VT

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

rpv123

My “fun” portfolio that represents about 5% of my overall savings is up 111% since last year with no added stocks since Nov 2024 and I’m still only putting money into “safe” ETFs because I have the ability to recognize that I probably got lucky with AMPX going up 5x what I paid for it and it includes Walmart as well which helps. I’m still putting most of my money into VT/VTI (yes, I know they overlap, I don’t care because I like my specific ratio/risk analysis and I think the argument that they’re redundant is dumb.)

dard12

Too much international for me. I prefer closer to 5-10% and VT has like 35%. Buy VOO + VXUS and you can tweak how much exposure you want.

sneakyxxrocket

VT

usrnmz

VT.

BullishDaily

Yeah do this OP…you can still invest it but VT and chill…

SpellAccomplished541

True. I just want to share so young people buy VOO/VT/VTI/etc instead of listening to hot tips.

Putrid_Pollution3455

Depends how hardcore you’re investing. People in the leanfire sub, saving on their water bills by drinking their own piss so they can buy more VT is absolutely degenerate

FrankDrebinOnReddit

I calculate rolling beta and relative volatility against the FTSE Global All Cap Index, the index that VT tracks.

argo-navis

VOO is definitely the gold standard (funny how it used to be SPY — but Vanguard’s taken over!). Sometimes VT. I’m Canadian and a recent popular index of the past while is XEQT — basically a diversified total world ETF but with higher Canada exposure than other world ETFs do.

Infamous_Ad8730

Should also have a large all world etf like VT too.

Dapper_Addition_3837

Yes, you should probably fire her and go VT & chill (or VTI + VXUS).Quick math on your situation: * $450k at 1% = $4,500/yr you’re paying * Over 25 years at 7% real return, that 1% drags your end balance by \~$600k–$700k (compounding is brutal) * Your returns = S&P 500 minus 1%, not plus anything * She won’t even help with a 529 → you’re literally paying for nothing you can’t do yourself now You’re young, disciplined, already educated yourself, and have 25+ years. That’s the exact profile that almost never needs a 1% AUM advisor. The only real value left would be behavioral coaching in a big crash, but: 1. You sound level-headed 2. Even if you panic once, one bad move still costs way less than $600k in fees Do this instead: * Move everything to a low-cost brokerage (Vanguard, Fidelity, Schwab) * 90-100% VT (or VTI + VXUS) + tiny cash bucket if you want * Rebalance once a year or let it drift * Set up your own 529s, HSAs, etc. — you already proved you can Keep \~3-6 months expenses in cash/high-yield, then let the rest ride. You’ll sleep fine and be hundreds of thousands richer in retirement.If you ever get to $2M+ and life gets complicated (multiple properties, big tax issues, estate planning, etc.), you can always pay a fee-only CFP hourly or a flat fee ($2k–$5k) for a real plan then.Right now you’re just paying $4,500 a year for autopilot you can set yourself in an afternoon. Pull the plug.

teckel

Invest in VOO, VTI or VT at first. no reason to over think it. Once you have $20k or so, then maybe you could consider other options, or not, you can just hold those and nothing else.

tmoe_OW

VT is the safest and easiest. Just make sure your contributions are consistent and you never pull anything out

bronzewtf

VT and chill

srfdriver99

VT is total stock market. While it includes international, it doesn't have a bond section. You'll want BND to go along with it. What percentage of each you want is a highly debated subject, but VT+BND is effectively the ultimate two-fund portfolio.

MattieShoes

Forget about "safest". That isn't to say you should ignore risk, but anything worth long term investment will carry some risk. It's S&P (Standard and Poor's), not smp. You can do whatever you like -- it just alters the risk/reward scenario. S&P 500 has gotten good returns and *probably* will in the future. You could broaden exposure with something like VTI which invests in several thousand US stocks instead of about 500, but the returns have been near identical. You could have international exposure with something like VT, but it has been underperforming the S&P 500 since 2008 because US stock returns have been so good. But that could certainly change at any time.

prepp

Or the simple one fund portfolio VT (Vanguard Total)

NotEasyBeingGreener

An ETF like VT is going to give you the most diversification. It is roughly 60% VTI which is the total US stock market index and 40% VXUS which is total international. VTI is pretty close exposure to the S&P 500 (VOO) but also includes mid and small cap companies (about 10% by weight) https://www.etfrc.com/funds/overlap.php?f1=VTI&f2=VOO

MeteorPunch

You can go the VT/VTI/VOO "safe route" and whenever it drops, think about how most everyone is "losing money" today along with you.

malakim_angel

good job on started in roth! add some on auto-deposit from your paycheck every month, if possible. Recommend ETFs instead of individual stocks. If you must play individual stocks, do it with like 10% of your portfolio, and put the other 90% in VT (total world stock index) or VOO (US top 500 companies)

evangr721

90-100% VT or a VOO and VXUS Blend. Depending on age you may want to get some bonds in there, but it’s not my thing.

UncoolWilliamMiller

Buy $8k of VT every week for the next two years.

Awkward-Painter-2024

$250k in VT $150k in VTIP This is the only way...

ignatious__reilly

VOO or VT That’s the answer

Phuffu

VT

8--2

Same shit I buy every week: VT on an automatic contribution from my paycheck. 

Beta_Nerdy

Could you look at the returns over the last 17 years? $10,000 invested in VT in July 2008 is now worth **$40,978** $10,000 invested in VTI in July 2008 is now worth **$71,738** **(VT was created in July 2008)** **Except for this year, VTI beats the return of VT nearly every year.**

New_Interest_4300

yes i will be adding VT! your original comment was unnecessarily accusatory, hence my reply.

therealjerseytom

> the returns over the past 3 years have mimicked that of the S&P 500, so they're really not beating the market Why is beating the market your expectation in the first place? That's not what financial advisors are for. The benchmark is *you* and what kind of investment and financial decisions you'd make on your own. > especially from reading others' sentiments on this subreddit Not to say that it's wrong, but keep in mind that a subreddit *specifically geared towards DIY investing* is, not surprisingly, going to be very pro-DIY and anti-advisement. So there will be an inherent bias. > Is this a situation where it would make way more sense to stick that 1% back into our pocket and just do something like VT & chill? Or do I just stay the course, let her and her team continue "managing" everything, and when if/when we need the help I have someone readily available to me? There are a lot of ways you can go from here. If nothing else, I'd adjust your view of what portfolio management and advisory services are there for. Beating the market isn't necessarily it. With that said, it can happen. There's a lot of Reddit advice to the effect of, "Don't invest international, it sucks." Glad I didn't take that and went with advice from professionals instead, and I'm looking at +21% YTD rather than 16% for the S&P on its own. You could do a 50/50 approach with managed and self-directed accounts, to reduce the effect of fees on your total assets, while still getting to learn from your advisor directly and by observing investments in that one account. If nothing else I view having an advisor as an education resource other than Reddit or a chat bot or all the clickbait YouTube channels out there. Or it'd be totally fair and valid that you've reached a point where you can go totally self directed. All fair and valid choices.

MrAkimoto

Google: VOO Vs VT Choose whichever floats your boat. Your financial advisor got you started, so you can thank her for that. Now you can row your own boat.

znightmaree

You do not need a financial advisor. If you really want to bounce ideas around, ask any of the many widely available LLMs and cross reference their answers. If your returns aren’t beating the S&P500, then just invest in the S&P500. If you are on Fidelity, consider FXAIX or FSKAX for something more diversified. Put every dollar you have in that fund and forget about it. If you want to get more involved, then read up on stuff and adjust things accordingly. Many will recommend VT, or VOO, or their equivalents in Fidelity. You really can’t go wrong with a diversified fund. You are young so you shouldn’t really need to worry about bonds etc. You are literally lighting that 1% on fire. It is a total waste of money.

Adventurous_Elk_4039

\>*Do you have any SMALL amount of extremely high risk companies/stocks? Like 1-3% of your portfolio?* I dabbled in the past and had some employer stock as well, but at the moment no, and I have no particularly strong feelings about any individual companies. That said, 1-3% is perfectly reasonable to play around with if you want to experiment. \>*any chance you could give me an almost exact estimate if your portfolio? Like what % you have invested in each fund / index, etc.?* As I said in my post, I am 75/25 on FSKAX/FTIHX. This gives me essentially total world coverage with a home country (US) tilt. If you prefer ETFs, you could do VTI/VXUS to achieve similar. Or if you want to keep things extremely simple, you could just invest in 100% VT which is the full world at market cap rates. This essentially makes you the market. You won't outperform it, but you won't underperform it either.

dollar_llamas

33 here with finance and investment management background and career. Keep it simple. I’m 90% VT and 10% BRK.B. You’re looking at two different vanguard perspectives. They are forecasting 60/40 for the decade but they aren’t saying that’s right for everyone. Their glidepath portfolios are their best way to see what they assume you should be allocated in based on your age. Unless we get back to 6+% on bond yields I’d stay heavy equities based on your risk tolerance and what works best for you.

InvisibleEar

If you're salty about the bubble buy VT, you will probably mess up trying to outsmart it with different fund times.

Imactuallyatoaster

Why? You could just get a single fund like VTI that has everything you just included but at market cap weight.  Depending on where you are holding these you could also introduce a lot of tax drag.  Keep it simple with sp500 (spym), total market (vti), or VT for total world market. You can also add in vxus for international.  For bonds you really don't need any at your age. If you're dead set on it take a look at bnd and fbnd. One is passive and the other is active. Bonds are one of the places where active often means better. 

MeatlockerWargasm

I use BOXX + BRKB + VT (1.66% divi)

Czech_Thy_Privilege

All good homie. By chance were you typing in “$VT” or just “VT”? If you included the $, you can just exclude that. Throwing the $ in front of the ticker symbol is a preference for writing posts and that sort of thing.

Fun-Personality-8008

The market is more than the mag 7, yeah. The market is VT. It's fine.

adhdt5676

Time in the market is better than timing the market. If you want to diversify, increase your contributions to VOO or invest in VT, VTI/VXUS for some international tilt.

Lonzio_201

So what I did is I just sold all of my individual stocks and I just put the like 150$ back into VOO and like 20 here and there in to my other ETF’s. Honestly I also went to look into and buy $VT like you were talking about, but I couldn’t find it on Robinhood. I’m not shure if it was just because I’m slow or is actually isint in there but nevertheless I could not find it😂

Gimme_All_The_Foods

Why are you not investing the 100k? It doesn't matter where it came from. Money is fungible and it's now part of your portfolio. Deploy it into an asset allocation that works for you. I recommend global stock market exposure via broad based index funds so either an ETF like VT that tracks it already, or manually via funds like VTI and VXUS. If you don't want global investing, at least pick an intentional allocation between 30-50%. If you're worried about that much exposure in the markets, which sounds like you are, it's a great idea to have some fixed income too. An 80/20 split might serve you well. A nice rule of thumb is to only put money in equities that you won't touch for at least 5 years, and an amount that if it were to drop 50% in value, you wouldn't panic sell. It's hard to know what your temperament would be if you haven't experienced a noticeable crash before, but do the best you can. Investor know thyself.

LTFitness

200k VT 100k BNDW Don’t look at it again until you need it.