VTI

Detail4

Just buy VOO or VT/VTI and chill rather than looking around for some crazy play. Then someday when you have a nice pile of money you can add individual stocks with money that won’t hurt to lose.

clock_skew

S&P 500 is definitely more popular but there are plenty of VT/VTI investors. And since S&P 500 is ~90% of the US total market and highly correlated with the total market I don’t think you can say total market investing makes zero sense if you invest in the S&P.

polyiizm

I bought the beat the top. Down a good amount. Part of the game. VTI and QQQ are safe almost guaranteed bets. But if you wanna risk more gotta deal with this shit. No1 knows if it will recover or not. You gotta have your own risk management. You were fine with your were in the green but now you can’t handle the red. If you sell and it goes up then what?

OddBottle8064

VXUS has vastly lower valuation than VTI, which historically resulted in superior future returns.

wahiwahiwahoho

Is now a good time to get into AMD or Nvidia? I’ve always watched from the sidelines and only invested in VTI but I’m thinking to grab up some shares… not sure which

Jamal_Ginsburg

VOO or VTI and leave it alone.

HistoricalRock7146

YOLO it all on BYND calls and then post your loss porn. That, my friend, is the way. (Jokes aside - my advice would be to split the 70K into 10 7K investments. Put 5 x 7Ks into individual stocks like NVDA, Google, AMZN, RDDT and RKLB. Put 3 x 7Ks into ETFs like VTI, VGT, VUG. Put 2 x 7Ks into dividend stocks. Then leave it for a few years and check back in 2028 for some sweet sweet gains.

pitline810

VTI until you've educated yourself enough to throw it all away on options

mmspider

I would do 20% VXUS 80% VTI. So its not like I would go all in. I just believe we are moving to a world that will see international doing better than before.

Koopa-Love

And China BABA, BIDU and XPEV are green. Gonna buy 30% and 70% on this sale, to "balance" or maybe judt 70%VOO and 30% VTI for real balance

ConcentrateOk523

From 2000-2010 it was early in my investing career and I did not earn big money. I watched my portfolio decline and VXUS did not really help it. Then from July 2016 to today I went from 1.1 million to 3 million and it was not due to VXUS. It was due to VTI. I would have over 4 million if I was 100 percent VTI and that is a fact!

KingJSlime007

i’ll definitely invest in VTI i want to slow down a little with investing also with PRLD it hit breakeven but its backdown anything under 2.5 is probably where i’ll call it

cofonseca

Do not waste your money on this shit. Put your money into a good ETF like VGT, VOO, VTI, or VT. Add more to it every time you get paid. Keep that up for 30 years and you'll have a nice fat stack of cash to retire with. You should also ditch that bank and switch to one that offers a high-yield savings account. Ally is popular and gives 3.4% right now.

Nac_Lac

That is assuming that every dollar spent has the same impact. You can do more with $5 million than $5. Everyone is not being given the same amount, despite sorted by market cap. If the companies invested the money and did nothing with it, the compound interest rates would be the same and they would rise by the same percentage. However, this again doesn't account for the idea that quantity has a quality of it's own. When the top company is getting billions more, they can have some of that money grow by itself in addition to using the rest for capex or other ventures. A small company can't accelerate growth under a VTI portfolio and a big company can't lose ground with it. Idk what I'm trying to say here but the fundamental point is that (as far as I know) bogleheads do not have a singular risk profile. Even if we shifted to all bogleheads, VTI would not be the only fund being bought.

clock_skew

They contain 36% Mag7 because that’s the market cap of those companies. Investing in VTI does not cause Mag7 stocks to grow faster than other stocks in VTI. If we’re imagining a world where everyone is a boglehead then I think it’s safe to assume that people are investing in VTI, since that’s the most purpose fund for bogleheads.

clock_skew

VTI and FSKAX contain almost the entirety of the US market (of publicly traded companies).

eggplanthead123

One of the only few years to have good returns compared to VTI.. doesn’t make up for the other years when it didn’t do so well

Kitchen_Catch3183

I buy VOO and not VTI because I don’t want the garbage.

theduderino38

I put in a higher (above $500- if it peaks with another rate cut) sell order for my remaining Tesla shares in my IRA- I’m done holding them. EV tax credits gone, ai bots rampant on X, vaporware autonomous robots and vehicles. No one is going to trust his autonomous anything….. I might buy some GTI with proceeds , or maybe just VTI and chill.

DaemonTargaryen2024

Is VTI "just shitty companies"?

SirGlass

Its just because foreign has not performed well or as well as USA companies, its recency bias . Back in 2007 when foreign was outperforming USA people were asking the same questions "Why invest in USA at all when foreign out performs" Is TSMC a shitty company ? ASML, Samsung, Sony , Toyota ? The average PE of VXUS is something 16.91 where as VTI is nearing 30 Does that mean anything , well not in a box alone it does not but its is interesting to look at the disparity between the two.

AdamGSMA

VOO and VTI ETFs are solid choices. You can also invest in higher growth funds like VUG or SCHG.

GurDry5336

I own Tesla through VTI but would never own it as an individual stock. It’s a shitty car company pumped up by lies and is basically propped up by a cult of individual investors. None of his pie in the sky bullshit about robots and robo-taxis will save his sorry ass in the end.

Esoteric_Innovations

VTI is where I'll go once I reach my investment goals and have north of a million one day. Has an average annual return of around 8-11% over more than forty years. 3% Rule is essentially if you can live off of 3% or less of your total accumulated assets per year, then you can basically make it last forever since the average annual return on the stock market index funds is around 4% (i.e. your returns would almost always exceed your annual expenses) With VTI's average annual return, you'd have even more breathing room. Only other one that has my interest at this point in time is JEPI, but I'm much more comfortable with VTI.

KingJSlime007

Yeah it’s all a learning process it’s a lot mental too. I’ll check out FIRE i’ve wanted to find a stable place to start but it’s hard when it’s a bunch of different options out there. This may sound cliche but at my age isn’t VTI a slower pace etf should i be looking at more aggressive ones? And i’ll do my part and watch the stock thank you for the heads up once again

clingbat

I literally just gave a conference talk at DCD on these challenges earlier this week, it's not going nearly as fast as you'd hope and we're working with utilities to try to streamline their processes but it's a slog. This is my day to day, dealing with all this shit. If/when I move our funds it's just going to be shifting to something broader like VT with some built in international exposure and less direct tech exposure so the slump doesn't hit as hard, and/or something like VTI if I don't have a VT like option in the 401ks. I don't think anyone will be escaping completely unscathed, but hopefully it doesn't take basically 15 years for the SP500 to break even though like it did 1999-2014 (not factoring in inflation even).

Solid-Monitor6548

That’s a respectable amount. I’d just caution against making sudden, emotionally driven changes. Plenty of investors have sold too early under the assumption that prices couldn’t possibly go higher — only to end up watching from the sidelines while others ride an extended wave of free money. The concerns you raise are valid. But given the scale of capital pouring into energy infrastructure, it’s hard to imagine these bottlenecks remaining unsolved for long. The financial and geopolitical incentives are simply too strong to leave our power constraints unaddressed. 15.1m as of close - MSFT, MU, NVDA, GOOGL, and VTI

eggplanthead123

Do you recommend I sell my VXUS and just do 100% VTI?

CoRifleman

I made a few bucks on JCI earnings and parked that investment in UNH and rebought into SPXC also.  Very long on it, trying to figure out a long term hold other than VTI, ha. (Too heavy in tech, like everyone else.)

Various_Couple_764

Instead of SCHD I would go with QQQI. Many like SCHD for its growth and it also adds a little bi to sweetness from its dividend. VTI and VT are better for growth. leaving just the dividend which is small. QQQI has a dividend yield of about 13% about 3 times. higher. Eventually QQQI will produce more the 7000 a yard of income. As much or more than your yearly deposit into the roth. The dividends have no effect on the depoist limit. And ther is no limit on the ammount of dividend cash flow into the Roth acount. The ammount of money you need invested to $7000 in dividends is : QQQI 54K. VTI 614K. VT 414K. You can see it takes a lot less money in the to get a lot of dividend from QQQI compared to the other 2. Most of the growth during the firs 15 years comes from the money flow into the account. Not the growth from your growth funds. I would put all of your deposits into QQQI for the first 5 years to get it to produce 7000 a year. then use the dividends and your yearly deposits to build the other two funds as well as QQQI and any other dividend or growth funds you might like. fund you might like. I am nearing retirement and my right now gets 30K of dividends a year plus you have 7000 deposit limit for a total inflow of 37K a year. If you just used VT and VTI it would take a lot longer to get to 37K of cash inflow a year without QQQI.

SirGlass

Note I agree VTI holds mid cap and small cap and Real Estate , and if you own your home you also have RE exposure Bonds I also agree with especially as you near retirement and derisk

Esoteric_Innovations

Yeah. I know the feeling. When you're up - it can give you that high of adrenaline because your investment is paying off. When you're down, it can get in your head. Only thing I'd suggest for the long-term is to look into the FIRE Community (that's "Financial Independence and Retiring Early) and the 3% Rule. The latter is basically my own retirement plan since I have no intention on relying on social security. Following that, I'd highly suggest checking out VTI for ETFs. A lot of my own retirement money is going to go into that one when the time comes. Side Note, since you got in with me on PRLD today and we're both down. I'd say keep an eye on the 1.2 to 1.3 levels. That might be our exit point on a loss if it doesn't turn around. I'll let you know if I sell in the coming days.

TestingLifeThrow1z

Remove SCHD, young people don't need dividends unless there's a large sum of money you can invest in. Dividends are immediate income and not growth focused. VTI and FXAIX are overlapped for the SandP500. 40% VTI, 30% VXUS, 20% QQQM.

Professional-Cow3403

Who's the "so many people of Reddit"? From what I've seen plenty of people buy either the most popular/MAG7 stocks, or just VTI/SPY/QQQ. They're up a lot compared to the expected % of an average year. If you bought more risky/speculative stocks (e.g. AI related), then you're just lucky that they went up; they might have as well gone down. It's easy to say "it was logical to buy" in hindsigh. (E.g. AMD was flat from end of 2021 to 2024; then it broke ATH only recently, after over 1.5 years, after the OpenAI deal). The April dip could have kept going down. OpenAI's and Nvidia's promises and circular investments could have ended differently. If you're up a lot, most of it can be considered risk premium.

LanceX2

I buy VTI and VGT only. Savings in SGOV.

StatisticalMan

One belief is simply market weight in which case the US is 62% (note 62% not 72%) and thus to avoid trying to beat the market you just do that. However if you felt that was too much you could use an ex-us index fund like VXUS. 50% VTI (us) and 50% VXUS (ex-us).

Business-Ad-5344

bernie madoff was a fiduciary and t rowe price had fiduciary duty. they ripped people off. t rowe price ripped people off and got fined for it. just like many other fiduciaries. they get investigated and it is found that they are scamming people. chase got caught doing that recently. schwab got caught. their robo-advisor was allocating to benefit Schwab's revenues over the Customer. annuities are NOT the way to go. those are going to be eaten up by fees and you're going to lose a lot of money. There's a high chance of getting straight-up scammed. they should get part HYSA, part VTI or VT. they should get a rice and beans diet, visit r/frugal regularly. and since they are 54 and not 74, they shouldn't give up on getting a WFH job. they should continue that route, and even grind and pivot into another field. It can take years to get a small business up and running such as teaching english online, or getting the right education/certs.

WestTexasCrude

Diversify=Insurance vs massive premium loss. Traditionally at 54 you would be 55% bonds. 45% stocks. This has not been a great strategy since the big bull runs of the 21st century however. Many would recommend $VTI (Entire World Stock market Index ETF), but I would recommend $VOO (USA Megacaps). Then you could add $BND which is USA Treasuries. With falling interest rates prices will be rising. A very conservative portfolioa oomph (perhaps overly conservative) would be a 2 ETF portfolio of: - $VOO @45% of principal - $BND @55% of principal More modern would shift toward higher % in VOO. Good luck.

SirGlass

Whats the purpose of opening another brokerage ? VBIAX is a good fund its a mix of 60% equities and 40% bonds so it will be safer then VTI but it can still fluctuate in value and lose value It depends on your risk tolerance

Wtf_Sai_Official

Honestly the best advice is just buy VTI and chill. Stop trying to beat the market

ConcentrateOk523

My biggest regret is owning small cap value, international stocks and bonds. Just own VTI or VOO.

SirGlass

I had you in the first part. Under no circumstances would I need 50k unexpectedly. However no, if something risky like VTI , what is not conservative goes down, it won't bring ultra short term government bonds down as well.

MichiganCarNut

I will never understand having a large sum sitting around for a emergency, for an average person. Most of us can wait t+1 to get our hands on 50k. I keep a couple thousand in checking in case I need cash that day. If you're worried about your 50k taking a prolonged catastrophic dip in something like VTI... chances are your cash is taking a ride with it. Your cash isn't immune to whatever is causing the crash

Dr_Mantis_Trafalgar

Dumped another large sum into VTI today

Beitasitmaybe

I started building up DIVO IDVO QDVO BTCI so that I will just sell my VTI VXUS later on to buy more of all of that. At retirement, i intend to have distributions equalling $20K a month and $5K a quarter. Or maybe I’ll dip out at half that. We’ll see.

Machine8851

I dont invest in VXUS because international funds have a long history of underperforming domestic stocks. Even today with tech down big, VXUS performed worse than VOO and VTI.

Cracked_Tendies

Because **ALL** of VTI's outperformance vs VXUS can be attributed to revaluation alpha, which is merely a transient event... Meaning will not happen again unless the inverse happens first When you compare what's called 'structural returns' VTI and VXUS have had equal performance. This means that they are both equally likely to outperform each other going forward. Oh and if mean reversion happens, then VXUS is gonna blow VTI out the water

etaoin314

vxus has outpaced VTI over certain periods, so Diversification is a good thing here, however I think most people would still choose a US tilt given the propensity to overperform. VXUS is not very tax efficient so keeping it in tax advantaged accounts is probably the way to go. Either way I dont think there is a right or wrong answer. If you think the US will keep outperforming then go that way, if you think there is a good chance that xUS will be safe haven, go that route.

SirGlass

>Even John bogle and the legendary Warren buffet recommend simply investing in the S&P and avoiding international. I always ask this set of questions when this comes up Why invest in VTI instead of VOO when the last 20 years VOO has better returns why invest in VOO and not a tech fund like QQQ or SCHG when they have better returns then VOO why invest in QQQ and not just the Mag 7 as they have better returns why invest in the mag 7 and not just go 100% NVDA since it had the best return?

Due_Car_5466

You need to stop picking sectors on past performance. Just buy VT or VTI + VXUS and let the market pick the winners for you. You are young, there is no need to add speculation to a portfolio that will make you rich over 40 years. Good luck!

big_deal

Yes, 50% VOO/VTI and 50% Target Date would be a reasonable moderately aggressive allocation.

Soulofmine7

Thanks so much so basically 50% in VOO or VTI?

greytoc

That's really up to you. If you want to reduce small cap exposure but have mid-cap exposure - you can always use VOO instead of VTI and something like MDY or IVOO.

landon1430

I am a young, risk-on investor looking to maximize long-term growth while maintaining balanced exposure. I am pretty confident on my allocations but have two questions. 55% VTI 10% AVUV 10% FTEC 10% VEA 10% VWO 5% IBIT 1. Should I swap VTI for VOO to flush out the small-cap growth? Or does VTI provide better diversified exposure for the long haul (i.e. mid-caps)? 2. Increase AVUV to 15% by decreasing 55% -> 50%? Seems like small-cap value is best bet for my long-term goals, but the recent extended underperformance is daunting. Regardless, what's the best balance? The answer could depend on whether VTI or VOO is selected. Any thoughts much appreciated. Thanks in advance.

Ev1l_ov3rLoAD

Curious what's wrong with ARKK? I was looking at the past 10 year performance and it beat S and P. I also liked its holding list. Isn't VTI the same as s and p? VXUS had really poor performance compared to s and p

GeneralStudy8636

Thanks man. I appreciate it. May I ask what you hold? Is it just VTI + VXUS or just VT?

therealjerseytom

I'd skip the gold, crypto, and ARKK entirely. Keep it simple with just VT, or VTI + VXUS or something The amount you can save and put away will make vastly more difference over your first 5-10 years, than any of this farting around to two decimal places with how much of SCHG or QQQ you do. Side note, QQQ is *not* "tech."

MountainMistCalm

Ah, the classic Reddit Pokemon portfolio: Gotta Catch 'Em All! >20% gold (Safe heaven) Why concern yourself with safety when you are 24yo, focus on capital growth instead. >25% bitcoin + Ethereum  I don't consider these investments, they are highly speculative gambles. Ideally this category would be 0% but if you must allocate to them I would limit my exposure to no more than 10%. >ARKK (Innovation) ->9.98% I can't believe I keep seeing ARKK show up again in these posts. "fool me once, shame on you; fool me twice, shame on me" If I was in your shoes I would just do VTI and VXUS. This is a global portfolio that includes large caps stocks (like those in the S&P 500), mid and small cap stocks, growth and value stocks, dividend stocks, tech stocks, and international stocks. All that to say you would not need to add any other fund.  When I was younger I wasted a lot of time picking investments and trying to build a complicated portfolio thinking it would help. What I failed to realize sooner was HOW MUCH I INVESTED was more important than WHAT I INVESTED IN. I wish I would have focused my energy in improving my income, rather than focusing too much energy in picking investments. [https://www.getrichslowly.org/building-wealth/](https://www.getrichslowly.org/building-wealth/)

kazzin8

Single stocks are much more risky. If I were you, I'd go for an index fund like VT (all world stocks) or VTI (all US stocks). Check out the guide on r/personalfinance to make sure you're setting yourself up with the right accounts and cushion before investing.

RustyCrusty10

Honestly, if you’re just starting out and want to make your leftover money work for you long-term, here’s a simple approach: 1. Emergency Fund First – Make sure you have 3–6 months of expenses saved somewhere safe (high-yield savings or money market). That way you don’t have to sell investments if something unexpected happens. 2. Retirement Accounts – If you have access to a 401(k) with matching, max the match first. If not, an IRA (Roth if you qualify) is a great start. Long-term tax-free growth is huge. 3. Investing Your Leftover Money – For someone in your situation: • ETFs or Index Funds like S&P 500 (VOO, SPY) or total market (VTI) are low-maintenance, diversified, and historically strong long-term. • Dividend Stocks (like your dad suggested with GE) can provide some income and potential growth. But don’t bet everything on a single company—diversification is key. • If you want some growth + fun, you can pick 1–2 individual stocks, but keep it a small percentage of your portfolio. 4. Rule of Thumb – Don’t spend leftover money impulsively. Consider auto-transferring it into a brokerage account or retirement account right after payday—out of sight, out of mind. So in short: build your safety net, max retirement benefits, and then invest in broad market ETFs first. Individual stocks like GE can be a small portion of your portfolio, but don’t make them your whole strategy.

MountainMistCalm

Personally if I was in your shoes I would do: 80% VTI and 20% VXUS This is a global portfolio that includes large caps stocks (like those in the S&P 500), mid and small cap stocks, growth and value stocks, dividend stocks, tech stocks, international stocks and bonds. All that to say you would not need to add any other fund.  It is basically a three fund portfolio minus the bond fund, I will allocate to bonds when I am closer to retirement. Money management tips: [https://www.reddit.com/r/personalfinance/wiki/commontopics/](https://www.reddit.com/r/personalfinance/wiki/commontopics/) When I was younger I wasted a lot of time picking investments and trying to build a complicated portfolio thinking it would help. What I failed to realize sooner was HOW MUCH I INVESTED was more important than WHAT I INVESTED IN. I wish I would have focused my energy in improving my income, rather than focusing too much energy in picking investments. [https://www.getrichslowly.org/building-wealth/](https://www.getrichslowly.org/building-wealth/)

PaleontologistOne919

You don’t know what you’re talking about G. VTI and chill !remindme 4 years

SellNoCell

Do you hold SPY, VTI, VOO, FZROX (or anything thousand of similar S&P500 or US total stock market indexes)? If so you are invested in PLTR.

LeftTesticleOfGreatn

Pretending it isn't a bubble is like biting a pets.com T-shirt to celebrate your new investement. It is a bubble, companies are trading money that doesn't exist to inflate each other's value... However the market can and will remain irrational for a long time, especially with this level of *rampant and open corruption*. When the US presidency and by proxy the *whole justice system is bought and paid for* you can expect the gift to keep going for a good while before the inevitable *rug pull*. VTI because there's no other choice. I'm not Buffet, I can't sit on the sidelines. I have to buy even if I know it's a trap...because I can't time the exit.

JesuslovedPLTR

VTI, a total US stock market index up 20% in the last year. PLTR up 400%. So much for that everything goes up in a bubble.

aew2019

VTI and VXUS to the fucking moon. Diamond hands, boizzzzz.

trustfundkidotaku

That the point if u hold etf like GLD IWM VTI SPY That always end up breaking new high U always ended up able to get out Is just how long Basically trading losing money on cut losses to bag holding Will it outperform buy and hold ? Probably not but if u need income or reinvest it might be a good deal

Plenty_Can_2190

If you’d rather not look at your portfolio, you should probably go with VTI or VOO and not a penny stock

admu_throwaway

SCHD – 22.8% VWRA – 22.6% SHLD – 13.4% XLP – 12.2% BMRN – 11.1% VTI – 9.1% QQQ – 8.7% This is my attempt to reduce AI exposure to protect against a potential bubble.

DudeManJones5

High yield savings accounts for the accessible 20k and broad market ETF (VTI, VOO) for the rest of

GurDry5336

If your investment time horizon is long enough and you’re happy with average market returns then the obvious answer is to buy low cost index funds such as VT VTI/ VXUS or VOO. You just buy and hold through think and thin. The eventual downturns are just opportunities to accumulate more shares at lower prices. Now “average market returns” aren’t really average at all for most individual investors because they don’t do what I just said. They generally panic sell and drive down their average returns by several percent. Or think they can time the market and destroy their time in the market. It’s a losing game to chase returns. That’s a fact that’s born out in the statistics.

Outrageous_Tip_2133

40% VTI 30% VUG 20% BRK 5% Bitcoin 5% GLD Overall, a very passive portfolio. I almost never sell, just buy with every paycheck.

ditka

VMFXX is likely the "default" investment choice for your account You need to log in to your Vanguard account and change the investment fund for your existing $$ I don't know what your time horizon/age/risk tolerance is, so I can't advise you for *which* fund you should invest into. Perhaps something like VT or VTI. Or a balanced fund like VBIAX. https://www.reddit.com/r/Bogleheads/

InjuryEmbarrassed532

VTI or relegation to wage slavery until 90.

ElatedRacism

All in VTI isn't even conservative, you'll still be 100% equities.

fakemedicines

VTI if conservative, throw some more tech exposure (QQQ etc) if you believe it will stay strong.

amg-rx7

Just dollar cost average every month into VOO or VTI. KISS.

cheddarben

The market is like a game of no-limit texas hold em. Based on the cards you are dealt, you have choices to make. Not only how to play that hand, but how to manage your entire bank. Let's say a person gets dealt a pair of aces. You can play that too conservatively AND you can play that to aggressively. For that hand, it might work out good for you. I tell you what, though... if you always go all in on a pair of bullets, you probably are going to lose empty handed. Similarly, if you never aggress on that pair of bullets, you are going to lose hands you could have won. Try and know what is knowable. Know the odds. Know your odds. Understand that effin luck will *always* be part of the game. Pot management is crucial. My biggest individual stock right now is RDDT. I placed a bet. I pulled some of my money off the table and now I am playing with "the house's" money. I mean, its mine, but only from winning already. I understand that I have risk with this individual equity. I also understand there is risk from the tech sector and from the general macro environment. Not matter how much I think RDDT is a good company with great value in the future, it still has massive risk from things that are completely outside of RDDT. An alternative is to not sit down at the table. VTI or VOO or whatever and chill while you DCA. No hate in that game. Arguably (and probably) a better game to play. While I have money in individual stocks, this is a big part of what I do. If you are going to start doing anything else, however, just know you are sitting down at a game of cards where you can get hosed for any number of reasons. Place your bets accordingly.

DaCouponNinja

The stocks to “keep your eyes on” are always changing depending on your time horizon and risk tolerance, and what’s going on in the world. This time last year you weren’t hearing much about rare earth metals but if you had some of those mining companies this last month you were doing great. Chasing a trend by watching TikTok or asking reddit is a great way to lose all your money, especially if you don’t have a lot of experience to discern good advice versus someone talking their book. By the time a “hot” stock makes it to those places it’s probably already had its big move. Not to be a party pooper but a broad based index fund like VTI is usually a good bet if you believe the market will go up over time. It’s not sexy but it gets the job done. If you really want to try your hand at active trading maybe buy one share of something interesting or fractional shares that some brokers offer. Learn to do research, watch the market, understand how things like earnings, volume and volatility affect price action. Also, don’t trade with money you can’t afford to lose. Because contrary to what we’ve seen these past few years, the market doesn’t always go up. I’ve been trading since the late 90s and know that it only a matter of time before we have a correction

Solid_Delivery_5675

Honestly: if you’re in it for the long haul, a big upfront in VTI and then a steady weekly add is solid. Here’s a simple framework you can steal: - Do the 50k upfront, then auto 1k a week. That keeps you in the market without trying to time it. - If you want a tweak, consider slightly dialing back the upfront to 40k and boost the weekly to 1.5k for the first year. That can smooth some volatility and still give you good dollar cost averaging. - Rebalance annually to keep your target mix. If VTI is your core, a 80/20 or 90/10 stock/bond split as you approach, say, 5-10 years from retirement could help. - Think fees and tax efficiency. Use a low-cost broker and a tax-friendly account if possible. If you’re comfortable with a simple split, I’d do 50k now, then 1k/wk forever. You’ll still catch gains if the market dips, and you’re not chasing returns. And yeah, I’m not your financial advisor, but seems like a clean plan for most folks in a 60/40 or stock-heavy setup. I wrote about general investing vibes on my site if you want more reads.

happy_snowy_owl

I'll never cease to be amazed at questions like this... No, you should not leverage a HELOC to invest into a stock index. What you should do (and should have done) is treat your brokerage like your savings account with a mix of stocks, tax-advantaged intermediate bond funds, and short-term cash. Many people advocate percentages but I like to put the short-term reserves in terms of real dollars. So in your case, I'd be something like $20k into VMFXX, $60k into VTI, and $20k into VTEB. Adjust accordingly for your risk tolerance.

Cracked_Tendies

By all measures of valuation, VTI has gotten at least 2.5 times more expensive than VXUS since 2011. Not to mention the dollar rally of about 30% since then as well. It's an exciting time to be invested into int'l if you believe a mean reversion is possible. Valuations have been steady relative to each other for the past year. My 401k is 100% VXUS and I sleep fine

panconquesofrito

I don’t have a 401k, laid off, but I I did maxed out my IRA. VTI and a small GLD position.

Competitive-Debt-770

Yup I’m continuing with the same plan. VTI, QQQM, IBIT, QQQI, SGOV (savings)

StrebLab

Second VTI. VOO is fine too, but VTI is slightly more diversified

ElatedRacism

VTI and chill. Or dump 2k into SOFI every month.

ozeml

Just questions for you: How have your returns compared to the relevant index and to S&P500? Be realistic, do you know better than the market? If so, then time. The vast majority do not know **when** a correction/crash will occur. One classic example: Greenspan's "Irrational exuberance" comment was in 1996 and 3+ years later and \~5xNasdaq. So if you accept you do not know, then take at least 50% cash and put in a mix of stupid, long term boring and just keep dollar cost averaging (QQQ, Brk.b, VTI, VB, International)???.

Detail4

For people starting out I’d do SPY or VT/VTI until they have $100k+ in the market. There’s no need to diversify more than that in stocks. Of course prior to investing in stocks one should try to build up a 3-6 month worth of expenses emergency fund. I’ve bought and held quite a few individual stocks that have done great (NFLX, NVDA, MSFT, AAPL) long term and I think it’s worth trying just not until you have a strong foundation

fergy014

To add to this, I started investing 8ish years ago. I was worried about the market correcting or crashing however I stuck to the advice of dollar cost averaging and buying VTI. While I did go through the covid crash without being able to capitalize on it, I am glad I started investigating as I have 80k in my personal accounts. So, OP just invest if you have the money and slowly add to it!

StatisticalMan

There is more to "the market" than the S&P500. What is the longest period for recovery of a portfolio of 50% VTI, 30% VXUS, and 20% intermediate treasuries?

tcote2001

Put new money into an ETF. Slowly move some Apple shares over. Maybe 3% a month. If you want to “diversify” but stay tech heavy then maybe an initial 20% of APPLE moved to VGT. Then 3% a month to VTI.

Nicedumplings

The goal of the market is to always be at an all time high - that’s literally the point. Do you think that Apple will never be higher? Do you think VOO and VTI have reached their forever max? The answer of course is no, invest for long term and ignore the short term

gmenez97

No because a lot of your ETFs overlap with one another. Look at expense ratios as well. All you need is VTI as your core for US market. If you want to tech tilt ad a slice of a tech ETF like QQQM.

OneFunny6459

Invest a fraction every week in solid ETFs like SPY, QQQ, VTI, etc. Over your lifetime you'll come ahead

bplturner

If you want to actually invest, then buy Vanguard Total Market (VTI) every month with as much money as you can afford to invest. You're mixing trading and investing. Trading is gambling with more steps.

JipFozzy

Lmao I never said having access to earnings reports is a new thing nor did I say you need to be a genius to beat the market I’m up another 30k in the past few days? How’s your VTI looking?

JipFozzy

Where were you when they were on sale? Buying VTI? Lmao

LanceX2

You are 20. EVERY dollar you invest is worth 88 dollars in 45 years at market average growth. dude. 1000 = 88,000 in 45 years. Just invest. Buy VTI

Aerzon_

VT, not VTI

Awkward-Painter-2024

Dude... just autoinvest $50/week into VT or VTI or ITOT or VOO and go live your life.