VTI

kinnadian

VTI is just US total market. VOO plus mid and small caps. So even more overlap than VOO+VT

austinvvs

Buy a broad based index fund like VTI and forget it exists for 10-40 years

Totti302

Just come to grips that you will not outperform the market. Matching its performance is more than enough for 99% of people Buy low cost index funds like SPY, QQQ or VTI. Lose your password and check back every few years.

H0stusM0stus

You seem to be in a similar situation as I was up until recently. I had a relatively large amount (\~175K) of VWIAX. I started investing in that fund, along with VTSAX and VWUAX, when my annual income was low and my knowledge of investing was minimal. Fast forward 8-9 years and I find myself getting absolutely crushed in taxes every year due to 1) huge capital gains distributions by VWUAX, 2) moderate capital gains payouts by VWIAX. It appears very similar to VSEQX and VWNAX. Not sure what your taxes usually look like, but those capital gains hits can be brutal So what I did is on Vanguard's site, I went to the "Sell" page for VWIAX and selected "SpecID". With that, I was able to see each lot that I had purchased and whether those lots were sitting with long term gains or losses. In my case, I was able to sell my whole position in VWIAX and the net effect was still $4700 long term loss (7900 loss / 3200 gain). I did the same thing with VWUAX and was able to harvest another $2800 of long term capital losses. The nice thing is now I have over $10K to help offset any capital gains that my remaining shares of VWUAX pay out, and I was able to move \~175K into a MUCH more tax efficient structure. Right now you are in a good position with low AGI, but once that business grows the capital gains payouts of those two actively managed funds could be the difference between being in the 22% or 24% tax bracket. If I was in your shoes, I would be looking at the SpecID for both of your actively managed funds to see what kind of losses you might have. Perhaps try to harvest some losses now to help offset the capital gains payouts, especially from VWNAX because that one looks notoriously high. And even if you do have gains, your AGI is still low enough to where you could realistically sell a significant portion of those two funds without moving into a higher tax bracket. Granted you would have to pay the 15% capital gains tax on any of those gains, but better now than when you are making $100K+ per year. I'd look at putting the proceeds towards your VTI ETF. That's just my 0.02

Djent_Reznor1

Continuing as usual. DCA 70% VTI 30% VXUS every month.

cupa001

I am relatively close to retirement and have decided to start divesting my individual stocks. My rule is that I will sell if I have at least 100% LTCG. Proceeds go to SGOV or VTI depending on account. This is out of my “play” account, not a big deal if I hold for long or never sell. Will also use for tax loss harvesting if needed.

cheddarben

My biggest problem is that so may "well diversified" etfs have straight up boofered all tech. Spy isn't diversified. VTI or VTO aren't diversified. You mostly own tech.

InvestingNerd2020

E*Trade allow you to buy fractional shares of ETFs, but only in auto investing mode. It's actually a good idea for long-term investing. VTI or SCHD auto invested in a taxable brokerage account works well long-term.

howtoretireby40

VTI babyyyy\~

Major-Bad-1203

Holy shit I sold all of my VTI a hour ago cause Im poor. Who said you cant time the market?

goodmorningcptahab

Just FYI, this portfolio was largely set up by one of Vanguard’s financial advisors about four or five years ago, so it’s not exactly without strategy. I added VTI shares a year ago—strategically, I thought. So there is thought and reason behind the original portfolio and the changes I’ve made/will make.

wandererarkhamknight

What will be the percentage of SpaceX will be if it’s hypothetically added to VOO or VTI at the said valuation?

yohannanx

Why hold VTI/VXUS and VT?

mistressbitcoin

If index investors are the cash cow, can you blame the market for taking advantage of it? And if the SPY/VTI/VTSAX is so safe, why cant the average person borrow against them? Why only millionaires?

BackgammonFella

4 etf forever “index” portfolio 20-40% SGOV (100% short term treasuries, may be worth diversifing with municipals if in NY, CA, MN, etc) 20-40% VTI (100% US stock market) 20-40% VXUS (100% international stock market) 10-80% VT (100% world stock market) If indexing, why not fully index the entire equity market?

SnooMarzipans9536

Thanks! Fingers crossed, dug myself a 37k hole this year so far so a big win would be epic. If I get it I’ll be responsible and put most of it into VTI or something. Or, OR! Escalade haha

Hot_Cap4943

You’re actually in a very strong position already, with solid assets, a large cash buffer, and meaningful upside from your business. It’s not necessarily about being more aggressive, but about aligning your portfolio with your goals. If part of your HYSA is earmarked for a home purchase within 1–3 years, holding cash makes sense. But any excess beyond short-term needs could gradually be shifted into broad equity index funds like VTI and VXUS to support long-term growth. At 31 with potential business income growth ahead, your true risk capacity is higher than it may feel today. The key is avoiding excessive cash drag while still maintaining a portfolio you’re comfortable holding through volatility. A simple framework: short-term cash, long-term equities, and your business as the upside driver.

micha_allemagne

The actively managed funds are where I'd start. You're paying \~0.3% ERs for exposure you could replicate with VTI at 0.03. Also VUG overlaps quite a bit with VTI's mega cap tech positions, so you're overexposing on that sector and market cap. Here's a full breakdown of your current allocation: [https://insightfol.io/en/portfolios/report/f0ad0b4808/](https://insightfol.io/en/portfolios/report/f0ad0b4808/) What's the tax situation on potentially exiting VSEQX/VWNAX?

14PESO

You don't believe in US stock market more? I would not be that heavy in VXUS and move more into VTI. But what do I know you have way more money than me lmao Aggression? Look into SPMO, QQQM, SMH, VGT

rodentmaster

If you're intent on getting started, 80% in SPMO and 20% in VGT. I used to say VOO/VTI, but barely beats S&P and VTI hasn't even matched it for a while, so I've changed my mind in recent years. I also put my money where my mouth is and dumped VTI for VGT and SPMO.

everyeargiants

OP, I did the same. Kinda tough seeing VTI go from $319 to $350 in short time. The war is not over. We still have 2 more years of Trump. Macro issues persist. It seems like another big / bigger plunge will come, so may as well wait for that.

drew-gen-x

I bought $XLE on Friday. Just like $VT, $VTUS, and $VTI or $SPY were underpriced on March 31st; $USO and $XLE are underpriced now for the amount of risk the markets are discounting. I like poking the bear vs bull arguing here; but really people should never be too bearish or bullish. The market is overvalued vs the amount of risk it is taking right now.

Ok_Inspection_8203

50 QQM / 25 AVUV / 25 VTI. Ride the waves down and up. Only susceptible to series of returns risk, but any stock worth investing in is.

counterhit121

I sold like 2/3 of my VTI and threw it in SPAXX, but I'm holding on to my much bigger positions on RDDT and NFLX

Mental_Antelope_7202

Start with an ETF like VTI. But I fear the time to invest a large chunk has passed. Dollar cost average your way into the market. Maybe $250 a week until you get to $20,000.

Economic-Bee-Hoon

VT and VOO have lots of overlap. Suggest you do %VTI (US), %VXUS (international).

456M

>VOO + VTI I'm sorry but that's an even dumber combo. Like 85-90% overlap.

Koolaid_Jef

Im 25 and was in the same spot. I lost a lot as soon as the covid bull run ended. When things turned down in I think 2023, I cut losses and dove into weekly investments in VOO, VTI, VXUS, and a little bit of conviction stocks, though those are heavily overlapped already in the funds. I just wanted a little more of certain ones. I forget im investing and its been working great. To be fair, I essentially started it at the beginning of essentially a constant upturn and possible bubble, but if it crashes ill just increase the weekly buys

Beginning-Novel-4213

Try investing it regular intervals, maybe $2k a month for the next 10 months? That will help the psychology of all this. If the market is up, you’ve made money! If the market is down, you get to buy cheaper and make more money in the future! Just stick with something well diversified like VOO/VTI/VT.

Typical_Web_2125

Again, only an amateur would only go 100% VOO which is why it is important to hold international (and small cap value) as well which in fact beat VOO over the early 2000s. VTI > VOO

intheyear3001

Wife got options in ADBE at $550/share and total value around 1MM. Gifted. I told her to diversify at least half if not all of it into VTI, VOO, fucken anything. Checks notes…$250 now.

Floridian_Capitalist

It’s so tragic that we live in a time where people can’t even acknowledge or appreciate their luck in life. Even OP acknowledges his privilege. Your advice in this thread (like everyone else on this subreddit) is to DCA VTI. Do you know VTIs average rate of return? Do you think it’s remotely feasible to achieve 7 figures net worth by your age without significant starting capital. Classic rich/lucky midwit.

braveyam2

Goal is to keep 80K in broad US stocks? Define your goal… then buy it like others are saying without thinking too much about timing the market. 80K single buy. If market falls, TLH into similar ETFs. VTI >VOO. Paper losses are harvested but you are always stay invested per your goal. If you sit in the sidelines, it will turn into months or even years looking for entry point.

Floridian_Capitalist

It’s fine, everyone on this Reddit will tell him to dca VTI. If you’re good at something never do it for free. Especially for trust fund kids.

HlpM3Plz

I did something similar. Put 80% of my $ in VTI/VXUS. Invested the remaining 20% in individual stocks. That way I can try to make extra $ playing my hunches without risking the majority of my nest egg.

xiaodown

Here @OP, I did it for you. This is investing $20,000 as a lump sum, 5,000,000 simulations, picking an ETF out of the given list, picking a date for which data exists (generally, from the start of the fund up until 2020), and investing the whole thing on the next trading day. Then the results are averaged for each year. Prices are accurate as of yesterday's close. (**note:** repost, and i'm removing the little emojis that my stock backtester script spits out because the bot doesn't like them) (lumpdca) xiaodown@lab:~/code/lumpdca$ python simulate.py 5000000 20000 --tickers \ SPY,QQQ,IWM,VTI,EFA,VEA --lump-only --yearly Investment Strategy Simulation Running 5,000,000 simulations with $20,000 investment Using 16 processes on 16 available cores ============================================================ [████████████████████████████████████████] 5,000,000/5,000,000 (100.0%) EFA from 2011-07-01: LUMP value $51,425 IWM from 2006-03-10: LUMP value $99,098 QQQ from 2000-09-23: LUMP value $168,170 SPY from 2006-11-01: LUMP value $147,153 VTI from 2019-08-10: LUMP value $52,176 SPY from 2014-10-05: LUMP value $86,602 VEA from 2020-08-17: LUMP value $38,454 SPY from 2013-12-18: LUMP value $95,755 ============================================================ SIMULATION SUMMARY ============================================================ Total Simulations: 5,000,000 Starting Capital: $20,000 Time Elapsed: 7.26 seconds Ticker Filter: SPY, QQQ, IWM, VTI, EFA, VEA Mode: Lump Sum Only Returns Analysis: Strategy Median Average Min Max ------------------------------------------------------------ Lump Sum $85,098 $123,298 $29,098 $760,309 Best Lump Sum: QQQ $760,309 (from 2002-10-09) Worst Lump Sum: IWM $29,098 (from 2020-12-24) Lump Sum By Start Year: Year Count Median Average Min Max ------------------------------------------------------------------------ 2000 119208 $159,826 $162,953 $129,510 $285,438 2001 201827 $186,581 $200,347 $91,365 $541,237 2002 201538 $204,530 $254,106 $93,398 $760,309 2003 202085 $208,704 $246,108 $82,828 $641,108 2004 202670 $184,469 $198,549 $69,617 $469,717 2005 202302 $166,867 $182,504 $59,454 $434,923 2006 202378 $149,265 $165,042 $48,579 $420,748 2007 261626 $90,588 $120,699 $41,465 $355,670 2008 262790 $108,706 $146,935 $44,311 $583,763 2009 261679 $147,686 $175,261 $57,726 $579,253 2010 262606 $107,333 $137,207 $54,169 $347,938 2011 261781 $93,333 $119,791 $49,900 $292,526 2012 263127 $84,000 $109,512 $52,543 $255,799 2013 261088 $69,451 $91,014 $43,294 $216,495 2014 261798 $57,098 $75,756 $40,957 $168,170 2015 261902 $54,353 $70,230 $41,059 $141,753 2016 262398 $57,098 $70,069 $44,471 $143,686 2017 260976 $46,321 $57,508 $36,485 $114,046 2018 261759 $43,066 $50,524 $34,351 $93,428 2019 261866 $42,000 $48,390 $34,859 $89,562 2020 262596 $43,066 $44,110 $29,098 $78,608 Note: Large outliers detected. Median may be more representative than average. ============================================================ The point is, some years are better than others, but it all comes out in the wash, and time in the market generally beats timing the market.

Fastest_light

Depends on your time horizon and if 20K means a lot. Usually dollar average into the market is safer, meaning, for your 20K, you can buy 0.5K worth of VTI each week, say Tuesday afternoon, and keep doing the same for the rest of 40 weeks. Do not try to time the market, or panic selling. If market went down, just hold tight. Time in the market eventually wins the game.

kinetic_honda

Only 20? Wow. Use time to your advantage. It's your best friend. Put your money into VT or VTI + VXUS, keep doing that regularly. Ignore noise and do this for decades. Then, profit.

AceMaxAceMax

My Roth is VT, my taxable is VTI/VXUS. Simple as that.

Gimme_All_The_Foods

VT for Total World, s fund like VTI for Total US Market, and a fund like VXUS for Total International. If you're looking for one global fund, choose VT.

BarefootMarauder

If you want to stick with Robinhood, VTI, VOO, SPY, and I'm sure there are many others if you do a search on what is available.

SnoopDoug523

you're totally correct, there's zero reason to pick VOO + VT , when VT already has all of VOOs holdings ... VOO + VTI or VEA would be the best choice

TemperMe

Who 50/50 VOO & VTI that crazy overlap. Should mix in VXUS or something else. Maybe 80% VOO and 20% VXUS or something

TheHollowHedonist

5% in IBIT, 5% in ETHA, 5% in IAU (GDX if it's a taxable account), 5% in SIVR, 15% in VXUS and 65% in VTI. Tweak it from there. That'll cover your bases since you want to be a little speculative with your crypto.

TemperMe

I prefer to keep about 60% in VTI, 20% in VXUS, 10% in bonds, 5% Bitcoin and Ethereum, 5% individual stock picks

Ok-Psychology7619

I started investing 7-8 years ago, almost entirely into VTI/VOO. I am up 200K+ since.

AlfB63

Pick one of the three. VTI and VTSAX are the same thing and VTI/VTSAX holds everything in VOO and more but the overlap by weight is over 88% so they will all have similar returns.

FutureMobile399

Bro you're 21 with 16k already in Roth, you're doing great 🔥 But yeah that commenter is right - VTSAX and VTI are basically same thing, just one is ETF and other is mutual fund. You'd be doubling up for no reason I went through this same confusion when I started few years back. VTI already gives you total market exposure so adding VOO (which is just S&P 500) is kinda redundant since VTI includes those companies anyway. Maybe just stick with VTI for now and add some international later when you understand it better, even if returns aren't as flashy the diversification helps 😂

InternetSlave

All you have to do is buy VTI. If you bought 2 months ago you'd be in the green. If you bought 2 years ago you'd be in the green. Stop listening to Zoomer stock influencers

Immediate-Run-7085

Have you actually looked into what VTI, VOO and VTSAX hold? Put in some work into researching instead if of just blindly following

razehound

Yeah not interchangeable. Ik its wierd but you really should just have it all in VT Or if you like to "diversify", do 60% VTI and 40% VXUS (same thing) 

Mr_Beast

Are you able to keep putting a consistent amount in each month? If so, I would just put it all in now in something broad and diversified—VT, VTI, VOO, or hell I guess even a target date fund—and set up an auto-contribution. Then, here’s the important part, forget it about it, and don’t stress over every up and down. Just set and forget.

JealousFuel8195

VT includes international. VTI is similar to VOO

Typical_Web_2125

I hold VTI which already has all of these funds. The basic principles of broad, diversified ETF exposure apply to all account types. The main difference outside your retirement accounts is being tax-aware; you want to prioritize low-turnover, passively managed ETFs like VOO (S&P 500) or VTI (Total US Stock Market). These are highly 'tax-efficient' because they rarely sell internal holdings, meaning they don't trigger the frequent capital gains tax hits you might find in actively managed funds. The more important issue is your timeframe. Often, people use taxable accounts for mid-term goals like a house down payment. If you need the money in 3–5 years, that suggests a more conservative strategy (like a money market fund or SGOV), not individual stocks, which are far riskier. If you’re in it for the long haul, an aggressive strategy weighted heavily toward broad stock ETFs makes sense. The individual stock game is ultimately just that—a game. It rarely makes sense as a primary strategy. If you have an itch to gamble, keep it to a 'sandbox' account. If your 401k has $100k and your taxable has $3k, losing that $3k won’t ruin your future, but personally, I’d rather keep all my money working hard to fund my life.

Typical_Web_2125

Dude just DCA into VT or VTI or VOO & VXUS (Boglehead style) and you are guaranteed to make money in the long term. Never do single stocks because it is too risky and not diversified.

MovingToSeattleSoon

SPY is large-cap only (S&P 500 index) and VTI includes large, mid, and small-cap. Large cap has done exceptionally well for \~15 years but that is not always the case, historically. VTI could easily outperform SPY over the next 10 years, but who knows. Large caps show no signs of slowing right now

bigmac9

VTI and chill.

Lynx-1

This may be true, but the comment you replied to was comparing SPY to VOO, not VTI.

hamilkwarg

Voo is diversified. Putting it in anything other than, say, VTI would undiversify it.

kirlandwater

Is this savings in addition to your retirement accounts? Or is this all you’ve got? If you’re just looking to add more with your savings instead of letting it sit, you can toss it into SWVXX which is a money market fund paying ~3.8% (last I checked) and should always be at $1. Much better than your savings account paying 0.1% If this is your only investment and you want to start saving for retirement and to create long term wealth, stick it into VTI and continue to add money into it every paycheck, even if it’s just a little bit, and then don’t worry about the global recession tomorrow, or next year, or anything for the next 30 years. There has been no 20 year long period where the overall US market has not gone up. You’ll be alright.

MovingToSeattleSoon

SPY is large-cap only (S&P 500 index) and VTI includes large, mid, and small-cap. Large cap has done exceptionally well for \~15 years but that is not always the case and may not be going forward. VTI could easily outperform SPY over the next 10 years, but who knows. Large caps show no signs of slowing right now

MysteriousCoat1692

Put the money in SGOV. Every last day of the month go in and sell 1,700 of SGOV and buy 1,700 of VTI (total US market if in the US). If you're able to do that whether the number is up or down, you're ready to invest. Also, consider reading up on Boglehead philosophy given your anxieties. 1,700 per month will let you DCA the money over a year and learn in the process.

1ManMilitiaa

ETFs, by far, are the best option for you right now. Stop trend chasing and go for some long term growth. VT, VTI, VOO, SPMO, or SCHG are all general tickers you’ll see a lot. *Not financial advice*

newmes

VTI or VT and chill

sperginsturgeon

Everyone is giving you conservative etf. I would say to also consider QQQ or QQQM. VOO and VTI are cool, but who cares. Go straight for the meat and potatoes. If QQQ takes a fat shit the rest of the world will too. You're young, risk is acceptable IMO.

fatogato

Compare your graph over the same time period as an index fund like VTI

Smart-Plantain4032

I really like spy. I know it’s like VTI but I made more money with spy somehow 

Mr_Strol

VTI is up 3.5% and you’re blaming your horrid -30% on fears, tweets n trump? 😂😂

whamra

VOO, VTI, VXUS. Just 3 examples, but enough for most of the world. Put 80% of your money in them. Never touch them. No selling winners, no buying losers, nothing. You don't touch them. The remaining 20%? I won't be a harsh parent, play there. But only 20%.

oldschoolczar

VTI/VXUS. Pick your ratio. Typically in the past it’s been recommended to do 75/25. These days I’ve seen advisors recommending even 60/40.

SebbyNietz

I just moved from VTI/VXUS to VYM/VYMI yesterday in my retirement accounts. Not a perfect situation, but I'm not comfortable holding MAG7 right this second. VYM's single biggest holding is 6% Broadcom, which I think still mostly benefits from the AI craze as a pick-and-shovel seller. And at least I get some sweet, sweet dividends in the meantime.

WallStreetBoners

She also has a lot of treasuries. And that’s exactly what I’m reallocating to. VTI -> SGOV. Still has a lot of RSP, BRK, VTI. IMO since the port is >$3M it doesn’t make sense to be 100% treasuries.

mx5plus2cones

Sold my 20 calls of UNH . Sold 50% of my 401k and IRA , about $1.4m almost exclusively camped on in VTI and VXUS yesterday, for the 5th time this year.... Hedging against TACO man to see what happens on Thursday morning. Since TACO man is getting to be pretty consistent at stirring up shit, it almost an exception to long term hold and dont touch. 25.4% ytd for me so far.

Dirkredblade

Good luck, this is literally how my parents turned about 200k in 1998 to about $1 million now. Never sold their losses, but when things looked rocky, kept new contributions in their retirement HYSA equivalent, waiting for the perfect time. I guess they did ok, but if they had just kept that 200k invested in 75% VTI / 25% VXUS they would have $1,850,000- so 185% more. Hartford funds has a study showing if you miss the 10 best days in a 30 YEAR period, you cut your return rate in half and if you manage to miss the 30 best days, you cut your returns by 85%. I'm sure you won't though, you're different and smarter than most investors.

TheSchneid

I want to know what his time horizon is because I also don’t fuck w options but I’m up like 115% in the past 5 years too I meant VTI is up more than 35% in the past year alone…

Cute_Mountain3956

Honestly if your restaurants are solid and throwing cash, I’d treat stocks like a long term side quest, not the main game. Max something boring like VOO/VTI or global index funds on autopilot, maybe 70 to 80 percent, then keep 20 to 30 percent in stuff you’re actually curious about so you don’t get FOMO. Since you’re not trying to day trade from a kitchen line, I’d focus on: low fee index ETFs, diversify outside your region, and just DCA every month no matter what the market is doing. WSB answer is YOLO calls on SPY, actual answer is let your restaurants be the risk and your portfolio be the chill one.

PM_ME_UR_FAV_NHENTAI

Are you really attempting to FIRE with just 800k? Money is truly wasted on the regarded. If you just stuck it in VTI and just kept working like a sensible person you’d be able to afford a decent life instead of penny pinching in some hermit hovel in Oklahoma with no health insurance.

Snoo_69177

This is why smart investors DCA into the market. VTI is a great long term hold/investment, you need to think years ahead, not 20 days.

AnselmoHatesFascists

VTI just went from about $341 to $311 from the end of Feb through end of March, that's your 10% drop right there. If you sold, you'd have missed this next leg up.

crazybutthole

You are missing that they (the ETF fund provider) is selling covered calls to pay you income. They are charging you fees - and eroding the QQQ underlying and you will "triggering a taxable event" every month when they send you distribution/dividend/ whatever you want to call it. You would be better off to buy 100+ shares of QQQ or VOO or VTI and sell the covered calls your self and avoid the fees. Or just own the shares and hold. In 5-7 years when you need income sell a share or two every time you need (xx) dollars.

tankmode

put half your portfolio in broad market index funds  like VTI or SPY ,  then the 20-30% in ~10 stocks  (2-3% position size)   the  the rest in short term treasuries

subfloorthrowaway

Index funds. VTI/VOO for US, VXUS for International. Or VT for both. Absolutely no need to be looking at 20 stocks.

Potential_Salt_5780

After a brief scan, you have way too many tech stocks especially very risky ones. If and when the market tanks you will be in a world of hurt. I would transition more towards VOO or VTI. If you like tech then QQQ. I was very heavy on tech as 95% of my portfolio was AAPL from 2007. I slowly sold over the past 3-4 years now more than half of my holdings are broad market ETFs. If you like trading then use like 5% of your portfolio to invest in high risk/reward stocks.

mavprotocol

I’m invested in total US and total world and they have been okay. Just VTI/VXUS and chill and you’ll beat a majority in the long run

HipOut

All you doom and gloomers want to cope meanwhile I’ll keep buying VTI and VXUS and holding six month emergency fund 🤷‍♂️

Due_Marsupial_969

I'm a few days late, but just wanna say that you did good. I don't use VTI, but ES and MES. Getting out with a scratch or breakeven when something doesn't feel right is a good trade. I've done very well in the last 2 months, but I've gotten out with as little as $168 on some trades only to watch the market rip. Better safe than sorry. I went against my gut and reality and stayed in after shorting the market with a few contracts. Now I'm over 100 points down and holding. Whether the US resume the killings again or not, this is a bad trade because I shouldn't have stayed waiting for a downward move.

cdude

Personally i'd go 100% VTI. If you want to diversify into international, split with VXUS. Drop all those dividends and income funds. I wouldn't be holding individual stocks if I wanted a "set and forget" approach but that's your risk to take.

Powerful-Orchid1270

Just curious on your thoughts on my portfolio. Always open to advice. So I have just over $16k in a private brokerage account and then about $36k in a 457 through my employer. The 457 is split 50/50 between a large cap fund and a target retirement date fund The $16k in my brokerage account is divided as follows: 22% FGRIX (fidelity growth and income fund) 20% SCHD 19% VTI 18% VIG 6% SCHG 6% VTWO 6% AMZN 3% SHOP I kind of prefer a “set it and forget it” approach and don’t necessarily want to worry about trying to buy and sell stocks at the right time. What do you guys think? Also, just for reference, I have about 20 years until I retire and put $350 in each of my accounts each month.

GatorBo69

I agree, this is the year that increases or creates generational wealth for a lot of people. AI and the Space sector are the two major growth areas with no true ceiling. That’s why I’ll never sell my original 2,000 shares of each VOO, VTI, SCHD and THTA that I’ve had for 4 years, obvs those share numbers are higher now bc of reinvested dividends. (THTA being the only one that I have had since April of last year when it dropped a good $6 a share bc of Trump’s tariffs but it’s an amazing monthly dividend stock) I’ve also started looking at unconventional and outside the box investment opportunities over 2 years ago. That’s how I got into Fundrise and had $50k turn into 3200 shares of VCX along with the max $10k preIPO I was offered to buy accounting for around 500 of unrestricted shares that I got lucky and put a limit sell of $500 on after the day 2 insane rally. I just wanted to get into SpaceX somehow other than DXYZ & XOVR. Wealthfront has been a fun experiment that I put $10,000 into and let it be ran by their AI and has produced a decent 9% return in 6 months time. I also have shares of preIPO companies Frontieras (a company I’m REALLY high on) and RadTech. Just always looking for “outside the box” opportunities that could pay off big down the road. Btw, off hour trading is down 1% already… I may be putting $20k in if it reaches 5% this week.

GatorBo69

I see a MASSIVE drop coming this week. Last Friday I sold all of my positions in AVGO 50%, Tesla 25%, and left the remaining 25% spread out equally in VOO, VTI, SCHD & THTA untouched. Along with the $100k I hold in physical precious metals 75% Silver 25% Gold; both in American Eagle coins, all of which I have no plan on selling ever and will pass down to my children. I sold on Friday right before close on AVGO and Tesla, not because I don’t believe in them, but bc we just hit RECORD highs across the board and I’ve been holding these companies for 4 years. As a 45 year old man, I now am holding onto $420k in cash in my 4.25% high yield savings account for the near future. I personally, see another massive drop coming but like everyone, we have NO fucking clue. One thing I have learned under the Trump administration is that he has manipulated the stock market more than any other President I have seen. I learned that lesson the hard way his first go around. And although I don’t like the guy, I have profited GREATLY off of his second term. Selling all of my crazy gains on April 1st of 2025.. I did miss this year’s peak bc of the war threw me off, but luckily I held strong with AVGO & Tesla through the nightmare drop to make another absolute killing. I will be sitting on this cash while slowly buying up certain value stocks either during this week or the next, or maybe waiting out the month. But I have learned to time Trump’s actions ridiculously well, and I admit gotten very lucky, that he has made me outperform my Fisher Investment portfolio, which is 70% of my total assets and they have been averaging an insane 25% annual return these past 4 years. I started with my $200k in cash about 3 years ago and have turned it into close to a million. And this was just my “play around money”. Make no mistake, I am CONVINCED that Trump has manipulated the stock market to make ridiculous sums of money for himself and those close to him. I don’t like the man, but I like what he’s done for me. Now, watch me be looking like an idiot while AVGO and Tesla continue to climb, but like any investor will say, never get greedy, especially when I saw over 1,000% gains over the past 4 years combined in these two companies. (Mainly AVGO when I got 2,000 shares at $40, and 500 shares of Tesla for $113) But if they stay strong then I’ll simply wait for them to eventually correlate so I can get back in, especially with AVGO. I already feel dumb for exiting what I personally feel is a massively undervalued stock. Tesla is way overvalued and volatile for me. Now I’m buying up RKLB & PL as I believe as being the #2 & #3 publicly traded Space companies, you’re going to see a big boost in their performances by proxy from SpaceX. Which SpaceX is another stock I will be getting heavy into only after a good month when it drops from the initial FOMO it receives.

simplequestions2make

“Any etf that has over 100 holdings. No primary international holdings. No options.” Qqq. Spy. Voo. VTI. Etc ..

Tricky_Let2806

It’s gambling if you’re a dummy. If you have paper hands and sell on a 5% dip, don’t even bother just go to the boggleheads sub lol. 20-30 years VTI and forget

Gourdon_Gekko

VTI diamond hand club

Qs9bxNKZ

Recognize you need to potentially do things like avoiding wash sales. This is why having a portfolio incorporating something like VTI and QQQ can help. You use them as the buffer for cashing out as you readjust the cost basis. Don’t bother if the gap is 10% or less in profit.

Antique-Traveler

But they were discussing it too though? Their suggestion "buy VT or VXUS/VTI" is the solution, no? Past that, it would be diversifying beyond just equities into bonds and other assets. If not, then can you actually suggest something instead of just shooting down every idea? Even if things are changing, what exactly are you suggesting?

Wide-Idea1592

I’m a 21m who’s had about a year of stock trading experience (SPX +20% so far), who would like some advice on my portfolio from some more advanced traders. I’m an American citizen currently paying through a pretty exclusive and expensive double major drama + international business program, and this is my college fund, so my purchases are somewhat short term. With that in mind I don’t do options trading since I can’t afford to lose the funds. Here’s what I own, and my rationale: 83.6k total in assets 7 shares SPY: Index Diversification from VOO and VTI, have held for about a year which has resulted in good profit. I probably would sell it and change for VOO at this point, but I don’t want to pay taxes on my gains yet. 34 shares GLD: I bought into GLD on the most recent dip because I wanted to diversify my portfolio. GLD essentially replaced the position of bonds in my portfolio. 21 shares VTI + 11 shares VOO: these are pretty self explanatory 37 shares CVX: I bought CVX at the beginning of the Iran crisis but never cashed in the gains (which I probably should have), so I’ve just decided to hold long term. 52 shares NFLX: Just added this to my portfolio Friday night since from what I can tell it got oversold after news of the co-founder leaving dropped. I have a sell order place for a as soon as the stock recovers back to 108. 2 shares DIA: same situation as SPY NVDA: this isn’t pictured because I don’t own any shares right now, but I had about 8k in NVDA I profit took at 201.80, and plan on buying back in around 185 when it dips again. I’m holding about 30k in cash with 3.5% APY on this Webull account as well for security. Also have a Roth IRA where I have 6k in VOO. That account is super long term. Any advice is welcome! Thanks!

IncidentSome4403

Then don’t buy the S&P 500, buy VT or VXUS/VTI.

Safe-Informal

For a vast majority of people, day trading stocks is gambling. For a small percentage of people, day trading is a well paying career. For a vast majority of people, playing poker in Vegas is gambling. For a small percentage of people, being a professional poker player is a well paying career. It is the tortoise/hare story. People want the fast money, so they buy high risk stocks. They may win big or lose big. Other people invest in VOO, VTI, or VT and let it sit for years or decades and become wealthy. They are playing the long game.

Miamiconnectionexo

maxing the roth and getting the full employer match is already a solid foundation at 36. with $25k in the hysa you probably have enough emergency fund covered, so putting extra into a brokerage account with VTI or VOO makes total sense for flexible long term growth.

Lakeview121

Not really. I hold QqqM,SPMO, SMH, SCHB and VTI. None have really exploded the same way as, say, Micron. The 1 year return on VOO was 34.9%. Still very good. I’m not saying these returns are sustainable.