VTI
Vanguard Total Stock Market Index Fund ETF Shares
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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
$100,000 is a lot to have in an emergency fund. That’s more than you make in a year. Index funds are relatively safe too. I would keep $20,000 in the HYSA and then invest the rest in VT, VOO, or VTI. Whichever you choose. You’re going to miss out on some insane compounding gains if you just keep it all in a savings account
If you need the money immediately, like today, keep it in a standard bank account. If you need it in the short term, less than a year, park it in an HYSA to fight off inflation. If you need it in 3-5 years, bonds and CDs can be a better return rate than a HYSA, but the money will be tied up more tightly so that’s a trade-off, a good HYSA rate is still broadly fine. If you can let the money cook for 5+ years, certainly 10+ years, then a brokerage account focused on low cost broad market index fund (VT or VOO/VTI + VXUS) are your bread and butter.
VEA or SCHF if you don’t want EM included. VEU if you want EM included at market weight. Even though performance is virtually identical to VXUS I prefer it because it omits small caps. I don’t trust that small caps in EMs are audited and for shareholders to get their fair share. In fact, I don’t think that’s true for large caps either which is why I largely buy VEA aside from a small bit of EM exposure with some VT. I am a big fan of VTI/VEA and would recommend a 60/40 DCA on automatic investment to anyone
Wow, this is an overly complex nightmare. You'll regret this when your older and you can't simplify without massive tax consequences. I'm am that 45 range, and have VTI+VXUS, and 10% bonds in 401k. Simple and easy
VTI, vxus and call it a day. If you believe analysts that small cap is do for a catch up rally this year then allocate some to Avuv for extra concentration but you just need growth at your age. If holding more than two feels better than fo voo, ijr, ijh, and ixus. Maybe one or two individual stocks you like that have good fundamentals. Dont overthink it.
because some companies are good long term investments? i’m up over 100% with WMT and COST and will probably never sell them. I do hold a large amount of VTI, IDVO and VGT as well.
If you want 1 fund, VT is the way to go. If you want to be able to balance your international exposure then consider 2 funds - VTI and VXUX. If you do decide you want an S&P 500 fund as your only holding then consider SPYM as it has a marginally lower ER ratio than VOO (0.02 vs 0.03).
Stop doing this and put it all into index funds. Preferably VTI which is a global index fund and minimizes single country risks. Keep investing in that and don't touch it if it drops.
Since I am tax loss harvesting ETFs I just check when the headlines are screaming about big downturns. You do not have to monitor closely. You can just check when "the stock market crash" is the first item on the news. I often also rebalance cash+bonds vs equities at the same time. For example. The last time I did TLH was early April 2025 when stocks took a nosedive over tariff uncertainties. I did a little bit of TLH, selling some recent lots of VTI and simultaneously buying ITOT, but I bought a lot more ITOT than I had sold of VTI because the sharp drop in stock/stock ETFs moved my cash+bonds location above my rebalance threshold.
VTV and VTI are clearly not substantially identical. Wealthfront and Betterment have published white papers on their tax loss harvesting methods and they use index funds that are very similar, but which follow indexes from different index or providers. The IRS has not objected. The IRS has not even objected to swapping between ETFs that follow the same index, such as SPY and VOO, which are both SP500 ETFs. That is pushing it too far for my taste, but I do TLH between VTI, ITOT, and SCHB which are in total US market ETFs, but the index providers are different.
Real talk you need to start with a gambling anonymous group, because you’ve been gambling, not trading. Next you need to remove triggers. Block this subreddit and any other stock related sub other than r/bogleheads. Remove Robinhood and any other brokerage apps you have on your phone. Moving forward just invest your money in VOO, VT, and or VTI
That sounds like an excellent technique, assuming the gap happens frequently enough, as it accentuates the move, and the broader market (either VTV or VTI) are likely to recover eventually after any downturn, which might not happen to a single company, no matter how big. I think that this is my new plan. I briefly thought of something similar to avoid wash sale triggers a few months ago, designed to generate some losses. Now I feel that after the initial concentrated stock move, I should watch for short term downturns from the initial buy, and move lots between VTV and VTI and/or VOO and VGT. I dont want to get too deep into timing things, but this seems pretty safe, and almost like not moving as these positions are largely the same (except for the value option), but not **Substantially Identical**. Do you think that this is crazy?
You're 20 and already investing. That's the hardest part done honestly. One thing worth knowing, VOO and QQQ have massive overlap. QQQ's top holdings are basically VOO's top holdings too. You're doubling down on large cap US tech which is fine if that's intentional. At your age I'd keep it simple. VTI + VXUS in the IRA and let the target date fund handle the 401k. Compounding over 45 years does the heavy lifting.
Target Date Funds are the true "and chill" investments. People going all-in on VTI/VOO/SPY instead because they want to "beat" Target Date Funds are completely missing the point.
To clarify: VT would replace VOO. If OP wants to keep VOO, VXUS is what you'd pair with it. Essentially VT = VOO + VXF + VXUS combined into one (and VOO + VXF can be combined into VTI)
Since you're getting different perspectives here, let me add some practical context: The overlap between VOO/QQQ/SCHD is real - you're basically triple-weighting Apple, Microsoft, etc. For tax efficiency in your Roth, I'd lean toward gradually rebalancing rather than selling everything at once (though in tax-advantaged accounts, this matters less). On international: historically, having 20-30% international helps with risk-adjusted returns. The US has crushed it for 15+ years, but cycles change. Something like VTIAX or VTI+VXUS gives you that global diversification without the complexity. The "keep it simple" crowd has a point too - 100% VOO isn't terrible at your age. Your 401k target date fund already gives you some international exposure anyway. Bottom line: any of these approaches beats not investing at all. Pick something you understand and stick with it. You can always evolve your strategy as you learn more. The consistency matters more than perfect optimization.
CAD gained about 4% on the USD over the past year. VTI sold in USD. VIU and VCN are both traded in CAD and sold on the Toronto stock exchange. I have had great returns over the past year. I have zero interest in investing in a country who's president is actively destroying all their trade relationships.
Others have commented on your tech-heavy investments. You’re also in most specific stocks and not ETFs. There are ideological arguments around that, but generally ETFs are stabler. Another consideration is your investing horizon, are you looking for maximum near-term growth, stable long-term growth, or maximum near-term stability? If you want diversity, consider adding non-US ETFs (Vanguard VEA), less-tech dominant value-companies (Vanguard VTV), diversified US ETFs (VOO or VTI). There are also thematic ETFs (energy, infrastructure, consumer staples, defense). And hedges (commodities, non-US ETF, etc) if you aren’t bullish on US dollar. If you want a hands-off approach, target-date investment funds. An advisor is highly likely to move away from single-stocks (for the most part) and prefer ETFs because of the inherent risk mitigation associated with them. You likely don’t need to pay for an advisor unless (1) you can’t stop yourself from trading and you want to, (2) you want someone actively trading for you, or (3) you’re really trying to maximize near-term returns and willing to have someone be risky. Outside of those conditions, you’re likely better off with low-fee ETFs, index, or target-date funds. Personally, I’m pretty near-ish on the current US market valuations and I’ve done extremely well with gold-ETF (IAU), defense ETF (NATO), and non-US ETF (VEA + Fidelity equivalent) and very so-so with VTI, QQQ, and US-growth stocks. But that’s recency bias and potentially not reliable in 2026 and beyond.
This guy is wrong they aren’t remotely the same thing, one tracks the s&p 500 and the other tracks the nasdaq 100 which both make up totally different types of companies, industry concentrations, expense ratios, etc. If I were you I’d try to consolidate everything into a long term, low volatility ETF (or two) that gives you exposure to the entire world economy. VTI + VXUS accomplishes this, or just do VT if you don’t want to have to balance the allocation yourself.
VTI + VXUS = VT. Just invest in VT, ignore stock picking and use the time to build a life you're happy to live in.
A good number of SCHD is inside VOO as well. The 3 fund portfolio is a bit of a misnomer, the number of funds matters less than having 3 main areas covered (I can design a 3 fund portfolio concept using anywhere from 1 to about 7 funds with little to no overlap - your target date funds in the 401K is one example of the 1 fund setups). VOO could be used for the US role, but you'd have zero international (which can be beneficial to both returns and volatility compared to US only) and zero bonds or similar (which may be fine while young, if you can truly stomach the volatility of 100% stocks). One example (out of many possible) of a 3 fund portfolio using ETFs would be VTI (US stocks) + VXUS (international stocks) + BND (bonds).
The selling on perceived bumps in value is what I have been doing. In addition to the price of your concentrated position you should monitor its price relative to VTV (or whatever else replacement you use). I sell when my concentrated position is high relative to VTI.
VOO and VTI have the same long term performance so it doesn’t really matter
Your time horizon is WAY too short. 2025 didn't prove anything, to be honest. VTI will still outperform VXUS when talking about 15-20-30 years out.
quit day trading, get a respectable job, put your prior investments in a brokerage VTI+VXUS split, same split in a Roth IRA maxed out every year, get married, have kids, wait 35-40 years, enjoy a comfortable retirement.
The S&P500 is already extremely diversified, it is way more than just 7 companies. I'm all in on VT, but I also think VTI is still a very solid way to go and cherry picking YTD for 2026 doesn't really change that.
The daily reset and volatility drag is included in the adjusted close price, right? So, if you did buy at those prices, you'd have 227x gains today, even with the reset, etc. I can see that over longer terms it loses the 3x gain, but still some amazing results. Yeah, my holding goal is forever. Buy, borrow, die. But, TQQQ is not something you can / should borrow against. Probably still keep my base in VTI / VXUS, but I'm thinking about adding some leverage.
Young = no bonds. VT or VOO/VTI + VXUS as your base. Add in anything else you like or believe in. Invest in what you know. I know crypto, tech, software so that’s majority of my holdings. I don’t know oil so I don’t speculate on oil stocks.
Amzn VOO NVIDIA Apple O Meta Microsoft VTI pretty tech heavy, a lot of this stuff I bought when it was down though I’m not down bad right now, I just want to make sure I’m good when things start going up
I don't quite get the discussion of daily resets on TQQQ. Does the adjusted close price not actually reflect the real earnings? If you look back in the historical data, when it started in 2010 it was at 0.22 per share. Today it is around $50. That's a 227x gain. VTI adjusted close on the same date in 2010 was 42.41. Today 336.30. 7.93x gain. So, as long as you buy and hold for the long run through the epic downturns, wouldn't you get those returns? I started an experiment to test. I bought one share of TQQQ at $48 to hold. We'll see if it holds up its value. TQQQ: [https://finance.yahoo.com/quote/TQQQ/history/?frequency=1mo&period1=1265898600&period2=1770994814](https://finance.yahoo.com/quote/TQQQ/history/?frequency=1mo&period1=1265898600&period2=1770994814) VTI: [https://ca.finance.yahoo.com/quote/VTI/history/?frequency=1mo&period1=992611800&period2=1770994945](https://ca.finance.yahoo.com/quote/VTI/history/?frequency=1mo&period1=992611800&period2=1770994945)
I took about 100k out of VTI and vxus for BTC…
Just buy ETFs In this same time horizon, I’m up simply by buying and holding VTI & VXUS. Individual stocks always drop way more than the overall index. I swear, I hear things like “the market is bleeding today”, then I check the market and SPY is only down 0.1%. It’s the SNAP, NVDA, et. al., that are down in the double digits.
As a Canadian, who was told the US doesn't need my money, I did the same. I was heavily invested in VTI - US Total Market ETF (2025 +17%) plus many other US stocks. I now own: VIU - Vanguard FTSE Developed All Cap ex North America Index ETF (2025 +28%) VCN - Vanguard FTSE Canada All Cap Index ETF (2025 +31%) Non-US stocks Before some misinformed regurgitates Bondi's "But the Dow 50,000 dollas". The Dow Jones is only up 11% over the last 12 months.
Yes. $hundo monthly into VOO or VTI until you learn more is just fine. Better than fine. The trick is to do that for 30 years.
I have 0 debt and around 15k (another 10k too but stuck in companies atm) gbp at 21, made a bit from stocks, but not a lot because scared to put anything more than 1k in any stocks, need to get some positions opened, should i just dump my savings account into VOO/VTI rather than getting like 3% sitting in the isa. Should note I also have XRP (which has died recently) so would be good to DCA that.
VTI is a moderately bigger slice of pie, not so much bigger.
How does SPY/SPX compare to VOO and VTI ?
You can always buy both. VOO & VTI and rotate between the two. I DCA between like 5-6 vanguard fund to diversify but VOO is my largest position.
VOO is a slice of pie. VTI is a much bigger slice of pie, a slice that also contains VOO in it.
It's the entire US market, which includes the SP500 which is what VTI tracks. It's just not weighted as heavily towards SP500 because it includes other US companies as well.
So Investing in VTI is almost like investing in part of VOO and the rest of the US market? I think I get it and I appreciate the simple response
Yes, but just keep in mind VOO tracks the SP500 which is weighted very heavily towards the Mag7 tech companies. So its a little less diversified than it seems - a downturn in tech or AI would hit VOO hard. You might wish to consider VTI which tracks basically the entire US market (including the companies in VOO) so it's a little more diversified.
Buy VTI and VTUS and a little bit of BND. Easy as that.
S&P 500 is considered a large cap index, investing in only the largest companies. There have always been other indexes you could be using, such as small cap indexes, or total market indexes with both. VTI includes around 3000-4000 different stocks. But since the S&P 500 includes the biggest companies, those 500 make up the majority of the market cap of the entire stock market. So over 80% of VTI is just the S&P 500, and less than 20% of it is those other 2500+ stocks, since they're weighted proportionally to their much smaller market cap. So functionally there's a very strong correlation between an S&P 500 ETF and a total market ETF. Personally I prefer total market for that small amount of extra diversification and slightly less concentration in a few massive tech stocks. But it's not a big difference either way with the large caps dominating to such an extent.
At their current value? Easily MSFT or AMZN. Both have taken a beating and are oversold. They have the most growth opportunities. Who is doing the best right now? Google but they are too expensive right now. Might as well put money in VTI or VOO and will probably get better returns.
All the funds you list are growth index funds with minimal differences in risk and often with overlap. Nothing I would consider spice in a portfoli Try ARDC 9%yield, PBDC 9%,EMO 9% CLOZ 8%, QQQI 13%.. Thes will add a lot of dividends to your portfolio. which can be used to by more of other fund or more dividend funds. right now in your roth you are limited to investing $7500 per year. I you take 30K from VTI / VXXUS and put that in EMO you would boost the yearly cash flow into your Roth to $10,200 a year You can put the dividend, VTI, VXUS or EMO. The dividends funds would also work in a taxable account. But QQQI in addition to having the highest yield is also a tax efficient fund. So in the taxable account. build up the dividend income from it to 7500 and use that income to make your yearly roth deposit. And keep adding more to the taxable accounts and more dividend income fund. you can use to pay your bills And eventually you would have enough to cover all of your living expenses.
You’ll be okay. You’re 24 with $20k invested, it’s a solid even that first investment didn’t work out. Now the hard part is to keep investing more every 2 weeks even when you’re down like this. I’m 28, my first 2 years really investing (2021/2022) and I was down like 30% by the end of 2022. Kept investing and I’m up something around $90k. Thats after a $30k dip from my peak a couple months ago. Also diversify. It sounds like you meant to buy an etf, future contributions just put it in VOO or VTI.
VTI can’t be bought in EU genius. Not knowing that is actually funny.
Honestly though just take a deep breath, its not as bad as it feels right now. Dont think about how much you have lost, what you need to do is assess what you have right now and decide what the best path going forward is. If you still think SPGI is a good investment, then hold and dont stress about it. If you think its a bad investment, sell and take whats left and invest in something you think is a better investment. Given your emotional reaction to this drop, I would recommend buying an ETF like VTI or VOO and just not worrying about it
VT. VOO and VTI is diversified but not enough, still a giant historical bet on US economy and USD as reserve currency. Times are changing, diversify
Thinking the s&p500 is a single “stock” you can buy is kind of funny to me. What you should have bought was VTI or a similar index fund that tracks the s&p
First of all, my deepest condolences. Losing your partner at such a young age is unimaginable. You are in a vulnerable state. Do not try to invest that $280k into the stock market right now, park that cash in a HYSA or a US Treasury ETF (like SGOV or BIL) inside a brokerage. You will earn \~4.5-5% risk-free. Take $23k from the inheritance and pay off the loan against your retirement immediately. Avoid buying UK/European mutual funds (look up 'PFIC rules'). Make sure whatever you buy (like VTI/VOO) has 'UK Reporting Fund' status to avoid punitive tax rates in England. But generally speaking, you don't need 'shady' financial planners.
But get VTI instead (the ETF equivalent of VTSAX), because it's easier to port between brokerages.
It's a good strategy for a younger person - 100% SPY or VTI. You may also want to add some international - VXUS. As you near retirement, you may want to reduce risk and diversify by adding fixed income. A lot of people who are 100% equities are happy when the market is up. During downturns, avoid panic selling. Remember, the market has volatility. The long term smooths it out.
If you owned the market (VT or VTI & VXUS) when you had 56k a year ago today it would be 69k~ Something to think about
15 years of almost straight up gains, what do you expect? Finally my VXUS is outperforming VTI.
Research ETFs and Index investing , set it and forget it. You are are18 years old, Penny stocks are basically gambling for you!!! that 1845$ could go to zero if fully invested in penny stocks. Look into SCHD ,VTI, VOO, REIT, bonds (BND) and diversify with like international ETF. You can also buy some individual stocks like HOOD, BE, PLTR, RBLX, Apple, Amazon, or Microsoft. Pepsi, KO, Solid business. forget about the bubble , market will adjust and correct eventually..... You could also consider Joby or Archer if you’re interested in emerging technology, but only after doing proper research. They’re still speculative, but way better than whatever you’re doing with penny stocks. For the love of God or the universe, whatever you believe in , sell your penny stocks and invest accordingly. With your high-yield savings account already in place, you can focus this account on growth ETFs and index funds instead.
Yeah my suggestion is dont do penny stocks. You might get lucky, but youre more likely to end up with losses. I know its not exciting or fun, but just buy index funds periodically. VTI and VXUS is pretty much all you need. I started around 20, and 7 years later im at $150k. Of course I didnt even have a salary job until I was 23. Its slow but steady. My first few years I also tried picking stocks. I didnt have much success…
Go look at r/bogleheads >\-More diversified than VOO? If so, what? Total US EtF such as VTI/ITOT/SCHB is slightly more diversified than VOO/SPY. More important is diversification by holding international equities via an ETF like VXUS or IXUS. As you approach retirement you should add bonds. >\-Dividend ETFs? And reinvest the income (after tax and living expenses) into SPY or VOO? That creates an unnecessary tax drag. Dividends are not "free money" and in fact actually end up a negative during the accumulation phase when you are just reinvesting the dividends. >\-Treasuries and bonds? Yes, 5 to 7 years before your expected retirement start transitioning to your desired asset allocation in retirement.
gambling no longer fun, i think ill just buy VTI now
My main holding 😎 I bought MO, XOM , VXUS, VTI at the beginning of the year and sitting pretty. Other than VTI, dog shit American economy stock.
ytd SCHD = +15.35% VTI = +1.85% Might be the first time i've seen SCHD lead VTI by this much.
I’ve been playing in the stock market for about a year. My individual stock picks were hit and miss. UNH played out well last year for me and I took profits before their recent dip. I’ve had a few other good plays. I’ve also had a lot of bad plays, and sold some picks too quickly & lost out on some good gains. I also got greedy and didn’t take profits when I should have. I’ve concluded that do not know the stock market well enough nor do I have the time required to make consistent substantial short term gains. Overall, if I just stuck everything in VXUS and VTI and chilled, I’d be up probably about the same. Short answer: Patience is key but you have to know when to cut your loses and when to take profits. A couple of diversified ETFs is the best bet if you’re playing the long game and are a passive investor.
Always sell when it vests - move proceeds to VTI
Yeah pick either QQQM or VTI
New to investing, I’m 26. I’m doing 100% VOO in my Roth IRA. And for my brokerage I’m currently doing 50/35/15 into VTI/QQQM/VXUS. I know QQQM and VTI overlap so I was wondering if I should just drop QQQM. But also QQQM has a been doing good return wise. If I were to keep it what should my ratios be and/or what should I switch it out with.
VTI up 9% past 6 months, down -.5% past month VXUS up 18% past 6 months, up 5% past month
VTI's YTD chart is sinusoidal lmao.
Someone help. 350 GOOG shares at $166. Pretty low average cost. Would you sell 250 shares? Buy VTI? thoughts? Just hold?
Moving to an IRA at Fidelity or Schwab is a good solution. They will help setup and move the funds. Then invest in a few etfs like VOO VTI or their similar funds. Stay away from Edward Jones or other costly companies.
Do you suck at picking stocks or are you panicking and selling when it drops? If you are doing any research and feel you are picking good stocks then you need to have a little more testicular fortitude. If you are just winging it, you should quit doing that lol. Keep stacking shares in safe places like VTI or something.
Mother of god that’s awful OP, but your life isn’t over, you’re presumably young and have the very valuable asset of time on your side. Scrape pennys and get out of debt, and if you ever invest in anything more, work on getting that compounding interest to snowball thru $VTI + $VXUS. It’s not nearly as fun, but r/boggleheads is one of, if not the easiest, safest, highest odds strat to actually grow your portfolio Best of luck OP and hang in there
Add to it the (not so) low-key devaluing of the dollar. Best bet might be to just keep investing in VT, VOO, or VTI. I've added quite a bit of VXUS and VEA (to overweight developed markets) in order to bump my international exposure to around 40%.
1 YR VTI +14.03% 1 YR VXUS +32.93% So much winning.
If he’d stacked VTI he’d have like 300k instead of -60k. Even if he did a terrible pick like BND he’d have like 150k+dividends
With yur income ye, traditional is out and Roth only via bakdoor. tbh, just tossing it in a taxable with VTI/VOO is chill. CD’s fine for now too if you wnt low risk. Bro, depends if you’re cool with market swings or want safe 4% lmao.
The IRA limit is only $7k, so while you should contribute to it yearly, in the context of $175k, it's an insignificant amount. Yes, you should invest in VTI or VOO. But you need more research and experience. Someone who has been investing for years, been through many downturns, with hundreds of thousands invested, would be fine with having all their money in index funds. If this is your very first time investing, you need to understand more before dropping $175k. Do you know what will you do if the market drops 25% this year?
Invest in a EFT and you don't have to think mate VOO / VT / VTI something like that. If youre trying to battle single stock youre more likely to lose a lot of money, unless youre a genius or very lucky.
r/investing first of all. This place is largely for trading stocks. For investing you want to use a minimal fee platform like Robinhood or Vanguard and buy and hold, which a lot of people do by finding a broad coverage ETF like VOO (just fortune 500) or VTI (total market--broader coverage)--there are several, all pretty equal. Buy it and hold until retirement.
for what, all US stocks? or the S&P 500? because all US stocks being 4-5% is pretty standard.. but I'd say more people here are VOO and chill rather than VTI and chill. and VOO will likely average more than 4-5% per year over the next decade...
My equites setup is 40% VTI and 40% QQQ. I only have about $100K direct in MSFT because it organically grew to that amount. IMO you want more broad base exposure and you can get access to companies like MSFT or NVDA through ETFs because those large caps are over represented MSFT is an AI software play. They are in the forefront against Claude and Cursor. It is an inexpensive choice for large businesses at this time and their GitHub hosting can’t be beat (either on premise or cloud hosted) Do not go more than 10% MSFT though.
I get the appeal of SCHD for the dividend focus, but VTI already gives you broad exposure. Since you've got the S&P 500 in your 403B, I'd personally keep a mix so I'm not leaning too hard on just dividends or just growth. That way you've got balance between income and long term compounding.
Loaded question. Like the OP, your current age and time horizon are really important to understand for investing for retirement. In general, I prefer buying broad market-based index funds like VOO, IVV, VTI, or similar, because of the long-term rise in US stocks as a whole. But that's a gross oversimplification. I would prefer an ETF like SGOV over CDs, for it's liquidity. Many brokers over something similar for cash sweeps.
could make it easy with VTI or even IVV. If you want risk, throw in SPMO or some emerging countries/markets ETF
1. Remember a Roth IRA is just a type of bag with special tax rules. You need to buy investments to put into that bag (e.g. VTI, VOO). 2. A Roth IRA has low contribution limits. Max those, and then contribute by buying investments in other accounts (401k, brokerage). 3. Roth IRA is the best tax advantages (Typically, depending on your scenario) but due to contribution limits, not enough on it's own for a retirement plan.
\>I feel like I shouldn’t only do the IRA That is probably correct. Save and invest for the goals of your life. The first priority is an emergency fund in low risk, liquid savings of enough to cover several months of loss of income or other unplanned expenses. This belongs in a HYSA, money market fund, or short term bond fund. This is more personal insurance than an investment. The next priority is investing enough for a comfortable retirement. A guideline for that is 15%-25% of gross (before taxes) income. The annual IRA contribution limit of $7,500 is 15% of a $50K income. If you make more than that you need to invest more for retirement. If your employment has 401K type retirement accounts with some employer matching it is best to contribute enough to that to get the free money employer match before contributing to a Roth IRA, then contribute any more that is appropriate to the Roth IRA. Employer matches count toward the percent of gross income. Jobs with pensions require additional calculation of how much is needed to invest for retirement. After those save and invest what you can for other life goals - car, home down payment, marriage, children, vacation, entertainment, etc. - whatever applies to you. VOO historically has been a good long term investment. Some people prefer more diversification beyond the top 500 US companies and including companies outside of the US. An example of that would be 70%:30% VTI:VXUS or VT which is basically that combination.
I would go with VOO. It has a lower expense ratio and it focuses on value and growth. The main thing you'd want to do, imo, with a position like VOO is to keep adding and never sell until much later in life. VOO is the better candidate for that - it should have steadier growth with less drawdowns. It also pays higher dividends that you can reinvest. Putting everything in VOO is perfectly ok for someone your age, imo. What I personally do is reserve a certain amount of cash, 10% max, in a money market or short-term treasury so that if I see a good opportunity on an individual stock, I can buy it without having to sell any of my long-term positions. I also use the cash to buy dips on VOO or other long term investments. As far as other ETFs, I also like QQQM. VTI is also good. You really can't go wrong with any of the Boglehead stuff. Probably the biggest thing when starting out is avoiding making mistakes. Keep it simple. It takes some time to get a feel for investing, go through a few market cycles, see your portfolio grow, etc. It's very easy to do too much.
If you're scared before you put in any money then don't pick stocks. I'm not trying to be mean but you're extremely unlikely to beat the market even if you do everything right, and it doesn't sound like you have the risk tolerance to hold through serious volatility. You're best bet is VOO, VTI and do not look at it.
why not just start with some market following etf, like VTI / SPY?
A good app to track ETFs and Stocks is the Google Finance app. It also has sections containing currency rates and foreign markets. Pretty intuitive... and updates on the fly. As for VTI, it tracks very similarly to VOO, which is a Vanguard fund containing the top 500 largest companies. Some brokerages have their own version. Many prefer SPYM, which is the same as VOO but it's a tiny bit cheaper. VTI is great though. As for the turbulent times ahead...He's likely to get crushed during the midterms... so have faith.