VTI

GameOfThrownaws

Unfortunately $150k is way too low by today's numbers. As others have replied, it does depend to some extent on how old you are. Like if you're 18 and you've got 150k sitting in VTI, then yeah you're good, even if you only contributed a couple hundred a month for the rest of your life you'd still retire a multi millionaire. But that's a very extreme case, nobody's got $150k invested as a kid unless their family is rich, in which case, you were gonna be fine anyway. So it's not really worth considering that case. The vast majority of the time, $150k isn't going to do you much good, interest-wise. The real way to answer this question for yourself is to just google "compound interest calculator" and spend 10 minutes tweaking your inputs around and observing the results. It's not complex or anything, these calculators are quick and easy to understand. The only part that is a slightly complex is the idea where your income will change over time, probably increasing due to inflation and/or career advancement, so your monthly contributions should theoretically increase as life goes on. Anyway, for my part, having messed with those calculators before, the spectrum looks something like this: * Mid 20s - About 200k is pretty safe. Even if you contribute very little from then on (like a couple hundred a month tops), you'll still have millions in your 60s. * Mid 30s - You want more like 500k if you want to be retiring relatively well-off on mostly just the interest. * Mid 40s - Getting up there, about a million will do it * Mid 50s - Ideally you want to be pretty close already, you need like 2.5 million at this point Again those numbers would be for, as you were saying, getting basically solo carried by compounding interest. As you'll see when you play with the calculator, what's really key is just staying consistently lucratively employed such that you rarely or never need to reduce your contributions. For example, if you're in your mid 30s and you have a career, so you can expect to pretty reliably contribute say, 3000 a month (a growing 401k yearly max, let's say) for the next 30 years, then you're going to retire as a multimillionaire even if you've got $0 invested today.

horseman5K

You’re not really telling us your overall allocations of each investment, so it’s not much of a plan, but my thoughts are that this is a terrible plan. I wouldn’t bother with gold or fundrise personally, but if you just, don’t make gold and fundrise more than 5% of your portfolio each. Just do VTI and VXUS for your ETFs.

charliekunkel

I'm avout years out and my Roth is now all JEPI/Q, and 1/2 of my 401k is SPYI. That way if there's another recession coming, I'll be fine. The other half of my 401k and my personal brokerage is target date funds, VTI/VTSAX/VTWAX, and a few individual companies. I worked too hard for my money to put it in anything riskier than that just for the sake of greed. Will i miss out on some gains? Probably. Will i also not get set back from retirement by 10 years if theres a crash? Yup. Totally worth it IMO.

ATPsynthase12

Bump VTI 10% and VXUS 5%. Depending on how risk adverse you are, you could put 5-10% into bonds. That leaves the rest for fun money and speculation.

Flayum

I like compounding gains, that's why the CAGR for VOO and even VTI is higher than any dividend index. Plus I get to realize gains whenever I want instead of being forced to. Enjoy deluding yourself, bud.

Flayum

> cash emgenency funds only earn enough interest to keep up with inflation. So once you get albove 6 months of money your are better off investing the money into a dividend fund or grwoth funds. Uh, sure? I guess that's not the argument. If we can agree that an eFund is necessary (and sufficient), then we can confidently invest the rest in the market directly: dividend, growth, or just broad index funds. > Money I can use to... All these things I can just do with my own income, without causing an additional taxable event. A worst-case example: in the event I can't refill my eFund with income because I've lost my job (and may have 0% LTCG), then you'd have to show dividends funds (despite the tax drag) would outperform something as simple as VTI in this scenario. Much of this might depend on your tax brackets. But dividends for mine (~28% for qualified, ~48% for non) don't check out. Hell, that would potentially push me into higher brackets depending on the year because I'm forced to receive income I otherwise wouldn't have to. That's also why I keep my eFund in BOXX.

micha_allemagne

Why 10% SMH if you want to hedge against AI? Your VTI already holds plenty of semis, so adding SMH just tilts you more towards mega cap tech Rest of the build looks solid with a lean towards small caps. Here’s a breakdown of your plan: https://insightfol.io/en/portfolios/report/c45b32cfab/

Loan-Pickle

Last year I went cash gang in February, actively traded in March/April and then stuck everything in a boomer ETF for the rest of the year. Pretty much did the same this year. I just put everything into VTI so pretty much done trading for the year.

_Spyder-Man

VOO focuses on top 500 US companies, VTI is the whole stock market. If I had to choose one, I would just go to VOO ( SPYM is my preferred version just because the expense ratio is a little less ) . But they literally hold the same exact companies.

bmgarcia20

VTI includes small and mid cap companies. Those can be more volatile than the industry juggernauts in VOO, but you can’t go wrong with either.

KID_A26

Curious what the differences are... I am in VOO for a portion of my self-managed account and it's been good to me. What's the advantage of VTI over VOO? Comparing their charts over the last month they are practically identical.

ATPsynthase12

Do you know the easiest way to make a million dollars in the stock market trying to day trade? Start with two million. Pick a few (or even 1) ETFs you like like VTI or VOO and you’re golden if you’re young. If you are old or risk adverse put 10% in BND If you want to hedge against the US economy, add VXUS at no more than 25-35%. If you really want to tilt into one or more sectors (AI, infotech, robotics energy, healthcare etc.) research those sectors and pick one or two index funds that’s performing well to put no more than 10% per fund into. Again, DO NOT try to “short” a stock or day trade. You’re basically gambling and will lose money. Best strategy is to buy and hold and do the opposite of what everyone else does in a bear market and buy the dip in sectors you know won’t collapse totally. For example, if we manage to develop easily and cheaply produced electric cars and can move that tech to larger vehicles, “buying the dip” in oil is a dumb move. But buying the dip in say healthcare or tech is a solid bet that the market will grow and make you money.

ATPsynthase12

No way not with QQQ as volatile as it is. If OP is over 60, I’d say do 40% VTI, 60% bonds or the inverse of that and maybe sprinkle in some REIT for dividends.

Flayum

This might depend on your tax bracket then. For me, using something like DRGO/SCHD/VYM all lag versus a broad index fund (eg. VTI) when backtesting using my own tax bracket (~28% for qualified, ~48% for non). Broadly like 10.6% CAGR for VTI vs 9.75%, 9.1%, and 8.6% respectively for the others. And that's assuming I don't decide to liquidate in an advantageous (eg. low income) year or if moving to a lower tax state.

DatsMaPurse_IDKU

Yes. If you want to be more diversified go VT and chill but VTI is a nice middle ground between VOO and VT that I personally find comfortable for a retirement account

DatsMaPurse_IDKU

VTI and chill

ATPsynthase12

Stability and reduced volatility for bonds. Also gives a reserve of stable assets on hand in the event of a bear market for opportune investing. That being said I’m probably gonna reduce bonds to 10%, sell QQQ, and drop REITs entirely to up my VTI/VXUS commitment and tilt into tech and healthcare with VGT and VHT when I do my next allocation in a week. I think the info I used to build my initial portfolio was dated and more geared toward people closer to retirement who want more income and stability rather than growth.

jt1994863

It’s different because they are choosing a forced taxable event and losing part of the gains they otherwise wouldn’t lose had they invested in VTI.

PutinBoomedMe

My downside is significantly lower than VTI

Competitive-Teach675

VTI has ~13.63% CAGR for the past 15 years. How is your strategy different than just buying VTI?

Retired-Yam8988

Guilty but only for a chunk of my portfolio - my wife’s visa for residency in one of the places we live requires 80k in passive income. I shifted some assets to an account solely in her name for this purpose. We’re already retired and have about 10-11m nw so capital preservation is a concern as is steady income. I’d rather just make a steady 10-15% than chase all our gains with higher risk. We do have a big chunk in standard VOO/VTI/FDGRX type total market funds that have definitely served us well but the dividend story is becoming a larger portion of our story. We have a business that still operates and brings in about 1.1-1.2m a year but I’m seeking to replace at least half of this income with passive means. So far in the last few years since retiring from the business, we’re at about 300k a year in dividends and rental income. Options premiums make up another 150-200k a year which helps out. At any rate we’re nearing the near term goal of not really having to care about the business income any more and being able to sell it or turn it into an employee co-op.

pain474

What stops you from just making a new HYSA? Otherwise, send 50k to me, rest into VTI.

Retired-Yam8988

I mean it’s just time and consistency. I started in my 20s as a software engineer at MSFT and got my stock grants. They’ve 10x since then. I bought TSLA when I 37 (2017) and sold a bunch off in 2020 to pay off one of our mortgages after it too 10x. But most of my investing is mundane basket of VOO, VTI, and a few high yield covered call funds for income. Portfolio is at about 11m now as I turn 51 - half real estate and half in stocks. The stocks produce about 20k a month in dividends and I kick in another 5-10k in options premiums a month. We also have a business that brings in much more than this but my goal is to grow our monthly dividend and options about 2-3x from here in the next 5 years to balance out us giving more of our business to our employees since we don’t really contribute much to in any more.

deafgamer_

I hit 1 mil at 35. I'm almost 36. The whole investment is in VTI. Not much has changed, I can't retire until MAYBE 2m, most likely 3m. When I hit my 4% SWR number I plan on meeting with some sort of accountant or fiduciary advisor to confirm that yes, I can actually retire and at my age. My issue is I've been laid off for 8 months now and while I'm still looking for a job very actively I am still burning through my cash fund so I might have to start selling stock soon, which I really hate the idea of doing. My mental health is not that great since I am out of work and somehow cannot seem to get work despite being present and active and well experienced. In reality my mental health should not be that bad, looking at my $1m+ account should make me feel good but it doesn't.

Ecstatic-Tank-9797

My suggestion is ETFs in taxable account since they are more tax efficient. You can also do ETFs like I do in my IRAs as well, but that’s good to have mutual funds in since you can buy however much you want in dollars since there is essentially no minimum investment amount so it’s good to remove cash drag. I have Charles Schwab for all my personal brokerage accounts. I am currently in SCHG (Schwab US large cap growth etf), IYW (iShares US technology etf) and SMH (VanEck Semiconductors etf). People also seem to like VTI, VOO, QQQ and others. I did recently put some spare cash in my IRAs into SNXFX (Schwab 1000 index fund) to remove cash drag and I think it’s a good index fund. The ETF version of SNXFX is SCHK.

Ok-Sheepherder7898

Just buy VT or VTI or VOO

TheGoluOfWallStreet

Actually good part of my port is VTI+VXUS, which gives me buying power to then sell naked puts as a responsible degenerate

Qs9bxNKZ

Max out your 401K. Then your IRA. That will suck up a huge chunk of your free cash. You don’t appreciate it now, but the tax deferment at 30 will be great. Then 50% DCA into VTI and QQQ (50/50). 10-20% into a bond like USFR or SGOV. Keep the rest cash for when you want gift shopping Slowly move to a more interesting portfolio. Keep that 50% in equities and shift out of bond funds. 1. Tax deferred 2. Index funds for total markets 3. Blue chip stocks (blue chip to you, not everyone else) 4. Buy a Tesla. Save on registration and gas in NJ

Bob_the_peasant

When I do my weekly DCA into “real” investments like VTI / VXUS I do a flat amount of $$$ which never lines up with a round number of shares

Seref15

The common advice is to max out tax-advantaged accounts first, then do personal/taxable investing. In 2026 you can contribute $24.5k to 401k and $7.5k to IRA. If your health allows and your employer offers, you can also switch to an HDHP healthcare plan with an HSA which gives you another $4.4k of tax advantaged investing. Once thats maxed its time for a taxable portfolio. Its smart to start with passive investing and only move to active if you want to and after youve learned a lot. For passive investing, pick your "___ and chill": * VT and chill: VT is a total global market index fund. The fund basically follows the global market capitalization distribution of ~60/30/10 US/international/emerging. * VTI and chill: VTI is total US market index fund that roughly follows the US market capitalization distribution of ~75/20/5 large/mid/small cap companies. * VOO and chill: VOO is an S&P500 market index fund that invests in the 500 largest cap companies in the US. Will have to do some reading to decided which of the above you prefer.

rufio313

Just owning more or less of either depending on your desired allocation. Right now I’m 70/30 VTI/VXUS. If I decide next year that I want more international exposure, I’ll start investing more of my recurring contributions towards VXUS and less towards VTI until I get my desired allocation.

CaptainR_S

Can you elaborate what rebalancing means for VTI and VXUS?

rufio313

On the flip side, tax loss harvesting. You can harvest losses in just VXUS during an international downturn while holding VTI. With VT, you’d need a global selloff to do the same

Miggysmalls801

Put 40k in your taxable brokerage, start maxing out a Roth IRA and make sure your HYSA is only 3-6 months of money needed to survive (bare essentials) The other 69k I have no idea maybe ttreat yourself to a vacation then the rest dump into a nice etf as well like VTI or VOO

AskPatient1281

This is my formula. This is what I do. Maybe it will work for you as well. 1) Emergency fund - 6 months of expenses = $29,700 This should be invested in treasury. A good option is SGOV. Ok also to keep it at a HYSA. Not a regular savings account, but a HYSA. 2) Open a roth IRA and fully fund it to the max allowed = $7,500 Everything here should be invested in broad stock ETF, something like VOO or VTI. If you want, put 20% on international stock - VXUS. So 20% VXUS and 80% VOO or VTI. Invest the max allowed every year. 3) Open a brokerage account and invest the rest Follow the same formula as #2. So 20% VXUS and 80% VOO or VTI. Invest a little every month. It doesn't matter if the market is up pr down. Just keep investing a little every month. If you can invest $50, ok. If you can go to $500, great. But keep investing. 4) Check your emergency fund at least once per year. If you conclude that your cost of living went up, top it up. Add more money to it. 5) As you get older age 45 or so, start adding Bonds to your portfolio to reduce volatility. You don't want to retire with 100% of your investments in stocks. On your Roth (and 401k, if you have one), you can sell some of your stocks and buy bond ETFs like BND or IGIB. In Roth, IRA and 401k these movements are not taxed.

rufio313

VTI and VXUS if you don’t mind checking in like twice a year to potentially rebalance. VT only if you just want to chill and never rebalance.

SnS2500

\> you're paying two expense ratios to own the same 30 mega-caps twice. To think that is to literally not understand arithmetic. $1000 of VOO plus $1000 of VTI is the same .03 expense as $2000 of VOO or $2000 of VTI.

Sirspender

Can't get more passive than a low cost, well diversified etf investing in the world's best companies. VOO VT VTI ITOT Pick one, keep adding, and enjoy retirement when you get there.

ATPsynthase12

I ran some benchmarks and I think I’m gonna update my portfolio to this: VTI 50% VXUS 25% BND 10% VGT 15% When compared to the benchmark of Berkshire Hathaway over the last 3 years it has had a Sharpe of 1.12 compared to BRK’s .66 and a CAGR of 18.5% compared to BRK’s 14%. It also has a Sortino ratio of 2.03 compared to BRK’s 1.06 and a Calmar Ratio of 1.81 to BRK’s 1.4. So it seems to outperform BRK.A in nearly every metric from a risk to growth perspective. I noticed my REIT percentage was pulling down growth and I don’t need high dividend payout at this stage and I don’t like the tax drag so I’m dumping this as well as QQQ. I’m also dropping BND to 10% which exposes me to more risk from tech exposure but also lets me have more growth over the long term.

James161324

Generally speaking, you have one or two cores that could be VOO, VTI, or, if you want a bit more control, something like VOO and VEU. Then, depending on your risk profile and goals, you can add 10-30% of your total asset allocation to tilts. This could be some sector-specific ETFs, small caps, em markets, alts or even single-name stocks. Tilts will require more research and a more active management style, as they may not work in all markets. When your core should be pretty much set and forgotten.

Over-Computer-6464

What specifically is the problem with overlap? When I buy more VTI to add to my portfolio that is 100% overlap with my prior VTI holdings.

Over-Computer-6464

How about someone that suggests VTI and more VTI together? That is 100% overlap.

AlfB63

You specifically said VOO + VTI were constantly recommended. 

CornerOne238

Who recommends VOO+VTI? That's not a typical suggestion. It's either one or the other. You are preaching to the choir here, but there's zero value added. While we are stating obvious things, the sky is blue. Good luck on your investment journey.

rufio313

I’m 70/30 VTI/VXUS

Careful-One5190

>I see SCHD + VYM and VOO + VTI recommended constantly Allegedly. Please show your examples. I actually haven't seen those recommendations, and if anyone did say that, they'd be shot down immediately. It's always SCHD **or** VYM, and VOO **or** VTI. Your statement is called a strawman. It's easy to prove that you're right and they're wrong, except that nobody actually recommends that. And no, I'm not going to visit your website.

throwaway8237987

left US at 1/1.1 mil in May 2021 to canada. basically didnt add anything to it. coasted. left for SE Asia 10 months back. now its at 2.1. just took out 40K to pad a 2-3 yr emergency fund when we do actually retire, retire. but coasting is so easy right now. may just let it double one more time over the next 7-10 years. Stuck to our guns VOO/VTI/VTI/VEU ... lots of overlap. don't care, haven't looked at percentages. likely staying that way? May switch more to VT in retirement accts.

Infnits

Yeah the overweighting angle is fair, VTI + QQQ for a tech tilt is a real strategy as long as you know that's what you're doing. On the expense ratio thing you're right, it's basically a wash if both funds are 0.03 to 0.06%. The real cost isn't the fee, it's opportunity cost. If your intent was to diversify and you ended up with two funds that move together, you spent that allocation on something that didn't do the job. That same money in VXUS or BND or AVUV would've actually reduced your correlation to the US large-cap bet. So the downside isn't what you paid, it's what you didn't get. The portfolio looks diversified on paper but behaves like one position when the market moves.

Fun_Pay_992

Spot on. That phrase 'indecision dressed up as strategy' is a top-tier reality check for many investors. People often confuse 'quantity of tickers' with 'quality of diversification.' Holding VOO and VTI together is essentially just tilting your portfolio slightly toward Large Caps while paying for the illusion of a broader net. Real diversification is about zigging when the S&P 500 zags. Adding uncorrelated assets like VXUS for international exposure or AVUV for that small-cap value factor is where the actual risk management happens. Great breakdown of the correlation traps!

Cruian

>VOO and QQQ around 30% By count, over 80% of QQQ is inside VOO. Not quite (since it isn't 100%), but nearly the same situation as VTI & VOO.

AntiqueProfessor5134

It makes sense in some cases if you want to specifically overweight something…. Such as if you believe that US tech will continue to outperform, owning VTI+QQQ would make some sense. I do agree that the benefit is overweighting something and not diversification in most cases however. I’m not sure I understand what you mean by paying two expense ratios however. VOO+VTI for instance you’d pay the same expense ratio owning both or just one. So there also isn’t a lot of downside for going this route, the benefits are just unclear.

InvestingNerd2020

Get out of Primerica as soon as possible and count the $1200 USD loss to ignorance. Get with Fidelity if you don't travel or rarely travel outside of the USA. Assuming if this is for taxable brokerage account, look into ETFs. VTI is a great ETF for people with large sums of money. If you travel often, especially outside the USA 1+ time per year, go with Charles Schwab. You can invest with VTI or SCHB. They do the same thing. The only difference is trade volume, which benefits those with large sums of money. VTI is better if you will have large sums of money routinely. SCHB is basically the middle-class ETF version of VTI.

Space_Pilot1

I could see VTI and VXUS for someone willing to specifically derisk from US equities given the current political environment. Or just do VT long term and call it good enough since the overall returns are roughly similar. For Bonds I believe IUSB, BND, or AGG are pretty close too with about 17k basket holdings according to Fidelity Investments. Anything else is simply increased decreased diversification and increased risk at the benefit of potentially higher returns or greater losses

micha_allemagne

VTI already holds the QQQ stocks at meaningful names. Adding 10% QQQ on top means those mega caps become a larger part of your portfolio. Here’s a breakdown of your idea: https://insightfol.io/en/portfolios/report/20cfa93195/ . If you want that tech tilt, why QQQ specifically over a real sector ETF like VGT?

Infnits

That's a pretty presumptuous take. Plenty of people hold VOO and SCHD together and that's a 50% overlap, are they all newbies too? The whole point of the post wasn't VOO and VTI specifically, it was the broader pattern of people stacking overlapping ETFs and calling it diversification. If you think the conversation isn't worth having, scroll past. Calling it engagement bait because someone raised a question you don't like is lazy.

Infnits

Yeah agreed, VOO and VTI is the extreme case. The interesting question is where the line actually sits. VOO and SCHD overlap around 50%, VOO and QQQ around 30%, VOO and VXUS basically zero. My rough rule, above 40% overlap you're mostly buying the same bet twice, below 20% you're genuinely diversifying, and the middle is the gray zone where it depends what you're actually trying to do. Where do others draw the line?

cdude

The *vast* majority of people on investing subs will not recommend VOO and VTI together. Just because you found one or two newbies recommending it does not mean that's the common recommendation. This is just engagement bait for his stupid site.

AlfB63

Anyone that suggests VOO and VTI together shows their ignorance and does not understand the investments. 

RisingPenguin

Im thinking of selling PLTR. I have 100 shares. I got it roughly at $30 per share and it’s at about 143. I don’t plan on buying any more. It’s not like I’ll get rich off of it. I’m still new to investing. I’m considering using that money by putting into VTI. I could also do options on PLTR? Should I sell or keep it in Pltr and if I sell does it make sense to put that money into VTI. Would appreciate advice

upper-writer

I'm a big believe in VTI and chill, or simple index funds at low costs. I'm also invested in a number of K-1 partnerships (think PE and similar) and while it's all nice and fancy....VTI or S&P really is hard to beat. I plan on DCA into it for the foreseeable future until I can live off my portfolio. Stay liquid. Don't chase wealth. Don't try and get rich quick. Focus on career, earning money, then save a lot of it and invest most of it.

Animag771

Beta and correlations are two different metrics. Also metrics change based in the time period you're looking at. **1-Year Period** | Portfolio | Real Return | Beta (vs VTI) | Correlation (vs VTI) | |------------------|------------|---------------|----------------------| | VTI (benchmark) | 27.95% | 1.00 | 1.00 | | 60/40 | 17.24% | 0.637 | 0.984 | | VT | 28.52% | 0.953 | 0.963 | | Perennial | 26.29% | 0.689 | 0.840 | **10-Year Period** | Portfolio | Real Return | Beta (vs VTI) | Correlation (vs VTI) | |------------------|------------|---------------|----------------------| | VTI (benchmark) | 10.95% | 1.00 | 1.00 | | 60/40 | 6.09% | 0.605 | 0.979 | | VT | 8.76% | 0.918 | 0.976 | | Perennial | 7.60% | 0.641 | 0.952 | **25-Year Period** | Portfolio | Real Return | Beta (vs VTI) | Correlation (vs VTI) | |------------------|------------|---------------|----------------------| | VTI (benchmark) | 6.89% | 1.00 | 1.00 |

ateranol

I'm pretty sure the only subreddit where the the average person makes money is bogleheads. And that whole subreddit boomer autists indefinitely arguing wether to get VT or VTI+VXUS to save 0.00001% on TER.

ManhattanTime

It becomes a game rather than thinking about a secure future. It allows you to put money into extremely conservative accounts so that you have that future security you need but then the rest rides (for me) on VT, VTI and VXUS which isn't going to make stratospheric returns but slowly and solidly builds wealth. I have the Vanguard app and it has a nice little feature where you open it and from FaceID it just shows your total without going into the actual app. It takes two seconds to view it. I find myself looking at that a lot. The nasty day of the start of the Iran War or right thereafter I recall looking at it during a work meeting and I was down $650K. I just laughed. I had no idea what the news was because I was in a meeting but I knew something drastic had happened to the markets. Because I don't need it and am a Bogelhead I don't micromanage it. In fact I don't even manage it. Set it and forget it. Four weeks later it gained it all back and is another $100K or so above the previous high. So it's just a game - something fun to look at. I won't touch that money for a dozen years. But I do find that I don't want to spend money. At least on frivolous things. Material things. Porsche 911 GTS, Vacheron Constantin watch, second house out of state, blah blah blah. None have the appeal they did when I was younger. Basically we spend our money on very nice vacations and comfort on overseas flights and that's about it. No new kitchens, whole-house remodels, expensive jewelry. There's nobody to impress. Our neighbors have no idea we're "wealthy". They live way larger than we do but thankfully I don't have a Keeping Up with The Jones' wife. Makes for a nice life. TLDR: Life is great! Stay the course. Don't extravagantly spend. Keep building as long as you are enjoying the things you have. Comparison is the thief of joy.

merckx3697

Because VOO outperforms VTI.

sql1njection

ETFs. VTI for international markets stocks and VXUS for US market stocks

AnalyticalAlpaca

I don't get this sub's obsession with VOO over VTI.

ATPsynthase12

So I am currently getting into investing and learning the basics but would appreciate some input on my current portfolio distribution. The goal is long-term sustained growth over 30 years or so with a “buy and hold” mentality. I like the Bogleheads mentality, but got a 3 day ban from their sub for even mentioning investing in QQQ. Currently my distribution is based on a standard 3 fund portfolio with tilts in tech and real estate because I think those markets will continue to improve over the next 30 years. My distribution is: 40% VTI 20% VTXUS 20% BND 10% VNQ (REIT) 10% QQQ Any input or changes you’d recommend? I’m aware the REITs aren’t the most efficient in a taxable brokerage, but with my income tax bracket, it would be negligible bump. I like them as an inflation hedge and the extra investable income via dividends. If I were to cut something, I’d sell my. Shares here and move it to VTXUS for more foreign market involvement. I am also aware that tech and QQQ is volatile in the market, however, I do not think we are going to see tech become less of an integral part of our society or economy especially with the rise of AI. It seems silly to not tilt your portfolio to tech a little given that we are closer to colonizing the moon than going back to analog clocks and dialup i

agentictribune

VTI is US-only though. you might want to try VT with the same patience.

edWurz7

Sell all and get VTI or VT.

R101C

You think you know enough to beat the broader market and the full time professionals? Indexes like VTI exist for a reason.

mx5plus2cones

I use schwab because like fidelity if you have a linked checkibg account, its unlimited free ATMs worldwide. You pay for atm fees up front and they reimburse you back the fees at the end of the both. Super easy check scanning mobile app for mobile deposits and also has zelle so my tenants can pay me easily...and at least for where i live, there's more schwab branches than fidelity. What i dont like about Schwab is their cash sweep function sucks. Cash that you have left in your brokerage account automatically gets "sweeped up" and auto invested. The choices of how it gets invested is pretty lame. Basically very interest 1% or lower. It used to be you can specify their money market funf SWVXX as the default cash sweep, and that pays an almost 4% interest... But you cant anymore. Fidelity and Vanguard allows you to specify the default cash sweep to be their version of the money market fund... Unfortunately, I dont like fidelity (and finally got rid of them)...and vanguard is very very old and clunky... If i didnt have very old Voyager class index funds and didnt have my kods 529k college account in the Vanguard/Nevada plan , I would close that account in a heartbeat too. The remaining 38 accounts are all at Schwab. My parents gave me a small custodial account at Schwab a long time ago to learn how to invest when I was 15-16, so I grew up with Schwab. My kid has a custodal schwab account since they were 10. And now second year in college has a Roth IRA at schwab (I match the money my kid earns working at part time jobs that doesnt get spent with a dollar for dollar contribution to their Roth IRA up to the annual roth IRA contribution... It gets auto invested in VTI and VXUS.)

ATPsynthase12

So I am currently getting into investing and learning the basics but would appreciate some input on my current portfolio distribution. The goal is long-term sustained growth over 30 years or so with a “buy and hold” mentality. I like the Bogleheads mentality, but got a 3 day ban from their sub for even mentioning investing in QQQ. Currently my distribution is based on a standard 3 fund portfolio with tilts in tech and real estate because I think those markets will continue to improve over the next 30 years. My distribution is: 40% VTI 20% VTXUS 20% BND 10% VNQ (REIT) 10% QQQ Any input or changes you’d recommend? I’m aware the REITs aren’t the most efficient in a taxable brokerage, but with my income tax bracket, it would be negligible bump. I like them as an inflation hedge and the extra investable income via dividends. If I were to cut something, I’d sell my. Shares here and move it to VTXUS for more foreign market involvement. I am also aware that tech and QQQ is volatile in the market, however, I do not think we are going to see tech become less of an integral part of our society or economy especially with the rise of AI. It seems silly to not tilt your portfolio to tech a little given that we are closer to colonizing the moon than going back to analog clocks and dialup internet.

FairMongoose5583

when someone says “VOO and chill”, they mean to buy into the broad market and let it sit for a while. this of course is assuming they have decades to chill. also, VOO here is interchangeable with any broad market ETF. for some people it’s the S&P 500 (SPY, VOO, SPYM, IVV, SWPPX, among others). some people it’s the broad US market like VTI, some people it’s the broad world market like VT. the catchphrase is more investing advice than anything

Open2Lrn

$600 VTI and $400 VXUS tbh

Icy-Sheepherder-7595

ADBE and LULU im considering but my losses are kind of too much to stomach. If I do sell in just buying more Microsoft or VTI

FIREinParis

My ITOT/VTI is higher today than it was when the war started. While I have gold etfs as well, it’s not like the equity markets have collapsed. The total US stock market is up since the conflict commenced.

zangor

A few months back I moved one of my IRAs. When you move they give you cash and you rebuy. So I bought some VTI and SMH, both ETFs. VTI is +3.4% and SMH is +38.0%. Seems normal and healthy.

Iccrem

Genuine question but people say VTI/VOO for long term like Roth IRA, how about if I have a short term horizon for brokerage account? Do people still recommend the 70/30 split or is the split only for long term?

Dirkredblade

If I could go back in time and re-start with what I know now, I would just do my current allocation- 65% VTI, 25% VXUS, 5% gld, 5% Ibit. Sectors have too many ups and downs, and you have to time them right- QQQQ (simulated) was terrible from 2000-2015- earning 2% cagr. It took 2020-2025 to pump the numbers back up. If you want to try to outperform, I'd recommend the same allocation, but take 10% at most to actively pick stocks/sectors with. S&P 500 has cagr'd 9.4% and averaged 11% since 1871, that beats almost all funds/stocks over a 20 year period. Make this the majority of your funds, then add some VXUS for time periods when EX-USA beats USA equites like 1969-1989 and 2000-2010 (and 2025). As long as those are the bulk of your retirement, everything else is details, and the amount you contribute is the biggest factor.

IdioticPrototype

VTI 'til I die. 

iamdebbar

I like that! I need to come up with something for VTI since that's what I actually invest in :)

Beautiful_Club_6061

VTI is triple what it was in 2016 500k 401k is now 1.5 million, zero effort , did nothing special , changed jobs like 8 times during covid, all sales and retail Did nothing special and no I am at FIRE The last 6 years have been the best years to have been a worker since before 2008, numbers don’t lie bro

Icy-Sheepherder-7595

I would say I had or have long term conviction in all of them, except LULU I bought that at the recommendation of a friend who works in IB so thought he couldn't be wrong. I actually did see it go over $400 at one point but since then it just keeps going lower. NVO I still have conviction in, I've seen how well GLP-1 works and that obesity is one of the biggest health issues in the U.S. however I also know LLY has the home field advantage, but still believe the Ozempic brand name has value. MSFT and UNH pretty self explanatory, bought them low and will be forever holds (the shares of UNH I offloaded as I wanted to lower my risk and felt o may have bought them too high, $245 is a price I don't think we'll ever see again but who knows it got close a month ago). ADBE I liked as they keep growing revenue despite the SaaSpocalypse narrative and they are a strong legacy company I feel but again I can't predict the future of this stuff so who knows what AI will do to it. MELI I liked for the Mercado Pago system they have implemented in societies that are still cash reliant where many people don't have traditional bank accounts, and the fact that they are fending off Amazon's e-commerce growth in Latin America, I liked them as a hedge against the U.S. market but they seem more affected by it than I realized. META just makes a ton of money and I bought the dip, don't know if I want to hold them long term as it's really all ad revenue and they don't really provide anything of use to the world beside data centers now I guess. FXAIX and VTI are my index fund/ETF holdings. Hope that answers your question. Thanks for reading

Icy-Sheepherder-7595

I'm not. I panic sold a little bit of UNH last month to buy more Microsoft and missed out on the huge runup on those shares, bought some MU at the bottom a month ago and sold that too early, I made money but it could've been more if I were patient. Sold Google too early last year for a measly gain when I could doubled my investment. I just am at a point where it stresses me out so much that I really do think long term I should mainly do index funds and then hold some good ones and buy them when they crash hard like I just did with Microsoft but it's just too much for me mentally. I only started stock picking because I felt FOMO from missing out on buying the broader market 2-3 years ago when it was down and this is my way of catching up to where I should be but it never seems to work. I really hate that I bought NVO, LULU, and ADBE right now. I wish I just put that in VTI or VOO but can't change that now as I don't want to lock in the loss it just hurts to watch.

Icy-Sheepherder-7595

Need opinions on my portfolio and wether or not I should sell it all besides my top 3 holdings. Yesterday I was feeling confident again after watching the bloodbath that was last month but losing confidence again now that the fear is back. 99 MSFT shares at $395, 42 UNH shares at $245, 42 VTI shares at $328, 82 LULU shares at $194, 48 ADBE shares at $272, 13 META shares at $595, 204 NVO shares at $46, 2 MELI shares at $2,076, 7 FXAIX shares at $207. I hate the idea of locking in a loss but I also don't want to be part of a sinking ship.

MitchCurry

VOO is an ETF that tracks the S&P 500 index. VTI is an ETF that basically owns a sliver of every public US company (3,700+ I believe). To compare them to the metrics you provided (15% returns annually the past 3 years, 0.15% fee), VOO has returned 21.5% annually the past 3 years and has a fee of 0.03% and VTI has return 21.1% annually the past 3 years and has a fee of 0.03%.

Rhyd95

Im thinking long term so don't intend on selling anytime soon, just wanted to get the ball rolling. I keep my savings in a Monzo account and it showed that I can start a flexible S&S ISA via their app for a 0.15% fee. The previous returns were all upwards of 15% for the past 3 years, but I appreciate its post covid etc so will likely drop down. I'll be honest, I dont know what VOO or VTI is. Would it be better to invest in those instead? I just want something i can drop money into each month and forget about.

MitchCurry

It's never a bad time to begin your investing journey. Future you will be happy you did, [even if you buy in at the very top](https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/) (just don't panic sell and keep buying and holding). Genuine question though. Why not just go with VOO or VTI or something?

ATPsynthase12

They may not rise at all. The long-term outlook for Ubisoft as a company has not been good for probably a decade. What’s your plan if you invest $100 in Ubisoft and their new game flops (which based on their recent track record, very well may) and you lose a good chunk of your investment? Do you intend to stick with Ubisoft for several years or buy additional stock if the price tanks? Or are you going to panic sell because you planned for a short term return on investment? I’m assuming if you are basing your investment portfolio on video game news, you are probably in your late teens or early 20s. My advice would be to take $100 once per month and invested in ETF like VTI or VOO. If you invest $100 per month for 40 years, by the time you turned 60 your investment will have grown to over $1.2 million and yield around $15,000 in quarterly dividends. It’s fairly idiot proof, the only caveat would be in a recession where the market takes a big hit. That will slow your earnings in the short term, however, if you continue to invest aggressively during a price dip, you may come out better off at the end of the recession as long as you don’t panic and sell everything.

Icy-Sheepherder-7595

99 MSFT shares at $395, 42 UNH shares at $245, 42 VTI shares at $328, 82 LULU shares at $194, 48 ADBE shares at $272, 13 META shares at $595, 204 NVO shares at $46, 2 MELI shares at $2,076, 7 FXAIX shares at $207. I was feeling good yesterday and now back to feeling like it's over and I should sell everything but the first 3. But don't want to take a loss

nostratic

I'll answer in two parts, for the portfolio first and the other questions second. PORTFOLIO Those investments are all OK individually, but combined they're a little odd. VSEQX is a fund that emphasizes mid and small size US companies. It's very good for its type, but seems out of place as the largest position *and* combined with the other options. This would be considered a more aggressive fund, because smaller company stocks are usually more volatile than larger company stocks. VWNAX is the Vanguard Windsor Fund, which is a more conservative fund focused on larger US companies. VXUS is most of the global stock market outside the US. VUG is also larger US companies, but with a different strategy than VWNAX so possibly a good balance. VTI is most of the US stock market, so it overlaps with VSEQX. VWNAX, and VUG. You're holding basically the same stocks in 3 different containers. OTHER ISSUES I don't mean to be insulting but this is all highly vague and not realistic. It seems more like you're dissatisfied with life or bored, rather than having any real goals or ambitions. some time with a therapist or counselor might be a good thing, or with a priest if you're religious. to me, this is more a meaning-of-life question and less a financial question. the amounts of money and investments you describe are probably not adequate to finance your expenses if you wanted to avoid work, especially in a VHCOL area. especially in the EU, where taxes are much higher on investments outside a tax-sheltered retirement plan. buying a home in a VHCOL area may not be realistic on a current combined income of about $160k. that's higher income for some cities, but in most of LA proper it's barely enough to survive. you could liquidate all the investments and cash, and still have a large mortgage on a tiny condo or house in the LA area. This plan might be effective if you could relocate to a smaller, rural area in the US. buy a small house for maybe $300,000, and invest the rest of the assets for income but keep your spending low. there are towns of small but not tiny size (say 20,000 to 50,000 people) where there are enough amenities and infrastructure to have access to stores, medical care, reasonable social services like libraries and police departments, etc. but that would be a very drastic lifestyle change, and your jobs may or may not be portable. >willing to fuck off to Europe with dual citizenship opportunity from what I see on reddit, Europeans are highly pessimistic about Europe. https://www.reddit.com/r/eupersonalfinance/comments/1rmdjke/since_when_was_getting_rich_so_hard_in_eu/ and it's objectively easier to start a small business in the USA than in the EU, if the hospitality/travel business is successful. that's why Europeans with any ambition or entrepreneurial sense are more likely to immigrate to the US.

kinnadian

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

austinvvs

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

Totti302

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

H0stusM0stus

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

Djent_Reznor1

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

cupa001

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

cheddarben

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

InvestingNerd2020

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

howtoretireby40

VTI babyyyy\~