beat most inflation regimes anyway. Second, diversity is not an issue in a growth engine that has VT as its foundation. It literally owns a market-cap-weighted slice of over 10,000 corporate entities operating across both developed and emerging markets in the US and abroad. It's an absolute model of broad diversity. Your portfolio, in contrast, suffers from severe sector and structural concentration, leaving it highly vulnerable to specific economic shocks. By crowding capital into niche closed-end funds, actively managed credit instruments, and derivative-heavy overlay strategies, this mix completely lacks the true global diversification found in a total market index. Third, you're displaying a fundamental misunderstanding of total return versus yield extraction. High-yield dividend funds and derivative-based income strategies do not generate wealth out of thin air; rather, they strip equity value from the underlying assets to distribute it as cash, or they take on highly concentrated credit and structural risks. Over long investment horizons, this creates a profound drag on total return compared to a total market index fund.

Machine8851

I think AVLV is a good hedge if you have riskier funds such as SMH or SOXX, not broad based funds such as VT or VOO.

spacmann

Have the index funds already bought in? Don't they have to wait until SPCX is actually getting added to the indexes? From memory, that's 15 trading days for Nasdaq, and 5 trading days to be included in VT/VTI of Vanguard.

Machine8851

VT is well diversified, but VOO will outperform VT long term as it already has in the past. It really comes down to; do you want more diversification with VT or higher long term returns with VOO. I think most would choose higher returns and choose VOO.

pandadogunited

VT is an index of over 10,000 companies. QQQ has 100. Using raw percents overstates the difference in weighting methodology. QQQ will be weighting SpaceX as having a market cap three times what VT and VTI will, not seven. Either way, all three funds will be forced to buy, not just QQQ, and all three will be adjusting for float.

throwaway-4748329472

It’s all hyper dependent on the individual and their circumstances. Ignoring PE ratios and CAPE and always putting new cash flow into a broad index will work over a long 20+ year time horizon. Life is not the simple, kids happen, people get sick, homes have emergencies. Some people don’t want to have to go through that and watch their porfolio be cut in half at the same time. Other asset classes smooth that volatility. You’re absolutely allowed to change your allocation based on your life situation. At current prices it’s almost guaranteed we will experience a 20%+ drawdown year in equities somewhere in the next 10 years. It’s also almost guaranteed that your CAGR in VTI over 20 years will not be lower than 7%. Not everyone is built to have that 20 year vision when just lost half your net worth. From a purely mathematical standpoint for terminal wealth, you’re right. But also math studies have also shown it’s even MORE efficient to use 2x leverage, over the course of 20+ years you will outgrow the interest you paid for the leverage. But now you have to stomach potentially 70-80% drawdowns, but throughout the entire history of the SP500 it has produced outsized gains vs just SP500 over every 20 year period. Why don’t you do that? Probably because it requires an insane amount of risk tolerance That being said. I agree VTI (or VT) and chill is the strategy 80%+ of people should be using

Axe_Raider

QQQ will be about 0.7% where VT will be around 0.11%. https://www.reddit.com/r/Bogleheads/comments/1tnd5ob/spacex_and_openai_in_major_indexes/ it's surprisingly hard to get a business journalist to give a citation here.

Bob_the_peasant

The top trade on the new WSB app thingy is VT 💀

Ahamadrayasbaboon

Yes, but it is overblown on Reddit by people with an agenda. See breakdown below.  Most 401k providers default to a target date fund. Most of those will have a very small amount of SPCX after inclusion. I think a fraction of a percent. Maybe as low as a few hundredths of a percent. You can look up how Vanguard ones are structured.  QQQ will have an unusually large amount of SPCX, likely single digit percent. But any 401k that offers QQQ will have other funds to choose from, such as: VT/total world: Fraction of a percent.  VTI/total US: Fraction of a percent, maybe up to one or two percent.  SP500: Zero. Probably the most popular in a 401k after target date funds.   US large cap: maybe single digit percent Mid cap: zero Small cap: zero Value blend: zero Growth blend: probably similar to QQQ Govt bond fund: zero.  Foreign equity blend: zero.  My own 401k, through Voya, will have zero.  

Delicious_Put_5857

the "top trade" is VT shares we used to be a subreddit

kepano808

VT is very good, but if you decide to move to VOO then add VXUS. That being said, VT = VOO + VXUS. The difference is that you get to manage the percentage of market mix.

IllllIIlIllIllllIlll

What kind of ass-backward reasoning is that lol. Obviously with VOO you won't underperform the S&P 500 because that's literally the index it tracks. I don't see why that's at all relevant. VT "historically" does not underperform. History did not start in 2010. Historically, VT and SPY have had very similar returns and risk-adjusted returns. [https://i.imgur.com/TnwIXTP.png](https://i.imgur.com/TnwIXTP.png) It's only since 2010 that VOO started overperforming, just like from 1993 to 2001 it was also overperforming, and guess what happened next. The longer VOO overperforms VT, the more likely it is that it will stop overperforming. If VOO was constantly outperforming VT, it would mean that eventually the US stock market would be 99.9% of the world's economy, which will obviously not happen.

Rav_3d

VOO is highly likely to outperform VT over the longer term.

HoneyBadger552

wide exposure. cheap expense ratio. VT is fine. if you want more risk there is always "factor based" investing but thats getting down in the weeds of things

Machine8851

I would go with VOO because at least you'll know you wont underperform the sp500 index. With VT, historically long term it underperformers due to the high percentage of international. The one plus of VT is thats its more diversified but could also mean lower returns.

project3way

I did this for my Roth the first year I started to contribute to it. Just $250/week into VOO. Now I just do it per paycheck instead ( every two weeks) and double the amount but same concept and into VT instead for reasons. It’s boring, but it works.

Beautiful_Benefit319

VT is fine. You have wide exposure which is great. Stay consistent and you will have a very nice nest egg

alzhang8

VT and chill, buy more on the way down

TheJustinG2002

Notice how everyone’s saying VOO? That’s all you need to know. And for some personal sprinkle, add VT and you’re set.

therealjerseytom

What if VT has the higher growth potential over the next decade or so? 🤔

cuddlyviola_7

yow starting at 36 doesnt mean you need to ditch VT for VOO, since total global diversification is still an awesome strategy. so stick with VT for a worry free setup, and only switch to VOO if you want to bet solely on big U.S. tech companies.

mr_brobot__

You could buy something like BRK.B or a value etf but honestly I would just stick with VTI or VT

AceMaxAceMax

VTI/VXUS or VT. The end.

bofoshow51

Starting at 35 is actually the average, and about $1000 a month is a really great start! You should focus first on maxing your retirement accounts, certainly your Roth IRA, before prioritizing a taxable account. You only do taxable after getting all that advantage juice from the other first, or you plan to FIRE and know exactly how much you need in a taxable to tide you over til you can withdraw from retirement accounts. Way way way better to auto set to low cost broad market index funds like VOO. I highly recommend doing a mix of US and International, so VOO/VTI + VXUS, or even simpler just VT. VT and chill on auto is truly the statistically best way to get your money working for you long term. The best time to start was yesterday, the second best time is right now. Congrats, and keep it up!

nupper84

VT so he can learn how investing works. Be a good parent.

spicyhotdishisgreat

Just put everything in VT, most people don’t beat the broad market index funds over lifetime. And VT is as broad as they come.

ChucktheDuckRecruits

VT and never have to worry about anything

Maximus77x

I’d personally just keep going with all VT. Ultimate simplicity. VOO is totally fine too—the important thing is that you’re shoveling in as much as you can.

redditissocoolyoyo

Here is some enlightenment for you. 250 a week, automatically contributed to your investment account. For 30 years (you'll be 65 when you retire) will be about $1.8 million. The key here is make sure it's automated. Auto withdrawn from your bank account and into your brokerage account. Set it and forget it. The only reason to check once every few months is to make sure the automation is still functioning as it should. Ignore all the noise of the markets. If you mess around with it too much, or start to let the corrections make your decisions to withdraw or pause, you'll be fkd. Do VOO, or with SWPPX, do some VT, a few... Doesn't hurt to mix it up. I've done it automatically, for like 20 years or so now, through the great recession, the wars, COVID, etc...just leave it alone to automate.

tang-tw

Voo or VT are both good choices.

zenyogi2025

All Avantis ETFs performed better than VOO recently, especcially with international, so not sure what you mean value is underperforming... Also Value doesn't need to outperform growth. Keeping some portion in value gives stability to the total portfolio, when the mag7 swing wildly. Having 50% value and 50% growth always beats sp500 alone and ride is smoother than only VOO or VT.

magicscientist24

Teach him how to invest the right way and throw it all at VT.

jeussbsisn

Hello everyone I’m 19m and I just maxed out my Roth IRA for the year with some savings. I’m planning on doing a 70/30 split with FXAIX and VT, do you think it would be a better idea to buy in smaller chunks though out the year or all at once right now?

DuckLIT122000

Try to keep some amount of money available as an emergency fund. For better returns on your savings, you can put it into a money market. If you know nothing about investing, I would recommend only using a website instead of getting an app so you don't look at it as often. The goal is long term growth, so no reason to look at it frequently and potentially get scared into selling when the market is down. Like people said, VOO/SPYM/VTI/VT are very safe long term investments. Keep in mind that IRA contributions are limited to your earned income, so if you are not working, you'll have to use a normal brokerage account.

Immediate_Bar3496

Low cost, globally diversified, total market index funds. VT is the one I use. Literally a single ETF portfolio. And I do it not as a beginner but someone with over a decade of investing experience and active research.

Kitchen_Steak8218

Let's go all in then. What other stocks with VOO? VT?

yeeticusdeletus

I need some advice/reassurance I guess? I’ve started the whole investing journey about a month ago now. Had the expected happiness when it went yo, and the absolute depression when it went down. Now, I’ve been reading up a bit more and want to learn. I’m currently 90% S&P (VOO) and 10% Nasdaq (QQQ). I’m non US and non EU. Should i bother changing from VOO to VUAA for my next round of buying? Or is the difference marginal enough? Also, should I go for more of a 70/30 split US/International? If so, VT?

vertigo88

Reddit has predicted 700 of the last 3 crashes. A broken clock is right twice a day. Ignore the noise and just buy VT.

NoAssumptionCat

Pick the ones which have a loss and sell those, will offset some of your gains. Eventually you don’t want to have all this money in 1 company so diversify in something you belief in (VT, QQQ, …).

TreGet234

Gold, bonds, VT to reduce beta. And some tbills.

Ahamadrayasbaboon

Buy VT and SGOV, delete apps (reddit and brokerage), go on vacation, get laid, go skydiving, ride motorcycles, hit gym, reinstall app in a month, start fucking around in another month if you still want to. 

Mr_Baloon_hands

That’s a great start. Add some VOO or VUG mixed in with VT. Single stocks can be very profitable but can also lose you a lot. Index funds are a lot less risky and it’s hard to beat them in the long run. At 22 you need to be thinking 40 year return not 1 year or 2 year.

PsychedelicConvict

A total world index fund. With both usa and international exposure. VT (vanguard total world stock etc) literally has all the exposure you need. You dont need to sell if you dont want to. Just start building a new position. Dont worry about bonds or fixed income until ur close to retirement. One of my biggest mistakes investing has been not taking profit. Great work!

OxRedOx

Long term index funds, don’t worry about timing. If you can’t stop worrying then invest it in chunks but in the same things ( VTI, VT, DIA, QQQ, VTWO). If you might need some of it in the next year or two then put that amount in SGOV or BOXX because those are fixed gains with no volatility. Don’t worry about a crash imo, it could fall 10% and it would likely be a wash in two years, especially when you consider that the crash could take another year.

RL056

Yeah, this is the most obvious and risk-managed take. My question would be why not Nasdaq given it outperformed VT/S&P for long stretches (10y+)?

-ReasonableDoubt

Looks like you're seeking alpha Aside from the gold and silver, most of this won't provide enough alpha to make it worth the risk vs going all SP500/VT SP500/VT will largely move together in the short term with dollar weakening vs other currencies, but long term ex-US exposure provides asset diversity that somewhat hedges a weakening dollar Consider keeping your retirement focused on diversifying asset exposure generally -- primarily stocks and home equity, with some cash, gold, cash alternatives When you go for alpha, keep it limited to 2-3% of your portfolio and (ideally) never sell it... e.g. bought $2000 of Apple in 1999 based on hunch that personal computing would go from niche hobby to global standard

zachmoe

Honestly, probably better than most, you at least got some gold exposure, and even international. Can probably just roll the equities into VT like the other commenter suggested and it would be less messy. My critique is you need a whole lot more FRNs and a small amount of long dated bonds, and a small amount of bitcoin.

Laakhesis

My take is buy $VT and sleep like a baby because you ain't no Warren Buffett.

PoopyisSmelly

Which is why owning VOO, VTI, or VT is a good decision. Youll own about 60% growth anyway, and if value does better you are benefitting from that.

sabedo

This is true They talk about S&P 500 VOO like it's the Bible when it's clear America is falling to pieces I prefer total market funds like VT or AOA

jaydee288

VT\*

brimbopolous

I didn't say my first priority is to never lose any money, which, btw I'm also losing due to opportunity cost when holding cash. What I'm saying is that protecting against permanent loss of capital is more important for me than maximizing gains. So I'll often accept to lose out on some potential short term gains to adopt a more defensive posture, especially when my perception of risk is higher. You make money long term not only by maximizing gains, but also by minimizing losses. There is a range of investment strategies that goes from more agressive to more defensive. Not everything is VT and chill lmao

Informal-Lime6396

Is it not already taxed? If you have a long investing horizon, consider doing sector ETFs on what's hot for the past few years e.g. tech and semiconductors. Once their cycle is over, it's tax free to sell and switch to another fund. I really dislike the bad advice of VOO/VT and chill for people who are decades away from using it.

TechnicalSleep7501

As a millionaire I will say keep $100K as emergency fund/dry powder. Max out Roth with 100% VT. Use Jack Bogle 3 fund portfolio for brokerage and dollar cost average.

BeuTaude588

worth being clear about the comparison the other commenter made; a target date fund underperforming VOO over five years is mostly the bonds and international it holds by design, not a flaw. youre paying a small return drag in exchange for never having to make a decision or rebalance, which for a hands-off IRA is a fair trade. if you genuinely want all equities thats a different choice, but then the honest comparison is VT, not a dated fund.

ZenBoyNothingHead

I was in a similar situation a few years ago. I think you have a few safe options to consider. 1. As advised above, get an advisor. I used schwab because it was relatively cheap to get a human advisor. They constructed a balanced portfolio based in my goals and had quarterly calls with me to explain what moves they're making. What I LOVED about this is it gave me a human to ask a million questions to so I could understand their approach. After the first year of questions and research, I started doing this on my own and saved the management fee. It's not too expensive though so highly recommended as a good way to start. 2. Robo investing accounts. Super easy to get started. Put your money in, it buys a balanced portfolio. I also tested this with schwab around the same time and honestly, it's performed pretty close to my whole strategy. It takes a slightly more conservative approach than I personally do, but returns have been good for me. It's also 100% set it and forget it. Fees it's of course cheaper than a human. Schwab makes money by keeping a portion of your portfolio in cash (5-8% I think). Then they make money by putting that in money market accounts. So you don't pay, but a portion of your portfolio doesn't make additional money. Fair enough in my view. 3. The lowest cost option is VT. Vanguard total world. Buy it and close your eyes. But, do keep in mind this is still an equity position, although a very diversified one. Depending when you might need the money, if the market goes down the next two years, it might hurt you to withdraw from this. So that's how I'd think about this. Congrats and also I'm sorry to hear about your inherence. It can be a tough and confusing time. Good luck on the journey you're embarking on. I remember feeling very overwhelmed and intimidated to do all of this at this time of life. There are good options though and it'll get easy eventually. Then it'll get fun. Promise.

Flayum

Why VOO instead of VTI or VT?

TreGet234

Honestly 5% on bonds ain't so bad. VT hasn't done too swimmingly and i would love to see how poor performance actually is if we remove tech.

GelatinGhost

True Bogleheads with VT or VTI are fine. Unfortunately I fucked up by having a good amount of qqqm in a taxable account and I can't easily change it now.

dumblehead

Or VT

GaylrdFocker

>My portfolio only has VOO but I would love to add growth/value stocks in the future. What deters me are the classic stats of no one beats the index funds So keep doing index funds. Use VTI instead of VOO to add small/mid cap and VXUS for international. Or keep VOO and add VT for everything in 1 fund. The VOO you have will just mean you're slightly overweight on Large Cap but that's not a big deal.

fozzy71

>Is 5% SOXQ + 5% VGT too much overlap? [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) >Is 15% AVUV too much for small-cap value? I hold 5% AVUV myself, but I have a lot of other small satellite tilts for growth, momentum, value, etc for the US beyond my 50-55% US core. >Is 20% VXUS enough international? I target 25% exUS. If you look at VT for market-weight, US:exUS is currently about 59:41 - [https://etfdb.com/etf/VT/#charts](https://etfdb.com/etf/VT/#charts)