VTI
Vanguard Total Stock Market Index Fund ETF Shares
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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?
Funds like VT that don't have the typical index problems
Choosing VTI over VOO has cost me about $44,000.00 over the past 6 years
Small business owner here, looking for investing advice from people further ahead than me
27M, with a little over 100K on bank MMA Account, what next?
feels crazy to buy stocks that are over 4x higher than when i first invested, not sure what to do
Is there a downside of using CSPs to acquire ETFs I want to hold long term?
Roth or Brokerage for individual holdings - what is best?
If someone is worth one million dollars, how much $VOO and $VTI should they own? What if they're worth *two* million; how much then?
Is holding energy ETFs or individual stocks worth it?
Edward Jones advisor wants me to invest with him instead of on my own.
You can do it! You can always recover! VTI & chill + buying dips
VTI averaging 20% per year; am I looking at this correctly?
Any recommendations or input on my portfolio structure?
Help me re-balance my portfolio: 31F, single, hoping to buy a home in VHCOL area in near future but also work as little as possible?
85/15 VTI & VXUS in brokerage, 85/15 FZROX & FZILX in roth ira
The mental relief of finally admitting I suck at stock picking
Rate my 100k by graduation plan at plan 18 years old
Made a stupid mistake with the market and not sure what to do now
How much of your portfolio do you actually keep in 'satellite' positions?
Any tax implications/forced sale if/when a massive company gets absorbed into VT/VTI?
What % of your portfolio is individual stock vs ETF?
Avoid fast track IPO’s while keeping broad passive strategy?
Still going all-in on S&P 500 with new money, or diversifying more in 2026?
Have another $200K to invest in. Should I put another $100k all in VTI right now?
Is anyone still just dumping new money straight into S&P 500 in 2026?
With the OpenAi and SpaceX Scam Rules, What ETFs can I buy instead of QQQM?
Any specific ratio to set up recurring investment for Roth IRA long term?
What’s the reason not to just go QQQM rather than VTI/VOO etc. when looking at long term ETF holds?
Unsure how to balance risk after maxing retirement accounts
20 year retirement goal. Continue investing in stocks or buy a house?
Short portfolio analysis with positions
Rethinking Dividend vs Total Return Strategies in Your 20s and 30s
VTI vs AGTHX? What would you choose for Roth IRA
Non-US resident. Alternatives for US ETFs for 5 to 10 years’ investment period.
Rate my ROTH IRA Investments
How do you realistically shield a $800k portfolio from 30%+ crashes without killing your 7% average returns?
Mentions
If you specifically buy the S&P, if you buy things like VTI youll be impacted
I know, I meant 10 on top of that. Though, even with these 3, it does make me consider changing my primary US index holding to a mixture of VOO/VXF instead of VTI.
It will be included in VTI after 5 days.
They don't start with six figures to throw away. They start with saving money bit-by-bit like you're supposed to. Then at some point you realize you've saved up $5k or $10k, but that's just sitting in a savings account ticking up slowly. Now obviously withdrawing that $10k we've saved and taking it to the casino and gambling it would be stupid. Most people probably wouldn't do that and if they *did*, they probably wouldn't blast it publicly on the internet. But *stocks*? *Investing*? That's not gambling, that's called being smart. So as long as we are technically investing, we can take that $10k out and throw it at whatever gambling we want, and just tell everyone we're "researching" and "investing". Want to bet $10k on Polymarket? That's investing! Want to bet $10k on Elon via Tesla stock? That's investing too! Want to bet on a bet by buying $10k of 0DTE calls? That's super investing because it's options! But you and I both know that there's a huge difference between 0DTE options and legitimate safe investments, like even throwing the entire $10k into VTI and walking away. That's why we can recognize that buying 0DTE options and going in more and more until the bet either wins or we're at $0... is much more gambling than investing. And just like any form of gambling, it's obviously not a smart financial move, whoever you're betting against has the advantage... that's why it's gambling. But that doesn't mean your $10k vaporizes instantly, sure some people's will, but not everyone's. And once our $10k bet luckily turns into $30k... well now we're obviously not gambling because we gained money! Now it's investing! Now we repeat with $30k and do some more super-investing via 0DTE options. Some go to $0 (failed gamblers), others go to $70k (successful investors). And on, and on, and on. Just like at the casino. And most people doing this will eventually drop to $0 unless they are one of the few incredibly lucky ones that won (almost) every single 0DTE bet they made. Just like the casino. And now we realize that OP was never investing. They were always gambling.
Pretty safe: VOO Safe: VTI Safer: VT Safest: An overall fund that includes both US and ex-US equities and bonds, such as the Vanguard Target Date (e.g. VTTSX) or LifeStrategy (e.g. VASGX) funds.
He said he was down 11%. I doubt he holds VTI. Recovery time could be 2 trading days or never. A learning experience, we’ve all been there!
You don't want to, but that's what a broad index fund does. VOO/VT/VTI buys what people buy.
I am a VTI holder and trying to learn about stocks. pardon my ignorance please. my understanding (based on reddit knowledge) is that most people buy and hold stocks. but after reading the comments here, it does not sound like that. do you all buy and sell frequently instead of buying and holding ?
You're not doing anything wrong, but you're overcomplicating it. With 11 ETFs in a Roth IRA, you're creating overlap that makes rebalancing harder without adding much diversification. SPY/VOO/VIG already cover the large-cap space, ARKK/ARKQ/DRAM are all thematic overlap, and buying $1/day of each means tiny positions spread too thin. Simplest fix: VOO (or VTI for total market) as your core, maybe 10% in a small/value tilt like AVUV if you want to factor-tilt, and treat ARKK/DRAM as a < 5% fun-money allocation if you believe in the thesis. You'll have fewer positions to track and the compounding on a single $11/day into VOO will be easier to manage.
Ok, what are you going to do with this change? Sell VTI and buy VOO or VXUS to avoid owning 0.1% Space X? This inclusion is going to have no noticeable impact on VTI’s trajectory. There’s a ton of stocks in VTI and many aren’t desirable already. There is no reason to stress about this, any more than you might stress about Meta or MSFT being in there. Hell, MSTR might even be in VTI.
I just DCAd more into VTI. Grit your teeth and buy, then check back a few months later.
There's a couple options depending on what brokerage you use. Just do VT (Weighted world fund) if you want a one stop shop or VTI/VXUS (Total US/Total International) or whatever equivalent ticker at a 75/25% ratio if you want a US home bias tilt. There's also an argument for a 80/20 ratio of something like VOO + AVUV if you want to tilt to small cap value but have a majority of your holdings in the SP500 if you believe in the value premium model. International allocation is optional but recommended just for diversification and to avoid currency risk in a single country. Anywhere from 15-35% is fine. Doing pure SP500 is also fine. Want to avoid trash small cap growth companies and rugpull IPOs? DFUS is an active managed total US fund but with a very low 0.09% ER vs 0.03% VTI which is insignificant. As long as it beats VTI by 0.06% a year which so far it has then it's worth. Nobody knows the future though. Boomer index investing is boring and has low consistent returns, but you also won't fuck yourself trying to beat the market. Consider slowly adding like 10% bonds depending on your age too.
77k is still a lot of money @ 35 y/o I went from 0 to 74k in 6 years passive investing, but I'm already 38 years old. So you're still a winner. Put everything in S&P 500 or VTI until you have 500k and then just let it ride.
I'm mostly all in VTI so this isn't that bad, good day to buy!
😂 I trusted my instincts and sold part of my long term holding of VTI on Tuesday.
That’s VOO, not VTI. VTI tracks CRSP all-US. It roughly correlates with VOO/SPY/SP500, but has different inclusion criteria and is much less concentrated, since it includes all capitalization size brackets, basically all US stocks. They are totally different indexes, though the end result is about the same for investors.
How much actual exposure would you have had? For what it's worth I asked ChatGPT to show me what the potential exposure of VTI to SpaceX per $1M invested: | SpaceX Weight in VTI | Effective SpaceX Exposure | | -------------------: | ------------------------: | | 0.07% | $700 | | 0.09% | $900 | | 0.11% | $1,100 | Much less than I thought
What about VTI? .08% exposure is too much.
Thank you for the feedback - I readjusted my portfolio and currently running 55% VTI, 35% QQM, 10% VXUS
I have some VTI and I think I might just switch to VOO completely.
I guess you'd could call large cap growth picking a winner but there are quite a few of them that have beaten VTI over the past decade by 2-3% annualized. That does not mean I dont believe index funds are a bad choice. For the last time, I advocate looking at returns rather that ER. You can do it however you choose. My way allowed me to retire early and continue to do well after.
Life is short and it’s easy to get lucky picking stocks or sectors. Many people have, many have lost a lot trying. There aren’t any etfs where the expected risk adjusted return is several points over VTI.
What about VTI and other large cap and total market indexes? Will it be added immediately or also on pause?
Been in VOO and VTI for several years now and my returns have eerily matched the return charts down to the 100th of a percent. It's crazy.
My dad died a few years ago so I took money I got from him and split it into VTI and VOO as those were the two funds everyone here said put money in, you can't go wrong so I wanted to see how they both do compared. I am up 76.78% in VOO and 73.91% in VTI so my opinion, go with VOO if debating between the two.
> But the funds you feel will outperform over time will more than offset the ER difference. Will they? Do feelings dominate market fundamentals? Why would a mix of high cost funds like IEDAX/NLCAX beat a simple low cost fund like VOO or VTI?
Having 99%+ in metals/miners is extremely concentrated. Even if you believe strongly in a commodity supercycle, single-sector portfolios can swing 30-50% in a commodity downturn. A more balanced approach would be something like 60-70% in a broad index fund (VTI or VOO) and 30-40% in your conviction plays across metals/miners. It still gives you significant upside to a commodity run but protects you if the thesis doesn't play out for a few years. Think of it as "right size, not no conviction."
Sweet, thank you, glad to know VT and VTI are not changing their inclusion rules!
Early 40s here. $1.1M in 401k between the wife and me. $200k in brokerage in VTI and FXAIX. House will be paid off in 7 years but with 2.5% interest rate. The hardest thing for us to do right now is stay patient. Cannot tell you how often I want to sell the FXAIX position and put it into tech. The wife wants to sell the position and remodel the house. I keep using AI to project retirement strategy and know that if we literally do nothing, we can retire easily at 58 with a large travel budget. That's where we're at, just do nothing. Especially don't do anything stupid, and we've made it. So of course I'm lurking in this fucking sub...
Most index ETFs are market cap float weighted, so your analysis is off. For instance, Nvidia makes up 6.6% of VTI. SpaceX, by virtue of its IPO valuation above $1T will instantly be between 0.1% and 1%. Still small (because of the small float) but larger than 0.001% you’re saying it will be.
VT and VTI are total market funds. Your disappointment is with the market highly valuing these companies, not with the funds.
Theres’s non-news. What does VOO hold? What does VTI hold? Both will continue to work the same way as they always have.
VTI is advertised to include all US stocks, or nearly so. It will work as expected, inclusion in an amount proportional to floating market cap. So, a few tenths of a percent weighting in VTI.
Why shouldn’t it be happening? VTI’s entire point is to indiscriminately hold every US stock in amounts proportional to their floating market cap. That’s how VTI is advertised, so hopefully you knew that when you bought it.
Yeah, that’s kind of their goal, and it’s how the fund is marketed. Same with VT. Only a meathead would be surprised that their VTI position will include like 0.1% Space X, or whatsver it ends up being.
Who's moving their VTI allocations to VOO? There's no way to do it without incurring taxes in a taxable account, right?
I wonder how much difference this makes in the amount of shares that indexes (and closet index funds) were going to have to buy. It must be pretty significant. Too bad VTI has that 5 day inclusion though.
VOO will follow what the S&P said and not fast track. VTI does not follow the S&P benchmark, it follows a CRSP benchmark (Morningstar).
VTI is pretty much all US stocks though so it wouldn't be surprising to see it included.
VTSAX is the same thing as VTI, just a different share class. It's total market so it will be including it, as a total market fund should. It weights by free float so that's only $75b, it won't be a large chunk of the index.
I am actually just switching future purchases away from QQQ and VTI Sp500 (VOO and IVV and DFUS) they are all supposed to not buy SpaceX until approx 12 months after ipo. We will see - news media and social media have both gone back and forth on if sp500 will or won't buy it before the 12 month rule - but that still keeps going back and forth as of today.
Does that mean VTSAX (the Admiral Shares mutual fund equivalent of VTI) will get it too?
nah, VTI is a US bet, VT is a world-diversified portfolio, pure market return capture without any specific bets
Depends what they track, VTI tracks CRSP which will have SpaceX after 5 days, VOO tracks S&P which won't have it immediately.
Correction: *Some* Vanguard funds. #1 ETF VOO is S&P 500 and some others are Russell. But VT, VTI, and VUG are absolutely CRSP. VTV is too, but there's no way SpaceX is a "value" company. VXF isn't CRSP, but almost by definition includes stocks excluded by S&P 500; for years, Tesla was its largest component. The idea because using CRSP was to wiggle out of the fees S&P wanted Vanguard (and thus shareholders) to pay. But this is a side effect of that.
VTI tracks the CRSP US Total Market Index, not any Russell index. Space X will still probably be included in the CRSP after 5 days though
But they at least are doing it by float. That actually means the impact on VTI will be fairly small despite the high validation because companies like SpaceX are only going public with 5% of their total shares.
VTI has always been 5 days, though. Its goal is to hold the entire market, so it would be wrong of them to make special rules to exclude space x and friends, just like other indexes shouldn't create special rules to include them.
Is there any news about VOO/VTI?
It’s scaled to the available float so ScamX will be about 0.3% of VTI.
VTI is whole US market ETF, SpaceX is in US market. So it should be included as intended
Good luck!! I’m up 21% ytd and no sectors interest me right now so I’ll concede the equity risk premium to bonds and a small amount of VTI until an 8-10% retracement of the broad market. I won’t chase anything. Abundance mindset.
I moved out of VOO (s&p500) over to VTI (us total index) but maybe it’s time to consider VT (world total index)…
SpaceX wouldn't hit VTI as hard as you think regardless of whether it's worth $1.75T. Both indexes are float-adjusted, not full market cap. SpaceX is overwhelmingly insider held (Musk plus early VC not to mention the dozen plus share classes), so only the publicly tradeable float gets weighted, not the headline number (CRSP p. 12). It also needs at least 12.5% float just to be added (CRSP p. 10-11). So a $1.75T company with a small float is a much smaller index weight than $1.75T implies. And nothing gets added at full size on day one anyway. CRSP has a seasoning rule (\~20 trading days before ranking) and an IPO lockup rule where locked shares stay out of the float until the lockup expires, using conservative registration statement estimates for the first 180 days (CRSP p. 10-13). The initial weight is built off that and not the full cap. Like I said, VTI tracks CRSP Total Market which has no cap on constituents and just adds names by float cap, spreading the impact across the whole market (CRSP p. 14). VOO and SPY track the S&P 500, a fixed 500 count, committee picked index with extra screens like positive GAAP earnings (S&P p. 8, 12) so a new entrant there actually displaces someone unlike VTI A partial float of even a $1.75T company lands as a single digit percent name at most, not the drastic shift you're picturing for VTI. [https://www.crsp.org/wp-content/uploads/guides/CRSP\_Market\_Indexes\_Methodology\_Guide.pdf](https://www.crsp.org/wp-content/uploads/guides/CRSP_Market_Indexes_Methodology_Guide.pdf) [https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf](https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf)
VTI is whole market ETF and SpaceX is supposed to be on it. I don't know why people complain about it.
Fuuuuck… how do I move my VTI into VOO :/
They use different benchmarks. VTI follows the CRSP US Total Market Index. VTI has a different methodology, the weight % wouldn’t have been as drastic anyways.
Does VOO not have SpaceX in its portfolio? I thought the big funds like VT, VTI, and VOO all had the Mags in them?
How does this work for VTI?
Negative. Do some research pal. For example VTI, which tracks the CRSP US Total Market Index has long had a fast-track IPO inclusion of 5 days
looks like I am no longer investing into VTI and will DCA into VOO instead.
VTI and VT are always 5 days though. They aim to index the whole market, they're working as intended.
Put the rest in VTI and go touch some grass I guess
So is it only QQQ that will have to take SpaceX? What about VT and VTI?
CRSP: Relaxed float requirements while keeping existing 5-day timeline Russell: Changed the entire timeline from quarterly to 5 days + relaxed float requirements This means VTI will buy SpaceX within ~5 trading days of its IPO if it meets the relaxed investability screens. https://www.schwab.com/learn/story/some-indexes-accelerate-entry-massive-ipos
so that settles the debate between VOO or VTI over at /r bogleheads then
So us VTI investors (and the QQQers) will get in early, and the price will spike when VOO has to buy later? Great.
Retirement accounts commonly use target date funds which typically invest in total stock market ETFs like VTI or equivalent. So yes, you’re exposed to all companies, good and bad. But any individual company, even SpaceX, is an immaterial part of these total stock market ETFs.
VTI has always been 5 days . No changes there
Great to hear they aren't changing S&P 500. It looks like they are allowing an exception for their total market indices, which may affect ITOT (Blackrock's VTI equivalent). But it's all staying float adjusted so I am not bothered at all and certainly wouldn't take a tax hit to avoid it.
I tax loss harvested a large holding of VTI into SPTM (which is S&P1500, not total market) in 2022 and wondered whether I would end up regretting or appreciating it one day. Guess I now have my answer.
Deeply disappointed VT and VTI will be 5 days. I know it’s Russell that decides.
If you hold QQQ, VTI, or VT, then yes, it is likely to be included a week or two after IPO. You are correct about that. But, again, it will be a tiny amount, and most 401k accounts can avoid it altogether if the person chooses to. It isn’t forced. I’m not for this any more than you are.
S&P hasn’t locked in reducing the seasoning period from 1yr to 6 months yet. QQQ and VTI will get it immediately.
It will be in other products than just QQQ. VT and VTI at a minimum, likely SPY not long after IPO
VTI 50%, VXUS 45%, and BND 5%, then delete the app and never think about this wretched market for at least the next two decades
You're correct that VTI's 5 day inclusion schedule has never been an issue. The issue is that the CRSP index, which VTI tracks, is changing its rules for the benefit of SpaceX etc. Normally, CRSP would have a longer inclusion period of 1 year I believe, which would give an IPO plenty of time to crash from its inflated price. By the time an index fund like VTI would buy it, the price is no longer inflated.
These rules have been in place since 2013 for VTI and probably longer for CRSP. It’s not been changed for SpaceX.
I drive by a data center construction site everyday that looks like a scene out of the Matrix before Keanu Reeves was rescued from his energy pod so I do get the peoples hate for having data centers in their backyard. But I fear that will just mean more data centers are built overseas in 3rd world countries who want to take the hyperscalers AI Cap ex money. This is yet another reason to buy $VXUS over $VTI. Buy the stocks taking the AI cap ex cash not the stocks spending the AI cap ex cash.
u sound like a boomer acting like VTI is some 3x leveraged ETF.
VTI and chill. I'm excited to own part of spacex. I already have significant portion in TSLA.
I invest in VTI - which has always had a policy of incorporating new companies within 5 days of an IPO. I’ve seen no one ever complain about that. The concern about the s&p 500 index seems to stem from people’s personal opinions on SpaceX/Anthropic/OpenAI, instead of true principles - again because there’s been no one concerned about how total stock market indexes like VTI have always handled companies going public.
Your 97% loss could’ve been my retirement money invested in VTI for 30 years
So VTI and VXUS are for losers apparently since you get dividends from holding them
Yeah, people keep forgetting that ETFs like VOO and VTI are float weighted. SpaceX will have ~75B in float (assuming the current price holds) so it'll make up a tiny % of the ETF - somewhere ~.1%. For comparison that's about as much cash as VOO typically has on hand or what % DoorDash makes up.
> On the one hand, even if they are atrocious it probably can't by itself tank an index. Given that the S&P 500 and funds like VTI are float weighted, SpaceX could go to zero after it's included and it would barely be a blip. The bigger concern for the indexes is that TSLA somehow catches strays from all the SpaceX hate - that would move the index.
It is an overreaction for a lotta folks. If you’re heavily invested in NASDAQ or FTSE, etc, then yeah, big hurts. But if you’re in VTI, VT, SPY, etc, you’ll be fine. It’s such a small float. Making only 3-5% available. For every $100k you have in SPY, only $80-$120 will be in SpaceX. People just need to sit and do the math. And then adjust their investments.
Just DCA that $4.27 into something safe like VTI. You'll be whole again in a few thousand years or so.
And this is what VTI holds.
Historic pump and dump just in time for july 4th 250th anniversary. By june 29th there will be buying pressure from trillions of market cap of index funds, including VT, VTI and QQQ
Not a financial expert in anyway. But, it depends on your preferred markets? I’m diversified but not wildly: - Tech: MSFT, AAPL, AMZ, AMD, MU and RDDT as a more wild yet optimistic pick. - Healthcare: MDLN - Necessity: VTI/VOO (DCA whenever you can)
In theory, sure. In reality? GME isn’t a great growth option. They’ve been on a turnaround path for a while now, with several profitable quarters, but let’s take a look at the stock performance: 1 month: -12.5% 3 months: -7% 1 year: -28% 5 years: -62% I understand the squeeze is impacting the 5 year view, so that’s a bit screwy, but you could’ve invested your money in so many other companies, or hell, keep it safe with VOO or VTI, and you’d have made SO much more money. GameStop is a good company with strong fundamentals, but not a great option if you’re looking for the best path to growth in the stock market.
Isn't VTI float adjusted too? [https://www.reddit.com/r/Bogleheads/comments/1tj8bsj/psa\_mega\_ipos\_are\_nothing\_to\_worry\_about\_as\_an/](https://www.reddit.com/r/Bogleheads/comments/1tj8bsj/psa_mega_ipos_are_nothing_to_worry_about_as_an/)
Worth remembering that index composition changes like this are usually neutral to slightly positive for long-term holders. The S&P has changed its methodology many times over the decades, and the index has still compounded at ~10% annually. If SpaceX at a $780B valuation is 1-2% of the S&P and doesn't meet traditional profitability criteria, it adds volatility but probably doesn't change the expected return much. The market will price it efficiently over time as more financial data becomes available post-IPO. If you really want to avoid it, switching to a total US market fund (VTI) or international-heavy portfolio would dilute the impact. But trying to outguess index methodology changes is usually a losing game.