VT
Vanguard Total World Stock Index Fund ETF Shares
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Anyone else considering increasingly moving to short term govt paper in their tax-free accounts?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Wanting to buy LEAPS calls, but the stock market doesn't look good
8 Investment Lessons I Learned from Stay Calm by David Booth
Isn’t concentration actually proven to win over the long term? .
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Any way to minimize USD currency risk while still tracking the total market?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
What’s the best way to draw down from a money market fund?
Simple IRA through work and personal Roth IRA (35)
Sooner or later, the lights will come on
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Is my cash reserve too high for my goals and portfolio?
Am I the only person that believes the 40 or 50 peace deals that pumped the markets was super unhealthy?
40% of Stocks Experience Catastrophic Losses, and the Best Performers Suffer -69% Drawdowns on Average
Options Overlay Strategy Using Cash Settled Options
Investing vs Buying a Nice Car? or Try to Do Both? I am Young, Worth It ?
Came across buy and hold 17% CAGR portfolio backtested since 1987
Cosmos Health Provides Balance Sheet Update: Highlights European Investment Bank Financing Discussions for up to €25M, Eliminates 38% of Warrant Overhang with No Dilution; Reaffirms Growth Trajectory; Notes No Known Business Reason for Recent Share Price Decline
As a strict Boglehead indexer, I went in hard on $SPCE calls as soon as I heard the case for it.
Will VT tank severly when correction on semiconductors comes?
What is the best strategy to allocate and optimize a 100K investment?
Recently gifted a $12,500 brokerage account with E*Trade
Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss
For parabolic gains DO NOT read this. It's just a Samaritan text for thise in despair.
Forbparabolic gains DO NOT follownthese advices.
Thought Experiment: What if everyone just DCA’d into VT?
Funds like VT that don't have the typical index problems
Questioning if the extra etf in my portoflio actually improves expected returns or just adds volatility
Roth or Brokerage for individual holdings - what is best?
What would you do with money gifted from family?
DD: All-in-one ETFs are probably the smart play right now… but I’m still YOLOing options cuz I’m broke at Wendys
Today is the day I finally accepted the truth about stocks.
85/15 VTI & VXUS in brokerage, 85/15 FZROX & FZILX in roth ira
Any tax implications/forced sale if/when a massive company gets absorbed into VT/VTI?
When It's Your Time, It's Your Time-
Unpopular Opinion: QQQM beats VOO over a 30-year horizon
EHang’s 2026 Strategy: Moving from the EH216 to the VT-35 (200km range)
EHang’s 2026 Strategy: Moving from the EH216 to the VT-35 (200km range)
Any specific ratio to set up recurring investment for Roth IRA long term?
Begginer here first buy: should i buy UCTIS ETFs or US? Eu based
Just YOLO'd $89k into QQQ / VT (65/35 split)
Non-US resident. Alternatives for US ETFs for 5 to 10 years’ investment period.
Risk-free flip with loc to buy XEQT(VT equivalent)
Seeking Advice: Living Off $1.8M Portfolio, Growth vs Dividend ETFs
Add more on Monday? (Added $40k on Thursday)
VTINX (Vanguard retirement fund) as a medium term investment in a taxable brokerage account
Just moved $200K to VT because I stopped believing in the American Exceptionalism narrative
Does VTI have ~5% higher expected future returns than VT in tax-advantaged accounts for U.S. investors?
VTI or VT?? (70% VTI - USA and 30% VT - International)?
36yo – Simple ETF portfolio. Overthinking factor tilts vs simplicity. Thoughts?
VT and chill but what if I added a little somethin' somethin' ?
Any criticism for my portfolio
Are Index Fund Holders About To Be Exit Liquidity For Mega IPOs?
Mentions
From or currently? Current in Seneca Falls. Playing wine and waterfalls for a day. Was in VT. Heading back to OH.
u should have an account for aggressive opinions (options if you must, futures, ETFs), regular shares/ETFs of whatever, and then a no opinion account (VT). and it should be like 25/25/50 at worst.
u must have a VOO (VT preferred imo) account where u do not have any opinions. its a hedge against your opinions being wrong
HAHA. The price of $VT is a bit lower now than the price I paid earlier this morning. The market could crash. This could be the top. But I have saved a few thousand dollars these past couple months above my emergency cash target so I'm buying. Everyone has a plan. My plan is I know that I'm not smarter than anyone else. I'll buy an ETF of the entire world when I have extra disposable income over some crap I don't need that I'll throw away a couple years later anyway.
Yawn, I just bought some more $VT. The world will somehow figure out all these problems.
I have zero interest in VT
The auto-balancing feature of VT is enormous. If the global market drifts to 60/40, then you’ve left money on the table with a fixed 70/30 allocation. If the market drifts to 80/20, then you’ve also left money on the table with a fixed 70/30 allocation. Want to mirror VT by adjusting the allocation manually? Then you’ve just added complexity. When to re-allocate: if you re-allocate on a day the market is down 2% for the fund you’re selling, then you’ve just lost the value of the foreign tax credit over multiple years. And then there’s the fact that if the market ever drifts to 50% (or more) international, then VT will qualify for the foreign tax credit.
Because 1) most people should be first investing in a Roth IRA or 401k, meaning the foreign tax credit is not even a factor, 2) most people don’t start investing when they are 18, [they start around 30](https://www.investopedia.com/when-each-generation-starts-investing-8782149) so the real returns are much lower, and 3) there is a cost to the added complexity of managing your optimal balance of VXUS + VTI instead of VT, being that you are statistically more likely to panic or miss the correct market performance because you are more engaged with your balance and it doesn’t auto rebalance. That alone could cost you more money in the life time of your investing than the tax credit. So most of where people invest it doesn’t matter, the added returns aren’t that big, and even the small extra step could open the door to costly mistakes. If you as an investor think that it’s worth it, great go ahead, I’m just saying I don’t think the juice is worth the squeeze. It’s a penny-wise/pound-foolish kind of thing, like there are way more valuable moves to make before this should even be on the average investor’s radar.
All the VOO posts getting downvoted by the VT brigade.
please go to r/problemgambling before you lose another thousand dollars dumbass. go buy VT. stop talking.
Ah, gotcha, agreed. I misunderstood your post to mean the exact opposite! VT and chill.
Foreign tax credit is very small, like $10,000 of VXUS only credits back like $20 annually. Sure every bit counts, but if the added complexity of monitoring 2 ETF balance ratios is greater than the money saved, it’s simpler to just go VT. It also doesn’t matter at all if it’s in an IRA since it’s already tax-advantaged.
Only problem with VT if you are in the U.S. is you lose the foreign tax credit. Making VTI/VXUS superior in that area
VT brother. Max that Roth yearly. And you’ll be set when you’re grey.
Keep it simple. Just buy "the world" (like 'VT') and focus on what all you can save and contribute. Getting a start at your age is going to be a huge advantage years from now.
Why is the question "what am I missing" and not "what should I trim"? You already said you don't know why you bought most of this, and most of thos is overlap... So start removing them. We don't know what is your goals, timelines, approach, etc. so we can't tell you what to buy. Dividends are fixed income for people close to retirement... Does that sound like your situation? If not, then why do you have dividend ETFs? Otherwise, if you don't know why your buying what you're buying, stick to a world index like VT, and if you want more US then buy or add SP500 or QQC (not both, they're redundant)
You’re as much as 20 years from retirement, so sorry but I’m not buying your assessment that staying heavily in VT is irresponsible. You have a timeline of at least 10 years and you do appear to understand how the market works, so your twitchiness is frankly hard to understand. How would you respond if the market tanked 40% tomorrow? If your answer, at age range mid-40s, is anything other than “nothing” then I’m sorry we are on very different wavelengths and I probably have no actionable advice to offer you. I’m not sure what you mean when you say your jobs are tied to the market. If you’re basically saying you lack job security, then yeah, moving to safe assets may be rational. That said, unless you’re living a very extravagant lifestyle, your current resources are very deep and frankly if you feel better fleeing to safety, you probably can afford to pay the opportunity cost, which you’ll need to acknowledge (to yourself) will be huge. If you’re dead set on fleeing to safety, I recommend investigating the possibility of a TIPS ladder. Among the typical options of corporate bonds, annuities and TIPS ladders, I find TIPS ladders to be the most attractive, especially with current yield being so favorable. Another option to consider is to move some money that you don’t need immediately into a MYGA or a ladder of MYGAs, as ones paying 6% are currently available. I have a three-year MYGA that pays 6%.
There are some funds that follow a modified S&P500 stock list. They give each fund in the index an equal rating. So and equal ammount of money is placed in each of the 500 stocks. RSP and GSEW are two examples. You could also invest in total market index funds like VTI holds 3,500 US companes instead of just 500. Oryou could go with VT which holds 10,000 US ad foreign companes.
\> Given inflation, rates and how heavily weighted to AI the markets are, it just seems irresponsible to be heavily indexed to VT, VOO Totally backwards thinking.
since it’s a Roth, you don’t get any foreign‑tax‑credit benefit, so the 65/35 split vs. all‑world is effectively the same over time. VT will hold the same mix for you, so if you’re happy with a set‑it‑and‑forget approach pick VT. if you feel like tweaking the U.S. to int’l ratio, go VTI+VXUS. either way Vanguard or Fidelity will just give you the same ETF; pick the one that’s easier to use for you or has lower lag/fees.
What do you think about VT? A little world exposure.
A. "Most passive" isn't passive. That's a ranking, not a definition. You didn't refute anything here. B. You just admitted VT vs VTI+VXUS is a choice with "minor changes." So **it IS a choice**. Thanks for conceding my point. The choice doesn't matter much =/= it’s not a choice Learn the difference. Your whole argument is: VT broad enough = passive S&P 500 not broad enough = active That’s cute and all, but it’s not a definition. Where's the cutoff? 1k stocks? 2k? You don't have one. You just drew a line where it was convenient for you. Pick a consistent standard or sit down.
A. There is literally no security more passive than VT so you're spewing nonsense. And B. a mix of VTI and VXUS is more or less the same thing with only minor changes. You're not choosing to put zero money into most of the market by doing this So no, what you said is not "my logic". Putting your money into the sp500 is not passive investing.
By this logic, selectively choosing whether to invest in VT, VTI or VXUS is also not passive.
Neither can I, lol. We are all gambling here. I'm beginning to think public sentiment is piss poor and will remain piss poor b/c people hate inflation and 2019 prices are never coming back. The job market is also much stronger than people want to admit. Buy a combo of whateve risk tollerance you want b/w $VTI, $VT, $VXUS and chill.
It's an account meant to help save for retirement. If you want to save more for retirement, then it's one of the top things to use. The tax benefits can be *substantial*. The money doesn't "sit" in an IRA, it's invested in something - preferably a broad passive index fund like VT - and it grows for 40 years. You can withdraw Roth IRA *contributions* penalty- and tax-free at any time. But that does lose you the contribution space permanently, affecting your retirement money. A 401k match should obviously be prioritized. But after that, "401k" vs "IRA" is not that simple, with IRAs *often* winning due to better investment choices and much lower fees. "Traditional" vs "Roth" is a different question. Early career when you're not making much money, Roth probably makes more sense. After that, Traditional probably makes more sense. But there are "low" limits on deducting Traditional *IRA* contributions, so a higher earner often does Trad 401k and Roth IRA.
VT? Told holding NVDA, MSFT. AAPL. AMZN. GOOG, TSM you are so protected from AI downturn
Buy VT or equivalent then tbh and lower the concentration
They said that VOO is disconnected from market fundamentals, and recommended diversifying into VOOV (value) and staying away from VOO and VOOG (growth) and VFMO (momentum). But if you’d done that at the start of the year, you’d be down 6% lower than where VOO is now. If you’re 5, you’re so far away from retirement that none of this matters and you should just buy VOO or VT and chill.
The full market is up though, and 6 months ago when the market diversified, just a bit, from AI stocks, the money stayed in the S&P500. Buy VT instead of VOO if that makes sense to you, but as VOO goes so does the broader market.
I wouldn't go *all in* on the S/P, but *all in* on the S/P and an ex-US fund or a total world market fun (say, VT). But even then, I wouldn't spend the 100 all at once, but invest it over time. That way you don't risk buying the top.
You can't diversify with VUG or SCHD. You would do VTI or VT.
What safe ETFs are you in? Should just be VOO VTI VT.
I have been investing for a little over a year, solely in ETFs because I like the idea of the slow climb over time as well as it just being a lot less to manage. I want some advice on what I should consolidate doen to or if these are good long term plays. With that being said here are my holdings ROTH: VOO, VXUS, VGT HSA: VTI, VT Yes I am aware that there is overlap. Most of it, such as the VTI and VT in the hsa is from when I initially started investing in VTI but switched to VT to invest broadly. Started investing in VGT purely because I like the tech sector.
Put into VT and post pone spending, until I can get those 5k from elsewhere
If they’re not planning on watching the market or doing anything else but purchasing VT, there is no opportunity cost. Although I agree, having tons of money tied up in a slow and steady investment closes a lot of doors if you’re actively watching the market and are a decent stock picker.
Full port VT and hold. I'm living dangerously.
So just to be clear, do you not really have any money in equities like VT besides your 401k? I understand being risk averse, but you don’t want to be so risk averse that you forgo investing in equities altogether, equities outperform every asset class over the long run. To your original point, seems fine to DCA it in chunks, just don’t spread it out over a crazy long time span like 5 years or whatever. If you’re dollar cost averaging into a broad market ETF, you ideally want to get all the money you’re planning on investing actually invested within about a year or year and a half. Time in the market beats timing the market.
If you like it, it's fine I guess. Better than not investing it at all. But It's not optimal. You should be invested into your asset allocation at all times. If you're apprehensive about putting all of this into VT right now, that that means your asset allocation might be too aggressive. In that case, increase your fixed income percentage.
i just turned 30, been in grad school for all my 20s, so the money ive invested is all my savings (before i had most of it in my brokerage in VT, but now most of it is in my HYSA (~100k) and ~50k in brokerage, and around ~23k in my roth ira (just started maxing that out 3 years ago). i was really scared to see it go down a lot during that feb 2026 dip, so thats why i pulled out and went towards the HYSA, though im sure it would have grown much more if i just hadnt touched it. lesson learned i guess but i grew up poor, my parents filed for bakruptcy during the great recession and lost our house, so im a bit more risk averse than most. i have no safety net so i didnt wanna see the one i built start to diminish.
i sold my nvda from my roth ira at 222 last week, then it spiked up to the current price u see today (234). i regret it a bit but i did think the price was gonna come down again to the 199s/low 200s figured ill buy in when it goes low again. (cost basis at the time was 210 which i felt was too high) i did the same w my VT back in march, sold everything at the bottom and the stock skyrocketed the next day. i didnt buy back in, thinking itd crash again. foolish foolish foolish. i was scared id lose what i started out with, i couldnt bare to see it go negative so i sold but if i had just stayed it would have been an incredible run. i put all the money from that VT sell in my brokerage into my HYSA (it was getting 4.25% at the time, now it's 3.6%) the roth ira money from nvda i placed into SGOV. i figured the low gains would be preferabld to a negative year or stagnation but i was wrong, things can really turn around and u dont wanna regret missing the gains bc u pulled out
Just in time for indexes to eat shit as a result of the AI bubble pop. Those index funds are more than 40% AI bubble whether you choose VT, SPY or QQQ. But I'm with you in solidarity. 25% SPY, 25% VT, 25% SPYI, 10% TQQQ and 5% TLT for the rest of the year. Rest in money market. Will probably sell weekly 2% OTM calls on the SPY position. YOLO.
Noted: sell my 1 share of Nvidia and put it in VT
Bucket strategy with as much as you can into VT and call it done.
Lmao brotha I been there. Finally learned my lesson and parked my money in VT for a while. Turns out I’m better at sports betting and have more self control there 😂
Are you just gonna buy VT?
Exactly, but while you’re still in school and not getting earned income, the only tax‑advantaged vehicle you can tap is a Roth if you’re under 50 but need earned income—so you’ll still have to wait. In the meantime a taxable account (VOO or VT) is the next best thing, especially if you keep a solid emergency fund in a HYSA. That way you get in the habit and start compounding early.
Just VT and chill. With options you always lose in the end, always
You take risk of estate tax when invest in us domicile. SPYL is one of ucits version of S&P500 VALL is one of ucits version of VT For ETFs that invest in US, higher TER is justified by avoiding estate tax risk. For ETFs that invest in international, EXUS, for example, you may get some additional benefit from lower L1 dividend tax comparing to us domicile equivalent, in addition to avoid estate tax risk.
Same. France and Europe's culture in general are different from the US so you'll have to expect different work culture, laws, taxes, etc. Like France for example makes you pay a "French Financial Transaction Tax" for daily buying/selling/trading/investing fee based on the amount/shares you buy. It's anti-capitalistic as it dampers investment into their stock market. Strangely enough if you're a hedgefund/algo/firm that trades a trillion shares but remain net neutral then you pay nothing. It's only when you have a net buy/sell. Then there is also the taxes/withholding France levies on your dividends as well as ADR fees. Still I'm not decreasing my Euro based stocks, not planning to decrease my VT, and not selling my positions in things like SHEL/LVMUY.
What data makes you think you’ve had “pretty good success”? This should inform how much you allocate to your own alpha strategy vs. just owning the index (beta). Hard to beat VT (VTI+VXUS) for equities.
100% VT and I've probably owned a hundred individual stocks over the years. Lots of wasted time researching, screening, timing...and not finding alpha over a broad ETF.
Definitely, I was just saying that VT has a 35-40% loss in gains of that US over performance. While VOO misses out on 100% of non US over performance.
Best advice I can give you is to be VERY aware of the content and from whom you consume content. Many Bots and People alike reflect narrow, short term views that primarily support their specific objective. Follow people who can consume data from both sides, conduct additional research, form logical opinions... There is a HUGE difference between Trading (extremely short term) and Investing (long term). When you Invest, you have to conduct unbiased research into all aspects of the Companies you uncover. Once found, you have to have conviction in your analysis. When you do, buy and hold them forever. Some that I previously came across 15+ years ago (not recommending in 2026) and began INVESTING in were JPM, Apple, Nextel (now TMUS). VTI, VT or VOO should be 1 fund in any long term investor portfolios (age would dictate weighting bias). These had their ups/downs however their returns have met/exceeded S&P500 return. 3 different sectors but the companies all have solid businesses. We need a new Warren Buffett for this current environment where Private Equity and Tech lead Imaginary (at super inflated levels) valuations and an SEC that let's such companies enter people's IRAs ,401ks... People need to also be similarly aware of WH Administration related changes as they tend to drive short term Market moves (more for Trading). I don't post much at all but saw your opening and thought I would send something.
Another way to look at it is just opportunity by being too conservative with VT.
You have 10 months of expenses in your HYSA, that’s a bit more than you really need. If you already know you’re behind, then you know some risk is needed to catch up. But you don’t have to stick the HYSA money in an IRA, drop it in a brokerage account in VT or VOO. That way it’s still available if you need it in an emergency. Keep 12-15k in lower risk like SGOV, and the rest in VT or VOO. **If you really want bold lifestyle anectdotes, /r/personalfinance has you covered better than /r/investing**
So then the VT share of the US just increases with it. Sure it may be less over time if it happens, but you still ride whatever wave happens just at a proportional percent.
VT is the only other real choice if you want something that's still fairly safe. Other than that, you can pick your poison on equities
Honestly, the simplest way to keep it risk‑tolerant but still diversify is VT on its own—it covers US + overseas techs in one basket. Just set a monthly DCA, let it ride. If you want the extra safety you could touch a tiny percent into a short‑term bond ETF, but that almost eliminates the risk you’re willing to take.
VT : All of the world’s beta And a stunted version of its alpha
Anyone recommending VT over VOO is at that first peak on the Dunning-Kruger curve
VT maybe. It includes exposure to equities over the entire world.
No risk: SGOV (3.6% annually, ties inflation) Low risk: VT (is a bet on the world economy, which I personally wouldn't participate in) Medium risk: SPYM/VOO (bet on America) High risk: SPMO, QQQM (bet on profitability of AI/tech sector) Crazy risk: QLD, SPUU (huge short term bet on tech/America) Genuinely do not do this: TQQQ, SPXL (yoloing everything and you would lose it all in a crash)
Is the intent here to sell after circa 7 years, or to get a dividend or dividend like payout continuing after 7 years of DCA contributions, if the idea is to hold and get payout until you pass it along at inheritance with step up, I would look of OVL combined with SPYI, and maybe MBOX, just be aware since these return money as ROC which the IRS does not count as income so does not count towards AGI much until the basis runs out in 10+ years there are tax implications both positive and negative, with the basis and capital gains resetting when you die and pass it on. Of course VOO, VT, VTI, VXUS, etc is probably the safer bet
VOO suffers less severe drawdowns and rebounds faster then VT, and life of fund has put distance on VT for returns.
VOO + VT is just over concentration in USA. If you want to go whole world but still control your percentages, just go VOO/VTI + VXUS
Because you have to say VT on this sub. Until the foreign market poops as oil rises. Then you have to say VOO. Oh, and don't forget to say "and chill." The discussions on this sub have been hijacked by an active cohort who only parrot what they hear. Because they are young, this Boglehead strategy will likely work for them, but they like to apply it as a panacea for all investment questions.
VT for broader diversification and international exposure.
Why not half VOO, and half VT? Yes, there’s a lot of overlap. But 100% VOO is 100% overlap.
VT and chill Sometimes the US returns -1% for a decade, and we don't know in advance
Put your 30k into VGT and ignore it for a month. Then put the rest into VT and some more info VGT and call it a day. Or have some Crayola and short Adobe
I went for a walk in early fall foliage and planned great weekend in VT. I believe quality of life is in the multitasking.
They can open fidelity Roth account and make regular montly deposits into it Each of your parents should have there own Roth account. They could move the cash into these accounts dn start investing it. They could US VT, QQQI, EMO, UTF, and UTG. XT for growth and the rest are very good dividned funds. SCHD is mostly a growth fund not a dividned fund its 3% yield is too small to be of much help to them now. . At their age they should be focusing on dividend income
Since may hahaha If you put some money into VT every week consistently and keep doing it for years then you'll see it
Family. Both 45 M / 49 F. $5.4mm NW. Annual Minimum Commitments 50k in 401k, $25k 557B, $15k Roth Conversions, $5k HSA, $150k After Tax Brokerage VOO/VT. = $245,000
VT and a 65/35 VTI plus VXUS split are almost the same portfolio. VT is the single fund that already holds roughly that world mix and rebalances inside the fund, so you never have to. The split only helps if you want to set your own US versus international target and keep it there. If you split, write the target down and only trade when one side is about 5 points off, and use new contributions before you sell. In a Roth there is no tax cost either way, so the only real difference is a tiny bit of hassle. DIY is enough here: pick one approach, automate the contribution, and stop revisiting the ratio every time someone posts a new one.
Before retirement mode, I maxed rIRA and 401k each year. 100% VT. You will retire rich that way.
I’m a novice myself as far as industry standards go. Im investing in some risky single stocks to try to get an edge also, however I keep the majority of my investments in index funds like VOO, VT, VGT. If I lose on my SpaceX or AI stocks, it’s only a small portion of my portfolio and won’t break me, if they turn out to be great, then great I bought myself a couple years worth of investing. But only risk what you’re willing to lose
VT and chill, honestly. The VTI+VXUS split only matters if you want to tilt US vs international yourself — otherwise VT does it for you and it's one less thing to rebalance. At your age simplicity beats optimization.
re: disclaimer: So you want *bad* advice...? Weird, but ok. Choose something besides VTI/VOO/VT, set, and forget.
I wouldn’t mind being riskier, but the amount of people saying to stick to just VT makes me hesitant to branch out 🥲 I’m also planning on opening a standard brokerage account in about 6 months or so, so maybe I can have more risk there?
The advantage of VT is that you don't have to rebalance.
VT if you want hands off and safe. Dimension funds for a bit more work but better returns.
VT 100% if you're looking for simplicity. It's basically the same. Brokerage doesn't matter, use what fits your style
I can argue that VT is actually riskier than VOO is: smaller caps and emerging markets.
Yes. But, if you so, keep it simple & boring. Things like VOO, VT, VTI, VXUS. That’s my advice. Or, maybe better yet, go to a financial advisor who’s a fiduciary & who will consult for a fixed or hourly fee. That’s another very good option.
Unpopular opinion but at 24 go 100% VOO, or VT if you want a little more ‘safety’