VTI
Vanguard Total Stock Market Index Fund ETF Shares
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23 F advice on my long term portfolio: VTI/QQQM/Costco
Is it ok to never have bonds if you start investing early?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
What to do with $300,000 just sitting in my checking account?
Thoughts on 31yo investment portfolio - big pay raise next year and questions
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
I'm creating a portfolio for my brother, any thoughts?
Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
3rd year of maxing out my roth ira. How do my allocations look
Limited International Fund Options in Employer’s 401K Plan?
Choosing spouses growth stocks for taxable account
Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Thinking about a higher growth portfolio for the new year.
30 year old. What's got the greatest possible potential for returns? TQQQ?
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"
With IRAs about to reset for 2014 what are you all planning to buy?
Portfollio allocation after move from edward jones
Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?
Investing brokerage accounts for my kids and nieces - best course of action?
Investing advice for moving around 100k into ETFs
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
Mentions
VTI and VXUS for the win
For a 3‑year, liquidity‑first plan, 67% in SGOV/VGSH fits the brief, but your equity sleeve is both tech‑heavy and overlapping with VTI (MSFT/GOOG/AVGO/AMD already dominate), so you could simplify to one broad fund or tilt a bit more defensive/dividend. Also sanity‑check duration and after‑tax yield against a simple Treasury ladder and set a rebalance rule; VGSH carries a little more rate risk than SGOV. I like to double‑check sector concentration and trend strength with a signals dashboard like Prospero AI, then make the call myself, no magic bullets, just a quick second opinion.
It’s amazing AI that is wrong 75% of the time is basically eating all of our power and computing production. I mostly just think about VTI puts whenever I read this stuff.
ha. then that's good. I'd invest what you can. Especially if you don't have much of a retirement and you're already 36. You want that compounding interest to work for you, and the longer you wait, the slower it takes. Just a few to consider. * [**Vanguard 500 Index Fund (VFIAX/VOO)**](https://www.google.com/search?q=Vanguard+500+Index+Fund+%28VFIAX%2FVOO%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAB): Tracks the S&P 500, offering exposure to large U.S. companies, recommended by Warren Buffett. * [**Vanguard Total Stock Market Index Fund (VTSAX/VTI)**](https://www.google.com/search?q=Vanguard+Total+Stock+Market+Index+Fund+%28VTSAX%2FVTI%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAD): Covers the entire U.S. stock market (large, mid, and small-cap) for maximum diversification. Growth & International * [**Vanguard Growth Index Fund (VIGAX/VUG)**](https://www.google.com/search?q=Vanguard+Growth+Index+Fund+%28VIGAX%2FVUG%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAB): Focuses on large U.S. growth stocks, heavily weighted in tech. * [**Vanguard Total International Stock ETF (VXUS/VFWPX)**](https://www.google.com/search?q=Vanguard+Total+International+Stock+ETF+%28VXUS%2FVFWPX%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAF): For broad exposure to developed and emerging international markets.
I'm sure there are plenty of smarter people here than me, but without knowing what your disposable income is to invest, it's hard to do more than just guesstimate. With your income, I'm not even sure you're allowed to invest in Roths. Your [Modified Adjusted Gross Income (MAGI)](https://www.google.com/search?q=Modified+Adjusted+Gross+Income+%28MAGI%29&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiY09bnyoySAxUgmO4BHYKtDBQQgK4QegQIARAD&mstk=AUtExfBIBbVjRKoCg2mRLB_kbPrwxMheE_6KblyUe43spP7oC44tDo5V7Ulf9YGBHEm_DNlwwHYnMbSNjKeJL8vX34VPmt_NIkFu1vPSvGo1j5e7XAbU7JXIL_QP2kZaBHVm3xtHespW7lPlO6EjpUIJ8yV_6MC-2Rd-hXciREuKkmjA9A6K-YHfwtylY54hzpSB_cti4iMqQBGEuYaF78Ub4NA-0ksrn49NCPwUk74-8F2sO6wwWDqZOtMS71nLqSHdJtj0C3zAgazkErsyZUHMLTOQ-n1a4JEq6oZpLnHv-7stxA&csui=3) has to be under 252k. I think the first step is to put your money into liquid investments and just let it sit. S&P500, QQQ, VTI, pick your index fund.
Don’t sell. Just start adding to VTI.
Open a Roth IRA and contribute $7000 to the 2025 year. You can then put up to $7500 into the same IRA, but for the 2026 tax year. Once the money is there, you need to tell the Roth IRA what it should purchase. Most people would recommend buying a couple of broad index funds that track the entire market. VTI and VXUS is a good place to start with somewhere around a 70% VTI / 30% VXUS split.
Dude your 17 with 10k saved and 4 income streams?? Your already ahead of like 90% of adults lol. Keep it simple - throw most of it into a broad market ETF like VOO or VTI and just forget about it. At your age time is your biggest advantage, compounding will do the heavy lifting. Maybe keep 2-3k as an emergency fund tho. Having some cash buffer is important when your paying rent and insurance already.
Damn bro you're living the dream with no expenses at 19, that's actually insane Start with a Roth IRA and max it out ($6500/year), then throw the rest into index funds like VTI or VOO - boring but it works. Don't try to get rich quick with meme stocks, just let compound interest do its thing over the next 40 years Also maybe learn to cook and do laundry now before your friend gets tired of covering everything lol
Totally agree. Broad index exposure removes a lot of decision risk, especially for newer investors. One thing I’d add is that even with VOO/VTI, watching how price behaves around key levels and how volume expands on breakouts can help with timing and position sizing — it’s less about picking tops and bottoms, more about confirming participation and avoiding false moves. Long term consistency + disciplined sizing usually beats trying to optimize every entry.
You are comparing what is a large cap growth versus a large cap value. Probably best to a both with a higher allocation action to VTI.
Looking for advice on taxable investment percentages in VOO vs VTI. Late 20s and work in big tech sw. How much of your taxable portfolio would you recommend being VTI over VOO considering the exposure due to salary and RSUs in tech? Currently I’m also targeting ~10% in gold, ~20-25% international funds. In wondering what the rest of the allocation should be without including an emergency fund. Thanks!
Why not play it safe and buy fractional shares of blue chip companies. I never buy full shares. Buy QQQM and play it safe. VTI is safer but slower.
Personally I don't see the point... all the AI growth is happening from US companies primarily. EU has tighter regulations, unless that changes it's going to hamper growth for the foreseeable future. I'm 100% VTI for now. Don't see any reason to change it. Instead of international, I do keep some investment in metals and crypto for uncorrelated returns. Gold has done very well these past few years.
Then I would sell SCHD and diversify into VXUS. 100% of SCHD is in VTI, so no need to have overlap.
“Common advice”? I know VOO and Chill is the mantra among younger redditors only investing during a bull market. Older/wiser investors will say VT and chill or some variant of VTI/VXUS and equivalents.
The market can be volatile point blank, and OP already said the other 80% involves VTI and Mag 7. There is zero reason to play conservatively into dividends when you have 30+ years before retirement.
Exactly this, OP is overcomplicating things big time. Just throw everything into VTI and call it a day - you're 25 with decades ahead of you, no need for all these covered call ETFs that'll just drag down your returns
VTI = Total USA market VOO/SPY are both S&P500 index funds. These are not growth , they are broad market and hold both growth and value (QQQI, JEPQ, SPYI) These are covered call ETFs, they are not even dividend focused , they sell upside to produce a premium . They will over the long term almost certainly under perform their underlying index of the Nasdaq 100 and S&P500 Simply buying VTI will give you a mix of growth , value , dividend stocks
What are your YTD or quarterly returns and how does that compare to an index fund like VTI? People don't consistently beat the market, so if you're beating the market, awesome, nobody is perfect, you've got something figured out, don't change. If you're not beating the market, go join Bogleheads and start with the index funds.
You are over exposing yourself by choosing VTI and VOO since they share similar holdings. Personally I'd keep VOO but either works, swap QQQ with SMH unless you want less volatility but since you're pretty young I would go with SMH. SCHD isnt bad but if you want more growth given your age again I would go with SCHG or add VXUS as well for international exposure.
This is a pretty simplistic take. If my Google, msft, and nvda go to zero, so the VOO and VTI people are also losing 90% of their portfolios.
VT is basically VTI and VXUS, and I would pick the latter two together for rebalancing and foreign tax credit. But if it must be just one then VT.
Thought about dropping all 7.5k Roth IRA Jan 1st into silver and felt like going the safe route with VTI. RIP. Would be up like 25% already smh
International equities have the same expected return as US equities. Actually slightly higher because of risk premiums associated with value characteristics. Essentially stocks with lower P/E are expected to return more and international markets currently have lower P/E than the US market. So you can have lots of international exposure without losing out on growth. Anyway for market cap weights you would sell ~$350,000 of VTI/FSKAX/FXAIX and buy $350,000 of VXUS/FTIHX/FZILX. Note that while doing this is a good idea in general, doing it because of your personal feelings about the market is potentially a bad idea. If you stick with the allocation for the rest of your life then it's good. If you switch back to all US equities next time the US outperforms for a year then you will just uneerperform overall.
[https://imgur.com/a/FDBAdZp](https://imgur.com/a/FDBAdZp) If we look at the total return, across 13 years (or so), we can see the performance of VTI (Vanguard Total Stock Market Index), BND (Vanguard Total Bond Market Index), and VTIP (Vanguard Short Term Inflation Protected Index). The stocks will perform much better over the long term. The bonds should be used for current income, once retired.
To many mistakes for like 2 years in the row it’s like no luck 🍀 lol starting with BTC 1.4 BTC in 2021 I spend about 5k to buy is and sold it in 2023 when drop around 25k lol it’s crazy 🤪 second time did with the weed stock when liberals win at the presidential I bough low and after jump like 3 times but I sold like 10% profit crazy me, and third is NVDIA and Palantir SOFI I had 120 NVDIA in 2022 before the split and sold it lost coz I was worried will drop like usual before the split, Sofi I had like 630 shares at 4,85$ was waiting for 2 years to run and sold it at 8$ because I was tired of waiting and palantir sold it around 11$ and I bought around 9$ my worst trading ever, I know for some people that is not lot of money but for me was lot of money and I was so scared to not lose the money so put your money in ETF best choice so u can sleep 🛌 with no worries, my best investment in VTI QQQ SCHD I can relax and no enjoy life with no worries about anything
I've gotten down voted for being anti target date funds, and this is exactly my contention -- they are far too heavy in bonds far too early. To be 10% in bonds 40 years out from the target date as an early 20-something is ridiculous. Not to mention their expense ratios are far higher than VOO or VTI.
For real. Our household has two 401(k)'s, two Roth IRAs, two brokerage accounts, an HSA, and some RSUs. Among all that it's about 90% VTI and 10% single stock. All amounts to about $2.1 million and I've never given a second thought about paying someone to manage it for me. What I will pay for in the future is retirement planning with a CFP so we ensure we're minimizing our tax burden among our retirement income strategies.
Zoom out before you break your arm patting yourself on the back. VXUS is up 27% in the last 5 years while VTI is up 74%. VXUS moved 59% since *2011*. With recent events, it might be worth starting to allocate towards international, but I'm glad I limited exposure to it before.
Thank you and good point. My goal is to diversify my portfolio that is very heavy in large cap individual holdings. I'd love to do SPY or VTI or similar, but that essentially doesn't help me diversify since such a large portion of those ETFs are concentrated in the same 7-8 large caps that I already hold individually. So, I was thinking of something like VTV, but saw EQWL and I almost want the additional exposure to small and mid-cap that it gives vs a weighted value ETF. It also has a performance record that's fairly impressive (yes, I understand past performance is no guarantee...). Though, if I am diversifying to hedge and protect against a downturn, VTV has a lower Beta...
Simple rule I try to stick to: if you don’t know what to buy, default to a broad index (VOO/VTI) and focus more on position sizing + time in the market than ‘the perfect entry’.
"My general philosophy with money is this: build slowly, test myself honestly, and earn the right to press harder later. I’m playing the long game, but I want leverage if I actually prove worthy of it." I don't disagree with this but will say that it's rare to see today. "I want more, but not recklessly. I’m very aware that consistency beats intensity, " I've often said that people need to focus on getting on base. Too many people swing for the fences every time and strike out - even consistent singles and doubles add up over time. "For investing, I put $600 a week into US ETFs. Roughly 40% into VGT, 40% into VTI, and 20% into VXUS. This is meant to compound quietly in the background and act as a financial backbone. I don’t touch it emotionally. No tinkering, no panic moves, no chasing whatever’s hot this month. Alongside that, I run a small swing trading account, about $2k. This is not income to me. It’s training. I treat trading as skill development, pattern recognition, and learning capital preservation before there’s ever any talk of real leverage. I trade end-of-day swings since I’m in Australia trading US markets. I focus on sector strength, tight consolidations, breakouts and pullbacks, defined risk, and high ADR stocks. Capital only increases after demonstrated consistency. If I ever scale it, the money would come from slowly reallocating ETFs, not lifestyle or savings. I’m not relying on trading to save me. I’m practicing so it could become leverage later if I earn it. Medium term, the next 3–5 years, the goals are straightforward. Keep building a house deposit, buy a property when it actually makes sense, keep ETF compounding going, stay disciplined with trading, and increase income through higher paying roles, specialisation, or side businesses. I already proportionally feel the physical tax of my job I don’t want my income ceiling to rely on my body forever." I....don't have an issue with any of this. Thoughtful/well-written. "So I’ll ask again, honestly: where am I getting this wrong? Where am I playing it too safe? " Sometimes I can find something slight to constructively critique with something like this but I really can't here. The only question I have and it's not even a criticism is what does this look like in terms of specifics: "Capital only increases after demonstrated consistency." Other than that, great, well-written overview/plan with nothing I can really find fault with.
VOO or VTI or SPY 196.5k and buy options with the other $500.
With regards to holding both VOO and VTI, why not just one or the other? Historically both have performed very similar to one another.
Agree with the others, but you don’t need BND either. You’re 38 and you said you’ve got a 20 year horizon, VTI and VXUS is all you need and maybe pivot to BND when you get closer to your horizon
[How 50% VOO and VTI look like in 25 years](https://imgur.com/a/WeFGs0P) I used Fin2Cents app to run the backtest in the screenshots. Check how it looks like with 25 years of horizon, the 25th - 75th percentile range is not bad at all. However, if there's liquidity constraint, I would diversify a bit more, since VTI and VOO are heavily correlated to each other. You can see the back in Fed rate hike, the portfolio would lose 20%, so if you need money for renovation/travelling, that will be a bit tight.
plowing into gold tomorrow. Selling some VTI I think.
I like option 1. I would remove VTI as duplicate. Bump VUG instead.
Howdy there. Honest truth - that’s too many ETFs. You only need one but two is okay. I only have one. VOO and other SP500 index ETFs are already overly-diversified. There’s over 500 stocks in that fund! Can’t get anymore diversified than that. Hedge Funds don’t even have that many. Most have anywhere from 10-50 stocks. In the old days diversification meant having a minimum portfolio of 10 “individual”stocks of strong companies in various industry segments. Having that many ETFs is just for retail investors. Keep in mind 80% of mutual funds or ETFs out there cannot beat the SP500 index or Nasdaq 100 returns. VOO and VTI are fine but if you want to add more okay. 🤷🏽♂️
VOO, VTI is definitely on the radar, I'll check out your recommendation. I'll probably pick 5 ETF and split it equally. What do you thing?
Forget picking individual stocks for now. Seriously. As a beginner the best thing you can do is just buy a broad index ETF like VTI or VOO and keep adding to it every month. The “safe” stocks you mentioned (Amazon, Netflix, Nvidia) feel safe because they went up a lot - but thats hindsight bias. Netflix was down 70% in 2022, Nvidia crashed multiple times before this AI run. Nothing is actualy safe. Good habits that actually matter: - automate your investments so you dont have to think about it - dont check your portfolio every day, it’ll drive you crazy - ignore financial news, its mostly noise - when the market crashes (and it will), keep buying You have time on your side which is your biggest advantage. A boring strategy executed consistantly beats trying to find the next hot stock every single time.
Looking for advice before I allocate my investments for my Roth IRA and general investing! Currently 21 y/o and intend on holding this until retirement Contributed $14,000 to an IRA but have yet to buy anything with it as well as $14.000 that I'm planning on investing just generally into the market. Here's what I'm thinking: **ETFS** 40% VOO 10% VTI 10% VXUS 20% $QQQ **Single stocks** 10% $CAT 10% $AMZN Should I be investing money in the Roth IRA vs general money in the market differently? Doing this through Schwab if it matters Any advice is appreciated, thank you for your time!
Thank you for feedback! probably leaning towards VTI, VXUS and BND then!
How about this? If you put all $120,000 in VTI and leave it alone for the next 40 years (I’m guessing you’re young!) and VTI returns 10% annually (reasonable based on history) you’ll have $5.4 million in your retirement fund. Compare that to the anguish of trying to options trade your way to $5 million.
By the time you can buy it you realize you can't afford it, and by the time you can afford it you realize it's a stupid waste of money and you just buy more VTI instead.
I've moved into more international stocks. At least that way I can benefit from the intentional devaluation of the USD. VXUS up 34% over the last year to the 19% of VTI...
Nice! I have heard and was thinking specifically about VTI so it’s good to hear you mention that one! I’m US so shouldn’t have to worry too much but thanks for the advice man!
Thanks! Yeah i'm Italian so i don't have access to US tickers. VWCE is an all-world ETF, probably the closest US one would be "VT" You can't really go wrong picking an all world whichever it is (VOO, VTI any S&P) If you are European like me, VWCE is a good and reliable ETF. I too invest 300 eur a month! That's a good resolution, your future self will be happy and proud. Never stop whatever happens
Replace VTI with VXUS.
>Not trying to chase returns, mainly want something simple, diversified, and easy to stick with long term. If this is what you want then just buy VTI+VXUS or VT and maybe a bond fund.
IMO makes no sense to hold both VTI and VOO. Also makes no sense to hold something like FSELX with capital gains distributions when you can find a tax-efficient ETF with very similar performance. Is there a reason why you want a growth tilt right now? Knowing that "growth" doesn't mean that it will literally have more investment appreciation. Why are you overweight US equities? (Versus the total world market cap). Have you considered asset classes beyond just stocks and bonds?
Individual stock picking is not correlated to long term investing success. Whole market index funds held for a long time are. Consistently hitting the market average is something to celebrate. It's easy to do these days and nearly entirely stress free. Professional stock pickers struggle to beat the market average and they can't do it consistently. Chances are you're not better equipped or more well informed than a professional broker working at a big firm. Brokers have good years and bad. Retail investors have good years and bad. If you're hitting the market average you're doing better than most. VOO, VTI, VXUS or just wrap it all together and go for VT.
The fund handles all the foreign tax stuff internally through tax treaties and local structures, so you don't need to worry about it as an individual investor. Most major funds like VTI have pretty solid tax optimization and keep tracking error low - they wouldn't be competitive otherwise
Oh, that's quite a benefit. What you **should** do is move the money to a low-cost index fund like VTI and then **never touch it again**. You really want to take advantage of that tax advantage so moving it out is less than ideal. I recommend asking your broker to remove your options approval. That will at least remove one vector for losing all the money quickly but you'll still have to exercise some self control. You can put other hurdles up like resetting the password and not saving it in a password manager. That'll force you to go through the Forgot-Login-Password flow which may be enough annoyance/delay to prevent you from trading on a quick hunch.
VTI is like 85% VOO + 10% cap + 5% small cap. Meaning holding both only reduces your mid/small cap allocation. Meaning with your allocation you are actually holding like 95% large cap VOO 3% mid cap 2% small cap. That mid/small cap exposure is so little it won't matter. I would just go 100% voo if you don't want small/mid cap exposure
Is there a reason you are doing VOO and VTI instead of just VTI?
I’m in my early twenties and a year away from graduating college. I have weekly reoccurring investments in VOO and VTI and have about 3K 70/30 VOO/VTI. Is this a good investment plan just to keep those weekly deposits up or should I diversify more? I’m only looking for long term safe investment planning
Idk VOO is not what it used to be. You think you're diversifying but its not what you think. You're actually over 1/3rd in tech. Thats similar to the dot com bubble days. VTI is more diverse since its all the stocks. I think today you should also consider commodities, crypto, and REIT etc, possible hedges against the USD to truly diversify
Honestly 6 weeks + a bull-ish tape is basically the best-case backtest, so I wouldn’t get too attached to the +4% yet. The allocation looks like “default Reddit core portfolio + a little crypto,” which isn’t *bad*, but the overlap (VTI + QQQ + AAPL/MSFT) means you’re kinda doubling down on the same thing and calling it diversification. If you like the AI angle, I think tools like Prospero are better for quick context and risk flags, but the actual portfolio construction still needs you to set tighter rules around concentration and rebalancing.
How much cash is too much cash? And is less cash and more VTI better in order to protect against inflation if you’re reasonably secure in your job or ability to support yourself?
Thats it. Thats all I do, other than various financial podcast more for entertainment. Instead of spending time and energy doing that, I spend that time and energy working overtime, meal prepping instead of going to a restaurant, things to make/save more money to continue VTI or VOO and chill. Sometimes when I legit worry about an upcoming recession, I put money in something that has a track record of being recession/crash resistant like MCD or Walmart. Or if the majority is shitting on a sector here like big oil, which clearly isn't going away in the near future and still has long term potential, I may put money in that for a year or two. But that is really it.
'VTI was up 90% from 2021 to 2015. What were you invested in?" This guy figured out how to do investing chronologically backwards
The opposite happened to me. I found myself sitting on idle cash with both family members at home and no external spending. I decided to go all-in on dollar-cost averaging (DCA) into VTI and just relax. That decision snowballed for us. Costs were low, and I stuck to the investment strategy, forgetting about trying to time the market or chasing the latest trends. I still hold my legacy pre-2020 stocks, and while only the blue chips have soared, the accumulation I’ve built in VTI (and more recently VT) is what I keep looking back on, wondering why I didn’t think of it earlier.
90% VTI, 10% VXUS, and chill. When everyone freaks out and panicking like on Liberation day, I double down, work overtime, cash in vacation hours, and throw it all in.
In 2025, for some reason, I made a shift. I had always invested in VTI, a low-cost Vanguard fund covering the U.S. market, but I switched to VT, which includes both international and U.S. markets. The results exceeded all expectations—VT was up 20%. Meanwhile, I continued dollar-cost averaging (DCA) into VTI in another account, which was up only 12% due to the DCA approach. This experience reaffirmed the principle that time in the market truly beats timing the market.
Mom deserves a nice low-risk ETF. QQQ if you believe in tech. If not, VTI.
You just buy more VTI/VXUS
VTI was up 90% from 2021 to 2015. What were you invested in?
Vug or VOO or VTI. Maybe vti.
75% VTI 25% VXUS if single stock-> goog/amzn/aapl
"Just go for the ETF and forget about it?" Exactly! Messing around with your mom's potential retirement money will potentially cause her to lose a lot of money; and worse, effect your relationship with her negatively. Play it safe and strongly recommend an S&P 500 focused ETF, e.g., VOO, VTI, etc.
If you don’t have time to keep on top of different positions just dollar cost average into VOO VTI or VT every month
VTI and it's not even close. If you have pretensions of being a trader you better be doing your due diligence. Is your mom going to write a well sourced 20 page thesis on the stock? Is she going to read the last 10 years financials? No? Then she has no business investing in it.
If you look at a dividend aristocratic fund it has approximate returns of VOO/VTI. However counter intuitively it does not have a high dividend yield , the dividend yield is just slightly higher than VOO. Because even companies like MSFT has paid and raised dividends over the last 20 years, its just that their stock price has also appreciated much faster then their dividends making the yield somewhat small Even NVIDIA pays a dividend .
Invesco's RWL charges 0.39% in net fees compared to 0.03% for VTI. That would be $300/mo more per $1M invested and the RWL doesn't seem to fare any better in past down markets.
I will never understand why all investment subreddits are so intensely brigaded by the hard-left. What does this nonsense article add to an investment discussion around a SCOTUS decision on tariffs? What are you hoping to gain? You think some VTI/VOO/VTX-investor will go like "Ah, I was going to read about the economy and how it affects my investments, but then I saw this marxist article on transexualism and now I will instead read about Karl Marx" ????
No, it’s the first real popular index fund. It’s expense ratio is low, so it’s not worth viral marketing. It’s just a good general choice and has been for decades. When someone says “I have no idea what to invest in, what should I do”, it’s a great answer. Along with VT, VTI, etc.
>, growth-based stocks and or ETFs/mutual funds should be 100% the goal you had me in the first half, IMHO I do not know what will out perform in the next 30 years , VTI/VOO are not growth funds, they are broad market funds that will hold growth and value and also pay dividends Growth focused funds like SCHG are not guaranteed to grow more in the next 20 years, they might, they might not. I would say age doesn't even matter , I have no clue why people think they need dividends after 40/50/60? Returns are what matter. TLDR do not bet on growth or dividends buy the market . SCHB/VTI/ITOT take your pick
As others have stated, this is not technically a hedge because there is no negatively correlated or structurally different performance. Semantics? Maybe in your case, but precision is still important. When you’re talking about adding assets with lower correlation to reduce volatility, that’s textbook diversification. BRK may have less sensitivity to the same drivers as VTI or VT, but it’s still sensitive to the same drivers and moves in the same direction. And beta has little to do with tail risk. A true hedge against equity drawdowns would do something equities don’t. You can’t hedge equities with more equities. Pedantic? Maybe. But I still think it matters, though I’ll admit to being a persnickety person. All that said, if you’re having any worries or anxiety about equity risk, what you’re really asking is whether you’re overexposed, which is an asset allocation question relative to your objectives, timeline and risk profile. It’s probably time to revisit your balance of stocks to bonds and the makeup of each (i.e., US vs Intl equities, duration and credit types in bonds). This is the single best thing an individual investor can do in this case. Review what you’ve got, keep it simple, don’t overthink it, and don’t put yourself in a position where adding extra complexity for theoretical benefits introduces execution and behavioral risk, which is ironically what you’re trying to avoid - unnecessary risk.
>The 10-year returns The past 15 years, let alone 10 years, are absolutely not representative of anything. It's the biggest bull market and biggest US outperformance period you could have cherry-picked. Obviously VTI performs better during this specific period. The point of target date funds is to increase the **risk-adjusted** performance. Yet you keep talking about the performance, ignoring risk altogether.
If you had bought VT instead of VTI, you would have saved a fraction of a second because that's only 2 letters to type instead of 3
OP asked what helped to stop overthinking. You spent more time writing that wall of text than I have spent on tweaking my investments in the last 15 years combined. 15 years in which I have gone from zero to a million bucks doing nothing but maxing a 401k and IRA with 100% VTI. That's good enough for me.
Well done! Admittedly I'll probably start sliding more towards a 100% VTI portfolio in a few years and, ugh, incorporate some bonds around 50. That said, it's anyone's guess how the next few years will play out! Best of luck to you!
Im mid 50's and hold an aggressive portfolio like you. VGT has been a game changer for it. I too get concerned about allocation. I'm45% VGT, 45% VOO, with cash and a splash of GLD and SLV in there as well. I'm in the process of selling a second home right now. The profits from that will be allocated to something like VTI. Just for the sake of balancing it out more.
Currently I’m mainly in VTI, VOO, VYM but I want to add an international fund like VXUS
Nothing wrong with VOO/VI it's slow, safe, growth over time. This is my strategy and I believe it will beat VOO/VTI over the next year, but I have higher risk exposure in SMH and SGOL. |SMH (Semiconductors)|15%| |:-|:-| |SCHD|20%| |GLD/SGOL|15%| |VYMI|10%| |SGOV|10%| |SCHG|30%|
In Germany, you cannot buy American ETFs VOO and VTI.
I do VTI, VOO, VWO and VEA. Majority being VTI.
Investopedia is your friend: https://www.investopedia.com/terms/e/etf.asp It's an asset you can buy just like a stock. It's technically a group of securities put into a single fund. Some popular ones are VTI and VOO. Their holdings include big companies like Nvidia and Apple and Amazon. You buy shares of the ETF instead of the companies directly. It's a decent way to diversify your holdings without having to think about it too much. Just buy stuff like that and hold until you retire lol
Don’t listen to him, your intuition was actually correct. Berkshire is a half decent hedge because it provides stability. Going into VTI or VT or whatever means you absorb all of the downside
At 27, time is your biggest edge. A broad ETF like VTI or VOO is plenty on its own. Owning both is mostly redundant, so I’d make one of those your core and keep it simple. If you want, you can add a small slice of something riskier for growth, but keep it small enough that you won’t stress during downturns. SPLV can smooth volatility, but it may lag long-term. Biggest key is consistency and not touching it when markets get rough.
BRBK and VTI are good picks, SCHG. That said, the last three years I’ve basically said fuck it and have actively traded in my Roth IRA more than my actual account and not contributed to it, and I’ve managed to outpace VTI and VOO even if I account for hypothetical maxed out contributions that I haven’t made. So that’s been interesting. Long term is usually 10 years like you’re saying but a Roth IRA or 401k long term is longer than that because you’ll be looking to withdraw from it when you’re in your 60’s (not sure how old you are). The responsible choice is VTI and BRBK in my opinion.