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?
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
Mentions
Whenever you have spare change. But it’s best to create an emotional muscle memory kind of thing where you at least invest monthly systematically. Ex: every 15th of the month, I’ll contribute $X and invest that money in whatever. The arguable safest mode is to buy VOO or VTI over and over. I get paid a couple times of week. I don’t set up an automatic purchase every month, I just do it after each paycheck into stocks, ETF’s, or mutual funds I find interesting at the time. I max my 401k and IRA, and have a sufficiently padded joint acct, and a hint of investment experience so I like to have some fun with some of my money. With that said, the majority of my stocks are blue chips. I’m not playing options or buying meme or penny stocks.
I believe VTI is in a similar boat
Before you load up on taxable, look in the Bogleheads sub for the financial order of operations. Emergency fund, pay off high debt, company match for 401k, HSA, Roth IRA then taxable. (I feel like I forgot something). VTI/VXUS or VT are good ETFs to get going in all of the investment accounts I mentioned.
I think you're young enough not to worry about bonds yet. I'd do 80% VTI, 20% VXUS and call it a day.
25k-30k a year? Is that 401k/Roth included? That’s a lot to invest. I’d honestly just set it into a VOO/VTI and call it a day.
Hey guys. I'm very new to this subreddit, I just joined yesterday and I was reading through all of the posts/comments. And I have two questions actually. The first is, why are a lot of people recommending investing in VOO, QQQ, SCHD, and QQQM? | was wondering what interests a bunch of people on it. Secondly, I'm somewhat new to investing and have taken it seriously within this year. I just wanted advice on what to invest in and how to more diversify my portfolio. Backstory is that im 20M, sophomore in college, and my main goal is to save for 2-6 years or till I am able to afford a car. I do have a part time job and an internship. I do currently have stock in NVIDIA, Microsoft, SCMI, SCHD, VTI, and Apple. But none of these are actually 1 whole stock its like 0.178181 for SPY for example.
VTI Total US stock market ETF
I wouldn’t say better forecast, I am just following market more or less. Tesla is a good overall long term holding especially it being this low rn and I am not looking for crazy gains I am just trying to take advantage of it while I can. I don’t see a reason why not to continuously sell cover call options on a stock that will eventually go up. Making it good long term hold and short term gain. Since I am not doing anything more than weeklies so high chance of expiration and good price decay. Again most of my money is invested into QQQ and VTI so not trying to beat market but trying to make same gains as market. This is just a side play I think might be good for now.
If you wash sale across accounts, its still a wash sale, but the brokerage will not report it. You have to manually fix it. They won't even report it across different accounts at the same brokerage. So if you want to avoid a headache, don't trade the same stock in multiple accounts. And this technically applies to your retirement accounts as well. Will the IRS notice? Maybe, I bet a lot of people do it wrong. Now if you trade different stocks then you can realize a loss, and then buy another, it doesn't matter if its in the same account or not. You just have to make sure its slightly different. Like if you sell VTI, buy ITOT to avoid a wash sale.
I need to at least max out mine my wife’s Roth IRAs this year, and I was wanting to do more, but what are yall thinking going into this possible market correction? I’ve been DCAing $150/wk per account to get the max contributions for each account, just into mainly VOO, SCHD, VEA, VWO, VTI, BB, SFYX, MSOS, VT, O, and a Fidelity Go account. People are suggesting putting my investing into a money market account or my 4.6% savings until we get lower, but not sure if SGOV in the Roth would be a good option or stay on track DCAing into my usual funds and ride it down. Open to any advice.
That's plainly not true. Anyone who was fully invested in '99 and DCA'ing still faced a multi-year drawdown. This sub just has no sense of risk management. A 100% equity portfolio is not diversified, regardless of whether it's individual stocks or VTI/VOO
Yeah, I frequent bogleheads a bit, and I have read through his book, the red one, I forget the title. And sure, past performance isn't indicative of future returns but SPY is popular as hell and it's the top 500 of the S&P500 just like VOO is. I'm sure at the end of the day, both are great picks, but I've been sitting on VTI on and off for quite a few years and I'm just disappointed I guess in how little my account has grown. I've maxed my roth IRA for 2 years now and I only have like a grand in growth to show for it just parking it in VTI.
Yeah, I know. I used to be all in on VTI. But I've heard that VOO has performed slightly better over the last decade so I'm kind of moving more money into VOO. I wouldn't really say I've overlapped my portfolio, more of just investing in the same bucket of stocks with 2 different ETF's.
Like what? I have my Roth IRA account all in VTI and VOO, and it sucks seeing those red too. I restructured somewhat recently and since buying, I'm already in the red by several hundreds of dollars.
VTI also near Nov 2021 highs. Has been near flat for 2.5 years with this correction.
It might have had an annualized return over some recent period, but if anyone is acting like this is guaranteed that is a con. The one thing that is assured is that they would be getting paid about 1% by you and that the most likely thing to happen is that you might get around the overall stock market return (for example Vanguard Total Stock Market Index VTI) minus the 1% you pay them and any other expenses they take from you. Depending on their strategies they might also make you end up with a big tax bill. People can cherry pick and talk about funds that have done well in the past, but it is extremely diffiicult to pick what fund is going to do well in the future. If anything the recent winners often turn into losers since their prices have expanded more than they should.
Damn, VTI almost back to Nov 2021 highs 😅
My wife and I save and invest over 50% of our gross income. Most of our investments are into VTI in tax-advantaged accounts, but we also have had a smaller monthly allocation to Bitcoin. We plan on retiring in our 40s.
Put your money more in the broad index funds like VTI and shut up. Seriously, you are the reason people here mock stock picking. You have absolutely no idea what you are doing or how the market works, and you're trying to be clever and sophisticated. News flash: you're not. If you're thinking you're gonna panic sell after a few week downturn, then get out of stocks entirely and put your money in CDs.
What an odd portfolio. Sell the ARC and JEPI and put those funds in VTI
BRRR is a long game if you're not rich. That's the game. If you don't want to play..put it into VTI. Power thru, light at the end of the tunnel will be worth it.
I recommend buying VTI and forgetting about it, sounds like you're bad at this if you're down overall when VTI was up 29% last year.
I have maxed mine out on 01/01 for the last few years. Set it and forget it. I’d go 100% VTI or other simple broad market ETF.
What if VTI sucks crap to the S&P500? what then? in the past 3 months SPY is ahead of VTI and QQQ the past week, even worse... looking at a 3 year timeframe, QQQ is better than SPY, and VTI is worse than SPY. 5 years plus QQQ leaves the other two in the dust.... ​ Berkshire beats the S&P and VTI QQQ still stomps everything else everything from 5 days to 3 years, as a timeframe, Berkshire-Hathaway beats everything
Those are all stock funds, albeit one is international. VTI mirrors S&P pretty closely since the largest companies pull really determine its value anyway.
I think virtually every regular, non-insanely rich person would benefit from a “Boglehead” strategy, meaning that you invest in the total market via funds with the lowest possible expense ratios. That means either going 100% VT or something like 65/35 VTI/VXUS. Then as you get older (since you’re so young, we’re talking decades from now) you can start gradually transitioning over to bonds. Doing this guarantees that you’ll capture average returns, all with very little work and relatively low risk. Active stock pickers lose out against this strategy something like 95% of the time over the long run. There’s no good reason to focus on dividends, imo, especially not at such a young age. They’re not free money, and they create taxable events when you might not want them.
Can anyone explain why VTI is up?
Can anyone explain why VTI is up?
Don't buy "a stock" buy all of them using an ETF such as ITOT or VTI. Read: a random walk down wall street, and boglehead's guide to investing.
Cut your losses and put it in VTI or VOO.
What a nice rant, sure hope you feel proud and productive. You know, doing something stupid intentionally doesn't make it smarter...rather the opposite. Bogleheads are top comments because they rely on *mathematical facts and decades of market research*. Now if you could offer something, *anything relevant* at all to counter it go ahead. But you, litterary, can't. Bogleheads can be lazy but most are funnily enough *smarter, highly competitive and science based* people. It's very difficult to beat the market especially over time. That doesn't mean one shouldn't try, of course not, but that such attempt *still ought to be based on science, intelligence or some other defining factor*. This sub could be a great place if the top comment wasn't litterary (paraphrased) "I like to lose money and do stupid things, because it makes me feel cool and individual". At least try to have a talk about *market theory, fair value and other things we can trade on*. Hearing you rant like it's your personal blog is a lot more depressing then reading "VTI and chill". At least that comment has merit...
Dump it, and switch to VT or VTI and then forget about it for the rest of your life
Depends on your goals. Do you need the money in the next five years? If so, yes do fixed rate no risk investments. If no put it in the market. Overall stock market ETF like VTI.
Buy the overall market SPY, VOO, or VTI. If you want to put 5-10% of your investments into individual stocks you can, but its more risky. That said its okay to take a little risk of stocks/industries that have a high potential upside in the future. Think AI, EV, renewable energy, etc. But for the most part you don't need to do anything fancy and an S&P 500 fund will do just fine.
Lol I bought some ETFs like VOO AND VXUS for my taxable and VTI SCHD QQQM for my Roth . That was like 2-3 weeks ago. And everyday all I’m seeing is RED lolol.. I mean I’m in it for the long term but fuccckkk I’d like to see a Green Day one day 🤣🤣🤣🤣
I finally started getting my shit together and started retirement investing in February. Bought a bunch of VTI at 246 and watched that baby keep climbing. But I was distraught! It's so expensive. When can I ever buy more? Then boom, right back to 246 again. Problem solved. Thanks, stock market.
I use Fidelity and my set up is a TDF (Vanguard 2055) for my employer retirement account. Roth IRA 70% FZROX 30% FZILX Brokerage 75%VTI 10% VXUS 10% VGT 5% Random stocks I’ve held for some time. Besides the radon single stocks everything is set up to automatically invest on a weekly/monthly basis.
Well there is VTI, and then there is owning $30k of EVERY US EQUITY….
Yeah exactly 60:40 VTI:VEA. Therefore prob a bit overweighted international
How are REITs your only other option? VTI, SPY, VOO are likely better choices for you
Just keep in mind not every investor is after maximizing returns, which is what you're basically doing when investing it all in SPY or VTI. Some investors are aiming to preserve their wealth, and/or live off of dividends & interest payments in retirement. You shouldn't penalize an advisor for under performing the market when you told them to pursue a strategy that would clearly have you under perform the market in most situations.
It's tricky - a lot of emerging market indexes that exclude China also overlap with VTI by including Korea. So you might be able to find a non-Vanguard emerging market fund that tracks MSCI Emerging Markets (instead of FTSE) \*and\* excludes China, but then you'd have to find a non-Vanguard developed market fund that tracks MSCI Developed Markets to avoid the Korea overlap. Not necessarily against a bit of China, Taiwan (and India) exposure but to have any granular control over how much you end up with you'd have to incorporate non-Vanguard funds with higher expense ratios and active management.
Ok, now quit trying to pick the next hot stock or sector fund and try one or two highly diversified, broad market, low management expense index funds - VTI+VXUS \~70%:30% or VTI. Believing in stocks and funds is pointless. The don't believe in you.
You can win very easily. Put all your money in VTI then check on it in thirty years.
Me and my 1040 VTI 255C beg to differ.
>VTI FXAIX makes up over 80% of the weight of VTI. >SCHD Roughly 46% of SCHD's holdings (by count, not weight) are in FXAIX. >VOO Is the same thing as FXAIX. >Im unsure of the strategy I should be taking when deciding between ETFs, and Indexs. * Index based or actively managed describes how the contents of a fund are chosen. * ETF or mutual fund describes how the fund trades. When creating a fund, you pair 1 "contents chosen" with 1 "how it trades" for 4 main types of funds. Examples in parenthesis: ||**ETF**|**Mutual Fund**| |:-|:-|:-| |**Actively Managed**|Actively Managed ETF (ARKK)|Actively Managed Mutual Fund (FBGRX)| |**Index Based**|Index ETF (SCHF)|Index Mutual Fund (FSKAX)| Stick to the "index" row. The "how it trades" isn't a big deal in comparison. >What should I be pairing with FXAIX? FTIHX or similar. Cover the rest of the world, there's been plenty of times it was the US dragging behind. FSMAX or similar. Cover the rest of the US market, while the past decade has favored large caps, smaller companies have had periods of excellent performance as well.
FXAIX is USA large cap with a growth tilt. You want non-USA, value tilt, small tilt. Something like AVDV / AVDVX (since you like mutual funds) would pair well. VOO, VTI... wouldn't do anything.
Just to check I've looked through Top 7d to find a popular post talking about individual stocks that is not news-related: [https://www.reddit.com/r/stocks/comments/1c5nxrr/novo\_nordisks\_nvo\_discount\_to\_eli\_lily\_lly\_is/](https://www.reddit.com/r/stocks/comments/1c5nxrr/novo_nordisks_nvo_discount_to_eli_lily_lly_is/) Not a single result for "VOO", "VTI", "SPY" or "ETF".
This is pretty much what I do but I have a lot of friends paying professionals to manage their portfolio consistently getting poorer results thank my SPY portfolio. Sometimes I think about opening my own fund and just put people’s money in SPY or VTI or the likes and save them from these so called professionals.
This!!!! Jesus Christ I try to make this point all of the time in r/Bogleheads. Much of Boglehead theory is based around eliminating fees. If you’re managing your own portfolio, that element doesn’t apply. Still, VOO/VTI makes sense as a low maintenance mechanism for most. But picking individual stocks, especially if you know an industry/sector particularly well, is very viable, and possible to “beat the market” without those management fee overhangs.
People learn about VTI/VOO and chill and think they've become financial experts
Nothing wrong with individual stock picking and frankly that’s really what we should be talking about on this sub. The sentiment against it comes from probability. Probability says an index like VOO or VTI will gain steadily over time, all odds are in your favor. Stock picking is incredibly dependent on many different variables for success including accuracy of the pick and timing of buy/sell. No I will say from your post it sounds like you are buying blocks of at least 100 shares of aapl and Amazon. If that’s the case, you have much more capital than most of this sub and are employing a very different strategy by selling CCs on mega caps that are solid long term holds themselves
A lot of people do enjoy picking individual stocks but the advice that makes the most sense for an average person is to choose VOO or VTI, so that’s what you end up hearing.
Its listed online very clearly, this is from their website itself: “Fees and expenses Generally, when you buy or sell an equity security, you pay a commission based on the principal value of the investment. A portion of the commission reflects the transaction costs of doing business on an exchange.” Perhaps you have an “edward jones guided solution account”? Instead of this commission structure, you’re only paying a 1.35% fee annually. Lets do the math on that assuming a $100,000 portfolio compounded over 30 years, just for example. I’m also assuming a 7.5% annualized return on the overall market. Run this through the calculator and your portfolio comes out to have $875,500 at the end of the period. Sounds pretty nice right? Now lets see what happens when we include this 1.35% a year fee in our calculations. Our 7.5% assumed annual rate of return is now going to be 6.15% adjusted. Plug this into a compound interest calculator with the exact same numbers and only the rate of return being changed out new total after 30 years is $599,000! This is a staggering difference of $285,000 over just the course of 30 years! Of course I made some assumptions in the markets true rate of return over 30 years, it could be higher or lower, but is your financial advisor really worth $200,000, when you could’ve just bought VOO or VTI or invested in a simple 3 fund portfolio yourself? I would argue the answer is a resounding no. Keep in mind, this is only on $100,000 invested. If you contributed a couple hundred thousand dollars over the course of your life, or increased the amount of years invested, the drag of fees on your account may reach the millions! Investment managers try to make investing sound super complicated to the masses so they can get away with this stuff, but its really not rocket science. I hope you run the numbers yourself so you can really understand what’s happening here.
Take an opportunity to learn when you are only down $10 bucks. Took me 10s of thousands before I really got serious. VOO is a long term play. Nobody is waking up the next day and retiring because their low cost index fund went to the moon. Millionaires are made over decades not over weeks. The general trend is up and to the right. Over a 20 year period S&P has been profitable 100% of the time. That said picking and choosing which 20 years the rate of return could be 5% could be 25%. NVDA has been going up fairly parabolic since the beginning of 2023. A single stock has more risk. Is it overvalued; truth is nobody knows but between those taking profits, those unsure, and those panic selling because it’s anything but nothing but gains; buying at the top or on hype comes with inherent risks. I’m heavily invested in NVDA through multiple index funds that said if you are DCAing into your position and have a 20+ year time horizon. Then cut out NVDA and build a foundation in VOO. If you are going to buy a single stock look into Warren Buffets strategy. Spoiler: it ain’t easy. What’s more he suggests the average investor invests in a low cost S&P index fund. If you want exposure to AI then look into semi conductor index funds SMT, SOXX, SOXQ…I own SOXQ which is about 12% NVDA, QQQM is about 7%, VOO is over 5%. Finally I’d suggest a 3 fund portfolio. Representing a foundation, defensive, and growth sectors. Foundation-VOO or VTI Defensive-SCHD or VYM Growth-QQQM or SCHG Bottom line don’t do what I did. If you want to maximize profits sacrifice your time to do your research. If you don’t then you’ll sacrifice your money to learn those lessons. Good luck!
VTI and VXUS held at market cap
Time in the market beats timing the market. Investing every day will, over time, give *worse returns* then investing as soon and often a possible. Now you may be fearful, so go in with 50% of your play money and add 10% at regular intervals. Buying the S&P500 or another wide index like VTI/VOO etc are the *mathematically statistically best way to make a profit over medium to long periods of time*. Buy and hold. And buy more. After 10+ years you'd have a 97% chance of having a nice profit. And that number only goes up over time. Jut this *only applies to whole market ETFs*. Buying any individual stock, be it nVidia, Apple or whatever, can go to heaven or hell. The only thing we do know is that *over time even the best of companies start to underperform* and the biggest companies today will probably not be market leaders within 10-15 years. Today's "forever" stock is tomorrow's has-beens
It’s so funny everyone was “100% VTI N CHILL” but now with a little slight drawdown the same clowns are soiling their depends.
If you have this kind of money to burn at 19, you should really be averaging into VOO or VTI. $20K in VOO today would (on average) be worth $320K by the time you hit 60, and that's assuming zero extra contributions.
$3k in settled cash to buy some dips tomorrow. I'll probably dump it all into VTI or FXAIX and wait for a recovery. J/K I'll do something stupid and lose it as is tradition.
Go VOO, VTI, QQQ. Long term way better returns
Why not invest in etf first until you learn more about investing. Like start with VT/VTI/VOO. Any of those 3. It's perfect right now since stocks are down. You get to buy the dip. The only one I like is nvdia. If you really want individual stocks, get the one you know or blue chip stocks to start. Like Amazon. A lot dips these days. But really start with etf and buy more if the market is down. Just concentrate on 1 etf for now and slowly add another when you know more.
You’re probably best off putting it into VTI and paying very low fees and reinvesting dividends.
seems likes its just the general market if you look at VTI/ SPY
What's the reasoning for QQQM? Is it based on an actual understanding and agreement of the inclusion criteria, or is it simply performance chasing? If the IRA uses VTI + VXUS, consider similar but different funds for taxable in the event you ever wish to tax loss harvest. Such as ITOT or SCHB for US, IXUS or VEU for ex-US.
Lolll.. loses 14k Then says 30 yrs to make money too long.. Buy VOO/VTI and just quit being regarded.. if you would have just put the 14k in VOO/VTI.. you would already be ahead.. lol..
Should I invest in ETFs or pay down my solar loan? I am about to get a solar loan at 6.25% interest rate. I am expecting a 12k fed tax credit for the solar. I could pay down the solar loan with that credit (either right now or next year, loan allows for one free reamoritization any time) or just invest that money instead. Currently I am invested in SPY, VTI, QQQ, TQQQ (only about $15k) so I would just build on those. I am interested in above balance or growth funds but more invest and forget. I am in my early 30s. My goal mostly is to come out on top by investing money I get as tax credit instead of paying down my solar loan over the next 10-15 years. I currently have 3x monthly expense as emergency fund, 2x of which is in HYSA. Per my math I think if I were to get 10% in the market I would definitely come out on top after accounting for tax and inflation. At about 7.5-8% it’s a wash. Do you think I should be able to get >10% in the market over the next 15 or so years?
Might be time to hang it up and just start DCAing into SPY, VOO, and VTI every month. Maybe I’ll break even in 10 years instead of digging an even bigger hole 
You’re cooked bro. DCA your paycheck into VOO or VTI and you should be back in 10 years. At this point you’re just throwing good money after bad.
STO VTI 260c 5/17 covered watch out bulls
"similar" when looking at a small sample size maybe. VTI has increased 330% in 23 years, it only took 13 years for VOO to outdo that. While VTI is more diversified, I'll put my money on the top 500 every time.
VTI is more diversified than VOO. VOO is just top 500 companies. VTI is entire stock market. Returns of VTI & VOO are similar.
I now realize a derivative joke on how VTI, a “USA based whole market” would be a long term play on us poverty 😂
Well I should explain. I used SPY as a general market term. It makes up 500 of the biggest companies in the world. Generally, spy is green, means stocks are green. Spy is down, means stocks are down. Obviously, there are sectors within it - energy, ev, tech, etc that could buck the trend. So when I say I’m buying if/when spy gets to 470, that’s because I believe the overall market needs to consolidate there, before making new highs. In reality I’ll probably buy a mix of VTI, VOO, QQQ, and SPY, but much easier to just say buying when SPY (the market) hits this level.
I recently put in $80k for VTI and plan on investing an additional $20k into VTUS. My goal is to have another $100k split 80/20 into it by the end of the year. My brokerage account is set up as self managed right now but I’m wondering if it make sense to have the digital advisor if I only have (2) ETFs that I plan on holding for 20+ years? I’m new to investing so trying to learn as I go, but the additional advisory fees seem like they could add up to be substantial overtime even tho it’s only .015%. What advantages do I get? The vanguard reps were marketing it as “auto rebalancing during down turns” but this is a long term, buy and hold situation so what “rebalancing” would make sense?
Personally, I like VTI better. Has some small and mid cap exposure which gives it more diversification than VOO. Small and mid cap stocks are trading at a discount compared to historical valuations. To be honest though, can’t go wrong with either
Well I mean using portfoliovisualizer you can see that if she put $25,000 in VTI in 2009 then never touched it and let dividends drip she would now have around $190,000. But you need to know financial advisors aren’t exactly there to make you money. They are there to keep you from losing your money. (Taking it out and being dumb with it). It’s up to you guys if you need a financial advisor to keep you on the correct path or not. Most people do need it so when I’m asked I always tell people if you need to ask, you need to use a financial advisor.
Well, I'm 40 and starting over. Again. I'm throwing some in the yeildmax, defiance stuff and the rest i ITOT or VTI. If I can get a week's paycheck extra per month with those CC etf's, I'll be happy, and so will my ex wife's b/f.
Equities: VTI, AVUV, AVDV, AVEE, AVXC Bonds,: VGLT, FALN, HYMB Commodities: GLDM
In my opinion you got too many picks. I would consolidate to SPY/VOO/VTI and Bitcoin.
All in SGOV or USRF or just HYSA, you could also just by a 9,6,or 3 mo t-bill. Or 8k in the above, the remaining in VTI/VOO if you are ok risking a little of the remainder (market may go down). I would not do any indvidual stocks with the 8k at minimum
If OP puts that into VOO/VTI, he can absolutely easily retire a multi-millionaire at 65. He's set for life.
If we hit January levels again I may buy a few shares of VTI
Hello, I recently moved my Roth IRA to Robinhood so I can get the 3% back. While I make a decision on how to invest that money, does anybody knows what's the closest on Robinhood to Schwab's SWVXX. I was thinking on parking it on GOVT or something similar since Robinhood seems to lack Money Market funds. Any ideas? Seems like the market is pretty crazy these days, even VTI...
Safe as in it'll grow over time at a good rate. If you invest $10,000 into VTI and it's all gone in 5 years, then you have MUCH bigger issues to worry about than your investments.
What are your thoughts on holding international and/or small cap ETFS along with a foundational VTI/VOO for diversification?
1. No. 2. Lump sum in January yields higher average returns (more time invested in the market), but it'll be a bit more volatile than DCA. 3. Yes. VOO is only gigantic companies on American exchanges, and it's a blend of growth and value companies. There are other options... To list a few: * VTI -- Invests in most American stocks regardless of size, but weighted on size. So it's like 3/4 VOO, but the other 1/4 has smaller American companies. Generally does almost the same as VOO * VT -- Invests in world stock markets. Has underperformed for a couple decades, but who knows what the future holds. * VXUS -- Invests in world stock markets excluding the US. Has very much underperformed, but who knows about the future? So you can think of VT as VTI + VXUS in a certain percentage... I think 60-40ish. But you could take VTI and VXUS in whatever percentage you want. Then there are things like precious metals, commodities, bonds, REITs... Their returns aren't very correlated to US stock market returns, so holding some combination can reduce volatility in your portfolio. Plus rebalancing your portfolio periodically can act like a weak "buy low sell high". But generally stocks are the highest-performing asset, so these blended portfolios are usually trading away return in exchange for the lower volatility.
VUG, VOO, VTI are basically as safe as it gets when it comes to index funds
I also have a 401k and a brokerage. Remember to invest in ETFs and not just let the money sit in your account. Buy VT or VTI/VXUS and don't stop adding to it til you retire