VT

Maleficent_While2653

Same. I fell for the hype first with bitcoin, then gold/silver, then memory stocks. All of them are now in the dump. My portfolio is down 60% because of these stupid decisions, when I would have been well in the green if I stuck with VT. Lesson learned. Don't listen to anyone on reddit or youtube who claim to know what the next big thing is. Just DCA in VT, VOO, or QQQ and you will easily beat every stock picker.

lovo17

The best thing you can do for now is buy VT. That’s all you need, especially if you don’t know anything.

bobdevnul

There are two basic types of Vanguard funds. One is good to invest at Fidelity. They other is bad. ETFs from anyone are fine to invest at Fidelity. They trade like stock with no fees\*. VTI, VT, VXUS are examples. I don't know the equivalent Fidelity names for these. The other fund type is mutual funds. If you buy third party mutual funds at Fidelity that are not on their No Transaction Fee list you will pay a $75 fee per purchase transaction. That includes for dividend reinvestment purchases. I don't see any Vanguard mut funds on the NTF list. \* There is a very small fee to sell ETFs: **Regulatory Fees:** Small mandatory exchange pass-through fees (such as SEC activity assessment fees, roughly $0.01 to $0.03 per $1,000 of principal) apply when you sell securities

dissentmemo

VT

Gimme_All_The_Foods

If you're a noob, stick to broad market index funds. They should be the bulk of your investments regardless of your knowledge too. Start with something like a globally diversified fund like VT. You could literally only invest in that and be perfectly fine.

Shot-Arugula8264

VT

LemonTeaCool

I'm a new investor. The going matra in terms of investing has always been to invest in ETFs, primarily in VT (rather than VOO or VTI) because they are less risky and they are diversed. I looked at yesterday and they're just as down as VOO or VTI albeit VT got better 0.25 points. What the hell am I missing? VT was suppose to be the one protecting me but they're almost identical

Witn

VT

Bizhour

VT and VTI both down, pretty much same as the rest. US economy is so dominant it hits every other market if something happens

bombastica

VT then chill

Beneficial-Welder974

I like VGT, but I would treat it as a tilt, not the base. VOO already has about 40 percent in tech, so adding a big VGT slice means you are betting even more on one sector doing well. That bet has paid off lately, but winning sectors rarely stay on top forever, and a sector fund can fall a lot further than a broad index when it turns. What I do is keep a broad fund like VT or VOO as the core, and if I want extra tech exposure I cap the sector fund at 10 to 20 percent of the portfolio. That way I still get the upside if tech keeps winning, but one bad stretch does not hurt the whole portfolio. Your 70/20/10 split is reasonable if you go in knowing the 70 percent is an active bet, and you are comfortable holding it through a rough few years.

bwhite9

Bitcoin will only ever be bitcoin. No matter what you do. For better or worse that’s all it will ever be. The risk is that everyone realized it hasn’t done anything useful in 18 years and that it likely won’t do anything useful any time soon they won’t buy it off you. All investments are risks. People spend massive amounts of time trying to quantify that risk and ditermined the risk of stocks, bonds, realestate etc. with stocks or realestate you can do future cash flow analysis. With bonds you can also do credit risk analysis. With bitcoin yo can do what? Speculate on when someone will actually come up with a use? Their are no cash flows to do cashflow analysis. It doesn’t sit on the liabilities since of someone’s balance sheet so no credit analysis. The risk isn’t that bitcoin will disappear like a failed bond or a bankrupt company. The risk is that you won’t find a greater fool to buy it off you for more then you paid. Or that you would have been better off buying something else. In the last 5 years the VT (total global market) has had more then double the gains of bitcoin. https://testfol.io/?s=dhp9IKMQG1F Also gold. Gold is special. There is nothing like gold. Special things don’t get replicated or they just aren’t the same. Silver is close but it just hasn’t been the same.

Flayum

Why? Retirement is long and those returns are important for longevity risk. If SORR is your concern, then there are far better (and academically supported) ways to prepare for that. Besides, VT or VTI don't have worse drawdowns than dividend funds anyway. 

Airewalt

VT is down 4%. That means they have ~$2,500,000 invested. 4% is a safe withdrawal rate for 30 years of retirement. 

zendaddy76

I’ll remember today. I’m down $100k, in one day, for the first time in my investing career. But I’m mostly in target date index funds and VT.

adognameddanzig

VT is for lovers.

GaylrdFocker

> But I see VGT as a similar VGT is not similar to those, but you're free to do whatever you want. Even VOO is only 40% tech, you're missing out on a lot of sectors. VGT can be added to VT/VTI (even VOO)+ VXUS if you want to be more aggressive with tech, but it should not replace the US allocation.

Flayum

Or just VT and chill

TemporaryCapital3871

2 totally different ETFs. VT is the entire world market, VOO is SP500. Don't get your advice from Reddit, im here too. Looking for solace. Do your homework

TemporaryCapital3871

VT and chill. 😆

OutkastAtliens

VT is so much more Diverse

Graybeard_Shaving

VOO is simply the S&P500 so you have not only single country risk but you don't even own the entire market within that single country. VT gives you full global market cap weighed diversification that automatically rebalances in realtime. Is VT more expensive? Yes, you'll pay $3 USD per $1,000 more in fees. You also lose the international tax benefit of splitting international and domestic holdings. If you want to save a portion of that extra $3 and gain back the international tax advantages, you can go with VTI and VXUS but you'll lose the automatic rebalancing. For me, VT clearly wins.

PM_asian_girl_smiles

No I mean why do you consider VT, VOO (and even QQQ for that matter) as short term buys?

AntiBoATX

I bet some 30% of 401k holders don’t know what an etf is and have the default VTI/VT/bond split based on their age when they started it

aspenextreme03

yeah i have a taxable that i do individual.. my ira is mostly for stuff like VT/BRKB, etc Not selling anything at this point or haven't but I love a good dip on individual stocks I can hold for another 5-10 years when i get closer to retirement or when my theory on that stock has given up the goat

autumnbreeznleaves

I like to gamble on individual stocks; but I try to keep that to 10% of my port and leave the rest in index ETF's like $VT.

SnottyTash

Yeah, I mean I'm down 5.5% today alone, VT (most of my holdings) down 3.37% so far. But I'm 33. Chin up, ride it out, buy the dip if you've got cash, and you'll thank yourself when you're 64

aspenextreme03

i was thinking about adding VT into one of my accounts

autumnbreeznleaves

Ok I'm done buying. Just added $VT to my earlier purchases of $SKHY and $CAT. It's been a brutal day, I'm currently down -4.5%, but surprisingly everything I've bought is trading higher than my purchase price. Margin calls going into close might change that thou.

Graybeard_Shaving

Oh shit, it's the BTC guys. The whole HODL crews. Best of luck! VT and chill, with a cunt hair of spicy side plays to keep it interesting. Anything outside of that and... https://preview.redd.it/q6ubvm62muzh1.jpeg?width=640&format=pjpg&auto=webp&s=a5460c0bb3134bd929e6147176400fdedbd33512

Juelz0230

You can make more from other ETFs besides the SPY, I rather have VT VOO or QQQ

Graybeard_Shaving

VT and chill. VOO is the inferior Bogle play.

Ok_Foot547

I agree but it’s definitely not nothing for the nasdaq to fall in 1 day what VT gains in a year. Time horizon is cool and all but this level of sell off is staggering

Yevon

The answer for 95% of people is to buy into a market-cap weighting world index fund, like VT. VT follows the FTSE Global All Cap Index, covering roughly 10,000 stocks across the whole world, and it's roughly 60% USA and 40% international. VT also has a very low fee (called an expense ratio) of 0.06% meaning $6 per year for every $10,000 invested, and it's automatically deducted from the fund's assets so you're not paying it out of pocket. I personally do two funds (VTSAX for the US market and VTIAX for outside the US) because I wanted the flexibility to have 80% USA for the past 25 years, and now as I get closer to retirement I want to shift that balance towards 50/50.

Objective_Note_8191

OP: Hi, I'm young with $25k and would like to set myself up for financial success CFP: Ok, let's think about diversification OP: Love it, put $600 into VT, I'll handle the rest

Minimum_Thought_5361

100% VT

garfunkel123

Too much guessing, too speculative, too risky for single stock picks. I just VT and chill honestly.

8--2

Shoutout VT and chill gang.

zendaddy76

My top holdings are down (NVDA TSM) but my next 4 are up big (MSFT AAPL GOOG AMZN) so I’m in the green. But most of my portfolio is VT and crushing. I might give up on individual stocks, at age 50 I probably don’t need the stress.

autumnbreeznleaves

This is gonna sound like an old guy, but this is why I decided to build my port like building a house. I am also big into the AI trade, but I decided to go w/ more index ETF's. I believe the AI trade isn't dead; but we are going to have sector rotations from time to time that are gonna feel like you got kicked in the balls. I have 75% of my port b/w $VT which I consider my foundation and $VXUS which is my support. I have 15% in the Pacific Asian semi heavy ETFs such as $EWJ, $VPL, and $EWY. I consider that 15% as building my garage. Than I have another 10% in speculative stocks. I consider that 10% as my deck. You need to build your portfolio's foundation and support first. And I am gambling heavily here with a very heavy World ex US port since I believe international stocks will outperform US stocks during this AI data center buildout due to the SK hynix, TSM, Samsung, ASML, etc of the world being heavily weighted in $VXUS and $VT compared to US indices such as $VTI or $VOO. And my port hasn't been fun to look at for the last 2 months. I don't know what you own; but it sounds like you are also an AI riverboat gambler so I'd look at putting new money into building a position in $VT. One huge mistake that I have made in the past is feeling like I had to continue to BTD in the same stocks to make sure I bought the bottom. The problem is we have no idea where the bottom is. It's better to put new money towards a foundation like $VT, $VTI, or $VXUS. If you are right all those stock positions you already own will eventually rebound anyway. But you don't want to get wiped out during these brutal sector rotations by continuing to BTD in the same stocks. It's possible they all rebound tomorrow. But it's also possible they all don't hit their bottoms until a year from now. I would bet on the rebound being sooner rather than later, but I can't guarantee that. Sorry for my long reply.

HoneyBadger552

Thanks europe. My VT is up today

zebedeolo

is there a reason for doing VOO and not VT?

autumnbreeznleaves

Thank gawd I've been BTD in $VXUS and $VT over the $SOXX. Gold finally woke up this morning.

Individual-Round2767

Invest mostly in VOO, VTI, QQQM, VT every month no matter whether you think market is good or bad. No matter what the news says. And you will be better off than 90% investors

InvestigatorThat5062

Yeah your points makes sense. I know VTI / VXUS hold literally thousands of companies( I promise, not just blindly investing what everyone says to do). So I guess I didn’t even think about it that way which I definitely should have been. As for the house account yeah! I think I edited the body to show the NOW current holding (75% SGOV, 25% VT, 5% SPMO) so pretty aligned with your recommendation! Thank you for the feedback.

autumnbreeznleaves

This is where you need to zoom out and then you realize this roller coaster isn't really that scary. As long as all the world's governments and CB's continue to turn on those money printers to go Brrrrrrrrrrr stocks indices will go up long term. Now individual stock names can be very scary if you bet the farm on AT&T or Intel instead of $VTI or $VT.

InvestigatorThat5062

After all the similar feedback to that & doing some more research online I did swap the house account to 75% SGOV (with DRIP of course) 20% VT, 5% SPMO. Idk if it’ll make a huge difference but having that little satellite holding of SPMO and just not looking at it until I am interested in pursuing a house purchase!

iEatPussAndAss

Just VT and chill, dude. You clearly don't have what it takes

BlueSwoosh248

I’d move your house fund to something like 75% SGOV, 25% VT. Rest looks fine to me.

Ok_Geologist6313

VOO has heavy AI weights but better than nothing. Just saying if you want less AI exposure. It also has no non-us stocks which people generally want. VT and chill or pair with a non-us index may be best.

Isollumanifta

Very good point, my head is killing me now. The “fun” account stopped being fun many months ago. The only saving grace is I actually do have 15k in VT in seperate brokerage that still refuse to touch and will keep adding to. I’m more disappointed in my behavior than anything else, full spiral into the most unhinged gambler meltdown behavior. And then how fast I snapped out of it after it was all done and the market closed, like a trance of self destruction. It was not worth it, especially since it was just a big spiral of addiction and desperation since that blow off top I had in July

Isollumanifta

Very good point, my head is killing me now. The “fun” account stopped being fun many months ago. The only saving grace is I have 15k in VT in seperate brokerage that I don’t touch and still won’t touch aside from adding to it. TBH I’m more disappointed in my behavior than anything else, full spiral into the most unhinged degenerate gambler meltdown behavior imaginable. That concerns me more then the losses overall, and how fast I snapped out of it after it was too late

autumnbreeznleaves

There has always been the possibility you're right. This is why you have to know what you're buying and what is in those funds. $VXUS will be hit if the AI cap ex bubble does pop like you think it will. But the fund's largest stock holding is $TSM @ 4.2%, Samsung @ 2% and Sk and ASML around 1.5% each. You are looking at 10% market cap in semi or AI stocks in the top 10 stocks in the fund. Now compare that to the $QQQ. $NVDA, both Googles, Microsoft, Micron, Amazon, META, and AMD come in at 36.5% market cap concentration. I'm not including Apple. Now if you bought $VT over $QQQ or $VTI those same 8 stock market caps are pushed down to approx 15 % of the fund/ETF. Now you will have to add in SK, Samsung, TSM, ASML but the AI/cap ex spending market cap stock risk is still reduced. The fact that I am now being downvoted as much as you are means that we might both be onto something here. Cheers.

randomReveller

I just went in big in may after a lucky house flip so I'm low-key nervous as I don't have years of dca to buffer. I also stopped dca and went lump sum and am rather letting my dca money regenerate my cash stockpile rather than the other way around as I'm in an exceptionally stable economic position otherwise (unrelated to investments). I've invested in VT tho so gotta be said but still the risk of a lost decade of global stocks is non zero atm

hot_sauce_in_coffee

just buy VT

FPLophobia

VT +0.08%, just saying…

markboats

Bought VT and CHSPI in April with a lump sum and then ignored it except for reinvesting dividends July I was up ~7%, currently up ~9% after hitting 11+% peak recently

_176_

How much is VT down?

autumnbreeznleaves

$VT and chill. The time to get out of crude oil was Friday. We have elections tomorrow. All the liberals that have been bearish will suddenly turn bullish after election results. Unfortunately we live in a world where fear & uncertainty sells. You buy during the fear.

autumnbreeznleaves

$VT and chill once again beats $SGOV and chill This time isn't different.

CarRamRob

A week like this? The World total market (VT) is down 0.5% This last week has been nothing special to most investors. A few who are concentrated in high risk assets maybe it was worse.

SpookyDaScary925

VT - I’m not a gambler

Capable-Raccoon-6371

The 60p bucks in VT is killing me lmfao

brock2063

Full port VT

GeneRider

First, kudos to you for recovering from addiction. For investments, don’t chase stuff because it’s talked up online. Almost all crypto is going to zero. Many stocks are going to zero. If I had your current holdings I would sell, except potentially one or two for which you can make a solid business case. The safe, effective thing to do is dollar cost average into cheap index funds like VOO and VT. Consider tech funds like VGT and QQQM, which have higher returns but also more volatility. If you want to bet a small fraction of your portfolio on individual investments, pick them because you can see they are excelling (eg because you are a customer of the underlying business). If you want to lose money faster, trade options.

Illustrious_Tax_5719

Lol it your only bet. Sell all and transition to VT. Why not sell if you saw them fall?

HoneyBadger552

Good lord thats a chunk. Go SPHQ or VT. gently gain back some losses

One_Talk_3410

Sell everything and buy VT and just keep buying VT on dips and never sell until you need to live off the money. 

AcanthisittaEasy5878

I won't buy VT now after seeing this

TreGet234

Looking at the numbers he probably started investing mere months ago so VT would be up less than 5%.

TreGet234

I can imagine him panicking yet wanting to buy the dip with his last few 100 bucks he still had in cash, but being too scared of the ai bubble he just panic bought VT instead. A true moment of enlightenment.

SameTrain8827

Stop putting any more money in these. Moving forward, pick a broad index fund/ETF (VT, VTI, VOO or XEQT) and stick with it. If you must buy these speculative stocks, stick to less than 5% of your portfolio.

ZnJjX2N1Y2s

VT, there is hope for you yet. Imagine if it was all in VT and you had done nothing. :galaxy-brain:

cbusoh66

Just move everything to VT before the other 3 drop another 50%

Chief-Keefs-Parakeet

VT is only if you want to get rich at 93

pants_full_of_pants

Coulda just bought VT and gone AFK and have 220k

Past-Option2702

VT has all 3 of those stocks in the exact proper amount (market cap weighted). You played a stupid game and you won a stupid prize.

National_Double6261

4 shares of VT? What are you Jack Bogle

TheRealArmament

Sell VT and DCA in the other tickers

FunPoet7977

Hold DRAM. And never pick stocks again. Stick to VT/VTI/VOO. If you find yourself itching for a cheap thrill, put 5-10% in SPMO.

Glum-Cash3869

never thought holding VT would feel like a wild roller coaster ride but i mental illness finds a way

PenImpossible483

VT

kat_cc

Just buy VT, set it up on auto investment, and never look at it.

zendaddy76

I usually look at forward pe and 250 day moving average. If macro environment looks ok, I add to my positions where I have conviction. But this is in my Roth and I’m holding for at least 10 years. I started doing this in 2016 and have outperformed VT by 82% in my “play money account” (which I limit to about 100k). You can’t win them all, but the pullbacks in 2018, 2020, 2024 (tariff tantrum) and 2025 (Iraq war) did wonders for my individual positions. That said, 90% of my investments are in VT or TDFs. This year I’ve added to MRVL, AMD and TSM in April, CRWD in July, MSFT in August, and Google and AMZN on Friday (first time buying AMZN). I still hold AAPL (my first stock pick in 2016, followed Buffet) and NVDA from 2020. Play the long game and be patient. I’ll be retiring 3 years early bc of my winners. 👍🏽

HoneyInteresting220

I’m 50% VT 50% Goog

SellingTheta

It’s not just money lol. This affects a lot more than that and I’ve seen the mental damage this can cause. If you have kids and a wife as a man you should really really cash out everything and start DCA into VT or some other brain dead etf

dissentmemo

I said stick to VT, aktchually

dissentmemo

And VT would have covered that.

dissentmemo

This. At 33 VT will make you rich long term. No need to speculate.

Status-Effect-2387

Disruptor disrupting for 25 years? Then its no longer distrupting. Stick with VT, Voo bro

alive_well007

bought about 15K worth stocks today. AMD/OCRL/VT/QQQM

autumnbreeznleaves

I lied. I just bought more $VT instead of waiting. We are gonna get a Trump TACO before the elections. I wouldn't want to hold crude oil or shorts over the weekend.

OverloadedTech

Anyone in VWCE or VT here? I know ETFs are too calm

autumnbreeznleaves

$VT helps and cuts the market cap of $VOO stocks nearly in half by adding roughly 38% international stocks and also the entire US stock market including stocks outside S&P. $VTI is the entire US stock market adding in small caps to $VOO. $VXUS is all international stocks ex US. I would start there instead of buying more $VUG, $SOXX, $QQQ, $SPY or $VOO positions.

autumnbreeznleaves

I have an open limit order to buy more $VT at $152. I still think $VT and chill > $SGOV and chill. But, we shall see if you are finally right this time.

HoneyBadger552

Adding to VT. All along the way. 

autumnbreeznleaves

Does $INTC crash remind you of 2001??? These last 2 weeks remind me exactly why I moved to 90% ETF's. -3% down days hurt, but you don't have large positions w/ -28% days like Intel is having wreck your entire port. Fortunately I sold my $SOXL position yesterday. I'm taking swings on opening positions in $CAT, $SKHY, and $NFLX this morning. I will likely buy $DE as well. No more than 10% in individual stocks. My port is 90 % $VT, $VXUS, $EWJ, with some shinny Gold paperweights holding the whole damn thing down. This might not work but $VT is my port's foundation and $VXUS is its support. $EWJ is that fancy garage where I listen to Rock music and work on my other hobbies. If you are right and AI data centers cap ex is over $VXUS will absolutely under perform $VTI short term. I don't believe that is the case. Now I'm gonna listen to that new NEK! MV for the 10th time. Rock music is so back. Cheers.

SellingTheta

VT and chill boyos

Hihaho80

Right there with you lmao. Started in June so I just conversed to the VT and chill world

Hihaho80

Yeah Im out. 80% VT 20% cash