VTI

MoneyMechanicsExpl

Great question. Sounds like you're dealing with: Want to start investing but overwhelmed by options Keep it simple: get your 401k match (free money), then max a Roth IRA with VTI/VXUS. Automate it. Time in market beats timing the market. I made a quick visual breakdown of this if it helps: <a href='https://youtu.be/9uyjMEsyqoI '>Just Watch</a>

MoneyMechanicsExpl

Great question. Sounds like you're dealing with: Want to start investing but overwhelmed by options Keep it simple: get your 401k match (free money), then max a Roth IRA with VTI/VXUS. Automate it. Time in market beats timing the market. I made a quick visual breakdown of this if it helps: https://youtu.be/9uyjMEsyqoI

MoneyMechanicsExpl

Great question. Sounds like you're dealing with: Want to start investing but overwhelmed by options Keep it simple: get your 401k match (free money), then max a Roth IRA with VTI/VXUS. Automate it. Time in market beats timing the market. I made a quick visual breakdown of this if it helps: https://youtu.be/9uyjMEsyqoI

082426grateful

They all shifted to VTI

AlbyWealth

You're overthinking the execution window. VTI and ITOT track the same index and move nearly identically, so a few minutes out of the market between sell and buy won't materially change your cost basis. Having both tabs open and placing the buy immediately after the sell fills is standard practice; just confirm the sell order executed before placing the buy so you're not caught short on cash.

Over-Computer-6464

That is correct. Do your trades when the market is relatively calm, so avoid the first and last hour of trading. If you use limit orders make sure they are marketable limit orders. In other words, have your buy limit slightly higher than the ask, and your sell limits slightly lower than the current bid. For the big popular ETFs like VTI and VXUS I just enter market orders, since my trades are smaller than the bid/ask sizes. You do not have to do it all at once. You can start off by selling about 1/10th of your VXUS followed immediately by a buy of approximately that dollar amount of IXUS. Then once you are sure you have the mechanics down correctly, follow through with the rest.

HolaMolaBola

Personally I'd be covering my tracks better in anticipation for an IRS audit. At least the CUSIPs are different for the securities you mention, so it won't be your broker who triggers an audit. But if you're audited in the coming years for any other reason, when they get to your Schedule D what's your argument for how, say, VTI & ITOT are not substantially identical? In your shoes I'd swap the current "total market" funds for something not total market. I'm thinking VOO for VTI and IEFA & IEMG for VXUS.

thesisgoat

cash from the sale is usable right away at both, it just hasn't settled yet. a good faith violation only happens if you sell ITOT or IXUS again before the VTI/VXUS sale settles, which is just the next business day now with T+1, so buy and hold it and you're fine. and with funds this liquid a couple minutes between orders barely matters, i'd just avoid doing it right at the open

Zoruun_17

I bought very recently so I have a window for losses, and want to offset the realized gains I made for selling several high-fee, actively managed funds I sold out of to buy into VTI and VXUS. I'm a recent convert to the Boglehead religion.

SameTrain8827

Stop putting any more money in these. Moving forward, pick a broad index fund/ETF (VT, VTI, VOO or XEQT) and stick with it. If you must buy these speculative stocks, stick to less than 5% of your portfolio.

Plainview19

Buddy just put 90% of your money into VTI (Total Market ETF) and then use the other 10% for shit like this. If you're serious about picking winners, pick more reliable stocks or pick things that are products you use in real life that you enjoy and would happily continue paying more money for. The one advantage that retail traders have over actual brokerages is that they live a real life- if you were using Netflix back in like 2011 for example, you'd know it was a good company worth buying (less so now, you get the drift.)

trix_is_for_kids

I mean what’s your definition of evil. I guess Costco might fit your bill. Also not to be a dick but Nvidia isn’t going lose or win based on your paltry contributions. Just put your money in VTI (a combinations of the entire worlds stock markets).

FunPoet7977

Hold DRAM. And never pick stocks again. Stick to VT/VTI/VOO. If you find yourself itching for a cheap thrill, put 5-10% in SPMO.

Beneficial_Pickle322

I hate that everyone talks about the Dow. Nasdaq 100, Russell, and S&P are all I look at. Actually I generally just check VTI performance 

GoingDownUnderInSEA

Everything is way too highly valuated. I feel like my portfolio has remained crap for the last 6 months, and it's just pumping and dumping - look at spy. The idea now is to create mass confusion. If you catch onto the cycles you make money. I plan on taking a good amount of this and dumping into VTI and some into SPY leaps (2 years out) and just chill. Let the money work for itself. I don't even want to catch these daily...even the quarterly jackpots are fine.

Odd_Lengthiness_2175

This is my all-weather zero-stress allocation: 20% VTI 20% AVUV 20% TLT 20% GLDM 20% BOXX

InvestingNerd2020

Fidelity has a checking/savings hybrid situation too with SPAXX fund for unused cash in a taxable brokerage account. It currently pays 3.55% interest with a 0.42% expense ratio. For a Roth IRA, they have zero fee index mutual funds that are on performance pair with VOO, VTI, and VXUS ETFs.

Omynt

At 29, you may have 5 or more opportunities to bump up your Roth with a transfer bonus. That will really juice your returns. You can hold VTI and VXUS and move it around. So Robinhood. If you don't want to play the game, Fido is fine. I have both.

Healthy-Poem-6305

Caved and bough some spacex 😭😭😭 but mostly just added the extra cash to VTI/VxUs

Dude_of_Beer

Can't speak for everyone but picked up more VTI, Apple and Google here. In particular, Google is a value at today's number when looking at long term.

Justzyn_Jefferzyn

There’s panic on the streets!!! Just threw 5k at VTI shares, have another 5k ready for next week. Finally a real dip. Eyeing QQQ as well 

thesisgoat

if you go fidelity or robinhood, start the transfer from their side as a full roth to roth transfer so it moves directly and there's no tax hit, never withdraw it yourself. one thing for your plan is schwab's fractional shares (stock slices) only cover s&p 500 stocks, not etfs like VTI/VXUS/AVUV, so for a buy-any-amount roth fidelity is the cleaner fit. robinhood really only wins if the match and prediction markets matter more to you than the 5 year hold

CraigLake

I picked FOUR stocks a year ago and every single one is down 🤦. Fortunately most of my shares are VTI. GOOG, RIV, ALK, RDDT

seraphimkoamugi

Same but I also have VTI. Wish I had cash for downturns saved up.

MrMarketsDiary

I am mostly staying with the index here, tbh, because this does not look like much of a pullback to me. VTI is still up almost 3% over the last three months even after a 1.5% down day, so my scheduled buys are just buying at a slightly less high price. For single names I am stricter, I only add if earnings estimates held up while the price fell, otherwise teh cheaper price is just the market repricing weaker earnings. GOOGL fits that test for me, CAT and NOW would need a lot more work before I touch them on a dip alone.

rpv123

You know it’s bad when you have to turn to your set it and forget it retirement portfolios and wonder if you should buy more VTI or sell everything you have while you’re still up 60%…

owenmills04

VTI is down 1.8% today. Up almost 3% over the last 3 months. Wake me when there's like 10 more days like today

autumnbreeznleaves

$VT helps and cuts the market cap of $VOO stocks nearly in half by adding roughly 38% international stocks and also the entire US stock market including stocks outside S&P. $VTI is the entire US stock market adding in small caps to $VOO. $VXUS is all international stocks ex US. I would start there instead of buying more $VUG, $SOXX, $QQQ, $SPY or $VOO positions.

pk_12345

VTI down 1.5% today, it's the end of the world. It's a bloodbath. Run for your lives.

autumnbreeznleaves

Does $INTC crash remind you of 2001??? These last 2 weeks remind me exactly why I moved to 90% ETF's. -3% down days hurt, but you don't have large positions w/ -28% days like Intel is having wreck your entire port. Fortunately I sold my $SOXL position yesterday. I'm taking swings on opening positions in $CAT, $SKHY, and $NFLX this morning. I will likely buy $DE as well. No more than 10% in individual stocks. My port is 90 % $VT, $VXUS, $EWJ, with some shinny Gold paperweights holding the whole damn thing down. This might not work but $VT is my port's foundation and $VXUS is its support. $EWJ is that fancy garage where I listen to Rock music and work on my other hobbies. If you are right and AI data centers cap ex is over $VXUS will absolutely under perform $VTI short term. I don't believe that is the case. Now I'm gonna listen to that new NEK! MV for the 10th time. Rock music is so back. Cheers.

Dividedby21mil

I shoulda just VTI and chill’d

lance_klusener

I looked at VTI and don't see a substantial drop.

dogs_gt_cats

Personally I have been eating the expense ratio and adding RSP to my portfolio, and dialing back the target allocation for VTI. For my kiddo's VT position I am just letting it ride. Her timeline is far longer than mine.

RealKenny

Let's remember that Google is about 5% of VTI, even those of us who are committed to buying the total market and chilling are invested in Google and buying more with regular deposits

DonCenote

VTI

Plainview19

The entire weight of the index is being pulled by like 7 companies that are all in on AI. This is why stuff like VTI exists for non-regarded long term hodling

FIREinParis

It has its uses, in my opinion, for people in their 80s when coupled with a crisis hedge like KMLM. The reason is almost all the initial returns are return of capital. So for the first 7 years or so, there’s very little tax but eroding basis. And then if the plan is pass the holding to heirs, there’s a basis step up at death. For time periods longer than 7-9 years, I think a normal equity etf like VTI or ITOT etc is preferable. So, as an example, 80 year old mom puts $500k in CAIE in a taxable fund. $500k in a IRA funds in a hedge like DBMF/KMLM in equal amounts. Very high payouts (greater than annuities) with a hedge. If mom dies at 88 to 90, kids inherit with basis step up, sell and redeploy without tax friction into VTI.

jackster31415

Yeah…VTI for you

FIRE-Alt42069

Just sold $500k of VTI for GOOG lfg

Ok_Supermarket_1236

The base truth is I am only holding gold bullion and gold miner ETFs in the hope that gold jumps up in value (due to inflation or an ai crash or whatever) enough for me to sell them to exchange them for stock ETFs that will appreciate more in the long run (like a bunch more VGT, VTI/VXUS, VEA, QQQM etc). I am sort of banking on a big crash, gold rising, me selling and buying stocks on sale. I have no idea if that will pan out. The market could rally for another decade or it could crash in five months. I just had an uneasy feeling that bad economic conditions were in the mail when tariffs, high oil and global unrest issues started cropping up more recently.

univrsll

Switched over from VTI and dropped $75,000 on GOOG shares from this massacre. Will report in a few months to a year how it went lmao

Eastern-Chair2190

yeah at 26 you have decades for that money to grow, bonds just drag you down unless you're trying to sleep better at night. i'd swap that 20% into more VTI or maybe some small cap tilt if you want to get spicy. the roth side looks fine, qqq overlap with fzrox is a little redundant but not hurting anything. if your plan is set it and forget it for 30 years, this'll do the job, just could be a bit more aggressive while you're young

autumnbreeznleaves

That's why you should also invest in $VXUS, $VPL, $EWY, $EWJ, or $EWT. I'm all in on Pacific Asia ETF's. The math doesn't work that $VTI or US stocks will always outperform if Google etc are spending their entire FCF on AI cap ex plus borrowing instead of buying back their own stock. Robotics is gonna be next. This is a new cap ex tech world. And Google, Microsoft, Amazon, Meta, etc are cap ex asset light.

Mean_Bluebird_7940

A whopping 5% of VTI…

GaylrdFocker

>grows above inflation but has close-to-zero chances to ***EVER*** be in the red No such thing. If your timeline is more than 5 years then Index funds. VT or VTI and chill. You gambled with individual stocks. If less than 5 years a HYSA or CD. They will be pretty even to inflation, but will lose no money.

NarrowBoxtop

This sub makes me feel good about my strategy to keep VTI and chillin

financiallythriving

**American Households Own More of the Stock Market Than at Any Time Since the Dot-Com Era** *Household stock ownership just hit a level not seen since the late 1990s* *Households directly own 42.1% of U.S. stocks, the highest since Q4 1998, raising concentration risk for SPY and VTI investors*

TowlieisCool

Nah I hear you, I'm like 60% QQQ/VTI. Its worth sleeping soundly at night.

jbob08

The amount of stress reduction after a year of doing this is crazy. I'm not literate enough to manage my own day to day trades, but jumped in like a lot of people. I don't get the huge come ups any more, but after a year in VTI/Funds I'm still up 13%, which is about where I was when I was constantly stressed about what stocks were doing. I admire you guys that know what you're doing and can handle the risk, I just couldn't.

oravecz

I retired last year, and I have a short-, medium-, and long term bucket - roughly equal to 2, 8 and 8+ buckets of annual living expenses. My 2 year bucket is bond equities and HYSA. My long bucket is primarily VTI. My medium bucket is a medium-conservative mix of index funds. I currently moved about half of that to PFSO to hedge against an AI bubble pop event. I plan on evaluating this every year. I only expect to maintain it for one year.

zer1223

Why aren't you just buying VTI and VXUS?

Money-Effective7189

I take it your TSP "thrift savings plan" is a pension? Is this guaranteed and is it a defined benefit? Will it cover your cost of living in retirement? If so your in a much better place because your retirement accounts may not need to be accessed right away. Do you get to chose investment options inside your TSP, if so look at 40% stocks / 60% bonds and government securities. This can be a target date fund or you can pick the funds to make this up. You can get help from your plan administrator on what funds oul meet that mix. Your 40 and all your money is in a brokerage account and two mini bonds managed by a Financial Advisor with 13% losses. I would ask why your taking losses and so conservative and your so young. Even if you plan to retire at 55, you have 15 years of potential growth years and you can invest in a mix moderetly conservative funds that would have positive gains and won't lose you 13%. You may want to consider a new advisor, or take your investments over yourself. It sounds like you have a significant chunk in a brokerage account alrrady. An option is to roll the bonds over to your brokerage and then rebalance them, chosing better investments options. Your brokerage account should offer advisor help, look into that as an option. Look to see what your emergency fund is making most HYSA should make between 3 and 4%. Consider money market funds and CDs if they offer better rates. Check k with your brokerage 1st. At your age look at holding the following portfolio % which are consistent for your age I based the example off a $100,000 portfolio. VTI Total U.S. stock market $35,000 / 35% VXUS International stocks $15,000/15% SGOV Short-term Treasury bills $35,000 /35% VGIT Intermediate-term Treasuries $10,000/10% Cash Liquidity reserve $5,000/5% Hold 6 months of income in your emergency fund. If that is to much do 6 months of expenses. Most of thier HYSA pay 3-3.5% which is a good positive yield. Remember this is not advice, do your research and due diligence before investing. Good luck

Live-Amount5657

Young US investor here! I use E\*TRADE and recently learned that VOO, VTI, and QQQ overlap. I want to diversify for long-term growth. Would you recommend VXUS, DFAX, AVNM, or other ETFs? Also, are there any lower-risk options for short-term trading? Open to suggestions and advice!

deeptones

My advice to you would be keep 3-6 months of expenses in vbil (i prefer to sgov slightly) and put the rest of your money in VT or VTI/VOO if you dont want international (I would go VT). Is your advisor beating the market? How much do they charge? Plug those numbers in and see if its worth it. Most advisors will charge you a fee and still not beat the market, much less if you include the fee drag.

BluePuts

I see your VTI and I raise you my UTI

MyNameIsntSharon

I’m gonna VTI and chill

snkscore

Does the mutual fund have an ETF version? If there is an EFT with the same share class as the mutual fund I think you can convert from one to the other without a tax event. For example VTSAX -> VTI.

autumnbreeznleaves

I think if you drove by a 612 acre data center construction site on your way to work everyday you might have a different opinion of just how much money is being spent. Then you see all that money flowing into housing (rents), equipment ($CAT, $URI), utilities, local taxes, and the local economy from these data center workers with your own eyes. Now this all has an expiration date. Once the data center construction sites are completed those jobs move to a different community where we rinse & repeat. You also see & hear how unpopular these data centers actually are b/c rents are exploding. I've had more luck buying indices here b/c while the AI cap ex spend will eventually slow, the hope is all this cash that has been pumped into theses economies in reinvested into new housing, utilities, businesses instead of Google and Amazon simply announcing more buybacks and repurchasing their own shares with that same cash. $VTI, $VXUS, $VT, $EWJ and $EWY is where I have been putting my cash vs waiting for these AI companies to go public like Anthropic or Open AI. I want to buy the AI cap ex picks & shovel companies over the OpenAI or Anthropic IPO's. Because I do agree that AI may have serious problems with these companies being capable of becoming profitable. But you can also buy the whole damn world or just the US stock index if you prefer before those inside trader politicians and corrupt central bankers simply turn on their money printers to go Brrrrrrrrr to cover up all their mistakes just like they did during COVID.

Prior-Construction-7

Do a Dollar Average Cost (DCA), you can set a small amount of recurring investment weekly. In my case i do $150 weekly into VTI (SP500) Vxus (International Stock) AVUV (Small Business) BNd (Bonds). If stock crash i will be buying at a discount. Remember Crash = Discount for long terms investors.

ktempo

Why not just buy VTI or VT and not have to worry about churning or rebalancing? Lol can’t have taxes if you don’t sell

-K41DO-

VOO/VTI or any SP500 index is the obvious safe bet but this is WSB, basically gambling addicts making fun of other gambling addicts. Having a Roth and knowing my money is making even more money is the best feeling ever. Wsb comment section is what I’m here for, peak comedy 11/10 😂

Ok-Band1228

70% VTI 30% VXUS Forget about it and watch it go up every year.

AfricanHerbsmon

That's also not the right lesson. Investing should be a major part of everyone's wealth and net worth. You should buy VTI every paycheck like a real investor and stop this gambling nonsense.

Aevaris_

It's why I don't own VTI anymore, VOO all the way

ChloroVstheWorld

Full ported VTI. Wish me luck fellas.

ScallionAromatic1310

Geez that is brutal. I felt horrible losing 40k once. Got it back though. I switched to simple and easy S&P 500 ETF and others like it. VOO, VTI, VT, VXUS etc. Go long ride the market lowest costs possible avoid dividends because tax treatment etc. 401k similar but but throw in some income ETFs because of tax treatment QQQI, SPYI, etc in case of a sideways long market. Always making money eventually. I've never been lucky or good enough timing the markets.

HoneyBadger552

Why i dont mind it for the long term. Roth ira is 80/20 spmo vt. Blindly kept adding money to both. I dont even look at the gains/losses. Just kept buying all this year. Both are down for me YTD but the re balancing of spmo i like versus all VTI

TowlieisCool

Just buy VTI and save yourself the fees. Thats all they're doing anyways.

2lovesFL

That was prime day trading penny stocks. ... I doubled for a few months then crashed out.... over about a year. it's why I'm not a crypto fan. penny stocks were all hype no results, like dot com before it. I just VTI and chill ha.

Icy-Sheepherder-7595

42% MSFT at $390 per share 25% VTI at $357 10% ADBE at $247 9% GOOG at $317 6% METU at $19.52 6% META at $595 2% FXAIX at $207 Total portfolio value $145,880

Avalonisle16

I wouldn’t have them manage your money.  Put say 50% in a S&P 500 fund (VOO with Vanguard which you can buy in Fidelity) then 10% in a small cap ETF and 10% in a mid cap ETF  OR  instead of these three funds put say 60% in VTI - Vanguards TOTAL MARKET fund which includes large mid and small cap stocks. Then say 10% in an international ETF, 10% in FTEC or QQQM and 5% or 10% in an emerging  market ETF 

New-Specialist-2594

KMLM/DBMF/CTA are mediocre at best. yet still beat what recommendations here when paired suggestion is VTI/VXUS etc.... AQR funds I have. But they arent as strong as shorting during a real bear market. Energy & Crude oil is Best right now.

RoofHonest9437

VOO, VTI, SCHD, BRK.B. DCA in over a couple years and forget.

larryinthesky

Personally, I would (with the remaining $450k): * take $25k to Vegas and have a fun weekend * buy $150k BND * buy $225k VTI

Xenikovia

Your options depend on whether you sold at a gain or a loss. If you sold at a gain, nothing you can do about it. If you sold at a loss, you take offset $3k in ordinary income and carry forward until used up. You can re-invest it into something similar like XLK/VGT/VTI but not the exact same ETF immediately or wait 30 days and re-invest in the same. Either way, I'd look hard at paying off the 5.5% mortgage but not the lower one, you can reinvest and do better there just on bonds alone.

linaisinhell

yes my cutie pie. I mostly invest in ETFs, i recommend VOO (S&P 500). there's also a cheaper version but i forget the ticker symbol, you can look it up. if you want to play it safe you can invest in mutual funds like VTSAX (VTI for etf ticker), which average at about 9-11% annual returns. and you need to know when a good time to buy is (you'll want to buy at an all time low). i recommend going to [stockcharts.com](http://stockcharts.com) and familiarizing yourself with the data there. it'll show you YTD averages but you will also have to learn a lot about how market averages work. i do short term trades with more volatile stocks like NASDAQ (but my definition of short term is 3-6 weeks). buy at an all-time low, sell at an all-time high. and you can predict those turning points with the data on stockcharts. i don't recommend trading like this if you're not very comfortable with reading the data. it's high risk, high reward. you're better off just investing your money into things like the S&P (which is moderate risk) and mutual funds, this way you'll always be guaranteed at least 10% returns annually. the rest is up to you. if you buy at a good time you can turn that 10% into 15-20%. ykwim?

deadfishlog

One of the best investments I ever made when I first started working in the mid - late 2000’s when the DOW was like 6,800 was just plowing every paycheck into VTI.

C2theC

The best way to answer this for yourself is to have an account where you only do options for a year. Did it beat the S&P 500? If not, what are you doing? Just VTI and chill. I’m beating the S&P 500 consistently, even through bear markets, so it makes sense for me to use options as an instrument. And most of that is through writing options, which increases the chances of success. I also don’t do weeklies because I know that the statistical odds would be against you. I mainly do 21 DTE and rollout to the next monthly OpEx if I’m wrong.

neutro_b

I don't think VTI/VOO are wide-range indices anymore. They are totally dominated by the Mag 7 and therefore by AI plays. VT is worldwide so much wider-range, yes, but \*still\* dominated by the big American corps.

Various_Classroom_50

I just bought VTI and VXUS today in my Roth because it’s what Claude told me to do

prestodigitarium

For you, it's time for VTI and chill.

No-Apartment1185

Just having it in VTI and invested that 300k 5 years ago would have been 534k today and if you did that 10 years ago would have been 1.3 million.

hide_yo_cookies

Put it all into some boring US Bank or BofA brokerage account where you can’t trade like a retard, buy VOO/VTI and be done with it

LeafyIndicator

christ that edit makes a bit more sense, 1% a month would be actual theft yeah i'd move it, no reason to pay someone 1% a year to probably stick it in funds you can grab yourself. set it up at fidelity, drop it in VTI, and let it sit. the roth conversion plan is smart too, just chip away at it in lower income years

stunvn

Past performance is an indicator of future returns. Telling someone to "VT/VTI and chill" is like telling them: "look at this past performance, see? Just keep buying and everything will be fine. It will go up in the long term"

Antique_Gur_6340

VTI over time

RedwaterCam

VTI VXUS 70 30 and wait. No need to panic, we don’t time markets in this home.

Mammoth_DonkeyKong

No I got it and I guess one would expect SPMO to rotate out of tech if it undergoes a prolonged downturn related to AI volatility for example. It will get pummeled more than something like VOO or VTI that has some balance elsewhere, even though they are weighted extremely heavy in tech as well, but would be held up by their other holdings that are winning. I am about 10 years from retiring and do hold some cash equivalents in short term treasuries as well as some high quality dividend funds like SCHD and FDVV, both doing amazing this year. I do look at my portfolio frequently but do understand that it's a long game, and I have been playing it for 30+ years. All using index or quality dividend funds and never super risky funds or single stocks.

way2lazy4u

I bought 100 each of VTI snd VGT right around their daily low

Jrezky

most bogleheads don't give much attention to international in the first place possible since John Bogle didn't really consider them worth having, and also because US has outpaced so much in the last few years people seem to think any international is a drag overall. I absolutely love Vanguard, and always recommend VT as opposed to taking a blend of VTI+VXUS. Still, I also believe in the Dimensional fund and by extention Avantis, guys, and I'm experimenting with an international portion made up of AVDV and DEHP.

ImpossibleEbb6862

Honestly ask a professional. I know financial advisers aren’t thought of in high regard here, which is fine if you’re 30. VTI and chill is not a bad strategy then. Once you start having more complex financial decisions on your horizon, your allocation of stocks, bonds, equities, cash becomes more important. Figuring out that allocation for your situation and how to minimize tax burden is where a professional provides their value.

dc2b18b

VTI lol

airbud9

Right now it may be the only option but that is not by law, more due to all the fund companies trying getting their funds approved for the Trump account and other brokerage awaiting guidance for how to transfer these accounts to other brokers. [https://www.fidelity.com/learning-center/trading-investing/how-to-open-trump-account](https://www.fidelity.com/learning-center/trading-investing/how-to-open-trump-account) [https://www.fidelity.com/learning-center/personal-finance/trump-accounts](https://www.fidelity.com/learning-center/personal-finance/trump-accounts) "At launch, all contributions to Trump Accounts will be invested in the **State Street SPDR Portfolio S&P 500 ETF (SPYM)** a low-cost exchange-traded fund (ETF) that tracks the performance of the S&P 500 Index. The fund was selected to provide broad exposure to the U.S. stock market while maintaining expenses well below the statutory fee limitation. Treasury has also selected the following additional low-cost index ETFs for the Trump Accounts investment lineup: * **iShares Core S&P 500 ETF (IVV)** * **Vanguard Total Stock Market ETF (VTI)** * **State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF (SPTM)** * **iShares Core S&P total U.S. Stock Market ETF (ITOT)"** [https://home.treasury.gov/news/press-releases/sb0551](https://home.treasury.gov/news/press-releases/sb0551)

NewSeaworthiness8814

In 13 years when your daughter is 18, you’ll both really really really wish you had invested that money in a broad market index fund like VTI instead of a CD. She’s not turning 18 tomorrow; invest the money

a-k_68532261

The main difference is the tilts: VT covers global stocks, VOO adds extra weight to large US companies, and SCHD adds a dividend focus. VTI+VXUS gives you a simpler way to set the US/international split.

Highzen

most common suggestions I hear people say are: VOO, VT, SPYM, or VTI

Particular_Maize6849

I'm in VTI and despite DCAing my portfolio has stayed around the same amount for 3 months. Maybe even trending slightly down.

Mindless_Sky_6654

I have a ton of Merck, like 50% of my portfolio. I’ve been selling small amounts and buying VTI. I don’t know if I should keep doing this or let it ride. I know this isn’t the right sub for this but I like you guys too much

MyDogIsACoolCat

The YTD gains on VTI are 13.4%….

wbradford00

holy fuck guys, VTI down to levels not seen since Monday