VTI
Vanguard Total Stock Market Index Fund ETF Shares
Mentions (24Hr)
-21.74% Today
Reddit Posts
23 F advice on my long term portfolio: VTI/QQQM/Costco
Is it ok to never have bonds if you start investing early?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
What to do with $300,000 just sitting in my checking account?
Thoughts on 31yo investment portfolio - big pay raise next year and questions
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
I'm creating a portfolio for my brother, any thoughts?
Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
3rd year of maxing out my roth ira. How do my allocations look
Limited International Fund Options in Employer’s 401K Plan?
Choosing spouses growth stocks for taxable account
Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Thinking about a higher growth portfolio for the new year.
30 year old. What's got the greatest possible potential for returns? TQQQ?
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"
With IRAs about to reset for 2014 what are you all planning to buy?
Portfollio allocation after move from edward jones
Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?
Investing brokerage accounts for my kids and nieces - best course of action?
Investing advice for moving around 100k into ETFs
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
Mentions
Serious? Split it in two. Dump 1k into something like vanguard, 1/3 into VT or VTI, 1/6 in BND, 1/6 in GLDM, and leave the remainder in JAAA as a cash like position at 5.48% APY. Ignore it for as long as you can. Have fun with the other 1k. Whatever that means.
$35k holding VTI and tech stonks. I don’t fuck with options
I think it depends on person's situation. I am in a low tax rate due to deductions on investment real estate and largely qualified dividends in my taxable accounts with mostly VTI. Actually I may be paying more taxes in my retirement years. Taxable accounts are good if you have tax efficient assets like VTI and VXUS. Get foreign tax credit with VXUS. Nothing wrong with doing a combination of 401k and taxable.
80% VTI 10% VGT (Technology) 5% XAR (Aerospace/defense) 5% UAR (Uranium/Nuclear production) Nothing wrong with investing a bit in a specific sector you believe will outperform the broader market. I went 20% VGT / 80% VTI a while back and VGT ended up at 40% before recently rebalancing.
When fear strikes, *that* is the time to look at your high conviction stocks. When people are gnashing their teeth and in the movie theater after someone screams fire, *that* is the time to be on the prowl. > And what if you need to withdraw money for an emergency during these conditions? For me, part of the magic of being able to take advantage of downturns is getting your shit in order when things are good. Make it easier to make moves. Good, solid, personal finance. For a young guy like you, you have time on your side. If you are DCAing in -- keep on keeping on. Consider upping your contributions a percent or two or whatever you can afford. There will be drops. You will see drops. It is very, very, very likely that you will see a lost decade in your lifetime. That is a super power for you. As to needing money for emergencies, yes, things always will come up. Anybody can get ruined any given Tuesday. You should have some liquid runway in the form of a HYSA or short term or whatever before you are looking at liquidating your regular stock investments. If you are investing in stocks before a 401k or ira or emergency fund or if you are running a balance on credit cards, you should reevaluate your personal finance basics. Re: timing the market. Rule says you will lose. I don't care what you do and I do occasionally time the market. Im an idiot, I guess. A lucky idiot maybe. Know what you are risking and live with the gambles you make. Otherwise, VTI and chill.
If you're asking these kinds of questions, the best vehicle for you is likely index funds. VOO/VTI. I know you probably won't take my word for it, and that's okay. I'm not a financial advisor so you probably shouldn't. But I would recommend at least keeping the majority of it in a broad market index fund. And starting with a small satellite portfolio (5-10% max) of your most high conviction positions. Start small so you don't lose big. Maybe look into dollar cost averaging If you're looking to buy and hold long long-term.
Very clutch over $50bn, VLO and MPC. They shot up due to recent events in Venezuela, but are going to shoot up way more over time. The markets haven't fully realized what this means for these companies. Once the dust settles and Trump and Delcy announce deals, these 2 companies are going to begin expansion plans and blow up even further. This is exactly what they've been waiting for. Together, they now make up \~30% of my portfolio, with the rest split between NBIS and VTI.
> I’m sorry if I offended you by answering the persons question. I pulled out a very specific bone to pick with it. > You are acting like I’m saying people shouldn’t buy VT. I’ve already stated it’s a solid choice, just explaining the few reasons someone might pick VTI over VT. Who is not listening to whom? I directly responded to many of your comments and you're droning on about fund selection. > (and for the 5th time, VT is a fine fund to invest in) Point me to where I said this was wrong lmao. we have yet to discuss the tax placement, buying frequency, investing goal. There are trade offs to both funds. The only bone I picked was with your liquidity comment and lack of bringing up a foreign tax credit. grow up
> offers superior liquidity thats the point I was arguing with. it literally doesnt mattter, its not relevant. > At the end of the day VT forces you into global market-cap weighting forever…which may be optimal, but removes all strategic flexibility. >While VT’s internal rebalancing avoids taxable events, VTI+VXUS enables tax-loss harvesting opportunities that VT holders cannot access. When international markets underperform (which has been common), you can harvest losses on VXUS while maintaining market exposure So are you buy and hold forever and locked in or tax loss harvesting? I knopw its crazy, but you can own all 3! wow! all of the funds rock. theres no reason to make these terrible blanket statements all of the time.
VTI and chill. No really, I didn't know how to invest or what to do with stocks or an IRA and had no one to teach me, so the 30K I saved up in the USMC ended up being pissed away on living expenses when I could be retired right now in my 30s. Put all of your pay into VTI/VOO and literally coast to the finish line. Work on a trade skill or your general education college credits while still in.
You literally just restated the same benefits to VTI that I’ve already been saying. Even the tax advantages: https://www.reddit.com/r/investing/s/c6IziEwXku While “past performance doesn’t guarantee future results” is technically true, dismissing VTI’s historical outperformance as “meaning nothing” ignores that it reflects fundamental economic realities. While VT’s internal rebalancing avoids taxable events, VTI+VXUS enables tax-loss harvesting opportunities that VT holders cannot access. When international markets underperform (which has been common), you can harvest losses on VXUS while maintaining market exposure. VT’s “tax beneficial” internal rebalancing only matters if you’d otherwise trigger gains…it provides zero benefit during the many years when strategic loss harvesting would be valuable. At the end of the day VT forces you into global market-cap weighting forever…which may be optimal, but removes all strategic flexibility. Again, really unsure why you are so upset that I’m literally just listing reasons why someone would choose VTI over VT (and for the 5th time, VT is a fine fund to invest in). Is there something else going on in your life that would lead you to invest so much time in pointlessly arguing with me about something I’m not even arguing, while essentially ignoring every response I give you and to keep arguing the stuff that I already said doesn’t really matter much? I feel like you need a win. Take this champ 🥇
> and the fact that VTI has outperformed VT historically past returns != future returns. means nothing. the liquidity reason is not something anyone with a $100M should care about at all. youre just kind of clearly talking to an ai and then talking out of your ass. its kinda funny
Why is it so difficult for people to invest? Just buy VOO or VTI and never watch any fucking YouTuber telling you to buy this and that. Don’t get greedy. Just buy VOO and let it grow over time
You are acting like I’m saying people shouldn’t buy VT. I’ve already stated it’s a solid choice, just explaining the few reasons someone might pick VTI over VT. The liquidity aspect, while there, is not a strong reason in and of itself which I also already admitted to. The main reasons are being able to choose your exposure to foreign markets and the fact that VTI has outperformed VT historically. Bonus points for having a lower expense ratio. I’m sorry if I offended you by answering the persons question.
Same. Well not the 170k part but a decent amount. VTI and forget it these days
Actually, while you’re correct about creation/redemption mechanisms handling large orders efficiently, there’s still a valid distinction worth considering between VTI and VT’s liquidity profiles. VT holds approximately 9,500 stocks across dozens of countries, including thousands of small-cap international stocks in emerging and frontier markets with limited liquidity. Some of VT’s underlying holdings…particularly small-cap stocks in countries like South Korea, Taiwan, or Brazil trade in much thinner markets with wider spreads and potential settlement complications. When authorized participants create or redeem VT shares, they must acquire or dispose of these less-liquid international securities, which can introduce friction costs that don’t exist with VTI’s purely domestic holdings. VTI’s roughly 4,000 holdings are all U.S.-listed securities trading on highly liquid exchanges with robust market-making infrastructure and same-day settlement. The creation/redemption process is cleaner and more efficient when all underlying securities trade in the same time zone, currency, and regulatory framework. Additionally, during market stress or international market disruptions, VT’s authorized participants may face challenges efficiently creating shares if certain foreign markets are closed, experiencing circuit breakers, or dealing with currency conversion delays. VTI has no such cross-border complications that could temporarily widen spreads or delay order execution. So while you’re right that both funds handle large orders well under normal conditions, VTI’s purely domestic structure does provide a structural liquidity advantage through simpler, more efficient creation/redemption mechanics. Let me know if I’m off, always glad to learn. I’d prefer if you were less of a dick in your responses though.
Lending Club is offering 4% for it's HYSA (called level up). Put your money there so it's at least beating inflation while you figure things out (and also don't have it locked up in a CD). Personally, I would open an account with Fidelity and invest the money in VTI & VXUS or you can simplify your life and invest in VT. If you don't have a Roth IRA, open one now and dump $7500 in (the max contribution this year) and let that settle. Maxing out a Roth is a good idea no matter what you ultimately decide. With an individual brokerage account, you can take the money out at any time (don't have to wait until retirement). This is where my house find is and it's doing well. If the market tanks, which is always a possibility, I won't buy bc I'm happy/comfortable where I am. If you're set on buying a home in 3 years, then just keep that money in the HYSA and don't invest in the stock market. I happen to be up 17% since I started but it's always a risk.
If the narrative that we are in an AI bubble is accurate, a bust of that bubble will punish these unevenly weighted ETFs. Over years, agreed. I think there are better weighted ETFs (even VTI) that will shield from this and serve the purpose of being diversified (which is partly why we do this, right?)
VOO = SP500 VTI = US stock market VXUS = International stock market VUG = US Growth stocks VGT = Information Technology VT = Total world market This gets asked a lot, search the sub https://www.reddit.com/r/ETFs/s/JSEJEY1mzi
For VOO and Chill to work you need to just step 1. Keep investing in VOO. 2. Keep chilling. If you keep asking about step 2 you are failing at the chill part. I am working with a fund that is part VTI and part VOO. I just keep throwing money in there and walking away.
It all depends on your tolerance for risk. Your advisor's recommendation is the cookie-cutter "safe" bet - there's very little risk of losing your principal, and you should have ~$280K in 3 years. This also very much helps your advisor, as his company would gain $250k in investment capital. However, I'd argue that 3.73%/year (or ~11.7% compounded total return) in the current market, for someone of your age and profile...is not in your fiduciary interest. 2022 was a rough year, but the S&P500 (or approximately VOO) has returned 80%+ since 1/1/2023. VTI, which includes international companies, has performed similarly. This has been a historic "bull market," but your $250k could conceivably grow to $400k+ in an index fund like VOO/VTI if the market stays hot; even if we revert back to historic norms of 8%/year your $250k could grow to ~$315k.
I’ve learned about, and rode, the VTI wave after reading about it in this, or a similar, sub. I still contribute to it, but as you mentioned, considered reducing the AI exposure while maintaining the mentality of ETF/index and chill.
XMAG -- your cost is going to be substantially higher though. .35 vs .03 with VOO. I know there are some other that equi-weight sectors. RSP is one I think and it looks like the expense ratio is .2 VTI is supposed to be more balanced with an expense ratio of .03, but even that tech is 32-ish percent.
VOO top 10 holding compromise a majority tech, and of that top ten, 38% of the fund is those tech stocks and much of that really is AI. As much as I like the SPY/VOO/VTI and chill, there is an implied narrative that this is diversification. It is not diversification. I think this lie is going to be a major market mover if this bubble ever pops.
No TA needed for VTI/VXUS Other than that I do occasionally listen to a podcast called InvestTalk, started it back around 2020 (R.I.P. Steve Peasley, one of the longtime hosts who has since passed away), and will very rarely make an individual stock pick based on something I hear there. My only current holdings based on that are a gold miner, a copper miner (didn’t really have good exposure there in the broad index), and QS as a lottery pick if they get solid state batteries right and revolutionize EVs and other industries (that was one that Peasley had).
$100k, VOO. $1m? Close to the point where I'd self manage 80%/dump 20% in VTI. Then again, I like that stuff. If you don't, continue VOO. For my self managed; again 80% of that 80% is spread across my favorite 3 companies in each sector across the 11 sectors, re-evaluated quarterly. Companies that are winning, tend to keep winning. 20% is in LEAPS, other stocks I like but don't want a full position in, etc
Institutional wisdom favors the "Three-Fund Portfolio" for a reason. VTI (Vanguard Total Stock Market) VXUS (Vanguard Total International Stock) BND (Vanguard Total Bond Market) Efficiency dictates this VTI, VXUS, and BND allocation. VTI captures the entire domestic engine. VXUS provides the necessary global hedge against a weakening dollar. BND offers the ballast needed when equity volatility spikes. It's the same structural integrity that saved disciplined portfolios during the 1970s stagflation. Which is why sophisticated capital favors this triad. Because simplicity is the highest form of risk management.
VOO and VTI are always a good option when you are uncertain. Picking certain stocks to benefit from a macro event is not easy because of the volatility it creates. Stick it in VOO and keep an eye out for an opportunity.
It’s now 30% VOO, 30% VXUS, 40% VTI and chill.
10% speculative/doomsday 60% VTI 30% VXUS Broad-based, no load, low expense ETFs are the best for getting cheap diversification. Boring and conventional, but much safer than gold options at ATHs
VTI is solid. But add real estate to your portfolio too. Diversification is key. While VTI gives you market exposure, real property ownership provides inflation hedging and tangible assets. Most wealthy people have real estate alongside stocks. Bogleheads underestimate property value in a balanced portfolio.
YEs. By weight, over 80% of VTI right now is already the entirety of VOO. The rest of that weight is a few thousand additional smaller companies (which do have their time to shine from time to time). However, either way, I'd pair it with an international fund.
No new individual picks for me (just feeding VTI/VXUS) but I have some QS I’m gonna let ride (very small % of portfolio) Also have a gold miner (AEM) and copper (SCCO). Took profit from AEM over the last couple months, maybe too soon, but was up over 250% from my basis and seemed prudent. Still have a small amount on the table.
I see everyone say VOO Is VTI also a good option? I dca VTI and wondering if that’s a good idea…
I’m gonna go ahead and buy VTI every week until I die instead of
It’s not “fixed” in that it never changes, it’s fixed in that I have no control over it. I prefer being able to customize my exposure. Regarding the “lost decade,” it’s worth noting that U.S. outperformance has been more consistent historically…international has only outperformed in sporadic periods, and recency bias from 2000-2010 may overweight a single decade’s results. Also if you really want to take advantage of taxes, The VTI + VXUS split enables tax-optimized placement…you can hold VXUS in tax-advantaged accounts (where foreign dividends are higher) while keeping VTI in taxable accounts. VT obviously doesn’t allow this flexibility since it combines both markets in one fund.
I think your instinct to set and forget is a good one. Since this is a long term investment (UTMA age of majority is 21 in PA) you’re going to be a lot less stressed if you put this into a broad based index fund and don’t try to pick individual stocks. You’re busy enough with running your business and raising a little one, you don’t need to check your portfolio every day. You’re already doing dollar cost averaging with the weekly contributions, which is great. I keep the “no brainer” part of my portfolio in VTI because I’m long term bullish and the dividend is nice.
Be proud of wanting to invest at a young age. So many waste their early income without realizing the compounding power they’re sacrificing. By using an online/high yield savings you’re already maximizing the return on your cash. Parking some funds in VOO with the intention of never selling for the foreseeable future(10+ years) will serve you as you build wealth long term. After reading your post, you appear to be focusing your energy on optimizing an investment strategy for savings and income that are very minimal. I assume you have no income as a student? I’d recommend that you focus 99% of your energy on increasing your income by either getting a part-time job or starting a scrappy/low cost business like pressure washing or mowing lawns. Then either reinvest those profits in yourself and your business, or park it in VOO/VTI. You can’t save your way to wealth, you have to earn it. The trick is being disciplined with the money you DO earn, and not squandering it. You mentioned wanting a car - cars are one of the biggest financial mistakes Americans make, financing cars they can’t afford and guaranteeing those loans with their future income which is uncertain. I’d recommend you buy an inexpensive, used, reliable car like a Toyota/honda. Many wealthy people drive these types of cars, and there’s a reason for it. Cars get you from point A to B unless you’re a car enthusiast, which it sounds to me like you can’t afford to be at this stage. “Investing” can take many forms. You can view travel costs as an investment if you feel it’s worth the return of traveling in your youth. You may even be able to find a way to creatively generate a financial return on those activities like travel influencing etc. I’d argue the experience of traveling will ultimately help you earn more money over your lifetime but maybe others would say it’s a waste. Check out Dave Ramsey’s baby steps. Your savings of a few thousands easily covers your emergency fund of 6 months. Pay down any debts, and anything left over that you don’t want in cash, throw it in VOO/VTI and don’t touch it. This captures the market return of roughly 10% per year and is better than keeping it all in cash. Yes, this is slow and boring but as you age you’ll realize slow and boring but consistent returns is EXACTLY what you want. Practice the correct investing behavior/habits today, not for the money it will earn you in the next 10 years, but because you will continue investing a portion of your income throughout your lifetime. Hope this helps, good luck!
VTI has delivered significantly stronger returns over 10 years due to concentrated exposure to the outperforming U.S. market, particularly in technology sectors. VTI also costs less with a 0.03% expense ratio compared to VT’s 0.07%, offers superior liquidity with higher trading volume, and allows me to manually control my international allocation by pairing with VXUS rather than accepting VT’s fixed 60/40 U.S./international split.
I’m not saying 80/20 of your entire portfolio, just for a single brokerage account (my Roth IRA is 100% VTI for example). Outside of that, yeah you want to think about liquidity. I personally have a laddering CD strategy that I prefer rather than something like TTTXX.
Today is the first trading day after the attacks. What did VT, VTI, VXUS (and yes, VOO) each do? Answer: VOO and chill or, as I prefer, VT and chill.
That's what I'm doing. Knowing my luck as soon as I try to diverge from my current strategy (VTI/VXUS), I'll do way worse than setting and forgetting (Although, I won't lie I regularly check my progress, but I have the willpower to not panic sell when there is a drop)
VTI/VXUS/TTTXX (70/20/10) is my go to. When market turns shit, I take portions of the TTTXX and buy VTI/VXUS. Deposit more into TTTXX. Rinse and repeat. Plus TTTXX isn’t taxed in my state. So get some steady income.
80% VTI + 20% VXUS and chill for your typical brokerage account.
Today I'm starting to realize that investing 100% in VOO, or VTI, or VT, just means that you're guanrenteed to be average. To me, average means getting a C grade. I think moving forward I'm going to allocate certain percentage into stocks that will outperform and put out better numbers than the average.
VXUS and VTI basically make up all the holdings of VT with VXUS being all the international portion and VTI being the US portion. So I would look at VXUS.
there are some UCITS etfs here that go beyond VTI (global all-in-one world funds) that will probably work for you [https://www.justetf.com/en/how-to/invest-worldwide.html](https://www.justetf.com/en/how-to/invest-worldwide.html) [https://www.bankeronwheels.com/global-equity-etfs/](https://www.bankeronwheels.com/global-equity-etfs/)
Judging from last year, VTI +15% VXUS +30% VT + 20% Yep, that's something.
ARKK, QQQ, VTI. In my experience never as much hyper growth as you can earn in individual stocks though
With the small amount you’re investing, you’re better off going all in to an index and not diluting your investment across a bunch of places. Also i believe spdr 500 is tracking s&p , which means there’s overlap between that and VTI. If I were you, I’d either go all VTI or VT depending on whether you want international or not. Mag 7 will be included.
I don’t like 529 because my kid may not go to college. UTMA account is my pick with 100% VOO or VTI
VOO is not performing better than VTI. Should I sell it and then buy VTI? For reference I'm 25 years old and I started investing 5 months ago.
VOO and VTI are not UCITS compliant funds if you are Dutch. Is there a reason why you don't just use a fund that tracks the same index where you live instead? It would be easier to deal with tax differences and currency risk since many EU based funds are available in currency hedged format if that matters to you. And funds in the EU can be accumulating depending on your local tax rules which can be more convenient in some cases.
Right. Our inflation hasn't been great, and while the Euro is stronger now, they have had inflation too, and in some cases higher than that in the US. How do you buy VTI hedged in Euro? Isn't it much harder for Europeans to access and buy these stocks casually? And if you converted your USD to EUR to do so, I don't see how you beat it.
With $100, I’d keep it simple and look at a broad ETF like VOO or VTI, or even just park it in one solid company you believe in long term. The bigger win at that size is learning and staying consistent, not trying to hit a home run.
He's not betting against the US, he's betting ON the US but AGAINST the USD. For example, you can invest in VTI, or you can invest in VTI hedged in Euro. You're essentially buying stock in the same S&P companies, but the former would've yielded you like 4% return after inflation, whereas the latter closer to 13%.
There’s only one answer: Open a Roth. Buy VOO or VTI. Max it out. Anything else comes after you max out that Roth. But there’s no drastic change to be made even after that. Avoid individual stocks. At least for now, if not for ever. Focus on your *massive* advantage of time in the market. The value of starting young cannot be overstated. https://youtu.be/RxCqxhRsHiY?si=_SejCHpRvIQb1w70
QQQ is not a good option. Its better to go with VTI or VT, it contains all of that and the rest of the market. VT contains the rest of the world. Why limit to just tech heavy nasdaq?
I'll probably be dead in ten years, but I'm still going all in on VTI for the options given. My nieces and nephews will enjoy the boosts to their college funds.
I would not split them evenly as then you are actively making bets overweighting sections of markets you probably don't even intend to. To keep it simple passive investing is a solved problem you buy the market with the lowest cost funds available. The two big decisions you need to make are your stock and bond mix and then your international allocation. VTI is essentially 3800 US companies its 99.8% of the US VXUS is the rest of the worlds stock markets (though not nearly as complete as VTI) All the stocks that makeup SCHG are in VTI by buying SCHG you are overweighting Large cap growth - will large cap growth overperform relative to the other companies from now until you retire? I have no earthly idea so I would keep it simple and stick to VTI and not complicate your portfolio with overlap. 60% VTI, 20% VXUS, 2.5% FLCH, 10% SGOV and 7.5% reserved for your individual industry ETF and company picks will set you up for a very successful future. Once your investments are of sufficient size you can decide to learn about investing and spend time researching individual companies and pouring over 10k's and trying to beat the market. Until then its a waste of time and a losing effort - just buy the market and let it compound.
80-90% of Wall Street (paid professionals who do nothing but stocks) do not beat VOO in a given year. Zero beat it reliably over a long timeline. The numbers for us normal folk are even worse. I’m just saying it’s far less effort for what will likely yield better returns. People who like to stock pick generally invest 90% into a VOO or VTI and then “play” with the last 10% to see if they can pick a winner. But lemme tell ya. They rarely do!
I would add VXUS and FLCH at a ratio of 9:1 for overseas exposure with a more properly representative chunk of china. And I'd remove Tesla, Palantir, microstrategy, and definitely QQI and roll it into VTI. You are buying such minute fractional shares that it is probably hurting you in the bid ask spread long term. Put your cash into SGOV and get some treasury yield to boot.
Target date fund or VTI and chill.
If we can only go off list VTI of course. VT would be my "sure thing". Heck maybe even small value AVUV
This is pretty good advice. Although I slightly disagree about VT as the US stock market historically does better and I have held both VT and FSKAX(VTI equivalent) and the US market has been substantially better. So I still like VT, but less allocation
Thanks chatgpt. Just VTI long term dumbass. No one gon read these paragraphs
Honestly this is probably the best advice here. When geopolitics gets messy, trying to time specific sectors usually backfires. Just DCA into VTI/VXUS and let the chips fall where they may (pun intended)
I’m not a professional asset allocator, but is your main goal for your kid? If so, I’d suggest doing some proper asset allocation For next year, I see big trends in nuclear and AI you could focus on those potential areas. For ETFs, something like VTI is good for broad coverage with lower risk I’ve done some DD on nuclear stocks if you want, I can send it your way
You know there's a middle ground between buying calls on a bunch of random companies and paying through the nose for an advisor's mutual funds, right? You can just buy VTI/VXUS yourself.
I’m a 26M and I want to start saving for a down payment for a house. I max out my 401k, HSA, and Roth IRA each year and historically have put the rest of my savings in a taxable brokerage account investing ETFS. I already have an emergency fund sitting in SGOV and VBIL. I’m my time horizon is 10 years, should I just put my cash for a down payment fully into SGOV:VBIL or split it between the treasury bill etfs and a total market index fund such as VTI? Thank you!
Personally I like having 5 to 10% cash on hand for buying opportunities, but the rest I keep invested. You are missing out on great returns if you are too fearful or if you try to time the market. It also depends on your time horizon. If you need it for a house down payment soon, then HYSA makes a lot of sense. Compounding interest does wonders. If you are risk averse, would suggest keeping it in ETFs and mutual funds like VOO (many will say VTI but it offers lower returns than VOO). If you have Fidelity, they have a tool that compares your risk appetite and time frame, and then it will provide you with a recommend allocation.
It depends, if I knew #5’s track record, I would consider it. I think there are a few that are really good but I have not met them Otherwise probably VTI
I would be fine to mix it up in funds like QQQ or VTI or IEFA(international) or VT (all world) I wish you best
Definitely not #5. That would be a waste of money. You didn't give us much context as to who is the recipient and what is their overall financial situation So of all the options you suggested, I would vote VTI but actually I would go with VT because it covers the whole world, and who knows what will happen in the next 10 years. Having said that, I would put 30k into VT and the remaining money into something else. Probably 5k bitcoin (it's a bit of a gamble but it might pay off), and 15k into VGT because long term it will likely outperform VT. Both VGT and VT hold NVDA. VGT has more of it (16% of its holdings).
I will say that my own answer would be VTI. Anything else seems like a gamble or a loss of opportunity- accept maybe the fiduciary assuming s/he is capable.
A CD is a guaranteed loss since the return is smaller than the rate of inflation. NVDA is a house of cards dependent on the success of the various data centers but could pay off big. Gold is a great store of value and protects your investment from losing value due to inflation but does not grow like stocks. Not really an “investment”. VTI is a total market index fund if i’m not mistaken and a safe bet to have your money move with the US stock market. You will not beat the market and if AI turns out to be a dud, you’ll be set back when that large correction in the market happens. Don’t pay for a money manager. They are there to leech off of you as much as possible. In conclusion I would not take any single option because that would not be diversification. I would combine gold, VTI, and NVDA. But if I had to pick one, the VTI option is what I would do.
Diversify. Some in tech stocks or some ETFs and then some portion in something like VTI or even BRK-B.
Of those options, VTI. Everything else is a bad idea.
Just go with VT instead of essentially mirroring it anyway. Use VTI and VXUS in taxable.
>What if the gambling pay off. Extensive research shows that it does not, in fact, pay off. >Surely some of my opinions does make just little bit of sense. Tiny bit ? They do. But they aren't opinions that people with more knowledge, better technology (algorithms), insider information, and who dedicate their every single waking moment to trading as a full time job in large quant shops don't already know.... and even they struggle to predict where the market is going. And remember the goal isn't to "make money" the goal is "make more money than buying VTI and doing nothing" which is surprisingly hard. Do yourself a favor and buy some books on investing before you YOLO and lose a bunch of money.
You think you're the first person to notice this factors and have a better sense of how these factors will affect the rest of the market than everyone else? Just VTI & chill.
I think you're kinda in the middle with this with that timeline. It's not quite long enough to go full risk, but not so short that you need to play it safe either. For individual stocks like RKLB, you don't want your down payment dropping 30% right when you're ready to buy. Maybe diversify that. Put some in VTI and or VOO, and 40 to 50% in a HYSA. Over 5 to 7 years, there's about a 10 to 15% chance the market is down when you actually need the money. With a house purchase, that timing matters. HYSAs are still paying decent returns. When you factor in the tax hit on short term gains and volatility, they look pretty reasonable for part of your savings. We built a comparison tool on our site (BankTruth) so you can check updated rates without hunting around. Rates can always rise or fall depending on the Fed. All in all, just don't put everything in one place when you've got a specific goal and timeline.
You’re in a great spot already. I’d keep 6 months of expenses in HYSA, then start a simple, boring DCA plan and stick to it. Something like VTI + VXUS (or just VT) is hard to beat long-term and keeps you from overthinking allocations. If you want to tilt later, do it small. the real win here is consistency and time, not getting fancy.
You don’t need to invest yet; you need an emergency fund. I’d find a high yield savings account for this cash and pile it in there. You need to have six months worth of savings before you can begin contemplating investing in the market. When you do, just chuck it all in VTI and call it a day.
* VTI: 40% * KMLM: 20% * DBMF: 20% * GLDM: 10% * TLT: 10% Gets close to S&P returns with 1/3 the drawdown. https://testfol.io/?s=5lit5gboz6a
60% us total market 40% international total market. You can do VTI+VXUS w/rebalance or VT set it forget it. If you want to try and beat market with somewhat decent odds. You can allocate some percentages to us growth, small cap value, emerging market. 5% each.
Isn't this apples and oranges? You don't know that FZROX will or will not underperform VTI (next 10 FZROX could be way better), but you DO know you save the expense ratio.
My point wasn't "it's only $50k difference so it doesn't matter". My point was "the difference in holdings between FZROX & VTI (something you don't control) will be a much bigger difference than 0.03% annually, so it's not a significant factor". For example, the difference in performance of FZROX & VTI just over the past year is 0.38% (more than 10 times the significance).
At your age, for a Roth IRA, the difference between ETFs and mutual funds isn’t that big. If you want to follow the Boglehead 3 fund, FZROX/FZILX is simpler and has no fees, but VTI/VXUS offers flexibility if you plan to move the account later.
It really doesn't matter, one is an ultra-low expense ratio and the other has zero expense ratio. To show you how little it matters, consider a $1,000,000 holding that grows on average 8% per year: * After 10 years, the FZROX holding (0% expense ratio) would be at around $2,159,000 while the VTI holding (0.03% expense ratio) would be at around $2,153,000. * After 25 years, the FZROX holding (0% expense ratio) would be at around $6,849,000 while the VTI holding (0.03% expense ratio) would be at around $6,801,000. * After 50 years, the FZROX holding (0% expense ratio) would be at around $46,902,000 while the VTI holding (0.03% expense ratio) would be at around $46,255,000. So, is there a difference? Technically yes. But the miniscule differences in holdings between the two funds will vastly outweigh the 0.03% difference.
So far fidelity is the only one I’ve found that has this. I set up a weekly dollar amount investment, split between VTI AVUV IXUS and DISV. You just specify the dollar amounts it auto buys whatever fractions that comes out to. Been using that for at least a couple years now.