VTI

snook4reddit

This part, all the Equity only folks that got in during Covid never experienced an 08- 38% market drop or a 00, 01, 02 drop. A lot of the high frequency Robinhood cowboys that were birthed during Covid will understand when the bottom falls out and they panic sell. Behavioral finance is a real thing just like people spend money on a therapist people with lots of money need a steady hand. I know I'm going to get some variation of VTI and chill but again unless you have set through a whole year of getting your teeth kicked in you don't have the perspective of someone who has...

Logical_Lemming

These 9 companies still make up 34% of VTI. Versus 38% in OP's S&P500 fund. It's really not that different. Not that that's a bad thing.

derprondo

My current batch of RSUs are now worth 50% of the initial grant LOL. Luckily I've been selling everything that vests and just buying VTI.

snkscore

Yea it’s a weird pitch to say you should stay with us because we’ve lost you so much money. It’s hard to know what to say without knowing what the objectives were and what the investments were. If he was just picking growth stocks and did a bad job then that’s terrible and you should just be buying VTI or VOO and avoiding an advisor. But if he was told to create a balanced portfolio and limit risk then you’d expect to underperform the SP500 over a long bull run.

AnselmoHatesFascists

VTI was at $105 or so around June 2016, and $339 today, plus dividends got paid out quarterly. Can you track your own returns and see if you came close to that, or if they're accurate in their assessment?

Alarming-Yam-5467

Should I change it to VTI instead?

TheReservedList

That's a really complicated way to buy 1000$ of VTI.

Inevitable_Pin7755

If you’re already maxing a Roth with VOO, your taxable doesn’t need to be complicated. You can literally mirror something like VOO or VTI and keep it simple. Broad index funds are already pretty tax efficient because they have low turnover. In a taxable account you generally want to avoid high dividend funds and constant buying and selling, since that creates unnecessary tax drag. Long term growth, low fees, low turnover and consistency usually beat trying to optimise every detail. The account type matters less than staying invested for 10 to 20 years without messing with it. I break this kind of stuff down in simple terms in my weekly newsletter if that helps. It’s in my profile.

dissentmemo

Do you max the IRA? Do that first. Do you have a 401k? Do that next / get the match on that first. Maximize tax advantaged space first, basically. And invest in VTI+VXUS or just VT. Voo is fine but you can diversify further.

pwkdru

bro just buy VTI and VXUS and be done with it lol

__redruM

More VOO, VTI, VT, VXUS, QQQM, VGT, SMH. What’s your risk appetite? At a younger age, QQQM or SMH is more interesting.

bobby1128

Solid foundation, already 401k match, emergency fund, no debt. With $500/month, broad EFTs like VOO or VTI are a safe start. For diversification, Personally I also been using something like Fundrise, which can diversify into private markets, so your entire portfolio isn’t tied to public stock swings

Axe_Raider

i'm comparing to VTI. > Between April 1, 1999 and April 1, 2005 IBM does just a little bit worse than VTI over this period. $1000 at the start ends $1083 in VTI, $1068 in IBM. whatever else you can say about IBM, how can it be **one of the worst stocks effected [sic] by the dot com burst** if it was doing basically average stock market performance?

Due_Reach_1355

VTI/ VXUS based on global weights USA/ international in VT Right now I believe it’s 65/35 so you’d buy 65% VTI ( us market) and 35% VXUS (international market) This is the best way to invest in taxable brokerage

Axe_Raider

> recommending one of the worst stocks effected by the dot com burst this makes no sense at all. since the end of 1999 IBM outperformed VTI for the next 5 years. were you thinking of INTC?

Status-Put8162

Spread it out. VOO the most obvious. But balance it out with some VTI and VXUS (international market) if you want less "risky" AI VGT is one. Also, dividends are nice from some of those. Since you're beginning and are going to trim down your portfolio look for dividends as well. Chevron, Coca Cola, Walmart...etc. Reinvest those dividends automatically and boom. Set buy limits. General rule I follow is I slash 15% off the current price and set a limit to buy. I purchase to hold long term. Doing this I have 2x or 3x'd on some of the big boys. Don't put all you eggs in one sector. Also, inverse some of your portfolio, as well. Read the book "The Intelligent Investor" it will save you a lot of this bullshit. INDEX FUNDS, but those are not "fun"

CunningLinguistt

Acknowledging that the best strategy is to buy and hold VOO or VTI for life. I still stock pick individuals though because its fun and I enjoy it.  I try to find companies that are still growing, have good leadership, and exist in areas that will be growing for the next few years at least. Ideally someone with some sort of advantage when it comes to having better tech, better connections in the admin, or better partnerships to leverage. Ideally in areas where demand is more predictable like defense or gov contracts.  You can have all of those qualities and still lose. As much as you want to believe better prep will lead to more success, the stock market has a large luck component for both the companies and for picking them at the right time.  Right now im invested in a lot of defense + Google. I see the rest of the world relying on and trusting the US less which is a given at this point. There's a Euro defense ETF you can get into if you want less risk but medium exposure.  For drones, the war in ukraine has brought drone fighting up in the current war meta. The US is about to try to spend their way ahead in drone production and development (see the drone dominance competition happening as we speak).  I like RedCat, Ondas, and UMAC for drones in the US. UMAC has Don jr. on their board and are ingrained in the trump admin. And Redcat has good tech that was even selected under Bidens admin.  I like Kraken robotics, a Canadian defense tech company you can read about here.https://northwiseproject.com/what-is-kraken-robotics/ I like them because they supply Anduril, and Anduril is supported by Peter Thiel and Palantir which implies they're inside the admin.  I like google because they're in everything tech related. They even own 15 percent of spaceX.  I also invest in Reddit but ive been taking a fat L lately on those shares. Honestly it's a great time to buy in.  Thats most of my port 

FrankDrebinOnReddit

You wouldn't have to. If you buy VTI/VXUS in the US/ex-US ratio, then it will stay very close to the US/ex-US ratio even without rebalancing. If it goes from 60/40 to 55/35 through price action, both the VT and VTI/VXUS portfolios end up in a very similar place, 55/35.

neighborhood_spdrman

I’d say lose at least half of it and focus in on a handful of companies. No way you can keep up with that much. Plus you’re already covered in a lot of that with QQQ/VTI. Best of luck with whatever you aim for tho!

FrankDrebinOnReddit

You might want to consider VTI+VXUS in the same 60/40 proportions as VT, since VT, having less than 50% international assets, isn't eligible for the foreign tax credit.

ernyc3777

$VTI and log out for 20 years.

SwingLord420

Boring winners: SOXX, VTI, VXUS, AVDV

International_Box671

I think you are doing fine, there will be no perfect answer. I follow what is called core and explore which is basically what you are doing. My core is Fidelity Growth, Vanguard International Growth, VTI and QQQ. In 1995 I started buying Microsoft, Home Depot and JPM. For all these years I never sold anything, if the market is very high I turn off Div reinvest and just spend the money.

Icy-Sheepherder-7595

The data shows that the Lilly option is marginally more effective. That's all. But I'm not trying to make the case for Novo here. If there's one stock I liquidate tomorrow it's this pile of shit that's for sure. So many factors too not just the competition but rather the effect tariffs will have on them since they're Danish and also the fact HIMS was getting away with blatant fraud for so long in offering generics under the guise that it was a national emergency. I'll probably stick to MAG 7 and VTI from now on

Icy-Sheepherder-7595

Interesting. I'm inclined to believe you. Every other post seems to be "buy the SaaS fire sale" but if you listened to any of the advice your already down big time. Been thinking of just consolidating everything into MSFT, UNH, and VTI. I don't have the stomach for the rest of it.

culturefan

What's going on it our wacky president always upsetting the market. With that aside, your portfolio is pretty good, especially if you'll hold for long term. I'd keep: BRK.B, MELI, META, MSFT, and VTI. Probably LULU as well. What you could do is just add more to VTI as you feel like. If you wanted to sell ADBE, LULU, NVO, you could sell that and put in VTI.

Icy-Sheepherder-7595

It hurts doing the math in how much I would have had I bought VT/VTI when I graduated college in the midst of the COVID spending bubble pop. Generational buy opportunity that I fumbled for no reason than wanting to try picking them myself

Excellent_Row8297

Mostly boring ETFs. Mix of VTI, VTWO, VXUS. Highly titled towards VXUS.

HelloTheirCruleWorld

VTI/VUG and chill.

WorldArtist

$125 a week distributed to a few ETF’s (VTI, VXUS, VIG, FXIAX) and you’ll be doing a hell of a lot better than you’re doing now with no effort or stress. Leave it in place and in 30 years you’ll be better than 70% of ppl and retired. Find a company that matches your contributions.

Dirkredblade

The S&P 500 has a cagr of 9.42% and an average of 11% since 1871. That's a 154 year track record. I can only find data back to 1969 for a VXUS equivalent (testfol.io), but since 1969 a VXUS equivalent has cagr'd 8.87% and VTI equivalent has cagr'd 10.98% so 120% more. There are periods like 1969-1983 and 2000-2010, where Ex-US outperformed US, but for the last 154 years, outperformed insanely. I have 20% in VXUS, because i've read all the portfolio allocation theory too, but as long as I've been investing (since 2004), except for last year, EX-US has been a drag on my portfolio, and holding it feels a little foolish, honestly. We're seeing flight to international because trump is an idiot and because international is so cheap compared to US after basically a 15 year bull run...it feels like the party has to end soon and we'll probably have another 10 years of underperformance of US stocks. History doesn't repeat itself, but it does rhyme. Personally though, when i look around the world, USa still feels like the prettiest pig at the party, it's got a better position for food and energy than any other country, ocean buffers to east and west, friendly neighbors to north and south. Europe has social safety nets, which makes daily living for the average citizen better (I'd probably have a better standard of living in Norway than i do here in the US), but they don't have the "hustle culture" of the US, and even if they did, it's so hard to fire people there that it slows down growth- small businesses are a lot less likely to hire people when they know they can't fire people- it slows everything down. Asia has a serious demographic problem and has to import half its food and most of its oil. Africa is still in the early stages of development. So all that to say, in my experience and opinion, USa has better long term growth potential than the rest of the world- yes, there will be many periods where single countries or regions outperform USA, but for every Korea kicking ass, there's a Greece bringing down the EU. I'll keep my 20-25% Ex USA, but 40% is too much.

BananaOverlorddd

Mate you went from timing it perfectly in 2020 to sitting on 400k in cash for years - thats basically the full wsb experience compressed into one post. Going all in on tech because you heard GPUs are hot is exactly the kind of thinking that got you burned in 2021 though. If youre actually trying to buy a house and not just gamble maybe start with boring ETFs like VTI or SPY and dollar cost average in over a few months instead of yeeting it all at once. The market doesnt care about your timeline and neither does your mortgage broker when house prices keep climbing while youre waiting for the perfect entry point. Save yourself the stress and just get in the game already but maybe dont bet the house deposit on nvidia calls

OddDescription4523

Probably the main thing to consider right now is your tax burden. I think your instincts are right that you don't want to just leave it as is; you probably want to consolidate it into safer (or at least less volatile) options. But, if you sell what you have, you'll have to pay taxes on it, and at 22 that could be a real problem. This is some important information: if you've held a stock for at least a year and a day, you only pay capital gains tax on it, which is generally 15%. So let's say you wanted to get rid of all your Tesla, so you sold roughly $60k worth of that stock. Google tells me TSLA traded at about $13/share on March 1, 2016, and it's now about $412 a share. (God bless Grandma.) To make it easy, let's just say you bought at $13/share and sell at $413/share, so you make $400 profit per share on 145 shares (that would be about $60k). Your gains would be $400 x 145 shares = $58,000. Since these are long-term gains (you held them more than a year), you'd owe 15% in taxes, which is $8,700. I don't know about you, but when I was 22, being surprised with an $8700 tax bill would have been a disaster. So, if you sell off a good portion of your portfolio so that you can put it in more cautious choices, be sure to hold some of the proceeds from the sale back to cover your tax burden. If there's anything in there that you've held for *less* than a year, then proceeds from the sale would count as ordinary income, in which case it just adds onto whatever you've earned in wages for the year. That might be a reason to hold onto some things so you could split the sales across two different years so you don't get hit with the full tax burden in one go. But, then of course you're risking a major drop in price while you hold it. You've just got to decide for yourself what level of risk you want to take vs. tax burden. In terms of what to put your portfolio into once you've sold the old holdings (or however much of them you're going to sell), you probably want to buy broad index-based ETFs. ETFs that track the S&P 500 as a whole like VTI, or ones that broadly track big companies (called "large-cap", meaning their market value is at least $10B) like VOO or IVV are usually where you want to go to get wide exposure. Right now is a bit of an odd time, though. There are some signs that we're in a bubble, and bubbles pop, and when they do, the whole market goes down hard, so having diversified doesn't protect you. No one can know for certain if we're in a bubble, or if we are how long before it pops, but just know that there is some reason to consider doing something other than the standard advice of putting it all in something like VTI or VOO. One option is to put a portion in an ETF that only holds things not based in the U.S., since that's where the bubble is if there's a bubble at all. VXUS is the ETF I'd recommend if you want to go that way. Another option is to just hold a bunch of it in cash in a high-yield savings account (HYSA) for a while. You could probably earn close to 3.5% interest in a HYSA while waiting to see if the bubble bursts or if fears of a bubble calm down. If there is a bubble and it bursts, then you've got your cash available to buy up equities on the cheap - much better to buy VOO or VTI after it's dropped 25%, right? Of course, if fears of a bubble are wrong, then things will have continued getting more expensive while you were only getting 3.5% interest on your money, so in that case you will have missed out on 6 months or 12 months or whatever that your money could have been growing faster. The last paragraph was trying to lay out (a) what people would normally suggest, (b) why that might not be best right now, and (c) what to consider given the worries of a bubble. Here, I'll give you my concrete recommendation. To let you know where I stand, I think we are in a bubble, so I've been selling most of the stocks that I've held for more than a year and moved the money into a HYSA. That being said, I've moved myself from about 97% stocks/3% cash to about 80% stocks/20% cash, so I'm still heavily invested and not willing to pay the extra taxes for short-term holdings just to get out now now now. If you don't want to learn about stock investing and just want a concrete plan, here's what I would do with a $120k portfolio that I wanted to make more cautious. First, sell off all individual stocks that have been held over a year. Things held a year or less, I'd hold onto them until they reach that year-and-a-day threshold then sell them. I'd put probably 80% of the money I now have in a HYSA, 10% in VOO and 10% in VXUS. Then every month, I'd buy like $3k worth of VOO and the same of VXUS, so I'm slowly moving the balance of cash to equities. If there's a crash and things become really cheap, jump on it to buy VOO and, if there are a couple big name companies you want to get, go ahead and buy a couple thousand dollars worth of them. Otherwise, just keep doing those monthly purchases until you're at something like 80% equities/20% cash. After that, when you have extra income available, buy more VOO, but always keep enough in cash so that if some disaster struck and you were suddenly without a job or place to live, you could afford to cover the necessities for 6 months. For the money you've invested, don't even look at it. The market will go up and down, but unless things go catastrophically different than they ever have before, the long-term trend will be up, so don't let yourself worry about a down week or even month; just know that when you're in your late 60s, you'll see just how much your money has helped you make more money!

_n8n8_

I didnt downvote and this is splitting hairs but I'd probably just invest in VTI for that at a lower expense ratio.

Jonas42

One could quibble with the specific numbers here, but It's generally true that if you live in the US and you believe that US/INTL stocks will have identical expected returns going forward (which I don't, but whatever), US stocks will give you slightly higher *realized* returns due to the tax implications you hit on. In isolation, I don't think that tells you much though. The question is a) can you as an individual simply manage this by holding VTI in tax advantaged accounts and VXUS in taxable accounts, and/or b) does the more favorable tax treatment you mention outweigh the benefits of diversification. The answer to (a) is probably yes. The answer to (b) is almost certainly no, and involves more than just standard deviation calculations. Global markets aren't a spreadsheet simulation, and you expose yourself to several kinds of risk by investing in a single country, even one the size of the US.

makedd

Just making sure you know that the price doesn't matter at all. ETF that is being sold for 20$ could be doing way better than one being sold at 1000$. They have different amount of shares. Also, do not focus too much on past performance. That is all in the history and doesn't mean it will keep going up or down at the same rate. For your question either VOO or VTI will be fine. Focus on low fees imo. If you wanna start investing in something less broad, you should study a lot more.

junger128

I blindly invest in VTI/VXUS long term

mydogsnameisbuddy

VTI and chill

ml-7

Rebalance into 70 VTI 30 VXUS be mindful of the tax bill when you sell Tesla. Concentration built the wealth now you need to diversify to preserve it

Swred1100

It simply depends on what you want. These all do vastly different things. Want exposure to S&P? VOO Want worldwide exposure? VTI Want non-USA exposure? VXUS Want income? IBRYX None of these track the same underlying.

blorg

Tesla's valuation is nuts, but it's 1.82% of VTI (US total market), 1.12% of VT. It's small enough it could go to zero and that would be like a month of your returns, it just isn't something you have to specifically worry about. I would not pick Tesla to own, but it is a bit over 1% of my portfolio just because it is that big... doesn't concern me. And again- everyone thought Tesla was overvalued 10 years ago. Even Elon Musk. If you excluded it then, you would have missed out. >**Even Elon Musk Thinks Tesla’s Stock Is Insanely Overvalued** >“I do believe this market cap is higher than we have any right to deserve.” >For a small army of skeptics and short-sellers, Tesla’s gravity-defying stock price has remained a source of envy and exasperation. Last month, Elon Musk’s 13-year-old electric car company vaulted past General Motors and Ford in value, as Tesla reached a $50 billion market cap and kept on climbing. (*Vanity Fair*, May 19, 2017) That was 2017, a market cap of $50bn was overvalued. It's now 25x that, at $1.29tn. A lot of people have lost a lot of money shorting Tesla. Short sellers have lost over $75 billion collectively since Tesla's IPO in 2010. So I just hold the market and don't worry about trying to exclude things.

ItsyBitsySPYderman

I saw a post on the main page where a guy was happy he dug himself out a 5 year hole and got back to even. All the comments were "now adjust for inflation, you actually lost money", "imagine if you'd just put in an index fund" Bro, we all know you mofos arent green all time. Quit acting like youre just VTI and chill. This is WSB, we all know you arent even following your own advice. We're all just gamblers here.

Disastrous_Ad_1573

VTI and die

cupoteaforme

ETF if you want to buy or sell anytime of day or transfer to another brokerage. Mutual fund if you don't want to think about timing of buying or selling and are will stay with current brokerage for length of investment. VOO or FXIAX if you want the growth of top US businesses, VTI if you want growth as well as value of all US businesses. Invest in Biotech/Bioscience/Individual stocks after you are stable with your investments/finances.

Bossanova12345

$1000 in VOO is worth the same as $1000 VTI

maiden_finance

you're comparing a month to a day. VOO's 0.71% is 30 days of movement. VTI's 0.62% happened today — could be -0.8% tomorrow. PLSE just dropped 14% in a single session. that's what daily volatility actually looks like when it goes the other way. VOO has averaged ~13% annually over the past decade. nobody talks about the daily number on a fund you're supposed to hold for 20 years.

CuriousObserver-1

I think you might be focusing a little too much on the price and the daily movement. VOO being $634 and VTI being $340 doesn’t mean one is “better.” The share price itself doesn’t tell you much. What really matters is what’s inside the ETF, the long-term performance, the expense ratio, and whether it fits your overall plan. VOO tracks the S&P 500. VTI tracks the entire U.S. market. VXUS gives you international exposure. They’re all solid, long-term index funds. A one day or one month move like +0.7% or −0.6% is just noise. That’s normal market fluctuation. The bigger question is not “Should I invest in VOO?” but “What’s my long-term strategy?” If you’re investing for the long term, broad low-cost index funds like VOO or VTI are often strong core holdings. Some people even combine VTI and VXUS for diversification instead of trying to pick winners based on recent price changes. Zoom out. Think 10 to 20 years, not today’s percentage. You’re already ahead of most people by researching before jumping in. Keep that mindset. Consistency and patience usually matter more than picking the “perfect” ticker.

AlexWJones

Sell Tesla and whatever else and park it into VTI (vanguards index fund which is essentially a sum of the whole of the US market), until you know what to do. If VTI / QQQ / SPY fail (the big index funds), we are all going down lol.

BrokenLyte

Throw it into VOO or VTI.

BritMeBabyAgain

A ROTH IRA: Post-tax $ sent to a retirement account. When you retire, and withdraw from it at that age, it will be tax-free bc it’s money you put in after taxes come out of your paycheck (such as if you have a ROTH 401 K, that rolls over into a ROTH IRA when you leave that job). You also have the option to deposit a max of $7,500 in 2026 (the yearly max contribution can go in later years). This $ is useful because it allows you to invest in an index fund, a good one is VTI bc it has 3,600 USA company stocks so that allows you to grow up your ROTH IRA). I suggest using a Fidelity Go Account, having it set at “Growth” which is 70% stocks, 30% bonds. — The best part of a ROTH IRA is that you can withdraw the amount you contributed (say next year you need to withdraw the $7,500 if you put $7,500 in this year) — PENALTY & TAX FREE. The key is: you cannot withdraw interest, or dividends bc they are considered capital gains (income), without taxes + penalty, but if you withdraw ONLY what you contributed (or less, such as $3,500 next year and then $4,000 the following year), then you don’t have to worry about it bc you already paid for that before you contributed. The only other rule is you have to have an IRA ROTH active for 5 years before you can withdraw your contribution. https://legalclarity.org/what-does-roth-distribution-code-j-mean/ For me, I withdrew some contribution last year, so my 1099-R has the code J on it, it means there was an “early distribution”, but I won’t have to pay penalties or taxes because: - “The first tier consists of all regular Roth IRA contributions. These funds are tax-free and penalty-free, regardless of the account holder’s age or the five-year holding period. A taxpayer can generally withdraw up to their total contributed basis without consequence, even with Code J on Form 1099-R.”

racerx1036

Im thinking like 40% QQQ 10% SMH, and then 50% 5-10 individual growth stocks Would something like this be a good split? I do VOO VTI and VXUS in my roth and 401k from work accounts

Vicious_Paradigm

If it were me I'd sell everything in individual stocks and then split it between $VTI (20%), $VOO (55%), and $VXUS(25%) and then have them turn on. "DRIP" for those funds. Forget about it... Come back in 20 years. $VTI and $VOO are nearly identical but you get some limited small and medium cap exposure. If you don't believe in US stability (this administration is devaluing the dollar and seems questionable on a lot of their economic choices on the world stage). You could flip the sizing of $VOO with $VXUS and go 55% into VXUS... or some other allocation. $VOO has been a consistent performer though.

Past-Option2702

80/20 is good 8-10 years out so long as you are confident you’ll retire on your terms. I was 70/30 when I was 8–10 years out. Retired 5 years ago at 50. (Now 65/35). I didn’t have anything but VTI, VXUS and investment grade bond then, and it’s still true today. I have no interest in making bets on stocks or sectors.

MyWealthApp

First off, don't feel guilty. Most 12-year-olds find the stock market dull! The best way to honor your grandmother’s gift is to protect it. Having 50% of your net worth in a single, volatile stock like Tesla is objectively risky. Since this was a joint account/inheritance, you should check if you received a 'step-up in basis,' which might allow you to sell those shares with little to no capital gains tax. Asmart move would be to gradually sell down the Tesla position and move the funds into a broad market index fund (like VTI or VOO). You don't need to be an expert or a researcher, you just need to transition from 'gambling on one company' to 'owning the whole market.' It turns a stressful portfolio into a peaceful one.

chris_r_jones

Hi, all. I'm a 51M from the US. I am reallocating my portfolio (mainly to simplify and minimize fees/expenses) with an \~8 year horizon to retirement. I'm getting on the simple low expense ratio VTI/VXUS/BND ETF bandwagon with a 50/20/30 split. However, I'm wondering if I should split the BND portion into BND/BNDX/VTG to increase the government percentage (less corporate) and foreign market exposure. I know that there is a lot of debate over investing into bonds at all. Please give me your advice/suggestions concerning that I do want to invest into bonds as a portion of my portfolio. Also, percentage suggestions are welcome too. Thanks!

InternetSlave

That alone is enough to retire wealthy on if you buy something like VTI and hide the password from yourself for 25 years. Make sure and turn on DRIP before you log out forever.

SLO_Citizen

I am not a broker, nor an expert in the market. If I were you now, I would open a vanguard account and put money in VUG, VTV and VTI. Vanguard Growth ETF, Vanguard Value and Vanguard Total Stock Market. At your age (I'm in my late 50s) I would put most in VUG which is a growth ETF (Exchange traded fund), the second most in VTV and lastly the VTI. Just let it sit, pretend you never had it. Work hard, work long and that money will make it possible for you to retire early if you want, Each year, sell some off and put $8,000 into a ROTH IRA via Vanguard also. When that is available to you, it will be tax free regardless of growth. I wish you the best!

subfloorthrowaway

Go look at US vs international stocks. VXUS is up almost double what VTI is. The rest of the world is crushing us. Our numbers only look good in a vacuum and when you ignore what we've done to the dollar.

WeakEstablishment686

Sorry for your loss. She must’ve been pretty damn cool if she put money in Tesla. It’s challenging for anyone to know what to do with 1. A lump sum of cash and 2. An overweight portfolio in one company. I think the best way is to think about what you would do normally with 120k while also being wary of taxes. I absolutely hate paying unnecessary taxes even if it means rebalancing into something safer. If 60k is in Tesla, what is the other 60k in? Is anything at a loss you could sell to tax harvest (and balance out with selling Tesla for gains)? My initial suggestion is to: 1. Continue investing yourself into a broad ETF like VT, VTI / VXUS, VOO etc. To honor her put some money aside each month and automate invest it into a broad ETF and never sell. You’ll look back in 5 years and see it as the best decision. 2. Sell a portion of Tesla but this depends on cost basis. If she got in super early and you’re paying gains in the thousands, I’m not really sure I’d do that yet. 3. For the other 60k hopefully it’s diversified, then you’re not in the worst shape or overallocation. I def think keeping like $10k in Tesla is a nice gesture especially if it really runs even more, that would be dope.

Maggins

Second VTI and VXUS for taxable brokerage for the lower expense ratio and foreign tax credit.

LanceX2

Sell all and buy 80% VTI or VOO and 20% VXUS. set to reinvest dividends. Forget about it for life and grow your income.

yar-bee

Divest the Tesla stock to a much smaller position like 10% of your portfolio max. Do this over a period of time, like 6 months to a year. Put that money back into boring index funds like VOO or VTI. Sit back, don’t touch it, pretend you don’t have it and you’ll be a multimillionaire when you retire. The older version of you will thank the younger version.

No_Cash_Value_

First off, sorry for your loss. Not an accountant or advisor, but if you don’t want to mess with it close the positions and put 75% in VOO and 25% in VTI. Don’t skip class, stay out of trouble and revisit this every couple years. Add to it every opportunity you can. Retire young. Congrats, you had an awesome grandmother.

thorn960

Tesla is in meme stock territory. I would probably sell at least 90% of it and put it in VT, VOO+VXUS or VTI +VXUS.

AllTooHumeMan

My advice would be not to spend any of it. You are very young and even without adding any more money to it, it could turn into a substantial fortune for you near your retirement years. In fact, you could even retire much earlier than the standard retirement age if you invest it correctly. If I were you, I'd put most or all of it into an index fund that tracks the S&P 500. This will help you diversify without having to pick your own stocks. Depending upon witch company your funds are held with you may have some different options. Fidelity offers their FXAIX, Schwab offers their SWTSX, JP Morgan offers their JPUS, etc. Without getting into too much detail, these funds are very similar in the companies they hold, are diversified, US focused, and have low costs or expense ratios and are perfect for parking your money into for decades of low risk growth with little or no involvement. You can also choose a Vanguard fund such as VOO or VTI which should be available through most investment companies which offer similar holdings and expense ratios. Good luck, youngster.

Jigawattts

Look into either VT, or VTI plus VXUS in your taxable brokerage. Get rid of those individual stocks. Let it compound.

bofoshow51

The healthiest portfolio is one that is diversified across the markets. S&P 500 is great for US market coverage but misses mid and small cap stocks, however that’s not a major deal from a historical performance perspective. The index was designed to be a representation of the full market anyway, and does a good job of that even if something like VTI now’s lets you own the whole US market. All you need is some total international market coverage (VXUS or the like) and you are good to go. 60/40 US/International is the current market weighted balance. Remember that the name of the game for investing is holding long-term in stable diversified positions.

1-Dollar-Doge-Coins

Dividends are not free money. It’s essentially a forced sale of stock. You’re typically still better off with the higher growth of a well-diversified ETF like VT, VOO, or VTI.

terrible-investor

I don't suggest VTI and VT because that's a lot of overlap, as someone already said VT itself is weighted pretty heavily towards US companies but with diversification. It just depends on what you'd prefer, everyone has their own preference. I've been investing in VT for about two years now, its given me peace of mind with all the tariffs and uncertainty going around lately (and before that, as I was skeptical of massive AI valuations), as no matter if the US underperforms, if the rest of the world keeps improving alongside us then my investments will be fine.

farmallnoobies

VTI and chill.  I buy some more every week and don't watch the news

MasterMarf

Honestly, you need to head over to r/Bogleheads and get their advice. They'll tell you to invest something like 70% VTI and 30% VXUS. You want something stable that will grow slowly, there it is. There is no single stock that does what you want. You need a collection of stocks in the from of an index fund, like VTI and VXUS are.

Puzzled-Thought-8401

Since you are just getting started, I would suggest, for the sake of simplicity, to get VT which has both US and international exposures. Alternatively, you could do VXUS (international) + VTI (US), you would then need to figure out how much you want invested in VTI vs VXUS. This set up offers you more flexibility as you pick your own allocation. VT takes care of the allocation between US and international for you. Good luck!

RickDick-246

If you’re early… you’re wrong. Bro should have dumped that $100k in VTI, then VXUS when the tariffs were announced and he’d be sitting at $200k. Congrats on your 1 share of Reddit. Hope it doubles in the next 6 months.

Head-Peak1306

Dont be discouraged. You have to start somewhere. Look at the ETFS i recommend VTI & VVO. You reinvest the dividends and they will grow nicely over time.

Head-Peak1306

VTI & VVO. VTI is total stock market & VVO is S&P 500. Reinvest dividends. If you want to risk a little buy s few shares of IBRX.

MDJR20

You should never own stocks, options or futures. Buy VTI and sit back.

blind_homer

VTI and chill, my man

satellite779

He's already up 21% compared to VTI.

butterflyuniverse77

Thanks for the feedback. ya I put a lot of money in the mutual funds because they felt "safe" and I can't handle too much up and down with my money hahaha... (I had a roth IRA in mutual 2040 fund and over the years did good but yes I am sure it is less return and will be even less returns with time due to the slide toward more bond). I am now thinking to put some more money instead of adding more to 2040 mutual fund, but in like a VTI or VT. I am comparing both. I know VTI is USA and had more returns in the past 10-15 years and VT is international and has been better in the last year. So maybe 70% VTI and 30% VT....

Heyhayheigh

Either approach is fine. VOO VUG, the mix of VTI VXUS. Even a little mag 7 one time buy and hold is ok. No real wrong answers. Just stay away dividends, penny stocks, bonds. And teach the kid to auto weekly VOO once he starts earning and to not panic sell. People focus too much on the “recipe”, when they should be focused on the behavior. I’m not mad when someone goes international exposure for diversification. I just worry they don’t do more auto because of over complication. There is nothing more powerful than having a simple symbol, VOO, and just working hard to increase the weekly. 35, cool see if we can do 40, 50, etc. this is how progress is made. Anything that helps you spend less and invest more = your friend. Anything that adds friction to increasing that auto = your enemy. Overthinking and worrying about the magic secret recipe = common friction.

Crazy-Cat-Lad

Now what would you suggest for my son's UTMA? Right now I only have $200ish (35/week to this) and allocated to VTI and VXUS. Add VOO too or swap?

Tight_One_1400

Asain dad: "*Son...where I come from we called trading by another name. Gambling. And if you gamble - you mother will take off her slipper, and I my belt, and we will decide amongst ourselves who gets to beat the shit out of you first. The only trading you will do, Son, is VTI and studying to increase earnings capability. The only gambling you will do, Son, is gambling on a course or book to improve your skills and earn a higher paying job*"

HipOut

You could have just held in VTI lol

razorgatortt

How old are you? Why not just VOO or VTI? If you’re looking at individual stock, I’d go GOOGL, for 25%

LegitosaurusRex

>Am i wrong for wanting to have 1 million on my account so i can retire early? This has gotta be satire. Of course everyone wants a million in their accounts, the part you were wrong for was where you gambled on options instead of buying VTI.

SteveMcHeave

Couple hundred thousand in checking? Dude the USD has lost like 11% of value and seen like 3.5% inflation in the past year. You've lost almost 15% of your cash value in the past year just letting it sit. At least park it somewhere like Berkshire or VTI if you don't need it liquid, otherwise you're just losing money every day.

EfficientTourist7480

If you want a “safe stock” just invest in like VTI or some broad index fund

tritium3

If it’s a taxable account you can sell and buy VTI to tax loss harvest. You could also incrementally sell it and buy tech stocks that are down now.

No_Current3675

Yo if that ever happens I am selling all of my stocks and buying VTI.

blind_homer

Two thirds VTI, one third VXUS. Let it cook for 30 years with regular contributions (hopefully increasing in size) and you'll be a multi-millionaire. You have US equity overlaps and are missing out on a lot of international. Gold looks gamble-ish.

blind_homer

2/3 ish VTI, 1/3 ish VXUS, 5% ish VGSH or cash

AICHEngineer

"massive" is like -10% measured by DXY after it had an uninterrupted up and to the right rise from 2008 to 2024, part of why stuff like VXUS/VT look sad compared to VTI since they were priced in a dollar that kept strengthening.

notapersonaltrainer

Every other answer in this sub is "VT and Chill". How is sentiment here so miserable after a VT +21% year? 21% is like *3 years* of normal total market gains. And it's not like 2021 where 9% of that was eaten by inflation. Even VTI "only" did 2 years in one. VT is just finally firing on all cylinders for the first time. Does anyone actually do VT and Chill or is this like a meme people say but don't follow?

culturefan

I like MSFT, NVDA, and IBM. I don't know much about JPM. You could always keep them or sell half of them and start a ETF like VTI, VOO or whatever. Keep the ETF around 30% or more of your portfolio.

MomentPrestigious180

VTI: -0.57% VXUS: -0.59% VT: -0.61% See how market manipulators can't even do math right.

Silver-Minute-3907

If you’re holding Fundrise alongside VTI or FSKAX, remember that the underlying overlap means differences in performance are more about fund structure and timing than missing exposure something to keep in mind before making moves.

therealjerseytom

> I was looking at the 3 months and saw a different return on them https://totalrealreturns.com/s/VTI,FSKAX

LOGAN6000

I’ve made 6200. I’m adding 5500. Should I just put it all in VTI right now?

Uniball38

Index funds are only priced once per day, at close of market. VTI’s price changes throughout the day as long as the market is open

Secret_Shart

FSKAX is a mutual fund and doesn’t track prices live. It prices ar closing. So, you’re seeing yesterday’s close price for FSKAX (which was up). VTI is an ETF that tracks live and it’s in the red today. At the end of the day, you will see FSKAX go red as well. Take a look at both at 7pm. They will be almost identical in price.