VTI

DocInABox33

Do you understand there’s essentially no difference because of concentration? You are basically owning QQQ with VTI so just pick QQQ and find another asset that doesn’t have overlap of your aim is true diversification. All these people saying 70/30 VTI QQQ is a good idea… VTI is 46% overlapped with QQQ. Your true composition is therefore Non-QQQ component of your portfolio .70 x .54=0.378 QQQ component of your portfolio .70 x .46=0.322 .30 x 1=0.3 0.322 + 0.3=0.622 QQQ IS 62% of your entire portfolio!!

_Underscore_Unders

QQQ should almost always be a small satellite unless you have an above average risk tolerance. They're are some who go 100% qqq but these are definitely outliers. I've personally held it at between 10-13% over the years. If your really young your portfolio could use the growth, but it's a riskier hold than VTI in a severe downturn.

sleezly

I went 50/50 approx 20 years ago. As you can imagine, both investments are doing great but the tech heavy side has outperformed by a large number. No idea what the future will hold but my bet remains the same; AI companies will likely grow in to cash cows from cash burners. VTI + QQQ (or VGT) with equal weighting is a good play.

onomatopoeiahadafarm

Listen to u/RandolphE6, OP. Everything in QQQ is already in VTI, and there is no basis for investing in "the 100 largest non-financial companies listed on the Nasdaq" as opposed to any other company or set of companies.

Dirkredblade

Go 65% VTI, 25% VXUS as your base. Then the last 10% for trading, speculation/fun, etc, examples would be gold, ibit, or single stocks, or if you want to tilt QQQ. That way 90% of your portfolio is responsible and balanced and automatic and you can ease some of the desire to "beat the market" with that last 10%.

culturefan

Mostly stocks (mostly Mag 7 stocks) and one ETF (VTI).

-Mx-Life-

Just use an online tool like this. [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) If you don't want to deal with all that, VTI is the entire US stock market. A single ETF that covers it all. Then you can add bond; reits; gold etfs etc on top of this for a complete portfolio.

JahMusicMan

When I started investing in 2019, I had no idea what I was doing so I was buying small (like a few hundred $) of VTI, VOO, QQQ, VUG, VT thinking I was diversifying. But it's too late for me to rebalance to a more simpler portfolio with just VTI, VXUS, and VB/VBR since I have sizeable gains. I'm Mag 7 heavy especially since I own META, MSFT, and some APPL too.

RandolphE6

QQQ is recency bias and marketing, not fundamentally sound investment philosophy. There is no economic or fundamental justification for why a company listed on the Nasdaq is inherently superior to one listed on the New York Stock Exchange. As an example, the dot com crash saw QQQ drop over 80% with 14 years to recover. Furthermore, everything in QQQ is already contained in VTI. Splitting only concentrates into those large caps, which historically underperform over multi-decade periods. If you truly want a factor based approach, look into adding small cap value ie. AVUV.

NightlyNews

If you’re buying broad market etfs like VT/VTI you have to have a reason to have multiple holdings as they are already strongly diversified alone. There are relevant cases to own multiple funds for diversification. Did you buy VOO/SPY young and want to have a more diversified holding like VT without selling and incurring taxes. Then you can buy VXUS and VXF. Those hold international and domestic non SPY funds respectively. They have no overlap with SPY, so increase diversification. You will have to manually rebalance. Even in that case is optimal diversity worth the extra effort to you.

Ok-Barber3419

70/30 is totally reasonable if you understand that QQQ portion is basically an extra bet on large-cap tech/growth. Personally I’d keep VTI as the core and use QQQ as the tilt. At 22, the bigger win is probably just maxing the Roth consistently every year and leaving it alone.

Parrham

Imagine if you just put that 151K in VOO or VTI and didn’t touch it for 10 years

LanceX2

hes talking about VTI is up 13% and even if we dropped to 10% thats a good year

RecommendationFit996

It depends what THEIR goals and risk tolerance is. If they prefer safety, ladder some bonds or use a high yielding money market for a chunk of their assets. If they prefer steady income, set up an income portfolio for them. If they can tolerate risk and don’t need monthly income, but can handle a draw system, you can use my plan. With $2M, they can safely spend $80k (4%) per year as a starting point. I’d set aside 4-5x that in order to make sure they wouldn’t need to draw down from their equities during bear markets or crashes. So $400k in either laddered t-bills or a high yield savings or money market. Then the other 80% is invested in equities, namely VOO, or VTI with a small percentage in SPMO, QQQ or VGT, or any combination thereof. This will provide growth over time. You sell equities to replenish the 5 year cushion fund during flat or up years, and just draw down on it during years when the market is down, replenishing it when the market recovers. The beauty of the system is that over time, the 4% annual spending money increases with the performance of the market which should more than cover inflation. The potential drawbacks, it will require a more hands on approach to refund the slush account annually and could lose value if the market goes through an unlikely abnormally extended bear market lasting more than 5 years. But they have to be okay with the plan and taking that level of risk. Will they freak out if the market and thus the value of their portfolio drops 20-30%? Will you be able to handle that feeling in the pit of your stomach? We never know when a market correction or bear market will come or how long it will last. But history tells us that at some point it will. Just factor that into your decision making process

hotsicktwitch

Should I wait until the market is down again to ape? I’m fully VOO VTI right now but I used to trade single stocks.

Linett-Chukwuemeka61

Food and beverage is pretty cyclical and competitive with thin margins unless you're picking specific companies with pricing power or moats. If you're looking at it as a sector bet, broad index exposure through VTI covers it well enough without the stock-picking risk.

amg-rx7

Go to your favorite financial news website that has a security charting feature. Type in VOO or FXAIX if you like mutual funds - or VT, VTI. Change the time factor to the equivalent of all. Check the direction of the chart. Check the % increase (growth). It is probably a continual line up and to the right. Play with the time range to see how things change but always eventually resolve up and to the right. Meaning that it is growing in value and your wealth is increasing. Now try to reconcile that actual data to your feelings and make a rational decision that you are comfortable with

JayOhio222

Just gonna throw all my money into VTI and delete the casino app.

InvestInTwinkies

What? SPY, VTI, VTV, VUG may as well all be the same fund. Just buy VTI 100% if you’re bullish on American tech. Throw in 20% VXUS if you want a little diversity and call it a day. If you must then you split up investments by market capitalization, not whatever you’re thinking. Could look at Avantis funds for the value tilt if you really want, but I don’t think that’s necessary. You have to look at what each fund invests in and how they play a part in your portfolio.

dulcimerist

I've got my VTI reinvesting into VTV. Beyond that, I'm changing nothing, and that change is more because my risk tolerance is lowering slightly as I age. In honesty, the "bubble" is big enough that the knock-on effects are going to be widespread if/when it goes.

LAHAND1989

What would you recommend as a 30/30/30 split or 25/25/25/25? SPY, VTI, VTV, VUG, VXUS? My own portfolio is split 50/50 between SPY and VTI? Guess I knew there was significant overlap but I am and have been also bullish on tech so didn’t mind overweighting it a bit.

Exquisite-Load8654

I’m not changing a thing. DCA into VTI and keep a decent treasury bill position for life needs.

RichardFlower7

Hilariously I tried to make a point about this the other day: loss aversion and the cost of panic selling… at best you’ll lose a lot doing this… at worst you’ll buy bonds and both bonds and stocks will go down at the same time lol the stocks market will recover buy bonds could stay fucked… my point was target date funds are bad and stupid just buy VTI/vxus and maybe SCHD in varying proportions. Sorry you’re in this worst case scenario position

thedeadcricket

If you are in your 20s trying to diversify away from tech, look into something like VTI vs individual stocks, if there are a few companies you feel strongly about, go for the individual shares. KO and Cola are both well established and not going to be doing anything profound, with VTI you might have a few out of the roughly 3000 companies perform better than expected.

fmotto

Yeah as people have mentioned I feel like overlap isn't that big of a deal, I wouldn't sell ETFs just because of overlap especially if they are going to be charged capital gains on them. Moving forward it would be good to just be more aware of your overlap (which it sounds like you are) and ensure you're investing in a way that diversifies more (if that's what you want). You can use [turtto.com](http://turtto.com) to view overlap among many ETFs and it would also show how much you have in individual holdings. Like VTI/VOO and QQQ are going to have a lot in NVDA, AAPL, etc already. So maybe you're fine with that but might be worth just investing in ETFs instead of individual stocks as you'll be heavily weighted in the super mega cap stocks anyway. [Here using turtto](https://turtto.com/?tickers=VOO%2CQQQ&timeframe=ytd&graphType=adjclose&alloc=50%2C50&allocMode=percent) you can see that at a 50/50 split in VOO/QQQ (not recommending that) you'll have \~8% in NVDA and \~7% in AAPL.

Few-Praline9810

A legit answer is to join bogleheads and passive investors, and realize most people will never beat the market (I learned this lesson too a year or so ago). Rebalance your portfolio into some market ETFs and passively invest. My current portfolio is like VTI (or VOO) like 60% or 65%, VXUS for international exposure (like 30% or so). And a bit of AVUV for small cap exposure. If you'd rather bet on tech rn, QNDX for the cheapest nasdaq 100 (or QQQM or QQQ, but these have higher cost basis). Then don't touch the money for years. Don't try to chase yield, dividends, or high risk high reward. You can claim up to $3,000 on your taxes for the losses btw. Actively traded funds are pretty bad. Play with the numbers, watch historical stock market videos on risk (Ben Felix maybe). Uhhhhh. Check out bogleheads. They're really risk averse, but they still get pretty good returns. About half that of top 100 nasdaq companies. The reason you get a lower yield is because the top 100 nasdaq companies (QQQ, QQQM, QNDX) are heavily skewed tech and US. Which opens you up to consentration risk. And they're all large caps, which means smaller growth possibilities (and potential dot-com bubble corrections). You'll sleep better at night if you just passively let your investments play out instead of chasing gains. It'll take you a few years to see significant growth. And tbh you are at the point where I definitely could see your portfolio increasing to 100k easily if you just don't gamble and surpass that. At 100k, you are 1/3 the way to 1 million in time. At 300k, you are 1/2 to 1 million in time. iirc "No one wants to get rich slow" - warren buffet or something. Anyway, yeah, I can't guarantee anything. Not financial advice, but I do think it is a better plan than whatever you're doing.

PusheenHater

Is VTI safe?

Main_Ad3943

Ah I see. You've been trading memory too then, any predictions on where we may go next week? Obviously cannot be know, just curious what everyones sentiment is. I am current in a memory position that is stressing me o u t. Bought it after SNDKs earnings dump on its way back up Thursday morning, but got absolutely dumped on Friday morning. Honestly after I exit it, regardless of if I win or lose, I probably will stop doing options and maybe just move to VOO/VTI and chill, atleast until this market stops acting so crazy.

Shoganai_Hito

Was doing some risky options plays around earnings and ran up from $45k initial investment into about $110k… so plus +65k. Had some winners that i sold way to early on… including a SPY call i sold for a $300 loss… was a 3k bet that peaked at $64k a few days after i sold. I have been doing momentum plays lately on memory where i place $100k on stocks and sell after a small gain (\~$500-$1,000) I tell myself everyday to stop day trading and just VOO/VTI and chill

Main_Ad3943

brother if I was less of a retard, this would be true, but right now I would've loved to have just dumped all my money in VTI and never looked at it again

really_original_name

That beats the whole purpose of trading. Voo and VTI are long term investments.

brother7

I have accounts at all of the top 3 (Vanguard, Fidelity, Schwab). My top choice is Fidelity. For a young person, a single ETF that covers "the market" is fine. Something like Vanguard S&P 500 ETF (VOO) or Vanguard Total Stock Market ETF (VTI).

Substantial-Task-112

27M, about $291k in total assets. Looking for advice on my portfolio. I make about 65k a year and my risk tolerance is high. Not married no kids and no debt. I'm trying to save for retirement. I currently have about $75k in my Roth IRA (80% VFIAX, 20% VGT), $129k in my TSP (75% S Fund, 25% C Fund), $2k in a brokerage (VTI/VGT), $10k in a HYSA, and $75k in crypto. My current plan is to leave the VFIAX I already own, but put future Roth contributions into VGT and possibly make the Roth 100% VGT over time. For my brokerage, I was thinking about just buying VTI going forward instead of adding more VGT. I would keep my TSP at 75% S / 25% C. I'm 27 and investing for the long term. I know I have a pretty aggressive portfolio, especially with the crypto and VGT. Does this allocation make sense? Would you change anything, especially the VGT/VTI/Roth strategy or the amount I have in crypto?

The_Lonely_Optimist

If he invests as little as 25% of his income, VOO/VTI could actually be amazing choice… if he wants to comfortably retire by the time he’s in his early 70s. 🙂

Timely-Problem-8463

Because owning 500 stocks is better than owning 100. But actually VTI (over 3,500 stocks) or really VT (over 10k) and chill is the correct answer.

RickDick-246

I would lock in those gains and probably put it in ETFs. And I have. I don’t necessarily want it in SGOV. If I were just going to try to beat inflation and needed that cash in the near term, I’d probably just stick it in my HYSA. If it’s going to remain investment money, I’d de-risk it and go 80/20 VTI or VOO and VXUS. There are a million ways to cut it. You could take half and put it in ETFs, you could take a % and put it in SGOV or an HYSA, you could leave half in individual stocks. Just depends on your risk tolerance.

DistributionFun9623

You're 22 and have a fat savings rate, but a house down payment isn't a retirement account. Even with the flexible timeline, one bad year at year 4 will wreck your plans. Keep it in Treasuries or a HYSA, maybe a CD ladder. If you want some upside, put a small slice in VTI and leave the rest safe.

Emotional-Power-7242

The philosophy behind VOO and chill is that you just buy the entire market at cap weight for as low a fee as possible and recieve average market returns. VOO returns by definition are average (US) market returns. Technically VTI is average US market returns but VOO is close enough as to make no difference. If you try to recieve higher than average market returns you are extremely likely to actually recieve lower than average market returns net fees. The only reasonable you would buy NASDAQ is because you think it will outperform VOO. So per this philosophy you will underperform VOO. So you just buy VOO.

Lioil1

So one of my stocks (PLTR) triggered and i have about 50k sitting in my IRA account. Currently my Stock:Entire savings(401k,brokerage,ira,hsa) is about 18%. Should I take the opportunity to rebalance by putting it in something like VTI/VXUS(my go to) or is there a stock that "i gotta get"?

SummitSloth

Do you only buy VTI and get pissed off at all of the "younguns" making more than you ever will?

SuburbSteve

Every 8 years plus or minus 4 years we will have a big market correction, so you have to be prepared to live through them. A 30 year old will see 4 big corrections by the time they are 60. It is part of the process , just buy VOO and VTI and never look at them.

CecilGeorgeEdwards

VTI assumes that the US market will continue to outperform the rest of the world.

Bob_the_peasant

Other stock subreddits: “I feel bad for WSB, my VTI is up 13% this year!” WSB: “I don’t even think about you” (+35,000% YTD, including some catastrophic losses)

True_Succotash1563

Depends what the index fund is. QQQ and VTI are not the same.

Exquisite-Load8654

But VTI and stop assuming you have any idea of what’s to come. Good luck.

Valvador

But this requires VTI as a whole to go down (meaning the market as a whole is down), whereas direct indexing you can still harvest when the market is up.

Particular_Rice9607

sad VTI went from 0.02 to 0.03 :(

Barcode_Griller

I'm going to give you some adult advice before letting you into the casino. What you should do is build up an emergency fund of 6 months of expenses not to be touched unless it's truly an emergency. Then invest enough to get your 401k match. Then max out your Roth IRA. Then invest a set amount of money every paycheck into a boring ETF or set of 1-3 ETFs (personally I'm 70% into VTI and 30% into VXUS). Really your 401k and IRA should be the same ETFs or something similar. After that find some play money and have fun in here.

Particular_Rice9607

VTI lol

CEO_of_SOXL

Hey dudes. My coworker told me to come here to discuss $VTI and chill.

No-Apartment1185

How about take half and put it into a VTI or VOO?

papablessed420

u/teh_herper last 100k in my trading account lmao im not a maniac i have 1.7M in VTI

Reasonable_Priority1

Since when did VTI become a top holding?

Superunknown999

You can still use funds. VTI and VOO for example. They track different indexes so it won’t trigger a wash sale but the correlation for gain/loss is like 99%. So if you own VTI and it’s down and you want to tax loss harvest, just flip it to VOO. 31 days later you can move it back to VTI if you like but in the meantime you’ll have essentially the same return in that 31 day period but now have a tax loss on the books.

Wookiee27

If you want to not look at your portfolio everyday, buy VOO and VTI. If you do, GOOG MSFT AAPL.

ohgodthehorror95

QQQ and VTI didn't really have a choice. QQQ is the top 100 nasdaq listed companies. And VTI is total market. The S&P Global, which creates the S&P 500 index, has discretion over the companies that add. Also they have a rule about companies needing to demonstrate 4 quarters of GAAP profitability before beinh considered for index inclusion.

InvisibleEar

VTI

Valvador

> 40% allocation to bond ETFs like BND and TLT moved in positive correlation with the stock market in 2022. Depending on your composition, the drawdown in that bond allocation even exceeded the broad stock market downturn. A few things: * No one should have 40% in bonds. Not even retired individuals. * If you look at Total Return, instead of "BND" stock chart it still did better than VTI. [Check this out.](https://totalrealreturns.com/n/VTI,BND) 2022 was a ~20% loss for VTI while a ~13% loss for BND. However if you look at 2008, the story was different. But you're right, bonds expose you to interest rate risk, which in the COVID days was actually significantly worse than anything recent-ish.

Checkerboard2017

So you buy VOO and revisit VTI after 30 days.

Zach-12345

But no I don’t not want to mess with the IRS. From what it looks like with VTI and VXUS I really don’t neeeeeeeed to tax harvest. It seems like a big hassle for me since I’m wanting to put in 150 a week for 30 years and not worry about the account or touch it besides maybe rebalancing.

Zach-12345

So let’s say VTI is down 2000 and my Vxus is up 5000, I could sell my VTI and put that into VOO for 30 days or whatever the window is and once I file my taxes I can sell my VOO and put that back into VTI so I would be doing 5000-2000 which is 3000 I would have to pay taxes on?

Raiddinn1

VOO is more diversified across different sectors than QQQ is by a long ways. That said, QQQ is probably fine. So is VTI, or VFINX, or VFIAX, or or or or or. For best results, pick something rules based with greater than 28 companies spread across as many sectors and investment strategies as possible. I don't know why the number 28, but I am pretty sure I heard it thrown around in theory circles before.

KitchenThen8629

I’m more of a VTI and chill

bobdevnul

\>And I guess if This is right, what’s the day that you need to sell your fund for it to count as a loss. For the loss sale to not be a wash sale you have to sell it more than thirty days after any previous purchase of a substantially identical security\* and not buy a substantially identical security within 30 days of the loss sale. The previous and subsequent purchase applies across all of your accounts. Your broker will catch it in the same account. They have no way to know about what happened in accounts elsewhere. As a practical matter the IRS won't know about wash sales across accounts. They only get info about security sales, not purchases. They would only catch it in a deep audit. It is not advisable to do this. I don't play catch-me-if-you-can with the IRS. The IRS has not clearly defined exactly what substantially identical means. We know from experience that brokers will not flag wash sales of securities with different CUSIPs. You can trade between two S&P500 funds without getting flagged for wash sales. It is probably ok because they have different managers, tracking error, and index sampling that makes them not identical enough. I personally would not do that, because, again, I don't play catch-me-if-you-can with the IRS. Trading between VTI and ITOT or VXUS and IXUS should be fine even though they are both total market funds. They follow different indexes. \*The wash sale rules apply to any type of investment, not just securities.

therealjerseytom

> if it’s down I would sell vti for an equivalent fund (ITOT) 30 days before tax day and let that sit in there until my taxes are filed and then sell that fund back for VTI Not quite, on several fronts. Really doesn't have anything to do with tax day. And you want to avoid two funds that are "substantially identical" tracking the same index. A good TLH companion to VTI would be VOO, since they are highly-correlated *separate* indexes. On any given day you could sell VTI for a loss, *and immediately buy into VOO*, and you've effectively bought into "the same thing" (close enough) at a lower cost basis while banking a loss. The thing is it's not magic. It's more like shuffling your tax burden around rather than eliminating it (unless you happy to be in a 0% LTCG bracket, in which case you can do some good stuff). By buying back in at a lower cost basis, it means there will be more gains at some point down the road when you sell that new position. But it can be very handy in rebalancing taxable portfolios, if nothing else. It also really helps to have regular influx of new $$ to work out long term. Otherwise if you just buy in with a pile of money and don't add to it, over a long enough time period all of those positions will likely be gains.

Spectralcolors78

I just put a set amount in every month.  I have VTI and VXUS. My only risky stocks are Hovr Aduro and Air Joule Technologies. I no longer add more shares of these. If they take off great, if not well I'm not losing alot of money. I learned some extremely harsh lessons from Crypto!! LOL 

Valvador

When people talk about Tax Loss Harvesting, it's a lot more useful to do if you are manually indexing (manually buying stocks that are part of an index). Morgan Stanley basically tried to convince me to use them as an advisor over VT/VTI because I can do direct indexing, which lets me Tax Loss Harvest by selling individual positions, which you wouldn't be able to do if you had VT/VTI, since it's a single fund. Say you are holding the equivalent of VT, but the specific individual stocks (complicated portfolio). The one benefit of this is that if you ever wanted to sell some VT, even if it grew by 100% you can still probably find some stocks in there that fell and sell them off to offset your gains, extracting cash without owing any debt. Now this fundamentally changes the composition of your "index", and you'll have to re-allocate to make up the difference if you truly want to track the index. But the trick is still there. You can't really do that by holding big funds.

DarkVoid42

just use VTI/VOO and dont bother about any of this nonsense.

MaybeTheDoctor

I believe wash-sales are when you buy the same or equal again within 30 days. So selling VTI and buying SPY, you should be clear of wash-sale. Also, selling VTI and then buying VTI again 31 days later, and you are also clear of wash-sale.

Superunknown999

Not quite. What you are looking for is let’s say you own VTI. That’s a total market fund. Let’s say it drops 10% and you want to tax loss harvest. You would sell VTI and buy a fund like VOO at the same time. While they are highly correlated, they are not tracking the same index so it is generally agreed this would not trigger a wash sale. Your performance would be fairly similar, but you would now have a taxable loss to carry for any future gains.

_peanut_butter_bear_

Same here - I still buy VTI in my fun account along with Nividia.

JahMusicMan

I rebalanced last week after consolidating all my IRAs and one Roth. FWIW, both times when the transfer of assets happened, there was a dip in the market because of the Iran war and the assets were sold right before the small dip (we are talking like 4% S&P 500) and I just bought in on the dip and prices came back up and are even hire today (could go down tomorrow or next week or next month, no one knows) Ended up rebalancing: 45% Total US stock Market 25% Total International 15% Small Cap Value 15% Bond index fund. (I might lower this to 10% since I have way too much cash on hand and in t-bills in my brokerage). The reason why I rebalanced now though is because I received an inheritance and also I'm heavy MAG 7 in my brokerage account via META, MSFT, APPL plus index funds (VTI and QQQ and VOO (I know I know, they hold the same shit basically) and I can't rebalance without tax implications. Depending on how old you are and when you need the money, if you are a decade away or more from needing the money, then you are spending more mental energy sitting on the sidelines with that 25%. 25% on the sidelines is not going to move the needle IMO so you might as well rebalance now, and not have to worry about all the shit going on in the world. The whole purpose of asset allocation and diversifying is to help you get on with your life.

Eagle4523

Good luck; I’ll continue to DCA in VTI until I retire

guy_with_pie_

VTI is my biggest position and I love it

AdeptnessLive4966

You are right, people that hold QQQ, VTI and others own some SPCX. But at least SPY had some balls and rejected the fast track.

West_Lavishness6689

VTI/VXUS and chill but also a side hustle with some nuclear stocks

West_Lavishness6689

some VTI, VXUS, maybe nuclear as a small portion as my next gamble

Uatatoka

Global 3 fund. 70% US (VTI), 20% international (VXUS), 10% bond (BND)

IMakeBadTrades

VTI 😏

456M

According to Google Finance: >[VTI](https://www.google.com/finance/beta/quote/VTI:NYSEARCA?sa=X&ved=2ahUKEwjL96CRnIiWAxUmgf0HHczfGc4Q3ecFKAN6BAgcEAQ&window=YTD) >[VXUS](https://www.google.com/finance/beta/quote/VXUS:NASDAQ?sa=X&ved=2ahUKEwjtnq-WnIiWAxVG_7sIHRDdI8wQ3ecFKAN6BAgcEAQ&window=YTD) How many times do we have to teach you this lesson old man?

InjuryEmbarrassed532

Literally on Google type VTI and go to YTD. There should not be any confusion about this as it’s black on white. All my apps show the same number.

BarefootMarauder

*Safest* is HYSA or US Treasuries. But it could depend on the agreed upon definition of "safest" and "investment". To me, those aren't investments, but rather they are places to keep cash safe. For an actual investment, I'd say a low-cost total market or world market index fund. VT & VTI would be examples.

456M

[VTI](https://i.imgur.com/2kpcZMD.jpeg) [VXUS](https://i.imgur.com/ktfZQ6B.jpeg) You were saying?

MitchCurry

I don't own VTI but it's 26% YTD, 21% CAGR the past 3Y, 15% CAGR the past 10Y. Meanwhile "time in the market" people have gotten all the gains. Wtf are you talking about lmao

456M

Idk what charts you're looking at, but YTD as of writing: >VTI - 13.80% >VXUS - 14.69% This does not include dividends either which VXUS exceeds VTI.

LaughingIntoTheAbyss

Holy crap that's a lot. How about equal Parts VTI, SPMO and SCHD. It's a barbell approach between SPMO and SCHD and you've got a nice baseline in VTI. It's all US equities, so you go as they go. It equates to about a beta of 1.0 with an opportunity to advantage of tech's outsized momentum.

InjuryEmbarrassed532

VTI > VXUS year to date. Back to business as usual?

user-namepending

Clearly the concern was that SPCX inclusion was going to drag QQQ and broad market index funds like VTI 🫩 don't play dumb now.

FlameLuvr

guys should i only be buying VTI in my roth ira

babar_the_elephant_

VTI 381 what the hell

babar_the_elephant_

It's set up for a rug but I am just fully into VTI who cares anymore

fakieTreFlip

VTI and chill

dopexile

Either 100% VTI and chill or else just YOLO it on 0DTE calls on SpaceX

CartoonistGuilty8058

60% voo 40% VTI and chillllllll

Findletrijoick

VTI, VOO, UST bonds - 750k, 200k in mag 7, 50k into ONDS RKLB ASTS

glimsky

SCHG/SCHD is a much superior combo. No "income" ETF that will slow your total return over the years. But at your age you should be considering a VTI/VXUS combo instead.

jabs09

Park that shit in VOO/VTI and enjoy the gains instead of losing 100k

PTTCollin

I'd just buy VTI.

No_Arm_6582

Checking all my positions, what’s closest to ATH 🤔 Boring ass VTI which makes up 70% of my port

Noderly

It's in $VTI and $VOO. Not like I can ask vanguard to remove it