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
Dimensional doesn't have a direct analog for VOO/SPY. DFVX is probably the most similar, but it uses a severely trimmed-down (only 300 or so companies) subset of the Russell 1000 instead of the SP500, so it's not really apples to apples. Its company weighting also differs substantially from a true index, with a few big names like Nvidia and Apple, for example, only having a fraction of their market weight in representation. The most index-like Dimensional US ETF would probably be to use DFUS as a stand-in for VTI. If you really want an "active" index that applies some modest filters while still remaining largely true to market cap, maybe look at AVLC from Avantis. It also roughly uses the Russell 1000, but holds 700 or so companies at market weights that feel a lot less like stock picking.
It's a great day to have lots of $$ in VTI
We inherited an acct for Raymond James. Similarly concerned about fees but decided to keep it there for a year while we figured it out. We switched it to fidelity to manage on our own. I wish we had done that from the beginning because they were way too conservative and we lost out on gains from tech last year we would have had had we invested in VTI, VXUS like we wanted to do with it. They talked us out of it. We also got put into some buys that we can’t get out of for a couple years which is very frustrating. Then we had fees. Anyways, it’s noble to try to protect yourself against making bad decisions but I think if we had done it on our own, we wouldn’t have done anything bad in hindsight. Really think about what you would do, not what is typical advice after a loss.
How in the fuck do you see trump taco ten times in a row AND see it's taco Tuesday - and yet you decide to rely on some coloring book lines on a chart to go all in? That's just fucking stupid. I don't care if you are the best technical trader in history - trusting trump not to taco is fucking dumb at this point. I bought $10k worth of shares/ETFs (mostly VOO and VTI) - because I don't know shit about technicals but I know tacos.
Alright, so over the last few years I changed jobs, and I have put all my rollovers in one spot. So here is what I have, and I feel like having this in individual stocks like this is not ideal. Should I be putting this in an actual retirement fund like a 2045 or something? I would rather set and forget these and just contribute to them now each year. So I have my current job which has a 401k that i contribute 12% and they match 4% in. That is separate from this conversation of my two rollover IRA's, one rollover and one roth, totaling about $28,203.36. When I consolidated them I had paid for an advisor and he chose the stocks to buy, and some did really well, but then he started trying to upsell me on some insurance stuff I didn't want. The only things I have added on my own volition to these are the SPY, VTI, and VXUS since then. I am just looking for some guidance, or questions I need to ask myself that I am not seeing or doing. The first one is the Rollover IRA: $11,459.97 (overall: -$1,451.93 / -11.25%) * CRWD - CrowdStrike: shares: 6.066 | cur val: $2,567.31 | %acct: 22.40% | g/l: +$331.51 / +14.82% * MSTR - Strategy Inc: shares: 10.391 | cur val: $1,285.57 | %acct: 11.22% | g/l: -$2,714.34 / -67.86% * NVDA - NVIDIA: shares: 27.413 | cur val: $4,882.25 | %acct: 42.60% | g/l: +$882.30 / +22.05% * RDDT - Reddit Inc: shares: 7.566 | cur val: $1,067.86 | %acct: 9.32% | g/l: +$100.97 / +10.44% * SPY - S&P 500 ETF: shares: 2.513 | cur val: $1,656.61 | %acct: 14.46% | g/l: -$52.37 / -3.07% The second is the ROTH IRA: $16,743.39 (overall: +$3,126.65 / +23.01%) * AVGO - Broadcom: shares: 14.155 | cur val: $4,727.34 | %acct: 28.23% | g/l: +$2,227.48 / +89.10% * NUE - Nucor Corp: shares: 16.211 | cur val: $2,808.71 | %acct: 16.77% | g/l: +$188.16 / +7.18% * RCL - Royal Caribbean: shares: 18.002 | cur val: $4,819.31 | %acct: 28.78% | g/l: +$819.45 / +20.48% * VTI - Vanguard Total Market: shares: 12.955 | cur val: $4,215.94 | %acct: 25.18% | g/l: -$117.55 / -2.72% * VXUS - Vanguard Intl: shares: 1.845 | cur val: $143.94 | %acct: 0.86% | g/l: +$9.11 / +6.76% I also just realized that I can and should be contributing to these every year, up to $7,500, which I plan to do this year. I just want to do it right and according to my goals that I don't think I am set up for. Thanks in advance to any and all help, much appreciated!
VOO/VTI and chill. Always +50% of your portfolio, the rest you can blow off on whatever shit stocks you want, i choose RDDT, also down 40% ytd
Obviously if they go public at these valuations totally transparent indexes like VTI get in. Though they do float trade so it happens somewhat slowly. But SP I'm not following. What happens in your mind to finds line VXX?
VTI and VXUS. VOO is already part of VTI. You get broader diversification with VTI.
They have underperformed historically. They are too conservative, and expense ratio of 0.25% is awful when you can get better returns in VTI with 0.03%. It’s my personally opinion that, at least for your average person planning for retirement, you should be 100% equities until 50, or 10 years before you retire. Me personally, I plan to be 100% equities until 3-5 years before I retire. Target date funds start shifting way too soon.
Honestly, for long-term growth, VOO or a total market fund like VTI works fine. Keep it simple and stick with what you’re comfortable holding for decades.
VTI or VOO. Set and forget. Once you get older, you'll want to rebalance to be more conservative. But at 25, go aggressive. You can absorb losses and have time on your side. Keep it up and you'll be a millionaire in no time.
Honestly for me since I’m invested in Vanguards TDF in my 403b I don’t mind it since my job doesn’t offer a match so I’ll just throw money into it and just forget about it. I’ll just focus mostly on my Roth IRA which is invested in VT and taxable that has VTI and VXUS.
Just put it in VTI too. FYI target date funds are usually crap
Nice suggestion. I’m hadn’t heard of AVUS but it looks like a better alternative to VTI. Just bought some.
yeah this hit. holding VTI through 2022 was way more of a psychology lesson than any book i read lol. turns out the hard part isn’t picking the ETF, it’s not messing with it every time the market freaks out.
I am in VTI and SCHD. And XLE, USO and FANG. The last three are energy focused
>!Dollar cost average into VT or VXUS/VTI and chill, seriously.!<
Is this how you guys buy stocks? Wow, Dell has much less potential of returns over a year 3 year period than the VOO and VTI index funds. Dell's server business is no longer the lucrative business it was - Dell had a good 15 year ride when Intel's CPU server business flourished in the PC era. Look at their AI data center expansion strategy. It is not promising. The problem is that they are trying to change the narrative to being an AI server business. They are worse than the new competitors like Nebius and Coreweave and others since building AI datacenters from scratch are much easier than refactoring existing ones. Technology wise they are inferior in the AI era. The only thing that can work for them is that Dell himself is a cunning businessman as Larry Ellison so till Trump is in office, he will bribe his way through the deals. What happens afterwards, no one knows.
I have been using EQL. Cost is a bit higher and it doesn't eliminate this, but it at least makes sure you are diversified, unlike a SPY, VOO, or even VTI.
All you gotta do is DCA into VOO and VTI, but bro be snorting lines.
Should just be doing VOO/VTI. Easy as that. They’re good ETF’s, rather than just three stocks that may be a little hot now but might not be in 1 year, 5 years or 10 years
I’m shifting to Avantis funds. AVUS, for example is similar to VTI, but they’re not strictly pegged to an index, they don’t buy companies as soon as they IPO. Rebalance timing is at the discretion of fund managers so institutional investors cannot game their buy and sell behavior. And they have a small value and profitability tilt (so Tesla is 0.75% of the portfolio instead of 1.72% in VTI, for example), but it still falls within the large cap blend style box on morningstar and the performance is very close to VTI.
I repositioned into VTI/VXUS when they were down 10/12% respectively. I expect more downturn. Also, I'm so fucking sick of seeing these bot posts. Only a bot uses “ and ’
It's real simple. Buy low, sell high. As in start buying tech as it goes down, hold/trim energy, oil, gold, staples, whatever is in Vogue. Buy low, sell high. It is THAT simple. If You can't get your head around that, Buy VTI and uninstall. Simple.
Why are you buying individual stocks for the long term? And those are terrible choices as we speak. But VTI/VTI instead.
You can build your own with various brokers. Take an index that you like, clone it minus the ones you don't like, and let it rip. One of my Muslim coworkers does this - he's forbidden to invest in FIs so he copied VTI other than FIs in M1.
Probably because it has been asked and answered a million times and the answer is that it doesn't? Most funds that boggleheads use won't be affected by this (VXUS obviously, VTI, VT) more than affected by a company like Tesla today
Get out of any etfs / mutual funds based on the Nasdaq (QQQ, VTI etc). Elon forced a rule change so he could [dump his bags on retail passive investors](https://finance.yahoo.com/news/new-rule-could-fast-track-spacex-ipo-for-nasdaq-index-inclusion-172327734.html). He’s also rolled up a bunch of other BS into SpaceX basically doing the same thing (xAI, Twitter, buying fucking cyber trucks). If you want to stick with Nasdaq without the IPO retail bag holding consider DFUS or something that does add the IPOs with the new rule change. Some other discussion here: https://www.reddit.com/r/investing/comments/1sd0x3g/avoid_fast_track_ipos_while_keeping_broad_passive/?solution=b01a01fb9983307db01a01fb9983307d&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da5861b0f0cec01367a79087a4f23d0743f855
Now look at how VTI or VOO have performed since 2018 and ask yourself why you're still trying to pick winners
WTF! Just do a simple 2-fund portfolio with Vanguard. They offer fractional shares for their ETFs. - VTI with 80% allocation. - VXUS with 20% allocation.
I recommend VTI and VONG. Not SPY or QQQ, expense ratios are too high in my opinion.
With ETFs, you don't need a portfolio. Invest in VT or VTI. For more info, go to r/Bogleheads
Just VTI and chill. Easy and reliable. At least you’re in your early 20s. There are plenty of people in their 60s and 70s with their life savings in a savings account making 0.01% interest. Or, all in bonds.
you need to get off of this subreddit and find a different one. VT, VTI, or VTSAX set it and forget it my guy
Market is only down 5% from early February. Before jumping in can you handle a 10% drop? 15% drop? 20% drop? Not saying those are going to happen but there is a very real possibility it can. I'm staying invested and only selling to tax loss harvest. I buy VT, if it goes to shit I sell, take the loss and immediately buy VTI and VXUS. The world is insane right now, so I expect and know there will be much volatility. Just have a plan for it.
Good for you. VTI is effectively buying the whole US market. Its performance is about 12-13% CAGR over the last 10 years. Definitely above average! My own performance is about 15% CAGR. I’ve been very careful in the past as I don’t have much time, so only about 2-5 entries or exits per year. I’m interested in testing with this new method, hence the ask to the group for input. But mentioning AI seems to have invited a lot of negativity. Anyway, thanks for your input and good luck!
I buy VTI every two weeks. It’s gone fairly well over the last ten years. Most likely better than your cumulative performance. And I thought of that with my own brain, I didn’t have a computer do it for me.
I buy when it's high, I buy when it's low. VTI is my second or 3rd largest holding
just so the numbers are visible: DFUS = 0.32 expense ratio; 10.6x higher than VTI
Well only the nasdaq index is changing its rule Other index funds like VTI have always added new IPOs very quick.
VTI or the index it follows has not changed rules, however the rules always add new IPOs fairly quickly so VTI has always done what the nasdaq 100 is changing to
VTI did not change its rule, but it always added new IPOs pretty quickly
Just think if you had put the 10k into VOO/SPY/QQQ/VTI 3 years ago
Would this impact funds like VTI?
VOO and VTI aren't fast tracking these stocks so then it would be irrelevant.
You think the strait will be reopened soon or is VTI and chill gonna turn into SCHD and chill?
COVID drop was my wake up call too — that's when I stopped overthinking it and just started buying consistently. But the thing that really changed the trajectory for me was real estate. It gaps up your net worth in a way index funds just can't replicate — not because the returns are necessarily better but because of the leverage. A $100K down payment controlling a $500K asset hits different than $100K sitting in VTI. That said index funds let me sleep at night. Real estate made me wealthy faster. I don't think it's either/or — they just do different things at different stages. There's a solid handful of real estate strategies you could deploy and really gap up within a 5 year span, or even sooner. Have you looked at RE at all?
Utilizing derivatives and taking up short positions is kind of the antithesis of VOO/VTI and chill. That is what is pissing people off about this maneuver, as on the surface it looks like insiders are trying to leverage these relatively passive investors.
I thought the accelerated inclusion and increased weighting from smaller float stocks was only an issue for QQQ? Maybe I am misunderstanding something, but wouldn't other funds like VTI not have the same issue and still allow longer price discovery periods?
VTI. Keep buying it every time you have extra money and don't ever stop buying it until the day you retire. NEVER SELL
Thank you Majority of the people commenting are just rewording my post and saying don’t buy for dividend, buy for growth I was definitely being dramatic when I said it’s got me no where. As I am definitely up in my purchase price but some of them are up by $30 and some are up by $600. No matter how much they’re up I’ve always collected a dividend. I think one of my biggest issues I’m coming to conclusions to is my inconsistency with investing as well I’ll have a look into VTI! My biggest growth etf is dhhf and I was looking at ghhf. I understand there pretty much the same thing but ghhf is geared and wondering where I should be. I’ve concluded the possibility of being 50/50 would be safe?
It is my understanding that the change to allow Space X into the NASDAQ index was to get Space X tading in on the NASDAQ exchange. Other indexes did not necessarily follow suit because there was little benefit. I don't think VTI has changed its rules so Space X will become part of the index using the same process any stock would. Someone correct me if wrong.
Doesn't VTI follow CRSP US Total Market Index? I thought they already fast track IPOs and add them within 5 days. I'm not sure what percent float they require.
New rules won't effect VTI immediately, the fast tracking will happen on the Nasdag so unless you're holding QQQ or the Nasdaq 1000 you're not going to be effected. Also VTI is very well diversified it's top holding is NVIDIA at 6%, SpaceX could be added then immediately go to $0 and it wouldn't have a massive effect on the ETF (although that scenario would inevitably mean something is wrong with the market as a whole)
If I were advising my own kid, I’d keep it very simple: Open a Roth IRA first. That tax-free compounding over decades is a huge advantage at your age. Then just buy the market (something like VOO or VTI or an S&P 500 fund) and invest consistently. Don’t try to pick stocks early, you don’t need to. Set up automatic contributions and let time do the work. That’s the real edge, time in market. You’re not trying to get rich quick—you’re building a system that compounds for 30–40 years. Do that, don’t stop, and you’ll be way ahead of most people. 📈. Congrats on getting started 👍🏼
Consider switching from VTI to DFUS by Dimensional Funds. One of their principles is to not add IPOs within the first 12 months because there’s empirical research showing IPOs underperform in the initial period. Otherwise DFUS intends to more or less replicate broad US index funds, but with various tweaks that aim to modestly outperform it (such as the waiting period for IPOs). Avantis may have a similar ETF offering, but I’m personally only familiar with Dimensional
VTI, VXUS, BND, BNDX - Vanguard version ITOT, IXUS, AGG, IAGG - iShares version In order: Total US Stocks, Total International Stocks, Total US Bonds, Total International Bonds If you get a target date fund at Fidelity, Vanguard, or Schwab, it puts you in a combination of these. Schwab is slightly different in that their target date funds don't use international stocks from developing nations (only developed) or international bonds.
Roth IRA is the right instinct, max it out every year, put it all in VOO or VTI, and don't touch it until retirement. That's genuinely most of what you need to do at 20. Starting now with even small amounts gives you 40+ years of compounding that someone starting at 35 can never catch up to. If your employer offers a 401k with any match, contribute at least enough to get the full match first, that's free money. Beyond that, a regular brokerage account with the same index funds works fine. The strategy isn't complicated: Roth IRA → index funds → don't panic sell → repeat for 40 years.
Well, VTI is up 53% in the last 5 yrs.
I do not have a plan for April 2026. I’m going to continue to buy VTI once a month and continue to direct my 401k to the best available S&P500 index. My plan is to remain consistent. If the entire market crashes, so be it.
Open a roth, max it if you can. Put all of it into VTI
The TDF OP mentioned appears to be a CIT with a 0.075% ER, maybe a couple of basis points higher cost than DIY-ing an equivalent out of VTI/VXUS/BND? That’s a pretty negligible cost difference.
Why not something more diverse like VTI with some international exposure through VXUS
What are they recommending? You have everything in equities, the BlackRock index is basically an S&P 500 fund that is way more expensive, and the MFS fund is an expensive growth fund. You should probably just sell everything except the Vanguard Intl and move the rest into VTI/VTSAX which is the Total US Market.
Yeah buy ETFs like $SCHD $SCHG $VOO $VTI
I don't know where you get your information from but I see investing as two camps. Those trying to make money quick and trade on momentum (The rabbit). This can be done but the runway and staying power is short. Or there are those that invest in the long haul and realize that there is a mean reversion of expected returns and to minimize risk and increase the reward, you buy low cost index funds, set and forget and let compounding do it's work. I can speak to this because I am retiring very shortly in multimillionaire territory because I learned early on I can't beat the market. I also made more money this way then any of my stupid, short term decisions or get rich quick. If you don't want to work hard to make money and want to make money passively, just do it this way. VOO/VTI/Vxus and keep on buying.
>Choosing QQQM is not some completely different idea. It is the same basic choice, just taken one step further. Not really. Normal Bogle philosophy *does* suggest an international allocation, but to the extent it's still US-centric, it's not a bet on US growth specifically, but rather to remove currency risk. In other countries, the Bogle recommendation is to go heavily into *their* native VTI-equivalent. >Then it is reasonable to argue for concentrating in the Nasdaq-100, which is made up of many of the most profitable and scalable companies in the country. Except that the top of the NASDAQ is already very expensive *precisely because* everyone understands that those companies are scalable and profitable. And everything you said could have been said 30 years ago about the companies that then topped the market: GE, Shell, Exxon, etc. You could make a really strong case then that energy was the future, and so anyone betting against those already giant and profitable companies was being dumb. That prediction was wrong. Yours is likely to be, also. The market has always seen churn, with different companies rising to the top. You're the one betting that cycle is going to end, and you're not really making a strong argument that way. But I know I'm not likely to change your mind. If you started investing over the past 10 years, you've only seen a QQQ-dominant world. It's hard to imagine that ever changing, I know ... but people in every age have thought that and they've all been proven wrong by time.
As others have said it’s over complicated. 80% VTI 20% VXUS It’s a tidier easier buy and forget portfolio you can just keep adding to
I am going to get a lot of heat for this but crypto. Was able to run about 2k to just short of 3 million over 7 years. Would not recommend it to really anyone and fully recognize the majority was pure luck. Divested, paid my taxes, and jammed it into the VTI/VXUS.
Many, but I'm no oracle. Been investing in copper mining( SCCO, FCX) for ~ 7 yrs now which has done well. Thesis for that is more copper needed for electronics and cooling in data centers. Threw some money into Google in 2015 mainly due to their heavy investment in SpaceX and given that SpaceX was/is not publicly traded yet, this was a giving me indirect exposure plus it was still Google Invested in Gold and silver specifically IAU and SLV along with physical due to my lack of trust in the fed reserve, monetary and fiscal spending/ policy and doubled down even further in 2014 as Japanese carry trade was highlighted as a huge risk and still is. For that matter I've also put some "spare change" knowing it's risk and volatility into Bitcoin and it's associated ETFs due to the same reason because excessive government spending, debt levels, inflation risks, and an onslaught of Eastern powers aligning (BRICS) and trying to weaken the US dollar. Gold and silver I think in the short term are a little overbought currently with a huge run up lately. Meanwhile Bitcoin has lagged behind and I think when/if the war in Iran lets up I think that sends Bitcoin on its next run up with it being very oversold in the short term VOO/VTI/VUG and chill. Most of my money invested is in S&P500 based ETF's and index funds. Slow and steady wins the race and investing here allows me to take some chances with individual equities elsewhere
Studying first before investing is definitely a smart move. But if you want to start, even $5-10 a month in an index fund like VOO or VTI can build great habits. The earlier you start, the more time your money has to grow!
If you are younger and investing for long term (decades - no need for the money until then) then I'd stick with SP500. For someone under this scenario, why would bonds help you if they dampen downturns, but sacrifice upside gains? It's like saying $500k portfolio down to "only $475k on dip, but recovering to $550k is better than $500k down to $440, but then recovering ot $600k. VOO and VTI overlap quite a bit and historical performance is near identical. International underperforms in the long run. There is good reason for this - VOO has high concentration of growth; but international has higher concentration of mature.
Yes, still doing it and haven't changed my approach. For Australian investors the equivalent would be VAS/VGS or VDHG, and for US the classic VOO/VTI approach still makes sense as a core position. The data consistently shows that market timing underperforms systematic DCA over long periods, even when entering at what appears to be a bad time. The volatility we're seeing is noise if your horizon is 10+ years. The key is maintaining your allocation discipline - the investors who blow up are those who stop buying during downturns and then chase performance after the fact.
I honestly think it's going to get worse. Iran has a stranglehold on the Strait, and Trump can't even walk away from this, he has to escalate to try and re-open it. I have \~350k in cash, but I'm not selling my current holdings (VTI + GOOG). I'm looking at MSFT if it keeps dipping further.
I don't trust myself at the level of individual stocks, but VOO and VTI seem to be go-to's. That said, all the big ETFs and mutual funds have the same magnificent 7.
My recurring buys in my Roth are 40% VOO, 15% SMH, 15% VXUS, 15% AVUV, 10% AVDV, 5% IAUM. For cash brokerage it’s 40% VTI, 25% VXUS, 20% AVUV, 15% AVDV.
Mid 40s and sitting on about $750K in SGOV and another $100K I planned to put into the market. I set some levels to buy at and am nibbling VTI and VXUS. I know I’m not going to catch the bottom and I think we have another 10% to go but rather be in the market than miss upside. I’m still positive YTD.
I would not touch them with a ten foot pole. Fees are ridiculous, the tax-loss harvesting opportunities dry up over time, and you are stuck with a portfolio of nonsense. This just way over complicates something that should be simple. You can invest in low-cost, low turnover, broadly diversified index funds and use the dividends to pay taxes. I would split it into broad US funds and international -- you can get the foreign tax credit for dividends paid out of international funds -- and leave it alone. If you are interested in tax loss harvesting, you can do that on your own without paying fees. Turn off dividend reinvesting so that you don't run into wash sale problems. Sell at a loss, and take the funds you get from the sale and buy something similar but not identical. Example: your VTI has posted losses. Sell the lots with significant losses and use the proceeds to buy DFUS or AVUS or SCHX. I love Fidelity but they are selling you a product designed to help them more than it will help you IMO. If the market helps out, you could be looking at retirement in 7 - 10 years if 2 million is your goal.
I personally like VGT. It’s has concentrated exposure to NVDA, MSFT, AAPL. VUG is good too. They are both considered more aggressive than VOO, VTI but still much much safer than individual stocks, options, leverage, etc.
I’m just buying quality/tried and trued ETFs. It’ll bounce back eventually, and ETFs like VOO and VTI are very low risk in getting into a downturn, in my opinion.
I’m an advisor so I’ll get downvoted. Nobody is asking you any questions, just giving you random advice. Do you have any experience investing? Sounds like you don’t. You’re a single mom, do you have time to figure this all out right now?? Again, my guess is no. 0.5% is 500/year, taken out of a pre tax account. What’s your time worth? Also, what people aren’t saying here because, frankly, they don’t know, is that there are more legal protections in a 401k than an IRA. Does your current employer have a 401k? You could have them help you roll it into that - cheaper than an advisor but there are still fees. My advice, presuming my assumptions were correct, roll into your new 401k if you have one available. If not, hire the advisor for a few years BUT ask lots of questions in your reviews!!! Take some time to learn, and in a couple years, if you’re comfortable, manage it yourself. You can totally self manage, it’s just whether you can spend the time to learn. And VTI and chill is not a cure all - go check out the boggle heads sub and see them freaking out the last few weeks. You need a portfolio tailored to your comfort level - whether or not the fact is that you can handle the volatility at your age. My goal for my clients goes in this order: sleep well at night > don’t create a tax problem (doesn’t apply here > earn a good return. A good advisor can talk you through all this. A bad one will take your funds and never call you again. (I’m not here to pickup a client - you’re below my minimums anyways. But I am happy to help if you have questions, my mom was a single mom and so is my sister. I haven’t lived your struggle but I’ve seen it!) good luck!
VT for exposure to the entire world. VTI for all US stocks VOO for all large US companies. Majority of people in This investing sub or Boglehead sub would pick either VT or VTI to chill. Any of the 3 would be good/great choice.
VT, VTI, VOO ?????? Which one is the chillest though?
I recently turned 18, and have around $35,000 to invest. I have a car, like $200 debt (credit card which i obviously pay off in full monthly, and am currently unemployed (I quit my job not so long ago I'm wondering what the best course of action is at this moment (PFL below) I have $7,300 in a ROTH IRA (maxed) I have $14,000 in RobinHood stocks ($8,400 in VTI) ($2,700 in VXUS) $2,300 in a personal stock investment (LBRX) I have around $10,000 cash in my room as well (bad idea I need to do something with it) Should i continue to invest? Move my stocks around? Take out of stocks? ALL Tips are welcome, thank you.
Or look up the concept behind “VT and Chill”. “VTI and Chill” is good as well
VTI and just relax. I kept overthinking this and finally just put $100 into VTI. Now I just auto-invest $50 every other week and don't think about it. I started about a year ago.
Agreed on all points here. It honestly hurts to see the all time chart but those accumulated over time (except today I spiraled and lot 5k) That one hurt bad. My Roth is doing great because I only have VTI and VOO and in comparison to my ODTE it makes me cringe I’ve wasted this much money. I posted this because I want other to see before they spiral too. Luckily I’m blessed with a good job and can recover just fine but still, 10k loss is a ton of money
SPY is fine, but I prefer the more diversified total US market ETF like VTI. Since SP500 is 80% of the total US market there is not a huge difference between SPY and VTI but I prefer the slightly better diversification. And you should also have some international exposure like VXUS or IXUS.
See r/bogleheads I have done backtests on many complicated portfolios suggested by financial advisors. They all end performing pretty much identical to the simple 3 ETF portfolio recommended by Bogleheads: 1) broad market US stock market ETF like VTI or ITOT or SCHB, 2) a broad market international stock ETF like VXUS or IXUS, and 3) a broad bond ETF such as BND.
Spy PUTS. Honestly I’m done, I’m taking this L because I know it can get way worse. It was those random pumps that killed me then panic sold. I’m gonna just continue buying VTI
So what should passive investors be doing? I need to do more research of course, but what's the goal here? Different types of index funds? How can we relatively track a similar pool of stocks like I do with VTI for example?
We have survived worse and the market then hit new highs. We have gotten through 2 world wars, the Great Depression, the great financial crisis, the Nasdaq crash, etc., we will be fine. Bought VTI options on Monday for 2028.
Your hesitant... understood. VTI doesn't really need any Hedging, yet 200k in an ARQ fund... historically will still make more than cash in a bull/neutral run and Always better during Bear times . Run them...
So you investing all hot tech stocks and want to continue to perform this well consistently? Probably not possible as this is high risk. Last few years for tech have been great, but that does not mean it will be the case moving forward. It seems to me you want safer, and that might mean more diversification. If you invested in a tech ETF, something like VGT, where professionals balance and attempt to have some diversity, would you feel more comfortable, or are you trying to play it more of a VTI situation and very same and diversified over many sectors? My take is your gut is right, it is good at this moment to be safe. Take your gains, set aside money for taxes. Diversify across industries and assets until the world is on better footing, which may be 3-4 years, but you'll still be making respectable returns in VTI, possibly with some bonds mixed in just in case. Depends on your age on if you touch bonds or not though!
Lots of people (especially here) will call you dumb if you do anything but 100% passive investing into VOO/VTI. As someone who also likes to have fun and try to "beat the market" from time time my suggestion is have a fixed amount of your portfolio in indexes (\~70% is my personal number). The rest you can invest with as you see fit. Just avoid option trading and the riskier the position is, the smaller the position should be. Focus on blue chip companies, avoid biotech and don't invest in companies if you can't easily explain what they actually do.
Hard to say, especially with you taking a year off and the geopolitical risk we are all facing right now. You are very exposed to US tech stocks given that the mag 6 are around 20% or VTI plus your AAPL position. You also have no non-US investments. I like to keep 35% of my equities position ex-US. VXUS is mainly what I keep. If it was me, I’d probably keep what I might need in for my sabbatical in the HYS then I’d dollar-cost-average into VXUS to get more diversification.
I don't know, I also do not own any nasdaq 100 funds so this largely will not affect me. The funds I hold like VTI will include this like any other IPO like it has always done.