VTI
Vanguard Total Stock Market Index Fund ETF Shares
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23 F advice on my long term portfolio: VTI/QQQM/Costco
Is it ok to never have bonds if you start investing early?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
What to do with $300,000 just sitting in my checking account?
Thoughts on 31yo investment portfolio - big pay raise next year and questions
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
I'm creating a portfolio for my brother, any thoughts?
Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
3rd year of maxing out my roth ira. How do my allocations look
Limited International Fund Options in Employer’s 401K Plan?
Choosing spouses growth stocks for taxable account
Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Thinking about a higher growth portfolio for the new year.
30 year old. What's got the greatest possible potential for returns? TQQQ?
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"
With IRAs about to reset for 2014 what are you all planning to buy?
Portfollio allocation after move from edward jones
Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?
Investing brokerage accounts for my kids and nieces - best course of action?
Investing advice for moving around 100k into ETFs
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
Mentions
Nothing will fully save you that’s the point of diversifying so you mitigate the loss. Purchase funds that are small and mid cap only. They’re out there that’s how you mitigate the losses when the market starts to broaden out. On the other hand you stay in VTI and don’t pay attention to the market and keep investing, assuming your not close to retiring which I’m guessing
I guess i just think that won't fully save you. Because the market won't necessarily differentiate when it hits. And funds like VTI hold all stocks. So a sell off will hurt it all. But maybe sanity will appear during panic, I'm not betting on it.
The top 10 recently made up nearly 40% of the S&P 500, somewhere in the mid 30% for funds like VTI. The tech sector has dominated all indices that are not specifically excluding them due to size or industry or other reason. The tech crash will damage it all.
VTI is all US stocks but its market cap weighted just like S&P500. Since BigTech dominate by market caps, VTI is not substantially different from VOO.
>Weakening domestic production and manufacturing, and Poor infrastructure, transportation, and education compared to many developed countries are not insignificant. US manufacturing has not weakened significantly. What the US manufactures has changed. Poor infrastructure and transportation isn't a new thing and arguably hasn't hurt corporate profits for the last 20 years. Education in the US is a tale of two cities. The average high school graduate is less skilled than in the past but more people go on to higher education. The US also imports foreign talent. People have talked about skilled worker shortages for a decade now and meanwhile profits are just fine. Lastly I would US large cap companies are essentially all multinationals. For example 66% of google's workforce (to include contractors and temporary workers) is OUTSIDE the US. Roughly 40% of its revenue comes from outside the US. The idea that US companies are limited or even predominantly US based is antiquated. Now for smaller companies this isn't as true but with index funds being mostly market cap weighted even a total US market fund (VTI) the top 100 companies make up almost 70%.
About 90% of my portfolio is in the S&P but want to diversify internationally. >Looking at VTI and VXUS but don’t know which. VTI is not international at all, it is 100% US. >VXUS is appealing because I have so much in the S&P It would be a logical addition. >but I’m not sure based off of people saying internationally there is not as much growth after 2025 compared to the US. Returns can come from surprising places and lots of people are often wrong with their predictions, both random Redditors and "professionals." Keeping that in mind, see that there's a school of thought that should still have better returns expected outside the US. Ex-US out performance predicted over the next decade or so. **Even if they’re wrong, you should at least understand where they’re coming from**: * https://advisors.vanguard.com/insights/article/areinternationalequitiespoisedtotakecenterstage or the archived link if that doesn't work: https://web.archive.org/web/20210104201135/https://advisors.vanguard.com/insights/article/areinternationalequitiespoisedtotakecenterstage * https://www.morningstar.com/portfolios/experts-forecast-stock-bond-returns-2025-edition * The last decade+ of US out performance was mostly just the US getting more expensive, not US companies being much better than foreign companies: https://www.aqr.com/Insights/Perspectives/The-Long-Run-Is-Lying-to-You (click through to the full version)
5-10 years? VOO/VTI easily Go look at the top holdings of VXUS. After the first few, the rest are just... not very compelling. Two pharma companies, a food and beverage company, and a bank in the top 10. Go look at the top holdings of VOO and you'll find the largest global companies who are on the forefront of tech innovation.
If you're *truly* thinking fundamentally, it's VOO/VTI, as much as reddit will tell you otherwise.
I have no idea which is why I own both VTI and VXUS. Owning VTI last ten years (until last year) worked out better. VXUS worked out better last year. If you own both (or VT) you likely are fine either way unless the entire global economy fails so add some bonds/gold.
Over the past decade (ending late 2025/early 2026), U.S. stocks significantly outperformed international stocks, driven by tech giants and a strong dollar, with U.S. markets (e.g., VTI) returning \~14.4% annually versus \~8.5% for international (e.g., VXUS). International stocks usually 1 or 2 years of outperformance, then back to historical normal. Commodities usually flat, move high and crash fast.
My strategy is: Step 1: Own an index fund like VTI. Step 2: Own a single share of Costco. Step 3: Costco outperforms the market, so technically I beat the market.
Big ETF’s are down 1.5%+ which is a lot for something like SCHG, VTI etc
Personally I VTI and VXUS and chill with 95% of my funds. The rest I actively invest and beat the market some years and lose others. The 5% provides me the entertainment not to do stupid stuff with the bulk of my portfolio.
This guy gets it. I VTI and VXUS and chill. Just so I can skew a little more international to hedge USD currency risk.
When will this fucking thing end? Revenue down 3% YoY Vehicles delivered down 9% YoY EPS down 47% YoY Shares outstanding up 1% YoY Stock price up 10% YoY Constant over promise and under deliver. Constant pivoting into new ideas, most of which go absolutely nowhere. But at the same time, the valuation has done nothing in 5 years. In that time, stock is only up 54%. Meanwhile VTI is up 75%, VOO is up 88%, and QQQ is up 101%. Basically everything TSLA could ever achieve is already priced in. I think the only direction this thing can go is sideways or down. Peak market irrationality
To answer your questions more directly, I had taken 2025 off from work, so I wanted to take advantage of realizing some gains. I've also always kept a huge (\~15%) "dry powder" reserve, and I was tired of losing it to inflation, so I wanted to deploy it this year. So between realizing gains and deploying dry powder, I had a huge pile of cash. I've always been a basic 80/20 VTI/VXUS investor. But since I had so much free time I had done a lot of research into investing that year and discovered factor investing. I thought it looked interesting and figured I'd give it a shot. I'd also seen gold and international crush it in 2025, and I do feel that the current administration is absolutely fucking us and we are set for a reversal of US outperformance for the foreseeable future. I also have major currency concerns. So I realized most of the gains from my S&P funds and reallocated into International, SCV, momentum, and gold. (Equal parts SCHF, SCHE, IDMO, SPMO, AVUV, AVDV, GLD). My domestic momentum has been a bad pick so far, but I'm feeling pretty smug about the rest. I don't usually make good decisions. So to your questions: 1. Yes, I aligned with my goals of switching to a more factor based portfolio. 2. I did adjust my strategy based on my research into factors, as well as my belief that it's the end of the US's outperformance, and more importantly I think there is going to be a real dollar crisis. Or I could just be performance chasing, who knows. 3. Goals were fairly realistic, nothing crazy. As far as my current focus, I'm trying to invest in myself more this year. Been to the gym every day so far this year!
Can’t wait to read this same thread tomorrow It’s as bad as VT OR VTI??? in r/investing or r/etfs
Buy broad based index funds that track the market- like VTI or SPY. Buy regularly whether it’s up or down. Once you’ve saved up a bit, start looking in to individual stocks you know and like. Fidelity is good.
I don’t, I just VTI/VXUS and chill
I don't know what I'm doing anymore. I just keep tossing money in the VTI pile while the grifts and memestocks bounce up and down.
At your age just keep putting money into the stock market. Primarily: VOO, VTI, or equivalents. The market will crash, maybe more than once, but at 22 those crashes are when you buy even more. Ride it out. And honestly man, don’t check the stock market everyday if it’s something that makes you want to sell. Set up an auto transfer feature and set aside money to buy every paycheck. I wish I took it seriously when I was 22, like you are.
Recommendations please for quality aggressive growth ETFs for our Roth accounts which will not be touched for at least 20 years. I’m behind on my investment journey for retirement. Due to financial ignorance and lack of access to a 401k most of my working life most of our savings had been on HYSA and CDs until recently. I’ve been educating myself for the last couple of years and have opened Roth IRA accounts for both me and my spouse and have maxed them out each year. During this time I finally had access to a 401k which also has a Roth option and have been trying to max that too. I have also opened a Fidelity brokerage account and have been DCAing the majority of our savings into VTI/VXUS leaving about 15% for the emergency fund (6 mo of expenses) and bonds (mostly treasury bills and intermediate bonds). The 401k has horrible options so I choose a TDF with a year that’s actually 10 years after I plan to retire so it can stay a little more aggressive in there for now. I’ve been doing FSKAX/FTIHX in the Roth IRAs but I just funded both accounts with the max for this year and now I’m thinking of putting that money in a higher risk/higher reward ETF since we don’t plan to touch these accounts until way into retirement. Right now the amount in the Roth accounts is about 5% of the whole portafolio so I think I can be a little more risky with it. Any recommendations? Or any critique on my reasoning? Thank you for your time.
Don't go full VXUS, just pick VT or VTI/VXUS split. Despite what you hear on reddit doomers, Having US investments is still important.
I just looked and it's at $46 now. I will never in my life again buy an individual stock. VOO and VTI for life!
I did the same, had everything in VTI in 2024, went all in on VT for 2025, which was just pure luck, as you mentioned that did better than VTI. This year I am all in with Vxus.
It's not worth wasting any brain cells on. Choose VOO or VTI for the long term.
I'll preface this with saying penny stocks are time consuming. One of my friends makes about the same income as me for the past 10 years. All he's done is DCA through VOO And VTI. He's ahead financially in his investments. And he's spent WAY LESS TIME than I have. But, I enjoy learning about companies and picking some stocks as well as investing into ETF's like ones that track the S&P500. If you decide to buy penny stocks, I'd recommend only buying companies you understand and see the potential in. This way, you can gain personal value learning about companies, industries, financials, etc. And if you lose some $ on a bet, you still personally retain value from the experience. I've lost my shirt on a ton of penny stocks, but overall my penny stock portfolio has outperformed the S&P500 over a 5 year period. (At one point in that same 5 year period, it was down like 75% as these things can be super volatile.) I'll give you some examples. I used to work in marketing and one of my clients had a blood plasma business. I found this penny stock back in the day called ADMA. They're involved in the blood plasma industry... read about them, liked their business and decided to invest/gamble in shares. Now it's up 500%+. I sold off enough ADMA to break even + profit some, then left the rest of the shares to ride. About a year and a half ago, I was looking for an alternative to NVIDIA. I missed so many NVIDIA buying opportunities and still felt it was overvalued - turns out I was wrong again. Any way, I started learning more about quantum computing. There were some stocks priced in the $40 range like IONQ... so I found a quantum computing ETF that included other holdings, which, at the time were Rigetti and D Wave. Those were close to a buck, so I bought a handful. Then they skyrocketed 1,000%+. All that being said, what I've found on penny stock forums in Reddit is some of the DD's are basically sales pitches for a path towards a titanic iceberg. If you read those, just do your own DD and make sure you truly think it's a good buy. There's some good DD penny stock posts as well. I've found several good penny stocks by reading the DD's + doing my own research. Have fun!
$300 to $13,600 is a massive win you could put $12K into index funds (VOO, VTI, whatever) and keep $1,600 in a separate account for "play money" if you ever get the itch. that way youre not risking your main stack but you still have an outlet. some people need that. if you ever come back to options, look into selling options instead of buying them. completely different game. when you buy options youre betting on big moves happening fast - time works against you. when you sell options youre collecting premium and time works for you. the win rate is way higher (70-80% vs maybe 30-40% for buyers) but the gains are smaller and slower. boring but consistent. might scratch the trading itch without the stress.
I think you have to decide if your time horizon is short term or long term. If three years or less, than you don’t have the luxury of taking much risk in the market. Park it in a money market fund. If long term, then a market index fund is probably your best bet. If it’s both short and long term, put however much you’ll need for the short term in a separate portfolio. If you’re new to investing, I would recommend just buying diversified ETFs and funds like SPY or VTI. After some experience, if you really want to try picking by stocks, a quantitatively based service like Zacks or AlphaPicks can be a successful way to get started, but you have to have a system and be very disciplined. Stock picking without discipline and method is basically gambling.
The Americans who actually go abroad are so loaded don't even waste the time to look up exchange rates. You'll keep seeing them because either they're trust fund rats or spiritual boomers who threw everything into VTI and gold
You played with fire, had fun doing it, but now it's time to put down the fire. You're only 32 and only been fucking around for 5 years. You can rebuild by just throwing your future investments into VTI and riding into the sunset. But while you're still here, recommend me a penny stock to throw my sons college fund into
Every now and then, try and post to someone, maybe in their teens, and remind them to take 1000 dollars and toss it into VTI or VXUS and ignore it. At least they will have something, and it’s a cushion if life throws them a curve ball. It seems like the pitcher is always winding up. I’m trying so hard to make a better world and not pull up the fucking ladder behind me, because the god damn boomers sure as shit tried to do it to me. I thank you for posting the reality of your world.
I sold all my VTI for VXUS last January (guess why). VXUS outperformed VTI by 13%. Coincidentally that is the same drop in DXY over the same period.
I'm trying to start putting money into my roth ira but don't know what stock to start with first. I have a list that could work like VOO, SCHD, VT, VTI, and VXUS, but don't know what to choose. I was also thinking adding in a monthly dividend stock in it down the road but what do you guys think ?
> The value of giants like Google, Microsoft and Apple are international. > > I transitioned from being fully invested in VTI in 2024 to VT in 2025, and now I'm fully into VXUS. It's all about finding the best ETF among Vanguard funds. To simplify, I moved from an all-US allocation to a mix of US and global, and now to a completely global portfolio.
VTI = **V**anguard **T**otal Market **I**ndex VEA = **V**anguard **EA**FE Index
seems unnecessarily complex for 20% growth which can be had in standard buy and hold VTI in good years. plus the main risk is sector concentration, IWB, VOO, MGK, and SMH are all majorly tech dominant with NVDA as the highest holding. You're buying NVDA on top of that and NVDA contracts. This means you're overly exposed to a tech pullback which in combination with your trailing stops means that if there's a modest tech pullback (not out of the question at this point IMO) you would be selling low and lock in your losses which might have otherwise recovered. I don't have time to go into my whole portfolio logic right now, but based on the political landscape at the moment, why not diversify rather than double/triple down on tech? regardless of your personal politics we all know trump wants to cut interest rates and print his way out of the national debt in 2026. The dollar has already lost 11% of it's value in the past year. I'm not saying to sell everything for gold, but just to diversify to capture the free upside of assets not based in USD just in case. Personally, I'm 50:50 USD and international/PM and it's done extremely well for me. I feel like you're investing for the current market rather than investing for the future.
Retirees and savers are not going to be wiped out if they invest in a Boglehead way. VTI plus VXUS plus BND work in a weak or strong dollar environment. Wage earners are gonna have to buy American and they’ll be fine. Foreign imports are going to be too expensive with a weaker dollar and tariffs. This is all by design.
Given that you are the breadwinner and that you have a steady income, I am targeting my advice to you and not your parents. First, money market funds and bonds are nearly identical since most money market funds invest in bonds then take a cut. Bonds will keep your income generally just above inflation with fluctuations. Given current trajectories, bonds will deliver relatively small returns over the next year or two. In your shoes, I would dump all the money into a diversified index fund. $ACWI seems to be slightly better positioned than $IVV in our current geopolitical environment, but the two mostly overlap each other. If you do not like iShares, most other ETF and mutual fund purveyors have analog funds with equally small fees ($SPY, $VTI, etc.). If you do not want to own, I agree that real estate and the associated mortgage would not be a good idea. Real estate is illiquid, comes with huge fees, and tends to disappoint on returns.
When I first started I checked daily because it was fun. Even when it was red I didn’t worry because etfs are long term investments. But I’ve since stopped checking it very often. Just buy more VTI each week (when I remember to) and see what my gain is just because and go on about my day. You’re doing ETFs so look as much as you want. Just don’t get scared if it’s red. If it’s really red and you still have decades to go you should actually buy more right then if possible.
I used to check it around the first week of January as part of my rebalancing effort, but now I have the rebalancing automated once a quarter. That’s for my tax advantaged accounts. For my taxable brokerage, I check it quarterly because I don’t ever sell anything. I just shift my percentage of VTI and VXUS that I’m buying to keep me close to 70/30 overall. My 401(k) and HSA are in a TDF so I don’t check anything. As far as like just peaking at the S&P 500 or world markets? I never purposefully check, but I’ll hear updates on NPR or see updates in the WSJ or whatever. I probably accidentally hear how the market is broadly doing nearly every day - but I never open the stock app or go look it up just to check, if that’s why you’re asking.
Yes yes I know the hot funds for you guys are now VTI and VT, which actually boast worse returns than VOO, because of course they do. You guys are gonna start just buying fixed income at some point because you like the predetermined coupon payments
That’s why I choose VT over VTI
Have you tried "not gambling?" If no, then just buy VTI +VXUS and never buy anything else and stop looking at your accounts
That’s about as good of a long term strategy as it gets. Alternatively you could just buy VT or approximate it with closer to 62% VTI and 38% VXUS.
I took that personally? Brother, look at your crashout right now. “I have 15m in VTI” 😂. We know, you’ve only had to say it 3 times you insecure loser lmao
I didn't say you were defending trump, but you sure took that personally. Like I said, I have $15M in VTI and this has been a bad year by all measures when considered in context. I am very concerned about what the next three years will hold and I'm considering shifting from 100% S&P500 to a US/International split. Prior to Trump, International stocks have trailed the S&P500. That seems to have changed drastically due to the uneducated folks in charge of policy in the current administration.
I have $15M in VTI and have many data points on how shitty of a job Trump is going with the economy. These weird poor folks love to defend trump for some reason.
Is your money in a place where you can access it during a civil war, or the lead up to one? If no, assume you don't have money. A U.S. civil war is a global market destruction event. The capital loss will be meaningful percentages of the global wealth. There's no real point in planning for this case. Your concerns will be physical, not financial. Food, water, ammunition. If you want to plan for a civil war, start becoming a prepper. Otherwise, VTI and chill.
Why not VTI? It's has all the companies VOO has, less volatility(cant forget forty7 is manipulating the marer like its his 1st job), & better coverage of the entire market.
Don’t be scared of college. Take notes, take notes, and take notes. And never procrastinate when it comes to school. 99% of professors want you to learn and pass and will go out of their way to help you. As for investing, I recommended putting a good chunk of your available funds into an etf like VOO or VTI until you can learn to invest in great companies at a fair price.
Are you investing in yourself first (basically get a skill that will earn you more in the future. Like an electrician or doctor, or plumber, etc). Also wipe out any credit card debt because that stuff is a net negative cuase the interest rate is so high. But yeah, like everyone has said.. VOO, VTI, VT all are good places to start. Compound interest is crazy. By the time you're old, if you keep investing, you'll be wealthy.
Until you learn more IMO the smartest move is ETFs like VOO, VOOG, VTI, QQQM and hold.
>That is not a pyramid scheme because the investors are not benefiting from other investors, Not true at all. ETFs like VTI - Vanguard US Total Market hold a portion of Tesla. Vanguard itself holds 7.8% of Tesla. The top shareholders are from ETFs from companies like Vanguard, Blackrock, SPDR. >Elon can sell his shares whenever he wants, as long as he discloses it He doesn't even have to sell them. He has used his shares as collateral to buy other companies.
XLK isn't adding diversity its concentrating your position into tech, what is ok if that's what you want to do But holding VTI and XLK will make you less diversified than simply holding VTI.
Lol...you think the money to pay Elon Musk just magically appears. You are saying ETFs that track US Total Market like VTI - Vanguard US Total Market don't pay for this. Vanguard currently own around 7.8% of Tesla.
Pyramid and MLM schemes are illegal for a reason. Also, when a stock goes public it gets added to indexes like Dow Jones U.S. Total Stock Market Index. ETFs like VTI - Vanguard US Total Market will have a portion of this stock in it's holdings.
You have more fund choices in a taxable though and potentially cheaper expense ratios than in an employer 401k. Fidelity has funds with a zero expense ratio that are comparable to VTI and VXUS plus no administration fees that are found in a 401k. But regardless of these fees, I would assume that the tax savings of a 401k may beat a taxable account. I just wish you could pick stocks in a 401k
Currently Active Duty Army, just looking for help with my portfolio diversification and if changing anything is worth it. Currently, I have about 23k into my TSP at 100% C fund. I’m really asking about help with my Roth IRA. I have maxed it every year for, what will now be, the 3rd year. Currently, I have 100% VTI in it, but some people say it’s worth it to diversify, so just wanted to get some input about that. I was thinking about potentially doing 60% VTI, 30% XLK, and 10% VXUS, but wanted to get some input and others thoughts on it. Just trying to maximize my returns and set myself up for the future. 20 year old for reference. Any advice would be appreciated!
VTI has the same pros as VOO I assume, RE the taxable brokerage
5-7 years is a middle-of-the-road timeline. Growth helps, but timing risk is real. The main issue is concentration. Individual stocks can swing hard, and that’s rough when the money has a deadline. Shifting part of it into broad funds like VTI or VOO, then keeping around 40-50% in a HYSA, gives you growth without putting the whole down payment at risk. Markets can easily be down when you’re ready to buy, and with a house, that timing matters. HYSAs help offset that, and rates change often, which is why we track and compare them on our website. Don’t put everything in one place when the goal and timeline are clear.
Lots of people on this sub say VOO and chill, but volatility is tough to stomach for most new investors. I'd recommend a more balanced portfolio that has gains similar to the S&P 500 but only 1/3 the drawdown depth: * 40% VTI - total US market * 30% DBMF - managed futures fund * 20% GLDM - gold * 10% BND - total US bond market [Backtest](https://testfol.io/?s=c8YmC0gehiy) since 2000 is on par with S&P 500 returns. Underperforms since 2012 of course, but not that much considering. Rebalance via contributions. 97% chance of being up 3 years out (compared to 79% for S&P 500). Basically, this portfolio is a safer way to preserve capital while growing it in any economic environment: high/low inflation and high/low growth. Each asset performs well in some of those environments. Together, they zig when others zag, leading to a strong return while limiting volatility.
Thanks for your outlook, I appreciate it! I allocate $450 AUD / week to diversified ETFs (although rather aggressive). I put 40% into VGT (US index), 40% VTI (US growth tech) and 20% VXUS (international). I’m not sure how great I feel about my allocations but they’re present! Furthermore I allocate $250 AUD / week into my swing trading account. Here I chase (supposed to be in bull markets lol) short-term, highly volatile / high ADR%, momentum or breakout swing trades. So far I have seen awesome returns! I like to believe my risk management here is stable.
Thanks for your outlook, I appreciate it! I allocate $450 AUD / week to diversified ETFs (although rather aggressive). I put 40% into VGT (US index), 40% VTI (US growth tech) and 20% VXUS (international). I’m not sure how great I feel about my allocations but they’re present! Furthermore I allocate $250 AUD / week into my swing trading account. Here I chase (supposed to be in bull markets lol) short-term, highly volatile / high ADR%, momentum or breakout swing trades. So far I have seen awesome returns! I like to believe my risk management here is stable.
when I was going through this exercise i stumbled on this article from Larry Swedroe. SCV hasn't really pulled it weight either the 15 years that followed. I was lucky and began tilting SCV in 2019 and have nothing in SCG outside of whats in VTI. [https://www.cbsnews.com/news/the-black-hole-of-investing/](https://www.cbsnews.com/news/the-black-hole-of-investing/)
The thing is, these trends come and go, if you listen to people like Paul Merriman, for whom smoke up value is basically a religion, you will expect that they shit out perform in the long run. But clearly that’s not the case unless you’re looking at exactly the right period of time. I do like to understand relative strength, on every chart I look at I’ve got a indicator showing me what this chart/ETF has done against VTI over the past year, so I can understand if the trend is positive or negative and might continue to be even better or even worse. I personally do a lot of swing trading in my site account, so I might take a trade for a couple months if the trend seemed to be good, for example IWC: SPY or IWM: SPY. But if the trend went against me, I would try to get out, in that particular type of investing situation.
You won’t catch me arguing that Trump isn’t the most selfish and evil president of my time. Or maybe ever. But I disagree that the financial fallout for US markets will exceed 2008. And I have placed my money where my mouth is in that regard. 35% VXUS, 65% VTI. Hedged with rental real estate and some govt treasuries. You are of course welcome to do as you see fit with your own investments. I would not recommend going 100% into Congolese stocks.
There's a strong argument for AVUV but you need to be prepared to hold it for 30 years. Historically small cap value has had higher returns than the overall market over most long periods of time but it does it by underperforming for 10+ year periods and then having a really good year. We're currently in a 20 year period of small cap value recieving lower returns than the S&P 500. Market mechanics dictate that it should eventually reverse the trend and get higher returns, but if you had just held it for 10 years and then sold you would have locked in massive underperformance. You need to think really hard about AVUV and read the literature and really understand why you're doing it, and the fact that you're asking this question shows thet you don't fully understand it currently. There's nothing wrong with getting 10% or so small blend for diversification, because if you buy VOO you are excluding small caps, so you're just adding them back in. VTI is basically VOO + 13% mid caps + 7% small caps.
VTI, VXUS, VT. Sorry, if you don’t know the basics by now, I wouldn't trust your “technical analysis” skills for day trading. First, learn the basic concepts of investing versus gambling. Extra points if you can learn which category day trading falls into.
Doesn’t beat VOO or VTI over time.
The thing is with cyber security companies, one breach and they take forever to recover. The MER is 0.6% which might be higher than broad market etfs like VOO and VTI, but it's right on par with thematic ETFs. Youre paying for insurance, at least that's the way I look at it. Also these cyber security companies work on several layers within the tech stack. You're capturing everything in one etf as opposed to single companies. I do believe HACK will do really well in the long term. Cyber is only getting more and more relevant with the amount of data being consumed.
I like that idea because it keeps investing simple. VTI gives broad exposure, and patience protects you from emotional mistakes. It may sound boring, but boring is often what actually works long term.
I'm not trying to pick stocks to beat the sp500, I'm trying to find out if the stocks my plan limits me to are worse/better performers than VOO/VTI. My plan limits me to a limited number of stocks. Utilizing brokerage link I can invest instead in VOO (for example) instead of what my plan limits me to. My plan doesn't allow me to invest in VOO. I can invest in VOO if I decide to utilize brokerage link and jump thru a few steps.
ignoring the retirement question, how can I tell if the stocks my plan limits me to are better than VOO/VTI, etc? With the stocks I can choose from, I can see their Average annual total return and Cumulative Total Returns. Do I then google VTI and see what the Average annual total return and Cumulative Total Return is for the last 5 years and compare? I'm trying to figure out if the stocks my plan limits me to are better/worse performers than the options for brokerage link. Brokerage link allows me to almost invest in any stock I want.
What I've learned from this sub: any subtle dip is a massive event that requires selling your entire portfolio because "it's different this time". Or you could consider an annual, monthly, quarterly, etc. Investment into to VOO, VTI, or a combo of VTI/VXUS for 30+ years amd retire worh more money.
I’d highly suggest using that money you’d invest into VTI/VOO to acquire precious metals. Just to give you a why, I bought gold in January 2025 for around $2650/ozt. Today, a year later, gold is at $4950/ozt, or a 87% increase. You’ll never find returns like that anywhere else. Silver was ~$29/ozt in January 2025, and today is hovering 30¢ shy of $100/ozt.
Good lord. Where to start.... If you are a newb, why are you putting on what appears to be almost 50 positions across the board? I am guessing it is actually more than 50 since it looks like some of these may be just shares. Do you even understand how much risk you have on? We don't since you never say whether these are long or short contracts or offer any quantities. I am also guessing that you don't understand the high yield etfs you are trading either. You realize that dividends are pretty much priced in on any option contracts? Advice - Just buy VTI.
I buy total market index funds and go on about my business. If you look at something like VTI & VXUS, performance is about the same or better than what you achieved.
In order to balance out my gambling addiction, I’m also doing a boring boomer strat: every Monday, I buy 2 VOO and 5 VTI. Been doing that for 4 months, and that part of my port is outperforming my options plays. There is probably a lesson to be learned here, but I don’t care.
>But some of these ETFs claim to have "the top 100 global companies", but then something like Exxon Mobil will be in the top 10, when it's really more like #20, well, those numbers float around a bit over time. so the percentages and ranking today could be very different from next year, or from 4 years in the past. even for the same index ETF. check out the top S&P 500 stocks from the year 2000, for example. https://www.finhacker.cz/en/top-20-sp-500-companies-by-market-cap/#2000 and it depends on how the stocks are ranked. for example, the top 5 stocks US stocks in VTI are ranked by 'market capitalization' and as of today are: - Nvidia - Apple - Microsoft - Amazon - Google/Alphabet But RWL from Invesco ranks larger company US stocks by their revenue, or gross income. And the top 5 are very different: - WalMart - Amazon - United Health - CVS Health - McKesson Corp if you ranked stocks by other metrics, such as total dollar amount of dividends paid out to shareholders, the list would also be very different.
So glad I traded my BRKB for VTI back when reddit was sure the stock market was going to implode.
The most boring advice is to just DCA (Dollar Cost Average),i.e. buy a fixed amount every week/bi-weekly/monthly regardless of where the market is going. That way you don't miss any dips and you avoid buying everything at the top. I have run simulations of DCA from 1990 though now for different 10 year periods using VOO, VUG, VTI, QQQ, etc and it is proven to work so far for any 10 year period. Past performance doesn't guarantee future returns but I think for a retail investor without too much capital, no inside knowledge, and no advanced trading algorithms and tools, this is the best strategy.
>If you don't like it's you don't need to invest into it. Nobody force you to buy TSLA. When TSLA is part of every major index people are forced to own it. QQQ - TSLA 3.97% SPY - TSLA 2.16% VTI - TSLA 1.94%
To be fair, since the trough on Apr 8 2025: VTI: +40% IAU: +64% GDX: +154%
I don't understand the question. Are you asking if you already own VTI or VOO do you need to rebalance with just VT?
Do you have to go back in & change up with VTI or VOO? I didn’t think so
VOO is fully included inside VTI, I'd drop VOO. On including QQQ(M): Remember this has heavy overlap (over 80% by count) with the S&P 500 (possibly even more with VTI). Look only at the inclusion criteria, not past returns (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. Then you say you don't want to be over dependent on tech: VTI and VOO from memory are around 30% tech, QQQ(M) around 50%, and that's not including the companies you may consider tech but the market classifies elsewhere (Alphabet/Google, Meta/Facebook, Amazon, Tesla as 4 huge examples). VTI + VXUS alone give you essentially total world coverage. Common current recommendations I've seen tend to be 30-40% of stock be international, so you're a bit light on the VXUS.
You said you don’t want to focus on tech but the top 7 companies of VTI/voo is….all tech and they make up ~30% of the fund. Then you want to add qqq which is…mostly tech
I was debating dropping VOO for 70% VTI. I dont see why id completely dump VXUS. And QQQ is mostly just for the high potential growth without volatility
Makes no sense. Do you know how much VTI and voo overlap? And you’re adding in qqq? >not overdepedent on tech What? Shows you have no idea what you’re doing and just naming tickers you see here
Probs the same thing as what caused me to liquidate my VTI and TLD positions
Why S&P over VTI? Why own 500 stocks when you could own 3000?
Passive index fund investing. At a risk level you’re comfortable with. VT to VTI to VOO to QQQ to SMH. But from each paycheck and hold for long periods, decades even.
Sold off my entire VTI position, 25% of my QQQ position. Rotated into Canadian, European, and Japanese tickers. Listed ex-US to also remove any USD exposure on those positions
Read “The Simple Path to Wealth” by JL Collins. It will change your relationship with money. It’s basically a how to guide to the /r/FIRE movement (financial independence, retire early). At 38, you have time to recover. Just keep saving and investing 15% (ideally 20%) of your income and invest in broad market index funds or ETFs. You can do the VOO or VTI and chill or if you want international exposure you can add VXUS or go completely VT and have both US and international in one ETF. A 15% rate of saving over 25 years should get you to 10x your gross income if we assume an inflation adjusted 7% ROI—this assumes 10% average growth less 3% inflation. With 10x your income saved plus social security and hopefully no debt and a paid or mostly paid off house, you’ll have a very nice retirement. If you’re a high income earner, you can accelerate this process or have a fatter retirement. What I like with index investing is you buy when the market is up or the market is down. You just keep buying and holding and ignore the noise and keep investing because it will take 20+ years before you’ve accumulated enough. Don’t get tempted to try to play catch-up. Bogleheads style index investing works as I and many others are proof of it. It’s not sexy and will get boring, but then you can use your energy towards creative endeavors versus chasing the thrill on individual stock investing.