VTI
Vanguard Total Stock Market Index Fund ETF Shares
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23 F advice on my long term portfolio: VTI/QQQM/Costco
Is it ok to never have bonds if you start investing early?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
What to do with $300,000 just sitting in my checking account?
Thoughts on 31yo investment portfolio - big pay raise next year and questions
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
I'm creating a portfolio for my brother, any thoughts?
Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
3rd year of maxing out my roth ira. How do my allocations look
Limited International Fund Options in Employer’s 401K Plan?
Choosing spouses growth stocks for taxable account
Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Thinking about a higher growth portfolio for the new year.
30 year old. What's got the greatest possible potential for returns? TQQQ?
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"
With IRAs about to reset for 2014 what are you all planning to buy?
Portfollio allocation after move from edward jones
Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?
Investing brokerage accounts for my kids and nieces - best course of action?
Investing advice for moving around 100k into ETFs
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
Mentions
Chill. If you have money, keep buying VTI. It’ll go back up again. If it never goes up then money won’t matter anyway.
23 YO aimless investor. Looking for advice/feedback to improving it. 7/25/2024 - VTI (76.9%) - AMZN (7.2%) - GOOGL (7.0%) - MSFT (6.6%) - AAPL (2.3%)
Tasty pickups on VOO, VTI, and VUG rn. I love it!
Both VOO and VTI provide performance that represents the entire market. Any difference is negligible. The S&P 500 index that VOO uses was literally created to represent the performance of the entire market. The 500-stock ETF performing the same as the 3600-stock ETF demonstrates how little benefit increased diversity actually provides when stocks number in the hundreds. In fact, for expert investors, 30 to 50 stocks is all they need for max diversity.
VTI can crash just as well as other indexes. Its risk is lower though. But it can still crash. You can buy US treasury bonds and not give a shit.
My weekly VTI buy was right around 1pm Eastern today.
Just buy VTI and stop giving a shit.
Yep. Bought some amd at $160 and you can see how that’s going. I’m fine with that though. My roth on the other hand which is all VTI and some vxus has remained green.
Past couple weeks have shown that the whole lump sum is better than DCA theory is TRUE. Outside of super broad index funds like VTI or VOO, lump sum is just a GOOD idea. If you lump summed into mega cap tech stocks or QQQ two weeks ago for example you’re already UP so much that you’d need a 10, 15, or even 20% DOWNSIDE move just to break even. With DCA you’d HAVE to buy more at these new HIGH prices which would INCREASE your average cost basis and make the gains LESS. Look at that. I changed a few words as if you posted this exact message 3 weeks ago and its 100% the opposite.
Buy VTI every paycheck and don’t stop for 25yrs
Past couple weeks have shown that the whole lump sum is better than DCA theory is false. Outside of super broad index funds like VTI or VOO, lump sum is just a bad idea. If you lump summed into mega cap tech stocks or QQQ two weeks ago for example you’re already down so much that you’d need a 10, 15, or even 20% upside move just to break even. With DCA you’d be able to buy more at these new lower prices which would lower your average cost basis and make the gain needed to break even less. I personally prefer an RSI-weighted DCA method where you invest more in things with a lower RSI and less in high RSI.
You would have been better off just throwing everything into SPY, VOO, or VTI and not having a second thought. You aren't good at trading options. Make an adjustment.
Why does it seem like people recommend VOO so much more than VTI? Wouldn't you want the additional diversification of VTI?
VOO, VTI, and the like are generally considered safe ETFs to invest in. Do you do disagree?
VTI and VOO and QQQ (like always)
VTI is (essentially) every US stock. If you want more diversity than that you should look at international funds. And why do you hold both SPY and VOO?
I'm not freaking out, but I've lost 3k in 3 days. in the history of my investing, that's a lot. I can understand why people would freak out. If I weren't familiar with the way the chart moves over time, I would probably freak out as well. Of course I'm always concerned I will experience 2021-2022 all over again. When the ETF I hold (VTI) went from 245 -> 185ish and then finally recovered a few months ago.
looks like a lot of nonsense. I would just do 50% VTI and 50% VGT, or something along those line, assuming you are somewhat young
How old are you? If you're not touching this in ~20+ years, the current market environment shouldn't be a problem. Assuming you're invested in something like VTI or VOO of course.
Investing in funds with growth potential can help you achieve higher returns compared to keeping all your money in a money market account. Given your high risk tolerance and the fact that you won't need all of the $80K for immediate expenses, investing some of makes sense. Some stuff to consider: 1. **Cash Reserve**: Ensure you have enough cash to cover at least 6-12 months of expenses, which would be around $18K-$36K, depending on your comfort level. This will ensure you have liquidity for any unexpected expenses. 2. **Invest**: With the remaining $50K-$60K, consider investing in a mix of funds. Given your high risk tolerance and the short 2-3 year timeline, you could look into growth-oriented ETFs or mutual funds. However, it's important to balance this with some lower-risk options to manage potential market volatility. 3. **Diversify**: Consider a diversified portfolio that includes a mix of equities and bonds. For example, you could explore funds with strong historical performance like VTI (Vanguard Total Stock Market ETF) or VOO (Vanguard S&P 500 ETF), which are known for their broad market exposure. You can find detailed data on these and other funds at [upsideinvest.io/explore?type=fund](https://www.upsideinvest.io/explore?type=fund). 4. **Rebalance**: Regularly review your investment portfolio to ensure it aligns with your risk tolerance and financial goals, especially as you approach the end of the 2-3 year timeline.
If I were you, I'd find all those IRAs and rollover into one account. I'd also make sure you're able to contribute to a Roth IRA based on your salary receieved (I'm guessing you've earned enough to max it out) I'd also sell the company stock that you're talking about and put that right into VTI, VOO or anything but the company that is laying off employees. I'd already have my resume and linked in updated and be finding a job. You said that your job market is volatile, excuse. You said that your wife makes enough, excuse. You said you'd be willing to withdraw from retirement, excuse. Get your butt moving and get that next job. You and your family don't need to see hardship in the future based on excuses. Now that's just me.
Google, Amazon, aapl, VTI, and doubled down on NVDA for 1000 more shares at $115 today
I’d recommend “the simple path to wealth “ JL Collins and “I will teach you to be Rich” Ramit Sethi over that book Basically open a Roth IRA start investing in VTI every month. Categorize your spending and automate your savings and investing.
This is nothing. Wait until the $VTI crowd loses 1% in a month - they are going to go ape shit.
Depends on how much time you want to put it in to stock picking. If you want to set and forget, just buy VOO or VTI and you will do better than 90% of retail investors.
Depending on your age, you shouldn’t focus on dividends. Growth is more important when you’re younger. S&P ETF is already quite diversified. If you don’t know how to evaluate a company, then stick it all in VOO or VTI, while you learn.
I passed on $VTI and bought $GWW instead. I destroyed $VTI by focusing on one stock.
SPY and VOO are the same holdings. MSFT and NVDA are included in the above. Most likely extreme overlap with the other ETFS. [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) If you only want USA just buy VTI. Some world exposure VT. Personally I'm mostly in VT with a play in 1 equity named PHAT. Once PHAT hits my magic number all of it goes back into VT.
You're way off on this comment. Nearly 95% of anyone who bought $VTI or $VOO over the last 5 years has a 30 year time horizon. Nobody is worried at all because stocks always come back over the long run. In fact, with $VOO you can never lose money because stocks always correct in a vertical line straight up.
"VTI and chill" crowd is breathing into a paper bag right now because their ETF is flat for the month. You know - because they are long term investors and ignore market chop.
Small VTI DCA buys, nothing else makes sense to me anymore. Would like to see a nice market correction of 10-15% before the fed cuts interest rates.
You have VOO, so when you say "small caps," I'm hearing "everything not in VOO." That's VXF. 0.05% expense ratio, just a notch over ISCB and under IJR, but without any (mainly mid-cap) companies missing. Or, if you want to remain disproportionately in VOO, you could just get VTI to include a little VXF-equivalent at a lower expense ratio. If you want to start playing the value versus growth game or pay a premium for non-index funds (like AVUV), that's a different story.
Buying Voo or VTI. Bought a $1000 worth today. Have 50k to drop.
Yeah, I put my whole IRA into TQQQ like April last year, then switched back to VTI/VXUS in February this year. Not perfect entry/exit, but nobody can play things perfectly, and I didn't want to be caught out by the AI bubble bursting.
Buy index funds. Like VTI, VXUS
Amazon is already my largest position (other than VTI)
I just stay buying VTI, VGT and BRK.B.
The last time I bought VTI was a week ago. The previous time I had bought VTI was in October 2021. You’re welcome everyone.
uh lol. Still up 14% YTD VTI. But I bought 1 more and it goes down more. no biggie
Lol. Bought 1 share VTI. goes down asap haha. No big deal. If we hit a correction is when Ill actually drop a few thousand from savings. Todays share hit my normal yearly total.
question for you all... i'm fortunate enough to have 3 retirement accounts (TSP, HSA, backdoor roth). do you guys stick all of those into the SP if you're young (30)? my HSA and TSP are straight SP500 and I don't plan on changing that as i'm still really young (30) but i just started the roth and have like 1.3k in cash in there, and dont really know if I am supposed to just stick it into the SP again or VUG/VTI, etc? part of me wants to go ultra aggressive with it and just straight QQQ it for 30 years. it is last in line to get funded right now, i just throw any extra money i have at it quarterly, but will always try to get at or close to annual contribution limits.
Yeah, I'm gonna go ahead and cash out anything green, buy up the dip on some VOO and VTI at this point along with some bonds and ride it out. Maybe a couple SPY 7/26 548c in case GDP comes in above estimates.
Brought into my top holding: VOO, APPL, GOOGL, MSFT, QQQ, VTI, and NVDA.
Make sure you have enough allocated for an emergency fund. Beyond that... -60% VTI -20% VXUS -10% BTC -10% Gold/Silver This is true diversification. The majority will be tried and true domestic stocks, but you'll also have international exposure in the event the US gets faceplanted by its accelerating rivals. You also have BTC and gold to hedge against the rapidly weakening dollar, and the global push to detach from it. Just in case we have a Weimar situation soon, which sadly seems like a realistic scenario.
VOO has 507 holdings. VTI is arguably more diverse with 3,678 different stock held. Effectively, they're both tracking the market, VOO with the S&P 500 and VTI with the Total Market. There's a lot of overlap on these two. Based on your apparent strategy, just keep buying VOO. Yes, you can buy fractional shares. If you have $200 to invest each month, buy however many shares $200 will get you. You can buy 1.27 shares. Buying at different prices is normal; prices fluctuate.
VTI's low expense ratio is great, and while FZROX's zero expense ratio is more cost efficient if you are already on Fidelity, VTI's expense ratio is so low (0.03%) that it is not material. For dividends, VTI pays quarterly, which might be steadier, vs FZROX dividend which pays annually. Both are solid for Roth IRAs. You can check out more popular funds among other investors at [upsideinvest.io/explore?type=fund](https://www.upsideinvest.io/explore?type=fund)
That's fair. I also had the foresight to see the stock not break past $400 for a couple weeks, it was hovering around $390. I had stock in my personal brokerage and from RSU that had a buying price of around $100-150, I made a decision to sell after realizing I'm probably not making much more money on this stock, the odds of it skyrocketing to $500 was pretty damn slim. I put it into VTI and that's yielded pretty solid money thus far, so I would definitely say luck was involved as it relates to the outage, but in terms of an investing strategy I think I just had the right thinking
With VTI you can do options, you can buy/sell immediately to act on news, and you can use limit orders to obtain shares at a discount compared to the opening or closing price. It's up to you to decide if all those benefits are worth paying the expense ratio. If you are a diamond-hands buy-and-holder then you probably don't care about the benefits of ETFs, because you never act on news or use options.
All good funds but with a lot of overlap. I would seek a more diversified portfolio. More like VTI for US coverage, IEFA for some international and AGG for bonds. 50/25/25. Another good choice these days is a target date fund. They can be very low cost and are as set it and forget it as it gets.
If you’re keen on consumer staples/discretionary, I’d go with ETFs like VCR, XLP, IYK and such. Yet, VTI would be a wiser choice.
Google is my largest position by quite a bit. It’s about 16 percent of my portfolio. My portfolio is balanced with some boring ETFs like VTI and voov, but I have huge exposure in tech/semiconductors. TSM is my next biggest holding, and I got in on nvidia a few years ago (wish I grabbed more).
I have a VERY exciting move tomorrow. Gunna sell my VTI in my Roth and swap it for FZROX. This isn’t sub for this. Just wanted to tell everyone I can.
If my stocks have annualized returns higher than say $VOO or $VTI ( they do ), selling off some and putting into an index would be losing money.
I understand. And these two are the only positions that have a large amount of overlap. I have several other holdings included in my IRA to keep me decently diversified. I like to hold both because if a specific stock (NVDA recently) really goes on a run, I have a slightly more concentrated position in it through the 500 fund vs the total market fund, without missing out on the small and mid cap runs in my VTI/FZROX. Thank you though!!
Why not VTI? More than 80% - 90% is still in the S&P500, the rest is the small and mid cap companies.
FZROX and VTI both already fully include VOO. Holding VOO with either of the other two actually reduces your diversification (and actually tilts away from the best long term performing market cap segment).
If I had 1.5k euros I wouldn’t buy either I’d buy the S&P for VTI Sectors with outstanding results one year tend to have the worst results the next year.
I’m not a big fan of Fidelity using their own proprietary index to do these funds. What’s stopping them from changing it or charging fees in the future? Regarding the dividends, it looks like VTI is a tiny bit higher. I like that VTI pays quarterly vs FZROX paying yearly. To me, I’d rather have that money DRIP back in to buy more shares rather than Fidelity holding it all year.
I'd sell half of NVDA and put it into VTI.
FZROX has a lower expense ratio but you're paying for it with a lower dividend yield of 1.20% vs VTI 1.34%. They both have virtual identical returns and if you're satisfied with Fidelity it's okay to stay with them.
I wasn’t sure if that was the case. I was about to try to break it down. I use Fidelity and plan too for a long time. But hold VOO and VTI. I might keep VOO to generate income/hedge my position. But I now am going to consider selling VTI and getting FZROX. Fidelity’s index fund has had marginally higher gains since inception even though it’s not as old. But that could always change too, I know.
Not nearly as much as simple ETFs such as VOO and VTI, not to mention MGK, VUG, and VGT, and far less so than major companies in those holdings. But then also consider the performance of Wingstop vs. LMT. I also recommend you check the performance of the defense sector at large (ITA) versus the SP500 at large (VOO) to see the difference in returns. There are many other better picks out there, in my opinion.
Do it. Max out your Roth IRA in either VT VTI or VOO. Forget about it for a while. You’ll watch the magic happen. Always reinvest dividends.
Generative AI is making its way to many industries. I have already seen legal tech with it. Thomson Reuters (TRI) bought co counsel from case text for nearly a billion dollars. I can see AI becoming a multi-trillion dollar industry within next several years encompassing everything from client-side to in-house. If you want to be more conservative and have your exposure limited to broad scale market ETFs like VTI, that’s fine.
If you have no financial experience then what makes you think your analysis of the S&P is valid? Just buy VTI, if you have no experience there is pretty much zero chance that you’re going to outmaneuver the indexes that seasoned pros can’t beat consistently.
FXAIX is S&P500 index fund. Rough math says around 60% of your portfolio is FXAIX already as 80% or so of VTI is S&P 500.
VTI and VXUS contain (essentially) every stock
Comparing the expense ratio of SPY vs VTI or SCHX is just splitting hairs. If you spend an hour thinking about this then you’ll already be losing out on the opportunity cost of just spending another hour at work.
SCHX is not exactly the same but the differences will be minimal , its follows the Dow Jones Large Cap index and holds roughly 750 companies so it holds 250 extra companies so you get some "Mid cap" exposure however since its market cap weighted its going to perform very similar to SPY . Now for buy and hold SPY does have a slightly higher expense ratio and there are cheaper S&P500 index funds like SPLG or VOO or IVV , unless you are trading options there really is no reason to hold SPY for long term, although the extra expense is rather minimal (like 0.06%) However total market funds like VTI or SCHB are good choices and will give you some exposure to mid/small cap stocks . So I would ask him why he chose SPY thats what you are paying him for.
Keep it simple, all in one fund like VT or VTI is the way.
Have 6 months of "emergency fund" savings set aside. The rest put into a total market ETF like VTI or one of your choosing. Set it and forget it investing will pay off, even in small increments, over time. Compounding is the secret. As others have said, take advantage of every opportunity to better yourself through training, college, etc. The military provides many ways to do so free or affordably.
To what end? How soon will you need it? I'd recommend opening a Fidelity account, deposit it there. The cash sweep there (look that up, you'll need to learn a lot of these terms) earns a good interest rate. Then periodically put $1-$2k (look up DCA) of it into a cheap index fund. I recommend VTI. Once you have income (or now if you have any), open and fund a Roth IRA. Eventually, aim to max that out (the IRS max will go up every few years) every year.
If you start in your 20s boring is great If a guy starting in his 40s asks a similar question I might give him advice to take more risk cause he has to make up for lost time. You have time on your side.... I like your portfolio. I don't really own any ex-US but you do you. My portfolios are almost all 25-25-25 (VOO VTI and QQQ) and the last 25 is some variation of other stuff (or more VTI QQQ and VOO). But very minimal international exposure. People often say there's too much overlap and not enough diversification. Messy hair. Don't care. It's working for me and making great gains I'm happy. And I won't sell anything until I'm over 63.
If you start in your 20s boring is great If a guy starting in his 40s asks a similar question I might give him advice to take more risk cause he has to make up for lost time. You have time on your side.... I like your portfolio. I don't really own any ex-US but you do you. My portfolios are almost all 25-25-25 (VOO VTI and QQQ) and the last 25 is some variation of other stuff (or more VTI QQQ and VOO). But very minimal international exposure. People often say there's too much overlap and not enough diversification. Messy hair. Don't care. It's working for me and making great gains I'm happy. And I won't sell anything until I'm over 63.
This is what you do. As your rank goes up, so will that 15% that goes to your ROTH IRA. You want to get that ROTH IRA to $400 a month or more, and continue paying into it for 30 years. You also want to make sure that money going into your ROTH IRA is being invested in VTI, VOO, or SCHD. If you did nothing else, this one act could make you a millionaire in 30 years. Mistakes to avoid…DO NOT withdraw any money from this ROTH IRA until it is at least 30 years old or until you hit retire age. Just don’t. No matter what the circumstance is, don’t do it. Find another way if you need to navigate through a difficult time in your life. This is not the way. Do not touch this money at all, for at least 30 years. Good luck with your life choices.
This is a long answer. The short version is invest in CD’s, HYSA, and for stocks,,,,VTI, VOO, SCHD, QQQ. Everything else, IMHO will be more risky. Even “research” can lead you down a dark path. You do you though.
My portfolio is VTI and VOO. But to be honest, I’ve been scared a bit about the whole dedollarization movement and how that might impact VOO negatively. VTI has more of the world market and may provide a softer landing if BRICS becomes a threat in the future.
I was specifically recommending 80% of your portfolio be in VTI, Total US Stock Market, and 20% in VXUS, International Stock Markets.
Tbh following trends is not really all that helpful for a beginner because you won't know what the trends mean. I guess you have to start somewhere, but the important thing is just to make sure you are always investing into safe places every month, like VOO, VTI, QQQ, or all 3. If you want to also invest into single stocks, then you should do in-depth research into how those companies are doing financially, not necessarily just staring at trend graphs. I personally like MSFT a lot, but diversity is important, so I have a small amount of a lot of different stocks. That being said, a majority of my investments still remain in the 3 ETFs I mentioned above
One of the mistakes new investors make is listening to long term investors ( in say $VTI or $VOO ) and assuming that their own individual psychological bias to loss is the same as someone who has been in the markets for 20yrs. To put it another way, there is risk tolerance and then there is "risk doesn't matter because I'm holding for 40+ years" Its like showing a chart of the SPY to a new investor over 30 years and everyone says "oh thats what I want! Easy" And yes, it is easy for some. Mid career maybe your portfolio is at $500K and then Covid hits. You don't even blink that you are down $200K. You might not even care enough to look at your portfolio. Nearing late career with $2M and then the markets hic-cup, so you are down on paper $400K - no big deal right? Its not your first rodeo. And this is the mistake; long term investors assume that everyone is wired like them and falsly put the expectation that buying more and more in a downward market is not only normal, its easy. But its not easy for everyone nor is it fair to assume it should be Not in the least. Its also wrong to assume that everyone can do this despite all the data and knowing that it is in the end the right way to assure a 7% annualized gain over the long run.
Was there a reason you went all in at once? These are long term holdings (we own VTI and VOO). Patience. You'll get paid dividends while you wait.
VOO, VTI or VT. Automated and forget about it. Revisit in 10y.
Sorry...one other thing. In a taxable account there could be some foreign tax credit implications that make you want to hold a mix of VTI and VXUS instead of VT. I don't worry much as I basically invest and leave it alone ...but might be worth some additional research depending on your plan.
That advice sounds good for a basic strategy. VOO would get you the S&P 500 while VT would add some international exposure. I personally prefer VT due to the diversity. I do hold VTI/VXUS in my taxable account. You can research foreign tax credits to see if this is a better option for you.
>I think we have a rough decade coming up What makes you say that (also not a challenge, just curious about your thoughts). I currently just VTI and chill so I don't get into the nitty gritty over where things might go.
If you already have that Fidelity acct set up for your stock grants I'd personally use a taxable brokerage acct there. That way if you sell your company stock you can still manage everything together. That's how I do mine...and fidelity is a great platform. Assuming you're not looking to access those funds for a big purchase in the short term I'd invest it in an ETF. The easiest would be to just invest in VT. Even though it's 1 ETF it tracks the world market so you are extremely diversified. I personally have a combo of VTI/VXUS/QQQM from when I started that I don't sell because of taxes...but new fund I just put in VT.
VT - entire stock market (60/40 split of US/international). This is the basis for the equity portion of target date retirement funds. VTI/VXUS - if you want to do something different than 60/40 split. Many opt for less international portion because it has been underperforming the past decade+. It is unknown when it will start outperforming again but it is cyclical. Fidelity is one of the best brokerages. There is no need to switch.
You should stick to broad index ETFs for now. Once you have had time to learn more about investing, you can decide if you want to try other approaches. 80% VTI 20%. VXUS
If a T-bil ATF such as SGOV is considered a company or stock, I think the t-bills will benefit from increased yields as inflation or stagflation continues. If immigration into the US is stopped or revered, we may have stagflation, where the economy slows yet the Fed can't do stimulus because of the inflation. Probably everything will slow as people are afraid to spend money. Unemployment may still increase because the slowdown may cause a surge in layoffs and unemployment. If immigration into the US is helped or encouraged, we may have inflation as the economy continues to boom from plenty of cheap labor on US soil. People may complain about prices yet still spend their money. Most us companies in consumer staples, retail, utilities, and cable/telephone service will probably benefit from the growth of domestic services. Amazon maybe the big tech growth, but they will be completing with others. In any case, T-bills would have better yield, but still keep some money in stocks such as VOO or VTI to avoid missing out on the growth if we allow immigration to grow the number of workers on US soil.