VT
Vanguard Total World Stock Index Fund ETF Shares
Mentions (24Hr)
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Is it ok to never have bonds if you start investing early?
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Low volatility factor investing is criminally underrated
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Is my portfolio made by my wealth manager too complicated?
Are these good lump sum buy and holds? VOO, VTI & VT
Thoughts on transferring “all” of my savings into equities
How should I invest to build wealth long-term in my early 20s?
Is VOO (US Megacap) plus AVDE (International All Market) a good balance of simple and diversified?
Would AVLV theoretically be any more profitable than a passively managed fund like VOO?
How much reasonable risk should I take on to maximize profit?
what's the point of tlt if it's just as volatile as stocks
I have a mental issue when benchmarking my portfolio - looking for advice.
Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it
Feedback for shifting an IRA with slight SCV tilt to a full-on 5 factor portfolio.
Selling equities at a loss to pay for high interest mortgage
Does it ever make sense to have multiple brokerage accounts?
Stuck with current employer's limited 401K fund offerings, looking for advice on distributions
Have money in both Sofi Auto Invest and VT via Fidelity. Should I consolidate?
28yo, Is selling all my VGT and buying VT timing the market/performance chasing?
Are my portfolios any good? 96% equities / 4% real estate
"No more than 20% of one's stock portfolio should be allocated to foreign stocks? - Jack Bogle - Does this advice still ring true today?
Better to Hold More Specialized Funds, or Big Generalized Funds?
Ratemyportoflio : 45% VTI 40% VXUS 5% AVUV 5% AVDV 5% AVDS.
I just started putting money into a 401k. Where should I have that money invested?
Anything I should be doing to be more aggressive with my VOO/VT portfolio?
Why is the solar industry performing so poorly?
My un-intelligent way to make bets, as of now
What Do I Diversify Into? (small $ monthly investments)
Wanting to invest recent VA backpay - thoughts on how I'm proceeding about doing so
Invest in VTI and other "feel good ETFs" if you want to make less money.
How long do you recommend paper trading before doing actual trades?
Fidelity's Limited Automatic Investing Options vs Having More Accounts
My friend claims my method for investing may not be allowed, can anyone clear this up for me?
How is my Vanguard performance returns negative, when my investments are in the green?
why do people act like if the markets are down over a decade or more the world will turn into the last of us
How safe are ETFs if broad index funds didn't exist?
If safe ETFs broad market were an option - what would you chose?
Selling long dated deep ITM SPY or VT puts instead of holding shares.
90% are in blue chip stocks and VOO/VT (~85%). Also new to investing RIP
Should I keep holding ENVX and buy the dip?
Steak (Live Cattle) hits an all time high.
Please don't crucify me.. What is the actual point of all of this?
My Dividend Portfolio, 60 / 20 / 20 - VT / VIG / SCHD
Mentions
Aggressive (diversified) is having 90%+ invested in stocks. It does not mean only investing in 5 stocks - that goes beyond aggressive into. Stay the course with VTI, VT and VOO - save more as your earnings increase. Assume you have $100k already invested and continue putting in $7500 for 30 years. At an average 7% return you end up with: **Total balance $1,519,273** Contributions: $325,000 (in addition to the $100k starting balance) Investment Return: $1,194,273 Diversification over time gives you the best chance for success with relatively low risk.
15% gold, 35% smh, 30% VXUS, 20% VT Might be the play.
VT is a simple blend of both as well. I would personally split between VTI and VXUS
This is one of my pet peeves. I've been investing for almost 40 years. The pro-international investor are running victory laps after one year. I get it! They finally get proven right. Since 2009, VT has outperformed VTI 5 out of 17 years. Of which, one year was less than 1%. Through 2025. A $100k investment in VTI would be valued at over $1m compared to $618k for VT. VT will have to outperform VTI by 65% to catch VTI.
I wouldn't touch it. Put it in VTI, VT, or VTSAX if you want international, and forget about it. Live your life as you otherwise would until you're 35 and see where you're at. Seriously forgetting about this is the best thing you can do so that it can grow.
Two letters. VT. Keep what you already have in the S&P 500. Invest new capital into Vanguard FTSE All-World.
No, because whatever it is, it's already in VT.
I was actually looking at maybe trimming a few shares and going for an EFT heard good things about VT but I'll look into ITA and PPA. I originally held some GEV but sadly dumped it too early, that's why i'm being extra cautious this time.
Similarly, betting whole world also requires a case to be made why one thinks it outperform any other pick. All investing requires choices, and investing in VT is no less a choice than investing in VTI. There's plenty of rational cases to make for picking either choice.
I’m 20 using my ira for just VTI VT and VOO. This is the opposite of aggressive would you tell me to stay doing this if I just add my 7500 a year
Yeah i just want the equivalent of VT. USA dominance is finished.
It’s a theory based on math that has a large enough data set to be valid + reputable advocates like Warren Buffett, John Bogle, Burton Malkiel, Charlie and Munger Now the index fund should be paired with bonds, depending on your age. And if we zoom further out, then you should pair your stocks, bonds, with other assets like real estate, and then you’re really diversified. But investing in an international index like VT is a sound investment since you’re investing in companies producing real products and services while eliminating a single country risk. But securities are one asset allocation type, which I agree should be paired with another. Personally, I like real estate.
I recommend VT because it is only 2.5% Taiwan. This means VT would be 97.5% unaffected by a hypothetical invasion of Taiwan.
I would put the 20k QQQI and turnoff automatic diviend reinvestment. I would then invest future income into growth index funds of your choice. QQQI is a dividend fund with a reliable 13% yield. This would add $2600 a year to your $7500 deposit. This would add more money to your deposit that you can invest in growth fund like VT. With such a small ammount invested total return from you investments is dwarfed by the money you deposit. So getting more money in now will result in a larger portfolio the you retire. After 4 years rebalance the portfolio so each fund has the same amount of money. Both funds will feed each other and your monthly deposit willl also feed the funds. Rebalance every 4 years.
Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust volatility level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds should equal less volatility. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund.
VT is at all-time high. People can complain but we are living in the peak capitalism bro. Put it is.
75/25 for me. That's slowly gone up to 80+ US over the past decade, so I'm rebalancing this year while trying to keep taxable events at a minimum. One thing to be cognizant of is that 75% of the 100 most valuable companies in the world, most of which are very entwined with the broader international economy, are based in the U.S. Holding 50% of your money in a totally ex-US International fund is actually a massive bet against those companies, which I don't think is smart. VT and chill is frankly probably the best way to go and what I wish I had done since day 1 rather than worry about rebalancing.
When it comes to Dollar-Cost Averaging (DCA) with recurring investments, the two most crucial elements are your overall investment plan and your time horizon. If you're consistently investing in broad-market ETFs like VTI, VXUS, or VT with a long-term perspective (10+ years), short-term market fluctuations are much less of a concern.
Yeah people make this shit so overly complicated. VT and chill. VNQ if you want some additional diversification. You don’t need to pay someone to do this. Hell we have a thousand ai tools to give you more specific advice if you really care
You don’t need to unless you’re over $10mm net worth. Some institutional investment opportunities open up at $2-5m minimum investment. They may also be helpful for abroad LLC structuring, family trust structuring, inheritance structuring, single member LLC tax consulting etc. If you’re not a (multi)millionaire, you can probably just VOO OR VT and chill. sp500 index funds (like VOO) have consistently returned 10-15% in the last 2 decades. Fees (expense ratio) are like 0.03% a year. That means you pay $3 for every $10,000 invested per year. Find me an advisor who can beat these rates and I’ll sign up with you
Basically what you're saying is... "VT and chill" ?
Sounds fine to me. I buy VT which is global index but it’s also very heavily weighted toward the big winners.
/r/Bogleheads has been taken over by young and inexperienced performance-chasing morons that all parrot the exact same strategy and downvote anyone who disagrees with them. It's 100% VT or bust. Anything else means you're stupid or a fascist.. I had to leave the sub after being on it for almost a decade.
Wow, your post screams - VT and chill. Really.
So if that’s your personal thesis, hold VT or its mutual fund equivalent VTWAX and be done with it. Or If you’re bullish on the US, as I am, hold more in domestic vs. international. I think most people agree holding international index fund is now a solid recommendation for a well-diversified portfolio. How much you allocate will come down to your personal preference/investing philosophy. As someone who works directly with large Fortune 500 companies as clients in consulting, I still remain extremely bullish in our economy for the long-term. But that’s coming from my personal first-hand experience vs. theory.
Throwing some money at a company, bad. Buying VT, good.
Gold has outperformed the total global market (i.e. VT) over the last 30 years. https://testfol.io/?s=b07PKWgkhVT That is more than just a rare good year.
It’s not really the number of companies. It’s that S&P500 is all large companies, whereas VTI has around 20% mid caps and 7% small caps (might be out of date). Each of these small companies amounts to a very small fraction of VTI, but lumped together, they outweigh Apple. Anyway, VOO to VTI is pretty academic. The real diversification is VOO to VT, which is nearly 40% non-US. Other countries’ stock markets are less correlated to the US stock market than US large caps vs US small caps. Or diversification to bonds and other non-stock investments.
You overestimate it. Russia invaded Ukraine and nothing happened to the markets. China represents like 3% of global stocks, so even if it falls like 50%, it’ll just move VT down by 1.5%.
It's a reasonable choice assuming you understand that a 10% drawdown in the stock market could leave you with a 15% decline value in your fund. (Assuming the bond portion doesn't completely mitigate the loss.) Another option might be to put 30% in VT and 70% in BND, then with a market downturn you could use the bond portion to pay for expenses, allowing time for the stock portion to recover. This is what retired Bogleheads tend to do.
This is why the “chill” part in “VT and chill” is so important. It’s also why it’s super important to have savings outside your investments that can stabilize your mental and let you ride through rough waters.
Underperforming VT is just sad. Id be pissed if my advisor missed the easiest free money 2 decades of the history of the US
Well that argument only works if your old investment manager portofolio draw down is less than VT or SPY If she had the same or similar draw down during say 2020/2023 The she literally got a free paid
Then the real smoking gun is the portofolio draw down If it’s still doing SPY and VT lvl of draw down and still lag behind they ur truly mismanagement
It’s clear we’ve got the expertise many of the world’s leading universities are here, cutting edge research is done here, and top performers are compensated better than almost anywhere else. That said, diversification still makes sense, and choosing VT is solid. Just don’t rush back into VOO the next time the U.S. happens to outperform international markets for a year
Let me check my crystal ball...🔮 ... It says it could go up or down. For real though, if you're just getting into investing, I would just put it in VT. If you're wanting to test your ability to actually pick and trade stocks I'd test your skills with a simulator like Thinkorswim first. It's not that easy to beat the market.
If it grows at an average of 8%-10%/year then it will grow to $173,800-$191,249 That's a fair estimate if it's all in on VT or VOO. You're adding a bunch of different funds and stocks, and you'd have to evaluate those separately.
Do you max the IRA? Do that first. Do you have a 401k? Do that next / get the match on that first. Maximize tax advantaged space first, basically. And invest in VTI+VXUS or just VT. Voo is fine but you can diversify further.
The beautiful thing about VOO / index investing is that you don't put all your eggs in one basket. It's spread out over a bunch of different companies. If you want even more diversifcation - you can look at VT. It's a global index (rather than just the USA, which the S&P 500 is). Last year VT outperformed VOO (US markets lagged global ones) - but over the last 10 years US markets have outperformed.
More VOO, VTI, VT, VXUS, QQQM, VGT, SMH. What’s your risk appetite? At a younger age, QQQM or SMH is more interesting.
I think I’m just gonna continue to VT n chill.
VTI/ VXUS based on global weights USA/ international in VT Right now I believe it’s 65/35 so you’d buy 65% VTI ( us market) and 35% VXUS (international market) This is the best way to invest in taxable brokerage
It's really what you're most comfortable with. For international I have SDIV and FLKR, I would need to research VT but generally the broader your exposure, the lower your risk.
Interesting take on MLPs vs REITs. I've been reading up on real estate exposure outside traditional REITs, and it looks like a long-term stabilizer. Do you think that's worth adding, or better to keep things simple with VT and sectors?
Damn bro, I was thinking to switch from VT to GOOGL yesterday because it looked like a nice opportunity to steal some alpha. Thanks god doing nothing is also a superpower.
VT is better if you just want to buy & hold and not think about it
60% of VT is US companies. OP clearly knows that based on their post. It’s just a cap weighted all world market. 40% international is a lot to some people. This is not the gotcha you think it is. I haven’t rebalanced because I never sell, but I’m definitely tipping my new contributions more heavily into VXUS.
You wouldn't have to. If you buy VTI/VXUS in the US/ex-US ratio, then it will stay very close to the US/ex-US ratio even without rebalancing. If it goes from 60/40 to 55/35 through price action, both the VT and VTI/VXUS portfolios end up in a very similar place, 55/35.
The reason I do t want to do this is, what if the next Nvidia is Chinese? I don’t want to figure out how much I should hold. VT can figure it out by market weighting my holdings.
It’s a poor decision if OP wanted the best return at a great price per the provided reasoning (better talent and better valuation). OP didn’t state they want to be diversified globally… OP said they wanted to own companies with the best talent and went on to say the US doesn’t. Then further implied international has better talent and better value. Why would you place more than half your bets on “worse” choice (ie US per OP reasoning). VXUS, VEU, VEA all great international choices that are diversified too. The “great choice” would have been to go 70% VXUS and 30% VT. Everyone is ragging on OP bc the action (ie picking VT) isn’t consistent with the emotional claim, just shows how clueless OP and apparently you are 🤷♂️
The world has changed. The wealth got more concentrated. Your 1975 textbook can’t teach you how to win in 2026-2060 investment outlook. VXUS is doing better than SPY in 2025 for the first time, so what ? Will it be next year or the next ten years twenty? Or the odds looks slightly better? It is just Billy and Jane talking. The market still move anyway it likes, and your beloved financial guru will come out and give it an excuse, yeah, any red green orange day, he always has an excuse. My point is, don’t bet again the market, or think you can outsmart it, even your thesis is right. The actual smart people have already taken the profit to the bank. The US government has all your so called intl companies by the balls, and your big tech has the spy by the balls. And 57% of total market cap is invested by passive investors aka ETFs. So any meltdown is avalanche like cascades. And the greed is tempting that so many time. That is part of failed human genome unfortunately. At the moment, there is no sign this will change, ever. And you are investing right at this moment, so better follow the trend, be active in the game. Thought you dump all your lifelong savings into VT or whatever has your fate, wake up 20 years from now you are automatically the richest guy. The game has shifted. Hindsight looking at doing this in 1979 is working. I don’t have fate in 2059 it will be the same. I just hope I got some leftover while the big players are rigging the game and when the shit come down, I am awake to run.
The future mag 7 will be a mix of us and non U.S. companies. VT will have them and VOO will not.
We obviously have the talent. We have all the top schools, all the top research happens here, we pay the highest salaries to people who are good at it. Anyway diversification is good and VT is a good idea. Just don't move back to VOO next time the US beats international for a year.
100%. I think VT will have an ever so slightly softer landing than VOO but not by much.
VT gang! This year is the beginning of a bigger trend I think.
**VT holdings Top Ten** 4.14% NVDA (US company) 3.5% AAPL (US company) 2.95% MSFT (US company) 2.12% AMZN (US company) 1.82% GOOGL (US company) 1.48% GOOG (US company) 1.45% META (US company) 1.42% AVGO (US company) 1.24% TSMC (International company) 1.12% TSLA (US company) 20% of VT holdings are the top 9 out 10 are US companies…. Hold on let me fix your statement for you >”the clueless and irrational reading is evident, sorry you can’t see it”
Did you even bother looking at the holdings and how they’re weighted? I have to look again, but 17 of the top 20 were American (I last checked about 3 months ago, may be slightly different now). Why not just put 50% in VXUS and keep the other 50% in VT?
Isn’t VT mainly American companies anyways?
Haha this. OP makes a large overreaction, and then does overreact correctly if you wanted to Make that statement. Isn’t VT still like 58% US? Many have been invested in VT for years for that exact reason, global diversification. Not political ones.
You can’t go wrong with VT, but also the US economy will likely still outperform ex-US when you look at 10+ years out
You might want to consider VTI+VXUS in the same 60/40 proportions as VT, since VT, having less than 50% international assets, isn't eligible for the foreign tax credit.
r/Bogleheads VT is up. If you overweighted on international, VXUS is up 30+% in the past year (this is why people yap about diversification)
50% VT, 15% indiv stocks, 35% options one must strike a balance between being a boglehead and being regarded
You already own REITs inside of VT. I haven't found any good arguments to overexpose to REITs specifically.
The search for a truly uncorrelated asset is more art than science. Bitcoin was supposed to be a diversifier but that never happened. Gold and silver have done well recently but over the very long term they basically move with inflation. I would just stick with 100% VT and not get cute.
Appreciate your sharing. VT is a clean one-stop option. I've seen some investors balance it with long-term assets that don't move with daily headlines. Do you think that's useful, or just complicates things?
> Sharing experiences could really help beginners like me understand the trade-offs better. Beginners should be 100% VT or an appropriate index target date fund. And quite frankly so should most non-beginners.
Honestly with your holdings, I wouldn't panic. Let time run its course. Contribute to things like VT going forward (assuming you're American, I'm not) and you'll be fine.
It hurts doing the math in how much I would have had I bought VT/VTI when I graduated college in the midst of the COVID spending bubble pop. Generational buy opportunity that I fumbled for no reason than wanting to try picking them myself
go 100% VT and never sell, that’s all you need to do and yep you should have done so years ago
Hi All, I would appreciate any guidance based on the below scenario please and how I should handle this? I am also over the income limit and need to change to a backdoor-Roth. Currently: Two IRA account (non-backdoor) – Fidelity - Rollover IRA - 100% VOO - more funds in here Vanguard - Roth IRA - 100% VTSAX Want to: -Combine my IRAs into one IRA account on Fidelity -Convert to back door -Still contribute for 2026 -Open up taxable brokerage Open questions: 1. What should be the order of steps to do this? Do I first contribute, then convert, then contact Fidelity to bring over my vanguard? 2. For My IRA, I am thinking of doing 100% VOO. For my taxable brokerage, I am thinking of doing 100% VT. I value simplicity and long-term boring growth. How does this allocation look? Thank you!
Hi All, I would appreciate any guidance based on the below scenario please and how I should handle this? I am also over the income limit and need to change to a backdoor-Roth. Currently: Two IRA account (non-backdoor) – Fidelity - Rollover IRA - 100% VOO - more funds in here Vanguard - Roth IRA - 100% VTSAX Want to: \-Combine my IRAs into one IRA account on Fidelity \-Convert to back door \-Still contribute for 2026 \-Open up taxable brokerage Open questions: 1. What should be the order of steps to do this? Do I first contribute, then convert, then contact Fidelity to bring over my vanguard? 2. For My IRA, I am thinking of doing 100% VOO. For my taxable brokerage, I am thinking of doing 100% VT. I value simplicity and long-term boring growth. How does this allocation look? Thank you!
This is why I hate maths :P Also why I DCA into VT, and chill.
Why not just buy now and **WAIT** You could have been a millionaire easy just buying and holding the most basic bitch ETFs. I know because Ive seen multiple people do it. Go buy $400K of VT and never trade again
Not reading all that. Quit while you can and buy VT when you have leftover money in your budget. The end.
I know people on this subreddit hate hearing from Bogleheads, but this kind of shit is why I VT and chill.
No. The average taxation of VT foreign dividends is about 5% and the dividend yield is about 2%. So at most the tax impact is about 0.1%.
Go with VT that's all you need. Unless you also want bond exposure.
Tesla's valuation is nuts, but it's 1.82% of VTI (US total market), 1.12% of VT. It's small enough it could go to zero and that would be like a month of your returns, it just isn't something you have to specifically worry about. I would not pick Tesla to own, but it is a bit over 1% of my portfolio just because it is that big... doesn't concern me. And again- everyone thought Tesla was overvalued 10 years ago. Even Elon Musk. If you excluded it then, you would have missed out. >**Even Elon Musk Thinks Tesla’s Stock Is Insanely Overvalued** >“I do believe this market cap is higher than we have any right to deserve.” >For a small army of skeptics and short-sellers, Tesla’s gravity-defying stock price has remained a source of envy and exasperation. Last month, Elon Musk’s 13-year-old electric car company vaulted past General Motors and Ford in value, as Tesla reached a $50 billion market cap and kept on climbing. (*Vanity Fair*, May 19, 2017) That was 2017, a market cap of $50bn was overvalued. It's now 25x that, at $1.29tn. A lot of people have lost a lot of money shorting Tesla. Short sellers have lost over $75 billion collectively since Tesla's IPO in 2010. So I just hold the market and don't worry about trying to exclude things.
I tend to lean toward VT these days. Yeah, at this point, everything is tech to some extent and you miss out on a lot of growth if you exclude it. The only tech I like to avoid is stuff that is way overvalued like Tesla. Diversification is probably better. I like VT because it includes tech but is not as tech heavy as the S & P 500. I also like the international exposure.
There is SPXT (ProShares S&P 500 Ex-Technology ETF) but I don't think this is a good idea. Besides anything else, these are the top 5 holdings: 5.15% AMZN AMAZON.COM INC 4.62% GOOGL ALPHABET INC-CL A 3.69% GOOG ALPHABET INC-CL C 3.60% META META PLATFORMS INC-CLASS A 2.92% TSLA TESLA INC Technically, none of these are "information technology", Amazon (retail) and Tesla (cars) are "Consumer Discretionary" while Alphabet and Meta (media and advertising) are "Communication Services". There is also XMAG (Defiance Large Cap Ex-Magnificent Seven ETF) which specifically excludes the "Mag 7", that would kick all of the above (plus Apple, Microsoft and NVidia). Even that, Broadcom and Micron are in the top 10 holdings. I don't fundamentally think it's a good idea to try these sort of anti-sector bets though, people have been concerned about this for 10 years and if you managed to exclude tech you would have really ruined your returns. If you are concerned about it, better to switch to something like VT which would almost halve your exposure and diversify you out to loads of other sectors (financials, industrials, healthcare/pharmaceuticals, consumer goods, etc) that are larger, relatively, outside the US.
Yea i wouldn't leave it in Tesla. Put it 2 or 3 etfs like VT (etf of a bunch of world stocks) or SPY (basically the S&P 500 (usa version of VT). This is assuming youre in the states. If you're not. The general principle is the same. Whatever your region's versions of these are do that. Its a set it and forget it strategy that beats out individual stock buying on average pretty much every year.
Stop trying to figure it out and buy VT. Voo and Spy have too much concentration risk, more diversification might be beneficial in the future. If that’s not satisfactory then put it in a target dated fund that will diversify it for you over the decades.
If you're capable of buying fractional shares, and many brokers allow this these days, share price of an ETF doesn't really matter unless you intend to trade options. Thats the neat part about buying a broad market index - if you throw $500 at VOO or SPY or IVV, which all track the same index, you're essentially buying the same portion of every underlying company. IMO go with VT while you learn - it's essentially buying the whole world in one fund. Hard to go wrong there.
Dont overthink things, just decide what you want to invest in and go for it. I prefer VT as a core holding.
After putting my life savings in VT, I've realized that I don't really care about this shit anymore. The only thing I'm still here is because I'm open to opportunities.
If you know nothing, s&p or VT is your friend.
Do yourself a favor and buy 100% VT for your entire stock portfolio. The 4% assumes your portfolio is about half stocks and half bonds. Though being all stocks while you're still accumulating is good.
There is FIRE. Retire early. But yes, its fine to do your due diligence and make “bets”. Plenty of stocks out there. Invest in etfs and have some small allocations to moonshot stocks. Not random biotechs, but companies with a future. If you want, theres also 2-3x leveraged etfs. 1.5-2x is ideal but this can help a lot. Instead of say, 100% in VT/VOO - you could do 50% on a 2x leveraged etf of it and 50% can be allocated to somewhere else(SCHD, moonshots, bonds etc). A lot of options. But like I said, research FIRE. Increase your savings rate and you dont have to wait 30-40 years.
I invest in AVDV and the performance has been good. It also provides a hedge when tech takes a dive. Some of the top holdings are in gold and gold mining. I invest roughly 21% into it. I wouldnt say its necessarily chasing returns but it provides more diversification to my core holding, VT.
Sell the Tesla stock and any other individual stocks, hold back the amount of cash necessary to pay capital gains taxes, and put the rest in VT.