VTI
Vanguard Total Stock Market Index Fund ETF Shares
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40% of Stocks Experience Catastrophic Losses, and the Best Performers Suffer -69% Drawdowns on Average
19-year-old college student looking to invest for the long term. What would you buy in 2026?
39M tech PM. My RSUs quietly became 55% of net worth and I didn't notice till last week
I invested $6000 for the first time in February and I'm down 22%
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
Sold $HOOD, took profits, and re-entered. Do you believe in Robinhood long term?
60 VTI/ 30 VXUS/10 VMFXX. Should I (33) rebalance to include bonds?
Too much of my portfolio is from RSUs - how would you diversify?
I spent 6 years trying to beat the market. Mostly I just learned how hard that is.
Critique the direction of my 14yo son’s Roth IRA we started this year
How does this mixture look for my 14yo son’s Roth IRA?
New to investing, not sure if im doin it right
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
What about VYM? That seems pretty immune to the shenanigans of the tech bros. You can't fake dividends.
Paying 1.86% at Ameriprise and thinking about simplifying. Is that fee still reasonable?
What $10k invested in 8 major indices would be worth today *PART 2*
What $10k invested in 8 major indices in 2011 would be worth today
Bullish thesis for SPCX into the summer
Bullish SPCX Mechanical and Macro Thesis in the next month
Donor Advised Fund (DAF) asset allocation, crypto?
Aggressive Roth IRA at 18 – What Would You Change?
Spacex, OpenAI, and Anthropic IPOs are investment opportunities and don’t let anyone tell you otherwise
used to dread rebalancing day, now it runs overnight
PSA: Don't be a bag holder for SpaceX and AI companies
Investing Opinions for Recent Grad with little student debt
Built my first Roth IRA portfolio in my 20's - here's my 6 ETF allocation and the reasoning behind each pick
place for stock picks that are not used for calls or puts? Higher risk growth picks?
Funds like VT that don't have the typical index problems
Choosing VTI over VOO has cost me about $44,000.00 over the past 6 years
Small business owner here, looking for investing advice from people further ahead than me
27M, with a little over 100K on bank MMA Account, what next?
feels crazy to buy stocks that are over 4x higher than when i first invested, not sure what to do
Is there a downside of using CSPs to acquire ETFs I want to hold long term?
Roth or Brokerage for individual holdings - what is best?
If someone is worth one million dollars, how much $VOO and $VTI should they own? What if they're worth *two* million; how much then?
Is holding energy ETFs or individual stocks worth it?
Edward Jones advisor wants me to invest with him instead of on my own.
You can do it! You can always recover! VTI & chill + buying dips
VTI averaging 20% per year; am I looking at this correctly?
Any recommendations or input on my portfolio structure?
Help me re-balance my portfolio: 31F, single, hoping to buy a home in VHCOL area in near future but also work as little as possible?
85/15 VTI & VXUS in brokerage, 85/15 FZROX & FZILX in roth ira
The mental relief of finally admitting I suck at stock picking
Rate my 100k by graduation plan at plan 18 years old
Made a stupid mistake with the market and not sure what to do now
Mentions
Another bloodbath tomorrow. Iran shot ballistic missiles at us so Taco is going to start something and create volatility on top of all the other stuff. Good time to buy but afraid the bottom is much lower. The scary thing is that SPY/VTI/VOO haven't even crashed yet, only Ai/Tech/Semis/Memory so far. If the indexes go, then it's going to be hell.
I'll never be wealthy by your standards, but I will be financially independent before normal retirement age. I will also likely never buy an individual stock. Over the past 5 years, my Vanguard accounts have made 15.2% annually (initial investment has doubled), through low cost ETFs. For me that's VTI, VEA, VGT and VUG
That’s why you buy VTI, VXUS and chill. Also some gold and greens for a rainy day.
We’ll need a bit more context in order to give you anything useful. What’s in your portfolio? When did you start investing and how often do you add to it? What was the peak? What market are you referring to? You don’t have to answer any of those, but overall the markets are quite strong right now. The U.S. market (VTI) is up 9.15% YTD and the rest of the world (VXUS) is up 9.13%. Certain *sectors* are taking a beating: the U.S. semiconductor sector (SOXX) is down nearly 20% over the last month, although is still up 57.5% YTD.
Risk vs Reward. Single stocks can be great but a reminder that there's no crying in the casino. ETFs like VOO, VTI or even VT should be your foundation (say 50-90% of your portfolio, depending on your situation)
I put 17% into my 401k + 3% employer match I have weekly auto deposits of about $135 that go into my Roth IRA on Robinhood. Whatever the math is to hit the max by Feb. There I have 2 tiers of holdings. Tier 1 is my backbone, and I have about 12.5% of my portfolio each in 4 stocks. I have another 10 or so making up the remainder. Those are between 4.5 and 7% depending in performance. I balance things out from time to time and it's usually the smaller positions I'll trade with. I have a taxable account as well that gets $65 weekly, also on RH. This just holds VTI and QQQ Lastly I have a RH checking/savings account and 1k from each monthly paycheck goes there into HYSA to give me liquidity in case of emergency. Once that hits 50k that 1k will instead go to my taxable brokerage Edit: I guess I'm a RH stan. It's also one of my smaller IRA holdings
> you need to pick individual stocks and that ETFs won’t get you there lol, this is also a way to become “seriously poor” and put yourself on the meme sub. You have a business, focus on that and upskilling yourself. You shouldn’t be thinking about your investments. Put your excess cash into the best tax-advantaged vehicles you have available to you and just throw it into VT or VTI (if you don’t want international exposure for some reason).
Completely wrong lol. VTI and most broad based total market ETFs have been crushing it the past 3 years. 22% CAGR for VTI beginning of 2023-end of 2025
VTI has averaged 6.33% the past 3 years while the market was largely ripping... If people are that spooked they might as well just out their money in bonds and call it a day.
It is, though I hate that the underlying index changed its rules just to let SpaceX in. I am long VTI/VXUS for myself (I like the foreign tax credit), and hold a long position in VT for my child.
In this market, nearly everything that passes a basic fundamentals screen has already been taken to wild valuations. You'll end up buying nothing or buying high and selling low. Set your screens to growth and profitability, then sort by % off 52 week or all-time high. There are good companies in extreme drawdowns right now. You have to either buy fear or hype, otherwise you might as well full-port VTI and forget about it.
Until you *know* you know better, just chunk it all into a broad-market ETF (VOO, IVV, VTI, etc.) set it up to reinvest dividends and forget about it for a while.
Wow, you really track your Reddit threads! I eliminated all my positions with these numbers (entered positions in February 2025): |**Symbol**|**Shares**|**Price**|**Proceeds**|**Gain**| |:-|:-|:-|:-|:-| |VGT|13,360|$112.43|$1,502,065|\+$428,622| |NVDA|2,318|$196.51|$455,510|\+$155,148| |PLTR|211|$131.53|$27,753|\+$10,923| |AAPL|71|$336.91|$23,921|\+$6,979| |MSFT|38|$389.10|$14,786|–$1,101| ||||**$2,024,034**|**+$600,571**| The plan is currently to buy VTI + VXUS + AVUV once the dust settles.
I can’t tell if you’re serious or not, but in the case you are: Calls are bets that the stock will increase, where puts are bets that the stock will fall. Google will serve you well to learn more, but I’ll say this: don’t do 0DTE (options that expire within the day). Just put it in the VTI, SVGO, S&P500 or some other ETF for now. Don’t trade uncovered options (when you don’t actually own the stock) unless you’re willing to lose it all.
Don't and put it in VTI and don't waste your money
You ever wake up in the morning, look in the mirror and say to yourself, “Why didn’t I just VTI and chill?”
VOO vs VFI vs VTI?
Ah yes that definitely works. **Leading Companies by Market Capitalization (2006)** **ExxonMobil**: Ranked as the most valuable company in the world driven by surging oil prices. **General Electric**: A massive industrial and financial powerhouse. **Citigroup**: A leading global banking giant prior to the 2008 financial crisis. **Microsoft**: The lone dominant technology firm near the very top of the market. **Bank of America**: A primary pillar of the American banking sector. **Total S.A.**: The major French multinational energy corporation. **Royal Dutch Shell**: The Anglo-Dutch oil and gas major. **BP**: The British multinational oil and gas company. **Pfizer**: The leading global pharmaceutical corporation. **Wal-Mart Stores**: The world’s largest retail enterprise at the time. An investment of $1,000,000 in Vanguard Total Stock Market ETF (VTI) in January 2006 would have grown to approximately **$5,700,000 to $5,900,000** by mid-2026. In stark contrast, splitting that same $1,000,000 equally ($100,000 each) across the top ten U.S. giants of 2006 and freezing it would have grown to roughly **$3,200,000 to $3,500,000**. \[[1](https://www.reddit.com/r/stocks/comments/g7lm86/big_3_investing_has_beaten_the_sp_500_the_past_25/), [2](https://totalrealreturns.com/n/VTI)\]
Just be patient. I would not buy gold today but I have bought gold many times and I just hold. I've also bought VOO/VTI/VGT and many other ETFS which I would not buy today. But I am patient. I buy when I buy and I hold. The most important thing is to not pay attention, it will mess with your mind and you'll make bad decisions. Be confident in your purchases and just hold. If you need the money immediately you should not be investing it.
i would assume gold takes a few years to recover in price. At least a year or two.. if you can stomach that then you’ll probably recover your losses down the line. If you can’t stomach that then I’d probably put it in VOO or VTI etf and forget about it for a while.
You don't have to check the market, you just set it and forget it. Even if you can't do that, there's no reason a trustee couldn't put it in VTI/VXUS, and a trustee waiting a few months to hold the cash doesn't make sense either.
I'd first think about what kind of risk you want. VGT isn't just more risk, it's a bigger bet on tech and many of the same mega cap names already in VOO/VTI. In other words, the risk is more concentrated in one sector. Before making a switch like this, I recommend checking the ETF holdings and sector breakdown. I do that on moomoo since it helps me see whether I'm changing my exposure or just doubling down on the same names.
>The lesson I learned from all this is that it’s ok to build wealth slow Doesn’t seem like you learned your lesson if you’re not cutting your losses to invest what you have left in VTI/VXUS. Your reason for holding it is a sunk-cost fallacy; you’re making the choice to keep gambling to get your money back by not selling now.
If anyone could accurately predict what stocks would have a substantial return on investment in a week, they wouldn't be giving it out on Reddit for free. You gambled on Bitcoin based on "hope". If you'd put that same money into VTI/VOO/equivalent, you'd have a healthy return on investment now. But that takes time, not a week.
Listen.... take that shit in VTI/VOO (or your lower risk ETF of choice) and chill.... i didnt read the posts but im sure others said the same.... the chances of you not losing it all is slim to none.. dont be an idiot. I know the feeling you have now.... you are gonna think your gonna make it to 5m or 10m gambiling like this... ive been there and lost it, regret it every fucking day.... EVERY FUCKING DAY!!!
Based on your post history my recommendation is to get off the phone, go outside and buy VTI from now on
>a 60% VTI, 20% VEU, and 20% QQQM portfolio. that's actually 80% VTI and 20% VEU. QQQM is just a sub-set of VTI. VTI is practically the entire US market, and QQQm is the top 100 non-financial stocks that list on the Nasdaq exchange. holding both VTI and QQQ means you're doubling up on some of the largest US companies. doubling up increases your risk because VTI and QQQM are likely to crash at the same time for the same reasons. it's not outrageously terrible, but be aware of the risk potential. > I am looking for high growth with as little risk as possible pick one or the other. the higher the growth potential, the higher the possible risk. >1) in a taxable UTMA account, would it be better to just consolidate the QQQM future purchases to VTI? probably. I would recommend something more like VT which covers the entire global stock market. or perhaps AOA which has about 50% US stocks, 30% international stocks and 20% bonds. the bonds will tend to act as a "shock absorber" in the event of a crash and minimize losses. >if the VTI is likely to perform better, VTI has performed better than VEA over the *past* 10-15 years, but that doesn't necessarily say anything about the *next* 10-15 years. at current valuations, it would not be a surprise if VEA performed better than VTI over the next 10-15 years.
Put it all in VT or VTI and VXUS and assess later. Don't continue being an idiot.
Cash?? Great way to guarantee you lose money. VTI/VXUS.
You won big, Congratulations. It is a mathematical certainty that you will lose it all if you keep making those kinds of bets. Pay your taxes, pay your debt, park it in SGOV for a year. Then gradually put it in SPY/RSP/VTI/BRK.B and leave it there for a few decades.
Well, now you know better. as others said. liquidate your positions, get out of your stupid 2 stock positions, pay your bad debts, and put everything into SPY/VOO/VTI/VT. earn 8% annually on that million and reinvest it back. I wouldnt quit your job just yet but you can certainly work less hard now, as long as you quit your gambling addiction
You own all the stock inside voo . I also never got the logic to switch later? Return is return. To be clear I am not advocating growth I just do broad index funds like voo or VTI or VT that contains everything, growth and value.
60% VTI, 20% VEU, and 20% QQQM is fine. So is 100% VTI. So is 100% VOO. So is 50% VOO and 50% QQQM. I don't know why Google would say anything about QQQM specifically with respect to taxable accounts. It's going to be more volatile than the others because it's more concentrated, so I guess Google considers that more risky, but it has nothing to do with txable/non-taxable.
Definitely. I made a life changing amount of money not even close to the amount OP made. I put like $200k in shares of mostly S&P, VTI, SOXX, MSFT. It almost hit $600k this year and I started my account in 2021. With this amount he will make a shit load if he just invests and chills on it. Maybe leave yourself a small gambling fund for fun still.
No worries. Taxable account like a regular brokerage, not a retirement account. So first, VT is thought to be better than VTI+VXUS because it auto-balances the US (VTI) and Non-US (VXUS) proportion. So more efficient/easier for the investor. BUT: VXUS and VT both have dividends. The foreign parts of these (all of VXUS and 65ish of VT) are taxed by other governments. The IRS gives you a tax credit to make up for this in VXUS, but not VT. So in a taxable account, it's better to have VXUS (+VTI) instead of just VT. In a retirement account (including an IRA), the IRS doesn't care what happens inside and doesn't tax those distributions so there's no credit to give. BUT you already paid taxes to those foreign governments (before you even got the dividend). So you might as well use the simplier single fund: VT.
Over the last 2 years VT and VTI are the same
"*Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO.*"
No. You are confusing safer with better. They are different. And while diversification is considered a good thing, over diversification is real and there is diminishing returns after a certain point. Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO. At the same time - the S&P 500 has performed significantly better than Total World over the last 30 years. And sure that could change any day, however it's quite ignorant to assume more diversification is always better when VOO is already diversified and also statistically much better.
Dollar cost averaging into VTI is fine. I also like VOO and QQQ. The key is to invest on a schedule instead of lump sums once a year to limit the impact of market volatility.
I’m looking to pick all of your brains a bit and let Reddit do what it does best to give me a lot of ideas/perspectives with the upvotes showing me the preferred routes or at least where to start looking more. \-I have no investing background \-I’ve had three calls with front-level investing reps, but they can’t make recommendations, so they’ve only given me minimal general information \-I’m SPECIFICALLY looking for information to guide UTMA accounts I have 6 UTMA brokerage accounts that I’ve JUST started (all of the accounts should be under my control for about 15-21 years depending on the child. I plan to put in $850 total per month split in the accounts. I am looking for high growth with as little risk as possible (well more so keeping it responsible risk), but if the accounts went to zero it would not be the end of the world. I chose the UTMA accounts rather than a 529 because each of the kids gets 8 years of tuition waived. I’m open to the 529 if it’s significantly better, even with my kids having the 8 years covered, and doesn’t require a ton of hoops to convert to Roths. Ideally I want to accounts to benefit my children long before their retirement age. I also want the accounts to stay in the children’s names for protection against any divorce potentials.. although I don’t foresee that being an issue. I am still trying to rapidly piece together the best plan, but I have currently invested the first month’s money in a 60% VTI, 20% VEU, and 20% QQQM portfolio. I have since done a little more looking and Google ai seems to think QQQM is more risky for taxable accounts, but I’m not sure why or how yet. So my main questions are: 1 in a taxable UTMA account, would it be better to just consolidate the QQQM future purchases to VTI? 2 is VEU even worth holding on top of VTI if the account is not detrimental to retiring? Or in other words, if the VTI is likely to perform better, is it worth just focusing more/all into that and cut out the extra diversification that may not return as well? I don’t mean to offend anyone by the choices I’ve made so far… I am not hard pressed on these choices, so if I’m completely wrong… I’m highly teachable. I’m primarily looking to do the same investment each month for 20 years without having to watch and understand markets. I don’t need to make millions, but the more.. the better (within reasonable risks). Thanks a ton! My kids will appreciate it!
VT is the equivalent of holding 60% VTI and 40% VXUS. If you have any international and small caps in your portfolio you probably aren't that much different than VT.
Yeah, doesn't matter much. They are both market-cap weighted so you're just getting a teeny tiny diversification of smaller companies with VTI compared to VOO.
I own and sell puts all the time to pick up some more due to the volatility. Growing internationally and they have no competition at all. I only 8 stocks - most of my portfolio is VTI - and this is one of the 8.
I used to be in the same boat as you, constantly scared to put money in the market because of the “what-ifs”. Every month I’d look at my savings funds and research stocks for hours looking for the next “big hit.” I’d open my brokerage account to buy, get scared, and instantly put it all in my HYSA instead. The way I got over this was forcing myself to invest. I’m not sure how much money you’re ready to invest, but for me $50 a week felt like enough to get my feet wet comfortably. I set it up to instantly withdraw every Monday to my broker, and each Monday I put $50 in either VTI, VWO, or VEA (75% of the time it goes to VTI, the other 25% it goes VWO/ VEA.) I went from being scared to invest to having $400 in my broker in less than two months, because once I started the recurring purchases, suddenly it was no longer scary to put an extra $50+ in one of those funds every now and then. Tl;dr - set up recurring deposits and pick a basic broad market fund to invest in and forget about it. Once you get your money in the market, you’ll feel more comfortable putting more in. Best of luck to you!
Check out the sub called Personal Finance. They will tell you the steps are basically: staring with HYSA -- High Yield Savings for the close-to-you-liquid-assets. And then pick your favourite broker and purchase some VOO, VT, VTI which are vanguard index funds. Stuff your money and your grandfathers money in there and then let it mature.
Yeah. With the recent news I’m glad I went 60% VTI and 30% VOO
If you look at $VTI, ($SPY), $VXUS, $VT, and the $QQQ charts, the Nasdaq is the only index close to falling below prior support levels. If I was a bigger gambler I would buy $QQQ, but I'd rather take my shot buying $SOXX at $498 if it retest support. I did buy $VXUS yesterday at near the same price as it is now so I guess I did take 1 shot at a bounce into close today.
And yet $VTI, $VT, and $VXUS are all down less than a quarter percent today. Cash holders are still winning. /sarc
So I've been putting small amounts into fractional shares for a few months, mostly just buying whatever looked good that week, and I finally sat down and looked at what I actually own. It's a mess. (side note: I am using Robinhood) **Current holdings:** |Ticker|Shares|Price|Value|%| |:-|:-|:-|:-|:-| |SMH|0.127803|$578.79|$73.97|31.1%| |QQQ|0.0992|$691.67|$68.61|28.9%| |VTI|0.081257|$365.11|$29.67|12.5%| |SCHD|0.762104|$32.83|$25.02|10.5%| |SPY|0.026723|$738.97|$19.75|8.3%| |VOO|0.021806|$679.23|$14.81|6.2%| |NVDA|0.02824|$207.18|$5.85|2.5%| |**Total**|||**$237.68**|**100%**| I'm fine taking on a moderate amount, I'm not trying to be super conservative at my age. But I also don't want the whole account riding on semiconductors. I'd like most of it to be something boring and steady with a smaller portion that has more upside. What do I keep? What do I drop? What should I buy? Any input is appreciated. I plan on putting in $50 a month, and $1000 next month.
I use VT for the built-in international allocation some people like VTI/VXUS so they can control the specific spread for international
Buying VOO or VTI would be your best move unless you learn a whole lot and even then it is still likely the best choice. QQQ is a tech ETF. VOO is the 500 biggest companies in the US, which right now are dominated by growth in tech. I would put most in VOO and dabble in sector etfs like QQQ or individual stocks with a fraction of your investment if you wish.
Ignore the news are comments. Focus on your goals. For a retirment fund a growth index funds is good like VT, VTI , VOO, or QQM are good. For a taxable brokerage you can also use growth index funds, Or you can in a good dividend fund Like EMO 8% yield, UTF 7% UTG 6.4% or government bond Any one of the funds above safe good choices to get you started And just buy it and gradually add more money. The key is to just get started with something safe and simple. Don't follow any advice on reddit, Just see it as a place to learn by seeing what other people are doing and what funds they are doing. And then do your own research by reading the fund prospectus and other documents. Most funds have websites were that information is posted.
What risk level are you? Put most of the money in a low risk like VOO or VTI. Me, I’m low risk, so I’d do 80% Then buy individual stocks with the rest till you realize there’s no way to win at that and put that into BND. Haha.
VTI = up, my holdings = DOWN
How many years? Anything more than 5 to 10 is VTI or VT area. Now this doesn’t mean you can’t invest in riskier things like AI, etc. You can just allocate a smaller percentage as playground, etc.
Because OP is already overthinking every decision. VOO and VTI are almost the same fund with slight performance differences. VT adds international, so it’s also a good choice.
For the average person, this is spot on. I would like to add: 1) when investing into the roth, for the love of god don't let the money sit in the money market account. That's why OP said put it in VT. Money market account is pretty fancy way for saying HYSA, so make sure to move it to an index fund (VTI/VT/VOO/etc). 2) if you're young enough, check what your 401k money is going to. Usually they set it up automatically to deposit into a lifecycle fund depending on when your projected retirement date is. I would look into the breakdown of that lifecycle fund and maybe consider switching to a stock fund that tracks the S+P. At a young age, you don't really need the diversification (bonds) yet.
Coworker texted me Saturday saying he wanted help today rebalancing (placing the limit orders). Motherfucker has both VTI and VOO and wants to sell one and move more allocation into riskier growth stuff, probably VUG or something. I asked him about it today and he has no clue what is going on in the markets. He isn't timing anything, just looking at his own long term plans. I asked him if he still wanted to do that rebalancing and he said "Nah I'm more focused on fixing that scratch on my car rim today. Maybe tomorrow." I fucking envy this man.
Just buy VTI or VOO, or VT if you want some international. Buy what you can afford to whenever you can afford to. Always buy and never sell. Keep it a simple passive activity.
A hedge should ideally be made up of section 1256 contracts like SPX index options or options on /ES futures. That way, if they do pay off, they are taxed 60% at the long-term rate regardless of holding period. Best practice would be to hold VOO (or in my case I prefer SPHQ) as a core position and then do your hedging around that. In a 50% selloff scenario you're proposing, you'd then monetize the hedge for a gain, and simultaneously tax-loss-harvest any VOO shares that are in loss position—swapping those shares for something like VTI which follows a different-enough index that avoids a wash sale. Same thing with writing calls. The good thing about writing SPY calls against my highly-appreciated shares of SPHQ is that there's no danger of me vacationing in Tahiti and getting news that my SPHQ shares were called away for a huge taxable gain. Instead, the worse that can happen is I get home to a portfolio that is simultaneously short SPY and long SPHQ. Good luck!
Yeah open a brokerage account with whatever brokerage you feel comfortable with. Do research on what to invest in. AI is a useful tool, not full proof but useful. Others will debate me I’m sure, but ETF’s like VOO, VTI are a good place to start. Some say to grab some bonds BND or something similar, and an international ETF like VXUS. Lower %’s. As I said. Do some research and don’t blindly throw your money into things.
VTI. Been holding and adding steadily since ‘97. I know it’s crazy having my eggs in one basket like this, but…
You basically have a saving account for an emergency fund. Most people have them but the interest you get is basically just keeping up with inflation. So you are not really making progress . I would open a taxable account and move 50% of the money in the taxable account. Invest in QQQI 13% yield and turn off dividend reinvestment. Dividends are regular cash profit charing payment to you. Dividends will show up as cash in a money market fund which will also earn interest like your bank saving account. The move the remains 50K from your bank to the brokerage account and leave it as cash This would give you 50K for emergencies. And if you use some this emergency cash QQQI will slowly refill it. without you using any of your work income. Most of the time you probably won't need the cash. and the cas plus dividend will continue to build. Then open a Roth IRA and star making $540 money deposits in the Roth account. In the Roth account invest the money in VTI and VXUS. Keep and equal ammount of money in VTI and VXUS. Your 100k that was doing nothing is now funding your retirment account and and you hav emergency cash you can use. And if needed you can stop the investments into the roth to rebuild the emergency savings if use some of the money. Then you could setup monthly automatic transfer from the bank to taxable brokerage account. The ammount every month can be whatever you can afford. Then in the brokerage account setup an automatic purchase of QQQI stock This will increase the dividned generated per month. And if you want you you could add VTI to your taxable acount or other dividned funds like EMO 8% yield, UTF 7%, UTG 6.4% to your taxable account. And ther is noting wrong with putting a dividend fund into the Roth. I highly recoment you setup monthly withdraws from the band and automatic montly depots into the Roth. Montly automatic purchases of VTI and VXUS stock. This way you don't have to do anything other than occasionally checking your account to see if everything working smoothly.
I use one for my pension fund for my business. They manage around 10 million. It is dispersed into a suite of private investments and well a mix of public funds as well. The goal is to make a steady return, but never lose my ass because it could trigger the business to owe money in the pension fund. So, in short I use them for a steady return with great downside risk, something that VOO or a VTI cannot guarantee. In 2022 I was down next to nothing in my pension while my personal portfolio was -30%. That could be catastrophic in a pension fund. I would never have them manage my personal portfolio, too illiquid.
QQQ has the highest growth potential, but is the most volatile along with QQQM. I would stick with VTI rather than VTO if you’re going to put a small percentage in QQQ/QQQM because VOO has more overlap compared to VTI as it covers most of the market. You’re extremely young, which means you are in the best position to invest for the long run.
Because it provides no guidance or concrete gameplan, continually dilutes shareholders, and has no real moat/niche. Since 2021 it diluted shareholders close to 70%. If you bought post squeeze in GME you’re almost guaranteed to be in the red. While VTI has increased over 65% in that timeframe. Since their ebay “acquisition” announcement, the stock decreased by 8-10%. So yeah it’s a meme stock.
Bro. Wisely would be throwing that into a comprehensive ETF like VTI or VOO even. This is wisely regarded. Stop before you become addicted and numb to the losses like I am. At some point, they become numbers on a screen.
I agree as long as I stick to BTD's in $VTI, $VT, and $VXUS. I'm already extremely heavy ex US $VXUS and $EWJ b/c I like the AI & Robotics growth potential in Pacific Asia vs USA. I bought heavy & tried to catch the bottom in $SOXX and $DRAM this month and lost 20%. I decided to move that cash into $TSM, $SKHY, $EWJ, and $VT. Semis can rally now that I am lowering my risk. The market is acting like a casino right now w/ all the leveraged ETF's & leverage stock options avail rn.
Why does everyone think dividend ETFs are some investing cheat code? You sacrifice growth in your growth years for dividends you don’t need. Further, putting it in a whole market index fund like VOO or VTI will net you more ROI and you can pull out more at 4% per year than the dividends and Jeep having your wealth grow faster than you deplete it.
Fuck QQQ/VTI/Russell ETFs for letting such a piece of shit like SPCX in so early
> But with the tech concentration on SP500, buying half a dozen to a dozen single stocks from different sectors gets you probably a higher diversification than SP500. If you're worried about cap-weighted stocks, there are "equal weight" versions of the S&P500, but then you're basically somewhat betting against the market in general. RSP is an equal weighted S&P500, but the cost goes up from 0.03% to 0.20%. Additionally at least with Cap-Weighted stocks, when people pull out of one industry and pile into the other you re-capture some of that. The math doesn't exactly work out with equal-weighted ETFs, but I guess that's not what you're suggesting. I don't really buy SP500 anyway, I prefer stuff like VT/VTI, although I've been buying a lot more VXUS than VTI over the last few years.
I like it tbh. At 29, the risk reward on that is solid for the next 6-12 months. Imo, Worst case you “lose” 5-10% (which I don’t believe will happen). Best case, that grows 25-100% probably. Otherwise, VOO/VTI/SPYM/etf x and chill…
It's a great and very responsible portfolio, but probably too conservative for your age. As others have said, I would drop the bonds, and I would probably rebalance VTI to 80% and VXUS to 20%
Good question, hard to tell because of dividends. If I look at how VTI performed, it went up about 50% in that time, and I did slightly better than that overall with XOM because of continually buying when it was down.
> Maybe diversification gets mocked during bull markets, but it's usually appreciated when leadership starts to change. I mean you can say the same thing for VTI vs VT. US market has been on a rip for like 10+ years, and people only look about 5 years back when making "historical decisions". During the 2008 housing crisis, everyone and their mother was a real estate broker because everyone was buying.
Hey I started with a portfolio very similar to yours but then I realized that at a young age (20s-30s), it does not make sense to hold Bonds and the international stuff really isnt helping much either. So I took my portfolio that looked like yours and condensed it down into this: Brokerage: ITOT/VTI: 80% CASH: 15% (park it in a high yield thing like money market or USFR ETF) Play money: 5% for taking riskier bets for fun Roth IRA: FZROX - 80% FZILX - 20% Once you get into your late 40s/50s, then you can start thinking about Bonds again. But at your age, I would skip it entirely. A lot of people would say just get rid of the international stuff entirely. I did in my Brokerage account, but I felt safer keeping some FZILX in my Roth just in case there are a few years where international beats US. At least I will have some exposure. It's not like it will be a huge switch, I cant imagine international will completely destroy US, but if it slightly outperforms a few years then it will feel good having that little bit of FZILX. And if it never outperforms US, at least I only have 20%.
Move that money out of a regular savings account and into a high-yield savings account or a money market fund where you'll instantly make 4% to 5% with zero risk. You don't need to overcomplicate the rest, just put what you don't need for the next 5 years into a broad index fund like VTI and let it compound. Do you have a separate emergency fund set aside already?
depends what you want. i’ve always been a VTI guy
I wouldn't go with BND at your age; you have plenty of time to ride out the ups and downs of growth equities. VXUS and FZILX underperform VTI and FZROX in the long run. The reason for this is the US has the largest economy and attracts the most capital investment (which helps to perpetuate the cycle). Also most of the leading US companies operate on a global scale, so it's not as though you only invested in one domestic economy. Over the course of the long run, the difference in CAGR will make a very meaningful difference in total return. My goal in investment is to grow my net worth as much as possible by making selections that have a proven track record; everything else (diversity) is secondary. You can compare VTI (US), VT (World including US) and VXUS (World minus US) - the more US weight the better the long term performance.
Sell BND and buy more VTI
Same pattern every time — headline drops, market panics, then recovers. If you've been DCA'ing into VTI/VXUS regularly, these blips are just buying opportunities at a discount. Time in the market > timing the market.
Just choose VOO or VTI it doesnt matter much
VTI is a fund that tracks all US public companies. It’s about as simple an investment as you can make - a bet on the US economy long term. It’s an investment so it can lose value but over any long term period (think 10+ years) it will make you money. You should look to only put money in here you don’t reasonably expect to need in the near term. Another option is VOO which is the S&P 500 fund. Not as broad as VTI but some people prefer concentration in the larger companies. The rest leave in a high yield savings account. Places like SoFi, American Express and many others offer rates over 3% for cash just sitting there. Good luck and nice job!
Grabbed some VTI like that will do anything I'm just coping now bro
VTI - broadest market ETF. Markets can go up or done. You want consistency over time and a long horizon
The appeal of Vanguard index funds are that they passively track the market (the index part) and charge a very low annual expense ratio since there isn't a lot of overhead when compared to an actively managed fund. A lot of other firms offer similar products at similar or lower expense ratios so Vanguard isn't the only game in town for passive investing nowadays. There have been Vanguard funds that lost money and some funds that have closed due to failure to attract investors or performance issues. Those were more on the active side of the house. To my knowledge no funds have gone to zero. In order for VTI or VOO to go to zero, there would need to be some global cataclysm to wipe out the US economy and all industrial output.
"into some Vanguard" is not an investment. Can you please be more specific? If you're talking about a broad based index fund, the chances of it going to zero are virtually nil. Something like VT, VTI, or VOO.
I would point you to ... - https://www.investor.gov/introduction-investing - https://www.investopedia.com/articles/basics/03/050203.asp I don't really like to tell people what to invest in, and would rather point them to learning resources, since everyone has to learn to take responsibility for their own investments. But if I *had* to, I'd say start with either VOO, or VTI, or VT, and as you learn more about investing start to diversify more when you have a reason to do so.
I see, so what would you recommend to someone starting off? I see there’s no point in investing in VTI and VOO at the same time Since they pretty much have the same %. If VTI and VXUS Is a good Combo what’s a good combo with VOO?
VXUS would give you some diversification into international equities. It's an established practice by some investors to hold a mix of VTI and VXUS to have a total world equity investing strategy. It's long term returns are lower than VOO or QQQM, but you gain the extra diversification.
you need to become a boglehead. over a longer time horizon, it’s literally IMPOSSIBLE to lose money in the stock market with a low cost etf. VTI and chill bro…. do some back testing of just plowing money into VTI vs your stupid ass trades. you’d be up massively but you’re chasing quick gains and you’re getting hammered.
If you want to invest but you can’t just put your damn money in VTI, VXUS, BND, and BNDX and move on. You’ll make an average 5% growth. It won’t be as glorious as doing options on a stock that shoots to the moon (Nvidia) but you’ll still reap the rewards from Nvidia or a co growing to the moon.
I mean you have seen a lot of replies, but geez, VTI or even SCHD or FXAIX 90% of that and just play with the 10%. Oof.
Had a bunch of my companies private stock in my retirement get converted to cash and thrown in to an IRA a couple months back. Been sitting on that pile up until today. Finally opened my positions in to VTI, VXUS, VUG, ARKX and NASA. The last two are the 20% of my FAFO money my IRA.