VTI

Sellazard

Spacex will be included in. S&P 500 in a year. VTI, VOO and chill won't work anymore once the house of cards falls someone will have to hold the bag

mr_brobot__

You could buy something like BRK.B or a value etf but honestly I would just stick with VTI or VT

AceMaxAceMax

VTI/VXUS or VT. The end.

BearThumos

How does a noob figure out which tickers /indexes to look out for? Ex: VOO vs VTI?

Educational_Cable405

Everyone in here is about to hand you a ticker, and that's the smaller decision. $250 a week is roughly 13k a year, and whether it goes into a Roth or your 401k versus a plain brokerage swings your end number way more than VOO vs VTI ever could. Fill the tax-advantaged space first, the fund inside it is almost an afterthought next to that.

bofoshow51

Starting at 35 is actually the average, and about $1000 a month is a really great start! You should focus first on maxing your retirement accounts, certainly your Roth IRA, before prioritizing a taxable account. You only do taxable after getting all that advantage juice from the other first, or you plan to FIRE and know exactly how much you need in a taxable to tide you over til you can withdraw from retirement accounts. Way way way better to auto set to low cost broad market index funds like VOO. I highly recommend doing a mix of US and International, so VOO/VTI + VXUS, or even simpler just VT. VT and chill on auto is truly the statistically best way to get your money working for you long term. The best time to start was yesterday, the second best time is right now. Congrats, and keep it up!

DuckLIT122000

Try to keep some amount of money available as an emergency fund. For better returns on your savings, you can put it into a money market. If you know nothing about investing, I would recommend only using a website instead of getting an app so you don't look at it as often. The goal is long term growth, so no reason to look at it frequently and potentially get scared into selling when the market is down. Like people said, VOO/SPYM/VTI/VT are very safe long term investments. Keep in mind that IRA contributions are limited to your earned income, so if you are not working, you'll have to use a normal brokerage account.

Donut_LordO

I would not push him into investing, but maybe show him how $250k in VTI would have made him $5100 monthly on average.

littlebobbytables9

You're trying to avoid overvalued stocks by investing in a growth fund with a P/E of 38.4 compared to the 27.4 of VTI, the fund you're running from?

professional408

S&P 500. VTI. VOO. Broad Market Index funds. Set it and forget it.

Narkanin

Does he play video games? Try a small amount in whatever game companies he’s really into and then majority in something stable like spy, VTI, and probably international like VXUS. There’s also an e sports etf which bounces around a bit, that could be interesting to him without being make or break

MuntzDesigns1

Open a Vanguard account (Roth IRA) and invest in VOO or VTI with some international exposure like VXUS. Keep in simple and set up recurring investments.

Fantastic-Ice-1402

A target date fund is fine to start with while you learn. It has a combination of VTI, VXauS, and bonds based on the year you plan to retire. At a young age you could probably just do 65% VTI and 35% VXUS and no bonds until later.

ofesfipf889534

VTI

GWeb1920

VTI is the 19 and QQQ is the 24th so that’s the big initial push with no new equity released. 2.5 billion or so for VTI and 3.5-4 for qqq/qqqm so about 5-7% of total float. ITOT is September so there will be more unlocked shares by then but unlocking more shares increases the float and trigger more buying by the other 3.

GWeb1920

So it has 3 big bumps coming that everyone is aware of. VTI buying, QQQ buying and ITOT buying. Then it needs 4 profitable quarters for SPY and VOO. This is combined against investor lock ups going into Q2 earnings. So it’s going to squeeze, the major investors in the IPO will take profits and we get to see if retail can hold it up. If one looks at Bitcoin one can see how irrationality can maintain price forever.

CaptainDorfman

I’m in VTI in my retirement accounts (Fidelity BrokerageLink and Vanguard IRAs) and am seriously debating switching to VOO and VXF.

Mobile-Bar7732

It will be included in VTI after 5 days which a lot of people hold in their retirement accounts.

Beautiful_Benefit319

Well, only invest in equities if you don’t need the money for at least five years. And I believe for most individual investors the vast majority of their portfolio should be in low cost total market index funds like VOO or VTI. These give you diversified exposure to a variety of sectors. You will float up as top performers are helping to lift the market and your risk is mitigated on downturns. It’s very difficult for the individual investor to outperform the market averages with individual stocks. Less than 10% of my entire investable assets are in individual stocks. They don’t usually outperform the market average but I enjoy the process, data and news.

JeanneDarc0

Just do VOO or VTI and call it a day bro, maybe throw in international exchange stock like VXUS for diversability 😂

Exquisite-Load8654

1. Stop thinking. You aren’t capable of predicting anything as it relates to the market. 2. Stop listening to the opinions of people who ALSO do not know. The most accomplished investors in the world can’t predict what the market will do. This is a critical lesson you must understand. 3. Buy VTI every pay period for the rest of your existence regardless of what the market is doing. Markets up - buy. Markets down - buy. Congrats. I just helped you shave several years off your retirement. 8 digit guidance. Good luck.

Exquisite-Load8654

1. Stop thinking. You aren’t capable of predicting anything as it relates to the market. 2. Stop listening to the opinions of people who ALSO do not know. The most accomplished investors in the world can’t predict what the market will do. This is a critical lesson you must understand. 3. Buy VTI every pay period for the rest of your existence regardless of what the market is doing. Markets up - buy. Markets down - buy. Congrats. I just helped you shave several years off your retirement. Good luck.

c-u-in-da-ballpit

You’re asking the same people that you’re saying you shouldn’t have listened to. DCA into VTI and stop overthinking

SurgicalClarity

Like others have said, these numbers just aren't realistic. I'd start with the /r/personalfinance flow chart. https://www.reddit.com/r/personalfinance/wiki/commontopics Keep enough in checking to cover your monthly expenses (which I'm guessing are near zero since you're in high school) with a little cushion. Put the rest in a high yield savings account for now. Check bankrate.com for options but you should be able to get 3-3.5% at the moment. If you're not going to need the money for several years, you can consider investing. Once you have income from a job, you can consider a Roth IRA, or a taxable brokerage until then. You can open these accounts at a place like Vanguard or Fidelity. If you go the IRA route, consider a target date 2070 fund, or roll your own 3-fund portfolio (VTI, VXUS, BND). If you use a taxable brokerage, definitely don't do the target date fund as you'll be taxed on the capital gains distributions even if you don't sell.

ubetgreentree

As some have said, if you don't need it to get your education put it in an index fund (I would suggest VTI) and forget you have it for 30 years. If you are hell bent on the semi-passive/active side, you could study real estate and buy a fixer upper that could be rented out after you DIY the fixes. Will obviously not generate $6-7k per month.

InvestingNerd2020

So $21k after living expenses and taxes. It will be tough because you need your money to compound and grow over 20+ years typically. Check and see if your employer offers a Roth 401k. $24.5k contribution limit for 2026. Within 5 years while remaining employed and contributing $20k per year, you will have put away $100k USD at age 36. After $100k, your money exponentially works for you. Easy path to early retirement after that. This assumes there is a Roth 401k offered. If no Roth 401k offered, You can focus on building wealth via the company regular 401k plan. Same contribution limit, but pre-tax contribution. Follow the same plan. Unfortunately, any withdrawals before 59.5 years old will have a 10% penalty and taxes on that untaxed income. A taxable brokerage account is another option. No 10% penalty, but you will have to deal with regular taxes on capital gains. Use a stable core ETF (VTI or VOO) and some growth individual stocks with a good balance sheet (Google and Nvidia).

GatorBo69

The stock market has become a massive catalyst for actual consistent growth and stability, with the ceiling not even perceptible.. it will have its “once a year pull backs” but DCA investing into the market is nearly a foolproof investment that should at least compromise 60% of your entire portfolio. I’m a big believer in holding 10-15% of your portfolio in hard assets, as I have over $200k in physical gold/silver eagle coins in my safe that I’ve been collecting since 2013.. “Fear” of a recession or crash is futile, bc it’s inevitable for a pullback but that shouldn’t scare you of DCA your investments. Expect a massive spike come July, when Trump Accounts for children become available. Think of how many Americans will max out each of their children’s $5k per year allotment come July. I sure know I will be putting $5k into VTI for each of my two kiddos(6 & 4).. by the time my oldest is 18 she will have at least $100k in her account which then will be converted into a TradIRA. From there you can convert it to a RothIRA by only paying taxes on the GAINS, let’s say $40k of the $100k are gains and since she will already have a job and be in college I’ll be able to avoid the “Kiddie tax” and she will most likely be able to still get a refund from her minimum wage job and the tax bracket she’ll be in. Having $100k in a RothIRA at the age of 18 will essentially set her up for life, where if she wasn’t to contribute a cent it would still be worth over $8m by the time she retires. BUT, I will have taught her the importance of investing and she will at the very least know to contribute 20% of her money into that account. If I plan on doing this as an upper middle class American I can guarantee you almost every one else invested in the stock market will be doing the same thing!! Plus, the 4th of July being the 250th birthday for America expect this summer to continue the market’s momentum. The midterms will present a bit of a pullback but fear cannot be your mindset if you invest in the stock market, it only prevents you from maximizing your retirement.

Informal_Bench_7219

Yeah I’m getting cucked on this. Glad I mostly invested in DRAM. Just hoping to break even so I can get out and VTI & Chill

InclinationCompass

Not worried - between VTI and VXUS, I’m invested in over 12k stocks across the globe.

Necessary-Lie8487

Holding VTI 370 call. Do I hold till exp on 6/18 or cash out??

SirGlass

Well you can buy a similar investment and still get the gains Usually its rotating between several similar funds. VTI, ITOT, SCHB . If the market has taken a dip and some of your VTI lots have losses you can sell VTI and buy SCHB If the market rebounds you still have it covered with SCHB

SirGlass

Lets say you DCA into VTI but near year end it has taken a bit of a dip. Then maybe you have other capital gains for a year Well you might be up a lot on VTI but not every single buy, you can choose what lots to sell and you can sell any lots you have with a loss You can then turn around and buy something like ITOT or SCHB what is very similar but are not counted for wash sales

jason_saver

520k is still life changing money for most people tbh. even just dumping it in VTI and forgetting about it would do more for retirement than chasing AI stocks. time in the market not timing the market

InternetSlave

Id buy VTI and I'd buy all of once. Time in the market beats timing the market. Maybe 50% now and 50% in 6 months.

Illustrious_Gift1609

That was my original intention but after the first year, the interest rate is the current rate. 2% first year, 6-7% or whatever the current rate is at the time. Thanks for the suggestion, I am leaning towards VOO or VTI over a rental property.

deepserket

The crash (which one by the way?) may take years before it comes, that's why it's not wise to disinvest everything. - 20% VTI - 20% EXUS - 20% managed futures - 10% catastrophe bonds - 10% 7-10y US treasuries - 10% gold - 10% emerging markets unhedged bonds 7-10y If the big one comes, once you're pretty sure you won't lose your job, you should be positioned to buy at a discount.

ShortHabit606

15% of a portfolio is a big ass bet no? I've heard of managed futures before. Is there an obvious best practice to start (like a VTI or VOO of managed futures)? And is there a good resource on understanding them that you found useful?

master_jeriah

I mean, that's really but necessary though. My parents pay professionals that invest and they aren't even beating VTI. If I were him, I'd skip the advice, get into market immediately, all in VTI. Then don't check for years. This is the safe route. Myself, I'm all in on Google and time will tell for me

F3_Denari

Investing is always worth it, especially starting in your teenage years. Low fee, broad ETF like $VTI or $VOO are great options for you to research.

Shadowrunner138

I agree, it's one thing to have some fraction of an automated portfolio that adds a small percentage of his stocks whether you like it or not, like VTI or something. Entirely different to be dropping direct cash in significant sums on purpose to a guy whose "heart goes out to you."

Ok_Maintenance_3122

Thanks! And yeah, the more I study the markets the more DCAing every month into VOO and VTI seems like the best (and least stressful) strategy for medium or long term horizons.

AnotherThroneAway

You're going to get a lot of answers here. The best, actual answer is: do what makes you feel most comfortable. That said, here's my 2¢: Put about 20% of it into VOO, VTI, or your index of choice—and the rest into T-bills or a core account that returns at least 3.5%. A month from now, move another 20% into index funds. If there's an irrational pullback in the meantime, consider moving more. The reason for this isn't so much to average your cost basis, as it is to give you a tiny bit more control over your eventual tax situation. It's possible that a year from now you'll want to sell some at prefereable capital gains rates, and you can then select from tax lots that have higher or lower cost basis, depending on your tax needs at the moment. Or if the market moves sideways for a while or even dips, you'lll have more options for tax loss harvesting.

HatsuneM1ku

? If you currently hold QQQ or VTI, you're forced to buy spacex because you're buying the index fund's underlying stocks. When a retail investor buys an ETF, they are still a retail investor, they don't automatically turn into a institutional investor.

sleep-Tip-3558

If QQQ or VTI owns it than that would by definition be institutional investment not retail. Also again, you're not forced to invest in anything

OxRedOx

Long term index funds, don’t worry about timing. If you can’t stop worrying then invest it in chunks but in the same things ( VTI, VT, DIA, QQQ, VTWO). If you might need some of it in the next year or two then put that amount in SGOV or BOXX because those are fixed gains with no volatility. Don’t worry about a crash imo, it could fall 10% and it would likely be a wash in two years, especially when you consider that the crash could take another year.

HatsuneM1ku

If you have QQQ or VTI then yeah you're forced to buy it

Natural_Level_7593

As a regular listener of Marketplace, I am compelled to say that the stock market is not the economy. The S&P is a good representation of the stock market because of its size, 500 companies. The Dow is a much smaller index of about 30 companies from the S&P 500 and is even more subjective. If you are looking for something that tracks the entire market go with VTI, but as an investment it typically performs slightly worse than the S&P because it is the total market with no quality screens.

Creative_Poet_9590

If you want to track the whole US stock market rather than just the S&P 500, that's what $VTI does https://investor.vanguard.com/investment-products/etfs/profile/vti

adiabatic_storm

I've always thought it interesting that risk adverse people are willing to accept a guaranteed bad outcome, instead of taking some low to moderate risk on something else that at least has a historical track record of success with an expected value much higher than the "safe" alternative. Like, yeah I get it, volatility is hard to stomach at times, especially in crashes or prolonged bear markets, but the irony is that if you stay committed to the higher volatility yet also higher expected value strategy long term, the strategy still significantly outperforms the "safe" one even after adjusting for a significant crash or correction. I mean look, if all you have to your name is $5K then there's a good argument for stashing that in an emergency fund / HYSA, but the idea of committing any real amount to money to guaranteed demise (via slow but insidious and continuous devaluation resulting from inflation) is clinically insane. You want time on your side, not the other way around. $10K invested in BND on April 10, 2007 is now worth $17,700 today. $10K invested in VTI in April 10, 2007 is now worth $71,622 today. (And that's after riding out the 2008 crash and everything else that has happened since.) The stock market could crash 70% tomorrow and you'd still have more money from the original investment in VTI than BND. Which begs the question: What's really more risky, anyways? I think we have to measure risk not just as potential for sudden downside corrections, but also in terms of opportunity cost on the way up. Those losses are just as real, you just don't see them like you do a direct loss, so it's easier to miss.

Average_TechSpec

Buy VTI/VXUS (My split is 78/22) - more US heavy.

Exquisite-Load8654

He’s trying predict winners. It’s a losing strategy long term. Buy VTI and enjoy your life.

AboutSpencer

Go the ETF route. VOO or VTI are great. Invest half now, and then DCA the other half over a fixed timeline. Weekly or monthly for 12-24 months would likely be the best approach. Look for days that are deep in the red and capitalize on it.

Jealous_Bookkeeper20

When you hold SGRT and FMTM alongside AVLV, you are mixing growth and value tilts with momentum in the same U.S. large-cap universe. Combining these factors in a 25/25/50 split effectively replicates a core index like VOO or VTI. The problem is you are paying active management fees to do it. SGRT charges 0.59% and FMTM is 0.45%. Rebuilding a total market index this way creates a massive fee drag compared to just holding VTI at 0.03%. The same issue applies to the international side. JIVE charges 0.55%. If you put 40% of your stock allocation into high-fee active funds, you are losing a significant chunk of your inheritance compounding power to management fees. On a $500k portfolio, a 0.40% average fee drag is $2k a year, which compounding over 20 years eats up over $70k of your final wealth. Are you holding these in a taxable account or a tax-advantaged one? Using short-term bonds to cushion the inheritance makes sense if you have low risk tolerance, but holding 40% in cash/bonds specifically to buy a dip usually backfires. You end up sitting on cash drag for years waiting for a crash that might not drop prices below where they are today. If you want to tilt, keep it to a 10% allocation in something like AVLV on top of a low-cost core index fund.

Outside-Prune3611

How old are you? Buy the tone of your post, I would say you’re too young for bonds and should be 100% equity. If you’re worried about risk, you can do 100% VTI to keep it simple. If you want more international exposure, maybe throw in 20% VYMI and still simple. Good luck!

PoopyisSmelly

Which is why owning VOO, VTI, or VT is a good decision. Youll own about 60% growth anyway, and if value does better you are benefitting from that.

Illustrious_Gift1609

$240,000 VTI and $160,000 VXUS. Not financial advice. But this is what a professional managed portfolio would look like. 60/40 %. Or aggressive with 80/20.

LanceX2

50K in SGOV then DCA or just Lump into VTI or VOO man.

kinnth

Buy 3 things. \- 30% real silver etf \- 60% VTI whole stock market \- 10% bitcoin

stickymeowmeow

The overwhelming advice from people on Reddit (and this thread) is to invest in an index fund like VOO or SPY. Set it and forget it. That’s about as safe as you can get in the market, and pretty much the exact advice any worthwhile financial advisor would give you. So idk what you’re trying to say. This ain’t wallstreetbets. Financial advisors very rarely outperform simply setting and forgetting with VOO/VTI/SPY/other major index funds. Most portfolios I’ve seen from financial advisors are basically just a more complicated VTI - their “magic diversification” is a split of different market sector ETFs or mutual funds that all basically add up to what you’d get with VTI. The real magic comes down to risk tolerance and knowing how much you can invest and how much you should keep in low risk things like money market. You don’t need to give someone a cut of your portfolio for the rest of your life to figure that out.

superdreamcast

If you are young, it is better to invest as soon as possible. You can always save 10 to 15 percent cash ($40,000 to $60,000) in SGOV to buy the dip on market corrections. Invest in a broad S&P500 index like VOO or VTI. You can also invest in some portions in growth and/or value ETF because they can outperform S&P500 in some years. I like SPMO for momentum factor and VTV for value factor. How aggressive you want to invest depends upon your goals and time horizon. If you throw it all into the VOO, you will make around 10 percent a year just matching the market ($40,000+). You can lump sum or DCA. Whatever gets you to start investing, do it!

Shadowrunner138

This is on top of VTI, VTO, VEA, VIG and their tax lost harvesting equivalents/alternatives in Wealthfront's automated account, set at maximum risk level, their automated bond fund, and an automated roth. Wealthfront automates tax lost harvesting and generates significantly more than their fees.

Narkanin

There’s no timing the market. Since you’ve established your timeline is long term (assuming 10+ years here) then your best bet is to stay really simple with most of your money. Something like a VTI/VXUS split or equivalent. If you’re worried about a drop soon, then set up automatic buys to spread it out over the next year or whatever feels good to you and just check in on it every so often to make sure all so as it should be. Whatever you decide, make sure it feels good to you. Because whatever happens, you’re the only one responsible. A small amount of research will tell you what most financial planners will tell you, but if you’re really not comfortable with any of this, then you can also hire someone.

SirGlass

VTI and schb are basically the same thing. If you are 100% invested in those it's not very conservative. Both are pretty risk on assets

Tight-Relative-4093

Hi all, new to Reddit. I’m currently investing rather conservative and was wanting some insight on how to improve. I’m 31, with a ROTH through work which is a blended fund. I contribute 10% while my employer contributes 9%, which has done well. I currently have around $63k in a separate brokerage account with \~ 80% in VTI ($287.54 cost average) and \~ 20% in SCHB ($22.48 cost average). My question is should I look into diversifying with individual stocks or look into different ETFs? My approach has been very conservative up to this point and I’d like to add a little risk to it. Thanks!

ZEALOUS_RHINO

At the end of the day VTI and VOO have an 88% overlap in market cap so their fates are tied together. Even the other 12% is pretty highly correlated with large cap. So in a drawdown they will both get hit hard there is no hiding from that. At the end of the day, more diversification has its benefits. Owning literally everything in a market weighted fund is a beautiful way to be totally neutral to the market.

Flayum

Thanks. Do you think this is because the nature of PE and investment has changed in the last decade+ or could it be a result of the 15yr+ bull market? A concern I would have is a recession affecting the large caps harder than others, causing an even larger drawdown in VOO vs VTI.

Succulent_Rain

What catalyst are you waiting for? Since the stock is flat, why not unload some of it now, then wait for the stock market to crash before you buy some VTI?

thebiglebowskiisfine

I had a very similar windfall. I'm still holding the stock and retired at 51. Stock has been flat for several years, the tax bill is going to be several million. If I were you I'd come up with a schedule and start unloading DCA style. I'm waiting for a few catalyst and then I will reduce the position by about 80% into VTI.

Flayum

Why VOO instead of VTI or VT?

nachoman_69

If you have a total stock market index fund, like VTI or VTSAX, you're one of those people lol, and if you have an index fund of the nasdaq100 you're one of those people like 5x as much.

Top-Classroom3984

I do. Mostly VOO and VTI.

robocarl

I switched from VTI to VOO to avoid this mess

Inevitable-Lychee572

First investment ever, am I on the right track? - 40% in VTI, 30% in VXUS, 30% in SCHD I’m 28 and finally teaching myself how to invest. I’m currently a grad student and don’t have a ton of money but am hoping to invest a chunk, set up small monthly deposits, set the dividends to be automatically reinvested, and then leave the account alone. I want to do this with a Roth IRA and also a brokerage account that I can access before retirement. This is my first time, so please be nice if I’m totally off base. I’m excited to be learning how this all works!

Silent_Anybody5253

All of the suggestions about VOO or VTI are very sound advice. If you want to go a little more upside you could do a fund like FMTM or SGRT. Still a fund spreading out the money but with a thesis that targets higher upside. Obviously more risk but over the long run still not as risky as something like SpaceX

AnnO55783

You did not miss anything by skipping the IPO, that is the right instinct rather than a regret. With a thousand dollars the specific fund matters far less than building the habit, so a broad market ETF like VOO or VTI and then adding whatever you can spare each month is the whole answer. The one rule I would hold onto is that this is long-term money, leave it alone through the inevitable down years and let time do the work. There is no judgement here, everyone starts somewhere.

jaajaajaa6

Your father is lucky to have a son that cares about him. Put the $1000 in a low cost broad market ETF like VTI which is the entire US stock market. And then just let it sit.

Days_End

VTI is a passive fund coving the whole USA market while VOO is an active fund that buys whatever the S&P500 committee picks. The S&P committee has choice not to have SpaceX in the index at the moments but can change that whenever they feels like.

DanTaude599

fwiw at your age the boring total-market fund will almost certainly beat the risky individual picks over 30 years, thats just how the math tends to shake out. if you want a dividend tilt SCHD or DGRO inside the roth is reasonable, but id keep the core in VTI and treat the stock-picking as a small play-money slice you can afford to lose.

GetOutOfTheWhey

Good catch Which they qualify immediately for due to their market cap. They just need to wait for 15 days of trading. Other etfs might have shorter ones like VTI with 5 trading days

hellobubbles1

Huge losses split into small losses to all retirement accounts with vtsax/VTI and similar funds. It's genius, they are stealing from the poor a bit at a time to enrich themselves while most of them don't even know it . I sold all my vtsax/VTI holding and switched to only funds that follow S&P 500 index.

GelatinGhost

True Bogleheads with VT or VTI are fine. Unfortunately I fucked up by having a good amount of qqqm in a taxable account and I can't easily change it now.

FoggyFoggyFoggy

Below is my all equities Roth IRA. (I have a separate, more conservative, VTI-VXUS-BND-BNDX tax-deferred account.) SPMO 45% VEA 35% GOOGL 10% RY 10% What U.S. equity ETF would you add to this Roth IRA?

InvestingNerd2020

Yes! I have a custodial account for my daughter and a separate 529 plan for her. Me and my wife put half of our work bonuses into the 529 plan, and I routinely contribute to the custodial account ($30 monthly). Since it is a taxable account, I highly recommend ETFs. I personally use a Total USA stock ETF (SCHB). VTI or ITOT do the same thing. If you want tech/growth sector ETFs, look into: FTEC, QQQM, or SCHG.

GaylrdFocker

>My portfolio only has VOO but I would love to add growth/value stocks in the future. What deters me are the classic stats of no one beats the index funds So keep doing index funds. Use VTI instead of VOO to add small/mid cap and VXUS for international. Or keep VOO and add VT for everything in 1 fund. The VOO you have will just mean you're slightly overweight on Large Cap but that's not a big deal.

Reign_of_Kronos

Problem is he still got in on NASDAQ and other indexes like VTI, VTSAX… sucks for people like me who are mainly in VTI vs VOO.

MiserableSpare403

I am a former MSFT engineer. Starting from about 2023 and continu from the bottom up is burned out, morale is through the floor. Stackranking has returned and there are constant threats of layoffs, but now they’re even worse because they are not actual layoffs with severance, now fire “for cause”, citing performance, when they need to layoff people. Constant reorgs because of people leaving then managers only having like 3 reports remaining on their team. There is a divergence in visa dependent engineers who are stuck, while citizens/LPRs who often have more established skills and experience, vote with their feet to leave. Yes they have some cash cow products and entrenched lock-in but they are killing their ability to innovate in the future, as well as giving up on entire product lines (gaming). I dumped most of my MSFT holding and it is now only 4% of my account. I maintain exposure though VOO/VTI but I no longer want to be overweight in it. I reached my “limit” with MSFT not as an investor but as a burned out senior engineer there, and it makes me not want to hold it as an individual stock long term.

MiserableSpare403

I am a former MSFT engineer. Everyone from the bottom up is burned out, morale is through the floor. Stackranking has returned and there are constant threats of layoffs, but now they’re even worse because they are not actual layoffs with severance, now fire “for cause”, citing performance, when they need to layoff people. Constant reorgs because of people leaving then managers only having like 3 reports remaining on their team. There is a divergence in visa dependent engineers who are stuck, while citizens/LPRs who often have more established skills and experience, vote with their feet to leave. Yes they have some cash cow products and entrenched lock-in but they are killing their ability to innovate in the future, as well as giving up on entire product lines (gaming). I dumped most of my MSFT holding and it is now only 4% of my account. I maintain exposure though VOO/VTI but I no longer want to be overweight in it.

ThanklessWaterHeater

Taking on a little more risk to get a little more return than VTI is fine. But \*crypto\*? What the hell?

Enchantedc0w

Just buy VTI. it will be on there as soon as next week

_Clit-Commander_

Just quit and buy VTI this is not for you lol

Outside-Prune3611

I tend to agree. I think people over complicate things. If I would have just held an S&P index since 18, I would’ve been way ahead of where I was 10 years ago (44 now). I have been disciplined and investing since 18, but I always thought I was smart and tried to be fancy, usually setting myself back or underperforming at the least. I think a portfolio of 100% VTI is a perfectly reasonable portfolio.

Dstein99

What percentage of the total market are SpaceX, ASTS, RKLB, OpenAI, CoreWeave. They aren’t in the S&P 500 because the S&P has a profitability requirement. ASTS is 0.03% of VTI, Rocket Lab is 0.07%, CoreWeave is 0.05%. SpaceX will probably enter VTI with around a 0.12% weighting. This bubble is around 0.25% of the total market. The difference is back in 2000 the nonprofit companies with inflated valuations had 0.5%+ to whole percentage weightings in the market so their fall pulled down the rest of the market.

PowBeernWeed

There’s more dumb money then smart money out there these days. Sounds like you’re also a financial professional. I’ve called the bottom relatively close to when it was by simply just hearing what people are saying. I used to joke, I bought VTI anytime I had a conversation with someone who wanted to panic sell. After a few of those ledge talk offs, I know we’re close to the bottom.

Axe_Raider

which indexes do you mean? 5 days for VTI. 5 days for Russell. 15 days for QQQ. what index is doing 45 days? > Due to extremely low float shares available (4-5%), the stock will moon when the major etf and funds buy it. float weighting. every major index besides QQQ is float adjusted. a company cannot hack its way into infinite growth by just releasing a tiny amount. so the only wildcard is QQQ. and you can find out how much funds following QQQ will have to buy, and then compare to the volume of SPCX to see how hard it will be to acquire that much. remember everyone planning to "hold on until QQQ buys" will be trying to sell at that exact instant.

TDot-26

I know I am. Back to VTI and chill with me. Held it all of 5 minutes and it was the most stressful 5 minutes of my life. I do not have the fucking heart for fucking gambling bruh

Pen_Swordsman

Already got 10 shares traded out of 8 at 165. Basically got 2 shares for free to hold while I just dump into VTI. If it moons at least the total market owns a bit of it.

_IscoATX

Less than 1% of VTI sis going into SpaceX.

TDot-26

I'm glad I have no idea what the fuck OP is talking about, VTI and chill I'm just here for entertainment

Bill_Clintons_Desk5

My buddy pays someone to put his money in VTI for him

Luxferro

How are they cutting to 20% when they are only releasing 4-5% to the public? SpaceX will only make up 0.1% of VTI according to Google.