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VTI

Vanguard Total Stock Market Index Fund ETF Shares

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r/investingSee Post

What to do next? I am running out of ideas

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Problem with Redundancy/ Overlap

r/investingSee Post

Should I invest now or wait?

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23 F advice on my long term portfolio: VTI/QQQM/Costco

r/investingSee Post

Roth IRA investnent recommendation

r/investingSee Post

Is it ok to never have bonds if you start investing early?

r/wallstreetbetsSee Post

Reminder: Just invest in VTI/VOO

r/investingSee Post

Backdoor vs more investment choices

r/stocksSee Post

How are u guys doing?

r/StockMarketSee Post

HELP ON MUTUAL FUNDS

r/RobinHoodSee Post

Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.

r/smallstreetbetsSee Post

Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.

Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.

r/investingSee Post

Capital loss and wash sale rule

r/investingSee Post

Beware of Money Managers who Talk Like This

r/investingSee Post

VTI all the way? Or with SWYMX or SWTSX?

r/optionsSee Post

Poor mans covered Call

r/investingSee Post

I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan

r/investingSee Post

I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though

r/StockMarketSee Post

18, Any thoughts on picks?

r/investingSee Post

Setting Up First Roth IRA

r/StockMarketSee Post

19, Any advice is appreciated!

r/investingSee Post

Help a Slav to start investing ^_^

r/investingSee Post

Riskier assets in IRA vs Roth?

r/investingSee Post

Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?

r/optionsSee Post

Covered call strat on VTI but selling 1-2 year out calls

r/investingSee Post

Thoughts on moving money from Acorns to VTI and /or QQQM

r/investingSee Post

What to do with $300,000 just sitting in my checking account?

r/investingSee Post

Where is the love for VUG ?

r/investingSee Post

DCA or one time purchase?

r/investingSee Post

ETFs in different investing accounts

r/investingSee Post

Saving for potential house - options?

r/stocksSee Post

Hedging against AI?

r/stocksSee Post

VT vs. combo of VTI and VXUS

r/investingSee Post

Thoughts on 31yo investment portfolio - big pay raise next year and questions

r/investingSee Post

100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.

r/investingSee Post

What do you think about this strategy?

r/investingSee Post

Is FZIPX same as AVUV? Looking for Low ER small cap ETF

r/investingSee Post

Looking for advice on my investment plan

r/investingSee Post

I'm creating a portfolio for my brother, any thoughts?

r/stocksSee Post

Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping

r/stocksSee Post

BBUS as a good alternative to VOO?

r/investingSee Post

Where to invest 10k leveraged from CC cash advance (5% fee)?

r/stocksSee Post

Is this portfolio unnecessarily complicated?

r/investingSee Post

As a non-US resident is it worth getting Ireland-domiciled ETFs?

r/investingSee Post

3rd year of maxing out my roth ira. How do my allocations look

r/stocksSee Post

Sell some of the VTI to buy Apple, Amazon, NVidia

r/stocksSee Post

Long term stocks

r/investingSee Post

2 accounts, wondering what to do

r/investingSee Post

Liquidating VUN for a US-equivalent ETF

r/investingSee Post

Looking for advice for my Roth IRA

r/investingSee Post

My annual investing checkup

r/investingSee Post

Thinking about Bond ETFs, especially SGOV and BKLN

r/investingSee Post

Start adding international to my brokerage account?

r/stocksSee Post

Help me out please.

r/investingSee Post

Limited International Fund Options in Employer’s 401K Plan?

r/investingSee Post

Choosing spouses growth stocks for taxable account

r/investingSee Post

Buying security after wash sales

r/wallstreetbetsSee Post

Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.

r/stocksSee Post

(23) Investing in VTI?

r/investingSee Post

Portfolio advice for begginer

r/investingSee Post

Trying to understand investing in SCHD

r/investingSee Post

Question about tax loss harvesting with VTI & ITOT

r/investingSee Post

Investing a large sum into stocks

r/investingSee Post

Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]

r/investingSee Post

Seeking advice regarding AUS trading.

r/investingSee Post

Thinking about a higher growth portfolio for the new year.

r/stocksSee Post

Advice needed

r/investingSee Post

Random question about ETF prices

r/stocksSee Post

Please, your perspective on our shared investment plan?

r/investingSee Post

Investment based on time Horizon

r/investingSee Post

30 year old. What's got the greatest possible potential for returns? TQQQ?

r/investingSee Post

TQQQ + bonds? 65/35? 30 year old

r/investingSee Post

Upcoming Roth IRA enquiry

r/investingSee Post

What is the quality of stock markets in other countries compared to US?

r/investingSee Post

Is it worth staying in Vanguard admiral funds?

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Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)

r/stocksSee Post

Does it make sense to add individual brokerage account?

r/investingSee Post

Stocks just keep going up

r/investingSee Post

Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"

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Mortgage Payoff Strategy - Thoughts?

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Recurring investment portfolio for 2024

r/stocksSee Post

Some things that have helped in my investing journey

r/investingSee Post

Investing for a house in retirement

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With IRAs about to reset for 2014 what are you all planning to buy?

r/investingSee Post

Was gifted a brokerage account

r/StockMarketSee Post

Portfollio allocation after move from edward jones

r/investingSee Post

Max out Roth IRA all at once in Jan?

r/investingSee Post

Question about different S&P500 funds

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Investment Advice: ESPP and Portfolio

r/stocksSee Post

How to reinvest back into the market?

r/stocksSee Post

Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?

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Should I have more diversity with my Investments

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Investing brokerage accounts for my kids and nieces - best course of action?

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Heavy OTC (FOCPX) Position???

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Investing advice for moving around 100k into ETFs

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I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?

r/stocksSee Post

I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?

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Investment Choices for Brokerage Account

Mentions

Just looking for some mild advice/opinions on how much to invest, cash buffers to hold etc in my current situation. **Current Situation** Im 24 Years old from the Netherlands, making a little over €2.7k After taxes/Pension fund etc / month in my first job with good growth potential. Currently living at home I'm able to save about 1.7k/month. I Own two cars (one beater, one car being my hobby -- hence the expenses towards insurance/tax). **Expenses** - Car Taxes €404/quarterly -- €134/mo - Health Insurance €165/mo - Car Insurance €155/mo - Fuel, €180/mo (bless cheap fuel in germany) **Goal** Current goal is saving up for moving out in the near future with a timeline of 3-5 years. My risk tolerance is according as it would be nice to move out within this timeline. **Current Holdings/assets** - Cars ~20k - Savings ~8k, + 1.2k/month currently - ~1.5k Worth of stock/ETF's, currently investing ~€500/mo at a roughly 50/50 split planning to up it after reaching desired cash buffer. AMD/NVDA/ASML/VOO/QQQ. **Current Strategy** I'm thinking of holding a cash buffer at either 10k/15k and after that putting most of the saved money towards investing, giving me a good immediate risk buffer but still managing to not be screwed by inflation. For investing I want to put some money into VTI and then keep it about 50/50 the same stocks/etfs from there on.

My dad was an internist. He was kind of pushed out of his job, and two miserable weeks later he was dead. He loved his job. If your dad loves his, and he can still do it well, then by all means, don't discourage him. I think the porfolio is too complex. I'd lose real estate, and the small cap value and i might not bother with emerging either. I'd add that to VTI.

Mentions:#VTI

I went with VTI.

Mentions:#VTI

Dump it all into VTI and never look back. Sure it might drop in the short term but over a period of 20 years, it will have big gains. If you will need this money in 5 years or less, I would say a money market fund right now isn’t bad. It’s yielding 5% or so, so about 5k a year. Of course, the risk is that 5% could drop whenever the fed decides to lower interest rates. But a money market fund will not lose money. The upside is capped though.

Mentions:#VTI

You and I can VTI, maybe become vxUS later~

Mentions:#VTI

in particular, open a vanguard account and regularly imvest into a broad low-cost fund like VTSAX, which is a mutual fund. you need to invest an initial $3000 for that mutual fund (and many other mutual funds) but there’s an ETF version of VTSAX, which is VTI: https://investor.vanguard.com/investment-products/etfs/profile/vti

Mentions:#VTSAX#VTI

The advisor would probably just make a basic projection of your opportunity cost and you make the decision. You're paying for that peace of mind, that's all. Some people think it's an expensive price to pay and are confident in having 3-6+ months of savings in an HYSA + backup plan of selling equities to get them through is more than enough. I'm sure you could look back and crunch the numbers yourself, just look up VTI at any point in time you paid more on your mortgage instead of investing, and then see how much money you would have now if you had invested in the markets instead of paying down your mortgage.

Mentions:#HYSA#VTI

I think a total US Market fund like VTI and an international fund like VXUS approximates the diversification of the TDF without the fees or bonds. You could do something like 80% VTI/ 20% VXUS if you are more skeptical of international. I’ve dumped by TDF and done something similar. Let’s check back in 25 years to see if it was the right play.

Mentions:#VTI#VXUS#TDF

Wow, I really really appreciate that. Thank you so much. With that being said right now I plan on doing 50% VOO 35% VGT, QQQ, MOAT, VTI, and AIQ and then 15% BETH which is crypto since I am young and believe in it long term. Do you have any input on that?

VOO/VTI. Dont hold a bunch of cash solely to wait for a crash

Mentions:#VOO#VTI

No way! I didn’t know it was possible own like .2 of a share lol that works for what we commonly see here? VT, VOO, VTI etc?

Mentions:#VT#VOO#VTI

1. Fidelity, Vanguard, Schwab - all about the same. If you already have an account with one of them, just open one at the same one. Otherwise you could maybe look up videos of the interface and decide which you like best or pick at random. 2. For the most growth, you’d have to be able to tell the future. Buying a mutual fund or ETF in the S&P is generally considered a great option. Individual stocks aren’t a great plan when planning for the long-term. You could get lucky and score big, but you could also easily lose it or not grow at all - it’s just more risky. 3. In Vanguard, VTI or VTSAX are great options. For Fidelity, FZROX. Just put it all in one of those and don’t touch it (don’t even look at it if you don’t need to). You can search those funds in this sub and see what others say, get other ideas for other funds. 4. Nope, fees are in the expense ratio, so you want a fund with low ERs. If your income for 2023 was $4k and that’s why you chose $4k for the 2023 contribution, great. If your income was higher, may want to designate $6.5k for 2023 and $3.5k for 2024 so if you happen to come into extra money later, you could still put in another $3.5k.

Dump LCID and TQQQ, roll those into VTI

Technically, lump-sum investing outperforms DCAing (where you're describing DCA) 66% of the time, and this is because most of the time, the market is going up. So by putting it in all at once, you don't end up averaging in at higher stock prices. However DCAing is perfectly acceptable. Imo I think it's fine to throw all 27K into VTI (tbh I would say VT is better for international diversification but that's up to you). And then keep on adding to it.

Mentions:#VTI#VT

Their primary goal is income. Income into your Roth is useless and counterproductive as you want your money in the market. Basically a hedge philosophy will always underperform the market when it is going up, and the market has been going up and will go up over the long term. When you are 70 and would like to draw some of your money out of the market each month, then consider something like this. FXAIX I assume... since SFY appeared April 2019, it outperforms VOO 90.23% to 89.64% to FXAIX's 89.4%. Basically, don't think this way. Expense ration is a trivial thing. Personally I would never buy a mutual fund like FXAIX when ETFs like VOO are available. I've never paid attention to SFY, and on the surface it would seem better with no fee, but its AUM and volume are less than 1% of VOO so the market hasn't embraced it for some reason. Bottom line, right now give "Right now I’m mostly invested into VGT, VTI, VOO, QQQ, and BETH", stop thinking about trivia like this expense ratio stuff and focus on VOO vs VGT vs QQQ thinking. Those are substantial decisions that will matter far, far, far more than the relative pennies in expense ratio differences.

OK one follow up question for ETF investing doesn't ETF only work better if you are doing it on a monthly basis and putting in some money every month because if I buy a ETF in bulk then what exactly is the point i'm basically buying a stock at a price and whether it goes up or not depends on the overall market condition but it seems to benefit from the low prices when there is a correction or something like that I need to buy ETF every month to gain by averaging down .. right? So if I said all my positions now and I get 27,000 from it are you telling me I should throw all of that in VTI or should I spread it out over a few months and throw it into VTI I was also thinking of QQQ because that would be more aggressive in terms of growth right??

Mentions:#VTI#QQQ

You should come to the conclusion that an ETF or two is probably the best bet. Just stick it all in VOO and/or VTI, QQQM, VTI, or VT and then leave it alone until you're an old piece of shit.

I will say temperament of an individual matters a lot. If your instinct screams at you "buy more" when something goes up and "sell everything" when something goes down, just stay the fuck away from trading forever, unless it's like $100 in a side account every year. I know people like this. Even telling them "VTI and chill" isn't good enough because a month later you find out they watched a bunch of YouTube videos and sold everything for T-bills and GLD. Just Boglehead that shit and literally never check your balance until 55 or so, or get a lifecycle find and get a hobby. If you have an actual committed strategy that you backtested and you have quantified risks, that's something different, but let's be real most retail peeps don't do that shit.

Mentions:#VTI#GLD

Hey guys I’m 18 years old and have 2 questions about investing into my Roth IRA. I max it out every year. I know the decisions I make now massively impact the dollar amount at my retirement. Right now I’m mostly invested into VGT, VTI, VOO, QQQ, and BETH. What am I missing with Neos’s SPYI. I’m pretty sure it seems to good to be true. It says you get the returns of the S&P 500 as well as a few extra percentage points from their covered call strategy. However my SPYI is up less than half than that off VOO. I know the expense ratio is also quite high at 0.68%. On paper it seems like I should switch my voo into spyi but I’m pretty sure that is not the case. I could use some extra insight there. Secondly, as I said before I hold a lot of VOO. I’ve noticed that FXIAX has half of VOO’s expense ratio. This would make a 10,000+ difference in my portfolio at age 65. Furthermore SFY has a 0% net expense ratio but a 0.19% gross ratio. While I know the net ratio is the the one that matters, it also seems to good to be true. That being said, is there anything I am missing or should I switch all my voo over to FXIAX or FFY? Thank you for your time.

22 years old here and live In the us. I make 85k a year and am looking to purchase a house within the next year. My risk tolerance is somewhat moderate. I currently have 45k in a fidelity money market fund with a 4.45% return, 15k in a fidelity 401k retirement account and another 7k in a Roth IRA with a 15% return over the last year and 7k as an emergency fund in another account not accruing interest. I do have a 29k truck loan with a 8% rate that I stuck myself into last year and 7.5k in student loans with a 3% rate which I am planning to pay off all of it soon so I can start saving even more. After I pay off my debt, I am wondering where to invest that will provide a generous return higher than 4.5%. I’ve been looking into the fidelity bluechip growth fund and a couple others along with VTI. What would be the best thing to do? Thank you!

Mentions:#VTI

Thats why many say buy a giant chunk of VTI. Personally im 66 VTI and 33% VGT

Mentions:#VTI#VGT

was looking at super micro computer in 2021 and decided to buy VTI instead to be a safe gey ber ![img](emote|t5_2th52|33495)

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Sell it 100% & dump that money 100% in VTI

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If you had a million dollars to invest at 31 which avenues would you try? So far I’ve just been doing VTI which has worked out great but I feel like I should add more risk and diversity in what I’m doing. Or at this point would you just stick to the stock market? I’ve explored rentals and just don’t get excited about it.

Mentions:#VTI

not too late to change over to r/Bogleheads and start over. \*chuckles\* Rivian among many new EV start ups are getting their nuts slashed. My dad said to look at it in the big picture. even Lucid ( I love lucid but i wont put money in them yet) dont offer anything really new to the world they are selling into. meanwhile TSLA has their bases covered with the charger contracts and making their cable standard... id put money there and split the rest between the "most mentioned" tickers here in WSB if you wanna have fun. if you want to be a dull man then you wont go wrong with VTI or VOO or QQQM

In my Roth IRA and Roth 401k, I never do. I stay with the VOO, SCHD, VTI etc. In my Robinhood I trade daily, but I treat my RH like a lottery ticket with options, my Roth accounts I set and forget. Those are for stability and it’s all ETFs until 59-1/2

Mentions:#VOO#SCHD#VTI

Honestly these picks are so terrible that I'd advise first becoming a Boglehead like the others are suggesting (e.g., buy VTI). You can read the The Bogleheads' Guide to Investing, one of the very first investing books I ever read, to understand why this is the best default option for most people. I see you invested over 100K---even if you invested that amount at peak bubble territory but in an index fund, you'd be 88K richer than today. Then, if you want to learn about stock investing, I generally advise reading/consuming as much of you can about fundamental analysis. Here are some ways I learned a lot: - Watched Aswath Damodaran's various lecture series on corporate finance / valuation / discounted cash flow analysis. Read some of his books. - Read other people's DD on Seeking Alpha, Value Investing Club, (free) Substacks (be selective here) - Read the financial papers on a daily basis (Bloomberg, FT, WSJ are my favorites) - Follow high quality people on Twitter--NOT those who post technical analysis (chart reading nonsense). NOT those who only talk macro. Or are just selling you something. Or dooming constantly. Lots of accounts post really high quality DD. The financial journalist crowd is also good (Conor Sen, Joe Weisenthal). Or read the various investing books recommended on the sidebars of /r/stocks or /r/investing. I read a book recently I liked, "The quality growth investor" by Long Equity (a guy on Twitter). Was a bit too basic for me but I think it's a really nice starting point and a quick read (< 3 hours) for someone new to fundamental analysis. Point is to do all of this *before* you start throwing real money into these very very risky stocks. You would then at least have an intuition that these stocks were bad investments just in a handful of seconds. And even when you buy individual stocks, you should aim to have it be like 5-10% of your overall portfolio. Diamond-hands is good if you're invested in higher quality businesses. The various famous quotes like 'Be greedy when others are fearful' or 'Time in the market vs timing the market' are often abused by people to justify the worst investments in existence.

Mentions:#VTI#DD#FT

I’m also 20 and my roth is 75% VTI, 15% QQQM, and 10% VXUS. VTI is for US growth, QQQM is exposure to large cap tech, and VXUS gives international exposure. I would recommend just buying shares of VOO (tracks S&P500) or VTI (basically are the same). Just keep adding to it each year. You can either buy all 4,000 in at once (called lump sum), or put a bit in each week/month (called dollar cost averaging). Technically on average you get a better return just putting it all it at once, but if you want to be a bit safer you can dollar cost average.

If you want to have exposure on medium or small-cap stocks, then yes. VOO only focuses on large cap, S&P 500. Personally, I carry both VOO and VTI. For long term, it doesn’t make a lot of difference.

Mentions:#VOO#VTI

The long term correlation in returns of VTI and VOO is nearly 100%. There is no benefit to one over the other in returns so why buy both. This is basically because VTI is 86% VOO with 14% smaller stocks thrown in. I’d personally just go with VTI but there is little difference.

Mentions:#VTI#VOO

I put my last year and this year into VOO. Starting contributing to my wife's for this year, and was wondering if I should just keep going VOO or add in any VTI? Is it worth having any diversification? Or just keep dumping into VOO?

Mentions:#VOO#VTI

Congrats to your parents on living the life they want. Not everyone can appreciate the desire to work well past the normal retirement age on a job you love. Part-time is not a bad option. A little more free time and still have a hand in the job one loves so much. Win/Win In regards to the proposed 5M portfolio, I see a number of issues where things can be improved. First of all investing in international stocks is really not diversifying. It's making the Portfolio underperform over time. [The track record of International stocks compared to USA stocks is poor.](https://swingtrader.trading/2023/09/18/international-stocks-track-record-is-not-good/) Also the Bond allotment seems excessive. The choice of VTI for the diversified USA ETF is great and having a small cap ETF to go with it is smart too. I would propose: VTI - 70% IJR - 10% (small cap blend) BSV - 10% BIV - 10%

Yeah well established stocks in the large value phase aren’t going to appreciate 1950%. Theres a reason they’re value stocks and not growth stocks. The growth stocks in their initial growth phase has a chance to reach 1000% or more, and not paying a dividend during the initial growth years are a huge factor why. See google, tesla, amazon and really any well known stock before they plateaued in their growth. Even if you got in late on these stocks, they still would have paid out well. Even just the last 5 years of growth in share price has shown significant price appreciation, much more than what an established stock like XOM even with dividends has appreciated. Now I’m not saying chase growth stocks but I also don’t chase dividends either. I invest in VTI, total market and am quite happy with the returns.

Mentions:#XOM#VTI

I'm buying schd and VTI and will move to nsdq when tech pulls back

Mentions:#VTI

I haven’t played with the Fidelity robo advisor myself, but I’d guess that 100% VOO or VTI (echoing the other comment that they’re so similar you should just pick one) is almost exactly what the “aggressive” strategy will be. If it’s not that, it’ll be Fidelity steering you into their higher cost actively managed funds, which are a waste of your money.

Mentions:#VOO#VTI

66% VTI and 33% VGT. VGT gainrd like 40 something percent

Mentions:#VTI#VGT

VTI, trust that your classmates will make mistakes and just let the market carry you to victory

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Get out of individual stocks and into ETFs or Mutual Funds. VOO, VTI, VT, that sort of thing. You and I aren’t going to beat the market. But the great thing is that we don’t have to. We can use index funds to match the market’s performance with very low expense ratios and beat most of the money managers and hedge funds out there.

Mentions:#VOO#VTI#VT

VOO is a very large subset of VTI. About 85-ish% of VTI is exactly VOO. They serve a very similar purpose, exposure to US equities. VTI is the total market, which includes a portion of mid and small cap companies. My thought is that you may as well just own it all with VTI. If you wanted more control over the extended market, it makes more sense to go VOO and VXF over VOO and VTI. If you want just the S&P 500, then all in on VOO.

Mentions:#VOO#VTI#VXF

How are you not eligible for a SEP Ira? I’m self-employed and have a SEP. 46 is a bit late to be jumping in. Which isn’t to say, you shouldn’t do it, it’s to say to other people reading, he should’ve done it earlier. Off the top of my head I would recommend: VOO VGT VTI And because this is a bull market, that is highly speculative and rewarding to AI, I would suggest either getting an AI or chip ETF. Or simply buying one or two big names. It’s riskier, but this is a bull market. And it’s timing a bull market that I’m suggesting. But you’re starting late and it could give a little boost that you need. But the three ETFs are solid choices in any case

Mentions:#VOO#VGT#VTI

I have 60% of my portfolio in VTI. I have 30% where I gamble with(all in on NVDA right now) and I keep 10% liquid in case GME starts acting funny…

Mentions:#VTI#NVDA#GME

Put it in a Roth IRA in his name, even if you don’t invest it. He can pull the contributions out any time (not the gains) and money in a Roth is ignored on the FAFSA, but cash and taxable investments are not. If you have a cash emergency fund and aren’t maxing out your Roth/and other retirement accounts, I would start moving cash there now too. The system is designed to encourage people to save for retirement, so there is an incentive to limit your reportable assets, otherwise the Fafsa will treat you the same as someone making more but saving more. Know that some schools are wise to this strategy and may have you file separate financial statements that include disclosing retirement accounts. Mainly big private schools that have tuition remission/grants based on family income. If he has a shot at a top 20 school, this is likely a factor, but probably won’t come up at most state schools. If there really are gains, he may still be able to access them while in school since he’ll likely have “qualified education expenses” assuming he doesn’t get a scholarship, but ask a CPA before counting on that. As for the short investment time, he’ll probably want to stick to short term bonds or treasuries. Keep in mind he’ll be in school for five years, so he could stretch the window by using pell grants and student loans (if the rates are low enough) in the first few years and the Roth money in the last year but that’s still only 6 or 7 years, and it may not be worth the risk and interest. If he’s going to try to stretch it and use stocks, I would stick to a very broad index fund (one of VT/VTI/VOO or comparable) and discourage individual stocks so he at least has diversification, though it is still inherently risky to invest money you need in less than 10 years.

Mentions:#VT#VTI#VOO

If you've made up your mind, why ask a question? Personally I'd just invest in VTI. I don't understand banks well enough to invest in them not even taking into account how bad of an investment most banks are. And China - yeah, no thanks. Not interested in investing in a communist country with shady business laws and a government that can shut a company down whenever it chooses.

Mentions:#VTI

What one person would call "diamond hands-ing" others would call "holding turds." I'd sell it all and go 100% VTI. You're down almost 80% while the US market is up over 40% in that same timeframe.

Mentions:#VTI

why not VOO? I want to invest around $4000 and was going to put a large chunk of that money in VOO because of low expense ratio (when compared to SPY) Sadly VVO isn’t on Robinhood and I’m new to trading so I’m not too familiar with difference between VOO versus VTI/VVO, unless you might be willing to explain why I should pick one over the other?

Mentions:#VOO#SPY#VTI

VTI, VVO, SPY, the typical boring stuff lol. I’ll do those crazy stocks when momentum is in favor for it. Im waiting on Reddit to IPO.

Mentions:#VTI#SPY

Ok potentially dumb novice question. I know very little about investing, but I have a lot of VOO, VTI and VYM. What’s the basic explanation for all the green over the last few months. Not complaining *at all* but it just keeps being green almost every day. I’ve taken a bunch of profits and have a more than adequate emergency fund. I’m prepared for a bunch of red at any time, just wondering what the basic reasons are.

Mentions:#VOO#VTI#VYM

I'd pick one or the other. 100% into VTI is a great way to start out.

Mentions:#VTI

They should change VTI ticker to NVDA

Mentions:#VTI#NVDA

Keep the vast majority of your money in low cost broad market index funds like VT, VTI, VOO, etc. If you feel like you want to buy some individual stocks, accept that you are overwhelmingly likely to underperform the index funds and limit yourself as far as what percentage of your portfolio you will keep in individual stocks (I'd suggest something like 5% of total portfolio). If a potential 13% loss is bothering you, I'd suggest that you not hold individual stocks at all. I can't tell you how many I have held for months-years that were down further than that.

Mentions:#VT#VTI#VOO

Haha yea. Market is unpredictable. I stopped taking positions years ago. Put it in VTI and fughed about it

Mentions:#VTI

I don’t care just VTI

Mentions:#VTI

You need to just dump all your money in the ETF VTI and never think about it a single company ever again.

Mentions:#VTI

VTI. That’s all you need

Mentions:#VTI

1.) throw $209k in a HYSA 2.) Set up automatic transfers towards the mortgage each month from that $209k savings. 3.) Set up a second automatic transfer of $348, from the HYSA to your brokerage account 4.) have half of that $348 money auto invest into VTI 5.) send me the other half 6.) set a reminder for 27 years from now. in the meantime pretend like you paid off the house in cash and also that someone is paying you half of $348 just to be you

Mentions:#HYSA#VTI

People long S&P 500 as it generally trends upwards long-term. So why not sell when you have made some gains (as little as 0.1%) to lock them and buy back right after or when it dips? And then do the same thing again. Yah, timing the market with individual stocks, esp volatile ones, is dangerous, but my premise is that VOO/VTI will continue going up (with some dips in between) unless some major financial/global event takes it down.

Mentions:#VOO#VTI

I allocate a fraction of my portfolio for short-term trading, partly for the adrenaline rush. However, in hindsight, I realize I would have been better off investing everything in VOO/VTI and forgetting about it. Yet, the quirks of the human mind prevail, haha!

Mentions:#VOO#VTI

He definitely aligns with "greatest generation" values. Really? of the equity portion, VTI isn't super low. Though maybe too much intl? Not a popular thing to say, I know.

Mentions:#VTI

The composition is complex because it's taking multiple accounts into consideration. But it's mostly QQQM 40%, VTI 40%, VXUS 20%.

Problem is your looking at past p/e and trying to time the market . But now and cost average and your golden . Don’t get what is so hard . If you don’t know what to do , just incest in SMH or VTI or something . Cheers

Mentions:#SMH#VTI

Bought the dip on Tuesday. Up $500ish on 5 shares. But yeah, 98% in VTI and VT.

Mentions:#VTI#VT

And that's what I do with my Roth IRA, I max it out and put it into VTI and that's it. And you know what 3 years of sacrifice and saving has gotten me with my roth? 2k in gains. Over 3 years. That's it. I don't do options plays with money that I need to survive. It's only money that I have in the savings account after everything is taken care of. But I grew up fairly poor. I know the value of money. It just kills me inside losing money and having nothing to show for it. I could have gone on a really nice vacation for 8k. I could have gotten a nicer car. I could have eaten out at a nice restaurant twice a week for months on that kind of money. And yet here I am, stupid as fuck, nothing to show for it. Money that's gone forever and will never come back. Sure, I'll make more money, but the amount we make is finite. And when I die, if you were to look at a running total, that 8k is gone forever.

Mentions:#VTI

>I don't know what the better move is. 30% Russel 5000, 30% DOW Jones, 30% 5.0%+ Certificate of Deposits? Or you know stop trying to beat the market and own the market: VTI >QQQ is probably overvalued as well but it has a broader market picture than S&P 500 What led you to that delusion. S&P 500 is tech heavy but it is 500 companies about 38% tech. QQQ is 100 companies and about 57% tech. QQQ may be many things but broadly diversified is not one of them.

Mentions:#DOW#VTI#QQQ

Was going to suggest ADC but you own some. I feel like the current price is at a good entry point for long term returns plus the dividend pay out is good and definitely look into more ETFs that follow the sp500 like VTI, DGRW, VOO, ONEQ and many others.

Google "VTI" and zoom out to 5 years. Do you see all of those dips? How many people do you think thought they were going to ride the waves and stay out during the drops, I wonder? A lot of things can happen. Another war may break out, cutting off a key import... Maybe another pandemic will start? I don't know you personally, but if you can't imagine scenarios that could cause the market to crash I would advise not playing the game because you don't understand the risks of it.

Mentions:#VTI

Yes, more like days-trading because 1) VOO/VTI seems to have been recovering after a few days (at least for the past 6 months) and 2) with $250k, I don’t need a huge % increase, which could make it “easier” to sell. I guess I could lose if it stays in red for weeks, but what could happen that causes it?

Mentions:#VOO#VTI

> Having watched how those two move for the past year, it seems like it could work if I sell even after a 0.1% increase, but I do realize there is always a risk with stocks. What do you mean by this? Like you would literally make a sell order on your brokerage in case VOO/VTI goes up by 0.1%? Why would you do this? Are you literally trying to time the ripples in the index fund? Putting money you may need 2 - 3 years from now into the stock market is already risky... but day trading is on a WHOLE nother level.

Mentions:#VOO#VTI

That’s a valid concern, and I appreciate you bringing it up. I was just wondering what could happen that causes a huge crash on VOO/VTI within a few days. The trend has been about 2-3 days of red and then green for a small increase, so I’m looking to hold for just a few days to a week at max. Is it still too risky?

Mentions:#VOO#VTI

My children will have a cost basis set on the day they inherit the security. That aside don't forget about the time value of money. I'm also an index investor, VOO/VTI, there is nothing to buy and sell.

Mentions:#VOO#VTI

I only have a few left--and I'll just hold onto them at this point. I made a few thousand off a couple hundred bucks already. It's just so hard to believe, frankly, that it could go up so high, so fast. I put all my proceeds toward VTI, so it's still exposed to NVDA, somewhat.

Mentions:#VTI#NVDA

VTI is also hovering around levels from two years ago.

Mentions:#VTI

Honestly considering selling my huge VTI investment (large as a percentage) and putting most of it in VONG.

Mentions:#VTI#VONG

Yes, this is for long term. I have a high-yeild savings that stays where it is. I had a fidelity Go account, but the automated investor chooses similar ones anyway. I have an HSA account and I also have too many ETFs in it rather than just sticking with a total stock market fund like VTI.

Mentions:#VTI

No. I've been investing since 2022. I started using the empower app on January 24. I just linked my account and that's why the shard looks like that. This is my 90 days against the S&P 500. I'm just DCAing into QQQM, VTI, VXUS. QQQM was added lately.

Have an emergency fund of expenses for 6 months, pay off any high interest debt (5% or higher), max out 401K, IRA, HSA, other tax advantaged accounts. Invest any leftover into a market ETF like VTI. That's a solid foundation for investing.

Mentions:#VTI

26 YO. Looking to begin investing with a personal brokerage account. Prefer funds or ETFs, do not like single stocks. My employer 401k is in VTTSX - Vanguard Target Fund Roth IRA is 50/50 between SCHD & SPY. Would there be overlap between my holdings and holdings such as VTI, VOO, VT?

Idk why I ever bought VTI, VOO is a constant better performer.

Mentions:#VTI#VOO

If you have the option, contribute to the match % of your company's 401k Max your Roth IRA Max your HSA Max your 401k When determining your portfolio mix, decide what your risk tolerance is. Do you need the money in a year, 3 years, 5-10 years? This will determine what kind of investments you should be investing in. Initially, while you're still learning, resist the temptation to join the hype on individual stocks (see SMCI, GME, PLTR, PYPL, etc). Stick to index funds until you have a better idea of the market and can stomach seeing your numbers go way up and go way down. A popular strategy is 100% VTI or VOO. These are Vanguard ETFs with extremely low expense ratios that match the US market index (essentially mirrors SP500 performance). These can be traded on any platform, so use your brokerage of choice. Don't try and day trade (ie don't constantly try and buy and sell when prices are low/high). You should be buying a set amount every week/month and letting it grow overtime. Enable Dividend reinvestment on your brokerage to allow your stocks to grow even more over time. Eventually you'll know enough to start exploring rebalancing your portfolio. I'm currently: 60% US Equities (SP500) 25% Tech/Growth 10% Individual stock picks (pick companies I like or good value) 5% Small Cap (companies outside of the SP500 with less than $2 Billion market cap)

IMO Reduce the international exposure. The main purpose is to hedge against US downturn, but in retirement bonds should already accomplish that. That ratio is 60% US, 40% international. I'd do 25% VTI, 5.8% DFAI, and 2.8% DFAE (This would result in 74% US, 26% international) or you could even just drop DFAE IMO the expense ratio is too high anyway.

Crossed the 200k milestone in December. And just crossed 220k today. VTI/VGT and chill boys!

Mentions:#VTI#VGT

Depends on what you want. VTI is often paired with VXUS to have a holding of both total local and total international. Though at that point you could just hold VT.

Mentions:#VTI#VXUS#VT

VOO/VTI & chill.

Mentions:#VOO#VTI

What’s a good pairing with VTI?

Mentions:#VTI

> what about 5 years from now even the most conservative ETF gurus recommend a yearly rebalance. Why is everyone’s go to argument, what about [huge future time frame]. If you are going to invest in single stocks you necessarily have to be more observant and reactive than if you’re socking away in VTI 100% and going into a coma for 25 years until retirement. If you don’t want to do research or legwork then it’s not for you. But VOO/SPY dip as well. Look at their charts. Oh no, we hit a bear market. What do you do? Probably nothing. But if you’re a company investor you need to read earnings and analysts etc. higher risk, higher volatility, potential higher reward. Everything was down yesterday. Nvidia is up 15% today. VOO is up 1.62% today. There’s a reason ppl are in the space. Will it be stellar in 5 years? No one can possibly know. But the last 10 years, including this year, it has beaten VOO by an enormous margin. 157% vs 26% over 1 year. I don’t begrudge anyone in VOO and I am too. But it’s not even an also ran by comparison.

Mentions:#VTI#VOO#SPY

First, your portfolio. You’re getting comments like “Why BSV/BIV?” and “Why not almost all VTI?” Not every portfolio has to look exactly the same, and you’re also old enough to remember several instances when a huge stock position would have been devastating. You have a diversified, balanced portfolio made up of low cost index funds. That is better than 90% of people out there. Second, your financial plan. You really need to retire and enjoy the fruits of your labor. I get that it is hard to give up a steady salary and the identity that comes from work, but you don’t need either. The one thing you’re not accumulating is time. Spend it with your wife and family, do the things you love, and understand that you’re still going to have a lot left in the bank when you kick the bucket.

Mentions:#BSV#BIV#VTI

Without knowing your short term goals, it’s truly impossible to judge your portfolio. Risk averse? I mean it looks good, but if you’re gonna work for 7 more years might as well take on more risk and increase VTI exposure. Retiring tomorrow and traveling the world? At 5 million you could spend 150K a year and not even break the 4% SWR.

Mentions:#VTI