VTI

D1rtyH1ppy

I think full port GOOG is a good move. I'd sleep better at night with VTI, but that's just me.

UnfairDiscount8331

Do you think I’m being a little too safe sticking to VTI and VXUS?

Thermogenic

One thing I’ll add is VT is a bit inefficient in a taxable account. In a taxable account you may be better off with a blend of VTI and VXUS to have roughly the same coverage but capture some of the tax benefits of foreign dividends. VT traditionally does not have enough in foreign investments to be eligible for the foreign tax credit.

plshelpmebuddah

VTI is \~1.6% off ATHs lmao. If there's a real correction, there will be so many tears in this sub JFC.

madhattr999

If the price doesn't drop in 6 months, then there's no bag being held. The relevance of it being float-adjusted is that significant time is elapsing to discover a truer price. The insiders' shares are not on the market, and not reflected in VTI.

blindnlearning2see

Just put 10% of your pay when paid into VOO (or whatever VTI, etc.). For most people this is twice a month.

Sufficient_Habit5091

Again you are reframing into a straw man. No one is saying that isn't VTI's duty. What OP was stating was if SPCX is being dumped onto VTI bagholders from insiders. And you're response is "it's float-adjusted" which is completely irrelevant as that will change soon to 40% and then 100% next year. Sure if it tanks a lot then we can all say "no problem". But if it doesn't the argument holds.

madhattr999

I don't really see it as moving the goal posts. VTI has a duty to replicate the performance of the total market, even if that includes stocks that aren't fairly-valued. I very much agree with you that its problematic for insiders to be dumping shares onto the public when the stock price is being manipulated to be higher than it's worth. I don't think the solution can be that Vanguard creates that solution (whether its some special exception to exclude SpaceX or something else).

FistEnergy

VTI

drew-gen-x

In fairness the whole world economy & markets have pumped up by money printing. But that's why when I am asked if I am concerned that $VXUS is being propped up by Samsung, ASML, TSM, and SK; I say yes. But those stocks make up less than 10% of the market cap of $VXUS vs $VTI being at 37% tech/Mag 7 stocks. Everything will get hit if this bubble pops. But I don't think people are looking at what is in what they own and are buying. This is what people are missing about today vs dot com. It wasn't the shit tech stocks that crashed the market. It was that everyone owned the same 6-10 stocks and they made up over 35% of the $SPY. If everyone owns the same damn stocks and they all start to fall then who is gonna buy when everyone is selling the same 6-10 stocks when they sell their index funds???

madhattr999

You're saying price discovery doesn't matter? If the stock moves down toward more objective values between now and the end of the year, that's a good thing. A total market index like VTI should include SpaceX, simply because it's part of the market. And it makes sense to be float-adjusted so that only attainable shares are included. If by the end of the year, all of those shares are attainable, then I think that's fair and reasonable. I dislike Musk and corrupted practices as much as anyone, but total market indexes need to include the stock.

drew-gen-x

There's a lot to be concerned about with the absurd valuation of $SPCX entering the Nasdaq. I don't know enough about when it will enter the $SPY or $VTI. I did buy some $VT today and I'm sure $SPCX will be in there as well, but at a much lower concentration than $VTI. And we are gonna get OpenAi piece of shit IPO eventually as well. The markets need to follow the old rules where a stock had to wait 2-3 years before entering the S&P and Nasdaq. This is another reason I am more bullish world ex US over US stocks. There's risks everywhere, but the Nasdaq is super concentrated w over valued stocks bleeding cash right now. Mag 7 super spenders and now Space X and soon Open AI. And it would be 1 thing if these stocks made up 10-15% of the market cap concentration of Nasdaq. But it's gonna be near 40% after Space X is added to the Mag 7 stocks.

Sufficient_Habit5091

It's not about price discovery? It's that a substantial amount of stock will be unloaded on retirement accounts, VTI, target date funds, large cap blend, etc. It's the grift and people unknowingly buying this overvalued crap that's the problem. Never in history have we had an instant mega cap at such a size besides Aramco. Except that was a state backed mega profitable company printing $110B in pure net income a year. Not hemorrhaging cash.

madhattr999

I'm no expert, but I think there's a big difference between VTI having to allocate 5% of the market cap of SPCX vs 100%... "by end of year" and "by 2027" is the same thing.. So I'm not sure what you're trying to say there. 6 months is lots of time for price discovery, compared to one or two weeks.

Sufficient_Habit5091

There's rampant misinformation about how much SPCX is grifting and conning retirement accounts. People keep saying "VTI is float-adjusted!" Why would that matter? By EOY 40% of shares will enter float. By next year 100%: https://i.imgur.com/H7SSWKN.png

Sufficient_Habit5091

There's rampant misinformation about how much SPCX is grifting retirement accounts. People keep saying "VTI is float-adjusted!" Why would that matter? By EOY 40% of shares will enter float. By next year 100%: https://i.imgur.com/H7SSWKN.png

AskPatient1281

Because of diversification -> smaller risk. With VOO you invest in 500 companies. With VTI and VXUS you invest in 12,000 companies in the entire globe.

CryptoSamia

first off sorry for your loss, and smart of you to not just blow it. keeping some in the HYSA as your emergency fund is actually the right call, dont invest all of it. for the rest, open a Roth IRA (Fidelity or Schwab are both easy) and put money into a total market index fund like VTI or a target date fund, then just leave it alone. you dont need to pick stocks or time anything at 20, time is your biggest advantage. set up auto investing monthly with whatever you can comfortably spare and let it ride. one more thing, if the inheritance is a bigger sum, it might be worth a one time chat with a fee-only fiduciary advisor (flat fee, not someone selling you stuff) just to get a plan that fits your situation.

CryptoSamia

I've been thinking about why so many new investors blow up their accounts and it usually comes down to one thing, they treat the market like a casino instead of a savings machine. the stuff that actually works is kinda boring. pick a low cost index fund like VOO or VTI, buy the same amount every week no matter what the price is, and just dont touch it. thats it. no charts, no timing, no checking it 12 times a day. The magic isnt picking the perfect fund, its consistency. when the market drops everyone panics and stops buying, but thats literally when your $100 buys more shares on sale. the people who keep buying through the scary times are the ones who win over 10-20 years. two things that help a lot: automate it so you never have to think about it, and if you can, use a Roth IRA so you dont get taxed on all those gains later. whats the boring habit that made the biggest difference for you? curious what people wish they started sooner.

Regular-Print2896

Thanks! I heard the VT and VTI were some solid global trades ❤️

AskPatient1281

It is a great idea! $100/week in VTI is even better. $80/week in VTI and $20/week in VXUS is even better better bestest.

RJ5R

If I just put $1,000 per month into VTI for 40 years will I be able to retire?

drew-gen-x

Well, that's good to know. BTD in $VTI over the $QQQ.

madhattr999

I think SPY needs to wait a year.. And VTI is float-adjusted... so I think QQQ is the only problematic one.

drew-gen-x

Luckily, $SPCX has every $VTI, $QQQ, and $SPY buyer to help lighten up those bags.

Walkabye25

If patterns are still a thing. Triple top pattern on VTI.

DoU92

No speculation allowed in the stock subreddit,sir! Buy VTI and stop discussing exciting new industries that need time to mature! Imagine being THAT guy.

MayaIsSunshine

Oh no, VTI is down 0.5% in pre-market, how will I survive 🫨

leaning_on_a_wheel

Buying broad indices like VTI is already treading carefully enough. Don’t try to time the market, just keep buying and never sell

vn2017s

You can recover, but takes long time. Make strict rules. No margin. Put 90% in VTSAX, 10% do option trading. I suggest MF version. As you can't trade it like ETF VTI . It curbs the impulse trading. If you have side job, slowly add money. Withdraw if you have winning week and spend it.

gucciman333

Incredible and how much did you start with when you invested in VTI? No one is making 8 figures with a regular day job throwing money into vanguard.

Exquisite-Load8654

No - Buy VTI. Save yourself from yourself.

drew-gen-x

I'm 80% World ex US if you add in Gold. $VXUS is my largest position and I am well aware that most of the gains this year have come from ASML, TSM, Samsung & SK. But at the end of the day $VXUS has 21% tech market cap weight vs $VTI 36.95% tech market cap weight. I find it hilarious that people are fleeing to the Mag 7 cap ex spenders or $VTI as a flight to safety. It might work. But you are less diversified and have a much higher tech market cap concentration than the foreign markets you are claiming have hit their tech peak. Any way Cheers & good luck.

earthwormdeath

I think he just means that S&P general funds - like VTI for example - are styled to reflect the overall market. Thus - when there are bad apples (large company, low performer) - those apples would naturally over time be replaced by some nice shiny ones. This is because the float of the company that is underperforming decreases. As the goal of these index funds are the mirror the overall market - an underperforming company’s will hold less weight relative to the index portfolio as the size of the company relative to the overall market decreases.

drew-gen-x

This is a market. Prices go up and prices go down. I'd be much more worried about SpaceX diluting my $QQQ or $VTI positions if I had any. Everyone is calling for the tops in these semi companies like Samsung and yet Samsung projecting to make more money this quarter than any company ever & has a market cap that is lower than that SpaceX pos stock burning hundreds of billions of dollars being shoved down the throats of every 401K in America that is in the $SPY or $QQQ. I think people need to look at what they actually own and ask themselves which stocks or indices are actually in a bubble??

Alucard2051

VTI

johyongil

I love it how no context is applied and the immediate reaction is “GTFO”. Let me ask you: I have a client who I charge \~1% annually for my services. However over the past 5 years (when I acquired my client) I’ve run an average net alpha return of 7% against a VTI/SPY benchmark. Meaning if you benchmarked me against a VTI/SPY portfolio (of virtually any configuration/allocation) I’m returning more than 7% AFTER my fee is assessed. And that’s before any tax mitigation is done. With it, I’m probably well above 11%. Would you advise this person to leave and tell her she’s being robbed of her savings and investments? Some clients are higher, some are lower net returns depending on the client’s situation but I chose the median case. By the way, Vanguard published a white paper that even says that advisory services can net returns better than self-directed investments. There are MULTIPLE papers by Vanguard on this. You have no idea what OP’s situation is. You have no clue about what his investments are comprised of. You don’t even know the performance details. You have literally nothing to go on about whether investing on their own is good or not. And before you say anything, I turn plenty of people down. Just this past week I’ve turned away about 3.75MM in business because it wouldn’t be a good fit. Our group fired a client worth well over 20MM for the same reason. How this has anything to do with my example: a Bloomberg terminal is clearly not a good fit for people with less than some large number. But it still widely regarded as a VALUABLE tool. Obviously a 50k or even 1MM account isn’t a good fit for usage but there is a point where it does become valuable. OP is getting charged just under 1%. That typically means he has some serious assets. Definitely over $1MM, potentially over $5MM. **What business do you have rushing to a judgement call saying advisory is not worth it with no other info?**

fen-q

Yes. Although, by principle, picking individual stocks should not be discouraged. Sure, park most of your money in safe places like ETFs and bonds, but purely from learning perspective, picking stocks should encouraged. There should be nothing but posts discussing fundamentals, technicals, moats, giving each other advice, how to do proper DD etc, but instead of that, when someone comes in here and asks something, the general response is "you're too dumb to do this, just VOO and chill" or "you're not the next Warren Buffett, just VTI and chill".

EmpathyFabrication

Kenvue (KVUE) broke $20 today, almost around what it was trading at pre-bullshit. Kenvue up 14% YTD beating VTI

Blade3colorado

What an imbecilic post. I own 2700 shares of NVDA and my profits have been 104.31% . . . More important, VOO owns 7.89% of NVDA and it sits right at the top as its largest single holding, carrying an immense amount of weight in the index. Want more? VTI holds nearly 3,500 U.S. companies (including mid, small, and micro-caps). Because the fund covers the entire domestic market rather than just large caps, NVDA's concentration drops slightly, though it remains the fund's top holding at 6.70%. As others have said here, what the fuck do you want? All of those other stocks you mentioned, sans MSFT, might as well be "mom and pop grocery stores" compared to NVDA.

No_Current3675

If yallz panicking over this maybe yallz need to just VTI n chill

StatisticalMan

It is one reason I just own VTI and VXUS. Own the market and hope the global economy does well. While VTV is mostly value it is a guess is value will outperform and if it does it is unclear given VTV isn't a perfect proxy for that it will also benefit.

colxa

With all due respect, your comment doesn't make much sense. Are you implying that an advisor will be able to navigate through a down market and generate returns better than the s&p 500? History shows that is not true. Are you implying you'll be better off timing when to take your money out while the market trends down? You won't be. Investing in the s&p 500 or a total market fund like VTI is definitely the move for someone that just wants to grow their money over time without the overhead of having an advisor.

Dario_Agger

Mid-caps are beating the S&P 500 YTD, so it definitely isn't mid-cap underperformance. Standard all-cap U.S. funds like VTI are beating the S&P 500. As you said, this just looks like a poorly managed fund. And I'm sure the high expense ratio doesn't help.

MrP1anet

Most people in the world, including highly paid active investors do worse than the market. Something like 90% would have done better with VTI over any random 10 year stretch.

UnObtainium17

During my early investing days, I was just buying VTI every payday. I was passively investing for many years all while reading up on how to pick good stocks.. I only started picking my own stocks once I got confident enough about it after reading heavily for almost three years. Now years have passed and I am glad i learned how to pick stocks, I will not have the kind of gains i have - have i stuck with just VTI.. But you have to be patient about it, start dipping little by little and not head on first. If you are patient and cautious you will do great.

taplar

I'm curious. Does anyone employ a long term strategy of holding something like a market ETF, along with a bond ETF and an information security ETF? Thinking about random investing things, I was looking at a back testing tool to see if you held VTI and BND, how much of VGT could you have historically held to have gotten the same returns. Wondering if anyone actually puts something like that into practice. Sorta an alternative to leverage to alter the over all risk level.

WhiteLotus_1776

Pretty soon you’ll be able to change it to things like VTI and VOO ….. the SPYM is just the starting default ….. you’ll also be able to transfer it to other brokerages like Fidelity and Vanguard ….. give it a chance to get completely up and running Here’s a quote from the article tagged below: “During the growth period, funds must be invested in broad U.S. equity index funds – such as mutual funds or ETFs that track market indexes like the S&P 500 – with no leverage and annual fees and expenses capped at 0.1%. Subject to limited exceptions for cash, no other investments are permitted, including sector-specific funds.” https://www.chase.com/personal/investments/learning-and-insights/article/trump-accounts-for-kids-considerations-for-parents It all comes down to, nobody is forcing anybody to open one for their kids. If you don’t want to open one for your kids, don’t ………… 20 - 30 years from now we will see who’s doing better……… the kids of the parents who opened the accounts and fully funded them for their kids for years until they turn 18 then converted them to Roth IRA ….. or the kids of people who didn’t.

fakieTreFlip

lessons I learned the hard way: * stock picking is very hard * timing the market is very hard * stock picking requires a ton of time and research * stock picking is very stressful * ETFs like VTI are very easy, they do all the thinking for you * ETFs are boring but CONSISTENT

otterbarks

>I’m curious to hear experiences from people who kept consistently DCA’ing during market crashes and months of downtrends, what made you keep going when everything kept dropping? Frankly... setting up a diversified portfolio, then not looking at it again for a decade. Set a recurring monthly investment so everything happens hands-off, then just ignore it and keep contributing. The key there is having a diversified portfolio, so that I can rely on Modern Portfolio Theory. This would not work if I was picking individual stocks. >How did you stay confident that it would eventually go up again? Because historically, a diversified portfolio always has. Short of global social and economic collapse, the total market will keep going up. I was invested in broad-market ETFs, like VTI/VXUS. I'm not going to beat the market, but just meeting par is actually pretty good over that horizon. As long as you're okay letting funds sit for 10+ years and you have a truly diversified portfolio, it's a pretty safe bet. \> how did it actually turn out for you? I started DCA'ing into my portfolio in 2008. The first few years were rough, but 18 years later I think I'm in a pretty good place.

Foreign_Ostrich

Please God if you get me out of this I’ll buy VTI

Vegetable_Link9896

Are you young with retirement accounts? 100% stocks babyyy (like VTI + VXUS). Got some more cash for shorter time horizons (8-15 years)? Yeah I'm holding about half of mine in SGOV while still investing the other half.

drew-gen-x

I buy & hold $VXUS, $EWY, $EWJ, and I trade $DRAM for my AI/Semis positions. My thesis is different from many others here I am sure. I think we are seeing the beginning of a long term cycle of cash move from West to East. The AI cap ex spenders (Google, Microsoft, Amazon, and META) have stopped all their stock buybacks and are now spending all of their 2026 FCF, diluting shareholders, and adding debt and sending the majority of that cash to Pacific Asia. (SK Hynix, Samsung, ASML, TSM, Kioxia and Softbank). I want to own the indices that are receiving this cash and reinvesting that cash back into their local economies (South Korea, Japan, Taiwan, etc.) This has more volatility than $VTI, $QQQ, or even $SOXX as I also face USD currency fluctuations. But I am looking at the long term big picture as we enter a new market cycle. I own $DE for the USA data center build out since it is trading at a much cheaper valuation than $CAT. Good Luck

declanpalmerston

I think the first question is whether you’re trying to invest in **the AI value chain** or just the companies with “AI” in the marketing material. Personally, I’d lean toward the picks-and-shovels approach. For semiconductors, I like broad funds such as **SOXX** or **SMH** because almost every AI workload ultimately depends on chips. Whether the winners are OpenAI, Anthropic, Google, or someone we haven’t heard of yet, they all need massive compute infrastructure. I’m more cautious with AI-specific ETFs. Many are actively managed, relatively expensive, and often end up holding the same mega-cap tech names you already own through an S&P 500 or Nasdaq fund. You’re paying a higher fee for exposure you may already have. If I were building a 10+ year portfolio, I’d probably allocate the majority to a semiconductor ETF and complement it with a broad market fund like VTI or VOO rather than trying to guess which AI software companies will dominate. Chips benefit regardless of who wins the AI race. One thing I’d avoid is buying an ETF just because “AI” is in the name. Always look at the holdings—many have very concentrated portfolios or simply repackage the Magnificent Seven with a higher expense ratio. Sorry for the long reply hope it helps

Im_Still_Here12

I'm not doing anything different. Keep a few months of cash on hand and keep buying VTI/VXUS/VTG. Nothing ever changes except it just keep going up over the years.

ranting_chef

First - coming here for serious advice is a terrible idea. Second, don’t ever feel bad about taking some profits. I make pasta for a living and like 90% of the people here, I started buying/trading stocks during COVID. I don’t know anything, but I’ve been really lucky the last few years. I’d tell you what I assume many will: stick to an index fund, but I see you have plenty of VTI. My big index fund is SPY, so I feel fine about that. Nobody can predict what will happen with any single stock - I can’t imagine google under-performing the market anytime soon, so I’d maybe hang onto that one. RKLB has done really well but I wonder if it will continue to do so with SpaceX being publicly traded now.

MobiuS_360

As everyone else said buy broad ETFs like VOO, VTI, VXUS, etc. But I don't think it hurts to buy individual stocks if you believe in it and actually invest. I've invested a lot into GOOG for example because I think over the long term it will be a good investment. But 90% of my portfolio is still broad ETFs. If you don't believe in any individual stocks or you only plan to invest in them for the short term then you're better off with only ETFs.

Beautiful_Proof586

Let it compound. Just add 70% VTI to your ETF portfolio

Beautiful_Proof586

VTI is also spectacular long term

Exquisite-Load8654

Explore VTI. Save yourself from yourself.

Helpmefindajob97

Will this have ant affect on VTI?

Cloaked42m

>Ahead of the July 4 launch, the US Treasury announced that the default investment for all accounts will be the State Street SPDR Portfolio S&P 500 ETF (SPYM), which tracks the performance of the S&P 500. It has an expense ratio of 0.02%. >Treasury also noted that “in the coming months,” parents and guardians will have a choice of four other funds into which they may allocate contributions. Those funds are the iShares Core S&P 500 ETF (IVV); Vanguard Total Stock Market ETF (VTI); State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF (SPTM) and iShares Core S&P Total US Stock Market ETF (ITOT And Robinhood is managing it.

JeanneDarc0

I see, pretty incredible stuff and I'm glad you did good for yourself, my vision is different tho I'm 23 years of age and want to contribute close to every dime I make (minus necessities) to an individual account all invested in VTI and after a promotion, college etc and once I've invested around 1 million I can just live off the 4% rule.

Jericho3434

I’m kind of similar, Nasdaq 100% in 401K, Roth IRA 100% VT. VTI, VXUS and SCHD in taxable brokerage.

dudeatwork77

Old position. I wouldn’t buy qqq or VTI today

Banned3rdTimesaCharm

VTI, TSMC, OKLO. 2m.

grumpyterrier

Mine are boring AVUV VXUS VTI But the ones I’m excited to see are TWST, ARKK, RKLB, ASTS

sixjasefive

VOO, QQQ, VTI…equity is TD Synnex, for years.

Various_Couple_764

VOO and SPY are both the same funds both invest in the S&P500 index. so there is no reason to have both. pick one and most all your money into that fund And there is no need to have a large cap and small cap fund or a tech heavy fund. S&P 500 already has a lot of tech in it. You could invest in VTI which covered most of the US stock market and then add VXUS for international growth. OR you drop all of this and invest in VT which increase in all stocks domestic and international.

Past-Option2702

Why qqq? It’s just a bunch or random stocks that are fully accounted for in VTI.

Electronic-Advisor72

You could always VTI and chill

ilbuonsamaritano

Why would you go VTI and QQQ? They fully overlap I believe and QQQ has much higher TER.

babyd42

Might as well just get VT, there's no point to VTI/VXUS and QQQ, just pick something

No_Current3675

Bruh u need to VTI & chill. So u want $4K/mo, call it $6K pretax, $6 \* 12 mo/year = $72K/year. $72K / 0.04 = $1,800K, aight u need like $1.8 milly at a SWR of 4%. That's yo goal mayn.

coolest35

VTI

rippedmalenurse

Rationale for selling Reddit? Seems like it’s just reentered a bullish trend. RDDT is 40% of my holdings, then MSFT is the other 40% VTI is the other 20

Creepy_Breath7076

Felt a bit adventurous, bought SMH with my VTI/VXUS/QQQ last month.

CannoBalllZ

Could you explain what resources or tools you used to identify stocks that were promising. What did you use to learn about options trading? I understand some basics but don’t really mess with it, just been putting everything in VTI and VXUS

hidden-daddy

I think I probably should put some international in there. I’m probably only gonna do 10 or 15% if I do. I was researching the S&P 500 yesterday and saw that it’s like the top seven companies that’s holding are pretty tech heavy from what I saw. I just see a lot of people in here. A lot of people say VTI and chill or only invest in VOO and just other ideas that are really simple which I love I just don’t know if it’s the right thing to do or not. I do understand that it’s lots of companies being invested in within an allocated fund, but I just want to be sure.

Final-Designer-388

I have 80% VTI & 20% VXUS, would switching 100% VT earn me more over the course of 20 years?

sparkle_and_twist

VT , VTI, or VOO. Pick one and dump money into it repeatedly

cdude

Listen dude, i'm your age and I will tell you this. You should take time to read all the links on the wiki, both here and on personalfinance. Boglehead or "VTI and chill" is the best for you. Posting questions like this, you have no idea if the advice you're getting is from someone who has been investing for decades, or some 20 year old kid who only knows the post-covid AI bull run, telling you to yolo into some speculative stocks.

Emergency_Cicada3119

VTI

Mammoth_DonkeyKong

100% I would've went VTI and maybe VYMI if I would have started my self managed Roth journey 20 or 30 years ago. Unfortunately, I had an advisor when I was younger and in the military that had me in an advisor class fund with a 50% front load for two years and a over 1% expense ratio. Fund did okay but that expense ratio got to me eventually and when I opened my Fidelity account, I moved it in, and sold it immediately. Just did that last year and initially went with some decent mutual funds and a few dividend funds but then decided that I should go for more growth. Nonetheless, VTI, VT, and many other solid index ETFs are the set it and forget it long term play. I have my 18 year old son rolling VTI and VYMI right now, and really that's all he needs to build a great future until he graduates from University and gets a job with a 401K. Then he can lean into that while opening a Roth and trying to max that each year.

Sloffie1960

20% VOO 20%VTI 20% VIG then with the remaining 20% pick 3 speculation stocks.

hdfire21

Changing money from a hysa to VTI right now? God, I don't know. If anyone tells you they know, they're lying. But if VTI dipped 20-30%, then yeah, I'd do it. Probably wouldn't hit it right and it would continue to decline dramatically, knowing my luck. But in 10 years it would probably look great if I held the course.

Immediate-Run-7085

You got it backwards my man. At 26 you shouldn’t be putting $40 into investments and $1700 into savings a month. You already have $57k, put the $1700 monthly into VTI

ChangeNOW_Community

Consider maxing tax-advantaged accounts first (401(k), IRA if eligible), then invest the rest in low-cost index funds like VTI. Simplicity compounds

Zenatic

What I do already…80% VTI, 20% TQQQ for my US exposure This isn’t my retirement money, and if I am being honest, I would probably put a bit more in TQQQ.

StregaCagna

I keep a relatively boring Roth IRA (VTI, VXUS, AVGV and some FMTM for fun.) I maxed out my contribution 5 months ago but that doesn’t mean I can’t buy and sell what I have and “rebalance.” I’m like a Boglehead who’s gone a little nuts - I stay diversified, I have specific ratios I want try to hold on to, I don’t take huge risks and focus more on profit taking and I don’t mess with individual stocks, just ETFs but I do like to buy and sell instead of set and forget. As an example, my VXUS ratio got way too high this week. I was happy to see that my sell order for 10 shares at $85.75 executed because I was looking to shave the position anyway. Put in a buy order for 20 shares at $40.05 for FMTM at lunchtime, that executed in the afternoon. Saving the leftover cash for the next opportunity. Earlier this week I also sold 20 shares of FMTM at just shy of $44. Used that to buy AVGV yesterday at a recent low of $84.35. Every move I made this week, the ETF I sold went down, everything I bought went up and I’ve rarely had a week where that wasn’t the case. I’m holding some cash and I’m not getting greedy. It’s been like this for months. Maybe I’m just lucky, but I do try to be very disciplined - I only sell at near ATHs and I only buy when the price is at an unusual low and I truly believe the etf will go back up in the short term. I’ve been similarly taking profits from VTI when one hits an exceptional high, hold it, wait for the market to lose 2-5%, buy low in something else, rinse and repeat. I keep an eye on the day trade rules and do my best to spread out my trades - I try to only buy and sell the same etf once a week. I’m usually holding around $1500-2000 cash at any time. I don’t let any buy or sell more than about $1000 because that throws the ratios I want to stick to way out of whack. I’ve made a little over $2500 doing over the past 2 months vs. just setting and forgetting. I happened to have a Rollover IRA that was nearly the same amount in April as my Roth IRA and was set to the same starting portfolio that I started with in the Roth, so I use that as my benchmark and don’t touch it to keep me honest. It’s currently trailing by $2700. It takes only a few minutes a day and it’s been fun to make money just by shifting things around a little. My goal is to beat the other portfolio by $7500 by December 31st. I started my Roth IRA 18 years later than I should have, so would love catch up by doubling it Roth contribution every year.

Mammoth_DonkeyKong

VTI and VUG both win and lose when the market fluctuates since they hold the same large cap holdings with VUG super overweight in that area. If we had 10 straight years of winning, this might beat my setup, but it's likely not even close in a more up and down scenario. 100% VUG does beat this setup when 1o year back tested, but that is an all in play that tech and AI keep rolling strong and I'm not so willing to take that bet. Ford just hired back a ton of folks because AI was not getting it down in the QC department. Could see more of this in the next ten years or AI could continue to skyrocket. I'll play that one a bit more conservative I guess.

mhoepfin

Please peel off $2 million, put it in something boring like VTI and try again with the $200k left. Your future self will thank you. Nice job!

Mammoth_DonkeyKong

Thanks for this response and explaining your thoughts. I guess I am being reasonably aggressive but anchoring with stability using SCHD and VTV. This setup helps to have a winning solution more often than not. SPMO is pretty volatile, yesterday the S&P was near breaking even, yet SPMO was down 2.89% because of the weighting currently. On days where the S&P is up 1.5%, SPMO will likely be up 4.5 to 5%. I do understand dividends and that's why I am choosing SCHD and VTV as a value play with decent growth but also winning when SPMO isn't. They compliment each other quite well. As u/gbdgdh pointed out, this setup beats VTI only, VT only, and 70% VTI & 30% VXUS. With a worst case drawdown of -18.5% over that 10 years, which recovered in roughly 4 to 5 months. Maybe the title is a little confusing, but I'm not trying to go so aggressive that I lose my ass with extremely volatile assets. SPMO gaining an inflation adjusted 382% since inception in 2015 is pretty darn good. SCHD and VTV are up over 150% each on total return during the same time period. Given my 10 year timeline, 382% and 150% each in SCHD and VTV sounds pretty good. Given the 10+ year history on each of these, I think they are pretty solid quality ETFs. Lastly, and the real key here, I am all set with my 401K and taxable. Taxable should be generating $60K+ in passive dividend income without selling a single share, then my pension and social security will have me in the $130,000 income range without touching my 401K. I will then begin Roth conversions of the 401K to reduce RMDs. If this Roth plan gains as well as I hope, I may rotate out of dividends in my taxable to reduce tax hit and use the Roth for tax free income. As I said, I'm doing well for myself, so retirement shouldn't be an issue.

EpicOfBrave

“Everything = VTI” is caveman portfolio theory, perfectly fitting your farm mentality. One AI hardware bubble lifts the index and now you’re mooing like you cracked Wall Street from a hay bale. Back to the farm.

blorg

It is ranked by free float (albeit with a multiplier), and they only floated around 4% of the company. 4% of $2tn is $80bn, and NASDAQ-100 multiplies that number by 3, so it will be treated as having a market cap around $240bn. That puts it at around 0.92%, or between KLA Corporation and Netflix, at position 21. It could be a bit higher or lower than that but it won't be #4 or #5 because it's not a straight market cap weight. Other indexes like the total US market and total world, just rank it by the free float, so it's treated as a $80bn company. That puts it around Chipotle or Target level in VT/VRWP or VTI. It will work out around 0.12% of VT.

InvestingNerd2020

Also, why are you talking about individual stock picking? That is horrible to tell investors, especially new ones. Too much volatility and too much technical information for them to process right out of the gate. Broad funds, Index mutual funds or index ETFS, are more stable and produce reliable growth over the long-term (10+years holding). VOO, VTI, or similar broad funds outperform individual stock pickers most of the time over a 10-year period with far less stress and time needed to research. Multiple studies have been done on this.

InvestingNerd2020

Incorrect. 2 people mentioned VOO, and one of those 2 mentioned VTI.

SheriffBartholomew

Idk why people are downvoting you for a question that people here usually love answering. At a minimum put it in a HYSA. Realistically the safest hands-off plan is to put like 20% of your earnings into an index fund and leave it there. VOO, VTI, or whatever. Good luck!

greenpride32

VXUS has pretty poor track record compared to VTI. I had to read so many times in past year how VXUS is beating VTI in short term, and now 1 year return is not much different. Now zoom out to 5/10/15/20/25. High growth larger/mega caps are concentrated in the US market - because US has both largest economy and largest flows of investment capital - it's very difficult to break this cycle. World or ex-US ETF is then watered down with slower growing and more mature companies. Just compare VTI with VT to see that. Are you trying to win the prize for being more diversified, or trying to grow your net worth?

KeepScrollin420

I did the same recently sold half kept half! Take your profits people! Personally I put most of it into VTI in my taxable account and fully funded Roth IRA for the year as well!