VTI

BobtheChemist

Moving to an IRA at Fidelity or Schwab is a good solution. They will help setup and move the funds. Then invest in a few etfs like VOO VTI or their similar funds. Stay away from Edward Jones or other costly companies.

0pted0ut

Do you suck at picking stocks or are you panicking and selling when it drops? If you are doing any research and feel you are picking good stocks then you need to have a little more testicular fortitude. If you are just winging it, you should quit doing that lol. Keep stacking shares in safe places like VTI or something.

GeneralKrunch

Mother of god that’s awful OP, but your life isn’t over, you’re presumably young and have the very valuable asset of time on your side. Scrape pennys and get out of debt, and if you ever invest in anything more, work on getting that compounding interest to snowball thru $VTI + $VXUS. It’s not nearly as fun, but r/boggleheads is one of, if not the easiest, safest, highest odds strat to actually grow your portfolio Best of luck OP and hang in there

bc_this_is_America

Add to it the (not so) low-key devaluing of the dollar. Best bet might be to just keep investing in VT, VOO, or VTI. I've added quite a bit of VXUS and VEA (to overweight developed markets) in order to bump my international exposure to around 40%.

sneakyxxrocket

1 YR VTI +14.03% 1 YR VXUS +32.93% So much winning.

a5ehren

If he’d stacked VTI he’d have like 300k instead of -60k. Even if he did a terrible pick like BND he’d have like 150k+dividends

Faint_of_Arts

With yur income ye, traditional is out and Roth only via bakdoor. tbh, just tossing it in a taxable with VTI/VOO is chill. CD’s fine for now too if you wnt low risk. Bro, depends if you’re cool with market swings or want safe 4% lmao.

cdude

The IRA limit is only $7k, so while you should contribute to it yearly, in the context of $175k, it's an insignificant amount. Yes, you should invest in VTI or VOO. But you need more research and experience. Someone who has been investing for years, been through many downturns, with hundreds of thousands invested, would be fine with having all their money in index funds. If this is your very first time investing, you need to understand more before dropping $175k. Do you know what will you do if the market drops 25% this year?

Condog5

Invest in a EFT and you don't have to think mate VOO / VT / VTI something like that. If youre trying to battle single stock youre more likely to lose a lot of money, unless youre a genius or very lucky.

FairDefinition6108

VTI and chill

HardlyDecent

r/investing first of all. This place is largely for trading stocks. For investing you want to use a minimal fee platform like Robinhood or Vanguard and buy and hold, which a lot of people do by finding a broad coverage ETF like VOO (just fortune 500) or VTI (total market--broader coverage)--there are several, all pretty equal. Buy it and hold until retirement.

ShadyShroomz

for what, all US stocks? or the S&P 500? because all US stocks being 4-5% is pretty standard.. but I'd say more people here are VOO and chill rather than VTI and chill. and VOO will likely average more than 4-5% per year over the next decade...

Qs9bxNKZ

My equites setup is 40% VTI and 40% QQQ. I only have about $100K direct in MSFT because it organically grew to that amount. IMO you want more broad base exposure and you can get access to companies like MSFT or NVDA through ETFs because those large caps are over represented MSFT is an AI software play. They are in the forefront against Claude and Cursor. It is an inexpensive choice for large businesses at this time and their GitHub hosting can’t be beat (either on premise or cloud hosted) Do not go more than 10% MSFT though.

bobby1128

I get the appeal of SCHD for the dividend focus, but VTI already gives you broad exposure. Since you've got the S&P 500 in your 403B, I'd personally keep a mix so I'm not leaning too hard on just dividends or just growth. That way you've got balance between income and long term compounding.

jw30m

Loaded question. Like the OP, your current age and time horizon are really important to understand for investing for retirement. In general, I prefer buying broad market-based index funds like VOO, IVV, VTI, or similar, because of the long-term rise in US stocks as a whole. But that's a gross oversimplification. I would prefer an ETF like SGOV over CDs, for it's liquidity. Many brokers over something similar for cash sweeps.

HoneyBadger552

could make it easy with VTI or even IVV. If you want risk, throw in SPMO or some emerging countries/markets ETF

AYamHah

1. Remember a Roth IRA is just a type of bag with special tax rules. You need to buy investments to put into that bag (e.g. VTI, VOO). 2. A Roth IRA has low contribution limits. Max those, and then contribute by buying investments in other accounts (401k, brokerage). 3. Roth IRA is the best tax advantages (Typically, depending on your scenario) but due to contribution limits, not enough on it's own for a retirement plan.

bobdevnul

\>I feel like I shouldn’t only do the IRA That is probably correct. Save and invest for the goals of your life. The first priority is an emergency fund in low risk, liquid savings of enough to cover several months of loss of income or other unplanned expenses. This belongs in a HYSA, money market fund, or short term bond fund. This is more personal insurance than an investment. The next priority is investing enough for a comfortable retirement. A guideline for that is 15%-25% of gross (before taxes) income. The annual IRA contribution limit of $7,500 is 15% of a $50K income. If you make more than that you need to invest more for retirement. If your employment has 401K type retirement accounts with some employer matching it is best to contribute enough to that to get the free money employer match before contributing to a Roth IRA, then contribute any more that is appropriate to the Roth IRA. Employer matches count toward the percent of gross income. Jobs with pensions require additional calculation of how much is needed to invest for retirement. After those save and invest what you can for other life goals - car, home down payment, marriage, children, vacation, entertainment, etc. - whatever applies to you. VOO historically has been a good long term investment. Some people prefer more diversification beyond the top 500 US companies and including companies outside of the US. An example of that would be 70%:30% VTI:VXUS or VT which is basically that combination.

PennyStonkingtonIII

I would go with VOO. It has a lower expense ratio and it focuses on value and growth. The main thing you'd want to do, imo, with a position like VOO is to keep adding and never sell until much later in life. VOO is the better candidate for that - it should have steadier growth with less drawdowns. It also pays higher dividends that you can reinvest. Putting everything in VOO is perfectly ok for someone your age, imo. What I personally do is reserve a certain amount of cash, 10% max, in a money market or short-term treasury so that if I see a good opportunity on an individual stock, I can buy it without having to sell any of my long-term positions. I also use the cash to buy dips on VOO or other long term investments. As far as other ETFs, I also like QQQM. VTI is also good. You really can't go wrong with any of the Boglehead stuff. Probably the biggest thing when starting out is avoiding making mistakes. Keep it simple. It takes some time to get a feel for investing, go through a few market cycles, see your portfolio grow, etc. It's very easy to do too much.

LordSnarfington

If you're scared before you put in any money then don't pick stocks. I'm not trying to be mean but you're extremely unlikely to beat the market even if you do everything right, and it doesn't sound like you have the risk tolerance to hold through serious volatility. You're best bet is VOO, VTI and do not look at it.

michael_s0810

why not just start with some market following etf, like VTI / SPY?

Key_Lifeguard_8659

A good app to track ETFs and Stocks is the Google Finance app. It also has sections containing currency rates and foreign markets. Pretty intuitive... and updates on the fly. As for VTI, it tracks very similarly to VOO, which is a Vanguard fund containing the top 500 largest companies. Some brokerages have their own version. Many prefer SPYM, which is the same as VOO but it's a tiny bit cheaper. VTI is great though. As for the turbulent times ahead...He's likely to get crushed during the midterms... so have faith.

Lazy_Range_1562

Ok, wow… thank you. I like this. Its simple. On some thread ( have a screenshot somewhere) a person said the VTI that excludes the US did 33% last year, and bc i read so much ( terrified abt the US having or in process of losing its democracy) i was interested in getting away from the dollar to a degree. Is there a main website that you can see the different funds and how they track? An easy one for beginners? Was going to try to get my one college age daughter to begin investing and learn the ropes. I cant teach her tho bc idk myself. Shes wicked smart. Has grown up in near poverty ya know? If i told u some stuff we endured, u wouldn't believe it. She was like a slave building and remodeling. Really dirty work. Be cool to let her see she has financial safety/Knowledge in investing.

Key_Lifeguard_8659

I have a good portfolio template for ya. For starters, unless you know a great deal about investing, keep it simple and invest in ETFs only. Each ETF (Exchange Traded Fund) is like a basket of stocks. Some contain hundreds, or even thousands of stocks in a single ETF. You want ur portfolio to have a main ETF, which most refer to as their core position. I like to pick one of the ETFs known for its stability and ability to grow. Vanguard has a few you could consider but I'll save you I time and suggest VTI. VTI will become your core position and I recommend 50% of your money go to it. Next, you want to add a little diversification and I suggest VXUS at 20%, I would be doing you a disservice if I didn't recommend a very popular ETF that's been a growth engine for my portfolio and it's got the ticker AVDV...Also at 20%. You now have 10% to put on something spicy and I would suggest the SOXQ ETF. It's riskier, but provides more reward and has a reputation for beating the S&P 500 benchmark... no easy task. Just expect it may be more volatile than the others. My last piece of advice is " don't panic." Hold the course and keep adding as much as you can you can to keep these positions at these percentages. If after 6 months to a year, you've learned enough and want to change something, go for it. But this template is good for the times we're living in. Others would have you invest only in VT...Which basically contains every US company and a chunk of international companies to boot...But I think you can do better with that template.

slacker_intech

100% VTI

guachi01

I'd just put the money in VTI or VT and call it a day if you aren't close to retirement. My current allotment: 66.5% VTI (all US stocks) 3.6% SCHD (mostly mid and large cap dividend stocks) 1.2% VXUS (ex-US stocks) 1.0% First Interstate Bank (I used to work there years ago) 0.3% DGRO (Dividend growth) 20.7% corporate bond funds (high yield that are averaging about 6.5% return) 5.6% 19-year US Treasuries (I bought them last year when they were 20-year Treasuries) 0.4% 0-3 month Treasuries 0.4% cash

razorgatortt

At 32, VTI all the way. One thing to consider with 403b are taxes with RMD. Are you contributing to a Roth as well? Also consider is slowly rolling over your 403b into your Roth when you’re 59.5. Again, those pesky taxes

JoshGordon10

It's top 4 holdings are Microsoft, Nvidia, Apple and Alphabet so it's not staying away from big tech, and yet it's way underperformed VTI or VOO over 1Y, 5Y, 15Y... +4% total over the last 5Y's bull market since COVID is *atrocious*. It has an expense ratio of 71bps. It says its benchmark is the Russell 1000 Growth index, but that is up 14% 1Y and this fund is down 5.7%... I can't find a single redeeming point in favor of this fund over MGK (Vanguard Mega Cap Growth), VOO (Vanguard SP500), VONG (Vanguard Russell 1000), or VTI (Vanguard Total Market) depending on how risky and tech-heavy vs diversified you want to go. To anyone reading this, if there's something I'm missing, let me know.

Uisce-beatha

ITOT is core S&P and is similar to VTI while IXUS is similar to VXUS

MotivatingElectrons

https://preview.redd.it/ikeekn8b5lig1.png?width=1080&format=png&auto=webp&s=b34adbe1bbedd51eea610975acec6c9c10cca84f Amazon has failed to beat the Total US Stock Market (VTI) returns over the last five years with much higher risk. FWIW, I canceled my Prime account \~13 months ago and more and more friends and family members are following suit. The product has been too "enshitified" to justify the membership. It's filled with crap products and bot reviews. Mostly junk at this point. AWS is still a money maker with high margins, but has growing competition in that space.

Lazy_Range_1562

May i ask a question? Ive been reading as much as i can especially on this sub, but im still sorta lost…never invested before. I like carpentry, recently sold a small house that i had built out of pocket over 14 years. So i have some money now, but what to do with it? So … if you had 300 k to invest and abt zero knowledge… what would you put it in? What % maybe…like half into VTI, (excluding US), or VOO? other half index funds or …? ( im still reading what an ETA is. Its like a different language that ive never spoken before). Maybe individual stocks ? amazon, google, microsoft? (10-20k each?) Would you add some T bonds? Ugh…sorry to even ask. Hope you or another redditor has time for advice. Am lost.

SadWhail

For most people just letting VTI ride usually beats trying to chase dividends. Divs only matter if you actually need the cash flow.

sirauron14

That’s something I thought of too! I think I may just do that. Or maybe buy VTI back later on. I’ll give it some thought

sirzoop

no you should put new money into schd and hold VTI

Meadhead81

1K if your kid was born in 2026 and 1K for a kid born up to 2028 or something… It’s a solid opportunity. Imagine if you could dump in 5K annually and what that would look like at 18 invested in VTI or similar. Then roll all of that into a Roth at 18 and let it ride until their retirement. Almost 20 years of growth by the time they are graduating high school, they will barely need to put their own money away for retirement. Huge opportunity IMO. I’ve been looking at Roth contributions for my child but I was limited with the income retirement so unless you want to do some shenanigans, then you’re limited to put cash away for them until they are of legal working age (15.5), which sucks.

Psa271

You could keep VTI for broad exposure and let your 403B cover the S&P 500. Switching to SCHD just for dividends is fine if you want income, but it might tilt your overall allocation toward dividend stocks.

AYamHah

If the fee for VTI on robinhood is the same as on Fidelity, seems like a good deal. TBH you don't really need customer support at this level once you figure out how the app work.

Gh0st_Pirate_LeChuck

Do you want it as an income or an investment? People switch to dividends when they retire not when they’re trying to save as much as possible. Also, VTI has pretty good dividends. I’m up 32% in the past two years for my VTI retirement account too.

plshelpmebuddah

Are you going to keep going? Or will you just throw it into VTI and chill?

sirauron14

The reason I ask if I sound sell VTI is because I have retirement fund in S&P 500 fund already

Fresh-Spankins

I sold all my VTI for HYMC. Up big time!

leaning_on_a_wheel

With dividends you likely sacrifice growth for income and stability. Unless you’re already old it’s usually going to be better to focus on growth. Stick with VTI and rotate into SCHD when the income becomes important to you.

jer_nyc84

VTI is the better fund.

sirauron14

I have a VTI equivalent in my retirement. Wouldn’t having them be an overexposure?

Vig_Newtons

As a holder of both, it would make zero sense. SCHD has underperformed over the last 1,3 and 5 years. It's benefiting from the uncertainty but that too shall pass quickly. Hold VTI steady.

djskeets15

VTI has outperformed schd over the last 10 years. I prefer to make more over time vs less.

Emotional-Power-7242

Consolidation is definitely the play here. 60% VTI/40% VXUS would be ideal. You could do 60 VTI/30 VXUS/10 Individual if you must do individual, but that portion is likely to underperform. You can just sell and rebalance immediately, there's no downside to selling in an IRA.

malignantz

Consider just going with some ETFs like $VTI and $VXUS. Almost 100% chance of having higher returns. Just sayin

Royroy87

You have 37 different stocks in just 30% of your portfolio? Hot damm man they arnt Pokemon. And why do you hold VTI+VOO+SPY? Its almost the same thing 3 times for no reason. I think consolidate etf to just VTI or VOO and maybe consider small caps/exus. Id reduce most single stocks to like tops 15 individual stocks, and even then it’s cluttered as hell.

_galaga_

I’m an idiot. Your post made me realize the utility of the VTI/ITOT ping pong. Derp. Thanks, sir.

StatisticalMan

There is zero advantage of owning VTI at Vanguard over Fidelity. That is one of the huge draws of ETFs (in taxable accounts). They are universally portable. If your taxable account is all ETFs and Fidelity does something to piss you off you can transfer it to Schwab or Vanguard or M1 or robin hood or Interactive Brokers or wherever without added fees or axes.

Adventurous_Elk_4039

Maybe just lack of awareness, the Vanguard funds are more well known, etc. or they like to be able to watch a ETF go up and down throughout the day. I’m on your side though, I also have FSKAX/FTIHX instead of VTI/VXUS. In the end it doesn’t make a huge difference though.

StatisticalMan

I prefer ETFs in taxable for a variety of reasons * usually lower ER * better tax efficiency * easier to tax loss harvest (sell VTI and buy ITOT) * universally portable For ETFs (as opposed to mutual funds) there is no downside to owning an ETF from a different fund family (i.e. Vanguard ETF at Schwab brokerage, Schwab ETF at Fidelity brokerage). In tax sheltered accounts it is largely a preference. My Roth IRA is simply 100% FZROX.

BurnsinTX

I’m not the OC but this is what I do. It’s not a tech company and returns have been so/so but VTI has done better than company stock. I sell it as soon as it arrives and transfer to something else

Turbinator870

You can invest in fractional shares of a stock or ETF (meaning, if the share costs $100, you don't need $100 to buy in... usually $5 will suffice). Check which brokerages or apps offer this. I think HOOD does. Then, to get yourself started, strongly consider an index fund such as the VOO or VTI as your first pick. You don't want to get into the business of stock picking yet. You want to get a foothold position established, to form on a base, on which you can consistently build. Good luck. There is a lot of advice available here for free on RDDT.

pain474

VTI and chill, you're welcome.

No_Current3675

Bro, you should consider just buying VTI and chill. This isn't for you.

Just-Here2-Learn

Of 85% stock portfolio 67% VTI 33% VSUX Rest 5% BRK B 4% BNDS 1% BNDX 5% SPAXX

SylvesterStapwn

Broad Stock market returns double in value on average every 7 years. After 30 years your investment in VTI would like be with 2.5mil.

Furshake

If you're going to have that much in an ETF anyways then I wouldn't gamble 10% on one stock. I'd pick an ETF that's capable of outperforming VT. There are quite a few that have not counting VOO/VTI.

Dull_Needleworker698

80% of my portfolio is VTI/VXUS but that's cool.

EveryPassage

Yes, but index funds don't rebalance everyday. They have a set quarterly or annual schedule. Overall, index funds like VOO and VTI typically only turnover <10% of their portfolio every year.

RudyJuliani

What drop? I sit in VTI, VXUS, SCHD… one day my vanguard holdings dropped by just under 2%, then they were up by 2% the next day. SCHD has been jumping. What am I missing?

Vilgan

Edward Jones is truly horrendous. Their fees are absurd. Their value is negative. Move all your money there to a legit broker. I personally like Fidelity > Vanguard > Scwab. Even Webull or Robinhood are WAY better. Then put all your money in VTI + VXUS (or ITOT/IXUS) and ignore it.

Select_Reply

Hope you don't mind some more questions, I was wondering why people are asking about VTI and not VOO. It seems like there's a clear consensus of no trust in this company, Elon, etc. Is it a generally adviseable statement to hold on contributing to investments before the IPO? I currently just invest in VOO, and was looking to start in non-us like VWO or SCHF. I'm not looking for professional advice, just trying to understand the ballgame better.

MakeHerSquirtIe

This does not matter. I’ve seen 10 of these posts in the last week. Just stop it, please. I say this as someone who also thinks TwitterSpaceXis a financial joke, as you’ve stated. The indexes are float adjusted. Look that up. They won’t be buying based on the entire cap of the IPO. More importantly, is the literal idea behind an index, which insulated you from exactly this issue. Even IF VTI went all in on the total market cap of the IPO evenly weighted. And the even IF TwitterSpaceX went from 1.5T to 0 overnight… VTI would drop…3%? Oh the humanity… The actual pressing concern for VTI is the greater market forces allowing us to be “okay” with these joke IPO valuations and what that means for valuations across the whole market. There could be actual systemic risk if the market crashes, but one IPO isn’t going to kill an index.

FINomad

Ok, what is your AUM fee with EJ and ML? What are the expense ratios of the funds you're in? And what other junk fees are you paying? Any commissions, quarterly fees, etc? Now compare your fees to Vanguard's advisor fees. It would cost you 0.30% for the advisor and they'll probably have you in a mix of VTI/VXUS/BND, which have an expense ratio of .03%/.05%/.03%. My bet is you're paying over 1% AUM and your expense ratios are at least .20%. You shouldn't be paying more than 0.35% combined.

EveryPassage

VTI's index is float adjusted. Meaning a huge fraction of SpaceX's market cap will not be included in the index because it's held by insiders and/or has other restrictions.

BoogieMan876

You haven't used copilot in vs code it seems , many big companies prefer that just bcuz you can access latest state of the art models right then in there in your IDE. Copilot is bigger and better structured than you think although I agree with everything else you said. Which is why I go with like VOO or VTI all of them I think will capture a specific marker with Google being at the forefront. Chatgpt will probably get acquired by msft

_galaga_

If you had all VTI, all VOO, or all NVDA you’d be 100% in equities, too. The difference is in the level of diversification and risk. I’m simply suggesting you could amp up the risk/reward a bit with VOO vs VTI at your age. Or maybe phrased slightly differently, among equity plays VTI is relatively conservative (imo).

Double-Intention4308

* 44 years old * Currently employed ($140,000/yr) * 401(k) that is mostly in a target date fund, with about 40% sitting in a value fund, international fund, and mid-cap fund. All new contributions go to the target date fund. * Roth IRA that is kind of a mess because I've held it forever, but can be modeled as something like 80% VTI + 20% VXUS. * Only debt is my mortgage, which is 3.75% * Fully funded emergency fund (two years) I'm trying to be better with my money. Due to a rocky upbringing, I have a lot of purely psychological roadblocks when it comes to investing. I'd like to start putting more money into my taxable brokerage account, and I'm looking for advice on what I could do in terms of an "intermediate" risk profile that sits somewhere between HYSA/SGOV combination that I've been defaulting to lately and the portfolio I have in my retirement accounts. I've considered a mix of defensive sector ETFs (XLU/XLV/XLP) and heavily "filtered" ETFs like SCHD and VIG. I've also considered bonds, but after 2022 I feel like I don't understand the underlying mechanisms well enough to buy into that. Treasuries might also be an option. If anyone has any suggestions I'd love to hear them.

brewgeoff

Now we can have AI start debates about the only two ETFs that exist, VOO and VTI.

1KTRDZ

Why not just do VTI or QQQM. You made some bets and they were not the right ones unfortunately.

Gloobloomoo

Because the market doesn’t believe Andy Jassy is a visionary like Bezos was. Iirc Bezos left around that time. And it’s hard to argue against it - Amazon broadly missed the AI boat. Non business users likely won’t know what genAI models Amazon has, or even what Amazon is doing with AI. The rest of the mag7 is used more directly by retail traders/users for tech than Amazon. No one care that half the world runs on Amazon, if the stock price doesn’t move. I still have my vested RSUs from when I worked there. I’d have been better off just selling and buying VTI.

shogunzek

This is close for me. $45k cash, which is 12% of 400k net worth. Monthly expenses around 6k and 33 yrs old though. $3k into VOO/VTI monthly, which is about 22% of gross monthly income. The rest into Bitcoin and vacations mainly.

Asad305

DCA into VOO/VTI and chill. Trying to time the bottom usually backfires. Maybe 10% into BTC if you're into that

DirtSubstantial5655

DCA into MSFT, AMZN, AAPL, VOO and VTI. Stay away from penny stocks but you can watch them for entertainment. I’m talking about BYND and stocks like that.

forreelforrealmang

VTI and chill or VOO

okcanadian94

if youre trying to speed run a divorce, try 0dte spy puts if youre trying to get rich quick, dont if you want something to save and earn interest, take whatever it is you can realistically save and divvy it up into VTI/SPY/VOO maybe some TNXT

UnObtainium17

He Andy Gassy till he beats VTI.

TropicalLebron

I just bought more VTI so it's going to go down now

DontPeeInTheWater

probably VTI

drs43821

Let start with VTI

Cruian

VT would be essentially the equivalent, VTI would not be as it is US only.

bobby1128

well If I had that kind of cash right now, I'd probably spread it out some into broad EFTs like VTI, a bit international, and then keep part in something steadier outside equities so I've been using Fundrise for real state since it doesn't swing as hard as stocks or crypto, and it helps me stay calm when everything's sliding...

SeanWoold

I'd love to see that too, but VTI and VOO are probably already bottomed out. I don't know that I have ever seen an ETF below 3 BP. The only mutual funds I've seen below that are FZROX and FXAIX but those are loss leaders.

bobby1128

with all that recession. I'm keeping some exposure in broad EFTs like VTI, but also I wanted something steadier outside stocks. I've started using Fundrise since real state feels less volatile than tech, and it helps me stay balanced long term.

obidamnkenobi

why not just go VTI/VXUS and mag7 exposure goes down by 2/3

PaleontologistOne919

But VTI & QQQ and delete app

Inevitable_Pin7755

Personally I’m not trying to be clever in panic markets. I split it into two buckets. One is boring and consistent. Broad ETFs like VTI or a global fund, added slowly over time. That’s the part I don’t touch or overthink. The second is conviction names I’m genuinely happy holding for years, not trades. For me that’s stuff like META or NFLX only if the valuation makes sense and the story hasn’t broken. I scale in rather than go all in because sentiment can stay ugly longer than expected. Anything more speculative like COIN, PLTR, ASTS I treat as optional upside only. Small size, no pressure. If it goes to zero it doesn’t change my life. Biggest thing for me is avoiding the urge to deploy everything at once just because prices are down. Cash is also a position when volatility is high. I write a short free newsletter about how I think through markets like this as a normal retail investor, link’s on my profile if that’s useful.

BlLB0

Im writting this slowly because i know you guys are slow readers and learners. broad market index tracking ETF, VTI fot US lads or VWCE for EU lads.

mhoepfin

If you are going to do high beta at least do a barbell with 50% in bonds or VTI.

3638R

If you put the $8k in VTI, and average 10% returns, it’s only 24 years until you have $80k to pay back those loans.

Whole-Reserve-4773

100% -> 60-80% VOO / VTI an the rest VXUS

No-Transportation843

VTI is down like.. 1%. I think everyone was in quantum or something 

Healthy_Radish

Been watching the same ~$2k swing in mostly VTI QQQ profile since October.  Seems the market is finally deciding to go on sale.

fastliketree9000

Why wasn't your nest egg in an index? VTI dipped 2%.

092Casey

Ive been wanting to get back in VTI studying its pullback past 3 months. So I limit bought back in at 333.50 today, which has been the support for a while. Of course its already under there After Hours. So to be proactive, I set limit buys for 320, 310, and 305.  Why do I know Taco will make the market suddenly blow right through those somehow? Yeah, I probably just bought back in on the "correction and it will go to at least 290 or something.

092Casey

Appreciate sincere advice, but I can assure you every time I buy an etf dip, it dips more and then all my money is tied up bc of the huge PPS. I bought VTI today at 333.5, lowest and has been support level for 3 months, and its already broken under, albeit AHs. So I set limit buys for 320, 317, 305, in case it goes lower....and knowing my luck it'll blow threw them. 

FrivolousShrimp

Strong GDP? With VTI (domestic) up 13% over 52 weeks while VTIAX (international) up 35%? Not since WW2 has international growth so handedly outpaced US domestic markets. We had the "lost decade", but we lagged by only single digit percentages. The US markets are only keeping up with the rate of devaluation of the dollar. The monkeys are running the zoo.