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
VT and chill, there's no point in predicting when most people get wrong and underestimate how resilient the market can be. Not saying we might not have more downturn, but I still remember in January 2023 when every so called expert was convinced that the year was going to end badly and most of them were wrong. Predicting the market is very difficult and it doesn't behave like you think it will which is why I love John Bogle's quote when it comes to turbulent market "Don't do anything just stand there.".
So you have 30% of your NW in one company, and 70% at a 45/55 equity/fixed split. Your overall portfolio is then 61.5/38.5 equity/fixed and a full half of the equity is in just one company. While the asset type split is pretty conservative, that much in one stock is not really defensive at all no matter how much you have in fixed, personally I would trade all of that for a total global market fund like VT if I were you. If you just can't bear to part with it all, I would keep at most 5% max in any one stock. Also consider since this company you work at is a Fortune 100 then there is likely a lot of it in the indexes already so your actual allocation to it is higher than the 30% you have in it alone. And you also depend on it for current income - if it hits the skids, you're in for a double whammy.
PE is definitely saturating so put all your eggs in one stock or diversify, I would take VOO or VT.
That's why I don't time this shit and simply invest in a market index ETF like VT (it can be VOO or VTI if you want). Most people time the market poorly and the stats prove it. A regular investor usually underperforms the market by a big margin, mostly for the same reasons you mentioned.
The best you can do is to buy VT and sell $2500 worth of shares each month
Investing is like watching a tree grow. No emotion, no excitement. Buy VT etf, work and forget it. Remember at retirement and start selling 4% of your wallet each year.
Don't take his advice. It's terrible. Unless he made a typo and meant VTI, VT is actually a super low-performing etf with average real returns of about 4% per year. That's essentially the equivalent of your 6.7% mortgage. But here's the kicker. There is zero volatility to your net worth if you opt to pay down the mortgage rather than invest. Also, no taxes on mortgage savings
Don't listen to him. Pay all into mortgage. VT is a super low-performing etf. Just google sometime SP500 index vs VT etf and use the compare function on the graph. You'll see what I mean. And you have to pay taxes on your earnings there. No taxes paid on your mortgage savings
I would DCA 50 percent into VT and 50 percent into mortgage. It’s impossible to know which will turn out to be a better investment.
I'm only $20 away from my VT being green... So expect -30% tomorrow
Be nice to know your allocations but considering your time horizon I would probably buy VT.
I'd start here: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level. More bonds equals less risk. Alternatively, a target date (index) fund is 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. Just about every company would be represented in either the US total market or international market sections of that, or VT (2 letters) covers both stock roles in 1 fund. Then if 100% stock isn't enough for you, there's factor investing (I think I provided those links in another reply already) and possibly the use of certain types of leverage (I myself wouldn't use the 2x or 3x daily, but rather the "returns stacking" ideas like RSSB or NTSX/NTSI/NTSE but you can look into the different types yourself).
If you don’t mind, what would you recommend ? You’re the only one constantly giving actual answers. I have some ETFs covering the Russell 3000, some on the s&p 100, some like VT and VTI which you can index how you’d like and of course some for the S&P 500 which are the ones I started with. With that I have stocks such as WM, WMT, DUK, COST, GOOGL, META, etc with track records I believe to be continuing as time passings MSFT for example has a great set up, GOOGL is cheap, and well. Given this, what do you see wrong. Especially considering you think adding VT and VTI along with others is poor planning.
>But it performs so ahh You're making the mistake of thinking that past returns are a good indicator of future returns. That isn't the case. In fact, if there is any relation it can be the opposite way of how you think: Historically, the better the previous 10 years were, it seems the worse the next 10 years generally were: https://www.lazyportfolioetf.com/allocation/us-stocks-rolling-returns/ scroll down to “Previous vs subsequent Returns” (I do wish this had an r^2 measure) >I personally like QQQ, and VOO more Because you're committing a common behavioral mistake: recency bias/performance chasing. Yesterday's winners can easily fall out of favor and not be tomorrow's winners. >but I also buy VTI, VT and some other ones. This often shows a poor lack of portfolio planning.
Wasn't trying to be rude, couldn't quite sure of what you meant when I read your previous response. It wasn't clear to me that you were suggesting it as an alternative to VOO, I am sorry I mistook it to indicate you thought $VT would always be a better route than single stock investment. The rest of my post can just be seen as adding to my earlier statement, not as lecturing you I have done very well following key secular megatrends and understanding geopolitical context as driving my own investing strategy. Sometimes that definitely means buying on scary headlines when the implications of those headlines are misunderstood and exaggerated.
But it performs so ahh. I personally like QQQ, and VOO more but I also buy VTI, VT and some other ones.
But it also wins less. I have QQQ, VTI, VOO, and VT tho as well as some others because they match well together even if they overlap (which im currently focusing on the overlap ^)
$VT is the real “chill” index “Trust” is “priced in”, most of the most trusted stocks are gone or underperformed since ether peak “trust”
$VT is better, especially for volatility of a all stock portfolio
$VT (global) is the relax ETF. Adjusted for volatility it outperforms SP500 which requires holding bonds for volatility after 40
Buy shares of VT, that way you invest in thousands of companies spanning many countries. See r/bogleheads for more advice.
Ya im in Tbill etfs, hysa and money market funds at the moment until we see how everything pans out but I'll probably go into fidelity version of VT afterwards.
I was VTI and chill for a long time, then switched to VT and chill around the election. Either way, I’m diversified and chill.
If you honestly never want to think about it again, put 12 months of your current expenses into BND and the rest into VT. Call it a day. For me that would be dumping 400K into VT and 50K into BND.
Put 100% of it in VT (total world index fund). Don't touch it and have a comfortable retirement.
Excellent advice, although VTI/VXUS or VT would be my pick. Regardless, you are doing the right thing asking for advice and trying to be strategic. This is a lot of money, and handled responsibly it could dramatically improve the timeline and quality of your retirement. Highly recommend r/Bogleheads. I have learned a TON from that sub.
VT. Holds every existing and future public company stock that “paid off big”, by definition. I invested far more than $10K in 2025 & contributed more over time.
Yes, if you purchase them via another stock market exchange (e.g. the Toronto Stock Exchange in Canadian dollars). For example, ZEQT or VEQT. If you just purchase VT it's in America dollars.
Global markets are always a hedge. VXUS or VT are two of the more common. Either are better than none.
Take a look at VT performance over the past 6 months and tell me if that fund's performance reconciles with your thesis.
VT is world. Are we suddenly discussing the world economy now?
Cash out, VT and chill. Millionaire in 10 years
VT or VTI/VXUS and chill...it's not worth trying to predict the future IMO. The ming the market is near impossible, you've got a get it right twice, and our lizard brains constantly push us to be irrational. Just my $0.02.
There is a VT ETF in the US which is a total world stock ETF if you really want to diversify.
>Im new in investing There’s an important lesson you should learn if you haven’t already. Most (some would argue all) public information is already priced in. What does this mean for you? Of course it seems like common sense that quantum computing will be an increasingly important sector in the future. But you aren’t the only one with this idea. Any sector-specific ETFs are going to already be priced based on the relative upside/downside potential and risk given what everybody already knows about these companies. You don’t know anything that the rest of the investing public doesn’t, and your entry price will reflect that. It’s obviously possible to consistently beat the market, but you either need to know something no one else knows, see something in data that no one else sees, or be lucky. And you still will probably not be able to do it long term. This is why it’s usually recommended that most investors stick with broad market indexes like SPY or VT. Best of luck.
By weight, currently over 80% of VTI is already the entirety of VOO. The rest is thousands of additional US companies. In investing, bigger doesn't always mean better. Though I wouldn't go US only, so consider using VT (2 letters) instead, or adding VXUS (or equivalent) to your pick of VTI/VOO. Essentially, VT = VTI + VXUS combined into one at global market cap weights.
I would do the core and satellite strategy where my money defaults to an index etf like VTI or VT or VOO. Then i would aim to acquire 20-30 stocks opening each position at 3% max of my portfolio and add if they go on sale or let the dividends reinvest.
VT is more diversified but yeah you got it right more or less.
It all depends on your goals and risk tolerance, but assuming you’ve got a decent grasp of both of those things - the best advice you can get is to stick to your plan over a 40 year or whatever horizon and avoid selling and buying based on market timing. It usually ends really poorly. Mirroring the concept of a TDF is usually a great idea. Being 80-10% equities (in highly diversified index funds like VT or VTI, etc) and 0-20% bonds/cash/treasuries usually makes sense in your 20s and 30s and maybe 40s and shifting to a lower equity position as you near retirement. That’s super broad / generic advice but it works really really well.
> Is anyone else thinking is withdrawing their entire portfolio until the Trump madness is done? It’d all very concerning, but no not even slightly > They dropped like 20-25%. Your portfolio should not be 100% stocks, much less heavily tech stocks, if you can’t experience a 20-25% drop without panic selling > As of today, Any single day is irrelevant. Any *year* is irrelevant for that matter. > I personally think the worst is yet to come That’s fear and emotion talking, not logic. As jack Bogle put it “time is your friend, impulse is your enemy > and who knows what the next wacky thing Trump will do and cause the stocks to crash again. Agreed, but so what? Your portfolio’s time horizon isn’t 1-4 years. > I'm thinking just to take the hit, and forego the profits I had a few months ago, and just sell all my US stocks and ETFs, as long as they are in profit (or close enough). Even though history has proven this to be a losing strategy time and time again? Not to mention the tax hit > Or am I crazy here? I mean you’re not crazy but yes you’re acting irrationally when it comes to sound investing principles. > I'll likely re-invest in the US tech stocks in the future when the market has calmed down or Trump is out of power You shouldn’t invest so much in US tech stocks at all. You sound like VT: total world stock index, is perfect for you
Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame, FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|
Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|
Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|
Just buy VT and call it a day
I’m not saying it’s good value and I never said to invest right now, but one had in many peoples minds more room to grow and have these growth stocks ever really made sense when they just explode? Hell no. It comes out of nowhere. It’s all gambling no matter if you invest in VT or some silly valued stock like PLTR. Models aren’t the end all be all
Yup, never been a better time to be invested in VT. Tariffs, no tariffs, it will win either way.
Bitcoin is not buy and forget. It's a speculative asset that can go to 0. VOO is much less likely to go to 0. Also, VT is better than VOO imo.
$VT and $PHYS. If you are young I would think the an entire world stock ETF and Gold ETF will outperform. I'd go 75% $VT and 25% $PHYS.
I opened a Roth IRA today, so I'll make sure that's funded by the end of the year. I'll see what I can do about the VOO or VT's through Schwab. I'm a little nervous at the moment about the instability of the markets, though, what kind of advice do you have on short-term investing in VOO/VTI/VTs?
I gave up and cashed out almost all of my positions and just threw it in VT. Fortunately I moved from almost entirely US pre election to roughly 50/50 international post election. I'm somehow up 4% YTD and decided to go entirely VT to idiot proof it
I'd suggest opening a Roth IRA to get started. Then dump money into VOO/VTI or VT regularly.
Can't agree. I don't think a transatlantic cruise takes much guts; most people are probably relaxed, enjoying their all-inclusive food and drinks, and having a good time. Crossing the Atlantic in a *rowboat* on the other hand, takes guts, or is just outright dumb. Rowboat across an intercoastal waterway though - no big deal. Take the right vessel for the journey ahead. Investing takes a lot more than money, to do a good job of it. Not all investing is super long term, decades out. People can have short-term goals or long-term goals or whatever in between. Taxable accounts or tax-advantaged. All in on VT might be a great vessel for someone investing towards retirement in 40 years, and it'd be equally a poor choice for someone investing for homeownership on a much shorter time horizon. Opposite could be said of SGOV as a vessel. So, to OP's question - could there be a more substantial market draw-down in the short horizon? Maybe! Maybe not. Does it really make a difference? For someone with a very long time horizon, you're probably going to ride through *multiple* recessions and be just fine with a total-return approach and not worrying too much about short-term noise. Someone with a shorter time horizon may not be in a position to afford risk and volatility, and would be better served with more stable and defensive assets. So. Same concept. Pick the vessel appropriate for your journey, and your journey will be different from someone else's.
Have you looked into the Boglehead approach? Total market ETFs. VT or VTI and VXUS.
Invest. If you look at history this is hardly the first major crisis to occur. If you're scared about the US, do VT for a simple global market cap weighted index (it's VTI and VXUS combined). You've got 40 years. You'll be fine.
Total world market etf with low fees. VT OR VTI. Set and forget. Gotta hope the world will be in a better place in 20 years. I hope ur having fun too at this age
Define a strategy and stick to it. It can be very simple (100% VT and chill) or very complex (dynamic allocation of different assets depending on your life expectancy, current net worth relative to yearly expenses, whether you have children or buy a house, Buffet indicator, whatever), but it must be entirely automatable. The strategy should be resilient to any unforeseeable geopolitical change. If you find yourself deviating from the strategy you decided because "oh shit Trump is gonna bankrupt the US", then you are doing it wrong. Either your strategy was overly risky, or you are overreacting.
The best thing you can do it to increase your diversification. VOO is large caps 1 country, which isn't diversified, even if it is the US. Buy VT or VXUS - this will deliver you more reliable benefit than permanently trying to time the market. Don't forget that in price chasing, you are up against massive wall st (and london, and paris and shanghai) firms with endless resources and armies of PhDs. It's not a game you can win.
Just buy $VT or $exus I bought a lot of Japan last. I think they’ll be pivotal for whatever is happening next. Usually I just buy whatever has scary headlines that people are being hysterical about. I’m up like 100% over the last year or so from various Mediterranean ETFs. But I’m long Australia, India and Mexico also. Probably some others? I think chili or Peru. I also bought a lot of Poland after the mess in Ukraine escalated. I would still recommend Japan, right now. Or $exus and wait for scary headlines discounts on some shit no one will care about in a month
If you literally just want to learn absolutely nothing about investing, set up an auto-buy, close the website, and then come back in 40 years to find that you're rich, then there's really no competition for VT. It's risky enough that you get nice returns, but diversified enough that you will really never have to worry about how your money is doing, because unless the world literally just ends, you're going to come out way ahead by the 2060s. And if it does end, then it really n ever mattered what stocks you bought anyway.
Matters for things like VT and even Apple
With the way things are going, I would suggest as a lay person to look at VT for international diversification as well. Just my 2 cents. I'm not a financial advisor so don't take my advice as financial advice.
It’s a simplification, but it’s “compounding” within the fund. Companies make money, shares prices go up, VOO goes up. It also spits out dividends in the form of cash, most trading platforms have an option to automatically reinvest these. When people say “total return” of a fund, they’re talking about the increase in share price from what you purchased it at, plus the dividend $ produced by the fund. You can use this total return % as your yearly compounding rate. Finally, you could do a lot worse than VOO. Consider VT for built in international exposure, given the US is having a bit of a moment.
If she is uninterested, I would go with VT or a TDF. I was in a similar situation and my partner chose to go with VT.
VT and chill is a peaceful existance
why not toss half your money into a stock with solid fundamentals right now? Meta, Google, UNH is crazy low rn, large oil stocks, berk - or go full boomer with VT
I see your preference. So you can do 80% VOO and 20% QQQ in that case. If you want to consider international, then take a look at VT.
I wouldn’t just do growth or dividends, but you could include both in a diversified portfolio. As dividends go, there’s not a reliable link between dividend yield and total future return so unless you’re explicitly looking for an income stream, I wouldn’t buy a high dividend fund just because it has a high dividend. For simplicity, you could have a core holding (VOO or VTI for total US or VT for total world) plus a growth fund, value fund, small/mid cap fund, and an international fund if not using VT. There’s no perfect way to do it and there’s plenty of other funds to choose between so do some looking.
I dunno… VT is the best one stop shop for sure… but dang you leave a lot in the table compared to even VOO in the last 10 years. Before everyone loses their minds and thumbs down… I know that past results are a guarantee of blah blah blah. VT barely keeps up with inflation anymore
I know it seems like a lot now, but in the grand scheme of things, $9k is nothing. By the time you’re 25, you will forget this ever happened. I would suggest not investing unless you’re investing into VOO, VT, VTI, or VXUS. Please don’t even think of doing options again. Focus on other aspects of your life like your education. Not doing well in school or taking an extra year in college will cost you a lot more than 9k in the long run, so will divorce, housing repairs/issues, get emergencies, medical emergencies, etc. I can promise you, that you will loose a lot more than this throughout your life. You will be fine, take it easy on yourself king. You’re 19 years old and have your whole life ahead of you. Just focus on your education and getting the best grades you can. Don’t let anyone tell you grades don’t matter, because they do. Get internships and do your best.
No one knows bitcoins fate, but if you know the fate of fiat, then you just need to hold equities as much as is reasonable. If you don’t believe in US stocks, buy global. $VT always outperforms after adjusting for volatility, diversity is the free lunch
Has he said that recently enough to account for the ease of holding VT or totalUS?
VT is the one with the most coverage. Probably the only real total world ETF as others like SPGM will cut out certain markets
$1,500 a month —> $1,000 per year in savings?? Was that a typo? No reason not to just keep investing the same as you would with your 401k. You don’t need commodities like gold/silver. Stick with an agnostic broad market fund like VT or VTI/VXUS as long as you build an emergency fund and pay off high interest debt first
Yeah, I want to buy and hold for 25 years (retirement.) Most of my retirement portfolio is already in target date funds and VT, so other than my dumbass play account I started during Covid (which, honestly, is doing pretty well due to buying 4k of Walmart back in 2020), it won’t even be a large percent of my overall portfolio. Might buy another share for my IRA today if the transfer clears in time or it keeps dipping.
I’ve never owned Berk B and am honestly considering starting a $2k position with an old 401K that finally moved to a Rollover IRA last week if it goes deep into the red. Was waiting for a pullback to buy anything, and after this weekend, it seems like a good buy if it goes red. It’s that or VT for me, I think.
If you fucked up so bad Daddy had to take the reins, buy VT and GTFO of here
> I’m starting with the top 50 in the S&P so I can get most of the exposure I want but also remove a couple companies I don’t like and increase the weights of a few I believe in. What you’re basically doing is a heavily simplified version of what active managers do. I would not call this “Direct Indexing.” Typically direct indexing implies a few hundred stocks, weighted according to the index without bias. It sometimes includes tax loss harvesting what may create some tracking error but is usually worth the deviation. You mentioned that you don’t have a ton of money to invest. If that is true then a direct indexing approach is likely unhelpful for your situation. You would likely be better served just buying a broad market fund like ITOT, VT, DFAW, SPY, etc.
yea i hear you on this. i know anyone there would backstab me for a couple extra cents. i have to remind myself of that sometimes. i'm working really hard on the side to start my own business but until then i'm saving up my money (honestly not sure why i'm in WSB lol. 100% of my account is in VT lol)
Tesla’s \~$1 trillion valuation reflects faith in its next‑generation vehicles and autonomy platform. ... only the successful launch of mass‑market EVs and monetization of FSD/robotaxi services over the next 12–18 months can fully justify today’s lofty multiple. Why would TSLA crash when it's constantly being bought through SPY, QQQ, VTI, and VT by pension funds, hedge funds, and retail investors? It's structurally supported by passive flows ; every new dollar into these ETFs means more Tesla buying, no matter what.
I tell my wife to buy VT in all of her accounts that she manages when I’m giving her “investment advice.” Partially because I actually don’t know wtf I’m doing and partially because I don’t want to be responsible for missing out when one area outperforms another. My own accounts I don’t bother investing in Europe or Asia because I don’t trust them at all, but I am well aware I may miss out on something.
Yeah man, this is not a diversified and is a trading port hedged by the S&P. Not bad, but allocation is humiliating. Build out a portfolio, take overweight positions to swing in single stocks of etf's you hold. Expand those etfs. Allocation wise you'd be served to take 20% (at most) SPY, 20% US diversified (I like VONG for growth), 20-30% total world VT is a popular position, 10% cash like positions (Bonds,JEPQ, Div's in general). You have 20% to trade (decently hedged) and the ability to allocate some overweight positions to singular stocks. Start slow, CC are a good starting point.
Dividends are not free money and there is no reason to believe that a dividend ETF will outperform the overall market over 20 years. What it will do is spit out a higher level of dividends, which you then have to pay tax on before reinvestment, which causes a drag. So the question is, why not invest instead in the whole market, which would be VTI and if you are with Vanguard, I believe you can now auto-invest into that with your existing broker. Or for that matter, VT, which is global equities. International has done a lot worse than US the last 10-15 years but that doesn't mean it will be worse for the next decade, if anything it indicates that international is cheaper right now.
The S&P500 has returned like 11.3% average over the past 50 years. It's also a much more diversified investment than a singular house. What if somebody opens a homeless shelter 2 blocks down the street and tanks your home value? Or the company that employed 2,000 people and maintained jobs and property value decides to close their warehouse and move to Mexico. A singular house can possibly lose major value that never recovers in the timeline you're interested in. The S&P500 diversifies this risk across 500 companies. Or even buying VT, diversified it across the entire global market. Also, far less hassle than dealing with rentals, repairs, screening renters, dealing with people that decide to quit paying rent, etc. Literally just auto deposit each pay check and forget it.
SCHX is the top 750 companies. As it's market weighted it's very close to the S&P500 and I would consider it effectively interchangeable but it's not quite the same thing. Schwab doesn't have a S&P500 ETF. But if he's with Vanguard anyway he could just do VOO (or better, VTI which is the whole market, or better yet, VT which is world equities).
VT is generally recommended. It's still heavily exposed to the US market, but you risk tons of growth by excluding the US
You want easy and diversified VOO or SPY (they are basically the same) are hard to beat. They only invest in US companies though, so for complete global diversification in a single investment consider VT. Good luck with sobriety - you are still young and have a lot of time to accumulate savings!
And the service gets worse and worse - every one I've been to in the last year has no one inside if you go in, have to use the big laggy super old shitty kiosk things. I see people wait at the register, but it takes a long time for someone to come out. The stores are dirtier than ever and the staff when you finally see them don't seem to know how to deal with the public, and the service is universally slower YMMV, I'm in the northeast, in the MA/VT/NY tri state area, I've noticed declines in all the stores I've gone to over the last 20 years
If you don't wanna think, buy VT. It invests in 98% of the global investable marketable. The perfect equity ETF.
Honest question - for those of you who are boring retirement investors or are mostly retirement investors with maybe a small “play” account - are you putting money into the market right now? After exiting my entire “play” account full of long plays I’d bought in 2021 back in late January, I funded nearly my entire 2024 Roth IRA contribution with an expected check from a job + all the money I was holding from that play account during the early April bottom between that account and and felt really great about that decision/timing. I’ve been making my regular contribution past 2 weeks but I still have another $5k I’m holding onto in a HYSA. I could go ahead and fund the rest of my 2025 Roth in one fell swoop into VT at around $103, but I’m on the fence about what’s going to come next with the tariffs. I could also put some back into my “play” account where I could buy, say, Google which seems fairly cheap right now. Mostly just curious what you all would do if you were holding onto $5k that should eventually be invested into a Roth but you’re not in a rush.
I’ve been somewhat expecting other countries to bypass the US, so on days the US market is pumping I’ve been rebalancing some (not all) of my US and tech heavy investments into VT for more international exposure. I know that’s still ~60% made up of US stocks but just in case Asian or European countries grow faster out of this, I want to have some upside there
yeah this is what i do lol, i buy VT though but having this many cash also stresses me out so might as well stay invested.
I fucking quit about 6 weeks ago. Sold all of my individual positions not with substantial gains and just bought VT. I'm up 11% since that time
My VT nearly green again so expect market to dump -30% Monday
I’m 20 and i invest in reputable blue chip stocks i like (15%) and 85% index fund VT. Can you praise me please? Maybe pat my head?