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
If your investment time horizon is long enough and you’re happy with average market returns then the obvious answer is to buy low cost index funds such as VT VTI/ VXUS or VOO. You just buy and hold through think and thin. The eventual downturns are just opportunities to accumulate more shares at lower prices. Now “average market returns” aren’t really average at all for most individual investors because they don’t do what I just said. They generally panic sell and drive down their average returns by several percent. Or think they can time the market and destroy their time in the market. It’s a losing game to chase returns. That’s a fact that’s born out in the statistics.
40% VTI 30% VUG 20% BRK 5% Bitcoin 5% GLD Overall, a very passive portfolio. I almost never sell, just buy with every paycheck.
VMFXX is likely the "default" investment choice for your account You need to log in to your Vanguard account and change the investment fund for your existing $$ I don't know what your time horizon/age/risk tolerance is, so I can't advise you for *which* fund you should invest into. Perhaps something like VT or VTI. Or a balanced fund like VBIAX. https://www.reddit.com/r/Bogleheads/
VTI or relegation to wage slavery until 90.
All in VTI isn't even conservative, you'll still be 100% equities.
VTI if conservative, throw some more tech exposure (QQQ etc) if you believe it will stay strong.
Just dollar cost average every month into VOO or VTI. KISS.
The market is like a game of no-limit texas hold em. Based on the cards you are dealt, you have choices to make. Not only how to play that hand, but how to manage your entire bank. Let's say a person gets dealt a pair of aces. You can play that too conservatively AND you can play that to aggressively. For that hand, it might work out good for you. I tell you what, though... if you always go all in on a pair of bullets, you probably are going to lose empty handed. Similarly, if you never aggress on that pair of bullets, you are going to lose hands you could have won. Try and know what is knowable. Know the odds. Know your odds. Understand that effin luck will *always* be part of the game. Pot management is crucial. My biggest individual stock right now is RDDT. I placed a bet. I pulled some of my money off the table and now I am playing with "the house's" money. I mean, its mine, but only from winning already. I understand that I have risk with this individual equity. I also understand there is risk from the tech sector and from the general macro environment. Not matter how much I think RDDT is a good company with great value in the future, it still has massive risk from things that are completely outside of RDDT. An alternative is to not sit down at the table. VTI or VOO or whatever and chill while you DCA. No hate in that game. Arguably (and probably) a better game to play. While I have money in individual stocks, this is a big part of what I do. If you are going to start doing anything else, however, just know you are sitting down at a game of cards where you can get hosed for any number of reasons. Place your bets accordingly.
The stocks to “keep your eyes on” are always changing depending on your time horizon and risk tolerance, and what’s going on in the world. This time last year you weren’t hearing much about rare earth metals but if you had some of those mining companies this last month you were doing great. Chasing a trend by watching TikTok or asking reddit is a great way to lose all your money, especially if you don’t have a lot of experience to discern good advice versus someone talking their book. By the time a “hot” stock makes it to those places it’s probably already had its big move. Not to be a party pooper but a broad based index fund like VTI is usually a good bet if you believe the market will go up over time. It’s not sexy but it gets the job done. If you really want to try your hand at active trading maybe buy one share of something interesting or fractional shares that some brokers offer. Learn to do research, watch the market, understand how things like earnings, volume and volatility affect price action. Also, don’t trade with money you can’t afford to lose. Because contrary to what we’ve seen these past few years, the market doesn’t always go up. I’ve been trading since the late 90s and know that it only a matter of time before we have a correction
Honestly: if you’re in it for the long haul, a big upfront in VTI and then a steady weekly add is solid. Here’s a simple framework you can steal: - Do the 50k upfront, then auto 1k a week. That keeps you in the market without trying to time it. - If you want a tweak, consider slightly dialing back the upfront to 40k and boost the weekly to 1.5k for the first year. That can smooth some volatility and still give you good dollar cost averaging. - Rebalance annually to keep your target mix. If VTI is your core, a 80/20 or 90/10 stock/bond split as you approach, say, 5-10 years from retirement could help. - Think fees and tax efficiency. Use a low-cost broker and a tax-friendly account if possible. If you’re comfortable with a simple split, I’d do 50k now, then 1k/wk forever. You’ll still catch gains if the market dips, and you’re not chasing returns. And yeah, I’m not your financial advisor, but seems like a clean plan for most folks in a 60/40 or stock-heavy setup. I wrote about general investing vibes on my site if you want more reads.
I'll never cease to be amazed at questions like this... No, you should not leverage a HELOC to invest into a stock index. What you should do (and should have done) is treat your brokerage like your savings account with a mix of stocks, tax-advantaged intermediate bond funds, and short-term cash. Many people advocate percentages but I like to put the short-term reserves in terms of real dollars. So in your case, I'd be something like $20k into VMFXX, $60k into VTI, and $20k into VTEB. Adjust accordingly for your risk tolerance.
By all measures of valuation, VTI has gotten at least 2.5 times more expensive than VXUS since 2011. Not to mention the dollar rally of about 30% since then as well. It's an exciting time to be invested into int'l if you believe a mean reversion is possible. Valuations have been steady relative to each other for the past year. My 401k is 100% VXUS and I sleep fine
I don’t have a 401k, laid off, but I I did maxed out my IRA. VTI and a small GLD position.
Yup I’m continuing with the same plan. VTI, QQQM, IBIT, QQQI, SGOV (savings)
Second VTI. VOO is fine too, but VTI is slightly more diversified
VTI and chill. Or dump 2k into SOFI every month.
Just questions for you: How have your returns compared to the relevant index and to S&P500? Be realistic, do you know better than the market? If so, then time. The vast majority do not know **when** a correction/crash will occur. One classic example: Greenspan's "Irrational exuberance" comment was in 1996 and 3+ years later and \~5xNasdaq. So if you accept you do not know, then take at least 50% cash and put in a mix of stupid, long term boring and just keep dollar cost averaging (QQQ, Brk.b, VTI, VB, International)???.
For people starting out I’d do SPY or VT/VTI until they have $100k+ in the market. There’s no need to diversify more than that in stocks. Of course prior to investing in stocks one should try to build up a 3-6 month worth of expenses emergency fund. I’ve bought and held quite a few individual stocks that have done great (NFLX, NVDA, MSFT, AAPL) long term and I think it’s worth trying just not until you have a strong foundation
To add to this, I started investing 8ish years ago. I was worried about the market correcting or crashing however I stuck to the advice of dollar cost averaging and buying VTI. While I did go through the covid crash without being able to capitalize on it, I am glad I started investigating as I have 80k in my personal accounts. So, OP just invest if you have the money and slowly add to it!
There is more to "the market" than the S&P500. What is the longest period for recovery of a portfolio of 50% VTI, 30% VXUS, and 20% intermediate treasuries?
Put new money into an ETF. Slowly move some Apple shares over. Maybe 3% a month. If you want to “diversify” but stay tech heavy then maybe an initial 20% of APPLE moved to VGT. Then 3% a month to VTI.
The goal of the market is to always be at an all time high - that’s literally the point. Do you think that Apple will never be higher? Do you think VOO and VTI have reached their forever max? The answer of course is no, invest for long term and ignore the short term
No because a lot of your ETFs overlap with one another. Look at expense ratios as well. All you need is VTI as your core for US market. If you want to tech tilt ad a slice of a tech ETF like QQQM.
Invest a fraction every week in solid ETFs like SPY, QQQ, VTI, etc. Over your lifetime you'll come ahead
If you want to actually invest, then buy Vanguard Total Market (VTI) every month with as much money as you can afford to invest. You're mixing trading and investing. Trading is gambling with more steps.
Lmao I never said having access to earnings reports is a new thing nor did I say you need to be a genius to beat the market I’m up another 30k in the past few days? How’s your VTI looking?
Where were you when they were on sale? Buying VTI? Lmao
You are 20. EVERY dollar you invest is worth 88 dollars in 45 years at market average growth. dude. 1000 = 88,000 in 45 years. Just invest. Buy VTI
Dude... just autoinvest $50/week into VT or VTI or ITOT or VOO and go live your life.
If you are really scared, just put your money into VTI to get a total world exposure. It's always my advice for people who don't know what to do.
Market cap weight provides optimal risk-adjusted returns, which would be a fund like VTI. Also consider international diversification with something like VXUS.
I wish I owned it. Wish I owned Nvidia. I am tired of my diversified portfolio with BND, BNDX and VXUS. VXUS has had like 6 months of outperformance this year but VTI comes back strong since April. I could have so much more if I just pulled the trigger and went with this tech AI revolution.
The real economy is crumbling literally all around us. The MAG 7 are only up on cope and hope of AI actually producing results that usher in a new age a la dot com era. I invest in both VTI and VOO about evenly but then I also invest in SMH and QQQ to lean heavier into tech.
It’s funny, I used to be VOO (s&p500) but then switched to VTI (total US) and now I’m thinking I need to be VT (US and international). But the equal weighting idea is also intriguing.
VOO/VTI are not value funds. They are broad market funds that do not focus on growth or value. VOO/VTI holds all the stocks in SCHG
If it’s just $1000 I’d disagree with those saying MSFT or VTI. I’d be looking for a moonshot. Surprised no one is suggesting this.
Thank you for this. This may be a stupid question but can I switch your option 3 to 70% VOO/30% VXUS instead? Switching VTI to VOO basically just means Im skipping the small-cap segments in the US right? So it’s slightly less diversified but also slightly more stable. I think i’ll skip on SCHD and QQQM as per your recommendation and just keep it simple with VOO + VXUS.
VOO is S&P 500; VTI is US total market, which essentially subsumes VOO. SCHD + VOO will double you up on companies in SCHD, and similarly for QQQM. you could consider VT to be equivalent to a combo of VTI and VXUS, so you could buy, say 60 VTI, 40 VXUS or 75:25, depending on your preference, instead of VT. note that, unless you need the income, SCHD will tend to give you less total return (dividends plus capital growth) than VT et al., so I recommend folding it into VT. by the way, I was constantly confusing VT and VTI when writing this, so take great care to pick the right one. (I wish Vanguard would rename VT and VTI to lessen this confusion.) I would consider changing your three options to: 1. 60 VTI, 20 SCHD, 20 VXUS (and preferably 80 VTI, 20 VXUS) , noting that this doubles you up on SCHD stocks; 2. 40 VTI, 20 QQQM, 20 SCHD, 20 VXUS, noting that this doubles you up on both SCHD and QQQM, and hence 80 VTI, 20 VXUS is preferable; 3. 70 VTI, 30 VXUS (or simply 100 VT). since you prefer safe growth, consider avoiding QQQM. VTI is already packed to the gills with tech stocks, and it may be a good time to exercise restraint in that realm. good luck.
Nah, really resisting because I'm forcing myself to only do VTI + VXUS. But if it dips further I will. The last time I couldn't resist the urge to go shopping for single picks was in April.
67 % Stock 19% Bonds 14% Short Term. We are retired 61 y/o no debt pension. My IRA VWENX wife’s VTI,BND& VXUS. ROTHS VTI & VXUS. Simple stupid like a monkey throwing darts.
What I did was I opened a separate brokerage account labeled it "House". I put the money that I could pay off early into this account and invest in VTI. Let it sit there and grow. In 10, 15, 20 years time...if I want to pay off my mortgage I can use this account to. If I don't, then it can go into other things.
Because risk and survivorship bias. Index funds (like VTI, VXUS) capture all winners automatically while protecting against blowups. You’re focusing on the visible success stories — NVDA, AAPL, etc. — but ignoring hundreds of “can’t fail” names that did (e.g., GE, Intel stagnation, IBM decline). Dollar-cost averaging into the total market compounds long-term with less volatility, no single-stock risk, and no need to guess future giants. Indexing isn’t about maximizing returns; it’s about maximizing certainty of long-term growth with minimal failure risk. Big tech could keep winning — or it could flatline like Cisco post-2000. Indexers own them either way.
NVDA is better than VTI, keep buying
I’m also negative 2k all time. The problem is if I continued VTI and chilling I’d be positive 20k all time. LOL
My cost basis in VTI averages to about 15 years ago. These daily moves cost me +\- 30k. Stay long term and little panic you once retirement is at hand. If it does, then you’ll probably want to buy bullets anyway.
Assuming they’re in VOO/VTI and not all in on NVDA, they just need to have 3-5 years of capitol in fixed income and/or bonds. You can live off this for multiple years and never sell VOO at a loss. At 40 bond allocation is debatable, but at 55 or more 30% in bonds/fixed income does this. And you can ride the dip with the younger investors.
How do you define "Active Investor?" Are the major share holders who hold for years considered such? End of the day, when it comes to most big caps, the big share holders are the market makers and I dont think the active guys make much of a difference. Sure they can cause volatility but the normalization happens, not due to them, but due to long term holders who buy more when they feel its undervalued and sell when its over valued. So in my mind (not scientifically verified), for most big caps, the long term holders contribute something like 80% of the valuation while active guys add 20% volatility around it in both directions. This just a gross illustration. Obviously some stocks will have much higher volatility and fewer major shareholders. That doesnt really prove you are wrong, because I dont have real data but I feel like most passive guys in things like VTI or VOO are not following "active investors" but rather major shareholders who hold long. Depends on how you define "active investor."
You can use the =GOOGLEFINANCE(“VTI”) function update prices automatically
BRK has turned into the anti-S&P. Check out a 10 year chart and notice what happened around the beginning of 2024. Investors using BRK as a hedge against macro stressors and big tech, that's my guess. It's underperformed this year but at some point the music will stop and it's BRK's time to shine. Thinking about pivoting some of my non-regard money from VTI into BRK. https://preview.redd.it/rml8c0iis9yf1.png?width=1204&format=png&auto=webp&s=d1028c5539b732f482bbe83e74f68e6cc749fc39 BRK up 1%, SPY down 0.5% today
**Time in the market, beats timing the market** Without knowing your living expenses, put most of the money you're willing to invest into a fund like VOO/VTI. Consider a smaller percentage of that into something like VGT or SCHG. Put the rest of your savings into a HYSA. Sticking with ETFs is smart. Avoid single stocks if you're not up for the risk. Look up JL Collins, his philosophy on building wealth is incredibly simple. https://www.youtube.com/shorts/NMvOzJcWtW8 At 18 your upside is having the gift of time.
Some of my favorite individual stocks: TSLA, MSFT, GOOGL, AAPL, HD. Some of my favorite ETFs: VOO and VTI for the growth, SCHD for the dividends. My favorite cryptocurrencies: BTC and ETH. You can't go wrong picking one of those.
This year is an example of how that might not be true. Year to date VXUS has outperformed VTI by about a 2:1 margin. Sure, international has been slow over the last decade or so, but there have been decades where that wasn’t the case. Zero reason to put all your eggs in one basket, especially with all the turmoil going on in the US right now.
Lots of suggestions of sticking as much as you can in a Roth IRA over two years and letting it grow until retirement, and if you want this money to grow to the maximum possible, that's the way to go. But, I'm gonna suggest you open a taxable brokerage so you can let this money grow for a bit and then access earlier for a large purchase like a home in 10+ years. You can do this with Fidelity, Vanguard, Robinhood, or Schwabb. Depending on your risk tolerance you could put 70% into a domestic stock fund like VOO/FXAIX for SP500 or VTI for total stock market. 20% foreign stock fund like FENI/VXUS/VYMI. 10% put into a bond fund like SGOV, or pick a municipal bond fund for your state so you don't have to pay federal or state income tax on the dividends. The 90/10 portfolio has worked out pretty well for Warren Buffet. Right now there's no capital gains tax if your taxable income is under 48k (gross income under ~64k) for a single filer. Time will tell if this is still true in 10+ years.
I like to do a mix of retirement date funds, US funds and total market funds. At your age though I’d probably suggest 40/30/30 VOO/VT/VTI and then start making some of your yearly contributions into retirement funds around 30 years old. If your retirement date straddles two funds split into both.
You could have just bought VOO, VTI, SCHG, or any other good and popular ETF lol
Stick it in VTI or VOO and don’t touch it. My 5 and 8 year old were each gifted $100 in VTI at the start of the year and they were excited that it’s now $114. Of course they wanted to pull it out, but we’re trying to teach them the power of compound interest when you start young.
Bro all you need to do is just VTI and VXUS, join the club. Slow rebuild.
This is basically what I did in my early 20s. Bought VGT/VTI, kept buying more whenever I could, and now in my 30s things are looking very good. OP, this is basically the answer. Pick one or two growth ETFs to invest in, and leave the money there no matter what. In 10 years, you’ll be glad you did.
The result was VTI QQQ VBR VXUS AGG And I made sure to ask it that there's little to no overlapping
100k VTI, 20k VXUS, 20k QQQM, 10k JAAA
Good options: 75% VTI, 25% VXUX - split between US and non US. Historically US stock market out performs international 100% VOO - top 500 US companies 100% VTI - About 3700 US companies Do not: Invest in crypto Invest in a single stock
Should I continue to sell my company stocks to purchase index funds? I have been selling my company RSUs and ESPP when vested to immediately buy VTI over the years but now that VTI is at an ATH, should I continue doing this? I just sold 20k a couple weeks ago and it's sitting in a SPAXX in Fidelity.
Many misleading comments. Bonds and international stocks are used to diversify. That broadens your assets and lowers you risk. If you put everything in VTI and the tech market crashes 50% then you lose 50%. A diversified portfolio probably loses 20-30%. Yes the diversified portfolio only grossing at 8-13% vs the 20% VTI but it also loses much less in bear markets. The older you get the less time you have to earn it back so any advisor worth a shit is going to have you diversify cause no one knows when the next 50% tech crash is going to happen.
I mean to be frank, you’re not far off from most 25 year olds now. You’re just far off from your former self, in the opposite direction. Looks like you put in $75k at the start so assuming you at least have a decent job. Rather than trying to gamble it back, use that income to start buying into VOO/VTI. Maybe get off Robinhood to prevent gambling temptations. Once port is in a position you’re happy with, use extra money for gambling - which this is. Options weren’t invented to YOLO, they were made for hedging. Understand the difference, learn some conservative strategies to know your plays even when gambling. Post the next loss porn when it happens.
Just do VTI. US likely won’t slow down as the main investment market for the world. Everyone around the world invests in the US market
Parents gave you $175k and all you had to do was put $150k into VTI and play with the rest.
Just buy all of them. VT or VTI. Literally just dump all of it into one of those. If you're bored, save 50k for you to invest in dumb stuff. Who knows, maybe you'll strike gold? Or save that 50k for identifying good value or defensive stocks, even though value investing is mostly dead.
VOO VT VTI, pick one and just dca monthly
Too many ETF's to be a boglehead, not enough risk to be accepted by apes or WSB degens. Most of my port is in VTI. Then I have a mixture of themed ETF's like: VGT SMH SHLD SPMO % wise right now VGT and SMH are far outperforming my VTI but that's because of Nvidia. Something something past performance something future results.
Congratulations! That is so very cool. Please take your time to research thoroughly and understand what you are investing in. Ask yourself, "What are my short-term goals (1, 3, 5 years) and long-term goals (10+ years)? Understand investing through the lens of your "Time Horizon". The "best" picks for your money will depend on your goals with that money. For example, Gonna use the money in a few years? Keep it in a high-yield savings account. Dont need it now and want it to grow over the next 10 years? VOO/VTI/VT/dividend stocks/bonds. I first started with the flowchart in this Reddit article about personal finance. There is a graphical flowchart to help. Hope this helps! [https://www.reddit.com/r/personalfinance/wiki/commontopics/?utm\_source=share&utm\_medium=web3x&utm\_name=web3xcss&utm\_term=1&utm\_content=share\_button](https://www.reddit.com/r/personalfinance/wiki/commontopics/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)
1. Establish or add to an emergency fund as needed 2. Complete your IRA contributions this year 3. Pick a brokerage you like and put the rest in a taxable account Any broad index fund is a good start, such as VT, VTI, ITOT, or SCHB
incidentally for most people, they are better off buying and holding while making reddit posts than they are trading. Most people are terrible at this and would be better off with all their money in VTI.
now these days. These days you need a mix of of VTV and VTI
Just sold 50k of VTI since he said no rate cuts in December
honestly It boggles (Im mean that as, It confuses me, and makes me more of a bogglehead) my mind how many people will spend the equivalent of a part time job, just to make less money than if they just bought VT and chilled. I have been trading for a little over a year and while I did outpace the market, it was a single stock, RKLB, that made the lions share of the difference between my portfolio and just making market returns. all my other trades have basically been useless. If you remove my second best return AMD, I would be a cpouple % down compared to holding VT alone. I am just finishing "a random walk down wall street" and armed with that knowledge and my own experience, i think going forward, i am going to pare down my holdings to just VTI and VSUX with a couple of high conviction stocks that are held for the long term. All the wheeling and dealing is just a waste of time.
Are these just deposits of money? 3% in 3 years, oof. Would be 100% in VTI LMAO
Over the last 5 years VTI has outperformed VXUS by 100%+ I am not a short term investor I focus on the long term. I set a reminder to see how it ages
Predicting what will do well the next 25 years is difficult. At least I know the stock market in general will be higher so VTI or VOO is best.
I have a book from like 2000 that has 100 best stocks for the long term. Of the 100, maybe 2 are good today such as Microsoft and Apple. Just buy VTI for the long term.
Diversifying is meaningless, it's 10 shares. OP's just wasting his time caring about this when he should be in VTI. He made a thousand dollars by being somewhat lucky, and probably spent 10-30 hours agonizing about it.
When you buy VTI or any ETF, your money does not go directly to buying stocks. It goes to authorized participants or most likely some other dude who sold, in no cases at all does the money flows from you to ETF Provider and then being used to stock purchases, in the best option is it goes to AP and they use to for reimbursement of the stocks they already bought.
>Bull case: any time someone buys VTI, SPY, or QQQ an appreciable amount of their money goes to AAPL Does it really go, since when this works like that, when you buy an etf, are you really buying stocks in this way?
Not a loss until you sell. When you buy an individual stock there is always a possibility for this to happen, don’t buy a stock without anticipating the possibility of this. If you don’t have the stomach for this, then flipping stocks is not for you. VTI or VOO and chill. If you’re betting on stocks then don’t risk all of your net worth on such bets. If you think the stock still has potential then just hold instead of realizing the loss.
Bull case: any time someone buys VTI, SPY, or QQQ an appreciable amount of their money goes to AAPL Bear case: it's Apple
What does one jnvest in when the goal is to drum up money for a house? Individual stocks or something like VTI?
Remember to have protection during VTSAX so you don't catch any VTI
I do boring VTI, VXUS, and BND, recent events have made me raise VXUS about 10%.
You’ve lost about 42% of your account. Would probably be best to not play in options anymore with the remaining and just put it in an index fund like VTI.
If I could start all over again I would do 100 percent VTI. Buying stocks in 1999 was a big mistake. All of those stocks for the long run were horrible including Intel, Cisco, Lucent, JDS Uniphase, all pharmaceutical and oil companies, General Electric. How do you know what will outperform the next 20 years. However VTI will always keep rising. I am at 3 million but would easily be at over 4 million just owning VTI. Nice and simple.
Ok so.. I've been tracking ETFs that are associated with shorted stocks. And VTI repeatedly comes up.. my thesis is..... VTI ETF holds nothing but naked shorts inside the ETF it is that of shares sold short by MM and then instead of covering they stuffed the ETF filled.. because this is the 4th stock with massive FTDs that I have found with a pretty big number of the underlying equity inside it... *
Maybe put the original investment into VOO or VTI?
Shominy.com is made up from King of Queens, but if you invested at the ATH in March 2000, you would have recovered your money by 2007. If you started investing in 1997 and kept going, you would have recovered by 2004-2005, so ~3-5 years to recover. That's why having a fully funded emergency fund and no debt like CCs, auto loans, etc, are important, because if you lose your job during this time, you can keep your money in the market and not "lose" anything. -- You get it back within a few years. If you have a job through all this, you're going to make out really well because you can keep investing while the market is low. The idea is to make sure you have a diversified portfolio, like VT or VTI/VXUS, and let it sit through the downturn. I've lived through the dotcom, GFC, and COVID, and I slept through it all. -- Turned out very well for me.
Less diversification ie VOO = S&P500, QQQ = Top 100 NASDAQ companies whereas VTI is the entire US Stock market ie thousands of companies, big and small cap.