VTI
Vanguard Total Stock Market Index Fund ETF Shares
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Inherited 200k from grandmother. What is the best move?
Hi, i know this is a long shot but is anyone here knowledgeable about Chinese equity market?
How are people thinking about bonds, energy, and tech right now
Investing $100 a day - what would you choose besides VOO?
Investing $100 a day - what would you choose besides VOO?
For non-US investors what are non-US domiciled equivalent ETFs you buy?
Vrgg russell etf - what are everyone's thoughts?
8 Investment Lessons I Learned from Stay Calm by David Booth
Isn’t concentration actually proven to win over the long term? .
Planning on bolstering my portfolio against taxes. I'm relatively inexperienced when it comes to the market, so I would like some advice.
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
IRA vs. Taxable Account (Keeping the money in for 20 years).
Avoid chasing new AI chip stocks and accumulate TSM?
Moving Cash Allocation into Tax Advantaged Accounts instead of After-Tax?
Tax-loss harvesting vs rebalancing into VTI before a 2028 home purchase?
$119k VTI/VXUS long position YOLO. I'm a wild and crazy guy.
What’s the best way to draw down from a money market fund?
Thoughts on FZROX and FZILX over VTI and VXUS in a Roth IRA?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Sell individual stock at a loss, pay down principal or reinvest into index funds?
How should I split my Roth IRA between VTI and QQQ?
Are bonds/fixed income really required for someone approaching retirement?
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
Best Way to Diversify Brokerage vs Roth IRA?
Choosing Between Lump Sum and Weekly DCA VTI
40% of Stocks Experience Catastrophic Losses, and the Best Performers Suffer -69% Drawdowns on Average
19-year-old college student looking to invest for the long term. What would you buy in 2026?
39M tech PM. My RSUs quietly became 55% of net worth and I didn't notice till last week
I invested $6000 for the first time in February and I'm down 22%
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
Sold $HOOD, took profits, and re-entered. Do you believe in Robinhood long term?
60 VTI/ 30 VXUS/10 VMFXX. Should I (33) rebalance to include bonds?
Too much of my portfolio is from RSUs - how would you diversify?
I spent 6 years trying to beat the market. Mostly I just learned how hard that is.
Critique the direction of my 14yo son’s Roth IRA we started this year
How does this mixture look for my 14yo son’s Roth IRA?
New to investing, not sure if im doin it right
AI is disruptive. Individual companies have never been more volatile. What’s the argument to not just buy indexes?
What about VYM? That seems pretty immune to the shenanigans of the tech bros. You can't fake dividends.
Paying 1.86% at Ameriprise and thinking about simplifying. Is that fee still reasonable?
What $10k invested in 8 major indices would be worth today *PART 2*
What $10k invested in 8 major indices in 2011 would be worth today
Bullish thesis for SPCX into the summer
Bullish SPCX Mechanical and Macro Thesis in the next month
Donor Advised Fund (DAF) asset allocation, crypto?
Aggressive Roth IRA at 18 – What Would You Change?
Spacex, OpenAI, and Anthropic IPOs are investment opportunities and don’t let anyone tell you otherwise
used to dread rebalancing day, now it runs overnight
PSA: Don't be a bag holder for SpaceX and AI companies
Investing Opinions for Recent Grad with little student debt
Mentions
Then why tf does he/you own VTI and VOO???
I'd roll most of those sector bets straight into VTI and call it a day
Dude just move everything to VTI or VOO and sleep easier for the next 20 years.
I truly don’t understand shit like this. Even most of the schmucks who sort of know what they’re doing on this sub lose money picking stocks. If you’re a regular person that doesn’t live and breathe the market, just park 80/20 between VTI and VXUS and call it a day. The bogleheads are low cortisol chillers.
VTI or ITOT are much better tax loss partners for SPY.
Hold and wait. but consider putting anything else in something like an index fund like VTI, VT, or Voo.
His investment objective is likely to get rich quick. If this is his objective then he is doing it correctly. VTI is for slow and steady.
Invest in a broad market index fund like VT or VTI. That should be the base of your investment portfolio, walls, and the roof.
fwiw XLI, VFH, XLV and VCR are already inside VTI at market weight, so holding them separately is just a manual sector tilt. if you don't actually want to overweight those 4, folding them into VTI drops 4 tickers and nothing really changes
> Rate out of 10 2/10. You could have just bought VTI or VT and been done with it. > International is only about 5%. Too low? Depends on what your assessment is of the global market. Do you have a compelling reason to be different than the overall market weighting and so heavily in the US?
VTI and chill brother. Way too overcomplicated.
I know I am comparing a small event. But VTI and tech falls whereas VFH is up close to 1% in the last week makes me to feel that VTI is more tech tilted around 41% and with that VGT as well makes me feel like I am not diversified enough for other sectors. I might be wrong.
I'd give it a 7.5/10. Love the consistency, but I think you're making the portfolio more complicated than it needs to be. 1. Is 17 tickers too many ? I'd consolidate. VTI already covers most of those sector ETFs. Keep SMH, AVUV or VOE if you deliberately want extra exposure, but there's a lot of unnecessary overlap here. 2. Should I add bonds at 29, or is gold plus a yearly review enough? Yes, I'd move XLI, VFH, XLV and VCR into VTI. You're already getting exposure to those businesses. 1. At 29, with a long horizon, I wouldn't feel obligated to own them. Gold isn't a bond replacement though. More important is whether you can stomach a 40% drawdown without selling. 3. International is only about 5%. Too low? 5% is pretty light. I'd personally look closer to 15–25%, although a US-heavy portfolio isn't automatically wrong. I'd probably simplify to VTI/VXUS as the foundation, with a few deliberate small/mid-cap and semiconductor tilts. The $1,100 every two weeks is doing more for your long-term wealth than having the perfect allocation anyway.
Your core can be simplified entirely to VT, VTI, or VOO. As for your aggressive satellite allocation, I’d stick to a maximum of 5 symbols and try to minimize any overlap. Your best bets here in my opinion are AVUV, SMH, QTUM, and NLR, but be careful about sector thematic ETFs. A strong argument could be made to just buy SMH there.
In the last one week VTI is down 2.58 but VFH is up 0.94. I think VTI is more tilted towards tech stocks and already my portfolio has certain segment of tech (like memory, semiconductor in the aggressive side of it) that’s why I picked tickers like XLI, VFH, XLV and VCR seperately
Too many names & VTI covers most of the indexes you're holding. I would hold more VXUS for international exposure (30% VXUS 50% VOO 20% individual positions). Keep it down to 5 companies tops if you're not a full time investor, it's hard to keep track of more financials/leadership than that. I'm just some guy so do your own dd.
17 tickets is too many. I would stick to a mix of VTI, VGT, and VXUS for the core holdings.
The problem is people don't just take the win and move on. I sold all my individual holdings over the last year, ending in July for a profit of over 200%<, a house, and put everything in VTI/VXUS and forget about trading ever again because I have a really good nest egg now.
We all learn from past mistakes, odte options are super risky but also rewarding. Choose some great dividend paying stocks like schd VOO VTI, Pfizer , ford …. And keep adding to those and gamble odte on the side with money u don’t regret losing 😂👍🤷♂️
VTI, shares only. Never come to this subreddit again.
VTI down 1.3%, would not call that tanking lol
On the chance this isn't a bot or troll: >My whole portfolio was AI stocks MU, NBIS, SNDK, LUNR, NVDA, AMD.. Well, stop doing that. Go to r/Bogleheads and do boring index funds: VTI + VXUS or anything comparable. Then just sit back and do nothing for 40 years. Either way though, you must have realistic expectations with investing: the 1.68% drop in the past 5 days is positively nothing. Even your index funds can drop 10-20% out of nowhere, or 20-40% in a true bear market/crash.
Max out 401k and IRA every year, invest ~60% in VOO or VTI, 20% VXUS, 20% bonds Or 0dtes
World ex US $VXUS is outperforming the US $VTI. It's crazy how the $SOXX mirrors $EWY. If you wanna know how semis will trade just watch KOSPI from the night before. The KOSPI ended green last night. If the DXY keeps moving lower I think we are gonna see a bounce in semis or $SOXX stocks today.
A simple VTI/VXUS-style stack isn't exciting but it keeps me from tinkering myself into a worse return.
No. Also, anyone who “learns” anything on Reddit should just buy VTI. In fact, pretty much everyone should just buy VTI. Now get off Reddit and go learn what I use said in a textbook.
Yeah, I don't understand how people keep losing this much money. The economy is so unbelievably easy right now. I'm up like 20% on my stocks in the last year, which I accomplished by not gambling on options that I don't understand. A lot of the people on this subreddit could have been making steady, incremental gains on reliable stocks that continue gaining in growth. That same $40,000 in VTI would be up $5000 if it was purchased at the beginning of the year.
If you got 1m worth of VTI years ago you would have 2.6m today What are you even doing
If you got 1m worth of VTI years ago you would have 2.6m today What are you even doing
But what about the Trump Account holdings? The one he created for parents/kids. The holdings are initially SPYM with the ability to add on with IVV, SPTM, ITOT and VTI. All are steady in the market usually. Especially with SPYM there will be 5 years where this ETF cannot be sold in the account (there are a few limited ways but really most will not be able to do so). The others are for where more money is added to the account or for 5 years from now. Just curious. 5 years of an ETF held in place with limited options to add. Would people here recommend building a portfolio from the ETF list above?
https://preview.redd.it/btsaf2bl5pvh1.jpeg?width=1320&format=pjpg&auto=webp&s=f6b7278fe9ecf073081c8c581a768dba0828e0c5 Here’s most of it. Other accounts are all VTI. SGOV is partially April taxes.
You haven’t stated a thesis or timeline for your investment. Are these long term plays (and they bloody well should be if you’re hand picking). I mean if you’re doing individual stocks at this level then you’re exposed to the whatever comes to those individual tickers. That’s why everyone advised broad market funds like VOO, VTI etc. Also if you’re investing in individual stocks, it means you’ve signed up to basically completely write off losses if you need to sell when shit hits the fan. If you need that money anytime in the next few years, then recognize your mistake and sell now to preserve capital. Otherwise buckle up and enjoy the fireworks.
Work hard to keep your job. Keep your head down and keep buying VTI. Nothing changes in boom or bust markets unless you're retiring in the next 5 years.
Will someone please tell me if Voog is a good 30 year investment for a simple retard or should I do QQQ, VTI or VOO
Just hold for 20 years and you’ll likely be up significantly. Next time, stick to VTI though! delete app and live your life.
I have $1.6 million dollars! I'm screwed!!!! Boy what the hell are you talking about? Even if you paid off your student loan debt today you'd have more money than most people earn in 25 years. And who told you to take out loans for your schooling when you had that much cash sitting around doing fuck-all? Did you make a mistake? Yeah, but it's a different mistake than spending all that money friviously. You've still got it and can put a milly in VTI or VOO and live a modest life off dividends. You're going to be fine.
Look for a flat fee advisor - links are below. Anyone can call themself a financial advisor. You want a CFP who IS NOT working at a bank. Also be wary of anyone trying to sell you whole/permanent/universal life insurance or annuities as they are making a huge commision off of you. A good advisor should explain things so you understand, and they should prevent you from doing stupid behavioral actions like trying to time the market, pulling your money during a market crash, going all in on select tech stocks, perforamce chasing etc. - https://www.flatfeeadvisors.org (**flat fee only**, no AUM) - https://adviceonlynetwork.com (**flat fee only**, no AUM) - https://hellonectarine.com/ (**flat fee hourly or 8 week engagement**) Fees are also very important to look at. A fee of 1% a year will eat away your potential growth to the tune of 33% over 40 years. If you have invested in a broad based index fund like VOO or VTI 10 years ago, you would have at least doubled your money.
I always keep at least 30% in VTI to keep up with inflation. The rest in BND and sleep like a baby. When stocks correct dramatically, I'll move more into VTI and rebalance out as they climb.
Your strategy should be early and often. Control debt. Build a cash/emergency fund. Maximize the advantage of free money (the employer match) and tax advantaged accounts (Roth, 401K, etc.). Plenty of writings out there about how $100/month from now until your full SSA retirement age invested in something like VOO or VTI should give you a high probability of success. Once you're hitting that threshold you can do more to work towards FIRE or FIRE COAST.
lol. sell all that garbage and buy VTI. Don't listen to analyst ratings.
What market dip? Zoom out. Sounds like you should just buy VTI.
You're 19. No reason why you can't just ETF and chill for 30 years. I'm 27 and that's my plan for investing. Most of my port will be VTI & VXUS, with a small portion going to individual stocks. Also some Quantum computing ETFs. No sense in taking on a huge risk when you have a long time horizon.
it is not an appropriate selection for a position of this size relative to his entire port. 7 million has really has basically, one place to live--SPY or VTI or VOO. Which are all basically the same thing with different fee structures. This is just greed.
Vanguard has been saying to expect lower returns from equities since 2013- in the 3-5% range. Anyone who avoided or reduced equities because of this missed out on 13.75% cagr for 13 years (for VTI). Eventually they'll be right, but if 90% of fund managers can't beat the indexes, I figure I don't have much chance to time the market either.
I'm none of those things. What have you held for 10 years? How does an investor in 2015 select a stock that will confidently do better than CAT? Had I invested the 100K being discussed in this thread in Feb20215 when I bought, the position would be worth about 1 million (and I didn't have DRIP turned on for the first 8 years). This leads to the question, "HOW do you pick one stock for the next 10 years?" Don't just throw out a popular WSB ticker. I think AMZN and GOOGL are good to talk about in this discussion due to market penetration, staying power, multiple revenue streams, and a history of performance. PS - That list isn't my portfolio, which is dominated by VOO, VTI, MOAT, DIA, SGOV, and CAT. It is just the tickers I've held for 10+ years. With the luxury of hindsight, we know I could have done better.
Yeah I just sold most of my stocks today and will start DCA into VTI most likely
Seriously. 500K? Just buy boring shit like VT, VTI, VOO. It will grow plenty without the chance of losing it all overnight.
*“Maybe” doesn’t convince me that he won’t get screwed over in 15 years.* Unless the law is changed, which is unlikely, there's no maybe about it. There are conditions but they're not hard to meet. https://www.fidelity.com/learning-center/personal-finance/529-rollover-to-roth That said, if you're set against it, I would set up a separate brokerage account and put it in a standard index fund like VTI. At whatever point you decide to give it to him, sell, keep enough to cover the taxes if you need, and send him a check. If you want to be paranoid about losing money while still outperforming a savings account, you can put it into a target date fund aimed at people who retired 10-20 years ago.
It might be a bad time to invest right now but no one knows. Since things are high I’d put it into something safe like VOO which covers most of the US stock market. There is also VT and VTI if you want to diversify even more.
VTI is up .8% over the last week, lol. You must be holding something that contains memory stocks.
I became a multimillionaire through just investing in VTI and tech stocks like a normal investor. Never put money in options and I just come here to remind myself why I shouldn’t.
50k in an HYSA. This is your life emergency fund. The remainder: 10k a week over the next 45 weeks. There is no “timing the market” you’re young enough to not need to worry about that. Growth ETF + some dividend + Small Cap USA. I’d recommend 50% VTI 40% VBR 10% MPLX or SCHD mainly for the energy diversification. Although you may elect to put that 10% wherever you wish. After 45 weeks if you feel like you want to reduce that from say 50k to 20k or 30k you may consider investing in other things for diversification. Gold, Art, or investment in yourself (enjoyment/business/material/skills/schooling/medical/etc). Investments into the market is important ofc but don’t forget to invest in your well being too :)
Meh, in the last 20 years it looks like VTI 6X not including dividends. It’s the rule of 72. Divide 72 by the % or time and you get the other. So 72/7(years)=10.3% ish before inflation. Which is pretty much what they say, yeah?
Open a fidelity or otherwise account put it in VOO VTI VXUS. And forget about it. Don’t put the app on your phone don’t look. Don’t touch it.
Either all of it in VOO or VTI is perfectly fine.
The S&P 500 is a specific index of the 500 largest companies in the US alone. SPY, VOO, IVV are all S&P 500 ETFs with minor variations in portfolio weighting. VTI includes all companies traded on the NYSE and NASDAQ in the US. it is not an international ETF. FTSE is a UK exchange so this does not include US stocks.
Only delusional people living in the US want to buy TOTAL WORLD or anything WORLD related Vanguard. There is no good thing about WORLD. Just VTI and chill. "Never bet against America" - Warren Buffett.
Man, I know where we are, but I don't understand how someone can just casually gamble so much money on a single position. Like, by the time you have half a million to play around with, just put that shit on VT or VTI and chill.
VTI is a total US market ETF. VOO is a total S&P market ETF. considering you have $4k in your account I would be looking at broad based ETF and not trying to take big swings with private equity.
no, you should not be investing in private equity and more specifically you should not be investing in direct PE companies. stick to VTI or VOO and yourself the heartache and headache.
nice plan but especially the QQQ/SMH and 6% single‑name (NVDA) looks like over‑concentration; consider upping the large‑cap core to about 90% VOO/VTI and putting the 10‑15% into diversified growth or international; keep a bond ladder for the 40‑year‑horizon and test your 10‑year trailing rule against a realistic drawdown before you lock it in.
the plan is solid on the big index, but the tech tilt feels like a neck‑tied safety net. 80% S&P and 8% QQQ already overlap a lot in FA>NVDA etc. If the same chip cycle hiccups, you could be staring at a 30–40% hit close to your 8‑year mark. Also the legacy leg with 40‑year horizon could use a bit more diversification – maybe a slice of global (e.g. VTI + XWO) and some bonds earlier, the 3‑year-before‑retirement window feels tight. Brown‑out if a shock hits; you’ll still be riding the crash before you start realigning. Consider a 70/30 US/International split plus 10–15% bonds from year –5 to start smoothing out the tail risk.
Yeah VTI has a lot of garbage in it. Tiny percentage but why hold garbage in your portfolio
I think this is why I see “wealth conservationist” advocating for more VTI vice VOO recently.
50% VTI, 40% VGT and 10% IBIT is my choice.
I think follow the smart keep it simple herd (ETFs like Ai tells you do use such as VTI and VXUS as examples) but also have a tilt towards something else (Fidelity Contrafund, Oakmark Select, or whatever). Some people may not agree with me here, but I’m sticking to both).
what i feel is the largest hitch is that you lean 23% on SPMO and 23% on AVLV – both are heavy US large‑cap exposure, so the portfolio is basically a re‑weighted S&P 500 with a 10% slice of US small‑cap value (AVUV) and about 28% international value, plus a few mantles of small‑cap and emerging value. that blurs the line between a true factor mix and a modified index. a cleaner approach would be keep one core broad‑market ETF (VTI or VT), add a single US momentum fund like SPMO, a single US small‑cap value like AVUV, and then perhaps a low‑vol or quality tilt for downside protection. that cuts the fund count, simplifies the tax picture and still keeps the factor flavor, while cutting the 6% EM slice that adds paperwork for little benefit. the overlap vs S&P 500 is high – 48% of your core is essentially the S&P 500 anyway – so consider tightening the tilt so you don’t end up chasing the same basket of large caps under a new coat.
Yeah, I’ve lost 20k since June from options so I’ll probably just stop and stick to good ole VTI. 😬 At least it was play money
The average Redditor is financially retarded. They really think ITOT, VTI, and SPY will be front run or rug pulled by trump in the trump accounts lmao bunch of fucking idiots
There's little overlap aside from the broad market funds which were intentional. The one hole is midcaps. Since Oct of 2021 which is how far back the avantis funds go, the US portion of the portfolio would have returned 16%/yr compared with 13.5%/yr VOO and 12.2%/yr VTI My international holdings produced 13.6%/yr in that time also outperforming VOO alone. SPDW had a 10.1%/yr over that time. Combined, this port produced 15.3%/yr outperforming VT's 11.2% I had Muse do the calculations because it has access to necessary historical data.
This is thankfully incredibly easy to do with low risk strategies. You can simply invest it into VT or VTI and it should double in 7 - 10 years based on how the market is performing.
I like the intent, but I'd pressure-test the "meets or exceeds VOO with broader downside protection" framing — that part reads like having your cake and eating it. Value and momentum are fine factors, but neither is a downside hedge. Momentum has had notorious crash episodes, and value has gone through multi-year stretches of underperformance that tested everyone's faith in it. If you want actual downside protection, that's a low-volatility or quality tilt, not value/momentum. The other thing I'd check is how much of this is just the S&P 500 wearing a trench coat. With 23% SPMO + 23% AVLV + 13% VTI plus the international large-cap funds, there's a decent chance the factor exposures net out to something close to market beta with extra expense ratios and rebalancing headaches on top. Worth running the actual overlap before assuming you're diversified. None of that makes it a bad portfolio — AVUV/AVDV are solid, well-run funds. I'd just calibrate the pitch: the realistic expectation is roughly market-like returns with different tracking error and hopefully a modest long-run factor premium, not outperformance plus protection. And in the brokerage account, rebalancing by addition is smart — keeps the tax man out of it.
I feel you brother. I was just having some fun at your expense. In all reality, just stop gambling with options and 0dtes and put your cash into some *relatively* safe etf like VOO or VTI or the like. Hope you do well from here on out.
congrats. 1.2m out of the wheel – if you’re serious about locking it, most people are converting 70‑80% into a low‑vol ETF like VTI or SPY and keeping the rest as a small spread or a short‑term synthetic to ride another flip. the trick is keep a cushion of cash – you never know when the pharma buzz will hit a new wave again.
$X000000. someone writes a 20 paragraph life story with their mortgage rate in it and the answer is always VTI
“Saving” $100 a year on $1MM invested is sort of majoring in the minors IMO. I personally like VTI as well, but it’s technically a different index. For those who want just the S&P, it would likely make a LOT more sense to cancel one or two subscription services or eat out one time less per quarter. But 🤷.
I would however have to change by contributions then to stay on target for market weight. Let’s follow your example and say market weight starts at 50:50 for VTI + VXUS, and I invest $100 each month. Then the market shifts 20% up for VTI and is stagnant for VXUS, so now they are $60:$50 and now the market weight is 54.5:45.5. Now I would need to adjust my incoming investment contributions to match that, otherwise I’d be under buying VTI and over buying VXUS. I guess a more accurate way to describe it is that the split requires more active engagement with your portfolio in any kinds of manner from just buying VT, and that extra engagement can be a risk.
1%??? So the ER on VOO is 100 basis points above VTI? I’m skeptical but don’t care enough to fact check this either way.
voo bull could save 1% in fees by changing to VTI just saying...those 1% add up over the years
This is great advice. I had researched all of this four years ago upon my initial investing, and just need to clarify what I believed to be true. Currently about a quarter of my stocks are VTI shares
There's no way to avoid the taxes, however, you don't have to pull it all out NVDA or any other stock. You can sell a quarter or half or whatever amount and let that ride until next year. I don't think you'd have to worry much about NVDA dropping to zero any time soon. So where to put it into something less risky? Probably an ETF like VTI, VOO, and other such funds which are a basket of stocks. If one goes down, another probably is going up that day, so they are diversified.
Position: long VTI, no NIO or Chinese equity positions. Honestly if you still believe in NIO's fundamentals, averaging down on a single Chinese ADR is a much riskier bet than broadening into a China ETF like MCHI or KWEB, which spreads the political and regulatory risk across many names rather than concentrating it in one automaker. The macro overhang on Chinese equities is real and largely policy-driven, but it cuts both ways, if sentiment shifts you likely capture more upside with the ETF than by doubling down on one name that still has to execute on profitability.
VTI or it's equivalent. Whatever total market fund available to you with the least amount of basis points. If you picked a fund purely based off of lowest basis, you'd probably do quite well. You get what you don't pay for.
Here are the big three reasons: 1) to get the credit, you have to be in a taxable brokerage since in tax advantaged accounts it doesn’t matter, which from an efficiency point should only be done after maxing those accounts like IRA, HSA, and 401k. A very small portion of people can do that, but let’s imagine you do. 2) doing a split of VTI + VXUS instead of just VT means you have to manually maintain your market weighted ratio, meaning periods in between your rebalance checks risk underperforming the whole market. 3) because you must rebalance, you necessarily are checking your portfolio regularly, and as I mentioned in earlier comments, checking your balance frequently can lead to lower long term returns. So if you max out your tax advantaged accounts, if you can avoid behavioral panic from frequent checking, and if you consider the tax credit and expense ratio edge better than automatic market rebalancing funds that don’t miss the shifts, then sure do the split. It just seems like more work and risk than the benefit it reaps to me.
Here is the big three reasons: 1) to get the credit, you have to be in a taxable brokerage, which from an efficiency point should only be done after maxing tax advantaged accounts like IRA, HSA, and 401k. A very small portion of people can do that, but let’s imagine you do. 2) doing a split of VTI + VXUS instead of just VT means you have to manually maintain your market weighted ratio, meaning periods in between your rebalance checks risk underperforming the whole market. 3) because you must rebalance, you necessarily are checking your portfolio regularly, and as I mentioned in earlier comments, checking your balance frequently [can lead to lower long term returns.](https://blog.odinvestor.net/frequent-reduces-returns/) So if you max out your tax advantaged accounts, if you can avoid behavioral panic from frequent checking, and if you consider the tax credit and expense ratio edge better than automatic market rebalancing funds that don’t miss the shifts, then sure do the split. It just seems like more work and risk than the benefit it reaps to me.
\> It works the opposite. If funds are down then you would be buying into that rather than selling out of it. Let's say VTI is down 2% on the day you sell it, to buy more VXUS (which let's say is up 2%) in order to rebalance. Then you've just bought high and sold low, which wouldn't be an issue with VT.
With $4.7 million invested in your early 40s, you've made it, congratulations! That's real wealth and you should be talking to your accountant and maybe even a fee based advisor, not broke college kids on Reddit lol. In that situation, if it were me, I'd just put 25% in a mix of treasuries, 5% in GLD for inflation/currency debasement, 20% in VXUS and the rest in VTI. The reason for the 25% treasuries is because you mention you may want to retire in 10 years, otherwise if you liked your job and wanted to keep working, you could have even less treasuries. I probably wouldn't even be contributing anymore if I already had $4.7 million- assuming a 7% return, you'll have 9 million in your early 50s. If I liked the house i was in, i'd split extra money between bucket list things like vacations and dream cars and paying off the house. I assume you have a high cost of living, but with a paid off house and $9 million in retirement, you should be able to live nicely in any city. It's a cliche, but health isn't guaranteed, people die in their 50s, you've saved a lot, have some fun now. Congratulations!
Honestly, I was mainly comparing them because I was looking at the balance between simplicity, diversification, and tech exposure. VOO is probably the best fit for the set-and-forget approach, but I was curious whether the additional tech tilt from QQQM or the broader exposure from VTI made more sense over a 5–7 year horizon. Not necessarily looking to move away from VOO just trying to understand if there’s a compelling reason to.
Hey, saw your take on VOO vs VTI and QQQM. I like the set-and-forget approach, but now I’m curious what originally made you compare the three in the first place. Are you looking for something different from VOO, or just second guessing it?
That’s a really good way to put it, the company doing well and your shares doing well are two completely different things over there. I watched a friend ride BABA all the way down while the business was still printing cash, and it just never translated. The rules can shift overnight and there’s not much you can do about it from here. If you’re already mostly in VTI and just want a tiny side bet, I’d go way smaller than whatever “small portion” you’re picturing right now.
that's a sad state for the company. they just tried to copy Apple with the NIO houses create an "eco system" of products but they forget that Apple dominate the phone market. I don't blame you for selling but XPENG? bruh i would rather buy VTI and never look at individual stocks again.
hints of that simplicity sound good, but remember SCHG is still a single 30‑plus tech‑focused slice of the market. if your goal is to \*really\* stop checking charts, you could keep 70‑80% in SCHG and tile the rest into a broad market fund like VTI or even a total world ETF—automate the contributions and you’re on autopilot. that’s a decent “hand‑off” from picking individual growth names without skimming a wall of news every day.
If you don’t know enough to pick individual stocks, what makes you think you can pick an ETF? IMO just VOO or VTI and add some VXUS and you’re done.
Yes, me too. I've done well with the recent bull market trading, but I'm currently switching to long term investing: 35% SCHG in Roth, 30% SCHD in Roth, 25% VTI in brokerage, and 10% VXUS in brokerage. DCA investing weekly and holding through ALL dips and market turmoil.