VTI
Vanguard Total Stock Market Index Fund ETF Shares
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Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Vrgg russell etf - what are everyone's thoughts?
8 Investment Lessons I Learned from Stay Calm by David Booth
Isn’t concentration actually proven to win over the long term? .
Planning on bolstering my portfolio against taxes. I'm relatively inexperienced when it comes to the market, so I would like some advice.
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
IRA vs. Taxable Account (Keeping the money in for 20 years).
Avoid chasing new AI chip stocks and accumulate TSM?
Moving Cash Allocation into Tax Advantaged Accounts instead of After-Tax?
Tax-loss harvesting vs rebalancing into VTI before a 2028 home purchase?
$119k VTI/VXUS long position YOLO. I'm a wild and crazy guy.
What’s the best way to draw down from a money market fund?
Thoughts on FZROX and FZILX over VTI and VXUS in a Roth IRA?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Sell individual stock at a loss, pay down principal or reinvest into index funds?
How should I split my Roth IRA between VTI and QQQ?
Are bonds/fixed income really required for someone approaching retirement?
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
Best Way to Diversify Brokerage vs Roth IRA?
Choosing Between Lump Sum and Weekly DCA VTI
40% of Stocks Experience Catastrophic Losses, and the Best Performers Suffer -69% Drawdowns on Average
19-year-old college student looking to invest for the long term. What would you buy in 2026?
39M tech PM. My RSUs quietly became 55% of net worth and I didn't notice till last week
I invested $6000 for the first time in February and I'm down 22%
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
Sold $HOOD, took profits, and re-entered. Do you believe in Robinhood long term?
60 VTI/ 30 VXUS/10 VMFXX. Should I (33) rebalance to include bonds?
Too much of my portfolio is from RSUs - how would you diversify?
I spent 6 years trying to beat the market. Mostly I just learned how hard that is.
Critique the direction of my 14yo son’s Roth IRA we started this year
How does this mixture look for my 14yo son’s Roth IRA?
New to investing, not sure if im doin it right
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
What about VYM? That seems pretty immune to the shenanigans of the tech bros. You can't fake dividends.
Paying 1.86% at Ameriprise and thinking about simplifying. Is that fee still reasonable?
What $10k invested in 8 major indices would be worth today *PART 2*
What $10k invested in 8 major indices in 2011 would be worth today
Bullish thesis for SPCX into the summer
Bullish SPCX Mechanical and Macro Thesis in the next month
Donor Advised Fund (DAF) asset allocation, crypto?
Aggressive Roth IRA at 18 – What Would You Change?
Spacex, OpenAI, and Anthropic IPOs are investment opportunities and don’t let anyone tell you otherwise
used to dread rebalancing day, now it runs overnight
PSA: Don't be a bag holder for SpaceX and AI companies
Investing Opinions for Recent Grad with little student debt
Built my first Roth IRA portfolio in my 20's - here's my 6 ETF allocation and the reasoning behind each pick
place for stock picks that are not used for calls or puts? Higher risk growth picks?
Mentions
People shouldn't be buying the sp500 and telling themselves it's a passive strategy anyway. You're making an active decision about which sector or the market to buy. Passive is VTI and VXUS. SP500 is a subset of VTI and thus tracking it is active management.
I have a fidelity Roth and I use their low cost index versions of VTI and VXUS. For VTI it’s FSKAX and for VXUS it’s FSPSX. They use the same index and everything. I like those ones over FZROX & FZILX because the zero cost ones use a proprietary index that’s why they don’t have fees. It’s like name brand vs private label. Is it the same? It might be but I’ll pay the .01% fee for FSKAX. It might as well be zero. And you get the same index as VTI.
That’s why my brokerage account mimics my 401k, VTI for life
VTI or VOO just pick one
Given you just sold an ESPP and have a big cash pile, I'd lean 75‑80% in a low‑cost total‑market fund like VTI or VOO, and tilt the rest 20‑25% into a mix of passively managed growth such as VUG, VGT or a small‑cap blend. Don't double‑dip on the same mega‑cap tech names; they already flood VTI and VOO, so a small bond or tax‑efficient hedge can add a safety layer if you land in a higher tax bracket. If you’re comfortable with high volatility, a couple of spots in a semiconductor or space ETF (maybe SPMO) add a spark but keep it under 10% of the portfolio. Keep it dollar‑cost‑averaged each month—this smooths the swings and lets you readjust the tilt back to the core over time.
Dude get VTI, SPXXX and Schwab ETF;s and quit gambling
Time to put everything into VTI and never touch options again.
VOO or VTI as the core, then tilt some into QQQM if you really want more growth
I prefer (and have been advocating) VEU and it's still beating VTI YoY, YTD.
VXUS was outperforming VTI by over 10% earlier this year. That lead has completely evaporated. Looks like VXUS’ streak of outperforming beginning from 2025 is going to end at one whole year.
You can't diversify with VUG or SCHD. You would do VTI or VT.
I’ve already bought so many dips and sold when we’ve hit ATH to the point where I’m only holding index funds and am at 20% cash in my Roth IRA. Do I dare to go to 25-30%? I still have shares of VTI I bought at $382 as part of my regular buys that I’m absolutely planning to offload if we get there again.
What safe ETFs are you in? Should just be VOO VTI VT.
I'm currently doing $100 a week. I'm doing 75% VTI and 25% QQQM. I just want more tech focus. All on auto buys. They'll just keep DCAing
I have been investing for a little over a year, solely in ETFs because I like the idea of the slow climb over time as well as it just being a lot less to manage. I want some advice on what I should consolidate doen to or if these are good long term plays. With that being said here are my holdings ROTH: VOO, VXUS, VGT HSA: VTI, VT Yes I am aware that there is overlap. Most of it, such as the VTI and VT in the hsa is from when I initially started investing in VTI but switched to VT to invest broadly. Started investing in VGT purely because I like the tech sector.
Just continue to buy every week if possible. All you need it VTI/Vxus. Set it for auto and chill until your in your 60's.
Stocks can always go down. Look at VTI chart over the past 5 years. Long term trend goes up. If you're young it doesn't matter, just keep buying with money you do not need anytime soon.
I agree with the other commenter. If you keep putting off getting into stocks due to fear and uncertainty, buying VTI is an easy and good way to start. You’ll get a feel for the buying process.
Do not listen to any article telling you which stocks to buy. Log into your broker, buy VTI and that's it.
I would do VTI for 50%, VUG for 20%, SMH for 20%, and 10% for individual stocks that you have high conviction. So that you have a core VTI holding, with the other 50% exposed to high growth sectors capturing the AI and tech opportunities.
hey, five reasons why VUG/VGT/SPMO alone miss the mark: (1) they all sit on the same Magnificent-7 backbone so you’re basically betting on a handful of names; (2) you’re ignoring whole sectors that grow faster in a downturn (things like utilities, consumer staples, energy); (3) big‑cap growth can stall when rates climb; (4) a taxable account craves low turnover – buy once, hold long, ditch auto‑DRIP; (5) dip‑home base with a core of VTI (or VXUS if you want some abroad) at \~70 % and the rest into small‑cap value (like I,J,V) or an international tech spread. that gives you the “aggressive” upside while keeping a safety cushion and cutting distribution headaches.
LEFTs But fr, when investing in a taxable you need to be as tax efficient as possible. You should buy VTI/VXUS at 80/20 since you want to be aggressive. Bonds can also be beneficial from a tax perspective.
VTI is almost identical to VOO -- look at their charts. No need to hold both. Just one more ETF? I would look at an international stock low cost index for diversification, assuming you want all equity.
Completely redundant picks. SCHG and VOO have 90% overlap... What are you trying to achieve by holding both? Stacking Nasdaq100 on top of the SP500 is just doubling up on 100 of the 500. Just decide whether you want the other 400 companies or not. And VTI on top defeats the purpose of buying VOO and QQQM in the first place if you're just gonna buy everything. SP500 is a handpicked list of companies by SPGI... if you're gonna buy the entire market, there is no reason to also buy this. I'll also point out that you are 100% exposed to the US market only. Nothing here is giving you any international exposure. If the US market tanks, you're gonna feel it.
VTI makes the most sense if you're looking for an alternative to VOO
Just pick VTI or VOO and forget about it. All of the funds you listed are so highly correlated (like over 90%) that it doesn't matter in the grand scheme.
I like VTI, more diversified and about same perf as VOO
Yes, it sounds like VTI or VOO or some other broad ETF would be better for you.
I’d go 100% VTI. They’re nearly identical.
This sub is for gamblers lol. I would just stick to the index funds and keep throwing $100 at it every day. SPY VTI whatever
VTI would probably be safest, but QQQ tends to gain more annually, and they are pretty correlated.
VTI? Diversification? This is a degen sub
VOO or VTI and just that. You want to make more, buy on margin. You'll get double the gain, but also double the losses if any, and these etfs normally make at least 4 times the interest rate, so win win, unless the economy really goes down, but that's risk for you...
https://preview.redd.it/ybij02p1pbth1.jpeg?width=1320&format=pjpg&auto=webp&s=0e31a2c59c188b8fbee7957f06c50edf9f1933e6 Just in case you were wondering what VTI and chill would look like
still up 275 today, could be worse. VTI and chill isnt giving up, its admitting you like money more than gambling
I would do VTI/ VXUS at 70/30 to stay diversified.
I just heard that tastytrade in the US accepts EU residents. It is a US only broker, but as a US broker it isn't bound by PRIIPs/MiFID, so you can buy **US-domiciled ETFs** (VTI, option-income/leveraged products) that IBKR blocks for EU retail. I cannot guarantee that the latter is true, you have to verify it, but it is worth at least to try. I give you a reference https://tastytrade.com/learn/accounts/account-types/international-account/ As far as I know tastytrade is a platform that originally was created for option volatility risk trading. But nowadays it is just another independent broker in the US that gives you access to index funds, individual stocks, futures, option trading etc. Compared to giants like Schwabs or IBKR is small, it holds only $4B assets from clients.
I try to put in 10% of my paycheck each paycheck or set it aside for the month. I spread it out between 60% Domestic, 30% International, and a tiny 5% REIT and 5% commodities pocket. inside that domestic I split amongst the S&P 500 and Russell 2000 then keep a small stake in VTI which puts me heavily enough in the top end tech that I want to be in, but its a slight concentration risk I am very aware of. When you are diversifying you need to know what you are diversifying against. I hold BTC which is very unpopular around these parts. It's not a sizeable portion and it is strictly if something dire happens in the U.S. and dollars collapse as the world currency. If the world standard moved from dollars, I wholly expect the internal dollar valuation to follow hyper inflation into the ground. This is a very very very unlikely scenario - but if it ever did come to pass, I have something I could cash out in another currency that isn't dollars and start over in a new country. Actual real estate to me is more about cash flow than long term investment growth. The risk isn't any safer than equities in most cases because there are so many variables around keeping it profitable. You'll rarely double your money over a 7-10 year horizon, but the market does that fairly consistently with the right balanced ETF plays. So simply ask yourself why you are diversifying. If you want to see growth, then diversify amongst different types of growth assets and if you want to reduce risk - balance it with a small subset of assets that move opposite of your growth assets. Crowdfunding and crypto definitely don't make equities safer - you are just mixing different kinds of high risk together with your high risk equities. Mix your risk types but also your risk levels - Treasuries, Bonds, and Tax-Exempt securities are generally very safe so if you are trying to make it safer, you need to go to lower risk levels, not different types of high risk. Hope this helps!
VOO distributions through Q3 this year are about 7% higher than the same period last year and VTI distributions are about 6.9% higher. This may not hold if you have a lot of international exposure. Are you sure you're comparing the same period? Sometimes dividend payments can shift +/- a few days depending on the year and the calendar setup.
The graduation point is fair for a plain small-cap index. Something like 40% of the Russell 2000 is unprofitable companies, which is the drag you're describing. AVUV is the one people recommend because it screens for value and profitability, but it costs 0.25% against 0.03% for VTI, so you're asking the tilt to beat a 22bp hurdle every year, and it has gone multi-year stretches without doing that. I'd treat it as a 10% satellite you're willing to be wrong on, not a core holding.
Or even VTI + AVUV. Yes there is overlap but that isn't a problem. The small cap factor is increased relative to VTI only. So a 90/10 VTI fund is a reasonable way to form a mostly balanced portfolio but with a small cap tilt.
People seldom only hold a small cap fund like AVUV (or only IWM for the Russell 2000). Instead of comparing VTI to AVUV, compare VTI to someone holding AVUV+SPMO. Your "grow out of" idea is covered if in addition holding AVUV for small caps you hold a similar fund for large caps.
First it isn't guaranteed small caps will outperform the broader market despite the fact that they did in the past. However if we ASSUM they will which your post does then your logic is silly. Yes some small caps will grow large enough to leave the index but they did so by growing FASTER than the broader market and then slow down once a mid/large cap company. Small caps can't both outperform as a market capitalization AND also underperform at the same time. Yes successful small caps will leave the index from time to time because they are now too large and new small caps are formed all the time. Back to the original premise though small caps did outperform in the past but markets are different today companies tend to remain private for longer they may simply IPO as a large cap. It is also common for major tech to buy up small competitors while they are still private. SO small caps may very well NOT outperform the broader market and it may be wise to just opt out of trying to guess what happens and just own the whole market i.e. VTI. It isn't however for the reasons you mentioned.
I have the same thought. As I buy back in, I’m diversifying more. Previously held mostly VTI, now I hold a mix of VTI, VXUS and AVGV - no idea if I’m just getting lucky but it seems to be working - my Roth IRA is beating my boring Bogleheads set up rollover IRA by nearly 5% YTD.
lol. This is why I buy ETFS. I timed indiv stocks in 2020 and 2021 perfectly but I know full well I was guessing( casino and cruises ). Sold them and VTI and VGT ever sense.
What data makes you think you’ve had “pretty good success”? This should inform how much you allocate to your own alpha strategy vs. just owning the index (beta). Hard to beat VT (VTI+VXUS) for equities.
Cash out 150k and buy VTI, pay taxes, and stop gambling
i found the biggest shift for me was nothing fancy—just zeroing debt, locking in a 3‑month buffer, and then slamming the rest into a low‑cost total market ETF. i keep about 6k in the HYSA because the contractor side stream feels a little shaky. once that’s covered, every extra paycheck goes straight into a VTI/VOO basket and i let the comp do its thing. the fact that you’re already debt‑free means the math is on your side—just keep the 15‑30% haul and grow. at 70‑80k a year you can hit 100k in a few years if you stop treating the account as a “savings” and treat it as “investment”.
Best advice I can give you is to be VERY aware of the content and from whom you consume content. Many Bots and People alike reflect narrow, short term views that primarily support their specific objective. Follow people who can consume data from both sides, conduct additional research, form logical opinions... There is a HUGE difference between Trading (extremely short term) and Investing (long term). When you Invest, you have to conduct unbiased research into all aspects of the Companies you uncover. Once found, you have to have conviction in your analysis. When you do, buy and hold them forever. Some that I previously came across 15+ years ago (not recommending in 2026) and began INVESTING in were JPM, Apple, Nextel (now TMUS). VTI, VT or VOO should be 1 fund in any long term investor portfolios (age would dictate weighting bias). These had their ups/downs however their returns have met/exceeded S&P500 return. 3 different sectors but the companies all have solid businesses. We need a new Warren Buffett for this current environment where Private Equity and Tech lead Imaginary (at super inflated levels) valuations and an SEC that let's such companies enter people's IRAs ,401ks... People need to also be similarly aware of WH Administration related changes as they tend to drive short term Market moves (more for Trading). I don't post much at all but saw your opening and thought I would send something.
the past 14 years have been great, but not "straight bull run." 2022 sucked and it took VTI two years to get back to it Jan 2022 level.
I mean that’s just investing at large. It’s why most people put most of their money in VTI or whatever and not all in Roblox stock
For a 5-7 year horizon with a set-and-forget mindset, VOO is already the right answer. If you want slightly different exposure, VTI adds small caps, or QQQM tilts toward tech, but neither meaningfully improves on VOO for your goal. What's pushing you away from it?
What do you mean by "safe ETFs"? Not bond ETFs right? I'm hoping safe means diversified, not risk free. At this age, you want to make sure most if not all of your IRA is in securities (e.g. VTI)
I understand having bonds for 1. A smoother ride-helps people deal with crashes- a 20% drop in a 60/40 portfolio is easier to stomach than a 50% drop in a 100% equities portfolio. 2.for a steadier bucket of money to pull cash/income from- ie, you don't want to sell equities when they're down and lock in the loss, bonds are less volatile, so you pull income from the bonds. 3. And for automatic rebalancing- when equities crash, you rebalance, effectively buying stocks when cheap. – But don't treasuries/bonds almost almost always lag actual inflation- ie, sure 15% treasury returns of the late 70s/early 80s sounds good, but wasn't inflation even higher than that, so you're still losing money on something that has a fixed coupon? Not arguing with you, just asking what i'm missing in the equation. It seems like stocks/gold/real estate are all better for growth and inflation. Not arguing, just asking what i'm missing in the equation- i have 10% in treasuries, and not sure what next steps i'm taking- this market seems crazy, feels like 1999, so i want to go more defensive, but also know that trying to time the market is very hard, so weighing either staying 60% VTI, 25% vxus, 10% treasuries (vgsh) and 5% gld. Versus selling some VTI and adding to treasuries.
I dipped my toe in when it was under $30, but I didn't have the balls to gamble more than $1,000. I'm about about $5,000 on that play, but that's not much to talk about. The tiny bits I put into NVIDIA, AMD, MU, SNDK, WDC, ASML, TSM, NFLX, MSFT, and AAPL have all printed, but I never risked enough to be life changing. If I had dumped my investments into my individual picks instead of VTI I'd have about $5 million I estimate, even factoring in for the plays that didn't pan out. No risk, no reward.
Stuff like this just makes me want to be 50/50 (VTI and VXUS) + money market. "There's no earthly way of knowing, which direction we are going, is it raining, is it snowing, is a hurricane a blowing".
200-220k compensation. Spend around 70k, invest around 100k. Max 401k Roth, 8% company match, occasionally put a little into super roth. Max HSA. Rest goes into Taxable brokerage. VTI, and precious metals hold maybe 25% of my portfolio as diversification and store of value. People can cry that metals aren't investing and blah blah but they are a dwindling finite resource and appreciate in value both historically and with plenty of decent arguments for their future value going up beyond just inflation gains.
Yeah I think I’m either get VOO or VTI and chill while all this chaos
Is the intent here to sell after circa 7 years, or to get a dividend or dividend like payout continuing after 7 years of DCA contributions, if the idea is to hold and get payout until you pass it along at inheritance with step up, I would look of OVL combined with SPYI, and maybe MBOX, just be aware since these return money as ROC which the IRS does not count as income so does not count towards AGI much until the basis runs out in 10+ years there are tax implications both positive and negative, with the basis and capital gains resetting when you die and pass it on. Of course VOO, VT, VTI, VXUS, etc is probably the safer bet
VOO + VT is just over concentration in USA. If you want to go whole world but still control your percentages, just go VOO/VTI + VXUS
What? You think hanging by a rope on your back doesn't fix your spine being snapped in half? Dumbass, go buy more VTI and chill
$200K per year; 30% VTI, 30% VOO, 20% VUG, 20% VXUS.
Unfortunately that’s not how that works at all. If there was a way to catch up, then everyone would be doing it. You’re doing more harm than good though by trying to gamble and not just buying VTI/VXUS and forgetting the password. The only meaningful difference you can make is by bringing in more money. Do everything you can to increase your deposits.
You should be up a lot more than .65 cents since May. Are you paying fees to someone? Investing is a long term game. Put it all in VTI, then keep putting more in each month (on auto-pilot), then forget about it.
If you invested heavy in tech in May it’s been somewhat stagnant since then. If you’d invested in VOO, VTI, and/or and S&P stock check the gains from May until now. You’d be up $60.
The market has been kind of down/flat for the last month. When the market starts going up (or down), you'll start seeing it. The first \~10k was super slow for me as well, but then again I started investing when the market was crashing at the start of covid. I was in the red for quite a while, but eventually when the market recovered, I've been in the green since. Just have to keep going at it and being consistent. Don't be discouraged. I keep it simple with VTI/VXUS.
While I agree that not much beats VTI, I do think OP’s investments are sound. Particularly like the AVGE. It’s just that you can’t judge whether you’ve made the right investment choices over such a short period of time. That’s what it comes down to.
Time is your friend. Don't look at it. Set up auto deposit/investment on a monthly basis. I recommend just buying VTI or VOO for now.
Our income varies but has grown a great deal since Covid. We retired in 2022 and during 2020-2022 we reinvested into real estate and rejiggered our portfolios for income focus. Our base living expenses (in Thailand) are 2500 a month. 5 bedroom villa near the beach is paid off. This gets us 2 hour massages every week, gym memberships at the 5 star hotel around the corner from us, yoga membership, all utilities and groceries, as well as Michelin listed restaurants a couple times a week. Throw in our travel and healthcare spend (we go to Singapore every quarter for medical checkups and procedures on top of traveling for fun) which averages out to about 10k-15k a month. Our income is significantly higher than this - our business still earns us about 70-80k a month. Rentals bring another 14k before expenses and taxes. Passive yield from brokerages is about 20-25k a month. Options trading income varies but on average another 20-30k a month. After expenses on the real estate and our living costs, we still have taxes to pay which amount to about 250k a year which is a total bummer as I pay them quarterly and another 10k in property taxes a year. So we’re left with about 100-110k a month that gets reinvested. Most of this is automatically invested into a basket of funds like VTI and VOO that just keeps buying. A portion sits in cash as I always have a some kind of tax payment or other payment due (usually about 250-350k in cash). I trade options on everything - cash on hand and the equities and ETFs we own. Very low percentage chance to actually get assigned since they’re very out of the money but they make a solid 2-3% a month so why not. Max out 401k and IRA of course. This year will take advantage of FEIE and FHC since we will spend less than 35 days in the US so that will avoid some tax there too (maybe 90k in savings according to Claude).
Currently 20k-30k per month except for months that I have to pay property taxes or income taxes. VTI/VXUS 50-70% ABCL 5% SGOV 10-40% Depending on how much VTI and VXUS I want to buy.
I dont think everthing is priced to perfection. May be AI and related stocks could be. That to in small/mid cap. I dont think NVDA or GOOG or AMZN are priced like that. If you are not sure about individual stocks, just put it in VTI or VOO or something related.
VT and a 65/35 VTI plus VXUS split are almost the same portfolio. VT is the single fund that already holds roughly that world mix and rebalances inside the fund, so you never have to. The split only helps if you want to set your own US versus international target and keep it there. If you split, write the target down and only trade when one side is about 5 points off, and use new contributions before you sell. In a Roth there is no tax cost either way, so the only real difference is a tiny bit of hassle. DIY is enough here: pick one approach, automate the contribution, and stop revisiting the ratio every time someone posts a new one.
About 5-10K weekly depending on expenses into taxable account, all VTI/VXUS. 401K maxed for myself and my partner and in target date funds for now
Diversifying into gold and crypto doesn't make a portfolio safer, it just adds stuff that pays you nothing. VTI is already a few thousand companies, that IS the diversification. If you want real estate exposure buy VNQ instead of convincing yourself a rental is an asset class, it's a second job with a mortgage.
I'm 60/40 in US/international. Of my US allocation, I'm half in DFUS and half in FNDX. DFUS because they typically wait much longer than VTI before including IPOs FNDX to capture some value as well as reduce concentration in certain companies
Roth QQQM AVUV Taxable VTI VXUS 401K FXAIX VSCIX See yall in 15 years
VT and chill, honestly. The VTI+VXUS split only matters if you want to tilt US vs international yourself — otherwise VT does it for you and it's one less thing to rebalance. At your age simplicity beats optimization.
That doesn’t scale well. I can slave away at my job quietly stacking QQQI, SCHD and VTI OR I can learn to trade options myself effectively. I have far more control over my *own* CCs vs someone else’s. I have the mathematical background and discipline to calibrate my risk-reward profile and have had some success with futures already but want to explore options. As I get better, I can try trading with lower DTEs and eventually w/margin
In taxable I went 60/40 VTI/VXUS because I specifically wanted to weigh international a few percent higher. In my IRA I did FSKAX & FTIHX at the same ratio
Lol. Say that to the guys who are laughing all the way to the bank and the tons of literature on the topic. I think I even remember Aswath Dandoran saying adding leverage to low volatility assets is totally fine. The only problem with 2x leverage ETFs are you may have to sit through drawdowns. However if its something you can just file away and not look at for 10 years, they should do very very well assuming your underlying asset is a low volatility asset like VTI or VOO.
re: disclaimer: So you want *bad* advice...? Weird, but ok. Choose something besides VTI/VOO/VT, set, and forget.
Why? Historically the US market has done better but past performance doesn't predict future results. VXUS has done better than VTI over the last 12 months. The way things are currently going, the international market might continue to do better especially since it isn't as overvalued. It's impossible to predict though so that's why you do both.
I do… \~ 60% VTI, 20% VXUS, 10% AVUV. Sometimes the %’s get minor adjustments.
Yes. But, if you so, keep it simple & boring. Things like VOO, VT, VTI, VXUS. That’s my advice. Or, maybe better yet, go to a financial advisor who’s a fiduciary & who will consult for a fixed or hourly fee. That’s another very good option.
At 24, you have LOTS of time and can really focus on building up your capital as high as possible early. For now your goal is to get as much into VOO or VTI as possible. The more money now, the more compounding happens over time. Consider using some momentum ETFs to build up that capital faster. SPMO, XMMO, IDMO (international). Also be more diversified by adding some small-cap value with AVUV and AVDV (international). For high growth, tech: VGT and/or QQQM. And a little SOXQ for extra semiconductors if you like. I'm in my 40s and I still hold all of these ETFs and a few others and rebalance them often.
Hey! My daughter is 24 as well and my finance guy, who I really like, just had her simplify her Roth to 70% VTI, %30 VXUS. For whatever that's worth. Anyway, sounds like you're on the right track!
VXUS and VTI, slightly lower fee overall for the same allocation at those numbers.
What's up! I would love to direct your attention to Ben Felix youtube channel. Essentially, there's a lot to investing, but it doesn't have to be difficult. Those are excellent options, I would recommend either VT or VTI or VOO, and just keep it simple. 100% total market stock index funds have beat every other strategy including adding 10% international and small cap for 30 year time horizon. Just do _not_ panic sell if and when your money evaporates by 60%, it will come back. It might take a decade even, but you _cannot know_ and if you take the loss, you'll lose out on recovery and never recover without substantial increase in saving. So yeah, keep it simple, wouldn't even bother with diversification unless its like 10% and just reallyy want to.
I do VTI and VXUS so I can adjust my allocation whenever I want but VT is simpler and you'll probably get the similar returns in 40 years.
In a taxable account you want VTI and VXUS. In a tax sheltered account it’s effectively the same.
I personally like Vanguard, in part bc it’s owned by those who invest in Vanguard’s funds/ETFs. But Fidelity is also great. Can’t go wrong with either. In terms of VT vs VTI/VXUS, I slightly prefer the latter option bc it allows you to more easily control the percentage of international exposure. I myself prefer slightly less in my non-401k investments bc my 401k has like \~40% international.
At your age just do the VTI, keep it simple.
I was initially planning on doing VOO + VXUS + QQQM, but I keep seeing people say to just stick to VT or VXUS/VTI 🥲 There’s a lot of conflicting recommendations
Between those two options they're effectively identical. VT is like a bundle of 35% VXUS and 65% VTI. If you just want to invest in "the world" then go with VT. Splitting out into US and ex-US makes sense if you want to have specific weighting leaning more one way than the other. Nice work opening an IRA at a young age, though. Great move.
People who didn’t participate to begin with. I’ve nearly doubled my networth in the past two years. Really quite remarkable. MU, MSFT, and VTI.