VTI

Apart-Selection5680

$200K per year; 30% VTI, 30% VOO, 20% VUG, 20% VXUS.

Newbiewhitekicks

Unfortunately that’s not how that works at all. If there was a way to catch up, then everyone would be doing it. You’re doing more harm than good though by trying to gamble and not just buying VTI/VXUS and forgetting the password. The only meaningful difference you can make is by bringing in more money. Do everything you can to increase your deposits.

BarefootMarauder

You should be up a lot more than .65 cents since May. Are you paying fees to someone? Investing is a long term game. Put it all in VTI, then keep putting more in each month (on auto-pilot), then forget about it.

DickMcCheese

If you invested heavy in tech in May it’s been somewhat stagnant since then. If you’d invested in VOO, VTI, and/or and S&P stock check the gains from May until now. You’d be up $60.

Crispirolls

The market has been kind of down/flat for the last month. When the market starts going up (or down), you'll start seeing it. The first \~10k was super slow for me as well, but then again I started investing when the market was crashing at the start of covid. I was in the red for quite a while, but eventually when the market recovered, I've been in the green since. Just have to keep going at it and being consistent. Don't be discouraged. I keep it simple with VTI/VXUS.

mdn845

While I agree that not much beats VTI, I do think OP’s investments are sound. Particularly like the AVGE. It’s just that you can’t judge whether you’ve made the right investment choices over such a short period of time. That’s what it comes down to.

Action_Connect

Time is your friend. Don't look at it. Set up auto deposit/investment on a monthly basis. I recommend just buying VTI or VOO for now.

danieltheg

Just VTI and chill dude

Retired-Yam8988

Our income varies but has grown a great deal since Covid. We retired in 2022 and during 2020-2022 we reinvested into real estate and rejiggered our portfolios for income focus. Our base living expenses (in Thailand) are 2500 a month. 5 bedroom villa near the beach is paid off. This gets us 2 hour massages every week, gym memberships at the 5 star hotel around the corner from us, yoga membership, all utilities and groceries, as well as Michelin listed restaurants a couple times a week. Throw in our travel and healthcare spend (we go to Singapore every quarter for medical checkups and procedures on top of traveling for fun) which averages out to about 10k-15k a month. Our income is significantly higher than this - our business still earns us about 70-80k a month. Rentals bring another 14k before expenses and taxes. Passive yield from brokerages is about 20-25k a month. Options trading income varies but on average another 20-30k a month. After expenses on the real estate and our living costs, we still have taxes to pay which amount to about 250k a year which is a total bummer as I pay them quarterly and another 10k in property taxes a year. So we’re left with about 100-110k a month that gets reinvested. Most of this is automatically invested into a basket of funds like VTI and VOO that just keeps buying. A portion sits in cash as I always have a some kind of tax payment or other payment due (usually about 250-350k in cash). I trade options on everything - cash on hand and the equities and ETFs we own. Very low percentage chance to actually get assigned since they’re very out of the money but they make a solid 2-3% a month so why not. Max out 401k and IRA of course. This year will take advantage of FEIE and FHC since we will spend less than 35 days in the US so that will avoid some tax there too (maybe 90k in savings according to Claude).

MediumSpecial308

Currently 20k-30k per month except for months that I have to pay property taxes or income taxes. VTI/VXUS 50-70% ABCL 5% SGOV 10-40% Depending on how much VTI and VXUS I want to buy.

shawman123

I dont think everthing is priced to perfection. May be AI and related stocks could be. That to in small/mid cap. I dont think NVDA or GOOG or AMZN are priced like that. If you are not sure about individual stocks, just put it in VTI or VOO or something related.

PortfolioNerd

VT and a 65/35 VTI plus VXUS split are almost the same portfolio. VT is the single fund that already holds roughly that world mix and rebalances inside the fund, so you never have to. The split only helps if you want to set your own US versus international target and keep it there. If you split, write the target down and only trade when one side is about 5 points off, and use new contributions before you sell. In a Roth there is no tax cost either way, so the only real difference is a tiny bit of hassle. DIY is enough here: pick one approach, automate the contribution, and stop revisiting the ratio every time someone posts a new one.

Playful_Falcon3377

About 5-10K weekly depending on expenses into taxable account, all VTI/VXUS. 401K maxed for myself and my partner and in target date funds for now

Training_Baker_4758

Diversifying into gold and crypto doesn't make a portfolio safer, it just adds stuff that pays you nothing. VTI is already a few thousand companies, that IS the diversification. If you want real estate exposure buy VNQ instead of convincing yourself a rental is an asset class, it's a second job with a mortgage.

keftih

I'm 60/40 in US/international. Of my US allocation, I'm half in DFUS and half in FNDX. DFUS because they typically wait much longer than VTI before including IPOs FNDX to capture some value as well as reduce concentration in certain companies

Old_Stable3308

Roth QQQM AVUV Taxable VTI VXUS 401K FXAIX VSCIX See yall in 15 years

NoGap1566

VT and chill, honestly. The VTI+VXUS split only matters if you want to tilt US vs international yourself — otherwise VT does it for you and it's one less thing to rebalance. At your age simplicity beats optimization.

lambdasintheoutfield

That doesn’t scale well. I can slave away at my job quietly stacking QQQI, SCHD and VTI OR I can learn to trade options myself effectively. I have far more control over my *own* CCs vs someone else’s. I have the mathematical background and discipline to calibrate my risk-reward profile and have had some success with futures already but want to explore options. As I get better, I can try trading with lower DTEs and eventually w/margin

JawnZ

In taxable I went 60/40 VTI/VXUS because I specifically wanted to weigh international a few percent higher. In my IRA I did FSKAX & FTIHX at the same ratio

sunburn74

Lol. Say that to the guys who are laughing all the way to the bank and the tons of literature on the topic. I think I even remember Aswath Dandoran saying adding leverage to low volatility assets is totally fine. The only problem with 2x leverage ETFs are you may have to sit through drawdowns. However if its something you can just file away and not look at for 10 years, they should do very very well assuming your underlying asset is a low volatility asset like VTI or VOO.

HardlyDecent

re: disclaimer: So you want *bad* advice...? Weird, but ok. Choose something besides VTI/VOO/VT, set, and forget.

thorn960

Why? Historically the US market has done better but past performance doesn't predict future results. VXUS has done better than VTI over the last 12 months. The way things are currently going, the international market might continue to do better especially since it isn't as overvalued. It's impossible to predict though so that's why you do both.

BeardedBadAzz

I do… \~ 60% VTI, 20% VXUS, 10% AVUV. Sometimes the %’s get minor adjustments.

mdn845

Yes. But, if you so, keep it simple & boring. Things like VOO, VT, VTI, VXUS. That’s my advice. Or, maybe better yet, go to a financial advisor who’s a fiduciary & who will consult for a fixed or hourly fee. That’s another very good option.

Shredded__

At 24, you have LOTS of time and can really focus on building up your capital as high as possible early. For now your goal is to get as much into VOO or VTI as possible. The more money now, the more compounding happens over time. Consider using some momentum ETFs to build up that capital faster. SPMO, XMMO, IDMO (international). Also be more diversified by adding some small-cap value with AVUV and AVDV (international). For high growth, tech: VGT and/or QQQM. And a little SOXQ for extra semiconductors if you like. I'm in my 40s and I still hold all of these ETFs and a few others and rebalance them often.

Whydoineedtodothis60

Hey! My daughter is 24 as well and my finance guy, who I really like, just had her simplify her Roth to 70% VTI, %30 VXUS. For whatever that's worth. Anyway, sounds like you're on the right track!

Swred1100

VXUS and VTI, slightly lower fee overall for the same allocation at those numbers.

nutsbonkers

What's up! I would love to direct your attention to Ben Felix youtube channel. Essentially, there's a lot to investing, but it doesn't have to be difficult. Those are excellent options, I would recommend either VT or VTI or VOO, and just keep it simple. 100% total market stock index funds have beat every other strategy including adding 10% international and small cap for 30 year time horizon. Just do _not_ panic sell if and when your money evaporates by 60%, it will come back. It might take a decade even, but you _cannot know_ and if you take the loss, you'll lose out on recovery and never recover without substantial increase in saving. So yeah, keep it simple, wouldn't even bother with diversification unless its like 10% and just reallyy want to.

TortugaTurtle47

I do VTI and VXUS so I can adjust my allocation whenever I want but VT is simpler and you'll probably get the similar returns in 40 years.

Thermogenic

In a taxable account you want VTI and VXUS. In a tax sheltered account it’s effectively the same.

mdn845

I personally like Vanguard, in part bc it’s owned by those who invest in Vanguard’s funds/ETFs. But Fidelity is also great. Can’t go wrong with either. In terms of VT vs VTI/VXUS, I slightly prefer the latter option bc it allows you to more easily control the percentage of international exposure. I myself prefer slightly less in my non-401k investments bc my 401k has like \~40% international.

Ok_Transition7785

At your age just do the VTI, keep it simple.

0nismic

I was initially planning on doing VOO + VXUS + QQQM, but I keep seeing people say to just stick to VT or VXUS/VTI 🥲 There’s a lot of conflicting recommendations

therealjerseytom

Between those two options they're effectively identical. VT is like a bundle of 35% VXUS and 65% VTI. If you just want to invest in "the world" then go with VT. Splitting out into US and ex-US makes sense if you want to have specific weighting leaning more one way than the other. Nice work opening an IRA at a young age, though. Great move.

chadly117

VTI + VXUS and chill

Exquisite-Load8654

People who didn’t participate to begin with. I’ve nearly doubled my networth in the past two years. Really quite remarkable. MU, MSFT, and VTI.

SnS2500

\> I know it's a new fund VRGG follows the same index as the US etf VONG, which has been around over 16 years. VONG has done considerably better than VTI and VOO the past decade, but considerably worse the past year... and about exactly the same the past six months. So in terms of newness it does have a track record, on the other hand it only trades an average of 1400 shares a day so not very popular. If VTI is your model, and VOO performs about the same, why not go with VUAG or VUAA, which trade 200,000+ shares a day?

Shredded__

Because stocks go up and down so much, controlled swing trading the stock will make you more than just buying and holding. It also manages risk. Before you buy an individual stock of Company-A, already have a plan of when you're going to sell it. When it hits +20% sell 20% of the shares immediately. This ensures you're walking away with profit. Set a trailing-stop on the remaining shares at +10%. A) If the remaining shares suddenly drop from the +20% to +10%, they're gone, and again you profit. B) If the remaining shares continue to rise +30%, move your trailing-stop up to +20%. Move up the trailing stop as it rises. Do this until they sell. On individual stocks, you have to be emotionless when they sell, regardless if it jumps up from there. DO NOT chase it FOMO'ing. Always dump the profits into a long term index fund similar to VOO, VTI, SPYM, etc. If you like the Company-A, repeat this, watch the charts over the next several weeks/ months for a dip in price that lasts for over 1-2 weeks or so. Watch for the RSI to be around ~35 or lower and buy back in. You can also check the MACD and 50 & 100-day moving averages. This entry point might be higher than your original trade, but again the share price doesn't matter, because you're working with percentages. I always stick to big names like the Mag 7. Companies that I don't mind holding for awhile.

SaneLad

If you stop trading today and put everything into VTI, it will probably take about two years.

Dani_Bolsa

Honestly, if you're just parking VTI and not touching the account much, the hassle is usually the bigger issue than the $ amount. I got burned once moving between brokers just for a promo and the transfer lag / cleanup was way more annoying than I expected. If you ever do want a cleaner active-trading setup, 50K Trade is the kind of thing I ended up liking more for that side of it, since I could keep the trading stuff separate without making my long-term account messy.

cakestapler

Full port(folio) into one trade (stock/option/etc.), usually something high risk/reward/ly regarded. Nobody talks about full porting into VTI

NoPatient876

100k is chump change and you should be able to handle that. Put it into a VOO/VTI/VT and leave it alone. Generally speaking, advisor/management fees eat away at any outperformance that they manage achieve. But when they underperform the market, or when the market is down, you’re still paying fees on top of that

throwawayawayayayay

I tend to wait too long and then sell around 50%-60% down from peak. Ultimately that's why I opt to invest in VT/VTI/VOO instead, so that I can avoid having to dwell on making those kinds of decisions and feeling hindsight regret over having sold either too early or too late. Example: bought $5k of SQ (now XYZ) at $14, held through its high of around $275 and eventually sold around $120. I knew it was overpriced at $275 but got greedy thinking crypto speculation could drive it up more. Missed out on an extra $50k gain as a result.

RevolutionCivil8049

VOO vs VTI isn't a concentration argument, those two track each other almost tick for tick. The real gap there is small caps dragging, not concentration paying off. Show me VT vs IOO with the exact dates and whether dividends are included, because that comparison flips depending on where you start.

rumpler117

On individual stocks, I usually like to sell a portion equal to my initial investment +25-50% (depending on how risky it seems to me), then invest that amount in VTI or VOO.

pk_12345

I hope you are not buying VTI or VOO or qqq. 

Flayum

I would think closer to 2001 or 2008 than 2022... Check the drawdowns for VTI and QQQ during those recessions. You can easily calculate a breakeven point for how much you'd need to withdraw and how low the market dips before it would've been better to have an eFund.

Only4TheShow

Ranking every option for *this* job — moving money out of the AI/megacap pile: 1. **BRK.B** — completely different businesses, cheapest valuation, no dividend. 2. **VTI / VTSAX** — best of the index funds; adds \~3,000 smaller companies you don't own. 3. **VOO / FXAIX / SPY** — broader than your book, but top-heavy with your names. 4. **QQQ** — mostly more of what you have. 5. **VUG / SCHG** — the growth half of the market only, which is exactly where you're already concentrated.

Retired-Yam8988

I’m an accidental landlord and there’s not much money in it tbh and I bought in 2011 and 2017. Also built an ADU in 2021. All three are rented out now. Our raw monthly income is about 14k a month. After expenses and taxes, it’s like 6-7k a month. The thing is these properties are worth about 4.5m or so. The cap rate is literally less than 2% a year which is complete garbage. Why not sell? Well we have competent management in place at least that isn’t that expensive luckily and honestly we don’t sell assets if we don’t need the money and we never really need more money. We retired in our 40s and now in our 50s, our business is still going and making us more money than we will ever need (like 60-70k profit a month). Our passive assets are making us more and more too (up to about 40-50k a month these days). Overall we just let things lie because I look at it as not needing to take a taxable event with already locked in very low interest that’s less than inflation that our tenants pay off anyway in a tax advantaged asset (depreciating the property on your taxes is rather nice as it makes any hint of profit disappear to the tax man). Other than that, we’re not looking to do more especially not in the US because the numbers are truly messed up in most major metros. You’re better off dumping money into VOO or VTI and just keep that growing

nwendt223223

Depends on what your goal is. For long term investments/retirement I generally focus on broad market funds like VTI, SPY, VOO etc. to get exposure to multiple companies/industries/sectors. For medium to short term investments or trades I usually go one of two ways. First I may come across an opportunity by word of mouth or just look through the news/social media and industry/marketing order reports to get an idea where an industry may be headed then drill down and focus on the different stocks. Secondly I may look for opportunities that may fit an already existing options strategy I have either come up with myself or found somewhere else then modified. Usually this involves looking through the options chain on an ETF like SPY for example.

finelo_official

You mentioned that Schwab holds your VTI while Robinhood is where you trade options. Is that separation helping you leave the $100k alone? The bonus would be about $2k before any taxes or fees, but I’d also consider whether moving everything into one app would change how you treat that money. Convenience is worth something; so is a boundary that works.

EricTheAce

I think it’s worth it if you’re mainly just investing in VTI. I’ve been waiting for them to offer me a higher matching rate. So far the highest offer I’ve gotten is 1%.

MatrixOrigin

I asked Gemini how much money ITOT and VXF would have to pour in. It said around $25M combined. As for VTI though: >VTI cannot buy Trulieve because it does not follow the S&P Total Market Index.While VTI is labeled a "Total Market" fund, it only tracks the CRSP US Total Market Index. Index funds are strictly bound by the rules of their specific index provider. Even if a stock qualifies for a "Total Market" index created by S&P, it means absolutely nothing to Vanguard's VTI unless CRSP changes its rules too.

ATPsynthase12

SPMO is performance chasing. It’s still concentrated in like 150 companies and exceptionally tech heavy. And as others may have said, you have no foreign market diversification so you are missing out on about 45% of the total world market. They are boring and not flashy, but statistically speaking, broad whole market index funds like VTI, VOO, and VXUS or SPY do better year on year and outperform stock picking or actively managed portfolios. Unless you’re Warren Buffett or insider trading, your portfolio will statistically underperform someone who simply bought index funds.

cdude

If you're just holding VTI then it's probably worth it for you. I use Schwab as my all-in-one and i like that i can always talk to a human support rep.

ATPsynthase12

Google concentration risk, sequence of return risk and what portfolio drawdown means in retirement then sell your holdings and consolidate into 70% VTI, 30% VXUS or 100% VT. You’re one tech bubble or recession from working into your 70s.

UsedState7381

What is this weird color on my screen now? LoL 😆 I really really really hope that things will start to change now that we have some exposure to VTI.

Careful_Income4556

I rarely trade options, I am basically just holding VTI in Schwab and I trade options on Robinhood just because it’s an easy interface to operate.

greytoc

It entirely depends on the type of services that you need. If you are just holding VTI and you don't need any customer services beyond simple stuff - it probably would be worth it. But if you have more complex investing or you are an active trader using more sophisticated strategies - it depends. For me - I would not be worth it because I value the services provided by brokers like Schwab. It's entirely a personal choice based on your personal requirements.

UnObtainium17

personally i would not do it. Pay tax on VTI gains, then move the money to Chase, then pay tax on the $900.. Then what are you gonna do to your $15.8k? put it back to VTI? Plus There might be a term in the fine print where it would say the money in the chase account should stay for X amount of days or months before getting withdrawn.

Arrowhead_Pride15

And that is exactly why you shouldn't sell. You are diversified in other, tax friendly accounts. The taxable account is where you can have fun with some "play" money and as much as I love my 401k invested in VOO/VTI etc those funds do not hold any TSM, very little NBIS, and by playing individual stocks you don't always beat the market, but i have a handful that I have held for years that absolutely HAVE outperformed (NVDA, GOOG, TSM, funnily I have NBIS too but wayyyyyyy too early to call that one...) and if you aren't buying individual stocks with your excess "fun" money then the odds of ever outperforming are Zero. You paid for the ticket on theses positions, take the ride!

EmpathyFabrication

Depends on your tax bracket. Capital gains tax from selling the VTI and the ordinary income taxes on the $900. Also have to hope VTI won't return over $900 in 3 months or whatever annualized that is like 25%

InvisibleEar

Should I sell VTI to give Chase 15k for 3 months so they'll give me 900

PapaCharlie9

Elaborating a bit more on the other comment: Shares in some index fund, like VTI, rarely go to zero. Even if the share price drops 20%, you still hold some value. Whereas with a LEAPS call, or any call, if the share price drops 20%, the call could easily become worthless and $0 in value. So instead of losing some of your equity, you lose all of it. Granted, the total amount of money is lower, since it costs less to buy a call than 100 shares, so a total loss on a call is less dollars than a total loss of shares, but shares have no expiration so they have time to recover. Whereas once a call expires, that's it, your loss is immortalized forever. Plus, putting 100% of your capital into calls means the probability of a 100% loss of all your capital increases vs. shares.

Flayum

Use an LLM to ask which companies in January 1st 2000 were household names, then see how they did vs VOO or VTI. People would be talking about the hype of Blockbuster, Yahoo, General Electric, Yahoo, Kmart, Pets.com...

UsedState7381

Trulieve on VTI, meaning it's being added to other ETFs. This is what uplisting is all about.

noiserr

VOO and VTI as they have low cost, but Fidelity offers zero costs alternatives. FNILX and FZROX which are worth looking into.

Nikkybags21

Honestly….i would break it up into these ETF’s..VTI,VXUS, QQQ, SCHD…. and your done

varietyviaduct

I have nothing but QQQ and VXUS, should I round it out with VOO or VTI

murderbymodem

VTI is up 1.51% today, stop being regarded

Puzzleheaded_War6102

Sure did. I’ve been DCAing in VTI all August & September. Just like I do every month and look at my portfolio every 2 weeks when I make a transfer to buy more.

InjuryEmbarrassed532

VTI slightly above VXUS, at least some things make sense today.

Kachowxboxdad

I set my primary account to be 20% VTI w ATM puts bought against it, 17.5% SGOV, and the other 62.5% selling shares w collars set up (buy ATN put / sell OTM call). The SGOV yield covers the put costs and the terminal expiry worst case costs so in 1.25 yrs I either take zero nominal pretax dollar loss or get uncapped upside on VTI w the collars having 13%+ annualized max upside. I don’t trust any of this either but I don’t see a point in giving up market upside for SGOV yield alone

Unique-Ferret-612

Same VOO and VTI have been the goat for me. Sometimes I'll put individual stocks in my taxable account for less tax expenses than the dividends from VOO. Sometimes I wonder even if I should quit that and go with VOO or VTI in my taxable account?

Detray416

VT or VTI/VXUS split. If you want to be riskier watch the leaders of those funds and do a tilt towards those tickers (NDVA, TSM, AAPL)

BallzNyaMouf

VTI and chill.

gizmole

6 months' expenses in HYSA or something like SGOV. The rest, if for retirement, put in VT, VTI, or VOO. Depends on how much you want to divesify, and your investing beliefs. VT will give you world exposure, including the US. VTI/VOO is just the US. You can always change things up the more you learn. You may want to dabble in individual stocks (more risk/more reward), but learn how the market works and how to evaluate single companies first. Otherwise, you're just gambling. Don't trade. The majority lose. If you still want to consider it at some point, make sure to paper trade first for a while to learn what system works for you. Then, when you start with real money, risk management is the most important factor. Start with very small trades you can stomach losing until you can see if it's something you can even be good at. Psychology will be your biggest barrier to overcome.

LazyPortfolio

Putting 10gs when the market opens at 9:30 on Monday in VTI/VXUS. Holding for 20+ years, not worried about today’s noise

7Astro7

How much overlap does VXUS have with VTI?

7Astro7

Well to be honest I just googled it. But it does have a much higher tax rate than something like VTI. I believe it's about 15 times higher specifically and when I do eventually take the money out, I don't want to be hit with crazy tax drag. At least this is from what I understand, I could be wrong.

euphoric_apologise

Don't overthink it, just swap to VXUS for the international part and keep feeding VTI. At 24 with 1500 a month you're already ahead of 99% of people. The tax drag on FBGRX isn't worth the headache when you can just hold simple stuff and forget about it for three decades.

QuanTradin

What is hitting you is not a high tax rate on the fund, it is that FBGRX is a mutual fund and passes realized capital gains through to you whether or not you sold anything. ETFs mostly dodge that through in kind redemptions, which is why VTI is quiet by comparison. Check what the switch itself costs before you do it though. If that position has a big unrealized gain you would be paying tax today to avoid a smaller drip later, and at your horizon the sums often say leave it alone and point the new monthly contributions somewhere else.

CrypticSoldier

I checked into my retirement through work, it doesn't appear that I can leverage any stock options due to the kind of retirement it is. I have to check with them on that. As for my IRA, my plan is to 70/30 split VTI/VXUS, and once it gains some value, maybe 1kish? I plan to switch to 60/30/5/5 VTI/VXUS/BND/GLD respectively.

UsedState7381

Apparently, Trulieve has been added to VTI. Real damn shame today out of all days, this would have been one hell of a pump on Monday or yesterday.

Jordino778

I made the same mistake. Had a nice increase before the AI stocks wiped everything out, wish I had just stuck with the tried-and-true VTI/VXUS

availablegangs

2 thoughts 1. Feed your holdings into AI and have it tell you how much percentage wise is in Nvidia/Apple/etc . I bet you thought QQQ was the tech heavy one and the others were diversified but the Mag 7 is like a third of VOO and a quarter of VTI (I am pulling these numbers from my ass) 2. Consider some precious metals for your Roth because the Roth is tax advantaged and Gold and Silver are tax heavy 

availablegangs

The historical correlation between VTI (Vanguard Total Stock Market ETF) and VOO (Vanguard S&P 500 ETF) is 0.99, meaning they move together 99% of the time.Key Correlation DetailsNear-Duplicates: Because VOO represents over 80% of VTI's total market capitalization weight, both funds share the same top mega-cap holdings (like Apple, Microsoft, and Nvidia) with very similar weightings.No Diversification Benefit: Holding both funds together provides virtually no extra diversification because a drop or gain in large-cap stocks impacts both funds almost identically.

jonroobs

Invest as much as you’re able to in a low cost index fund like VOO or VTI. There’s no safe way to “catch up” without risk, but the best time to start is today. Max 401k and IRA, then put the rest in a taxable brokerage. Look up the bogleheads method

InvestingNerd2020

If you are already using HYSA (assuming 3% or higher currently) and T-Bills, you are already in a great situation. Time to focus on moderate diverse growth investments. Total USA ETF: VTI, SCHB, or ITOT International ETF: VXUS, IXUS, VEA, or SCHF.

GlobalVillage30

Yes I agree re high dividend stock (hence better to buy quality dividend compounders or a fund like SCHD at least a decade before retirement so your yield is around 6-7% when you retire). But I also agree totally with a VTI + bonds + satellites. TBH, that’s much closer to what I am doing. But alot of people either don’t like or don’t understand bonds

Newbiewhitekicks

No long term investor cares about 1; 5 years. You need to just be buying VT or VTI/VXUS.

lordalvert

You guys have any advice how to get from mostly boomer $15,000,000 portfolio (VTI voo) to $30,000,000? I wanna retire asap.  

InclinationCompass

$690k portfolio 19% individual stocks 22% VXUS 59% VTI/VTSAX

FeelTheH8

I started in 2020 and noticed I was lagging the s and p 500 returns a ton stock picking. Ever since then I just went straight VOO/VT/VTI and I've more than doubled my money in less than 6 years.

ra__account

Companies paying out 7% are basically stagnant like T. That means they're paying out almost everything they take in with very little to reinvest for the future. There's a reason SCHD and VYM pay 2.5-3.5% or so. Quality companies with a future don't pay the big percentages. You can find some risky REITs that do and some gas pipelines (which come with annoyingly complicated taxes). I'd rather just sell VTI periodically. It still pays a dividend, just not as much as the SCHD, and I'll have that nice healthy bond platform as well as some alternative investments.

greatgumz

80/20 VTI and VXUS for me. Automate your investing and focus your time and energy on increasing your income and enjoying life. When your investments out earn your income then you can spend time picking stocks.

QuanTradin

70/30 VTI and VXUS is roughly what the whole world market looks like, so it's a sensible split and not really a bet either way. honestly the ratio matters far less than the contributions going in every month. and at that size the crypto sale is a tiny tax event, don't let it stall you.

afrothunder1987

Please act like you have a brain. Obviously you can’t DCA if you don’t have income. If you are near/at retirement age and have no income you need cash/liquid-low-risk reserves to draw from during downturns. If you are retirement age you need 3-5 years of expenses set aside to buffer so you don’t draw from principle during recessions. 2 fund portfolio. 90% VOO/VTI and 10% cash (or whatever cash amount gets you 3-5 years expenses). It is that easy and simple to account for downturns with no income.

harrison_wintergreen

>would the IRA grow outside of me putting into it? Hope that the shares of VTI continue to go up? - the share tend to go up in price over the long term. not always in the short-term, but much more often than not over 5-10+ year periods. - you keep steadily buying shares over the years, whether the price is up or down. - VTI and most stock ETFs will also pay dividends, usually every 3 months. re-investing those dividends rather than spending them tends to boost your long-term results, particularly during bear markets when stocks are crashing or flat for many years.

CrypticSoldier

Ah that makes sense. I appreciate the explanation. I do have the 80/90 dollars in crypto that I want to liquidate and get over to the IRA. I know this will be taxable event. I was thinking of diversification in my IRA though. Maybe 70/30 VTI and VXUS? I've seen VXUS mentioned a lot. I appreciate the warning about the themed bundles. I'll avoid those and just stick with my VTI.