VTI

Disastrous-Life-4984

I did and it went up about 40%, so I took it out and split between VTI and NVDA

theduderino38

I’ve been gaming out similar scenarios, and also plan to rotate out of this sector heavily and stack up more chips, cloud, mega cap index and smarter picks like VTI, SPY, VOO, QQQ - if weedstock prices recover and I can minimize some losses and plan to sell pretty much all my LPs, MSOS , and will hold / keep my cresco, GTI, Trulieve long shares.

Over-Computer-6464

>You really only need two indexes. VOO and VXUS. VTI and VXUS. VOO is missing midcap and small caps.

youngishgeezer

I would recommend a low cost ETF that holds all the companies in the world. In the US VT makes sense. In Canada there may be more tax advantaged fund or funds to effectively do the same thing. https://testfol.io/?s=jmxCYrLaYor This will show what investing in the world by way of VT or VTI & VXUS ETFS would earn if you started 29 years ago investing $1500 a month adjusted for inflation (meaning what you see is in today’s dollars and would require you to increase your monthly contributions to keep up with inflation). It’s US based for the inflation numbers but should give you a starting point to see what’s possible using real historical numbers. Play around with it and you can hopefully confirm you can retire nicely without huge investing all your living expenses.

dooknuckduster

VT, or two funds such as VTI/VXUS, ITOT/IXUS, make sense here [https://www.bogleheads.org/wiki/Lazy\_portfolios](https://www.bogleheads.org/wiki/Lazy_portfolios)

FearlessButterfly3

I would just stick with VTI and VXUS, as that covers both US and International exposure. QQQ or QQQM is overkill for a third fund, as you get tech exposure through VTI. Dont worry about bonds until you are in your 50's

Rav_3d

No catch. People work, people make money, people invest in their retirement accounts, many of those accounts go into the S&P 500. Those who have decades to retirement and put it all in an S&P 500 fund will likely outperform many other strategies including those “safer” approaches to mix in some SCHD and VT or VTI.

NetZeroSun

As others have said, its no catch. If anything, its patience and consistency. You will hear about people making huge profit in crypto, or palantir, or nvidia and some really do. A vast majority do not. And many people panic when the market has a temporary downturn and panic sell everything (locking in their losses). As a starting point, take a look at the sub for boggleheads. Such as 70% broad market (VOO,SPY,VTI, etc.) and 30% VXUS (or equivalent for international exposure). You can tweak and adjust, but that gives you a starting foundation. The challenge is too keep adding to your investment over time (DCA), so that compound interest kicks into gear later on. Yes the market can crash, and sometimes even for a few years it can be done. But when you invest for 20-40 years, the challenge is not to panic and just keep investing and over time it will grow. You can backtest previous years and see how your investment strategy could look like at: https://testfol.io/ Again a lot of people hear about the chill stocks because many people know...but a LOT of people don't know, or get bored or overconfident (or desperate) and want to chase max profits. Thats when you see them on wallstreetbets posting.

derprondo

Is it more regourded to hold ALL the stocks? VTI and chill.

Interesting-Foot2880

For you I think two fund would be great. Personally I prefer VTI over VOO because it has thr Mid and Small caps of the US market which increase diversification significantly, and help your portfolio recover faster in downturns.  On the topic of QQQ Id biff it. The "Nasdaq 100" is well marketed but really a nothingburger. If you're looking to add a growth tilt, use a growth fund like SCHG. If you're looking for a tech fund, use something like FTEC. Or use both!! Just dont use something like QQQ because exchanges are not a factor like growth, tech, or anything else is.

Lauve

You'll do great with either of these as long as you DCA and aim to keep this portfolio long-term. If you compare historically, VOO & QQQ out performaced VTI significantly. Since you are young and have a long investment horizon I'd say ditch VTI and focus on QQQ+VOO (or choose one of them) and add VXUS for the international exposure (20%-40%).

qualifiedoasis

Thank you! I was also concerned with the VOO QQQ overlap - which is why I thought VTI QQQ might make more sense? What do you think?

qualifiedoasis

Thanks! from what i gathered, you're suggesting a 2-fund approach? i like the VTI + VXUS option, but should I ditch QQQ completely? Also, should I do VTI or VOO?

Lauve

If you want the "perfect" portfolio do VTI and track the total global market performance. Since you are young and I imagine you are open to some risk you can prioritize the US Market and Tech: QQQ 40% VOO 40% & VXUS. 20%. Yes, QQQ & VOO overlap, but it's not a sin as long as you know you are actively priotiziing US Tech in this setup and believe in US Tech companies for the long run. If you want even more diversity and are open to other asset types you can add small-cap stocks (i.e Russel 2000), Gold ETF and some Bitcoin exposure (i.e IBIT). For example: QQQ 30% VOO 30% VXUS 20% Russel 10% Gold 5% Bitcoin 5% Either case look for a long-term investment horizon (15 years+) and DCA whatever portfolio you choose, don't time the market and don't panic sell. You should do well with either.

AnselmoHatesFascists

This is fantastic work, what I would recommend is not letting it get to your head and staying humble. I got into investing in 2008, and consistently beat the S&P for the first 5 years of what was a recovering market. And then I ran into a wall, including at some point buying way too much Seadrill, which went bankrupt. My winning streak crashed hard. What I learned is that they mean, can you consistently beat the indexes for a period of 10, 20, 30 years? Maybe some can, but I learned that it was way better to buy VTI and chill.

Whipitreelgud

Move into a non AI bubble stock right now if this is your concern. Buy VTI to exit stock picking.

Cav829

Silver is getting insanely risky at the moment as others have mentioned. The last time we had a run up on silver to this extent, the market crashed hard (look at April 2011) and didn't recover until this year. I'd stay away. I don't know why everyone is telling you that you're crazy on SCHG. For starters, the dividend yield is so low I wouldn't even bring it up in a conversation of dividend holdings. Like SPY, VOO, VTI etc. pay dividends, but something like SCHD is what you would look for a dividend holding. I think people are also not noticing that SCHG has outperformed SPY/VTI/VOO type index funds over the last decade and has even outperformed QQQ recently. That said, do understand past performance can become easily conflated with future performance. The reason something like VOO or VTI works best long-term is because of it's unbiased how it works. SCHG wasn't fully tested in the last extended bear market since it was formed in 2009. So I would look at a mix of an index fund and SCHG if you wanted to that way.

Competitive-Debt-770

I’m just sticking with the same VTI, QQQM

gravyluvr

Use momentum when it comes to investing. Keep trying to increase your salary and don't let lifestyle creep increase your living expenses. Start with what you can and learn to live on 2-3% less of your salary every year until you get to a comfortable place. Early increases in savings translate to more compounding in the future. Try to find ways to make your money make money. Low expense ETFs and/or Mutual Funds are the best bets. Using Vanguard ETFs You can do a 50/30/15/5 mix of VTI/VXUS/BND/BNDX ETFs which gives you all the publicly traded stocks and bonds in the world with a 65/35 US/Intl and an 80/20 Stocks/Bonds ratio. Rebalance every year on your birthday. You can also find similar holdings at Fidelity and Schwab.

kl1720

Do this: open an account in Fidelity as it allows fractional share, and has other good features. I am not associated with them but I have tested etrade, Vanguard, schwab, ameritrade and others. Thus, recommending Fidelity. Then, start an auto investing by linking your bank account. Put $10 every week, $5 into VTI and $5 into VXUS. If you want, you can put more. Start small and make sure you reinvest your dividend. Once you see, its slowly climbing up, you will feel good, and feel confident to start investing more. And, along the way, start learning about investing.

Helpful_Border1041

You only need two indexes. VBR VTI If you really want, you can add QQQ. Nothing more. The end.

Odd-Flower2744

Yeah given the volume I probably just wait, need more time to understand too. Anything slightly cheaper with more volume for deep ITM. Ik like VTI is about half tracking almost the same thing but not quite sure on the volume either. Bid asks do look a decent bit tighter

pseudonominom

Once you have an emergency fund, just put extra cash into VT, VTI or some other total market fund. You don’t need to read a book for now. The important thing is to start.

DiegoMilan

Yep pick VOO, VTI or VT and chill knowing your investing in an index endorsed by Buffett, Bogle, and Collins. If there’s ever a good time to listen to your elders, this is one of em!

RetdThx2AMD

r/wallstreetbets complaining that you need inside information to 2x the S&P? WTF? Should just shut this whole sub down and say "buy VTI" instead.

SirGlass

So VOO holds all the stocks inside DIA and QQQ , you would be more diversified if you simply held VOO Adding QQQ really does not add diversity it just concentrates your portfolio into large cap tech DIA is not a major index its just around for historical reasons as the OG index , but it still holds a sub set of stocks that are in VOO Also VOO holds companies that pay dividends, VOO pays dividends. VOO is not a growth index its a broad index that will hold both growth and value companies Diversifying is not about holding different ETFs once could hold a split between VTI (Total stock market) SCHX (dow large cap) VOO (S&P500) QQQ (nasdaq) and this portfolio would be less diversified vs simply holding one ETF VTI as all the other ETFs are just a sub set of VTI so adding those positions makes you less diverse and simply more concentrated in USA large cap stock TLDR just hold VOO or VTI, if you want to add another fund for diversity look at a fund that does not completely over lap with VOO/VTI like a foreign fund , adding bonds will reduce the risk so its fine to add bonds if you want to bring down your risk

kcrawler

VT.. may even go a little wild and get VTI + VXUS

Sagelllini

I would be glad too. >Ahhh... very good question. >Dumb 24 year old Soldier making 5k a month with literally no bills just looking up mutual funds Give yourself some credit, you were smart enough to invest for the long term. That's better than a lot of 24 year olds. Just so you know, under IRS rules mutual funds are required to make distributions to the owners of the fund on a regular basis. Uncle Sam wants his money--which then goes to pay your salary. If you have dividend reinvestment, the fund value went down, but the number of shares you own went up, so your financial position after the distribution was exactly the same as before. I [wrote](https://www.reddit.com/r/Bogleheads/comments/1pdlssz/the_latest_morningstar_report_shows_how_to_invest/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) this recently about how to invest in 2025, and it's had almost 200K views, and lots of upvotes. I think you would find it useful. However, I'll cut to the chase. I'd suggest you sell PBLAX and buy the Vanguard ETF VTI or the mutual fund equivalent. The costs are substantially less, you own the whole US market, and over time as the Morningstar numbers show passive investments like index funds do better than the majority of all mutual funds. The last thing I'll say is the tortoise wins the investment race,and starting early helps. I suggest you buy VTI, or the Fidelity or Schwab total market equivalent, and invest regularly when you can. If you do that, you'll do better than about 90% of all investors, and there is nothing dumb about that.

RAFALUL

The capital gains distribution isn't new money, it's just the fund realizing gains and paying them out. When that $1,766 got distributed, the fund's price dropped by roughly the same amount per share. So you reinvested at the lower price, but your total value stayed about the same. Your "red" is probably just the price drop from the distribution plus whatever the market did that week. The real issue is that 5.5% load and the expense ratio on PBLAX. You're paying a lot for active management that historically doesn't beat a simple index fund. Might be worth looking at something like VTI or a growth index fund if you want similar exposure without the fees eating your returns over time.

Action_Connect

No worries. I made a bunch of mistakes picking funds and stocks when I first started. I bought different REITs and individual tech stocks that ended up tanking. I finally decided to make it simple by investing in the broad market through index funds. Most of my investment is in VTI and a bit in VYMI, SCHG, and SCHD.

Action_Connect

How did you pick this fund? I stick to index funds like VTI for lower cost and a proven track record.

itsgabenog

I'm excited to announce that in 2026 I'll keep DCAing into VTI

ATUGA

Christmas week for VTI over the last 20 years: • Green: 15 years (75%) • Red: 5 years (25%) • Last Red Year: 2024 (the final trading days of last year).

IndubitablEV

Putting it into an index like SWPPX or VTI would be more beneficial in the long run. How much do you have left on student loans? You’d be taking a big hit on taxes and penalty to remove it from your account.

Temporary-Frosting62

Fuck VTI. Just VOO and chill

Jayytimes2

I used to have some VTI. Wish I would have held on to it. Can you explain a little more about SCHD? It pays basically a dollar per share annually and only trades around 27 dollars last time I checked; and it had a recent split so in time (longer term) in theory share price should rise.

empiredude

SPY & VOO are effectively identical. I wouldn't have both unless you're doing it to have two different buckets for taxable capital gains optionality later on. As far as thoughts, SCHD is a dog imho.. dividends are tax inefficient, their cover call scheme isn't super helpful in a true market that goes up. DIA doesn't really seem necessary either.. I'm a boring r/Bogleheads kind of investor - you're probably just as well or better off with either an S&P 500 index, US Total Index or World Total Index as you are by overcomplicating there with those tickers. SCHD had a lot of great online influence to make it seems like this great plan. In a lifetime of wealth building, I don't see any benefit to it vs. $VTI and personally bet that $VTI will perform better.

el_smurfo

I've been 100% VTI (SCHB) for most of my investing life but I am at the point where I'd like to consider retirement, or at least a long sabbatical. Instead of changing to a bond heavy allocation I've been thinking about just investing in a Schwab targeted date fund with a target a year or two away and let them do that allocation shift. Stupid? Lazy?

MrLB____

Yes, I’m not gonna say you got lucky but hey, you did great,,,, you’re the one that brought up “VTI and call it a day” that is what I would do ,,,,and mix in some international Vanguard of course

Glittering-Health889

Say 70–80% into VTI for guaranteed participation, keep 20–30% for high conviction

Hopeful-Blacksmith38

What are you recommending? 50% VTI and 50% individual stocks?

BikesOrBeans

That great, but don’t mistake beating the market as more than survivorship bias. At this point I think lump sum into VTI is best, since lump outperforms DCA.

JimHotWater85

* Skip the managed mutual funds and go straight for a self-directed retirement account. * Go all in on VTI * Not sell my truck that was paid in full to "upgrade" to a better truck with a monthly payment. Despite not doing these things, I've done okay and I've learned a lot. But I would have been better off if I did.

quintavious_danilo

SCHD is a bad investment, period. It’s only shilled by youtubers and redditors who have no idea how to grow your wealth. Put everything into VOO/VTI or VT and let it compound.

AtHomeWithJulian

Without knowing your risk tolerance and how long you intend to keep this invested, you can't really go wrong with VTI, VOO etc. That should comprise the large majority of your portfolio, then from there you can look to individual stocks like Mag7 or crypto. Not the biggest crypto guy but the BTC price does look reasonable at the moment

Stock-Ad-4796

Parking most of the 125k in VTI and keeping a smaller sleeve for stock picks is safer long term.

xcexoztykl

First of all huge props to you. I’m not too much older than you, at 24 . But I only started investing at like 21-22. I only have a net worth of abt 50k with almost 40k of that invested. Imagine if I started at your age! But most people don’t even start in their 20s, so you and I are both ahead of the curve. So you’re doing great with 66k at 18, and huge respect that you’re even thinking about this , let alone the amount you have. As for the investing advice, S&P 500 (VOO), or total stock market (VTI + VXUS or VT) are all good choices. Growth funds are also optional, but keep in mind the top companies in the us are mostly tech anyway.

sithie_12

I'd keep 10-15k liquid for emergencies/opportunities, then yeah, boring ETFs are your friend. Maybe 70% VTI (total market), 20% international (VXUS), 10% bonds (BND) if you want to be extra safe. Set it and forget it. The temptation to YOLO into meme stocks will be real, but that money compound growth over the next 10+ years will make you stupid rich if you just stay boring.

FeeRemarkable7794

How fking hard is it to but VTI and forget about it?

luke_530

Either VT or VTI &VEA+VWO

Virtual-Gene2265

You're not ready for anything deep. Put some in an emergency fund (minimum 6 months expenses) and the rest into VTI and forget about it.

siazdghw

Imagine losing a million dollars in a bull market, where all you had to do was hold an ETF like VTI and do nothing for the entire year and still make easy money.

Odd_Rip_568

• Core: broad ETFs like VTI, SPY, or VT • Add 1 solid stock: names like AAPL, MSFT, AMZN, or GOOGL, businesses that are profitable, durable, and easier to hold through swings Skip options for now. They’re rough on small accounts. Build the base first, then take more risk later when the portfolio’s bigger.

thinkneo

$100k today, long-term focus: \- 50% VTI/VOO - boring but works. Don't overthink the core. \- 20% big tech (GOOGL, AMZN, META) - AI tailwinds, reasonable valuations vs NVDA/MSFT \- 15% international (MELI, SE, NU) - diversification + growth outside US \- 10% high-conviction picks - individual stocks you've done DD on \- 5% cash - dry powder for volatility Strategy: DCA over 3-6 months, don't dump it all at once at ATHs. Rebalance annually. Boring wins. Not chasing yield or swing trading. Time in market > timing the market.

Comfortable-Cost-

Solid track record, but I think you’re being appropriately humble about how much of that came from NVDA timing rather than repeatable skill. If long-term is truly the goal and you don’t plan to sell for decades, parking a large portion into VTI makes a lot of sense, then selectively deploying smaller chunks into high-conviction ideas over time. That way you’re not betting the next decade on finding the next NVDA.

yad76

Well, except you are making assumptions on the current breakdown of US versus international, plus neglecting that VT has a slightly higher expense ratio, plus neglecting that VT holds far fewer stocks than VTI+VXUS but this is Reddit so whatever. Downvote the quality answers and upvote the crap!

taplar

Personal opinion, just do it. Figure out a break down you would be comfortable holding, say, VTI and VXUS.  Let's say you decided to go 70/30, and then VTI corrects. You then have the option to rebalance VXUS into VTI to get back to 70/30, thus capturing the lower cost basis. Or if one of them out performs, you can take gains to rebalance back.  Or just go VT and ignore trying to get lower cost basis. 

Immediate-Run-7085

>lump sum it all into VTI Yes. But you most likely won’t

Best_Investigator_66

Despite some concerning data, we are still in a Bull market which should continue through 2026. So depending on your age/goals, you should invest accordingly. I like sector index funds and of course VTI / VOO.

ConcentrateOk523

I wish I knew. Made the mistake of going 20 percent bonds 9 years ago. Should have stayed 100 percent stocks with VTI and embraced tech stocks. Would have so much more.

boringreddituserid

This is the best advice. If you’re not doing your own due diligence on each company, then just stick with ETFs. QQQ for top 100 NASDAQ or do VTI for exposure to the broad US market.

anonUSAFguy

This is what I do. The only difference is I use VTSAX instead of VTI

Working-Comedian-401

Good split! VTI's solid for growth, and VXUS adds some nice international diversity. How long are you thinking of holding.

HipOut

Depends on how long you want that 100k invested for. 80 percent VTI 20 percent VXUS

Peppie79

Its free money that you would not have otherwise. Just get VOO/VTI/Goog at least and let it ride for 10-15 years and enjoy the free money from that. Save 3k or something from the free money and invest that into what you like. Just let the other 12k do their work and dont touch it when you blow the 3k.

Status_Plastic_1786

I have 6, I only buy big companies and if they go up 50% in a few years I sell some to get my investment back and move to VTI.

blorg

Under 50% actually, most target date funds have substantial international equities which is the largest difference. Vanguard do 60/40 US/International in equities. There is a bond allocation, small in the late-date funds, but still 8-10%. Then, 12% of the US equities are outside the S&P500. Used by a bit more than that but the US market has got more concentrated. Vanguard Target Retirement 2070 Fund, which is the furthest out they have, works out 48.3% the S&P500. Anything closer in date it will only get lower due to the bond glide path. So they are meaningfully different. Target dates will be closer to VT rather VTI or VOO when they are far enough out they have a small bond allocation. Coincidentally, their US/International allocation is similar at the moment, VT is 63/37. But the Vanguard target weight funds specifically do 60/40 (they moved to this from 70/30 in the last decade), while VT the allocation floats by market weight.

blorg

[VSVNX Vanguard Target Retirement 2070 Fund](https://investor.vanguard.com/investment-products/mutual-funds/profile/vsvnx) (45 years) is their furthest in the future. It's: 54.90% Vanguard Total Stock Market Index Fund Institutional Plus Shares 37.20% Vanguard Total International Stock Index Fund 5.50% Vanguard Total Bond Market II Index Fund 9 2.40% Vanguard Total International Bond II Index Fund Vanguard Total Stock Market is the US exposure, this is the same fund as VTI. VOO (S&P500) is 88% of VTI. So 48.3% of the longest-term target date fund is the S&P500. The largest difference is the inclusion of international equities, they do 60/40 US/International on the equity side. Then there is 92/8 stocks/bonds.

HelloTheirCruleWorld

Anyone else panic buy rather than panic sell? Anytime VUG and VTI is down over 1%, I put a large chunk in. Every time.

HelloTheirCruleWorld

Anyone else panic buy rather than panic sell? Anytime VUG and VTI is down over 1%, I put a large chunk in. Every time.

SuckAlpha

Right, what’s the problem to hold VTI 70 and VXUS 30 ?

Lanaloki

In general, it is considered high risk to have more than 10% of your portfolio in one stock. So this is alarming. It is also high risk to make big sales / reorganizations of your portfolio at once. So you’ll want to be gradual but aggressive in correcting the imbalance. I would sell 20% of my NVDA holdings each month from now until I get NVDA down to 10% of my total portfolio. Reinvest the proceeds into 80% VTI / 20% VXUS.

Icy-Butterscotch-206

I own 5 individual stocks. AMD, NBIS, DRSHF, RDDT, AMZN. Between 3-5% of port for each. The other 85% is in ETF’s (VTI/VXUS) …. I had close to 35% in stock picks while shit was running up like crazy, but luckily I took profits while it was near the top. Everybody has their own strategy but for me personally. Limiting it to about 5 at a time is perfect. I have a family, work a full time job, have hobbies….. I don’t have enough time to evaluate and manage 10, 20, 30 different investments. Just keep it simple and dedicate my focus to my highest conviction (or high risk high reward) plays

i8beef

Honestly, because I can remember VOO, VTI, etc. but have to look up the random combination of letters making up the Fidelity equivalents every time.

CuddlyWhale

This is exactly my strategy. 26 y/o, been 50% VOO 50% QQQM for the last two years and will be the plan going forward for at least the next 5-10 years. I will reallocate more into VOO (likely some VTI) with age, and trim QQQM as market conditions change

empiredude

In last 30 days my $VTI portfolio is up 2.47%. It's down something like 1.5% since beginning of December. I prefer the up-and-to-the-right green escalator just as much as the next guy, but this month hasn't been brutal.

crazybutthole

>Continuously improving my portfolio helps me better adapt to these shifts. actually - alot of studies and common knowledge says - if you buy quality companies at fair prices or wide market ETFs like VTI or VOO and just hold them for a really long time - you will far out perform trying to "continuously improve your portfolio"

maarifamoney

About your age and did something similar. About 80% VOO/VTI and kept the other 20% in a target fund. Although I think it’s better at 100% S&P given the young age tbh

Icy-Butterscotch-206

2 chicks at the same time. The rest goes into VTI/VXUS for retirement.

Helpful-Staff9562

The haystack woudl be VT not VTI. USA isnt the only country on earth

carjunkie94

Stop gambling and start investing NOW. Take that money and put it into VOO/VTI, set up auto deposits, and don't look at it again until it's tax time.

gmenez97

"International lagged but this year was different." They say this every cycle. US has outperformed for a decade, but international has its moments, like 2025 so far (VT up 21.60% YTD vs VTI up 16.79%)." The above implies VT is an international only fund which is incorrect. VT is both all US and all International. Should be using VXUS as the comparison which is 30% YTD because it is the total international market fund.

1kpointsoflight

Interesting. I tell my 21 yo to not think and just buy the haystack. VTI and never think about it

Lakeview121

Yea, you’re on the right track. Just go VTI. VOO is good too. Just pick one and deploy.

Artistic-Western6342

"International lagged but this year was different." They say this every cycle. US has outperformed for a decade, but international has its moments, like 2025 so far (VT up 21.60% YTD vs VTI up 16.79%). Switching now based on recent performance is trying to time the market. No one knows anything. VT includes about 60% US anyway, for a slightly higher expense ratio (0.07% vs 0.03% for VTI). Stick to your plan, or make a new one and ignore the short-term noise.

TiredWiredAndHired

Bro, just buy VT or VTI, please!

Luda1982

Apple, Microsoft, VTI, and VOO. 2 Tech and 2 Index. And buy every month and hold long term

ForeverInTheSun82647

VTI Is my core. I have VXF as a satellite. Simply cause VTI is so heavy in the s&p that I wanted mid, small cap exposure more. Then I have VXUS for the foreign markets. If you have VOO and VTI already I would compare the capital gains on them before dumping anything.

SnooGuavas3568

Holy 💩. You need to jus put it in VTI and forget about it.

Away-Patience8556

I mean you’re 32, Could be worse if you were 52 or 62, and stop options at this point, clearly it’s not working for you buddy, and go learn about fucking Etfs, VTI, VXUS and so many more

PomegranateEasy5816

I (37M in US) recently inherited roughly $300K and am not sure what to do with it. I feel kind of behind on saving for retirement (\~$100K in IRA mainly in $VTI/$VXUS/$BND/$VNQ, small positions in $KO, $HD, $DE, $MSFT), \~$50K in a taxable account that's mostly in $AAPL). I don't own a home but don't feel like this is a great time to be getting into the market as a first time buyer. I wouldn't necessarily need to use the money any time soon, but it would be nice to be able to use some of it for a down payment if an opportunity to buy a house came up. No debt - no mortgage, car is paid for, and student loans were paid off some time ago.

FeeRemarkable7794

But VTI and then forget about it. Stop actively trading.

maicii

Instead of splitting it yourself you can buy VT it’s already the split of VTI/vxus

vultur-cadens

If you already have held VTI for 15 years, you should probably use new contributions to buy VXUS to add international exposure until you're at your desired allocation. Selling VTI now will cause capital gains taxes. I've been adding VXUS since last year, and now VXUS is around 39% of my equities which I believe is close to what international makes up in VT.

howtoretireby40

if you can earn $500k by 33 years old, you'll be fine. You prob lost about 5 years of future savings. Seriously, automate your savings into VTI/VOO and walk away. Go hit up your favorite buffet tomorrow and just be glad you're not in debt like 50% of the US and still better off than 75% of the world.

TaxFraudCPA

You can turn 29K into 100K on one good day of SPY options. But in all seriousness depending on your salary, put the remaining amount of money into VTI and keep depositing 1K a month into it for the next decade at minimum without selling. You should’ve stopped gambling once you lost 1/4 of your port.

Cush_Maine

How should I invest 20k? Hello, I have some money sitting in savings that I won’t need anytime in the near future and I decided I’d like to do something with it to make more money. I’m open to suggestions here’s what I can up with Chat GPT: 20k to invest -5k in High Yield Savings Account -15k in Index Fund VTI 100% OR VTI/VXUS 80/20 split Let me know your thoughts / advice please, thank you.

Tacos2Night21

Put the rest in VTI/VOO and forget your password

Dividedby21mil

I read his GameStop Substack. He is definitely clearly autistic. Also makes me wanna just VTI and chill. I am not smart enough for this shit lol

crazybutthole

i have a 401k that is 50% sp500 and 50% life cycle funds. then me and wife each have fidelity accounts with a little over $100k which includes (our emergency funds in taxable accounts which are like 30% SPAXX / 30% treasury funds like sgov and usfr / 30% BOXX and 10% sp500) then we each have a traditional and a roth - hers are both ~ 30% each of ETFs ( VOO / VTI / QQQ ) and 10% in international ETF (similar to VXUS) mine is 1 account (Trad.IRA) has all kinds of ETFs and the other (Roth) is my gamble up individual stocks account - it made ~20% more than SP500 this year - so i will do it again next year - we agreed that if i cant beat the market - then i will switch to the all ETF approach. (i am only buying shares. no options and no shorting.)