VTI

BigimusB

It won’t really have an effect on vtsax or vti. Those vanguard indexes cover 3500 stocks, where qqq is only the top 100 stocks. VTI probably won’t see much of a shift where qqq will be forced to heavily front load spacex.

OSUBoglehead

VTI is just like SPY but with worse options. You're looking for 0 dte SPY calls.

kawkface

Yeah I know bro. Some dude mentioned VTI so ima check that out

Lowfi-Concert

Seriously, just cash out VTI and chill (US all the way fuck international markets), you’re not gonna have the 7 digits after taxes anyways. You’ll hit it by the end of the year in the regular market before you have to sell off some for taxes

Agile-Slide1350

Yes but VTI at float whereas qqq gets fucked

turkeybags

Lol dude I'm a millennial. 95% of my NW is in VOO/VTI. You're the one is WSB trying to have a balanced discussion. You should feel silly. This is where people buy 0DTEs and talk crap.

johntc121

Company got bought out and is no longer using the current 401k provider. I decided to rollover my 401k balance to a traditional IRA. It's about $30k Trying to figure out the best way to diversify the funds (as well as continue to contribute to the same diversification) What plan seems better (or any other suggestions)? Option A: 70% VTI 20% VXUS 10% QQQ Option B: 80% VTI 20% VXUS Option C: 70% VTI 20% VXUS 10% bonds Some other funds I have in my brokerage account is SCHD and VOO. Pretty new to investing, so these may not even be the best options. If you have other suggestions, please let me know.

throwaway-4748329472

You’re absolutely right and I salute your mental fortitude to make it through. The 2020 and 2022 drawdowns must have been intense. I hold 90%+ in VTI + VXUS, I’m with you. But I also have watched tons of friends and colleagues try it and panic sell bottoms. Those people should have higher cash and bond allocations, so they don’t panic and can re-allocate (buy stocks with their large cash and bond positions). It gives them the psychological stability to stay the course.

Environmental_Bag778

could put that in VTI or something

traveltimecar

Would this effect VTI or is it separate from that?

spacmann

Have the index funds already bought in? Don't they have to wait until SPCX is actually getting added to the indexes? From memory, that's 15 trading days for Nasdaq, and 5 trading days to be included in VT/VTI of Vanguard.

SlfImpr

$SPCX Bruh, just did a full analysis of SPCX lockup expiry schedule vs. upcoming forced Index fund buying (Nasdaq, Russell, VTI, etc.). This thing could squeeze up high until end of July / early August because there is a tiny float until then, and even afterwards, it is a staggered lockup release schedule

pinballrocker

There two big buy days coming up that should keep driving share price up: June 19 - VTI has to buy a big block of shares July 6 - QQQ and QQQM will be forced to buy that day

pandadogunited

VT is an index of over 10,000 companies. QQQ has 100. Using raw percents overstates the difference in weighting methodology. QQQ will be weighting SpaceX as having a market cap three times what VT and VTI will, not seven. Either way, all three funds will be forced to buy, not just QQQ, and all three will be adjusting for float.

throwaway-4748329472

It’s all hyper dependent on the individual and their circumstances. Ignoring PE ratios and CAPE and always putting new cash flow into a broad index will work over a long 20+ year time horizon. Life is not the simple, kids happen, people get sick, homes have emergencies. Some people don’t want to have to go through that and watch their porfolio be cut in half at the same time. Other asset classes smooth that volatility. You’re absolutely allowed to change your allocation based on your life situation. At current prices it’s almost guaranteed we will experience a 20%+ drawdown year in equities somewhere in the next 10 years. It’s also almost guaranteed that your CAGR in VTI over 20 years will not be lower than 7%. Not everyone is built to have that 20 year vision when just lost half your net worth. From a purely mathematical standpoint for terminal wealth, you’re right. But also math studies have also shown it’s even MORE efficient to use 2x leverage, over the course of 20+ years you will outgrow the interest you paid for the leverage. But now you have to stomach potentially 70-80% drawdowns, but throughout the entire history of the SP500 it has produced outsized gains vs just SP500 over every 20 year period. Why don’t you do that? Probably because it requires an insane amount of risk tolerance That being said. I agree VTI (or VT) and chill is the strategy 80%+ of people should be using

Axe_Raider

VTI is float adjusted so we are talking 12 basis points or so

strangehitman22

What 😭, I thought VTI measured s and p?

Auggernaut88

VTI has it but based on float over market cap so relatively small exposure all things considered

_Anon_One_

I just started my Roth at the beginning of the year, so I did similar with $14.5k at $166. I'm currently up $4.1K. Going to set my stop lose at $200 and see what it does. I'll move it up if it keeps rising. I plan to sell all after the 15 days NASDAQ 100/ other ETF launch. Then it will go right back into VOO and VTI.

YaPhetsEz

What is your brokerage? I would lean VTI, but again just choose whatever your brokerages has a preferred expense ratio on.

LegitosaurusRex

Yes, obviously cash or bonds is less dumb than lighting your money on fire. >The more intelligent thing would be increasing your allocation to those and then rebalancing when you feel equities are priced more appropriately. You're just rephrasing "time the market" again. Fancy words don't change what you're trying to do. Changing your allocation based on risk tolerance and portfolio diversity is something you set and forget, not try to mess with based on how you're feeling about the market. People trying to do what you're saying is why retail investors very consistently underperform the market. The answer is to leave your money in a broad index fund like VTI, not try to jump out of the market and dodge a crash.

Ahamadrayasbaboon

Yes, but it is overblown on Reddit by people with an agenda. See breakdown below.  Most 401k providers default to a target date fund. Most of those will have a very small amount of SPCX after inclusion. I think a fraction of a percent. Maybe as low as a few hundredths of a percent. You can look up how Vanguard ones are structured.  QQQ will have an unusually large amount of SPCX, likely single digit percent. But any 401k that offers QQQ will have other funds to choose from, such as: VT/total world: Fraction of a percent.  VTI/total US: Fraction of a percent, maybe up to one or two percent.  SP500: Zero. Probably the most popular in a 401k after target date funds.   US large cap: maybe single digit percent Mid cap: zero Small cap: zero Value blend: zero Growth blend: probably similar to QQQ Govt bond fund: zero.  Foreign equity blend: zero.  My own 401k, through Voya, will have zero.  

Independent-Egg9086

As a canadian as well.. VTI/VOO which one would be better? I won't be touching the money for 25+ years, roughly 50-60k.

Sufficient_Habit5091

Unfortunately this may be accurate. And most retirement accounts with target dates, VTI, large cap blend 401ks will be forced to buy.

YaPhetsEz

Lowest expense ratio general market index fund. Your brokerage should offer an in house equivalent with really low expenses (VTI/VOO for vanguard, FXIAX for fidelity).

rodentmaster

VOO will market match. But that's about all it'll do. It's long-term, slow growth, but more resistant to crashes. Maybe. It still took a few nose dives with me with the rest of the economy in the past 5+ years. It's safe. It's tame. If you're starting a little later, it can work, but I would suggest maybe looking at one or two slightly more agressive choices. I have VOO/VTI for many years. I just wasn't seeing the growth I wanted, also having started late. After a long delay of not wanting to deal with it, I finally was trying to take some numbers to a friend who wanted some casual suggestions about how to get started. Now I would suggest SPMO instead of VOO. Instead of VOO/VTI, I'd suggest SPMO/VGT in anything from 60/40 to 90/10 ratios.

Rare-Ad9392

I don't ask for anything from them. I have total trust, but yes as i've researched the last year, I realized that I'm paying on the high end. And would really stay with them if I was closer to 1 -1.2%. but thinking about just consolidation to a 3-Fund Structure: Total U.S. Stock Market ETF (like VTI) 60% International Stock ETF (like VXUS) 20% Total Bond ETF (like BND) 20% And do this myself and seek out a flat fee advisor yearly or as needed.

Sellazard

Spacex will be included in. S&P 500 in a year. VTI, VOO and chill won't work anymore once the house of cards falls someone will have to hold the bag

mr_brobot__

You could buy something like BRK.B or a value etf but honestly I would just stick with VTI or VT

AceMaxAceMax

VTI/VXUS or VT. The end.

BearThumos

How does a noob figure out which tickers /indexes to look out for? Ex: VOO vs VTI?

Educational_Cable405

Everyone in here is about to hand you a ticker, and that's the smaller decision. $250 a week is roughly 13k a year, and whether it goes into a Roth or your 401k versus a plain brokerage swings your end number way more than VOO vs VTI ever could. Fill the tax-advantaged space first, the fund inside it is almost an afterthought next to that.

bofoshow51

Starting at 35 is actually the average, and about $1000 a month is a really great start! You should focus first on maxing your retirement accounts, certainly your Roth IRA, before prioritizing a taxable account. You only do taxable after getting all that advantage juice from the other first, or you plan to FIRE and know exactly how much you need in a taxable to tide you over til you can withdraw from retirement accounts. Way way way better to auto set to low cost broad market index funds like VOO. I highly recommend doing a mix of US and International, so VOO/VTI + VXUS, or even simpler just VT. VT and chill on auto is truly the statistically best way to get your money working for you long term. The best time to start was yesterday, the second best time is right now. Congrats, and keep it up!

DuckLIT122000

Try to keep some amount of money available as an emergency fund. For better returns on your savings, you can put it into a money market. If you know nothing about investing, I would recommend only using a website instead of getting an app so you don't look at it as often. The goal is long term growth, so no reason to look at it frequently and potentially get scared into selling when the market is down. Like people said, VOO/SPYM/VTI/VT are very safe long term investments. Keep in mind that IRA contributions are limited to your earned income, so if you are not working, you'll have to use a normal brokerage account.

Donut_LordO

I would not push him into investing, but maybe show him how $250k in VTI would have made him $5100 monthly on average.

littlebobbytables9

You're trying to avoid overvalued stocks by investing in a growth fund with a P/E of 38.4 compared to the 27.4 of VTI, the fund you're running from?

professional408

S&P 500. VTI. VOO. Broad Market Index funds. Set it and forget it.

Narkanin

Does he play video games? Try a small amount in whatever game companies he’s really into and then majority in something stable like spy, VTI, and probably international like VXUS. There’s also an e sports etf which bounces around a bit, that could be interesting to him without being make or break

MuntzDesigns1

Open a Vanguard account (Roth IRA) and invest in VOO or VTI with some international exposure like VXUS. Keep in simple and set up recurring investments.

Fantastic-Ice-1402

A target date fund is fine to start with while you learn. It has a combination of VTI, VXauS, and bonds based on the year you plan to retire. At a young age you could probably just do 65% VTI and 35% VXUS and no bonds until later.

ofesfipf889534

VTI

GWeb1920

VTI is the 19 and QQQ is the 24th so that’s the big initial push with no new equity released. 2.5 billion or so for VTI and 3.5-4 for qqq/qqqm so about 5-7% of total float. ITOT is September so there will be more unlocked shares by then but unlocking more shares increases the float and trigger more buying by the other 3.

GWeb1920

So it has 3 big bumps coming that everyone is aware of. VTI buying, QQQ buying and ITOT buying. Then it needs 4 profitable quarters for SPY and VOO. This is combined against investor lock ups going into Q2 earnings. So it’s going to squeeze, the major investors in the IPO will take profits and we get to see if retail can hold it up. If one looks at Bitcoin one can see how irrationality can maintain price forever.

CaptainDorfman

I’m in VTI in my retirement accounts (Fidelity BrokerageLink and Vanguard IRAs) and am seriously debating switching to VOO and VXF.

Mobile-Bar7732

It will be included in VTI after 5 days which a lot of people hold in their retirement accounts.

Beautiful_Benefit319

Well, only invest in equities if you don’t need the money for at least five years. And I believe for most individual investors the vast majority of their portfolio should be in low cost total market index funds like VOO or VTI. These give you diversified exposure to a variety of sectors. You will float up as top performers are helping to lift the market and your risk is mitigated on downturns. It’s very difficult for the individual investor to outperform the market averages with individual stocks. Less than 10% of my entire investable assets are in individual stocks. They don’t usually outperform the market average but I enjoy the process, data and news.

JeanneDarc0

Just do VOO or VTI and call it a day bro, maybe throw in international exchange stock like VXUS for diversability 😂

Exquisite-Load8654

1. Stop thinking. You aren’t capable of predicting anything as it relates to the market. 2. Stop listening to the opinions of people who ALSO do not know. The most accomplished investors in the world can’t predict what the market will do. This is a critical lesson you must understand. 3. Buy VTI every pay period for the rest of your existence regardless of what the market is doing. Markets up - buy. Markets down - buy. Congrats. I just helped you shave several years off your retirement. 8 digit guidance. Good luck.

Exquisite-Load8654

1. Stop thinking. You aren’t capable of predicting anything as it relates to the market. 2. Stop listening to the opinions of people who ALSO do not know. The most accomplished investors in the world can’t predict what the market will do. This is a critical lesson you must understand. 3. Buy VTI every pay period for the rest of your existence regardless of what the market is doing. Markets up - buy. Markets down - buy. Congrats. I just helped you shave several years off your retirement. Good luck.

c-u-in-da-ballpit

You’re asking the same people that you’re saying you shouldn’t have listened to. DCA into VTI and stop overthinking

SurgicalClarity

Like others have said, these numbers just aren't realistic. I'd start with the /r/personalfinance flow chart. https://www.reddit.com/r/personalfinance/wiki/commontopics Keep enough in checking to cover your monthly expenses (which I'm guessing are near zero since you're in high school) with a little cushion. Put the rest in a high yield savings account for now. Check bankrate.com for options but you should be able to get 3-3.5% at the moment. If you're not going to need the money for several years, you can consider investing. Once you have income from a job, you can consider a Roth IRA, or a taxable brokerage until then. You can open these accounts at a place like Vanguard or Fidelity. If you go the IRA route, consider a target date 2070 fund, or roll your own 3-fund portfolio (VTI, VXUS, BND). If you use a taxable brokerage, definitely don't do the target date fund as you'll be taxed on the capital gains distributions even if you don't sell.

ubetgreentree

As some have said, if you don't need it to get your education put it in an index fund (I would suggest VTI) and forget you have it for 30 years. If you are hell bent on the semi-passive/active side, you could study real estate and buy a fixer upper that could be rented out after you DIY the fixes. Will obviously not generate $6-7k per month.

InvestingNerd2020

So $21k after living expenses and taxes. It will be tough because you need your money to compound and grow over 20+ years typically. Check and see if your employer offers a Roth 401k. $24.5k contribution limit for 2026. Within 5 years while remaining employed and contributing $20k per year, you will have put away $100k USD at age 36. After $100k, your money exponentially works for you. Easy path to early retirement after that. This assumes there is a Roth 401k offered. If no Roth 401k offered, You can focus on building wealth via the company regular 401k plan. Same contribution limit, but pre-tax contribution. Follow the same plan. Unfortunately, any withdrawals before 59.5 years old will have a 10% penalty and taxes on that untaxed income. A taxable brokerage account is another option. No 10% penalty, but you will have to deal with regular taxes on capital gains. Use a stable core ETF (VTI or VOO) and some growth individual stocks with a good balance sheet (Google and Nvidia).

GatorBo69

The stock market has become a massive catalyst for actual consistent growth and stability, with the ceiling not even perceptible.. it will have its “once a year pull backs” but DCA investing into the market is nearly a foolproof investment that should at least compromise 60% of your entire portfolio. I’m a big believer in holding 10-15% of your portfolio in hard assets, as I have over $200k in physical gold/silver eagle coins in my safe that I’ve been collecting since 2013.. “Fear” of a recession or crash is futile, bc it’s inevitable for a pullback but that shouldn’t scare you of DCA your investments. Expect a massive spike come July, when Trump Accounts for children become available. Think of how many Americans will max out each of their children’s $5k per year allotment come July. I sure know I will be putting $5k into VTI for each of my two kiddos(6 & 4).. by the time my oldest is 18 she will have at least $100k in her account which then will be converted into a TradIRA. From there you can convert it to a RothIRA by only paying taxes on the GAINS, let’s say $40k of the $100k are gains and since she will already have a job and be in college I’ll be able to avoid the “Kiddie tax” and she will most likely be able to still get a refund from her minimum wage job and the tax bracket she’ll be in. Having $100k in a RothIRA at the age of 18 will essentially set her up for life, where if she wasn’t to contribute a cent it would still be worth over $8m by the time she retires. BUT, I will have taught her the importance of investing and she will at the very least know to contribute 20% of her money into that account. If I plan on doing this as an upper middle class American I can guarantee you almost every one else invested in the stock market will be doing the same thing!! Plus, the 4th of July being the 250th birthday for America expect this summer to continue the market’s momentum. The midterms will present a bit of a pullback but fear cannot be your mindset if you invest in the stock market, it only prevents you from maximizing your retirement.

Informal_Bench_7219

Yeah I’m getting cucked on this. Glad I mostly invested in DRAM. Just hoping to break even so I can get out and VTI & Chill

InclinationCompass

Not worried - between VTI and VXUS, I’m invested in over 12k stocks across the globe.

Necessary-Lie8487

Holding VTI 370 call. Do I hold till exp on 6/18 or cash out??

SirGlass

Well you can buy a similar investment and still get the gains Usually its rotating between several similar funds. VTI, ITOT, SCHB . If the market has taken a dip and some of your VTI lots have losses you can sell VTI and buy SCHB If the market rebounds you still have it covered with SCHB

SirGlass

Lets say you DCA into VTI but near year end it has taken a bit of a dip. Then maybe you have other capital gains for a year Well you might be up a lot on VTI but not every single buy, you can choose what lots to sell and you can sell any lots you have with a loss You can then turn around and buy something like ITOT or SCHB what is very similar but are not counted for wash sales

jason_saver

520k is still life changing money for most people tbh. even just dumping it in VTI and forgetting about it would do more for retirement than chasing AI stocks. time in the market not timing the market

InternetSlave

Id buy VTI and I'd buy all of once. Time in the market beats timing the market. Maybe 50% now and 50% in 6 months.

Illustrious_Gift1609

That was my original intention but after the first year, the interest rate is the current rate. 2% first year, 6-7% or whatever the current rate is at the time. Thanks for the suggestion, I am leaning towards VOO or VTI over a rental property.

deepserket

The crash (which one by the way?) may take years before it comes, that's why it's not wise to disinvest everything. - 20% VTI - 20% EXUS - 20% managed futures - 10% catastrophe bonds - 10% 7-10y US treasuries - 10% gold - 10% emerging markets unhedged bonds 7-10y If the big one comes, once you're pretty sure you won't lose your job, you should be positioned to buy at a discount.

ShortHabit606

15% of a portfolio is a big ass bet no? I've heard of managed futures before. Is there an obvious best practice to start (like a VTI or VOO of managed futures)? And is there a good resource on understanding them that you found useful?

master_jeriah

I mean, that's really but necessary though. My parents pay professionals that invest and they aren't even beating VTI. If I were him, I'd skip the advice, get into market immediately, all in VTI. Then don't check for years. This is the safe route. Myself, I'm all in on Google and time will tell for me

F3_Denari

Investing is always worth it, especially starting in your teenage years. Low fee, broad ETF like $VTI or $VOO are great options for you to research.

Shadowrunner138

I agree, it's one thing to have some fraction of an automated portfolio that adds a small percentage of his stocks whether you like it or not, like VTI or something. Entirely different to be dropping direct cash in significant sums on purpose to a guy whose "heart goes out to you."

Ok_Maintenance_3122

Thanks! And yeah, the more I study the markets the more DCAing every month into VOO and VTI seems like the best (and least stressful) strategy for medium or long term horizons.

AnotherThroneAway

You're going to get a lot of answers here. The best, actual answer is: do what makes you feel most comfortable. That said, here's my 2¢: Put about 20% of it into VOO, VTI, or your index of choice—and the rest into T-bills or a core account that returns at least 3.5%. A month from now, move another 20% into index funds. If there's an irrational pullback in the meantime, consider moving more. The reason for this isn't so much to average your cost basis, as it is to give you a tiny bit more control over your eventual tax situation. It's possible that a year from now you'll want to sell some at prefereable capital gains rates, and you can then select from tax lots that have higher or lower cost basis, depending on your tax needs at the moment. Or if the market moves sideways for a while or even dips, you'lll have more options for tax loss harvesting.

HatsuneM1ku

? If you currently hold QQQ or VTI, you're forced to buy spacex because you're buying the index fund's underlying stocks. When a retail investor buys an ETF, they are still a retail investor, they don't automatically turn into a institutional investor.

sleep-Tip-3558

If QQQ or VTI owns it than that would by definition be institutional investment not retail. Also again, you're not forced to invest in anything

OxRedOx

Long term index funds, don’t worry about timing. If you can’t stop worrying then invest it in chunks but in the same things ( VTI, VT, DIA, QQQ, VTWO). If you might need some of it in the next year or two then put that amount in SGOV or BOXX because those are fixed gains with no volatility. Don’t worry about a crash imo, it could fall 10% and it would likely be a wash in two years, especially when you consider that the crash could take another year.

HatsuneM1ku

If you have QQQ or VTI then yeah you're forced to buy it

Natural_Level_7593

As a regular listener of Marketplace, I am compelled to say that the stock market is not the economy. The S&P is a good representation of the stock market because of its size, 500 companies. The Dow is a much smaller index of about 30 companies from the S&P 500 and is even more subjective. If you are looking for something that tracks the entire market go with VTI, but as an investment it typically performs slightly worse than the S&P because it is the total market with no quality screens.

Creative_Poet_9590

If you want to track the whole US stock market rather than just the S&P 500, that's what $VTI does https://investor.vanguard.com/investment-products/etfs/profile/vti

adiabatic_storm

I've always thought it interesting that risk adverse people are willing to accept a guaranteed bad outcome, instead of taking some low to moderate risk on something else that at least has a historical track record of success with an expected value much higher than the "safe" alternative. Like, yeah I get it, volatility is hard to stomach at times, especially in crashes or prolonged bear markets, but the irony is that if you stay committed to the higher volatility yet also higher expected value strategy long term, the strategy still significantly outperforms the "safe" one even after adjusting for a significant crash or correction. I mean look, if all you have to your name is $5K then there's a good argument for stashing that in an emergency fund / HYSA, but the idea of committing any real amount to money to guaranteed demise (via slow but insidious and continuous devaluation resulting from inflation) is clinically insane. You want time on your side, not the other way around. $10K invested in BND on April 10, 2007 is now worth $17,700 today. $10K invested in VTI in April 10, 2007 is now worth $71,622 today. (And that's after riding out the 2008 crash and everything else that has happened since.) The stock market could crash 70% tomorrow and you'd still have more money from the original investment in VTI than BND. Which begs the question: What's really more risky, anyways? I think we have to measure risk not just as potential for sudden downside corrections, but also in terms of opportunity cost on the way up. Those losses are just as real, you just don't see them like you do a direct loss, so it's easier to miss.

Average_TechSpec

Buy VTI/VXUS (My split is 78/22) - more US heavy.

Exquisite-Load8654

He’s trying predict winners. It’s a losing strategy long term. Buy VTI and enjoy your life.

AboutSpencer

Go the ETF route. VOO or VTI are great. Invest half now, and then DCA the other half over a fixed timeline. Weekly or monthly for 12-24 months would likely be the best approach. Look for days that are deep in the red and capitalize on it.

Jealous_Bookkeeper20

When you hold SGRT and FMTM alongside AVLV, you are mixing growth and value tilts with momentum in the same U.S. large-cap universe. Combining these factors in a 25/25/50 split effectively replicates a core index like VOO or VTI. The problem is you are paying active management fees to do it. SGRT charges 0.59% and FMTM is 0.45%. Rebuilding a total market index this way creates a massive fee drag compared to just holding VTI at 0.03%. The same issue applies to the international side. JIVE charges 0.55%. If you put 40% of your stock allocation into high-fee active funds, you are losing a significant chunk of your inheritance compounding power to management fees. On a $500k portfolio, a 0.40% average fee drag is $2k a year, which compounding over 20 years eats up over $70k of your final wealth. Are you holding these in a taxable account or a tax-advantaged one? Using short-term bonds to cushion the inheritance makes sense if you have low risk tolerance, but holding 40% in cash/bonds specifically to buy a dip usually backfires. You end up sitting on cash drag for years waiting for a crash that might not drop prices below where they are today. If you want to tilt, keep it to a 10% allocation in something like AVLV on top of a low-cost core index fund.

Outside-Prune3611

How old are you? Buy the tone of your post, I would say you’re too young for bonds and should be 100% equity. If you’re worried about risk, you can do 100% VTI to keep it simple. If you want more international exposure, maybe throw in 20% VYMI and still simple. Good luck!

PoopyisSmelly

Which is why owning VOO, VTI, or VT is a good decision. Youll own about 60% growth anyway, and if value does better you are benefitting from that.

Illustrious_Gift1609

$240,000 VTI and $160,000 VXUS. Not financial advice. But this is what a professional managed portfolio would look like. 60/40 %. Or aggressive with 80/20.

LanceX2

50K in SGOV then DCA or just Lump into VTI or VOO man.

kinnth

Buy 3 things. \- 30% real silver etf \- 60% VTI whole stock market \- 10% bitcoin

stickymeowmeow

The overwhelming advice from people on Reddit (and this thread) is to invest in an index fund like VOO or SPY. Set it and forget it. That’s about as safe as you can get in the market, and pretty much the exact advice any worthwhile financial advisor would give you. So idk what you’re trying to say. This ain’t wallstreetbets. Financial advisors very rarely outperform simply setting and forgetting with VOO/VTI/SPY/other major index funds. Most portfolios I’ve seen from financial advisors are basically just a more complicated VTI - their “magic diversification” is a split of different market sector ETFs or mutual funds that all basically add up to what you’d get with VTI. The real magic comes down to risk tolerance and knowing how much you can invest and how much you should keep in low risk things like money market. You don’t need to give someone a cut of your portfolio for the rest of your life to figure that out.

superdreamcast

If you are young, it is better to invest as soon as possible. You can always save 10 to 15 percent cash ($40,000 to $60,000) in SGOV to buy the dip on market corrections. Invest in a broad S&P500 index like VOO or VTI. You can also invest in some portions in growth and/or value ETF because they can outperform S&P500 in some years. I like SPMO for momentum factor and VTV for value factor. How aggressive you want to invest depends upon your goals and time horizon. If you throw it all into the VOO, you will make around 10 percent a year just matching the market ($40,000+). You can lump sum or DCA. Whatever gets you to start investing, do it!

Shadowrunner138

This is on top of VTI, VTO, VEA, VIG and their tax lost harvesting equivalents/alternatives in Wealthfront's automated account, set at maximum risk level, their automated bond fund, and an automated roth. Wealthfront automates tax lost harvesting and generates significantly more than their fees.

Narkanin

There’s no timing the market. Since you’ve established your timeline is long term (assuming 10+ years here) then your best bet is to stay really simple with most of your money. Something like a VTI/VXUS split or equivalent. If you’re worried about a drop soon, then set up automatic buys to spread it out over the next year or whatever feels good to you and just check in on it every so often to make sure all so as it should be. Whatever you decide, make sure it feels good to you. Because whatever happens, you’re the only one responsible. A small amount of research will tell you what most financial planners will tell you, but if you’re really not comfortable with any of this, then you can also hire someone.

SirGlass

VTI and schb are basically the same thing. If you are 100% invested in those it's not very conservative. Both are pretty risk on assets

Tight-Relative-4093

Hi all, new to Reddit. I’m currently investing rather conservative and was wanting some insight on how to improve. I’m 31, with a ROTH through work which is a blended fund. I contribute 10% while my employer contributes 9%, which has done well. I currently have around $63k in a separate brokerage account with \~ 80% in VTI ($287.54 cost average) and \~ 20% in SCHB ($22.48 cost average). My question is should I look into diversifying with individual stocks or look into different ETFs? My approach has been very conservative up to this point and I’d like to add a little risk to it. Thanks!

ZEALOUS_RHINO

At the end of the day VTI and VOO have an 88% overlap in market cap so their fates are tied together. Even the other 12% is pretty highly correlated with large cap. So in a drawdown they will both get hit hard there is no hiding from that. At the end of the day, more diversification has its benefits. Owning literally everything in a market weighted fund is a beautiful way to be totally neutral to the market.

Flayum

Thanks. Do you think this is because the nature of PE and investment has changed in the last decade+ or could it be a result of the 15yr+ bull market? A concern I would have is a recession affecting the large caps harder than others, causing an even larger drawdown in VOO vs VTI.

Succulent_Rain

What catalyst are you waiting for? Since the stock is flat, why not unload some of it now, then wait for the stock market to crash before you buy some VTI?

thebiglebowskiisfine

I had a very similar windfall. I'm still holding the stock and retired at 51. Stock has been flat for several years, the tax bill is going to be several million. If I were you I'd come up with a schedule and start unloading DCA style. I'm waiting for a few catalyst and then I will reduce the position by about 80% into VTI.

Flayum

Why VOO instead of VTI or VT?

nachoman_69

If you have a total stock market index fund, like VTI or VTSAX, you're one of those people lol, and if you have an index fund of the nasdaq100 you're one of those people like 5x as much.

Top-Classroom3984

I do. Mostly VOO and VTI.

robocarl

I switched from VTI to VOO to avoid this mess

Inevitable-Lychee572

First investment ever, am I on the right track? - 40% in VTI, 30% in VXUS, 30% in SCHD I’m 28 and finally teaching myself how to invest. I’m currently a grad student and don’t have a ton of money but am hoping to invest a chunk, set up small monthly deposits, set the dividends to be automatically reinvested, and then leave the account alone. I want to do this with a Roth IRA and also a brokerage account that I can access before retirement. This is my first time, so please be nice if I’m totally off base. I’m excited to be learning how this all works!