VT

accountinreddit

Cannot upvote you enough and this needs to be made a pinned post. We need to stop thinking that something is scam, if I don't understand or know how it works. VOO, VT, VTI, VXUS all contain companies you do not like or consider "scam", but that is part of investing in an index. Like `Successful-Tea-5733` linked, pick an index you like then.

__redruM

> Like, there's been tons and tons of hype on the web about the sp500 for the past year or two or three When I started looking into investing back in 2012, the recommendation was buy S&P 500 index funds. Best advice I could have gotten. Getting you to buy gamestop, or individual tech stocks or stock options or random crypto projects is how they fleece you. VT, VOO, VTI is how you build wealth for retirement, but it’s your future, do what you want.

mustachechap

I agree, and that's why I'm DCA'ing into META. I hold a lot of VT for my 'safer' investment, so wanting to take more risks when I buy individual stocks.

AlbanySteamedHams

I had a conversation last week with a relative who works on building out data centers for a FAANG company and brought up the topic of depreciation schedules and productive life. His take was almost exactly the same as yours. I'm not really making this comment to you, but for anyone reading your comment, this is probably a grounded and well-informed take that doesn't align with the doom. My default posture is doom, so it's hard for me to internalize this perspective, in all honesty. Given the pace of innovation in the last 3 years, my brain finds it hard to accept that the next 3 years won't yield accelerating change that throws a wrench in the projected payoff period of these datacenters. Given all the uncertainty, I sure as shit wouldn't place a bet on it and just continue to buy VT + BND like an old man.

brute-forced

Sell it all and buy: 70% - VT 30% - VGT

cdude

Why are you only in VT in your IRA but you're picking stocks in your brokerage? It's always interesting to see people think that they need to do something different between different accounts, when you factor out plan-specific limitations (like 401ks).

me-thinking1

1. Any recommendations on accounts accruing interest for Ira? RH doesn’t as I was told 2. Diversified index ETFs like VT? TIA

taplar

A diversified index fund like VT would get you equities. If you are more risk averse, you could throw in some SGOV/BND for a typically less volatile bond holding. Pick whatever ratio you feel you could stick with should the equities decline significantly for a period of time.

MilotheSpartan

VT and some bonds

TheInkDon1

Good question: I'm in between. Let me explain. Over the past 20 years I've sworn off stocks for ETFs so many times I can't count. And always for the same reason: *single-issue risk.* What it that? Musk tweets something stupid, Tesla drops 10%. Oracle doesn't meet expected earnings, it drops 15%. Enron, "the smartest guys in the room", weren't: bankruptcy. **So since March I've only done ETFs.** If you ever catch me trading a single stock, I want you to shoot me. Please. And sure some ETFs have big drops, but they're ones I don't touch: crypto and cannabis. Other than that, ETFs just don't move that quickly. And why? Because they're baskets of stocks, right? (For the most part.) So if an ETF holds 100 stocks, and one goes to zero, how much should the ETF drop? Just 1%. (Aside from sector-sympathy that might drag some of the others down too.) Why don't I use SPY and QQQ and the like? 1 - because I'm not an indexer by nature, because: 2 - I like to find things *that are going up*, and trade those. But don't get me wrong, if SPY or QQQ were going up fast enough to screen-in to how I screen, then I'd trade them. I recently traded IWM, the Russell 2000, because of that. Now maybe let me expand your mind a bit: *Do you know how many ETFs there are in the US?* **4,300!** Four **THOUSAND** and three hundred. But you only hear about a dozen of them, don't you? VT, VTI, SCHD, VOO, IVV, VXUS, maybe ITOT, like that. *Did you know that* [momentum in equity prices persists](https://www.sciencedirect.com/science/article/abs/pii/S0927538X18303998?via%3Dihub#preview-section-references)*?* It does. For 1, 2, 3, even 6 months or more. Now, what if we put those 2 things together and looked for **ETFs with momentum**? And then instead of *buying* them, buy **LEAPS Calls** on them. Deep ITM LEAPS Calls act as *share substitutes* and give us **leverage**. Let me know if you're interested in hearing more.

Equivalent-Sample674

ARKK? lol what?. More like 80% VT and 20% QQQ and chill.

diatho

I’d go 50-50 VT & VTI

baseballer213

Splitting it into VTI and VXUS allows him to claim the foreign tax credit. VT generally does not. This also avoids potential wash sale headaches since he already holds VT in his Roth. Rent free is the real cheat code here though.

Bananadite

Before you invest make sure you have an emergency fund setup with 3-6 months of spending in a HYSA. If you do already just put it in VOO or VT

Reynhart

If he really doesn't want to think of anything VT and chill is a great plan. I'm personally pretty negative on long-term US economic outlook so I have re-balanced my holdings to more heavily weight VXUS, but I could be super wrong.

Richifyai

VT or VTI+VXUS in a taxable brokerage. Simple, tax-efficient, globally diversified. He's already maxing tax-advantaged, so this is the standard play. Congrats to your kid for crushing it early.

Medical_Watch_6283

Most people are probably over weight on it because of the indexes being held such as VOO, VT, VTI, etc. Depends on your time horizon I guess. Right now it’s a secular growth trend and still in the early phases IMO. These companies have strong fundamentals and are sitting on loads of cash. No matter what stocks you are buying it’s always buy, hold, and monitor. I’m not worried. I have time, and I’m diversified holding ETFs US and Ex-US, non tech industries, and cash. Wealth is made in bear markets. Keep buying and stay the course.

Imperial_Toast

Lmao you’re not going to outsmart the market man. Just DCA $4k per week into VT until you’ve gone through your hundred grand, and forget about it.

RetiredEarly2018

Apologies if it wasn't clear, but I meant you shouldn't be thinking about the past performance in risk adjusted terms, because thats like telling someone who invested in QQQ 30 yrs ago that they should have invested in VT. By all means think about future investing with risk in mind.

Heyhayheigh

You have it backwards. Your riskier plays should be in your Roth. Your brokerage can be all SGOV and QQQM or VT if you prefer.

RetiredEarly2018

If you are buying something that is appreciating, whether it is VT, VTI, VOO, QQQ, VXUS, Gold or whatever, it will be more expensive today than it was x days/months/years ago and there will almost always be someone who feels it is too expensive. I do not know anyone who has a perfect crystal ball and all the options that have a high inflation-adjusted return carry risk. So just find an investment whose risk profile you are comfortable with (lazyportfolioetf.com has data in various currencies showing both returns and drawdowns over 1, 5, 10 and 30 years) and get started.

PhoenixProtocol

VT dividends aren’t taxed, dividends aren’t taxed. This is all extremely country specific.Saying UCITS is not gonna help OP either.

anamethatsnottaken

There are similar UCITS funds. I use those in the tax advantaged accounts because VT dividends are taxed even if I hold them in a tax advantaged account. In my taxable account I convert my local currency to USD and buy VT

PhoenixProtocol

Read OPs post. €500. Stop trying to give ‘VT and Chill’ advice if you don’t know jack about investing man..

anamethatsnottaken

VT and chill. Judging from the time horizon and lack of risk appetite, some bonds in there too. The expected return on bonds is lower than equities, but the rebalancing has a nice psychological effect - when markets are surging, you're taking profits and putting them somewhere safer. And if/when markets crash, you're buying equities when they're "on sale"

No-Host-970

VT and chill

nobertan

I mean, it’s a stocks sub. Not an ETF sub. I just bought a ton of Google in April. The SPY performance concentration down to single digit stocks made it not behave like I wanted to it (a broad group of successful companies). Would rather go VT to spread that exposure to limited stocks now, IF I were lazily diversifying like that.

Machine8851

I would swap out SCHD for QQQI. QQQI provides better capital appreciation plus over a 13% monthly dividend. Thats if you need the income, even if you didnt and reinvested the dividends, this should perform better than VT

JohnWCreasy1

i guess it depends just how basic your ETF appetite is. If all you want to do is buy VT and chill, it should be fine, but if you desire anything more exotic, Merrill may not allow you to buy it. just as an example, the last time i checked they don't allow you to buy the NEOS funds. I am a bofa customer, so i keep $100k in my merrill account for those rewards but i have the rest of my stuff with fidelity.

NetZeroSun

Stupid question. In actual retirement, how would BRK.B be as a bonds replacement? So i really won't sell it unless a bear and to avoid sequence of returns, I could perhaps sell BRK.B for the 4% SWR instead of the typical broad markets which would be temporarily hammered (1-6 years) in a bad bear market. Such as 70% VT, 30% BRK.B instead of BND, then have some HYSA on the side for emergency.

Sheerbucket

VT and chill.

Imallvol7

I am going heavy into VT

SprinklesMany2038

Ya you dont want forced sales and taxes that come with dividends unless you want  steady income. I hold total us, total international, small value and emerging market. You want to basically buy the world because nobody knows what will be hot in the next 30 years. VT is a great choice too. 

dooknuckduster

Perhaps consider both US and ex-US / International stocks like a single etf including VT, or VTI (US) and VXUS (International). You get market returns, no more, no less, over decades of investing for your son. [https://www.bogleheads.org/wiki/Lazy\_portfolios](https://www.bogleheads.org/wiki/Lazy_portfolios)

DoubleFan15

Do you remember what the big individual stocks were 15 years ago? Just curious as to if you would have stuck with VTI if you went back in time. Its easy to say things like NVDA could have made you rich, but also im sure some stocks seemed good but turned out being bad investments. I just started investing this year, 100% VT so far.

ConcentrateOk523

Buy VTI or VT

weouthere96

If you want to sleep at night put half in VOO, VT, SPGI and chill.

lee_suggs

Same gameplan as 2025, 2024, 2023, and the decades before. Buy $VT and chill. You can spend time overthinking your investing strategy but over the long run, almost all 'gameplans' in this thread will underperform the market and it just doesn't make sense to spend hours of your life trading a portfolio which makes you less money than just buying a diversified index fund.

Puzzleheaded-One-607

lol. Dude, just lump everything into VT and forget about it for 25 years. Go do something else. Do yourself and all of us a favor.

baseballer213

Pick one broad index fund and eliminate the rest. VTI at 0.03% expense ratio gives you the entire U.S. market, so VOO (87% overlap) and VT (which contains VTI) are redundant. Drop the active funds entirely; American Century charges 0.29%, Putnam charges 0.56%, and they are selecting from the same mega-cap stocks already dominating your index holdings. PIMCO Income has a 0.90-1.65% expense ratio depending on share class, which is obscene for fixed income. If you want 70/30 stocks to bonds, go 70% VTI and 30% in a low-cost aggregate bond fund like BND. Drop the four individual stocks since you already own them in VTI; Apple, Amazon, Nvidia, and Berkshire are collectively over 15% of VTI’s weight, so your 16% allocation creates concentrated exposure without diversification benefit. If you insist on holding individual names, keep it under 5% total and accept that you are gambling on outperformance rather than building a balanced portfolio.

SuperHeroww

You’ve got a pretty concentrated growth/AI tilt on top of broad US and global ETFs, so your overall risk is heavily tied to large-cap tech even though VT and XLU add some diversification. One way to sanity-check your predictions is to look at what portion of your portfolio is in broad indexes (VOO/VT/QQQ) versus single names (NVDA, AAPL, META, DUOL, ANET) and ask how you’d feel if the AI/mega-cap theme underperforms for a few years. VT slowly becoming your top holding will naturally reduce single-stock risk over time, while XLU is a small but useful ballast if rates stay lower. If you want to visualize how much of your portfolio is really in US tech versus other sectors and regions, a tool like [WizardFolio.com](http://WizardFolio.com) or any ETF look-through site can help you see the underlying exposures more clearly.

thesunriseking

VOO is over $600 right now and VT is $141.

totosea

If you are looking at the past X years, you are looking at the period of the US tech boom, so QQQ/VTI will always be better than VT or VXUS. However, there have been periods where international markets outperformed the US stocks, see [https://www.reddit.com/r/dividends/comments/18jtye4/us\_and\_international\_markets\_have\_moved\_in\_cycles/](https://www.reddit.com/r/dividends/comments/18jtye4/us_and_international_markets_have_moved_in_cycles/), most recently 2000-2010. Their relative performance heavily depends on the start & end date you are looking at. I still believe in the United States and buy VTI, but it is totally reasonable to buy VT or VTI/VXUS if you want to invest in the equity market without worrying about all the macro and geopolitical issues.

Capital-Value8479

The best way to get rich is buying low cost etf funds like VOO VTI or VT and hold onto it for years and years and year

leaning_on_a_wheel

looks totally random, just go 100% VT or similar

baseballer213

Your portfolio is a laundry list of expensive redundancies that directly contradicts your 10% return goal. Holding VTI, VOO, and VT is effectively buying the same assets three times; VTI already contains 100% of VOO, and VT contains nearly all of VTI. You are triple-dipping on the U.S. market while paying higher expense ratios for American Century and Putnam funds to select the exact same large-cap stocks you already own in the index funds. Mathematically, a 10% annual return is unrealistic with 30% of your capital tied up in credit and income funds like Brandywine and PIMCO. If that 30% yields a generous 6%, your equities must consistently return nearly 12% just to hit your portfolio target, which is aggressive rather than “moderate risk.” You are also concentrating 16% of your portfolio in four individual stocks that are already the largest holdings in almost every fund you listed. You have built a closet index fund with higher fees and uncompensated concentration risk.

thesunriseking

Yeah, but instead of having 6 ETFs, you can have one that incorporates value stocks, growth stocks, small cap stocks, large cap stocks and international stocks. The point of VT is you can just buy VT and not have to worry about buying another ETF to get exposure in a certain sector. You have all the exposure you need for your long term average investor.

internetroamer

Tech etfs would still have had a much much better return. >if you’re so bullish on QQQ, why not go TQQQ I'm a long term investor and TQQQ isn't the best for long term. Because downturns can be catastrophic whereas with tech etfs you can still weather them given the time. Go through 2008 with tqqq and you're done. >The point of VT is to set it and forget it. I set and forget tech etfs like QQQ, MGK, VUG, IGM. Over ~20% annualized return over my portfolio career of 8 years Again if you're in your 20s, 30s and 40s with 10+ years working ahead of you then VT is way too overly cautious But we'll see in hindsight. Like we can look back now and say VT was objectively half the returns of qqq past 5 years and so the wrong decision. Lmk in 2030

thesunriseking

Now do what you’d gain if you had $70k and went all in on VT vs all in on VOO with all dividends set to reinvest and added $100 to your position each month. And if you’re so bullish on QQQ, why not go TQQQ? The point of VT is to set it and forget it.

internetroamer

I never get this vs large cap tech ETF. YTD VT is 16.5% YTD QQQ is 22% YTD IGM tech ETF is 28.8% Same trend for past 15 years. I get "risk" is an issue but realistically they will both tank in a downturn and plan is to hold for over a decade anyways. 6% different is huge and even a couple years of such performance and make up for any future downturns. Past 5 years has tech etfs doing 2x the return of VT.

noncompact_leaf

And actually, I can be more precise in answering your first question. As far as options are concerned, SPY is what I would buy a contract for. I want to buy ex-US ETFs separately because I can buy more of one when it sinks on its own. (So no VT, but rather some EMXC, some developed ex-US.) But when choosing an options contract, that tends to be a larger chunk, so a choice needs to be made, and if I'm choosing between all of these for a larger chunk, it's SPY. (Although you guys have convinced me that buying the shares outright makes more sense than the put alternative.)

Poundcake2RedVelvet

btw if u sold at $700,000 and invested in VT and only reinvested dividends, nothing additional (I used $1,000 for this value in the compound interest calculator, this is 1.69% of 700,000 so monthly contribution would also grow) assuming 8% ROI, over 30 years u would have $8.4 million dollars. Also btw just remember the house always wins, always.

weedmylips1

VTI is just US, VT is world

thesunriseking

Not really lol. That’s the point of VT. I do have a small position in BND, though.

No-Raccoon7614

Nice pick! VT's a solid long-term play. Have you looked into any other ETFs that might complement it!!

Whole_Fact_2310

Nice! VT’s a solid choice for diversification. What’s your strategy for holding it long-term!!

thesunriseking

VT. Bought 500 shares yesterday.

thesunriseking

VT

Alarming_Teaching_13

How quickly can you save 10k , there you just doubled your portfolio… buy $VT until you get to some number and spare your own life… don’t be emotional it will be okay just need to be patient and consistent

LiberalAspergers

Most of them are passive index funds. SPY and VT have to hold it.

Imactuallyatoaster

VT. That's it

Dear-End8908

$VT

Newbiewhitekicks

VOO, VTI, VXUS, QQQ, SMH, and VT all at the same time.

MrOnlineToughGuy

My 457b is 33% US large cap, 16% US mid cap, 10% US small cap, and ~40% international stocks. Roth IRA is 100% VT.

Putrid_Pollution3455

Emergency fund in physical gold… Then I do 33% IBIT, VT, and USFR… Then I follow four rules… When I get paid, I buy whatever asset is lagging. If VT lags behind my short-term treasuries, then I sell short-term treasuries until VT equals US FR if the portfolio doubles in terms of dollars then I rebalance. all portfolio income goes into VT.

scrotalsmoothie

VT

Putrid_Pollution3455

if they're scared, they could at least do short term treasury fund USFR/BIL 85%, sprinkle in 5% GLD and 10% VT. No fancy words, if they don't understand, it'll freak them out. Short term treasuries backed by the united states government, Gold spot price, and a global equity fund that owns basically every business in the entire globe.

FRNAP13

The Skandia fund is broader than MSCI World. It’s a 1,500+ stocks fund. It’s diversified but doesn’t return much. You can’t compare it with NASDAQ mainly tech or RUSSELL 1000 Growth mainly growth. If you want word exposure and growth, go for VT, if you want pure growth, go for Russell 1000 growth. If you don’t know, speak to an advisor, you are losing money right now.

Impossible-Ice-2988

Take a look at a Markowitz curve between two non-perfectly correlated assets, you can get more *reward per unit of risk* out of the box, but to actually get back to the original level of reward of the most rewarding (and riskiest) one, then you'd probably have to leverage... The point is: you shouldn't expect the same reward with VT but with less risk... what you get is more *reward per unit of risk*

GAV17

Fyi you are having an FX issue. That fund is denominated in SEK while QQQ or VT are denominated in USD. With the USD devaluation of around 20% the performance of QQQ or VT in SEK it's around 0% which is similar to the fund you have.

GAV17

You could buy VWRA the UCIT alternative to VT.

PutinBoomedMe

Why not just do VT?

ishouldworkatm

Because they don’t understand risk For them the only way is VT and chili, because that’s what YouTube told them If you do something something different (and that they don’t understand), they’ll think you’re a regard

BinBender

How much of your gains is attributable to "skill", and how much to luck? Have you been exceptionally good at timing the market, or have you simply been lucky that you decided at what happened to be a good time to go for a very bullish strategy in what turned out to be a bullish market? If you were that leveraged in 2021-2022, how did you manage to not lose more than ~50% when VT lost nearly 30%? (4x leverage would've put you at nearly 120% loss, wouldn't it?)

Dry-Drink

If you highlight the blue to show the exact percent, the VT green line becomes lighter in the IBKR Portfolio Analyst platform. But it's still there, you can see it

v_x_n_

You asked for moderately conservative so you own those returns but that was your risk tolerance at the time. If you are more comfortable now perhaps diversify into diversified index ETF like VTI or VT? It depends on your personal risk tolerance and only you know why that is. Can you stomach large swings in the market and look at it as a chance to rebalance?

oaklandnative

You don't even need to watch a video. Read about the Bogleheads 3 fund portfolio (Jack Bogle is the founder of Vanguard). This is a mathmatically supported investment method (in line with modern portfolio theory) and it will outperform the vast majority of others investing methods. It's also VERY simple, and it works for any size account. https://www.bogleheads.org/wiki/Three-fund_portfolio You will also need to decide on your asset allocation. Keep it simple to start, but do be prepared to learn more about this over time. It's not complicated. https://www.bogleheads.org/wiki/Asset_allocation EASY START: In your retirement accounts, just invest in a target date retirement fund. In your taxable brokerage account, just invest in VT, a low cost and extremely well diversified ETF.

Putrid_Pollution3455

anus is bleeding....adjusting my 5th rule and only using margin for VT going forward. buying corn on margin is scaring the shit out of me

Gimme_All_The_Foods

Stick to broad-based market index funds. A global one like VT is highly recommended but since you're in France you probably won't have access to that, so pick something like VWCE instead.

Soft_Split1131

Solid allocation but I'd probably bump that IBIT to like 10-15% at 18, you've got decades to ride out the volatility. Also OP since you're in France you might wanna look into UCITS versions of those ETFs for tax purposes - like VWCE instead of VT/VXUS

Iwubinvesting

You're young. Go 35% QQQ. 30% VOO. 10% VT. 10% VXUS. 10% BIL. 5% IBIT.

the_bagel_warmonger

VT

SummerSpringWinter

This dude is betting against the most heavily weighted company in most index funds.VT, VTI, S&P500, QQQ. It’s like America’s flagship stock.

sleepy_cat2026

But his policy and he does things I can't name but he is a good millionaire that retired to VT Instead of helping his people in Brooklyn.

Taught_Mose_Sex

Most of us made far dumber mistakes when we started investing, many of us lost plenty of cash as a result. Chalk this up to an expensive lesson (that you didn’t actually lose any money over) and go over to /r/personalfinance and use their flow chart to check up on your finances. Depending on your age I’d do something simple like throw 70% in VT and 30% in BND, but do a little reading to help yourself out. Don’t get down, this is hard because many people benefit when it is hard for beginners. Good luck. 

deepserket

The downside is opportunity risk. You should take a loan backed by your nickels and buy VT

therealjerseytom

> Can someone explain to me like I’m 5 years old the way the years work and that overlap? Not entirely sure what you're asking, but you have until tax day to contribute towards 2025 IRA limits. So from Jan 1 through mid April next year, you can choose whether to make contributions towards '25 or '26. If you don't have some specific intention of how much US vs ex-US investment you want, you could just be 100% VT.

crazybutthole

just make a fidelity account. move the money from edge to fidelity and buy some combination like 25% VOO + 25% QQQM + 50% VT

Pickpockets_warning

VOO and VFV that's only the US market. This can be a good strategy long term but OP may want to consider something that covers the whole world like VT or VEQT (or XEQT etc)

Pickpockets_warning

Congratulations on taking steps to break the cycle. It will be harder for you than someone born into money, but you can build a different and better life for your future. Don't start with crypto if one thousand dollars is all you have to invest. Or anything else that is speculative and high risk. Stay away from "high dividend" funds. You didn't mention your age or the country you are located in, so advice people give you here will be generic. However, regardless of where you are and how old you are, you can learn the basics of personal finance by using these free resources: r/personalfinance and r/personalfinancecanada both have a wiki with plenty of info r/bogleheads also has info, and there is a website called [Bogleheads.org ](http://Bogleheads.org) that is all about that approach. It's a good place to start. The idea is that instead of speculating on stocks, the average person is better off to invest in ETFs as a 3 fund portfolio: a total US stock market fund, a total international stock market fund and a total US bond market fund. Or some people do the 1 fund portfolio by investing in whole world funds like VT (or if you are in Canada VEQT or XEQT). It's very similar to the 3 fund portfolio. Canadian version of Bogleheads.org is https://canadiancouchpotato.com/ Check out the McGill University personal finance essentials course. It's free and anyone can sign up. It's 8 short modules you can do on your own. Made for the average person, not for a university audience. https://www.mcgillpersonalfinance.com/ Don't be scared of credit cards. As long as you pay off the full balance each month, they are very useful and help build your credit history. Please ignore the shills who try to get you to use their apps or newsletters for "stock analysis" or "hot tips" -- one of them already commented on this post. And ignore the advice from bank "financial advisors" because they get paid to get you to buy the bank's products, like mutual funds which almost always have higher management fees than ETFs. Good luck on your journey. May the Force be with you.

EatThyStool

I mean my FIL only put money into CDs during his working days and hes going to retire in a couple years when he hits 65. Hes from a small town in the Midwest and investing wasnt as accessible to him as it currently is for us. I think you also need to step back and think about how youre viewing his risk tolerance. 50% in VT is risky if hes retiring in a few years. Guarantee you he pulls his money out if there's a 10% drop or more and frankly you cant blame him if he does that since hes had guaranteed returns with his CDs.

LionBig1760

He did support the attempt by Vermont to offer a single-payer plan to all residents of VT that utterly failed... so there's that.

Inevitable_Pin7755

You’re not doing anything wrong here. At your age it’s completely normal to be heavy in tech because that’s where the growth is and you’ve got decades ahead of you. The real danger isn’t being tech heavy, it’s being tech heavy without understanding why. If you want to diversify a bit, you don’t need to overcomplicate it. A simple global index or even keeping your VOO allocation a little higher already spreads your risk across everything without forcing you to research defence, energy, industrials and all that stuff. Healthcare is fine but you don’t need to chase it at all time highs. You’re young. You’ve got time. A steady backbone like VOO or VT and then whatever tech you actually believe in is more than enough. Most people your age try to pick ten different sectors because they think it makes them smarter. What actually matters is consistency, not holding every industry under the sun. You’re already doing better than 99 percent of people your age just by thinking about allocation. Well done !

ImprovementMain7109

Your 50/50 VT/SGOV idea isn’t crazy, but at 60 the right mix depends way more on: when they actually want to retire, Social Security/pension amounts, debt, and how much they spend. Before touching allocations, I’d map that out and probably pay for a one‑time session with a fee‑only CFP, just to avoid guessing with the last 20–30 working years.

brewgeoff

You are young and have the ability to take on investment risk… but you should use your risk wisely. You are right to identify crypto as gambling. As an asset it has zero expected future cash flow. It doesn’t have a real underlying value. You’re betting on the future hype being greater than today’s hype. You are doing a great job by investing so much at a young age. Focus that attention on quality, long term investments. You have no idea what the world will look like in 45 years so go build a globally diverse portfolio. DFAW or VT both serve as a great starting point.

Adventurous_Elk_4039

If you really want to set and forget, and never even need to rebalance, why not just go 100% VT and hold it all? Or even a target date index fund? Your current selections aren't bad or anything, they just have some tilts. Not the end of the world you'll do fine I'm sure.

Various_Couple_764

buy age 60 most people become risk avers. So if you put him in VT and the market crashes he will likely sell VT at a loss. it happens all the time. Good bond funds are really a better investment for people 60 or older. government bonds are more stable plus they produce income which is what older people really want. As long as the income keeps coming in they will be hesitant to sell. But don't just rely on government bonds. there are some good cooperate bond funds and CLO funds you could add to. I currently like JAAA 6% and CLOZ 8% yield. Very reliable dividend payers.

Str8truth

Age 60 is not a great time to take on risk. Maybe he's saved enough in CDs to meet his needs. You don't want to risk losing his perfectly safe investment. He's old enough to remember bear markets that you've never experienced in your investing career. If he's open to taking on more risk for a higher potential return, I think it would be good to use a single target-date fund or a conservative balanced allocation fund that will maintain an appropriate mix of stocks and bonds. VT may look a bit too aggressive and SGOV may look a bit too conservative on his account statements.

baseballer213

He loves CDs, so he has zero risk tolerance. 50% VT guarantees he panic-sells the next dip. Use a 2030 Target Date Fund to automate the risk management. Fix the Roth cash drag today.

benhurensohn

Do not read, skip directly to VT and chill