VT

StophJS

Tempted to liquidate my VT here and put a third into ASTS, RKLB and NBIS. But if I do they will never recover.

Unusual-Eagle-9451

VT still green YTD

Acrobatic-Song-3151

If Tesla and Space X end up being 7% of Spy I’ll just put my money in an equal weighted index. The only things I’m nibbling at today, while selling flowers, are VT and VXUS.  Also a tad short Tesla because it’s worth almost nothing. 

moosewithamuffin

Puts on VT

StophJS

Tbh so happy to have moved the vast majority of my money to VT and auto invest. Actually feels good to see a big correction. I know, I don't belong here.

Maximum-Sign-5983

67% of my money is in AMZN. Put the rest in VT 33% and I’m deleting Robinhood.

fakerfakefakerson

Start with the assumption that global market cap weight is optimal then deviate if you believe you have either identified a market inefficiency or have a utility function that differs from global aggregate investor base. You’ve almost certainly not done the first (that’s not to say the markets are perfectly efficient, but if you’re asking this question, you probably aren’t in a position to identify that correctly). The second is very likely true, but you still need to be able to identify what that means for yourself and translate that into a portfolio allocation (which is no trivial task). Failing that, you’re probably going to be best served by just buying something like VT and losing the password to your brokerage account for a while.

sapoabilio

If you can't answer to that yourself, my suggestion is to buy VT and read.

Dear-End8908

Don't rebalance. Buy $VT ad infinitum and don't sell until you are close to retirement and rebalance with some fixed income or whatever allows you to sleep at night.

DependentCheck992

VXUS is shit compared to VOO/VT

geetarman84

The two I mentioned was to rotate more into growth SCHD to VTI and EPD(mainly to dump a MLP I didn’t need the income from) into VT. My portfolio is all boring ETF’s, VTI/VT/VXUS/SCHD, 6% BND, 6% IAU and maybe 1 or 2% stocks. My trading days are over.

GaylrdFocker

For a taxable account stick to ETFs. You shouldn't have to worry about capital gains being forced every year and they are easily transferred if you want to change brokers. Just do 100% VT, that will cover the entire US and Intl market.

ClosedDimmadome

The rationale behind it depends on what you're invested in. If you invest in some random penny stock, there is effectively no reasonable argument to keep investing when it's going down. If you invest in something like VT, an ETF that tracks the global market, you're betting on the entirety of the world's economy not to implode over a 30 year period. I agree with others who say invest when you have income. Keep that emergency money in the HYSA. Best of luck on the job search!

bobby1128

thats overview. VT, VXUS, and VOO each make sense depending on someone’s outlook, and you laid that out well

MizDiana

I previously wrote the below in response to a question asking what would be considered a safe long-term asset: Diversified. (A single company being 10% or less of your portfolio, or an ETF with broad holdings. This includes similar investments. I.E. holding two computer memory-producing companies are not diversified. You can see them as sharing the same risk profile.) No known volatility. (Commodities, penny stocks are volatile. Foreign bonds issued by a country or company at significant risk of default are volatile.) Key holdings of the investment not located in a likely war zone. Not dependent on political support. (Will a change in government = death of the investment. See: Biden-era initiatives to spur rare earth mining & refining that were killed off by Trump. Also, this is why Exxon won't invest in Venezuela.) Not heavily taxed. (I.E. Real Estate held in jurisdictions with a large annual property tax. That CAN be okay, but only if you have good reason to believe in long-term appreciation of the real restate will significantly out-perform the tax rate and/or it earns rent. I mean, we're usually only talking like a .25-1.5% annual tax here, but that is applied on total value, not gain.) Not easily stolen (this rules out physical metals & crypto). I mean, I'm crazy enough to have silver in my portfolio, but I don't keep physical silver. I like my ETF silver to be insured and held in a vault with professional security guarding it. Actors more powerful than you also have a significant interest, providing a protective force against malign actors. (Basically, would screwing you over on your investment also screw over politically powerful rich people - not individual power but class power? If so, the power of those rich people will help you. For example, it is highly unlikely that - even under Trump - the USA would default on its debt obligations. Why? Instant political death for anyone who does so because soooo many rich Americans & powerful institutions hold bonds.) Increasingly, I like geographic diversification as well. (So many investors are 100% invested in U.S. stocks, for example.) A good portion of my portfolio is quite safe by these standards (BBJP, EWY, VGK, as examples). A good portion of my portfolio is NOT safe by these standards. But I don't expect it to be & I more regularly check how those non-safe assets are doing. All that said, no investment is a guarantee. Intel, for example, used to be thought of as a rock-solid blue chip super-safe performer. It is down 20% over the last 5 years & is now pretty volatile and exposed to a government-held stake. -------- Because I have a fair knowledge of international affairs & thus a sense of where has better underlying economic fundamentals, I invest in region and country-specific ETFs. I re-evaluate where I've allocated my funds about once a year (or when major elections happen in areas I am invested in). If you don't have that knowledge, my strategy would be less useful to you. A common strategy recommended these days is "VT and chill" - VT is an ETF that attempts to replicate overall global performance. It has U.S. stocks, European stocks, Asian stocks, African stocks, etc.. It's the way some people try to achieve asset & geographic diversification I talked about in my screed above without having specialized knowledge. VXUS is a similar index fund that has only international (not-USA) holdings. It is what people recommend for investors that don't have specific knowledge that can add value & believe the USA is in for bad economic times over the next 4 years or more. Before Trump (and still today) you can see a lot of people recommending "VOO and chill" - VOO tracks the S&P 500. Essentially it is a holding diversified but geographically not-diversified (all USA stocks) fund. It's what people recommended for low-attention multi-year investing if you believed America had economic advantages the rest of the world did not have. So there's your three basic recommendations for someone who doesn't have some specialized knowledge they can rely on most people not having. VT = whatever, just invest in everything so I don't have too much risk anywhere and because improving technology should mean the world economy always grows. More or less what /u/pikapika505 and /u/brewgeoff suggested. VXUS = same as VT, but I think the USA is in for shitty economic times. VOO = same as VT, but I think the USA is special and will consistently do better than other countries.

Emotional-Power-7242

In a taxable account it's better to use ETFs than mutual funds because they're more tax efficient and if you should ever decide to switch brokwrages you can just take ETFs with you. So yeah just VT or a combo of VTI/VXUS.

Familiar-Stranger172

Fidelity 401k user here, 27 years old. Here's my allocation: \- 50% FXAIX (S&P 500) \- 25% FSGGX (international) \- 10% FSMDX (US mid cap) \- 5% FSSNX (US small cap) \- 10% company stock Mind you, this portfolio is paired with a roth IRA that is 100% pure VT etf.

Emotional-Power-7242

During unemployment is a terrible time to start investing. So go get a job first. Then contribute lots of money to your 401k and/or Roth IRA, put it all in VT, and don't worry about it.

Putrid_Pollution3455

God would be a little annoyed that you’re risking this much instead of buying VT/USFR and donating the interest and dividends to charity

Jack_at_BrewLedger

Just buy VT, chill, and thank me later

GrandGlacier1

I started buying more VXUS and VT recently. Before I was a 100% US equities investor. Not to mention China has been making trade deals with Europe/Asia while the US has been alienating everyone. 

brewgeoff

Buy the global market, if you deviate from that you better know what you’re doing. Your core should be VT/SPGM/DFAW or something with a similarly global approach.

blorg

I'm European living in Asia, I think the US is overvalued and international is likely to outperform over the next decade but I also think you'd be nuts to rely on that and dump the US entirely, it could well be wrong. Almost all financial analysts have been pointing out the US is overvalued by CAPE, etc for the last decade and have been predicting lower US returns. And they have been dead wrong for the last decade, until the last year. If you followed this advice ten years ago, you would have done absolutely terribly. I just buy VT, US and ex-US, I will take whatever the global market return is. Not all-in on the US, but certainly not all-out on the US either, I still have more US than non-US.

AverageAngling

Are you trying to buy a house or not? If yes keep it in cash (HYSA) or tbills like SGOV on a broker. If no invest in VOO, VT, VTI etc

3VRMS

VT and chill if you want higher risk, keep up the passive investing over the next two years. Or add some bonds in of you want to tone down the risk a bit + have more dry powder to endure/make more money should a down period arrive.

Emotional-Power-7242

If you are going to put all your money in a low fee target date fund or VT/VOO and never take it out till you retire it is better to do it yourself. It will probably do better than the advisor and you will pay less in fees. It will almost definitely do better than the broker after fees are subtracted. If you are going to do anything other than buying a target date fund or VT/VOO it may be better to use the advisor.

BallEnvironmental670

I'm holding VT, so probably less than 1%

zxc123zxc123

This. OP is just a retard. I can't believe first commenter even gave them such a serious answer. Like you know what are the largest constituents of VT? https://finance.yahoo.com/quote/VTI/holdings/ Top 10 accounts for about 34.5% of total fund. SpaceX IF it got to 1.5T would be at the bottom of the top 10 if not right outside of it. >"You are literally becoming the exit liquidity for the VCs and insiders who got in early. They cash out at the top, and you are left holding the bag for a mature asset that is priced for perfection." Also OP is also wrong in thinking IPO = "the top" as the majority of companies continue to grow post-IPO. Plus OP talks like VOO/VT/VTI doesn't already have exposure to SpaceX """"They cash out at the top, and you are left holding the bag"""" Alphabet GOOGL/GOOG BY ITSELF owns around 7-9% of SpaceX shares. Bank of America bought in on a 2018 funding round. So even in the improbable case of immediate listing and addition into the index. AND then the improbable case of immediate 100% exiting by existing shareholders. AND THEN the improbable case of immediate of SpaceX going to $0. Even in that specific case, would probably lose even less than 2% cause the 100% exit by existing shareholders would mean Alphabet, B of A, and other companies dumped their shares.

sami_regard

SpaceX will not go tits up. Guaranteed. VT will continue to be safe fund. You retard.

42nd_loop

DFUS is the VTI alternate and DFAW is the VT. Again lol I stated in the long form, the difference is negligible and not worth rebalancing a brokerage account or losing sleep over. If space x and open ai do collapse, markets fucked for a bit

42nd_loop

Essentially, the are “actively” managed but not in the bad way of *certain* types of ETFs. They do a variety of small differences in order to not exactly follow the index like tradition index funds. The big example is waiting longer to buy IPOs as most IPOs are naturally overvalued and fall shortly after. Another improvement is excluding a lot of small- cap “black holes” that have historically had major losses, yet are still included in total market indexes and thus index funds. They aren’t major and have technically, slightly, underperformed the traditional index funds, but the logic behind them is strong and why a lot of people follow them. Ben Felix has a couple videos on his YouTube channel explaining the benefits over VT and VTI, but tbh a broad market indexes fund is like 99% of the way to be the best. The strats that Dimensional uses are great, but the market isn’t immune. For example, if space x and OpenAI collapse like OP predicts, the market is fucked regardless of which fund you invest in as Amazon, Microsoft, Google, etc are public companies and have already invested massively in these companies.

CApoontappa

What about the insiders that will turn their 100k-1M investments in those companies pre ipo that will 100x their money... wont many exit and put that money into etf like VT or Vti?

zendaddy76

OP, it takes a 2-3 year time horizon to see these things play out, and you won’t win every investment. I aim for an 80% win rate on a 1 year basis, compared to VOO and VT, and even then I only invest 5% of my net worth in individual stocks. GOOG for example was a great pick up at 150. If you feel like you’re not good at it, however, just stick with VT and chill 🤙🏽

Code_X_HD

Do I look at what VT is investing in or just invest in VT?

Emotional-Power-7242

Buy VT and actually make some money for once G

GriffinTurbo

Went through the same thing at your age (I'm 28). Looking back, I'm grateful. I flipped it into a positive by realizing active trading is a loser's game. Open a Roth IRA & commit to maxing it out every year into index funds (VT/VTI). Start now, you'll have millions by retirement in tax-free gains. If you want, set aside \~$5K to see if you can actually become profitable/beat the market long-term (Spoiler: You won't and will lose it all). Good luck! PS - You currently have 7X more money than the average 24yo. Fuck that up at your own discretion.

WineNot2Drink

VT is the new VOO. And yes, it’s heavy USA but I just think it’s better to diversify outside the USA these days.

corn_dick

Less bad but also bad! 50% of VT is US markets. Smart investor will exit US entirely at this point, beside select companies

h2opolopunk

VOO and chill is old and busted, mate. VT and chill is the new hotness. 😎

RoverV

Just buy VT, add to it whether it’s up or down, don’t add money you need to survive, and never sell. There are sometimes periods the market is down or flat for long periods of time. If you have a plan and stick with that plan, you’ll be fine. If you need money in the short term, just utilize a high yield savings account.

Virtual-Ducks

how many years have you beaten VT?

Virtual-Ducks

No, because the finance nerds have already done that and the price already reflects that. Let's say there was a some new strategy out there that out performs the market. As soon as it's discovered, everyone emulates it and it immediately becomes baked into the stock price. Now that the new strategy is baked in, you need something new otherwise you're back at gambling. (Do some research, this is a complex phenomenon that is hard to explain in a short post).  For you to beat the market, you would have to find stocks where literally everyone else is underestimating the stock, in which case the stock will be priced at a lower value than their actual value. For you to predict that a stock is undervalued, you'd have to know something that everyone else is missing. Which is not impossible, if you have expertise in a specific area, or you have a wealth of financial, economic, survey data your company has collected that is not available to the public. But you at home? Unlikely, unless you are an expert in something (e.g. AI researchers could probably see the AI boom coming a few months before everyone else caught on. A specialist doctor might see the value in some new biotech development before everyone else realizes it's market potential, etc.).  Sure, you can do some research and have some sense of which companies are more or less risky. Coca cola is a fairly stable company that isn't going away. That new startup might go to the moon or crash completely. Your research may get you that far. But beyond that, it's very hard for the average person to predict what happens next. It is effectively gambling, not investing. the vast majority of people don't beat VT and those that do, simply got lucky.  Planet Money podcast recently had a good episode on bubbles that touches on this, that I recommend you listen to. 

MomentPrestigious180

UGL --> ZSL --> VT I'm officially done (see you tomorrow).

MomentPrestigious180

A day like this is why I'm glad I switched to VT 100% the other day.

codeartha

Your filters are sound, however that's not all for a good strategy. That said don't listen to that butthurt commenter above that there is just no point trying to beat VT because nobody can. This is plainly not true, lots of people can and do beat VT year after year. No need to be a hedge fund, actually its harder for a hedge fund to beat the market than for an individual, nor do you need a degree in finance. You do need some financial education, but you can get it on your own. Why can an individual beat the market, because the market is not efficient and because of momentum. Both of these create a lag between the real market and a theoretical efficient market. Market takes time to react and often overreact. This gives the market hysteresis and gives you time to enter or exit not before and after a move but at the beginning and end of a move. You don't need to nail the exact bottom and top. An individual can get in and out much quicker that a hedge fund because you are smaller. You wont singlehandedly affect the price. An individual can also be 100% cash during some downturns, thereby avoiding the big drawdowns some fund have. You will have drawdowns, just smaller ones. What more do you need to make your filters into a strategy? Well some risk management and money management rules. They need to be set in stone, written down in your investment plan. You need to track your trades and then review them to check if you followed your plan and what you did wrong so you can improve next time. Even on trades that were big winners.

R3dFiveStandingBye

Add VT too

IDrinkSulfuricAcid

Bagholding AVGO, NFLX, MSFT, UNH, and now NVO. Maybe I should fullport VT and be done with it. But nah. I hate money.

Glad-Lie8324

Most people don't know enough to fairly value companies. That's the simple truth. Institutional investors who manage millions might know a thing or two, and even they only find great opportunities once in a while. Only something like a third of all equities outperform the market over a 5 year span. That number drops more and more over longer time horizons. Only 4% of equities account for all the wealth generation of the stock market since the 20's. If you think you're finding genuine opportunities that everyone else is missing, it's more than likely you're chasing the hype and you'll get burned in the long run. With that said, I too think I'm smarter than everyone in the whole world and have deluded myself into thinking I can make money on equities so I allocate a small portion of my portfolio (10% or so) that I try to beat the market with, just to scratch that itch. My opinion is that truly great opportunities are more scarce than plentiful, and I try to limit my number of "buy" to 3-5 per year. I aim for companies I would never sell and basically try to follow all the Warren Buffet principles (competitive moat, great company at a fair value beats fair company at a great value, high free cash flow, strong ROE and ROIC, strong balance sheet and good cash management to weather storms, quality management, etc. etc. TLDR: Opportunities don't exist for the layman, and you should just VOO/VT and chill unless you hate money.

oran12390

I've also diversified for that reason. When I first started investing I allocated 90/10 to US/World but now I'm closer to 70/30. Compared to 10 years ago it feels like the market is more irrational far more often. That type of volatility makes me nervous. Probably going to end up with 50-60% in VT.

Virtual-Ducks

First you get a PhD in economics/finance/computer science/math, then you would at a finance company with a team made up of some of the world's smartest humans where you conduct thorough, advanced analysis over the course of weeks/months/years. Or perhaps you have some advanced degree (MD, engineering, etc.) which gives you some special insight into the impact of some startup that others haven't seen yet.  Otherwise, buy VT. You are not going to be able to compete with finance groups spending literally millions of dollars on large teams of world experts trying to answer this question. 

ComprehensiveEbb4978

VT

SmilodonEX

Currency moves cut both ways. Chasing FX swings is a tough game.. SPY vs VT is more about diversification goals than trying to time the dollar.

valuevestor1

Yes. But in any other currency such as Euro or CAD, it has risen a lot less. If you still didn't move from spy to VT, now is the time to do it. The dollar is losing its value, along with the assets denominated in the dollar.

mtnrnnr802

Are you from VT??

IBangTokyoWife

VT and chill. No need to overcomplicate

chasingnirvana9

VT

Trom22

VT performance has traditionally followed US stocks. Even recently it barely has outperformed VOO. If u want international exposure consider FRDM

Victah92

if volatility keeps you up at night, you’re not ready for options yet — and that’s okay. Most adults aren’t either. Start boring (VOO/VT), build income outside the market, and let time do the heavy lifting. The goal isn’t fast money, it’s staying in the game long enough to matter.

axewoodsman

Sorry to hear that. Just invest in an index like VOO or VT and hold long term. As long as you have a job, just reinvest any extra money into them over time, you'll make your money back eventually and more.

Helpful-Staff9562

VT and chill

Rockatansky77

Invest in everything, diversify. VT, VTI/ VXUS. Add some momentum or a specific sector you have faith in QQQM FTEC VGT SOXX SOXQ or maybe you want small caps. If you want precious metals and or Bitcoin make it 10-12%

YouOk5736

I'd either go with VT or AOA

TreGet234

Might be good to look in decent dividends now on the 10 year or something. A global index fund like VT or VXUS could be good too. Or one of the high dividend index funds if you suspect an imminent crash. Personally i will exit tech before october/november earnings. Shit's a time bomb.

Comfortable_Yam_9391

This is dumb af you are going to get reamed by a bear market. Also all of that is the same thing. Look at what is actually in the ETFs, you basically just have large cap stocks and bitcoin gold and silver. If you want a simplified portfolio just buy VT. Or buy VT and QQQM or SCHV if you want higher exposure to large cap. You should change this because it doesn’t make sense and you are going to get rug pulled on BPRO because you are buying a new ETF that covers commodities at ATHs

swissmoneydude

https://preview.redd.it/jvgr3ou8vwgg1.jpeg?width=1320&format=pjpg&auto=webp&s=b0513f415980dd2df19da3bf94b07a274b6c9cda My regarded a\*\* should've just kept the VT dca going...

MrMoogie

Most people on this Reddit will be from the US so won’t recognize these ETF’s. The answer is yes, the US was on a tear the past 15 years and VUSA (VOO for Yanks) was the place to be. A Global fund is sensible because the US has got expensive and you do want some currency hedging. Right now I would say it’s very important to have international diversification. Even with VWRP (VT for Yanks) you’ve still got massive exposure to the US.

bofoshow51

Investing is largely very simple to be successful. You do not need an advisor to manage anything, in fact he’s likely costing you on returns. Prioritize money into tax advantaged accounts like your tfsa. You should be able to create a Wealth Simple tfsa and transfer any balance between your current account to that as a rollover. Next is choose a 3 fund portfolio based on your time until retirement. The 3 fund portfolio should be compromised of 1) US stock market, 2) International stock market, 3) govt bonds. Since you are only 19 y.o. You could easily forgo bonds until you are about 10 years away from retirement, because stocks are more volatile in short term but have much better returns in long term, bonds help reduce volatility in down times but cost you returns. Next is choose low expense ratio ETFs (less than 0.25%, many many good options are less than 0.08%) to fill your 3 fund portfolio. The industry standard are VTI (US total market) or VOO (US S&P 500 market) and VXUS (International market), or to be even more simple VT (Total World Market). VT balances itself to represent the total market weight of the global economy, currently it’s about 62% US/38% International. You can also just do VTI/VOO + VXUS at whatever balance you want to mimic that, I personally am 70/30 VOO + VXUS. And that’s really it. Throw your money on these and let it do what it does best, grow about 8-10% annually over the next 30+ years. Drop the advisor, his expenses are likely eating into your profit and growth without any meaningful benefit, as over 92% of active fund managers fail to beat the market returns.

leaning_on_a_wheel

Just buy a broad index fund like VT and never sell. That’s all you have to do. If you’re paying the broker anything you should severe the relationship

Locke_____Lamora

How retarded do you have to be to have that much in crypto. Just put it in VT and chill lmao

bigfern91

I have large positions in VOO and VT

onewonyuan

If VT goes up 100x in the next 20 years, then that likely means that we went through a Zimbabwe-style hyper inflation event.

zeroabe

VT?

bparrish

VT

Several_Degree8818

VT bud, VT

Squirmme

There are thousands of choices. We don’t know what you actually want. If you want casual investing go VT If you want to get more specific look at etfs. Qtum is a good tech etf Arty is a good ai etf Xle energy Xlf financials ETFs are good because they spread your risk out but capture sector movement. Individual stocks you should do research before getting into. I recommend exploring Ai, tech, drones, rare earth minerals, financials…those are all hot right now But final note… keep like 80% or more of your investments in safe, broad index funds like VT. That way you are okay if your picks don’t work out. Your risk is yours to determine. Good luck

Disastrous-Wonder153

VT

swrrrrg

Most people should not own individual stocks. You don’t have the knowledge or the skill to beat the market and frankly, most people lose money trading options. Reddit is the epitome of people who are “vibes” investing. You’re listening to people who have never lived through a genuine bull market. ETFs like VOO or VT exist for people like you. There is no shame in that, but you need to recognise that yes, they will be red sometimes. This isn’t a get rich quick thing. Investing is generally meant to be a long term thing.

FudFomo

You need growth at your age, not dividends or bonds. Some btc, some gold, some leveraged tech (QLD) are good, but 80% in VT and you can set and forget.

Prestigious_Garlic_9

Ticker: VT Potential entry: $144.86, $145.00, $145.33, $145.50 Potential take profit: $146.12, $146.47, $147.00, $147.59, $147.83, $147.99 Ticker: VOO Potential entry: $629.89, $631.96, $634.50, $634.55 Potential take profit: $636.78, $637.08, $638.42, $639.24, $641.47, $642.21 Ticker: VTI Potential entry: $337.72, $338.39, $339.56 Potential take profit: $340.64, $341.23, $342.04, $342.52, $343.94

Dear-End8908

I've been buying VT for 12 years and haven't sold yet, and I'll probably never will.

LotsoPasta

I personally invest in equities and bonds only because of their fundamental value proposition. My primary goal is growth, and interest rates are low relative to expected equity growth, so I'm weighted 90% equity and 10% bonds. Equities produce everything. Ultimately, it's labor that produces value. You need to make assets move for them to get something out of them, and equities are the only thing that does that. I invest in a global market index (VT) because it closely resembles the global value of equities. For the long term, i dont believe strongly in any company, industry, or country (not enough to expect trajectories wont change), but I do believe humans will crack on and continue to progress as a whole one way or another. The value of bonds is contractually defined. They will pay $X dollars over Y years unless the guarentor goes bankrupt. No other asset class has the level of calculable certainty. I invest in a US-based currency bond index fund (BND) because it's the currency I trade in, and I'm not interested in currency risk. BND is as diversified as I can get without taking on risk of other currencies. I also use USFR and GOVT for tax efficiencies and safety associated with US treasuries, and I have a small position in SPHY as BND lacks junk bonds, and it helps balance my weighting back toward corporate bonds given my use of treasury funds. I dont invest in static assets or currencies as they dont have a value-growth proposition. When you invest in other assets, it's pure speculation they will be worth more later. I think they can be valuable as wealth preservers (albeit with a lot of volitility), but my main investment goals are growth.

yehancha

VT?

RepentantSororitas

nah VT

Glad-Lie8324

Sound like you’re trading more than investing. Aim for companies you can hold for 5+ years that you know something about (ie are familiar with the business and 10-k and their strengths weaknesses), an have a competitive moat. If you can get in at a good price that’s a bonus, but the idea is, the company is worth more than the cash. You’re not worried when it falls because you own a great business with great people that will ultimately bounce back.  How much should you research a company? In my opinion a good rule of thumb is once you know enough to stomach a 50% drop and not sell because you believe the company will bounce back long term. If after digging into a company you find the upside is not worth this kind of risk (even though, yes, a drop like this is unlikely for great companies), it’s not a company you can put money on.  That’s a lot to stay on top of for a single company, and even more for many. If you don’t know much and you’re just buying and selling to make a quick buck, it’s going to end poorly and you should just DCA into VOO/VTI/VT. 

Stunning_Demand_

Damn 19 with 12k and you lost half of your portfolio? Shove the rest into an Roth IRA and lump sum or DCA into VT

Naive-Suit3916

maybe VT?

Equivalent-Loan-7231

Depression and stock volatility can be a bad mix. While VOO generates good returns on average, a bad cycle could deeply affect you. Make it 70/30 VT and BND generates lower returns on average but could be better for your mental well being and beats cash sitting around.

johnsmith0051

Maybe VT and chill?

menghis_khan08

I mean I just don’t know what to do at the moment with the house nest egg. Mostly keeping it in cash. I can’t buy for a year I’ve got maxed 401k and maxed backdoor roth p much all in spy/voo/VTI/VT

VeterinarianThis6567

Hi im 23 and want to start investing. I have $10,000 in saving and wanna start by investing $1,000 to “dip my toes in” this past week i’ve been researching about how to invest and the stock market. I’ve decided that I am ONLY investing in ETF’s and not individual stocks since i’m still new and inexperienced. Im looking for long term growth. Should I use fidelity or robin hood? I made a list of ETF’s I’m interested and I need help deciding which to start with and how much to divide my $1,000 between them. The ETF’s are VOO VTI VT VXUS QQQM SCHD VGT So far i have 2 portfolio plans. Plan 1 VOO QQQM SCHD Plan 2 VTI VXUS VGT

cjorgensen

> feel like i'm either doing shallow research and missing things, or spending entire weekends researching one stock So buy them all. VT and chill.

VeterinarianThis6567

Hi im 23 and want to start investing. I have $10,000 in saving and wanna start by investing $1,000 to “dip my toes in” this past week i’ve been researching about how to invest and the stock market. I’ve decided that I am ONLY investing in ETF’s and not individual stocks since i’m still new and inexperienced. Im looking for long term growth. Should I use fidelity or robin hood? I made a list of ETF’s I’m interested and I need help deciding which to start with and how much to divide my $1,000 between them. The ETF’s are VOO VTI VT VXUS QQQM SCHD VGT So far i have 2 portfolio plans. Plan 1 VOO QQQM SCHD Plan 2 VTI VXUS VGT

Ok-Educator5253

Why have an IRA managed by an advisor “friend of the family”? Pick SPY VT VTI VOO VUG SCHG or QQQM and call it a day. You aren’t paying him I hope.

RagnarokWolves

VT and chill big dawg.

IllllIIlIllIllllIlll

Lol. It's an absurdly specific prediction to say with such certainty. Funny how not so long ago, the Reddit hive mind would downvote to oblivion anyone suggesting that US exceptionalism probably won't last forever and it's better to own VT instead of VTI. And today, the Reddit hive mind has decided that international will for sure 100% outperform US and you get downvoted for saying that it's better to own VT to keep some US exposure instead of VXUS 

DelanoK7

“Fuck investing, I’m done” “Just going to VT and chill from now on” Brother whatever you were doing wasn’t investing and now you are investing

Guilty_Psychology_28

Honestly, fuck investing. I’m done. I thought I was buying a stable asset that has been used since ancient times, not Fartcoin. There is literally no way to win at this shit if you’re not insider trading. It’s designed to extract all your money. I’m just going to VT and chill from now on.

__redruM

You stay in index funds. VT if you really want to play it safe.

blorg

The whole point is that foreign unhedged bonds don't do what you want bonds to do in a portfolio so are a generally bad idea. It is generally considered that you are best off getting your foreign exposure from foreign equities and that's what I do. There is no point holding cash beyond an emergency fund, and an emergency fund should be in the currency of the country you live in. I just invest in VT, one and done. I'll probably add some bonds when I get closer to retirement.

GrandGlacier1

CR plus market is so unstable. Trump tweets and healthcare tanks. It’s like we have to monitor the market daily if we’re not 100% in VT only.