VTI
Vanguard Total Stock Market Index Fund ETF Shares
Mentions (24Hr)
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Reddit Posts
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?
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.
Mentions
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.
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.
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.
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.
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
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.
Less than 1% of VTI sis going into SpaceX.
I'm glad I have no idea what the fuck OP is talking about, VTI and chill I'm just here for entertainment
My buddy pays someone to put his money in VTI for him
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.
For those unaware: By floating only a tiny amount of shares (4-5%), SpaceX can establish and maintain an astronomical $1.75+ trillion valuation using only a small amount of actual market money. If they tried to sell 50% of the company today, there wouldn't be enough cash in the market willing to pay that price, and the valuation would crash. The low float creates an illusion of infinite demand. Why it's the ultimate exit liquidity, and quite frankly a masterplan that will screw retail investors: Early private investors and employees who have held SpaceX stock for years want to cash out and become rich. The problem with cashing out billions of dollars is finding someone to buy all those shares. By forcing passive ETFs (like QUU, VTI, etc.) to buy mechanically at a price nobody would buy otherwise, SpaceX has created a guaranteed, price-insensitive buyer. Regular retail investors retirement funds become the exit liquidity that allows insiders to cash out at the absolute top.
For those unaware: By floating only a tiny amount of shares (4-5%), SpaceX can establish and maintain an astronomical $1.75+ trillion valuation using only a small amount of actual market money. If they tried to sell 50% of the company today, there wouldn't be enough cash in the market willing to pay that price, and the valuation would crash. The low float creates an illusion of infinite demand. Why it's the ultimate exit liquidity, and quite frankly a masterplan that will screw retail investors: Early private investors and employees who have held SpaceX stock for years want to cash out and become rich. The problem with cashing out billions of dollars is finding someone to buy all those shares. By forcing passive ETFs (like QUU, VTI, etc.) to buy mechanically at a price nobody would buy otherwise, SpaceX has created a guaranteed, price-insensitive buyer. Regular retail investors retirement funds become the exit liquidity that allows insiders to cash out at the absolute top.
I've got $1,000 worth of credit card cashback from Robinhood Gold card rewards and dividends from my emergency fund in $SGOV, which is currently in VTI. Sold the VTI, gonna play with SPCX. Either I lose a few hundred bucks or I make a few hundred bucks that I never had any intention of touching anyway. Gonna buy at market open for as cheap as I can, if it goes up 10% I'm selling and going back to VTI with my extra $100. Not staying in this until Monday. I do NOT want to be holding a meme stock over 2 non trading days while everyone plots over the weekend.
For those unaware: By floating only a tiny amount of shares (4-5%), SpaceX can establish and maintain an astronomical $1.75+ trillion valuation using only a small amount of actual market money. If they tried to sell 50% of the company today, there wouldn't be enough cash in the market willing to pay that price, and the valuation would crash. The low float creates an illusion of infinite demand. Why it's the ultimate exit liquidity, and quite frankly a masterplan that will screw retail investors: Early private investors and employees who have held SpaceX stock for years want to cash out and become rich. The problem with cashing out billions of dollars is finding someone to buy all those shares. By forcing passive ETFs (like QUU, VTI, etc.) to buy mechanically at a price nobody would buy otherwise, SpaceX has created a guaranteed, price-insensitive buyer. Regular retail investors retirement funds become the exit liquidity that allows insiders to cash out at the absolute top.
It's not even 1%. It will be 0.1% of VTI according to AI. Want to learn the details, ask it yourself. It explains everything well. It's based on the amount of shares they make available to the public... Which isn't much.
First off, starting at 18 and actually sticking with it already puts you ahead of 95% of people. The hardest part is building the habit, and you’ve already done that. On the “where to move” question: Robinhood’s managed accounts are fine for getting started, but as your balance grows, you’ll want more flexibility and lower costs. Look into a proper brokerage like Fidelity, Schwab, or Vanguard. They offer excellent research, no‑fee trading, and much better support for things like tax‑loss harvesting later on. For a simple growth/dividend approach, a low‑cost total‑market ETF (like VTI or SCHB) will give you broad growth with a small but growing dividend stream. If you want to tilt a bit more toward income, you could add a dividend‑focused ETF like SCHD. At 20, your greatest advantage is time—every dollar you don’t pay in fees or lose to a bad gamble is a dollar that will compound for decades. Honestly, the best investment you can make right now is in your own knowledge. Read one good book (like The Simple Path to Wealth or The Little Book of Common Sense Investing) and you’ll know more than most advisors. You don’t have to be a genius to do well—you just need to avoid the big mistakes, keep contributing, and let time do the work. What’s been your main frustration with Robinhood so far? That might help narrow down what kind of platform would suit you better. Happy to answer any other questions.
Literally the only major indice not fastracking it's integration, at least for now. Will be part of QUU, VTI, IWB, NASA and many popular etfs in the coming days tho.
You want a low cost weighted total market index fund. VTI or VTSAX. if you want US equities plus international exposure, use VT. These provide wide diversification and it’s very difficult to beat these index funds with your own basket of individual stocks
VTI is free float weighted. Spacex weight will be about 0.11%, very small.
If you are holding VTI, just keep DCA and benefit from time in the market, it's simple. If your timeline is shorter then you should have some kind of defensive holding like a bond fund, or a value div fund, etc. and you put money in to that. If you have a diversified portfolio there should always be something to put your money in. Trim your positions as needed and rebalance to fit your risk tolerance. Also nothing wrong with having a small cash position if you are looking for an individual name to buy. But if it's just index funds and ETFs, I don't see the reason to not DCA.
Depends on the index you use. The S&P itself, no, not until 1 year or 4 profitable quarters. VTI and VT, yes, it will be included. VOO will not include it.
VTI is indexed to the CRSP US Total Maket Index. CRSP specifically changed their free float rule to enable SpaceX to be given the 5-day fast track status. VOO is indexed to the S&P 500 which did not bend their rules for SpaceX. If you want to completely avoid SpaceX (for now at least), VTI isn't for you. QQQ bent over the most, adding a 3x float multiplier which gives SpaceX 3x the weighting it would have otherwise had due to their low float. CRSP did not add a float multiplier
the setup is solid. fwiw the VOO/VTI overlap in multiple accounts is a common thing to overthink. the allocation is fine. the part I'd revisit is only doing minimum 401k for match -- at your income you're probably in the 22-24% bracket, and every dollar going to Roth instead of a traditional 401k is a dollar taxed now rather than later. depends on your situation but worth running the numbers.
Sold my entire stake in VTI and bought VOO in preparation.
Liquidity outflows are going to make everything cheaper in the short term. If you don’t want to play in the US stock market right now, then ex-US stocks, bonds, real estate, and commodities (gold etc) are what’s left. Or honestly go the Boglehead route with VT/VTI and just say fuck you I’ll own it all and ensure I get a taste of whatever gets pumped.
DFUS is a good replacement to VTI for right now, since VTI will include SpaceX in the first 5 days
All the retail who didn’t get allocation are gonna buy into VTI and QQQ, it will be a massive green dildo bro
Do we really believe there won't be any dips after that AH rise? 🤔 I'm thinking VTI will drop at least a solid 2-3 points to 361-362 by open just to consolidate a little.
It’s all good. There are a lot of tickers out there. I would bucket ITOT in the same category as VTI and VTSAX. The important thing is that if you’re looking at buying a broad market based ETF such as one of those or even the Russell 3000 for example, your portfolio will very very very likely end up at that the same place at the same point in time in the future. Sure, 0.01% - 0.10% total return difference over that time period but your balance will be roughly the same. Pick one. Stick to it. Trust the process. Buy more and invest often. Rinse and repeat. Use all that time you saved and go do something more fun with it lol
Did I mess up by choosing VTI/VXUS over VOO/VXUS? Ive been investing 60/40% VTI/VXUS and 100% VTWAX in my brokerage and Roth IRA over the past 4 years, but have seen that VOO has had higher returns over the past 5 years compared to VTI. As someone that’s young (26), this makes me feel like I missed out on a lot of returns early on. Should I move my Roth IRA to VOO? Should I sell VTI/VXUS in my brokerage and buy VOO?
VTI also calculates based on free float though so it will be an even smaller percentage of that portfolio than NASDAQ since it’s so much more diversified
It will be part of VTI after 5 days because it tracks CRSP U.S. Total Market Index.
Here are a few popular ones (Different entry dates): - VT. Total world ETF. - VTI, SCHB, and ITOT. All total usa stock ETFs. - QQQ and QQQM. - SCHX. Large cap 700 ETF.
Even if you bucket them mentally, your net worth is still exposed to the same mega-cap concentration. If tech drops 40%, both your early bridge and late retirement pools take the hit together. Since the taxable account is for early retirement, it is usually better to optimize it for tax efficiency (holding low-yield equity index funds like VTI) and keep any tilts in the Roth to avoid dividend tax drag. How many years do you need the taxable bridge to last?
This is the way. I’ll normally stay VTI unless I see a sector opportunity then I’ll take an appropriate sized position in that sector. ETFs only for me.
Sure. I use S&p500 as the index example because they still have balls. SPTM is just the S&p version of VTI which is the etf version of VTSAX.
I'm not touching it with a 10' pole. I'm fine holding a boat load of GOOG and NVDA and VTI. Wish y'all the best tho
Honestly you're gonna need to do a lot more research on your own before throwing money at anything. Nobody here can tell you where to put your money without knowing your risk tolerance, goals, timeline, etc. Start with broad index funds like VOO or VTI if you want something simple for long term.
I sold half my position, luckily last week. I still hold a lot of VTI so I will still have plenty of exposure to spacex. VTI weights things differently from what I read so it will not overweight if I understand correctly
Today is now looking like the big day. VTI is up 1.38% and VXUS is up 2.59% as I type this.
If we can get thru Friday w/ $VTI, $SOXX, and $VXUS all holding above last Friday's close then I think the bottom just might be in.
all index funds will hold SPCX, and we'll be at risk if insiders sell off during this overhyped IPO. Considering switching from VTI to VTV. What's your opinion?
First, you said it all in your op. Down is good! 95% of your savings should be boggle head style. VT and chill. VTI or VOO or fine too. Whatever it hardly matters. DCA. Own some real estate Allocation: /10? 80/20? 70/30? Up to you and how far along you are. Then have a 5% account to feed the degen goblin WSB style. I dont regret any of it. Have fun and enjoy the process.
This Voo or VTI. It's simple and historically basically fool proof. Just don't panic and sell if the market has a crash. It will recover.
No, but I am open to the possibility that we retest the 200 DMA just like we did in March. The chart patterns look very similar on $VTI and $VXUS as they did around this same time in March.
just buy VTI/VXUS. dont overthink it.
It’s a decent start, but keep the core simple (mostly VT or VTI/VXUS) and only add small side bets if you can hold them for years.
Another scam created by an easy money environment going into VTI and retirement accounts lmao.
Welp, sold at the top with my monentum funds recently to hold some cash as it all seemed too good to be true. Is now the time to buy into some VTI with that cash and just hope it doesn’t freefall from here? Kicking myself for buying a little yesterday.
You may need some VT/VTI/VOO and chill in your life
VTI and VTSAX will be affected fyi
I would hope (just guessing really) but I would hope peoples retirements are in sp500 Which is not doing that. I had 30% of my money in QQQ - but I sold it when I started learning about SpaceX shenanigans.... Now I'm glad. Buying more sp500 tomorrow (and selling the rest of my VTI.) Don't care about wash sales. 51+% of my money is in IRAs.
VTI As my understanding space X it's not part of the Nasdaq until July.
Yeah $VXUS is affected by the AI trade. But Taiwon semi, Samsung, ASML, and SK make up 7.9% of the market cap of $VXUS compared to $VTI having 30.91% market cap in the Mag 7 AI cap ex hyperscalers. Which fund is really overleveraged AI cap ex???
That's false. Vast majority retirement funds are target retirement date or "large US equity blend" asset allocated setups. It isn't strictly S&P 500 although Nasdaq fast tracked inclusion as well as being part of broad ETFs like VTI. As their float increases, it will grab an even heftier portion. u/drew-gen-x as well.
The trade this week has been to buy the close and then sell the open. 1230 EST today was the first time in the last 3 trading days the indices have had anything but a fade all trading day. Semis or $SOXX has become the new $BTC and is driving the futures market for the entire market. $VXUS is looking like it will close above Friday's close, but $VTI and $GLD will not. It's a mixed bag where neither the bears or bulls can claim victory I'm afraid.
Exactly, prior 12 months google up 104% while VTI up 22%
Now you have to be careful w/ World ex-US indices like $VXUS and $VEU. I did add a bit to my $VXUS position last Thursday and that selloff Friday hurt my port hard. $VXUS or $VEU (I think they are both very similar) will have more volatility than $VTI or even $VT due to Americans having DXY dollar risk. The upside & downside risks are much more volatile. But I figure I am being paid in USD for my salary so I should accept that volatility as I am also hedging my salary.
I mentioned here during the March sell off that I changed from bearish to slightly bullish on stocks due to just that very worry. The Fed and all the other major CB's will just turn on all the money printers to go Brrrrrrrrrr..and try & print their way out of every economic problem. That March sell-off is also when I went to 90% indices/ETF's and down to 10% individual stocks. I do include $GLD as an index position. I mean who needs to trade stocks when $GLD, $VTI, and $VXUS are making 3-4% daily moves???
It's the market concentration of a half dozen stocks or so making up 30-35% of the market cap concentration of $VTI or $SPY that has always concerned me into comparing today to dot. com 2.0. So far I have been wrong and have been hiding out in mostly $VXUS, $GLD, $EWJ, and $VT. But this volatility is just like dot com. We didn't have inflation like today then thou where holding cash or US Treasuries was an option.
I tend to find the best BTD during nasty corrections or plunges to be $VT, $VTI, and $VXUS. I'm usually not as smart as I think I am so why not BTD's in the whole damn market or the whole damn world.
Less than 1% is technically correct. It’s more like 0.1-0.2% in broad market based index funds like VTI/FSKAX. It will be just a noise even if it goes down to $0 after IPO.
So the SPY/VOO the S&P 500 isn’t going to index SpaceX right away. But plenty of other index funds will. Stay away from Musk directly, keep buying index funds, VOO preferably, but don’t avoid VTI. Never buy or short Musk, plenty of idiots have gone broke trying.
Three options, and the right one depends on what you want from the account: 1. Leave it at Fidelity — Simplest option. No tax event. You keep access to Fidelity's low-cost index funds. Only downside is if the former employer changes plan providers down the road, you may get forced out then. 2. Roll into a Rollover IRA at Fidelity — Gives you full control over every investment choice, not just the plan's menu. You can buy any ETF/stock. Fidelity doesn't charge account fees. This is usually the best option if you want maximum flexibility. 3. Roll into the new employer's plan — Only worth it if the new plan has better institutional share classes (lower ERs) or if you want to do a Backdoor Roth IRA someday (a Rollover IRA balance complicates that). Since you're in your late 20s, a Rollover IRA at Fidelity into VTI/VXUS (or a target date fund) gives you the most control with zero extra cost. Just make sure it's a direct rollover (trustee-to-trustee) so there's no withholding.
I wouldn't say always but now definitely doesn't seem like the time to get into Meta when memory and chip stocks give a better yield. However, I would say putting money in VTI/VXUS/VOO is the best if we don't want to keep track of things. I know it goes against this sub though.
I don't know where the idea came from that this is what "timing the market" refers to. If Buffet is invested in 10 companies, A-J, he's in the market. If he thinks that company A is overvalued™, he sells shares of company A, and he's still 90% in the market, because he's not trying to time the market. This gives him the opportunity to buy shares of company K if he thinks it's undervalued™ based on fundamentals. Cycling his portfolio according to his tastes of what it means to be over or undervalued, and according to his tastes of makes a valuation risky or not, so that he can prioritize companies with greater perceived potential relative to their risk and their price, is not "timing the market." That is "balancing a portfolio", which is a basic skill that everyone needs if their strategy is anything other than 1) buy VOO/IVV/VTI, 2) profit.
Learn how markets and investing work, along with personal finance. Read: [https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new\_to\_rbogleheads\_read\_this\_first/](https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new_to_rbogleheads_read_this_first/) Unless you have teams of analysts with Bloomberg terminals you are unlikely to do well by picking individual stocks or sectors. A good way to start (and continue) is buying highly diversified, low management expense index funds. By being market cap weighted the good companies trickle us to the top holdings and less profitable companies trickle down. The index is self adjusting. Examples are VTI (total US market) and VXUS (total ex-US market). Or VT (combined total US and ex-US markets). The important thing is to get started with the money you have available and continue on a regular basis. Time in the market works better than trying to time the market.
Some of the broader market ETF's are usually the way to go. VOO & VTI
I exited a yolo position. I was 100% rycey for 6 years. im trying to figure out when to get back in and what to get back into. VTI, VXUS for majority once I deploy
Just to add to this, sometimes you need a financial advisor when your estate gets more complicated. Like for example when you're older and planning in more details for retirement it can be good to speak to an expert about where you are. Also if you really want to just be passive pick a low cost fund like VOO or VTI to invest in.
Tech is in everything. But with that said look at the sector rating of tech in $VTI, $VT, or $VXUS and determine your risk level. Tech has 33% weighting in $VTI, 27.8% in $VT and 18.1% in $VXUS. I would start there and the determine if you want to be only in US stocks, World plus US, or World minus US. There's always this wild & crazy idea to diversify and go 50% $VTI and 50% $VXUS.
Your best bet is put it all in VTI and chill
Go with VTI to dilute it and stay invested
I think Bogle said that people like to over complicate things. Buy & hold VTI/VXUS and live your life.
Yes, SPMO can be fine instead of VOO. (I just came to SPMO from you!) VTI is inferior than VOO, not attractive over a long period.
If you ask this question to AI and or read the wiki and follow it maybe spend some time watching the right YouTube videos.....financial podcasts etc You can do it your self and avoid a lot of fees that compound over the years. Most basic advice - get broad market low cost index funds like SPYM VOO VTI QQQM VXUS VT If you mix it up with some variation of those (and no others) you will be fine. Make sure you are making a Roth if under the limit - if over the limit max a traditional 401k and keep shoveling money into taxable brokerage accounts. It is not super hard. Just takes literally a few hours of reading for the basics to make sense. Remember that good enough is good enough at 27 yrs old. If you start working out 1% for financial advisor at 27 and do so for 35+ yrs you are going to give away a lot of freaking money. If you really feel a financial advisor is your best bet this early - ask alot of questions and learn "why" and how. Then commit to learn enough to do it yourself after two years
Why SPMO? It's not exactly the same as VO (or IVV). Agreed about VTI, though I do SPTM (even though the correlation is so high they they're basically interchangable).
Many retirement accounts will be affected because CRSP US Total index only wait days for inclusion of IPO stocks, and for instance vanguard retirement funds use VTI (which tracks CRSP US Total) for their underlying US stock exposure. However, this is what you want from an index like VTI, and no rules were changed to make it function like this for SpaceX.
First, congratulations for thinking long term. Few young people do. I didn't. You asked for "a" good long term investment, and mentioned the S&P 500 index. Most people would advise you to invest in low-cost, tax efficient ETFs. ETFs, or exchange traded funds, are a lot like mutual funds - each share represents a proportionate slice of all the stocks the fund has invested in. VOO is Vanguard's S&P 500 ETF, has a low expense ratio, and is very tax efficient. Great for a long term buyand-hold strategy. VTI is Vanguard's total US market ETF, also highly recommended. VT is Vanguard's total world stock ETF. If I were just starting out with a long term outlook, this is where I'd put my money.
I do 70% VTI 20% individual stocks 10% bonds
This is easy. You don’t need one. Max your 401K (pick index funds that track the S&P 500 or the Total US Stock market). Max your HSA (if health plan option available through work). Max your IRA. Accumulate RSU, don’t sell, reinvest dividend (if you think it’s a great company that is growth). Open a brokerage account either in Vanguard or Fidelity. Once you max all the above, invest remaining money every week in VOO or VTI, VUG, and VXUS ETFs if Vanguard or FXAIX, FSPGX, FSPSX if Fidelity (Ratio 50:30:20). That’s it, don’t worry about individual stocks. If you need more input feel free to DM me.
Make sure 401K is in low cost S&P500. Make sure to invest in it - the more the sooner you can - the better. After that - looking into a brokerage account (Robinhood / Schwab / etc) and start putting money in regularly. I recommend based on your risk tolerance looking into VT, VTI, VOO, and SCHG. Do your own research and get started. Everyday you delay is a day you can’t make up. Also - you should talk more to your coworkers about this - even if you don’t take their advice - asking has no downside.
No more than I would be wasting my money on a personal trainer or FA. A financial advisor won’t magically make me more money. A personal trainer doesn’t magically make me fit. If you’re too lazy to do some basic research on a long-term investment strategies like VT, VTI/VXUS (optionally BND), or a TDF ect. and don’t have the discipline to stick to that strategy then sure go blow some money on a money babysitter. But I would only suggest that to someone who completely lacked the ability to think for themselves. Investing is so easy and convenient today, I see no real argument for an FA unless you are an extremely high NW individual. A private chef on the other hand would be nice though haha
Ive been stock heavy - because I love doing it and have been doing it now 19 years. However - I’m now forcing myself to go heavier into ETFs like (VOO / VTI / VT / SCHG / QQQM / VGT). I’ve had some huge winners - which are awesome - but I’ve also had some boneheaded losses - such as PTON, CMG, and XYZ. They all trapped money away until I just gave up and ate the loss. It’s OK to buy and hold stocks - but be careful on exposure. For me - it’s all “extra money” - rather than buy lunch or that item on Amazon - I use that money for stocks. However - all my weekly/monthly automated investments are ETFs. If I can squeeze in stocks - great - sometimes it doesn’t work that way.
I'm getting a financial advisor at around 50-55 just to make sure I'm still good and make any last minute changes like backdoor Roth conversions and tax strategies. I'll find one that does a flat fee instead of managing my assets and taking a percentage. Set aside as much as you can afford into a retirement account (start ASAP and increase each year) and invest in something like VTI + VXUS. It's boring but it is simple and it works.
I do VTI in Roth and VOO in brokerage personally
Your 61 the priority should long term inomce at the lowest taxes. invest the money in QQQI in the US QQQI generates ROC dividends and as a result the dividends will not be taxed until the share cost basis reaches zero. It will take about 7 years for the QQQI cost basis to reach zero. At that point the dividends are taxed as long term vcpatial gains. tax rate. VTI and VUG don't genrate any meaningfulll dividend income. JEPQ and JEPI generate high yield dividend income but they are taxed as ordinary income (the highest tax rate). My understanding canadian taxes are similar toUS. so I am assuming for you it is taxed the same way as in the US.
I don’t see why not. I got 38 positions in my dividend growth portfolio (been beating the SP500 over the last 3 years) (all VTI in my retirement accounts) and I enjoy researching my holdings. I mainly do it during slow periods at work so no time lost there lol
I switched by VTI over to VOO in my IRA, but that's about it. Still going to keep DCA as usual - what else can we really do? It is all a house of cards anyway IMO.
You also own those blue chips when you hold VTI - they make up a chunk of that ETF
VTI and VXUS and chill
Don’t let people tell you not to care about AI being inflated. But I do think S&P indexes will have relatively small exposure if you’re keeping them long term. I would just get VTI for a total US stock market index, DIA for the DOW, and maybe some VT for global exposure
It literally doesn't matter which ETF. Someone already calculated it and VOO, SPY, VTI, etc, it's all a tie in the end
I was told VTI and VXUS
If you can, open up a Roth IRA and deposit any post tax income you have earned in the last year. Invest in VTI, IVV, VOO any cheap index and you will thank yourself in the future.
Yes, SpaceX will be included into VTI and VT. However, it will not be as big as most people think due to smaller amount of shares they are making available to retail investors. Summary: VTI and VT will have SpaceX Any S&P 500 fund will not have it. Same for International funds (Developed nor Emerging funds).
VTI is exposed to every shitty company ever to be public. It is, by definition, the total market (in the US). SpaceX could go to $0 and it would barely be a wet fart in VTI.
No, the NASDAQ-100 is not "all" of our retirement funds. Actually, until a month ago, I very rarely saw anyone on Reddit recommend it, as opposed to VTI or VOO. For some reason, everyone on here suddenly thinks that 1 stock that will constitute about 0.2% of *some* index funds is sucking up all the liquidity in the world.