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
When you are young you can stand to take more risk. That said, consider investing a significant portion in an index fund like VOO or VTI.
Bro start a Roth IRA and put your 300 into VTI every month and you’re set. Youre doing too much. If you max out your Roth every year and still have more money, then pick a few stocks. Not this many.
You're right that concentration of wealth creates market distortions, but be careful about jumping into "manipulation-proof" alternatives without understanding the tradeoffs. Crypto markets, for example, often get pitched as decentralized solutions but actually have *worse* manipulation problems - lower liquidity means whales can move prices with smaller amounts, and there's basically zero regulation. I've seen plenty of people lose money chasing "fair" markets that turned out to be even more rigged. The reality is that broad market index funds (VTI, SPY) are actually pretty hard to manipulate because they represent thousands of companies. Individual stocks? Sure, those can get pushed around. But if you're worried about billionaire manipulation, ironically the "boring" diversified approach is your best protection - it's really hard to manipulate the entire S&P 500. Focus on what you can control: diversification, low fees, and not chasing whatever's trending on social media.
Im thinking of selling PLTR. I have 100 shares. I got it roughly at $30 per share and it’s at about 146. I don’t plan on buying any more. It’s not like I’ll get rich off of it. I’m still new to investing. I’m considering using that money by putting into VTI. I could also do options on PLTR? Should I sell or keep it in Pltr and if I sell does it make sense to put that money into VTI. Would appreciate advice
We've all been there at some point (sold my palantir at 35-y3ah that still hurts), but you learn as you go. Ive found with VTI (and (VOO) that these are ETFs you wanna be in for the long term I.e retirement. Still, this market is so stupid, it doesn't even follow economic theory anymore and is so detached from fundamentals that im just drip feeding long term plays rather than starting any new positions.
I just patiently watched VTI in my IRA ebb and flow. Glad I didn’t spaz out. Pretty happy with the outcome.
Many like real estate because it generates a steam of mostly inocome. But you also have to take care of maintenance issues taxes and mortgage payment or renter issues. So in general a lot of work. Now there is a way to generate monthly income without maintenance mortgage and renter issues issues . Dividend investing is simply investing and holding a fund that pays dividend. A Dividend is basically profit sharing for shareholders of a company The company pays out monthly or quarterly an equal ammount of cash to each shareholder. You don't to sell share or do anything. Some funds out there have been paying dividend for 40 years or more nonstop. What to o with the money issimplyPay taxes \\ and what to do with the money. for example for 100K invested in a fund paying 5% yield you would get 5K in cash a year. Some rivets the money and other use it to over bills and other expenses I like the ETF SPYI for this because it is tax efficient (you pay less in taxes on the dividends you recieve. And the yield is about 12%. Or you could invest in government bonds that currently pay about 3.6% yield. The other investment option is to simply invest in growth index ETF like VTI and build up aprotfolio that pays a dividend of 1 to 2% which is tiny. Because the dividend is so small taxes are not really a concern. But to get any money out of the investment you have to sell shares and you may have captial gain and pay taxes or you sell at a loss. Now you can only sell shares once.
In taxable at least splitting VTI and VXUS allows for some foreign tax credit off VXUS, which VT wouldn't give. Better argument to use it in Roth but I'm a big fan of the Zero funds too so no harm there. Agreed about international though. 60/40 would be best, but at least do 70/30.
You can just buy nbis on a pullback and set chil. If all goes right, will nbis will outperform VTI
I've held a small position in VTI, 75 shares, for 4 years and am up 145%. Wish I would have bought more but I am definitely not complaining about my return.
Ciao a tutti, sono ignorante, qualcuno mi spiega perché se si entra alto in VTI e questo scende, poi quando si va in pari si esce?
Conversely, I switched jobs in 2019 and had to put my 401k into my IRA right when Covid crashed the market. Great timing. I bought 1000 shares of VTI at $128 a share, and threw the rest on Palantir at like $12 a share. Quite happy I switched jobs. I retired 2 years ago, but not from those alone. I started investing in 1984 when you had to call a broker and mail checks to them. Etrade opened in 1998 and I started using them while still putting $150 a month into my IRA. Biggest difference with Fidelity was I could do it myself after 2000(?) without any fees. Time IN the market trumps everything when it comes to the ETF’s and the big stocks like MSFT, GOOG, AMZN, etc. I retired completely at 58.
Don't time the market if you aren't an experienced investor. Use "dollar cost averaging." Split your 80K into 3K blocks, and invest one 3K block a week over the next couple of years. Don't worry about the timing, just stay disciplined about investing every week. Instead of VTI, I suggest VOO, which is Vanguard's S&P500 fund.
Great lesson to learn. Set it and forget it is great. You got a loss. If you find yourself messing around with your investments, then just set aside 1000 a year and play with that with your side stocks. Having said that, look at VGRO and VIG to compare with VTI
Google + VTI + QQQ is all you need. Had them since 2005.
VTI is $350 rn You're acting like you've missed a massive rally, but in reality it's only been 4%
Tried timing the market at $335? Like you tried to time VTI near its all time high? What
why are you trying to day trade with VTI? that was your first mistake....
This cease fire and open straight situation could fall apart by Monday. Or Thursday. The market is very volatile. Here's what I would do. Put the majority of the money into a CD or treasury ladder and keep some liquid in a money market and start doing regular buys at an interval. Timing the market is very hard. Depending on your time horizon, time in the market will beat timing the market every time. You could go whole hog and just buy some broad ETF's like VTI, VOO. They will probably be all over in the next year or 3. The current US governance is erratic. How much long term damage is being done is unknown. But I think at some point the US will get back on more stable footing. I'm not a financial advisor, just a dude, for what its worth. Also, you managed to preserve your money and not lose it, so thats a feather in your cap, don't beat yourself up about it. FOMO is bad and panic is bad. Time in the market is king. If you have time you will make money. But you have to be able to be patient.
Why try to time the market? So many stories here like this. Play the market long. Are there periods of volatility - yes but that is when you buy more. Look at a five year chart of VTI. You bought and sold on opposite sides of the V. If you would have waited longer VTI sits at $351 Stop trading and trying to time the market. Try buying and holding! Buy more on dips and you will be much better off.
Don't try to time the market. It's a fool's game. Lots of people got out earlier this year when things looked shaky, and missed the recent upturn. Just to be clear: a crash is *absolutely* coming. But you don't know when, and neither does anyone else. Keep holding and regularly investing, and you'll get more ups than downs. That being said, if you have short-term goals such that a crash would hurt, you should be in more conservative investments anyway. If your goals are all long-term, just keep holding. I'd recommend more broad index funds: VTI, or even VT for international exposure, rather than trying to pick your own winners.
How old are you? Not being sarcastic but I would have thought a stock like VTI is for long term and riding out the troughs. If you can stick it for 10 years, I think you'd be better off looking long term. If you want to "gamble" then decide how much you can afford to play with and try and choose a Sandisk or a Palantir. Trying to buy the dip can work but it is as much luck as skill for most of us mortals. Be a Tortoise, slow and steady wins the race. Sure Hares are more glamourous, but also a lot more susceptible to roadkill.
Then why did you sell? Or care about market swings when it’s all in VTI anyways? Even a 20% downturn on 80k would only be down 16k that’s barely 5% of your total worth and the market being down 20% would present a huge buying opportunity anyways
Do what most people with high net worths do: 1. Put as much money as you can into broad index funds (usually $VOO, $VTI, or $VT). Try not to ever touch it, no matter if the markets are red or green, until you retire or have enough to invest in yourself (i.e. buying a home, funding education, etc.) 2. In-line with point 2, keep enough cash on hand so that you never have to touch your index funds. Compounding is an exponential force and stopping it can be more costly than having low to negative real returning cash on-hand if you lose your job or life happens 3. With a small portion of your money (say 1-2% of NW), invest in individual stocks. My favorite is taking some speculative picks on unloved sectors. I've been following the markets for years and have found there's moments nearly every year where the street gets bearish on a sector of the market and throws out the baby with the bath water. This year to me, it seems like software. Making one good pick per year is plenty - no need to be a hero. If I fail, well, the S&P is still probably reaching or near all-time highs, so I'm good
I once sold all VTI in Roth to buy puts. Lesson learned. Never again. This time I just bought each week during the drawdown
Starting to think I maybe shouldn’t have sold all my VTI
You learn from your mistakes. You can never perfectly time the market when you’re ready to invest. Instead, you should buy during market dips, and each dip will be different from the last. However, you should never sell out, regardless of where you purchased your long-term investment, VTI. I was fortunate enough purchase a significant dip during the Ukraine invasion in April. But when will that happen again? But if it happens again I have some extra cash on the side that I can use to do it all over again.
New ATH's for $VTI (US), $VT (World plus US), and $VXUS (World ex US). Pick your flavor. Just don't be 100% in cash when all the world CB's and governments crank up those money printers to go Brrrrrrr
If you've invested in a solid etf like VTI, you've simply mis-timed the market. What will determine a loss vs a gain is when you pulled out. The market will go up, eventually.
This is a stock group; but retail shouldn't really be 100% in individual stocks. Think of your portfolio as building a house. You bought $VTI and $VXUS. I would rather time the bottom on those 2 than individual stocks b/c they are acting like the foundation and framework for your whole portfolio going forward.
Right? I’m only holding a few thousand in cash (aside from my usual savings) on the chance the market falls rapidly after this upswing, but I at least bought enough VTI and VXUS on March 30th to be reaping some decent benefits at the moment. Out of individual stocks until everything calms down a little.
I would just buy back into VTI and set/forget.
This might be the dumbest thing I've done but if we end green I'm selling all my VOO and VTI and putting it into cash over the weekend. My balls are tingling and that usually means mango is gonna tweet something dumb and ruin all this green.
Or 3 years? [Look at the graph](https://testfol.io/?s=4bUnr8ZZWZR) VTI, with dividends reinvested, which is the way to evaluate an investment, return above 100 in April 2011, traded there for a while, had another hiccup, and by 2012 was above the 2008 levels. And all the [lost decade](https://testfol.io/?s=3qAMOem86Cj) talk ignores the stock market went up 5 times during the 1990's, and 2012 was substantally higher than 1/1/2000. No, people don't need bonds in their portfolios, so they don't need TDFs. The only thing bonds have done in the 2000's is returned .06% above inflation for the [constant investor.](https://testfol.io/?s=iUcZFO3lfIl)
Hi all, I'm 30 living un the US. I make approximately 120k annually. My goal is retirement savings. I won't need the money until I retire and it will sit in the market until then. I don't want it to be super risky and loose it all but I still want a nice rate of return. My current holdings are VOO (about 15k), VTI ( about 5k), VXUS (few hundred dollars). There are no big expenses or debts expected. Do i continue to only put money into VOO or do I add to VXUS? I bought VTI as a kid and didn't know what I was doing. Will not be buying more. Any advice is appreciated. I don't want to sell anything or realize and gains just yet.
Luckily you’re young enough to earn it all back AND MORE!! I started at 22 investing $500 a month, maxing out my Roth, and when I “made it” in my late 30’s I was investing up to $10k a month. Now I’m 45 and my portfolio is managed by Fisher Investments, WELL worth their amazing fee structure when they have given me 20% gains like clockwork, and even in 2020 and 2022 given me a nice 10% return. They manage about 70% of all my assets, but it’s substantial. The other 30% is split up evenly with $200k in a high yield savings account generating a SAFE 3.8% APY, $200k in physical precious metals (30% Gold Eagles/70% Silver Eagles that I started buying up 10 years ago when 1 silver piece was less than $10) that are literally in my safe and something I will pass on to my children $200k in my own Individual investment portfolio that I see if I can “Beat Fisher” with and I never can but it generates a modest 9-11% return $100k in Bitcoin, ETH, Solana $100k in “outside the box” investment opportunities like Fundrise which I had $50k in that turned into 3200 shares of VCX along with the max $10k purchase of unrestricted shares that I placed a limit sell at $500 and got 100% lucky with and made $250k, along with a Wealthfront AI “automated account”. You’re still VERY young!! But like one poster on here said you ARE gambling, and you need to RESET and get back to work investing $500 a month into VOO, QQQ, VTI, VT, SCHD, SPMO, just google the best ETFs to invest in. Do that until you’re 30 and let that shit continue to compound. Live a frugal life and try to up your monthly allotment to $1,000 per month. And lastly, looks at this as a tax harvesting moment where you will be able to use this loss over the next 10 years to deduct $1,500($3,000 if married) from your earnings. This was a lesson. You were doing the smart play but you got caught up on literally gambling. You’re fine, now get back to work and invest responsibly!! You got this!!! 🙌🏻💯
I'm 10 years from retirement and have done so well in recent years, I am choosing to sell to ensure I actually get to retire in 10 years. Sold all 1400 shares of AMD at 279 a few minutes ago. Proceeds going into VTI. Not cutting stocks, just moving to ETFs and less volatile names. It's still a form of fear, but it also helps me sleep.
BND is down 0.4%, while VTI is up 2% YTD. But if we'd looked on March 30, VTI was down 6% YTD, while BND was down only 1.5%. Unfortunately they're not negatively correlated, but the bonds ARE showing lower volatility, which is supposed to be part of the appeal, right?
Buy VTI and VXUS on a routine and live your life. The rest of us read about this stuff and try to beat the market because it's fun and sometimes profitable.
That's not what the analyzer is showing, at least for VTI. [10 years, VTI $1K Monthly](https://testfol.io/?s=eS8MtOC1tTa) That's $260K. [10 Years, $12K Annual](https://testfol.io/?s=imv1eV4rwSg) That's $275K. Most people accumulate via DCA in a 401K. But again, all evidence is to invest sooner rather than later.
I’ve invested most of my money years ago, mostly VTI. Been rebalancing some into VXUS, but don’t have the stomach to make it a major part yet. I agree with you regarding the Dems…they put identity politics front and center, it’s the reason we have a gangster president now.
Bought VTI at the bottom of the dip, feeling warm and fuzzy. `¯\_(ツ)_/¯`
I was planning on ignoring his ignorant, smart ass reply. I didn't even suggest buying $VXUS b/c the question asked was b/w $VT or $VTI. Based on what the original poster asked I suggested $VT. Now yes I do own $VXUS and its my largest position; but I also own $VT and if I am asked which of the 2 I'd recommend b/w $VTI and $VT it's $VT b/c 1, that's what I own ; and 2, if you are just buying 1 ETF why not get exposure to the US & World over just the US?? $VT is over 60% US stocks anyway as you mentioned above.
>The person said "world stocks have outperformed US stocks for over 1 year now". Nope. [Since 1st January 2025, VTI is up 20.05% while VXUS is up 45.45%. That is over 1 year.](https://totalrealreturns.com/n/VXUS,VTI?start=2025-01-01&end=2026-04-14).
>Don't listen to the above, that's not true. Do your own research. [1-Year Total Return - VTI up 31.25%, VXUS up 40.81%](https://totalrealreturns.com/n/VXUS,VTI?start=2025-04-14&end=2026-04-14) >Invest in what you want, but never bet against America. It's a great way to lose money. 63% of VT is allocated just to the US. How exactly is investing in it betting against America?
That’s what emergency funds for. You shouldn’t invest or trade that. I have 12 months of emergency fund. Every other dollar goes to VTI/VXUS.
Would you guys recommend VT or VTI? I have a lump sum to put in and hoping to minimize risk. Thanks!
Oh wonderful! VTI till I DIE. My 2nd largest holding.
1st pay off debt 2nd take 20% of what’s left and put it in HYSA or SGOV 3rd take 10% of the remainder in individual stocks 4th, dump the rest in 5 or six equal injections into VTI over the next few weeks/months depending on market conditions 5th watch rates like a hawk and refinance when you have the opportunity. DO NOT take any cash out when you refi.
This is my opinion, don't put too much weight on it. I personally think most humans are capable of identifying a good company that provides a necessary product that people would otherwise not like to live without. The PROBLEM is that only a fraction of these people are capable of being PATIENT. Patience is really key to making a lot of money with individual companies. I'm talking about real wealth generation, not making a few thousand dollars and being overjoyed about that. For said wealth generation, patience is key. But the problem with patience is - you don't want to be stuck with a crap company that *may* deliver big, while a DCA method into a sexy index fund like VTI/VOO is chugging along and giving you 7-9% yoy when looking long term. There's beauty in such a simple DCA approach as well, sleep being one of them.
My Emergency fund is 100% SGOV. About a 12 month. I dip into it when market goes down. using sgov vs holding VTI ia dumb
VTI and VT nearing all time highs. Paycheck DCA indeed
Multiple reasons. But I'd also like to point out that it's conventional wisdom at this point to recommended index funds like VOO or VTI. And for good reason. I highly recommend you check out the boggle head subreddit. You'll learn alot about how to properly invest money. One very important reason that I'll mention is that it’s basically built in diversification. If you buy the market (via VTI lets say) you will do as well as the market. If you buy individual stock you have an extremely high chance of underperforming the market. The majority of portfolio managers don't beat VOO. It's also 10 times easier to "VOO" and chill and not have to watch your accounts or individual stocks.
VOO VTI S&500 MSCI WD I’m a boglehead so I don’t really care about these temporary movements
Just put as much money as you can however you can. You said you’re in a high income bracket, max IRA, max 401k pre and post tax, anything else you don’t spend just dump into VTI or similar. You’re overthinking this whole thing.
This! DCA is mostly for index or broad market ETFs like VOO and VTI. Not for stocks.
Well I maxed my ROTH a few weeks ago and put it all in GOOG and that’s gone up a decent amount in the last week. I’m mainly invested in VTI, NBIS, CHPY, and AVUV.
One of my accounts is 100% VTI, 55% of my gains for this year are from today alone.
Forget those "business" ideas. It's obvious you could make 6% on that money by paying down the mortgage. You could put it into an S&P 500 index fund and PROBABLY double your money in 8 years. That's obviously not a guarantee, so keep that in mind. We could have a recession and you could actually be down, right at the time that you need the money. Typically the "VTI and chill" philosophy is valid for longer time frames, but is risky with only 8 years to work with. The safest route is SGOV which would only yield 3.5-4%, but is basically risk free. It's probably the best place to "stash cash" that you might need quickly, but earn a fair yield until then. It's also a great choice for your 6-12 month emergency fund.
It’s up 1 percent today. That’s not going to make a difference in the long run. If you want to stay in VTI, just buy it again. Pretty low consequence mistake
Starting at 20 with a 401k match is a massive head start. Since you have 5k ready, I'd suggest looking into a Roth IRA alongside your 401k. For learning the ropes, check out the Bogleheads wiki or the Investopedia guide for beginners. It's usually best to stick with low-cost index funds like VOO or VTI while you're still learning. Don't rush into individual stocks until you understand how to read a balance sheet.
My returns on VXUS are double my VTI returns.
I think you have that backwards. $VXUS + 9.6% YTD. $VTI +2.1% YTD. World ex US has outperformed World plus US for over a year now. It's the DXY devaluation trade. Inflation is worse in the USA than most other countries due to USA leading the world in money printing goes Brrrrrrrrrrrrrrrr
VTI ahead of VXUS YTD…
They don’t manage it differently. It is the same basket of stocks with the same exposures as the index it tracks. There isn’t a substantial difference. If you want to harvest the tax loss, sell a 500 index fund (VOO) and buy a total market index fund like VTI. Those are similar but different.
IRS says they must be “substantially different”. I’m not a financial adviser or tax lawyer, but in practice I interpret this to mean that two funds different indices are OK, two funds of the same index issued by different fund managers are probably OK, but two funds of the same index and issuer but different classes (eg. VTI and VTSAX are probably not OK.
So you made roughly 4% in a year VTI was Up 17%?
ngl if you've been stagnant for 20 years it's almost certainly from picking individual stocks, not from lack of a robo. a target date fund or a simple VTI/VXUS split would've solved that without needing SIP at all. the cash drag is the real dealbreaker imo — 10-20% sitting in mm rates while the market's ripping adds up fast over time.
Yeah you dont have this. Sell for VTI..
They keep way too much money in cash.. you could easily just do something like VTI and VXUS and be better off
If I had the money back in 2020/22 I would've been buying then but I was still in school. I started buying MSFT at $400 although kind of jumped the gun. That $360ish range was golden in my opinion given the earnings. And funny you say you put the profits into QQQ. My idea was maybe if I can get some easy returns, it all just would go back into VOO/VTI but we'll have to actually get there first.
this is the textbook definition of diworsification lol. VTI literally holds every single US stock that is inside VOO, VOOG, SCHD, VYM, and VIG. ur not covering more bases, ur just buying the exact same large cap companies wrapped in different packaging,personally i combined wth the private tech like vcx for exposure so you can just buy VTI and chill
I will not talk you out of it? What are you gonna do? Invest it all in VTI like a fucking loser and hope you retire at 93?
There’s a lot of overlap between these ETFs. Some people already suggested VT which is a great option to simplify all of this into one fund (minus the bonds). What’s your reason for the bond ETFs in there? Lower risk appetite? Shorter time horizon? I’d bring VTI and VXUS as alternatives to VT if you ever feel you want to have more flexibility over regional allocation between US and International. Here’s how those two look like in 70/30: https://insightfol.io/en/portfolios/report/6c1ebd63fa/
VOO and VTI are 90% the same. SCHD, VIG and VYM + VOOG sort of just mimics VOO when put together. 10% international equities is pretty low.
I’ll leave you with one example. VTI. Convince me that it does not contain any private credit companies. After you answer, I’ll go ahead and name one.
Cool, then if you've followed that flowchart and are ready to invest I'd recommend researching total market index funds like VTI and VXUS. Lots of discussion can be found on them on r/ETFs.
Go look at the volume on something like VTI. Everyone’s just waiting, digesting. Even the algos. Even the leveraged funds are relatively flat this morning.
Bogleheads or: How I learned to stop worrying and just buy an index fund. Stage 1: Sell because fear is high. Stage 2: Regret. Stage 3: Come up with some sort of complicated options strategy to earn premium to recoup the losses Stage 4: Options strategy loses you even more cash. Stage 5: Invest the rest back in VTI and realize that you should just do nothing and would've likely been much further ahead of where you are now.
Or more specifically, why should I retain my VTI holdings when it is likely Vanguard will comply with the IPO fast track rule?
Yeah I'd sell and just lump it all into VTI or equivalent index fund. There's no guarantee, but good chance that over 30 years, you'll make more than leaving it all in SpaceX. Maybe keep 10-20% if you think SpaceX will considerably outperform the wider market (very unlikely imo but what do I know)
A fund like VTI, should be a long term set & forget it. I wouldn’t be trading in and out of it.
Great job, the earlier you start the better! (I can speak from experience. Here's some advice I would give to my 20 year old self. Start simple, VTI and Chill, then go from there.
your edge is your age. put that 8% match in, keep emergency buffer, then auto-invest VTSAX or VTI and stop checking it...
Try reading more than 1 sentence at a time? > I went VXUS 12 years ago, 30% of the amount I had in my brokerage account at that time. The other 30% went to VTI. It's called diversification.
honestly this is like the classic “try to time the market” lesson, most of us have done it at least once. if you still believe in VTI long term, you could just buy back in and treat it as tuition for learning to stick to the plan. you’re young, this won’t matter much in 20+ years.
It sounds like ETFs will be a better fit. You can get the whole U.S. market with something like SCHB/VTI//SPTM and get the whole international market with VXUS. This way, if check your account and everything is down, it's just because that's how the whole market is performing today. You learn to see downturns as discounts for your ETFs, and buy while they're on sale. Buying and holding is less stressful and requires less discipline. You don't have to worry as much about researching companies or finding out too late that you still didn't account for some metric and how it related to other metrics and this or that headline combined with its correlation to some other sector.
i’m way more boring lol, like 90%+ in total market ETFs and a tiny slice for individual stocks just to scratch the itch. every time i try to get fancy i end up underperforming VTI anyway. keeping most of the roth in index funds feels like the safe move tbh.
Because they buy IPO’s very early compared to even spy. I’ve mostly been adding VT since last April and I’ll likely flip most of my Vti into Vt. We have at least a few months. We don’t want to own space x or open ai.. open ai is really a dumpster fire and that’s a huge reason Microsoft is under so much pressure. https://youtu.be/6a9L-3Hiobs Cheers! Why VTI usually gets IPOs earlier VTI tracks the CRSP US Total Market Index, which: Includes nearly the entire investable U.S. market Adds IPOs once they meet basic liquidity + float requirements Often brings them in at the next quarterly rebalance (sometimes sooner for big names) 👉 Result: IPOs can enter VTI within weeks to a couple months.
I started buying VTI a little while ago. Why are you selling it? Sorry, I'm genuinely curious because I'm still pretty new at this. Thanks!
I wasn’t clear, context is really that VTI tripled in 12 years while VXUS lagged until this year. Since I originally had exposure for international I am just going to keep everything the same.
Not a professional financial advisor. I’m assuming it’s a truly legit question, so I’ll give you a truly legit answer. You do not seem like the type of person who is going to spend most of your life studying markets and business nor do you seem like the type of person, once you have this footing to use, that will read through company reports well enough to make better choice than the majority of people who do it for a living. Therefore, you should not try to beat “the market”. Instead, just buy index funds like Voo, VTI, VXUS, or if you want the whole enchilada in one, VT. There are many other low cost options on top of those. By far, most people under perform the market long term. You very likely are not the exception.
But how do you know when to start adding VTI again or do you just wait plan to hold VXUS forever now? Personally I’m not interested in short term trading or swing trading my retirement funds based on how I perceive the news. It’s too much guesswork and I won’t always be right. Most people don’t beat the index over time. I just kept buying VTI and VXUS both during the dip
Okay, but my query stands. He’s trying to say international is better, but yet VTI 3x this year (which it didn’t), which actually supports the opposite position from what he’s saying, ie despite anyone’s feelings, US actually is better than international, even this year.
In January I moved about 20% of my portfolio that was in VTI (domestic) into 10% VXUS (international) which needed done anyway for a healthier balance, and the other 10% into 3-month bonds at 4%. I just re-bought on the bonds for another 3-months earlier this week. Waiting and seeing. Maybe I miss gains on the 10% bonds, and that’s on me. Maybe I get to deploy them at a discount. Waiting and seeing, and the move is a portion of my portfolio I am comfortable straying from a 100% wait and see (as default).
I only have 5 shares. First one I bought in 2023 for about $300 to get a GEICO discount - saved a whole $5... April of 2025 I bought $2k of NVDA @ $95, and $2k of BRK.B at $500.... In hindsight I should have just bought all NVDA, or more VTI... Or just about anything else during the tariffs day stock sale.