VTI

Flayum

No worries. Taxable account like a regular brokerage, not a retirement account. So first, VT is thought to be better than VTI+VXUS because it auto-balances the US (VTI) and Non-US (VXUS) proportion. So more efficient/easier for the investor. BUT: VXUS and VT both have dividends. The foreign parts of these (all of VXUS and 65ish of VT) are taxed by other governments. The IRS gives you a tax credit to make up for this in VXUS, but not VT. So in a taxable account, it's better to have VXUS (+VTI) instead of just VT. In a retirement account (including an IRA), the IRS doesn't care what happens inside and doesn't tax those distributions so there's no credit to give. BUT you already paid taxes to those foreign governments (before you even got the dividend). So you might as well use the simplier single fund: VT.

deebo_dasmybikepunk

Over the last 2 years VT and VTI are the same

GMVexst

"*Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO.*"

GMVexst

No. You are confusing safer with better. They are different. And while diversification is considered a good thing, over diversification is real and there is diminishing returns after a certain point. Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO. At the same time - the S&P 500 has performed significantly better than Total World over the last 30 years. And sure that could change any day, however it's quite ignorant to assume more diversification is always better when VOO is already diversified and also statistically much better.

D_Pablo67

Dollar cost averaging into VTI is fine. I also like VOO and QQQ. The key is to invest on a schedule instead of lump sums once a year to limit the impact of market volatility.

---Hummingbird---

I’m looking to pick all of your brains a bit and let Reddit do what it does best to give me a lot of ideas/perspectives with the upvotes showing me the preferred routes or at least where to start looking more. \-I have no investing background \-I’ve had three calls with front-level investing reps, but they can’t make recommendations, so they’ve only given me minimal general information \-I’m SPECIFICALLY looking for information to guide UTMA accounts I have 6 UTMA brokerage accounts that I’ve JUST started (all of the accounts should be under my control for about 15-21 years depending on the child. I plan to put in $850 total per month split in the accounts. I am looking for high growth with as little risk as possible (well more so keeping it responsible risk), but if the accounts went to zero it would not be the end of the world. I chose the UTMA accounts rather than a 529 because each of the kids gets 8 years of tuition waived. I’m open to the 529 if it’s significantly better, even with my kids having the 8 years covered, and doesn’t require a ton of hoops to convert to Roths. Ideally I want to accounts to benefit my children long before their retirement age. I also want the accounts to stay in the children’s names for protection against any divorce potentials.. although I don’t foresee that being an issue. I am still trying to rapidly piece together the best plan, but I have currently invested the first month’s money in a 60% VTI, 20% VEU, and 20% QQQM portfolio. I have since done a little more looking and Google ai seems to think QQQM is more risky for taxable accounts, but I’m not sure why or how yet. So my main questions are: 1 in a taxable UTMA account, would it be better to just consolidate the QQQM future purchases to VTI? 2 is VEU even worth holding on top of VTI if the account is not detrimental to retiring? Or in other words, if the VTI is likely to perform better, is it worth just focusing more/all into that and cut out the extra diversification that may not return as well? I don’t mean to offend anyone by the choices I’ve made so far… I am not hard pressed on these choices, so if I’m completely wrong… I’m highly teachable. I’m primarily looking to do the same investment each month for 20 years without having to watch and understand markets. I don’t need to make millions, but the more.. the better (within reasonable risks). Thanks a ton! My kids will appreciate it!

PartialDischage

VT is the equivalent of holding 60% VTI and 40% VXUS. If you have any international and small caps in your portfolio you probably aren't that much different than VT.

jigmepalmo

Yeah, doesn't matter much. They are both market-cap weighted so you're just getting a teeny tiny diversification of smaller companies with VTI compared to VOO.

ArtisticAside8224

I own and sell puts all the time to pick up some more due to the volatility. Growing internationally and they have no competition at all. I only 8 stocks - most of my portfolio is VTI - and this is one of the 8.

allirxse955

I used to be in the same boat as you, constantly scared to put money in the market because of the “what-ifs”. Every month I’d look at my savings funds and research stocks for hours looking for the next “big hit.” I’d open my brokerage account to buy, get scared, and instantly put it all in my HYSA instead. The way I got over this was forcing myself to invest. I’m not sure how much money you’re ready to invest, but for me $50 a week felt like enough to get my feet wet comfortably. I set it up to instantly withdraw every Monday to my broker, and each Monday I put $50 in either VTI, VWO, or VEA (75% of the time it goes to VTI, the other 25% it goes VWO/ VEA.) I went from being scared to invest to having $400 in my broker in less than two months, because once I started the recurring purchases, suddenly it was no longer scary to put an extra $50+ in one of those funds every now and then. Tl;dr - set up recurring deposits and pick a basic broad market fund to invest in and forget about it. Once you get your money in the market, you’ll feel more comfortable putting more in. Best of luck to you!

edoceo

Check out the sub called Personal Finance. They will tell you the steps are basically: staring with HYSA -- High Yield Savings for the close-to-you-liquid-assets. And then pick your favourite broker and purchase some VOO, VT, VTI which are vanguard index funds. Stuff your money and your grandfathers money in there and then let it mature.

FrenchFryNinja

Yeah. With the recent news I’m glad I went 60% VTI and 30% VOO

drew-gen-x

If you look at $VTI, ($SPY), $VXUS, $VT, and the $QQQ charts, the Nasdaq is the only index close to falling below prior support levels. If I was a bigger gambler I would buy $QQQ, but I'd rather take my shot buying $SOXX at $498 if it retest support. I did buy $VXUS yesterday at near the same price as it is now so I guess I did take 1 shot at a bounce into close today.

drew-gen-x

And yet $VTI, $VT, and $VXUS are all down less than a quarter percent today. Cash holders are still winning. /sarc

Stock_Cake_5889

So I've been putting small amounts into fractional shares for a few months, mostly just buying whatever looked good that week, and I finally sat down and looked at what I actually own. It's a mess. (side note: I am using Robinhood) **Current holdings:** |Ticker|Shares|Price|Value|%| |:-|:-|:-|:-|:-| |SMH|0.127803|$578.79|$73.97|31.1%| |QQQ|0.0992|$691.67|$68.61|28.9%| |VTI|0.081257|$365.11|$29.67|12.5%| |SCHD|0.762104|$32.83|$25.02|10.5%| |SPY|0.026723|$738.97|$19.75|8.3%| |VOO|0.021806|$679.23|$14.81|6.2%| |NVDA|0.02824|$207.18|$5.85|2.5%| |**Total**|||**$237.68**|**100%**| I'm fine taking on a moderate amount, I'm not trying to be super conservative at my age. But I also don't want the whole account riding on semiconductors. I'd like most of it to be something boring and steady with a smaller portion that has more upside. What do I keep? What do I drop? What should I buy? Any input is appreciated. I plan on putting in $50 a month, and $1000 next month.

psychohistorian8

I use VT for the built-in international allocation some people like VTI/VXUS so they can control the specific spread for international

cognitiveDiscontents

Buying VOO or VTI would be your best move unless you learn a whole lot and even then it is still likely the best choice. QQQ is a tech ETF. VOO is the 500 biggest companies in the US, which right now are dominated by growth in tech. I would put most in VOO and dabble in sector etfs like QQQ or individual stocks with a fraction of your investment if you wish.

Various_Couple_764

Ignore the news are comments. Focus on your goals. For a retirment fund a growth index funds is good like VT, VTI , VOO, or QQM are good. For a taxable brokerage you can also use growth index funds, Or you can in a good dividend fund Like EMO 8% yield, UTF 7% UTG 6.4% or government bond Any one of the funds above safe good choices to get you started And just buy it and gradually add more money. The key is to just get started with something safe and simple. Don't follow any advice on reddit, Just see it as a place to learn by seeing what other people are doing and what funds they are doing. And then do your own research by reading the fund prospectus and other documents. Most funds have websites were that information is posted.

oldtimehawkey

What risk level are you? Put most of the money in a low risk like VOO or VTI. Me, I’m low risk, so I’d do 80% Then buy individual stocks with the rest till you realize there’s no way to win at that and put that into BND. Haha.

Garrett_CPAatCOS

VTI = up, my holdings = DOWN

jk147

How many years? Anything more than 5 to 10 is VTI or VT area. Now this doesn’t mean you can’t invest in riskier things like AI, etc. You can just allocate a smaller percentage as playground, etc.

__redruM

Because OP is already overthinking every decision. VOO and VTI are almost the same fund with slight performance differences. VT adds international, so it’s also a good choice.

Flayum

Why not VTI or VT?

brianxhopkins

For the average person, this is spot on. I would like to add: 1) when investing into the roth, for the love of god don't let the money sit in the money market account. That's why OP said put it in VT. Money market account is pretty fancy way for saying HYSA, so make sure to move it to an index fund (VTI/VT/VOO/etc). 2) if you're young enough, check what your 401k money is going to. Usually they set it up automatically to deposit into a lifecycle fund depending on when your projected retirement date is. I would look into the breakdown of that lifecycle fund and maybe consider switching to a stock fund that tracks the S+P. At a young age, you don't really need the diversification (bonds) yet.

spilledonwhite

Coworker texted me Saturday saying he wanted help today rebalancing (placing the limit orders). Motherfucker has both VTI and VOO and wants to sell one and move more allocation into riskier growth stuff, probably VUG or something. I asked him about it today and he has no clue what is going on in the markets. He isn't timing anything, just looking at his own long term plans. I asked him if he still wanted to do that rebalancing and he said "Nah I'm more focused on fixing that scratch on my car rim today. Maybe tomorrow." I fucking envy this man.

Affectionate_Run3921

Just buy VTI or VOO, or VT if you want some international. Buy what you can afford to whenever you can afford to. Always buy and never sell. Keep it a simple passive activity.

HolaMolaBola

A hedge should ideally be made up of section 1256 contracts like SPX index options or options on /ES futures. That way, if they do pay off, they are taxed 60% at the long-term rate regardless of holding period. Best practice would be to hold VOO (or in my case I prefer SPHQ) as a core position and then do your hedging around that. In a 50% selloff scenario you're proposing, you'd then monetize the hedge for a gain, and simultaneously tax-loss-harvest any VOO shares that are in loss position—swapping those shares for something like VTI which follows a different-enough index that avoids a wash sale. Same thing with writing calls. The good thing about writing SPY calls against my highly-appreciated shares of SPHQ is that there's no danger of me vacationing in Tahiti and getting news that my SPHQ shares were called away for a huge taxable gain. Instead, the worse that can happen is I get home to a portfolio that is simultaneously short SPY and long SPHQ. Good luck!

Gameboy69NoScope420

Yeah open a brokerage account with whatever brokerage you feel comfortable with. Do research on what to invest in. AI is a useful tool, not full proof but useful. Others will debate me I’m sure, but ETF’s like VOO, VTI are a good place to start. Some say to grab some bonds BND or something similar, and an international ETF like VXUS. Lower %’s. As I said. Do some research and don’t blindly throw your money into things.

Affectionate_Run3921

VTI. Been holding and adding steadily since ‘97. I know it’s crazy having my eggs in one basket like this, but…

Various_Couple_764

You basically have a saving account for an emergency fund. Most people have them but the interest you get is basically just keeping up with inflation. So you are not really making progress . I would open a taxable account and move 50% of the money in the taxable account. Invest in QQQI 13% yield and turn off dividend reinvestment. Dividends are regular cash profit charing payment to you. Dividends will show up as cash in a money market fund which will also earn interest like your bank saving account. The move the remains 50K from your bank to the brokerage account and leave it as cash This would give you 50K for emergencies. And if you use some this emergency cash QQQI will slowly refill it. without you using any of your work income. Most of the time you probably won't need the cash. and the cas plus dividend will continue to build. Then open a Roth IRA and star making $540 money deposits in the Roth account. In the Roth account invest the money in VTI and VXUS. Keep and equal ammount of money in VTI and VXUS. Your 100k that was doing nothing is now funding your retirment account and and you hav emergency cash you can use. And if needed you can stop the investments into the roth to rebuild the emergency savings if use some of the money. Then you could setup monthly automatic transfer from the bank to taxable brokerage account. The ammount every month can be whatever you can afford. Then in the brokerage account setup an automatic purchase of QQQI stock This will increase the dividned generated per month. And if you want you you could add VTI to your taxable acount or other dividned funds like EMO 8% yield, UTF 7%, UTG 6.4% to your taxable account. And ther is noting wrong with putting a dividend fund into the Roth. I highly recoment you setup monthly withdraws from the band and automatic montly depots into the Roth. Montly automatic purchases of VTI and VXUS stock. This way you don't have to do anything other than occasionally checking your account to see if everything working smoothly.

Few_Order1054

I use one for my pension fund for my business. They manage around 10 million. It is dispersed into a suite of private investments and well a mix of public funds as well. The goal is to make a steady return, but never lose my ass because it could trigger the business to owe money in the pension fund. So, in short I use them for a steady return with great downside risk, something that VOO or a VTI cannot guarantee. In 2022 I was down next to nothing in my pension while my personal portfolio was -30%. That could be catastrophic in a pension fund. I would never have them manage my personal portfolio, too illiquid.

PeterJan85

QQQ has the highest growth potential, but is the most volatile along with QQQM. I would stick with VTI rather than VTO if you’re going to put a small percentage in QQQ/QQQM because VOO has more overlap compared to VTI as it covers most of the market. You’re extremely young, which means you are in the best position to invest for the long run.

Ap3X_GunT3R

Because it provides no guidance or concrete gameplan, continually dilutes shareholders, and has no real moat/niche. Since 2021 it diluted shareholders close to 70%. If you bought post squeeze in GME you’re almost guaranteed to be in the red. While VTI has increased over 65% in that timeframe. Since their ebay “acquisition” announcement, the stock decreased by 8-10%. So yeah it’s a meme stock.

skyfox437

Bro. Wisely would be throwing that into a comprehensive ETF like VTI or VOO even. This is wisely regarded. Stop before you become addicted and numb to the losses like I am. At some point, they become numbers on a screen.

pk_12345

Go with VOO or VTI, if you want international exposure may be add10-20% VXUS.

drew-gen-x

I agree as long as I stick to BTD's in $VTI, $VT, and $VXUS. I'm already extremely heavy ex US $VXUS and $EWJ b/c I like the AI & Robotics growth potential in Pacific Asia vs USA. I bought heavy & tried to catch the bottom in $SOXX and $DRAM this month and lost 20%. I decided to move that cash into $TSM, $SKHY, $EWJ, and $VT. Semis can rally now that I am lowering my risk. The market is acting like a casino right now w/ all the leveraged ETF's & leverage stock options avail rn.

ATPsynthase12

Why does everyone think dividend ETFs are some investing cheat code? You sacrifice growth in your growth years for dividends you don’t need. Further, putting it in a whole market index fund like VOO or VTI will net you more ROI and you can pull out more at 4% per year than the dividends and Jeep having your wealth grow faster than you deplete it.

Any_Influence_8305

Fuck QQQ/VTI/Russell ETFs for letting such a piece of shit like SPCX in so early

Valvador

> But with the tech concentration on SP500, buying half a dozen to a dozen single stocks from different sectors gets you probably a higher diversification than SP500. If you're worried about cap-weighted stocks, there are "equal weight" versions of the S&P500, but then you're basically somewhat betting against the market in general. RSP is an equal weighted S&P500, but the cost goes up from 0.03% to 0.20%. Additionally at least with Cap-Weighted stocks, when people pull out of one industry and pile into the other you re-capture some of that. The math doesn't exactly work out with equal-weighted ETFs, but I guess that's not what you're suggesting. I don't really buy SP500 anyway, I prefer stuff like VT/VTI, although I've been buying a lot more VXUS than VTI over the last few years.

critterdude311

Just VTI and chill bro

version-two

I like it tbh. At 29, the risk reward on that is solid for the next 6-12 months. Imo, Worst case you “lose” 5-10% (which I don’t believe will happen). Best case, that grows 25-100% probably. Otherwise, VOO/VTI/SPYM/etf x and chill…

fakieTreFlip

It's a great and very responsible portfolio, but probably too conservative for your age. As others have said, I would drop the bonds, and I would probably rebalance VTI to 80% and VXUS to 20%

AnselmoHatesFascists

Good question, hard to tell because of dividends. If I look at how VTI performed, it went up about 50% in that time, and I did slightly better than that overall with XOM because of continually buying when it was down.

Valvador

> Maybe diversification gets mocked during bull markets, but it's usually appreciated when leadership starts to change. I mean you can say the same thing for VTI vs VT. US market has been on a rip for like 10+ years, and people only look about 5 years back when making "historical decisions". During the 2008 housing crisis, everyone and their mother was a real estate broker because everyone was buying.

Metalsonicblackjesus

Hey I started with a portfolio very similar to yours but then I realized that at a young age (20s-30s), it does not make sense to hold Bonds and the international stuff really isnt helping much either. So I took my portfolio that looked like yours and condensed it down into this: Brokerage: ITOT/VTI: 80% CASH: 15% (park it in a high yield thing like money market or USFR ETF) Play money: 5% for taking riskier bets for fun Roth IRA: FZROX - 80% FZILX - 20% Once you get into your late 40s/50s, then you can start thinking about Bonds again. But at your age, I would skip it entirely. A lot of people would say just get rid of the international stuff entirely. I did in my Brokerage account, but I felt safer keeping some FZILX in my Roth just in case there are a few years where international beats US. At least I will have some exposure. It's not like it will be a huge switch, I cant imagine international will completely destroy US, but if it slightly outperforms a few years then it will feel good having that little bit of FZILX. And if it never outperforms US, at least I only have 20%.

Extension_Diet4064

Move that money out of a regular savings account and into a high-yield savings account or a money market fund where you'll instantly make 4% to 5% with zero risk. You don't need to overcomplicate the rest, just put what you don't need for the next 5 years into a broad index fund like VTI and let it compound. Do you have a separate emergency fund set aside already?

Royal_Winner_5049

depends what you want. i’ve always been a VTI guy

greenpride32

I wouldn't go with BND at your age; you have plenty of time to ride out the ups and downs of growth equities. VXUS and FZILX underperform VTI and FZROX in the long run. The reason for this is the US has the largest economy and attracts the most capital investment (which helps to perpetuate the cycle). Also most of the leading US companies operate on a global scale, so it's not as though you only invested in one domestic economy. Over the course of the long run, the difference in CAGR will make a very meaningful difference in total return. My goal in investment is to grow my net worth as much as possible by making selections that have a proven track record; everything else (diversity) is secondary. You can compare VTI (US), VT (World including US) and VXUS (World minus US) - the more US weight the better the long term performance.

leaning_on_a_wheel

Sell BND and buy more VTI

IndexFundPhil

Same pattern every time — headline drops, market panics, then recovers. If you've been DCA'ing into VTI/VXUS regularly, these blips are just buying opportunities at a discount. Time in the market > timing the market.

Spicy__Urine

Just choose VOO or VTI it doesnt matter much

Superunknown999

VTI is a fund that tracks all US public companies. It’s about as simple an investment as you can make - a bet on the US economy long term. It’s an investment so it can lose value but over any long term period (think 10+ years) it will make you money. You should look to only put money in here you don’t reasonably expect to need in the near term. Another option is VOO which is the S&P 500 fund. Not as broad as VTI but some people prefer concentration in the larger companies. The rest leave in a high yield savings account. Places like SoFi, American Express and many others offer rates over 3% for cash just sitting there. Good luck and nice job!

ChloroVstheWorld

Grabbed some VTI like that will do anything I'm just coping now bro

TrashPanda_924

VTI - broadest market ETF. Markets can go up or done. You want consistency over time and a long horizon

DemonLover_011235813

The appeal of Vanguard index funds are that they passively track the market (the index part) and charge a very low annual expense ratio since there isn't a lot of overhead when compared to an actively managed fund. A lot of other firms offer similar products at similar or lower expense ratios so Vanguard isn't the only game in town for passive investing nowadays. There have been Vanguard funds that lost money and some funds that have closed due to failure to attract investors or performance issues. Those were more on the active side of the house. To my knowledge no funds have gone to zero. In order for VTI or VOO to go to zero, there would need to be some global cataclysm to wipe out the US economy and all industrial output.

plowt-kirn

"into some Vanguard" is not an investment. Can you please be more specific? If you're talking about a broad based index fund, the chances of it going to zero are virtually nil. Something like VT, VTI, or VOO.

taplar

I would point you to ... - https://www.investor.gov/introduction-investing - https://www.investopedia.com/articles/basics/03/050203.asp I don't really like to tell people what to invest in, and would rather point them to learning resources, since everyone has to learn to take responsibility for their own investments. But if I *had* to, I'd say start with either VOO, or VTI, or VT, and as you learn more about investing start to diversify more when you have a reason to do so.

LineMission1628

I see, so what would you recommend to someone starting off? I see there’s no point in investing in VTI and VOO at the same time Since they pretty much have the same %. If VTI and VXUS Is a good Combo what’s a good combo with VOO?

taplar

VXUS would give you some diversification into international equities. It's an established practice by some investors to hold a mix of VTI and VXUS to have a total world equity investing strategy. It's long term returns are lower than VOO or QQQM, but you gain the extra diversification.

anteatertrashbin

you need to become a boglehead. over a longer time horizon, it’s literally IMPOSSIBLE to lose money in the stock market with a low cost etf. VTI and chill bro…. do some back testing of just plowing money into VTI vs your stupid ass trades. you’d be up massively but you’re chasing quick gains and you’re getting hammered.

OneManShow23

If you want to invest but you can’t just put your damn money in VTI, VXUS, BND, and BNDX and move on. You’ll make an average 5% growth. It won’t be as glorious as doing options on a stock that shoots to the moon (Nvidia) but you’ll still reap the rewards from Nvidia or a co growing to the moon.

mceehops

I mean you have seen a lot of replies, but geez, VTI or even SCHD or FXAIX 90% of that and just play with the 10%. Oof.

Mr_Ballyhoo

Had a bunch of my companies private stock in my retirement get converted to cash and thrown in to an IRA a couple months back. Been sitting on that pile up until today. Finally opened my positions in to VTI, VXUS, VUG, ARKX and NASA. The last two are the 20% of my FAFO money my IRA.

fakieTreFlip

VTI and chill baby, VTI and chill

thorn960

Why not just VT and chill? All the diversity you need. VXUS + VTI if you want to adjust the non-US exposure.

Anonn39

bro owned VTI

LimeJuixe

Boys VTI is only down .35% this shit too easy

UniversityFew7644

Simple all in VTI🤣

siazdghw

Yes. Put whatever you have into VTI or VOO and watch as you slowly regain that $40k loss. Or you can continue playing with options and likely lose more.

siazdghw

Nah, plenty of them will peddle you some in-house fund that has management fees or will be an idiot and try to beat the index. But yes, the sane answer is just to buy VTI or VOO, put any excess savings in when you can, and sit on it and watch your net worth grow

siazdghw

Sure, but the point of VOO or VTI isn't trying to pick favorites, but to have a diversified allocation that will give you a 'safe' healthy annual return. While QQQ and VUG aren't crazy recommendations, you're still picking favorites. If AI didn't take off there was a chance tech would underperform other segments. COVID pushed for more fabs to be built, and put new laptops into the hands of every WFH employee and education from home kid. There was a very real chance tech would have been been in a glut of supply with flat or lower demand.

SpicyElixer

The problem with exceptional markets and exceptional sectors is they’re already priced exceptionally. It’s one of the biggest risks of being all VTI and not having VT/VXUS. (guilty)

TrainingLower2317

Yeah, definitely sell it it a bit overpriced in my opinion. Get a VOO+VTI+QQQ and forget about it.

jahrastafggggghhjjkl

Bummer. Shoulda bought VTI and chilled.

Nickeless

At $100M you can dump almost all of it into equities (VTI, VXUS) because you have more than enough to live off even during huge crashes without drawing down much percentage wise. Spread like 20% across real estate, bonds and a year or two of cash maybe.

SpicyElixer

The lesson is this: 15k after 45 years on VTI would be around 1.1M. If you aren’t a spectator in this sub you’re a loser.

BJ_Fish2

Ahh damn. Always only do 5% of your portfolio in options. If you lose, go back to VTI or VOO or If Microsoft and apple are down a lot you can put some in VGT. Don't listen to any other fuckers. 5% Max if you lose you're done.

UniversityFew7644

https://preview.redd.it/ehlwi42dohdh1.png?width=526&format=png&auto=webp&s=ec4412303abb84c9c654a728b88597658f1df0b0 Character development is complete time to buy VTI

Interesting_Week_917

It’s alright. I don’t need to money at all, the rest of my portfolio is entirely VTI and VGT and amounts to $340,000… and I’m 24 years old. The real shame is I decided to do this in my ROTH which just fucked my tax free growth opportunity. I expected to shelter a moon 🌕 launch but actually just fucked my ROTH. Lessons learned. Life goes on. Alas.

benjamin_noah

Unfortunately only 21. I had asked for more, but that’s what was allocated to me at the IPO. All the profits just went into my main holding: VTI. But, I’m not as convinced as Reddit that SPCX is doomed to drop to $60. I’m going to watch from the sidelines for a while.

fakieTreFlip

>I have VTI and it's going ok, but my individual stocks are bleeding me dry and I'm just panicking This is extremely common and happens to a lot of people, which is why so many people suggest avoiding stock picking altogether and just buying broad market ETFs (like VTI). Boring, but much safer. Stock picking is closer to gambling and you're bound to get burned a lot even if you think you did your research

Great_Skott

I have VTI and it's going ok, but my individual stocks are bleeding me dry and I'm just panicking. I should just let it ride like someone else suggested and sell when I'm at breakeven or some profit.

KaseyBee7

Too much overlap with voo spy and qqq. Honestly sell everything and do VTI/VXUS. 80/20. Then read and study. Not to be rude but your portfolio is basically Reddit picks. And the fact that you have 3 overlapping etf’s tells us that you don’t understand them. Seriously. VTI/vxus and Learn more.

Kickboy21

Its down 0.3% bro maybe invest in VTI?

WorthContribution457

As many other mentioned VOO or VTI as a main chunk . I personally have 50% VOO (top 500 companies ) AVUV 16% (small cap tilt ) VO 16% (mid cap tilt) and PAVE 13% infrastructure tilt) more of a sector specific ETF

SpicyElixer

IBM makes up about 0.50% of VTI/VOO so apparently I’ve got around 10 shares too. I did the math. I definitely don’t need to increase my IBM concentration beyond what I inadvertently have.

Timbukthree

Man, seriously, just put consider this a $3400 lesson that you will only lose money if you try to day trade. Toss your $10, and any money you don't need for the next 10 years, into VTI or VT or AOA and just let it sit. Save this screenshot as a reminder that literally every idea you had for trading lost you money, and that's exactly what will happen again if you keep trying this shit.

TheCozyRuneFox

They have done well so far and I have made a ton on them. But definitely of risk is you can’t be certain of either outcome. So I feel like it is disingenuous to say “these ETFs will make you a ton of money” because I can’t guarantee that at all, but I also don’t think it is near the same risk of gambling or something. My personal opinion is these will continue to do well. I like their strategies, they are fairly diverse, have good past performance (though everything has gone up a ton so less certain how they do in an actual bear market), and they generally hold companies I like. in terms of risk from least to worst my rankings would be: VOO and VTI, the ETFs like the ones I mentioned, individual stocks. I would touch crypto or options or anything like that even if it can be tempting, these are basically gambling.

TheCozyRuneFox

I like VOO or VTI. These kinds of funds are where most of the money should be. Coca-cola is a good company. No reason to sell it at all. Just hold what you have allocate new money to index funds. you can definitely take on some more risk at your age. Keep it like under 20% of your portfolio tho. If you want to take on a little more risk but not insane, you can look at strategy ETFs like VTV, VUG, GARP, SCHD and such. these are diversified but still potentially carry more risk than a broad index fund. If you gonna do individual stock picking learn value investing.

user4443337

Not necessarily. With VTI you get VOO PLUS a ton of small and mid caps. There is something called the size premium which says small caps will return more than large caps - and you can see that in the chart I posted. Since 2001, VTI returned 60% more than SPY which is a lot.

Difficult_Fact_2849

Well it beats VTI YTD, 1 year and 5 year…is that enough sources for you?

Swred1100

Yes my bad, I always confuse them. In my head I read VT as total, and VTI as total international everytime I see them

Swred1100

Like the share price ? That’s just what it is lol… in reality it doesn’t matter, although a lot of people think more shares is better and it can be a weird thought experiment. But mathematically, having 1 share at $500, and 5 shares at $100 is the exact same. If you return 10% in a year, either way you still have $550. If you just like having higher share counts, there’s other ETFs that track the same things, but VOO, VTI, SPY, VT are generally the most common.

luckysharms93

Correction on your last sentence - VTI is the total US market. VXUS is everything but the US

Swred1100

SPY is the 500 largest US companies. VT is I believe between 4000-5000 companies all over the world. The US has seen massive growth in the 2010s, outperforming international. There are times it’s the other way around, and there are times they are about equal. SPY, VOO, etc., you only return what the US does. VT you return what the world does. And VTI you return what everyone *except* the US does

user4443337

VTI actually beats SPY when starting from 2001. Beats by 60%, look at “max” on this chart. https://stockanalysis.com/etf/compare/vti-vs-spy/

InternetSlave

Never selling is silly, you might as well just flush the money down the commode if you don't plan to sell. I buy VTI all the time regardless of price with the idea to hold until well into retirement.

WhatAreYouSaying05

I don’t know, man. I keep hearing over and over how VTI is better. Even though they’re basically identical to each other

a_cloud_moving_by

VTI / VOO is far better than putting all your money into one stock (Coca-Cola) as you have now. I would stay away from individual companies. I'd highly recommend moving your savings into one of those index funds and then if you want to branch out to other things you can always do that later (though on r/Bogleheads people will probably just say stick with the index fund which I agree with. 99% of my investments are in target date funds or index-based ETFs). Depending on how your Coca-Cola stock was invested and when (was it a taxable brokerage account?) then just be mindful of the capital gains tax on sale, but I'd highly recommend not investing in a single stock going forward and if the taxes aren't too high sell all you have in Coca-Cola

Mental-Spell6016

VOO is definitely better than VTI. And don't forget the SPYM. SPYM has a cheaper expense ratio. And you can sell covered call to enhance your benefits. Good luck