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?
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Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
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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?
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Its almost unbelievable. Like he could have just bought SPY/VTI and been up 20%
I’m so sick of seeing of seeing people dickriding Vanguard index funds and talking down to others as if knowing what VT/VTI/VOO is makes them a genius Vanguard index funds are like the most basic investment you can make. You’re not anything more than a spectator. It doesn’t make you a smart investor.
Why is 57% too good to be true? VTI is up about 142% since 2018.
VOO and VTI overlap with VTI holding 3000+ US companies and VOO holding only 500+ companies. If you want foreign exposure outside US, then VXUS is a good one. A dividend-focused one would be like SCHD. VGIT, BND, SGOV are all like investing in fixed income/bonds/HYSA so I would put a few percentage there for a safety net. Overall, if your goals are aggressive, I’d put like 50% in either just VOO or VTI. Split the remaining 50% among foreign exposure like VXUS, dividend exposure like SCHD, and fixed-income exposure like VGIT.
The down side is: * Your investment can loose a lot of money in a bear market. * Some pear markes last for years. * These are mostly growth funds. They produce tiny dividends. * The only way to get income from these funds is to sell shares. IF the market drops when you sell you could loose money. The first goal off a young investor to to develop: * a retirment fund (401K, IRA , Roth) and maxyout the contributions you are allowed to depoist every year. * Build a HYSA or money maker account of 6 months of cash living expenses (the money you tyicpally spending 6 months. Not your earnings. * And max your any other tax deferred investment opportunity you have such as HSA. Now typically fund like VOO and VTI are excellent choice for a retirment fund. For HSA a dividend fund may be a good choice. After that you should develops a taxable brokerage account: * You can invest more than 6 months of money in growth index funds like VOO and VTI. to supplement your cash emergancy fund. Growth index funds grow very fast potentially giving you sever years of living expenses. But you have to sell these fund income. preferably you want o only well when you can make a profit on the sail. You do not want to sell at a loss. * IFyou have a Roth IRA you have $7500 per year expense for the yearly deposit. Sao start investing hi high dividend fund for income preferably one with a low tax on the dividends you recieve.. A good choice is QQQI with a 13% yield. and you pay no tax for about 6 years on the dividends you recieve. You can build this up to cover the Roth IRA deposits. * After the roth expenses are covered start buildin up a different dividend fund to press other monthly expenses such as utility bills, insurance bills, and possibly enough to cover the monthly mortgage cost. Try to limit each dividned fund to about 50K invested. And try to make sure each fund invests your money differently. Keep this up until all regular monthly expenses are covered by passive income from dividends. Dividneds are cash profit chaser payments made directly into your brokerage account from the funds you invest in. now it will take time to build up enough dividend income to cover monthly bills but once you have it the loss of income for any reason from work would not result ins bankruptcy and loosing your home. And once your dividend income exceeds your monthly expenses you can consider retiring or reducing the number of hours you work each week.
I own 2223 shares of VTI Based
QQQ and VTI like every other day
You have the right idea and simple ETF investing will get you better results than 95%+ of people. Good tax efficiency too. I would avoid overlap though as others have said. Also consider some high yield cash equivalents while stocks are so high. For now I’d go with a stock market portfolio of 40% VTI 20% VT (global) and 40%SGOV until S&P PE for next years earnings is under 20. Then just 75% VTI and 25% VT when market corrects. When you reach 40yo, put 10% of your total portfolio in BND for bonds and increase 1% of your bond portion every birthday. Keep the stock portion with the same weighting. I got this strategy from Brinkeradvisor.com and have been following him with great success and returns for over 30 years.
Honestly, this looks solid for a **set-and-forget approach**. You’re building a **diversified foundation** with VTI and SCHF while keeping a smaller allocation for higher-conviction bets like ARKX. A few things to consider: * **VTI (50%)** – This gives you broad exposure to the total U.S. market. It’s low-maintenance and will likely keep growing steadily over time. Perfect for the core of a long-term portfolio. * **SCHF (30%)** – International exposure is smart. Many people overlook global diversification, and SCHF helps balance U.S. market swings. * **PPA (10%)** – Sector ETFs like PPA can tilt your portfolio toward industries you believe will outperform. Just keep in mind sector performance can be volatile, so monitor long-term trends rather than daily fluctuations. * **ARKX (10%)** – I like that you’re putting a small amount into thematic or higher-risk growth plays. This is the part of your portfolio that can **outperform dramatically** if the theme takes off, but keeping it small helps manage overall risk. If you want to add **QQQM**, think of it as another growth tilt. You’d likely reduce VTI slightly to make room since VTI already has heavy tech exposure. Overall, your allocation balances **stability** (VTI + SCHF) with **opportunity** (PPA + ARKX). The key is **consistency** and avoiding constant tinkering. Set it, forget it, and let compounding do its work.
100k into a HYSA. The rest split between 20% QQQ, 25% VTI, 15% XAR, 15% VXUS, 15% VB, 10% VAW. With this you can catch gains from materials, defense, and small caps all benefiting from the US grand strategy. Protection from downside risk with the large caps while catching their AI rise. Then you have the dry powder with the HYSA to add onto anything having a run like more commodities.
I'd skip the PPA and ARKX. Personally I bailed on all of my QQQ/M. If it's truly long term, like 20+ years, it could be as simple as VTI and SCHF.
>You’re also (inadvertently) cherry-picking data. There have been 10 year periods where VTI has underperformed a TDF. Picking the last 20 years is not cherry-picking. Prior to that, there were few retail investors, ETFs were not mainstream, and 401k's were less utilized.
VTI is US index market cap weighted. So it’s mostly S&P500, especially the mega caps. VOO is only S&P500 and also market cap weighted. Your entire portfolio would be VERY heavily tilted to the US S&P500. You will have no exposure to international. That’s a good bit of risk. People forget at this point, but the global stock market is cyclical. What goes up, eventually comes down. Tomorrow? The day before you retire? After you die? No clue, but you have a lot of risk in the US performing well. If nothing else just go with VTI and skip VOO. At least this way you get some exposure to US mid and small caps.
Keep in mind that the term "growth" in this context is essentially just a nice way of saying "overpriced" relative to PE (with "value" meaning "underpriced"). It does not mean that those stocks are expected to grow more in terms of stock price over time but that those companies need to grow profits just to justify their PE and current stock price. In fact, historically, value stocks have outperformed growth stocks by a wide margin, not surprisingly since that means buying underpriced stocks beats buying overpriced stocks, though, in recent times, growth has outperformed value due to the prominence of tech companies being "overpriced" relative to PE. I call this out because I am assuming your "heavy focus on growth" is in terms of your portfolio value and not because you have a general desire to hold overpriced stocks. Based on the history of the stock market, a "heavy focus on growth" would actually lead towards an overweighting of value stocks (e.g. VOOV) rather than growth/VOOG, even if VOOG has been winner lately. The questions of when/if the tech "bubble" will burst and when/if value stocks will regain their historical position of outperformance is something that has been talked about greatly going at least a decade or so back. No one knows. All that said, I personally keep the majority of my portfolio in VTI (similar to VOO but holds the total stock market) and then hold a percentage in VOOG as a means of overweighting tech. I also own a small number of individual tech companies as a further means of overweighting companies I specifically believe will outperform. I do not believe these overweightings in my portfolio will make sense over the long-long term i.e. I do not view VOOG as a viable "hold for life" ETF like I do VOO or VTI. I wish I had isolated these holdings in my tax advantaged accounts as now I find myself with very high capital gains in my taxable which vastly complicates figuring out how to take profits and pull back on this.
I just invested most of my free cash in VTI (70k), market can drop now
>The 10-year returns for the 2060 fund is 201% versus 284% for VTI. the last 10 years don't necessarily predict the next 10 years. I'm old enough to remember when the US market/S&P 500 went basically flat from 2000 to 2010 but international stocks, bonds and small cap US stocks were much better investments. don't put all your money on today's winners.
> I understand that target date fund should be providing a diversified, age-appropriate portfolio that gets more conservative over time. Yes. It’s a Honda civic. > I naively assumed they would not get particularly conservative until 10-20 years pre-target-date. Did you not read the prospectus? Or any of the publicly available data about the pre-planned lifecycle of the fund? > The 10-year returns for the 2060 fund is 201% versus 284% for VTI. You are comparing apples and oranges. TDFs never claim to compete with an all-stock fund in terms of performance. You’re also (inadvertently) cherry-picking data. There have been 10 year periods where VTI has underperformed a TDF. You can still generally expect VTI to outperform long term, but only looking at the last 10 years where there was a substantial US bull market is not a complete analysis. > Is the target date fund more stable or safer? Generally, yes. > How does this make sense? Answer this: who is the target audience for TDFs? And does you not being their target audience mean the TDFs are therefore useless?
Comparing VTI to a target date fund is apples to oranges. Compare a VTI+VXUS+bonds to a TDF.
>also FZROX I believe will sample the index, not buy every single company , This is common to other US total market funds as well. The other day I found it on VTI/VTSAX 's prospectus for example, I'd fully expect to see the same in FSKAX's.
I keep my 401k / roth IRA 100% VTI Brokerage holds my more risky investments. Even if I mess up and go -100% on brokerage, I'm still good to retire.
The OP does not understand how TD funds work ... and 201% vice 284% for VTI should be considered quite good, for a TDF!
Go back to last year, and VTTSX beat VTI by over 4%. International is the big difference.
Well, the market has really gone no where but up so of course VTI is going to beat it. The truer test would be to see how it performs when/if the market tanks. That would show how much of a hedge it really is.
Oh so you kept putting money into a sinking investment when you could've put it in semiconductors, gold, hell, even VTI or SPY to double your investment.
Target funds are crap IMO. I moved all of my retirement investments out of one and into VTI years ago and kept it that way. Way better returns, as you've pointed out, and lower expesne ratio. Bonds are dumb.
>VOO is a bit more riskier than VTI While VOO holds less stocks, the extra stocks VTI includes are riskier than the ones on VOO
You probably don’t need to do both VOO and VTI. You should also consider an international fund to diversify. You are you d enough that you could probably split between VTI and something like VXUS.
Taxable brokerage in a diversified etf like VOO or VTI.
Generally investing in passive broadly diversified funds like VOO and VTI make sense. As pointed out elsewhere, they overlap so pick one. The issue now is becoming that a few large tech consituents are an extremely high percentage of the index. It is worth temporarily considering an allocation to RSP, equal weighted S&P 500. I am also a big believer in global diversification, so consider adding an international developed (VE or IDEV) and an emerging ETF (EEM or VEA).
VOO is a bit more riskier than VTI. If you have enough emergency funds for 6 months, then I would say VTI
Here's a visual representation of the downside: https://totalrealreturns.com/s/VOO,VTI,VT,SPY,QQQ,VGT (both VOO and VTI lag behind just buy and hold with QQQ). For someone in 20s, I recommend VGT which is a pure growth ETF.
> My concern is primarily stemming from VGT's significant Nvidia holdings. I'm thinking QQQM can accomplish **the same goal**, while reducing volatility specific to Nvidia. But what *is* your goal? If your goal is just aggressive growth and portfolio value appreciation, being 100% stocks in a diversified index is max aggressive. *Buying into VGT or QQQM doesn't make your portfolio "more aggressive" since it's already 100% stocks. What you're doing is making specific concentration bets.* It's certainly possible to make the wrong bet. It's possible that over X time frame, VTI on its own will have more portfolio appreciation than the extra concentration in VGT (tech-specific bet) or QQQM (mega cap, non-financial bet). So that's why it's important to sit back and ask, what exactly is it you're trying to achieve, and how is investment X, Y, or Z the best fit to that objective? While also being cognizant which risks are typically seen as compensated, versus not compensated.
I’ll (35) just share what I have in my Roth IRA because I am not a financial advisor: 60-65% QQQM 35-40% VTI 0-1% SCHD For now, SCHD is just a scrap holding to utilize the whole portfolio. My percentages will shift every 5 years. But note, I also hold SCHG and SCHD in a taxable account. Those percentages are more like 65-70% SCHG & 30-35% SCHD. If I was younger (20-25) when I started investing (31) — I would probably be all in on VTI. I have my portfolio work a little harder because I started a little later. Little risky for some, but you have to do what you have to do. People see our choices, but not our opinions. Good luck out there :)
It's more like 80%. www.etfrc.com say there is 88% overlap between VOO and VTI, by weight, but S&P themselves say the S&P500 is [approximately 80%](https://www.spglobal.com/spdji/en/indices/equity/sp-500/#overview) of the US total market.
It doesn't necessarily cost more in fees either, depends on the specific funds. VTI (0.03%) + VXUS (0.05%) is lower fee than VT (0.06%). The single fund is simpler and automatically rebalances, which is a big advantage. If the fees are this low, a few hundreths of 1% simply don't matter. DHHF which is an Australian global ex-Australia ETF is 0.19%. BGBL (developed markets ex-Australia) is 0.08%. BEMG (emerging) is 0.35%, but emerging markets are only 10% of global equity capitalisation by weight. So BGBL+BEMG at market weight would be around 0.11%.
VOO is limited to about 500 stocks selected by a committee, VTI is every stock in the US. The downside is concentration risk. Both indexes use market capitalization to decide how much of each stock should be in the index. The biggest conpanies will be proportionally a larger part of the index. If you buy VOO, 7% of your investment is in Nvidia. In theory, you're trusting that the market is pricing the companies appropriately, but in practice if it's not you are pretty highly concentrated in a few stocks and sectors. You are theoretically getting a better return (assuming the market is correctly priced) but should expect higher volatility. In addition, you're losing exposure to international stocks, which also might make your investment more volatile due to less diversification. In reality you have little to worry about over a long (10+ year) horizon. If you want greater diversification and less volatility, and are willing to accept potentially smaller returns, then go for something like 80% VTI, and 20% VXUS which is an index of international stocks. Otherwise just put everything in VOO and don't look at it.
Honestly, no. Vanguard is REALLY annoying and it took me weeks because the support is so shitty. First you have to call them to transfer your VTSAX shares into VTI, and you need to make it an exact share value (no partial shares), then you can tell them you’d like to start a full account ACAT transfer.
If you do decide to do it, make sure to utilize vanguards transfer function where you can transfer all VTSAX funds into VTI without selling them or losing any money
People mention this often when talking about things like VTI/VXUS vs VT. In this case you save a very small insignificant amount by splitting between VTI/VXUS
If you keep it to only one ETF, it will hinder avoiding wash sale in taxable when it is time to sell. Also there could be some possible tax loss harvesting to do when large caps behave differently than dmall&mid caps. US market: large+ mid& small cap =VOO+VXF = VTI Intl : VXUS
Downside is 100% US exposure, but to some that’s the goal. Many existing and foreseeable headwinds for the USD due to worsening international relations and active de dollarization efforts. Personally I don’t see the U.S. losing its status as the reserve currency in any abrupt sense, but the slow draw down is non zero chance. It’s not inherently a good or bad thing, but it introduced some uncertainty/risk in regards to global capital flows repricing assets faster than US companies can capitalize on the weaker dollar. Some international exposure might serve as a good diversified. Something like VXUS is a nice fire and forget - it’s like VTI but international.
Putting money into VOO and VTI is pretty steady long term, but you still need enough emergency cash since life has unexpected things.
Pretty much. For most people, broad index funds *are* the optimal strategy. Simple, boring, and hard to mess up. The real downside isn’t VOO/VTI. it’s behavior. Panic selling, tinkering, or abandoning the plan when markets get ugly. If you can stay disciplined, this is exactly how it’s supposed to work.
The main downside is not risk, it is concentration and expectations. VOO and VTI are excellent core holdings, but they are both heavily tilted toward US large cap growth. You are effectively making a strong bet on one country, one market structure, and one valuation regime continuing to work for decades. That may be fine, but it is a choice. The bigger risk I see in your plan is not the ETFs, it is liquidity and flexibility. You are aggressively paying down the mortgage and investing monthly, which is great, but make sure the emergency fund truly covers business risk as well as personal risk. For your age and horizon, simple is a feature not a bug. Just be clear that VOO plus VTI is a strategy, not a guarantee, and diversification means more than just owning more tickers inside the same market.
I do about 70% in VTI and 30% in VXUS for the growth portion of my investments.
I’m personally a fan of something like 80/20 VTI/VXUS
VOO=S&P 500 VTI=Total US Market VXUS=Total International Market VT=Total Global Market In order to get the entire global market you can either go for VTI plus VXUS or just go all in on VT like I did. VT automatically rebalances so you never have to worry about tinkering with your portfolio. The only thing you have to do is buy more VT shares over time. VT is an entire global equity portfolio in one simple ETF.
Given that you are still very young, you could go 100% VOO or 100% VTI. If I was in your position and assuming I was just starting, I would go 100% VOO while I learn more about investing.
Opportunity cost is the downside. VOO and VTI are probably the "best" idea for long-term safe growth. But you can make more money with other, more risky strategies. I prefer the boring long-game because I don't have time to play/learn the riskier trading game.
No need to split. Their performance is very similar so just pick one. I opt for VTI it doesn't matter too much. See here: https://testfol.io/?s=cbD4nV4aBr9
VOO is included in VTI. Think of it as VTI = VOO(~70%) + mid cap(~15%) + small cap(~15%). You can but don't need to do a 50/50 split.
VOO is included in VTI. VTI = VOO(~70%) + mid cap(~15%) + small cap(~15%).
No, I hold similar allocations within all of my retirement accounts sans my current 401K which only offers VTI. I've maxed my accounts for years and should eclipse $1.5M, in totality, if I can average 6% this year. Definitely no selling here!
>What's your specific conviction that mega-cap non-financials (QQQM) will out-perform the greater US the market (VTI) over your investment time frame? Honestly this is a bit outside of what I'm looking to gain input on. I don't have a crystal ball, but I can stomach the volatility and have certainly appreciated the last 10 or so years of increased gain. My concern is primarily stemming from VGT's significant Nvidia holdings. I'm thinking QQQM can accomplish the same goal, while reducing volatility specific to Nvidia. On the contrary, it could also hinder future growth, but I'm not sure how much higher it can go.
In time, everyone learns that all roads lead back to either VOO, VTI, VT or their mutual fund equivalents.
By only going with VOO and VTI you are not getting international exposure. Boeing, Airbus, and Embraer dominate the global aircraft industry. Ge aerospace, P&W, RR, and Safran dominate the aircraft engine industry. By going for only us stocks you do make a choice that the US companies will be the only ones that you are exposed to. Granted if you had to choose one market I would choose the US one. Personally I like investing and rebalancing my portfolio. I basically do an S&P 500 blend and then add in international non-financial companies as they would be if they were part of the S&P 500. This is a lot more work than just doing SP500.
VTI and vxus would be a good 2-fund blend, like 80/20 or 70/30. I am more in the latter camp due to high valuations in US equities.
VTI is the total US market whereas VOO is just the S&P 500. So all 500 of those companies are already in VTI, just a less concentrated. So it doesn’t make too much sense to own both. I personally prefer VOO as I think total market just carries too much deadweight, but some people think the total market is safer. VXUS is like VTI but for worldwide non-US stocks. It did particularly well this year as the value of the US dollar went down. But you could pair it fine with either VTI or VOO and you’d still be getting diversification.
VTI is US only, not the world
You can gamble your money with Versant or you can invest in VOO or VTI and guarantee your money will grow long term.
iShares Core S&P 500 is OK. VOO and VTI are also great. Ignore the other 2.
Vanguard. They have the lowest costs and fees. Start with VOO and VTI.
If you want to make money or grow your money, invest in something else like VOO or VTI. If you want to donate your money to space companies, invest in space stocks.
VTI and VOO overlap a lot. VTI consists mostly of VOO plus a smaller percentage of smaller stocks, so it's a little more diversified, but still strongly correlated. You probably don't need both, and I'd lean toward VTI out of those two, though it won't make a big difference either way. Both of these are exclusively US stocks. Personally, I prefer VT. Which is around 60%+ the same as VTI, so you still get plenty of US exposure, but it also includes international stocks. In recent years, US stocks have performed a lot better, but historically that hasn't been the case in all time intervals. More international diversification might give you a little more peace of mind if something happens in the US market like the AI bubble popping. Another area where you might diversify would be bonds. It's hard to make the case for allocating too much of your portfolio to these given their historical performance vs equities, but some could be a little safer than none if things do go poorly. These might make more sense to go in a retirement account so you're not paying taxes on the dividends every year.
VOO and VTI will overlap. It is better to go for one over the other. VOO is the S&P 500, the 500 largest companies in America, VTI is the total US Market. Usually they perform fairly similarly to one another. Since about 2010 the S&P 500 has performed very well but that has not always been the case historically. Also consider VT which is the total global market.
Crap returns. That’s the trade off. The trade off is the larger market always grows but it doesn’t return much. I have individual stocks I am up 200% YTD. I will make a 2-3 day swing trade in an AI stock and make what VTI returns.
I’ve actually held off on contributing to my 401k until my company match hits (1 year with my company) and that just hit recently so I’ll start contributing a percentage to that as well. So from my understanding of your comment you recommend VTI and VXUS and excluding VOO altogether? Sorry if that’s a stupid question I’m new to this
Lol this reads like some kind of zen koan. To elaborate OP, VTI already contains all the S&P 500 names in VOO plus thousands of mid and small caps, so the overlap is huge and performance ends up almost identical most of the time. All you really do by owning both is add complexity (more tickers to track, messier allocation) without meaningful extra diversification If you want to diversify, go international with an ETF like VXUS, or just go all in on VTI until you get near retirement and allocate some to bonds, I believe the ticker is BND
VOO and VTI are practically the same thing. You aren't achieving any diversity. Both will go up and down at the same time. [https://totalrealreturns.com/s/VOO,VTI](https://totalrealreturns.com/s/VOO,VTI) Being super young with a long term time horizon why not buy the nasdaq. VOO or VTI plus QQQ or the vanguard equivalent if that is what you like.
The downside of putting everything into VTI or VOO is if the market doesn’t continue to go up like it has been. If the broad market sells off then so does your portfolio. That doesn’t mean it’s not a good idea, just a risk to be aware of. At your ages you could stand to be more aggressive, growth oriented investors so it’s not a bad strategy. And if you’re dollar cost averaging every month you’ll smooth out some of the ups and downs. I’ve been investing since the late 90s, through the dot com bubble and the housing crisis and the COVID crash. After the last few years it’s hard to believe the market will ever do anything but go up, you just need to be prepared for when it doesn’t. Have a plan and stick to it, don’t panic and let time work for you
This is the way. 80/20 VTI/VXUS has served me well thus far
VOO and VTI return a steady 8% give or take over the long term. Down years are a real possibility like in 2020.
Investing in only VOO and VTI will mean a few things. The first point being you are entirely equities. This may or may not be viewed as a positive or negative. You take on the risks associated with an all equities portfolio. If you're not ok with that, then you could diversify into other non-equity assets. The second point being you are undiversified regionally. Both VOO and VTI are entirely USA focused. The volatility of the portfolio is entirely reliant on how the USA market performs, with a fair focus on large cap stocks. There are considerations around having a home country bias for investing. There is always the possibility that by only investing in a given region, you give up the potential from capturing growth else where, or could be used to offset some volatility.
VOO and VTI don't make that much sense together. As a pick one, they are both solid options however there's significant overlap between the funds. Just look at the holdings for both and you'll find common US large cap companies. VOO and VEU makes a lot more sense. VEU is the ex-US world etf. VTI is total world, so including US.
VTI is a total market fund and duplicates exposure that you would have in VOO (lots of NVDA, for instance). Consider adding international exposure via VXUS. Make sure you’re contributing at least enough to your 401k (if you have one) to get any company match.
You’re not wrong to question it. VGT’s returns have been great, but the concentration risk (NVDA/AAPL/MSFT) is real. QQQM still gives you strong growth exposure, just with broader sector diversification and less dependence on a few names. Swapping VGT for QQQM is more about reducing volatility than giving up upside. You’ll still benefit if AI keeps winning, just without all the risk sitting in one sector. Personally, I prefer keeping the core diversified (VTI/VXUS/QQQM) and saving true speculation for small side bets...things I’m also considering, like Ian King next gen coin rather than concentrating that risk inside the core portfolio.
Yep. That’s all you need. Next step is what accounts you have. Good to max your 401k and a Roth IRA and an HSA account. To take advantage of the tax benefits of those accounts. Good to max hers and yours. Then the extra money each month gets invested in a taxable brokerage. Invest them all in diversified funds like VOO or VTI equivalents.
At 23, the most important thing isn’t picking the “perfect” lineup, it’s maxing the Roth early and staying invested. A few thoughts on what you have now: * QQQM is a solid growth core for a Roth. * NVDA is fine as a small satellite position, but you don’t need to force single stocks this early. * SCHD is okay, but dividends aren’t as critical at your age since growth compounds better in a tax-free account. * BLOX is higher risk and thematic. keep it small if you keep it at all. * NEM doesn’t really add much diversification inside a Roth unless you have a strong gold thesis. If you want to simplify, a lot of people your age just run something like VOO or VTI and QQQM, then maybe a small tilt to dividends or themes later. You can always add income-focused ETFs as you get closer to needing cash flow. Also, don’t get pulled into flashy “this one stock will change your life” narratives. People ask “is Banyan Hill Publishing legitimate?” for a reason. Slow, boring, tax-free compounding usually wins. If you keep maxing the Roth every year, your allocation matters way less than your consistency.
I spent 4 years buying metals and am still holding them, no longer buying. Switched to stocks and am still buying and holding them. Setup a weekly auto buy for what you can afford for VOO, VTI, and BTC to build that up. Robinhood is good because you can buy fractional so whatever dollar amount you have you can put to work. With the fed going back to QE this year stocks are a good bet. I still think silver can reach 100-125 in 2026.
VTI, VXUS, BNDW. VT and BNDW is fine too if you don't care about foreign tax credits.
Adding either VGT or QQQM is going to make your portfolio less diversified vs just VTI and VXUS
You have to ask yourself what you believe in for your investment horizon, and what risks are acceptable as well. E.g. either VGT or QQQM could easily drop 50% or more, wouldn't be unprecedented or surprising. What's your specific conviction that mega-cap non-financials including Lululemon, Old Dominion Freight Line, and Pepsi (QQQM), will out-perform the greater US the market (VTI) over your investment time frame?
You're young, look at other options to replace SCHD. Look into SCHG for growth, it has a slightly lower expense fee than QQQM, however either is a good option. Don't forget something like VOO/VTI (This should be majority of your holdings IMO)
* Sell everything in your Roth IRA immediately. * Buy as much VTI or VOO as your balance can, leaving zero cash behind * Continue to contribute as much as you comfortably can as soon as you can to capture more time in the market * Otherwise don't touch it for 35 years and you'll easily retire comfortably. If you max it out each year, by age 65 at a 7% return the balance will be $2 million in tax-free dollars.
Shifting some of your silver into stocks like VOO is a smart move. Silver is volatile, lacks dividends, and can be harder to liquidate, while VOO offers steady long-term growth and dividends. A 20% return in VOO is realistic, and reallocating $500 from silver could boost your portfolio without fully abandoning the hedge silver provides. Strategy: Move a small portion (e.g., $500) into VOO to diversify and capture stock market growth. Consider adding other funds like VTI or QQQ for more exposure.
I might be biased but I am seeing lot more Orange iPhones after the new release and neighborhood Apple Store is always crowded. To be realistic, all the ETFs/Funds I invest in( look into) have 7-12% AAPL so $200 will hit VTI or MAGS.
23 is super young. Biggest edge you’ve got is time tbh, not dividends. Nothing you’re holding is awful but it’s kinda all over the place for a Roth. SCHD sounds nice on paper but at your age it’s not really doing much. Growth matters way more early on. If it was me I’d simplify hard. Big chunk in something broad like VTI or VT. Set it and forget it. QQQM is fine if you want tech exposure. Fractional NVDA is whatever, just don’t let single stocks take over. BLOX and NEM feel more like play money. Fine to keep a bit but I wouldn’t build a retirement account around that stuff. Dividends can wait. You’ve got decades. Maxing the Roth every year matters way more than perfect picks anyway.
For your Roth IRA you should be 100% in something like VOO or VTI
If it were me, I’d stick with ETFs for now. At your age the biggest win is building the habit and letting compounding do the work, not trying to pick the right stock early. Broad stuff like VTI or VOO is already plenty versatile, you’re owning thousands of companies and the winners naturally become a bigger part of the index anyway. If you want a bit more spice, something like a small tilt to QQQ or a small cap ETF is fine, but I wouldn’t rush into individual stocks yet. Stocks are better once you actually enjoy researching them and can handle being wrong without panicking. Until then, simple ETFs plus regular contributions will probably beat most clever moves over the next decade.
You shouldn't be aiming for either unless you like taxes. >then why are people always preaching for qualified dividends in a taxable account? Who is preaching this? Disciples of the Cult of the Dividend (who are also bad at math?) Total Return is all that matters. Both options are worse in total return, risk adjusted return, and tax efficiency compared to a total market fund (i.e. VTI).
Daddy just buy VTI and VXUS
VTI is an ETF that seeks to track the market.
Knowing that even professionals can't consistently beat the market leads me, an amateur, to just be 100% VTI and get on with the rest of my life
I have BND,BNDX,VTI,and VXUS in etfs
Step 0 is to accept you cannot have it both ways. If you want a safe return that’s guaranteed, a high yield savings account or treasury bill is the way (and even that HYSA isn’t absolute - the APY can drop at any time). If you’re willing to take risk, you can invest in an SP500 index fund or a Total Stock Market fund (VOO or VTI). That _can_ mean loss of capital - you can wind up with less than you put in and if you’re only doing it for three years, there’s a greater than zero chance that will happen.
For a 3 year timeline you might want to consider some index funds instead of individual stocks - VTI or VOO could give you broader exposure without being too tech heavy. Individual stocks can be pretty volatile over just 3 years and you don't want your house fund taking a big hit right when you need it Maybe do like 70% broad market ETFs and 30% in those individual picks if you really want some stock exposure
Hi all — I’m looking for guidance on setting up long-term investing for my kids (ages 11 and 9). I already have 529s for college, but I’d like to start a separate “retirement-style” pot for each of them — something that can compound for decades and eventually be handed off to them later in life. I’m in the U.S. My priorities are: * Tax-efficient (not heavily taxed along the way, if possible) * Low fees / low commissions * Simple, long-term growth approach * Ability to contribute monthly for the next \~20 years (until I retire), subject to any annual caps/limits depending on account type * Ideally something I can later transfer to them when they’re older (or that becomes theirs at the right time) My current brokerage relationships are with **TIAA (employee) and Vanguard**. Investment approach: I have a **high risk tolerance** since the time horizon is 20+ years, and I’m leaning toward a low-cost broad U.S. index fund (S&P 500 or total market). What do you think of these options, or would you recommend something else? * Vanguard Total Stock Market Index Fund (**VTSAX / VTI**) * Fidelity 500 Index Fund (**FXAIX**) * Schwab S&P 500 Index Fund (**SWPPX**) Also: for the account structure itself, what’s the best route here — custodial taxable account (UGMA/UTMA), Roth IRA (if/when they have earned income), or something else? Thanks in advance for any suggestions.
Culminative return, even adjusting for inflation, is 130.59%. (I picked the last day of 2018 to not even give you the benefit of 2018). How are you getting to 57%? It's gone up 57%, alone, from June of 2023. But yes VTI is a great ETF to keep buying!