VTI

Cruian

>Also while it is good to go as far back as possible for data, you do not always want to weigh that old data to heavily This isn't true at all, as taking the longer view shows that it is horribly unreliable to judge future winners off what is ahead at any given point in time. Your same methodology done 5 years ago would have resulted in the completely opposite conclusion than what you're saying at the start of this comment chain even when using the same start date. >A few stocks are carrying the overall market and they are not at risk of going out of business. They don't need to go out of business to simply under perform. >VOO performs the same as VTI at worst. Not necessarily. While the market cap weighing should keep them, close, it can't be guaranteed that VOO ends up on top over any given future time span as my link above shows. >Yes, it did barely beat it that one year. Try again: Most of the 2010-2021 period had VTI beating VOO. Look at the graph and see the VOO line underneath the VTI one at plenty of points in that time frame. >You don't invest for a 1 year slight out performance. You are looking for performance 20 years down the line. My graph did show a nearly 20 year period where the winner would have been VTI, not VOO. 1 year of "slight out performance" wouldn't have canceled out the lead VOO built in the 90s to be strong enough to last through the S&P 500's under performance of the 2000-2010 decade (https://testfol.io/?s=cd5unIyuFP6), swing into the lead for most of the 2010-2020 decade (https://testfol.io/?s=d78mCGd0XF9 - look not at the end value but rather the line graph and see how often the blue was above the red). >Both our graphs show that VOO wins long term. Only because of the November 2021 through current period. My graphs show plenty of other times where a long term winner could have been called VTI, not VOO. What makes the leader today the guaranteed winner going forward the next 20 years when the leader in October 2021 was different after nearly 20 years? >VTI has more dead weight, there is no way getting around that mathematically. Most stocks everywhere aren't worth investing in, the difficulty is finding tomorrow's winners. There's plenty of times where market favor is with smaller caps, not in the S&P 500. As the links here show, long term smaller caps have beaten large: Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ Notice in the last link the small blend beat large blend by over 2 whole percentage points in CAGR after 80+ years? >VTI only will have higher performance chances during a recession This is false. https://www.callan.com/wp-content/uploads/2020/01/Classic-Periodic-Table.pdf (PDF) or the archived version if that doesn't work: http://web.archive.org/web/20201205183933/https://www.callan.com/wp-content/uploads/2020/01/Classic-Periodic-Table.pdf (PDF) (Archived copies from Archive.org's Wayback Machine) 2003, 2004, 2006, 2009, 2010, 2012, 2013, and 2016 all showed both large and small caps in the US rising with small beating large (that's 8 out of 20). Let's remove any that were negative for at least the S&P 500 and it becomes 8/15, that's now over half the time in rising market situations. >The data also shows SPMO beats both of them which is what I mentioned I use instead so Factor investing is very different than using broad coverage funds and isn't a strategy for everyone. Even favored factors can and have had some periods of under performance in ways not everyone can tolerate (example from earlier today:L https://www.reddit.com/r/portfolios/comments/1vb4fgg/is_this_still_a_good_investment/).

MaximumCarnage88

I vote for VOO. Or something a little broader: SCHX/K/B or VTI. Go back to basics an you will weather any crash just fine. Over concentrate on space themes and the market may leave you behind.

RedditLeagueAccount

I agree that my own link only shows recent out pacing. However, prior to that they are essentially even. Also while it is good to go as far back as possible for data, you do not always want to weigh that old data to heavily. Good information for sure. It is also a question of how much times have changed though. Unless there is serious reform/change even if a recession happens the same structure is in place for the past 30 years. A few stocks are carrying the overall market and they are not at risk of going out of business. VOO performs the same as VTI at worst. Your link is also good but I don't think it disproves what I said. You are calling out that "even as recently as 2021 VTI beat VOO " Yes, it did barely beat it that one year. But the total number still comes out to VOO winning because the following years VOO recovered and out performed. You don't invest for a 1 year slight out performance. You are looking for performance 20 years down the line. Both our graphs show that VOO wins long term. VTI has more dead weight, there is no way getting around that mathematically. VTI only will have higher performance chances during a recession. We have more bull markets than we do bear markets. The math doesn't support it there either. The data also shows SPMO beats both of them which is what I mentioned I use instead so... Feel free to keep using VTI if you want. You are entitled to your own opinions and beliefs. I'm going to stick with never recommending VTI if there are options that are just as safe with better chances to outperform. I'd also talk about QQQ but I am expecting a harder market crash soon. We will see if AI can pull a big win.

Cruian

VOO is very young (2010). Using the investor tier mutual fund versions can provide data back to the early 90s. https://testfol.io/?s=8MTzu5mZX26 Uses the creation of VTSMX in 1992 and shows even as recently as 2021 VTI beating VOO and that the same was true for a large part of the 2010 decade (despite having been below VOO at basically the start of that decade). With a 1992 start date, all of the VOO over performance only started in late 2021.

RedditLeagueAccount

There have been cycles for sure. Cycles where small cap beats large cap. Cycles where VTI beats Voo. Also cycles where international outperforms the USA. But the most recent couple of decades, I believe Voo has out performed. They are close enough to be almost irrelevant though. Same issue as VGT, market weight balancing makes the holdings very similar. Unless you have a specific point or data point. I'll admit I don't have anything on hand right now but I was going off research I did a while ago and the graph matches up. [https://stockanalysis.com/etf/compare/voo-vs-vti/?r=MAX](https://stockanalysis.com/etf/compare/voo-vs-vti/?r=MAX)

jbcsee

The average investor just throws everything in VTI/VOO/etc... they are doing just fine. It's only the degenerate gamblers who are down 10%.

Cruian

>Also wondering when I should get out of VGT because I wanted to be a little aggressive while I'm still young. Sector bets are a form of uncompensated risk, which I would not consider aggressive. An uncompensated risk is one that doesn't bring higher expected long term returns. It should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ >An uncompensated risk is a risk that you can diversify against. * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk or if that doesn't work, the archive link: https://web.archive.org/web/20260107205255/https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, **sector,** or country. Even long term, the winners can come from far more boring areas. Tech revolutions: * https://www.pwlcapital.com/investing-technological-revolutions/ * https://www.morningstar.com/stocks/you-might-think-industry-growth-drives-stock-returns-heres-why-youd-be-wrong >50% VOO, 30% VGT, 15% VXUS, 5% NASA Why so low on ex-US? Why skip the US extended market? >Should I double dip with possibly 70% VOO 30% VXUS in the Roth, or switch to something like VTI in the Roth? I'm a total market style person, so I'd be using VTI or equivalents over VOO everywhere. Personally, 30% ex-US is my "floor" so I'd be compensating for the taxable being underweight ex-Us by having extra in the IRA (unless I was able to correct that easily).

Cruian

>VTI has no point. Similar to bonds, they will be safe during a recession, but at all other times, VOO would out perform. Every 1 year we spend in a recession, we have 5-10 growth years. It doesn't math out. And if you are not retiring, VOO will recover better within a few years. VTI has spent plenty of times above VOO, even long term and in good times. Looking towards factor investing research, small caps have tended to beat large in the long run.

RedditLeagueAccount

Something to lead with every post on here really - The average top performing investors are dead people. You want to set it up where you set it and forget it. That means making things simple. Not too many stocks. Avoid overlap. Diversify a bit. Roth is good. Fill that first every time. After that, it depends on your plan. Do you want to retire early? Going FIRE changes all the picks. While young, I am personally of the opinion of zero bonds. You don't need those until you are 1-2 years out from retirement, if at all. **VTI** has no point. Similar to bonds, they will be safe during a recession, but at all other times, **VOO** would out perform. Every 1 year we spend in a recession, we have 5-10 growth years. It doesn't math out. And if you are not retiring, **VOO** will recover better within a few years. **Traditional brokerage** should be safe growth ETF's unless you are planning on **FIRE**. You get taxed on dividends and cannot sell/rotate without tax penalties if you wanted to attempt that. So whatever you stick in there, generally its something you never need to sell or collect dividends on until you are 60+. So it is best to do growth ETF's. FIRE changes things a bit in the brokerage since you stop working before all the traditional retirement programs come in to support you and you would not have access to your Roth. **Roth** you *can* get a bit wild on since its fine to sell as long as you leave the money in the Roth. Not saying you should but it is safer to play around in. So you can be more risky there. I would still recommend focusing on Growth/value ETF's. Later there is no penalty to sell it all and shift into other options. I personally prefer **SPMO** to **VOO**. Grows a bit faster, if there is a drop, it drops a bit more but the graphs I looked at say **SPMO** does outperform/recovers fine. In either case, **keep in mind there is a lot of overlap** between them and **VGT** so those are not exactly diversified choices. **VOO** and **VGT** overlap by about **71% by weight** and share 36% of their holdings by number of stocks. Investing in **VOO** and **VGT** is almost investing in the same thing. (**VTI** is in the same boat btw, lots of fund overlap. No point selecting it to have a different option from **VOO**). **I would currently count VOO, VGT, and VTI, as all the same thing. Pick one of them**. **VOO** and **VTI** will rebalance if tech stocks crash. Slightly smaller profit margin, a bit more safety. **VGT** can't rebalance because its tech only. **VGT** will have a better upside if tech does not crash but has a higher risk. I personally don't see NASA going up without a major tech breakthrough. We need asteroid mining before we get mass space adoption. All the money is in AI right now and we only got real space investment to one up people during the cold war. No other countries are trying to do anything cool in space so right now its all about - do we think launching more satellites will be enough to drag the stock price up. For me the Roth is- 70% SPMO 8%- individual stocks to play with. 20% VXUS - increased it from 10% as international stuff is happening which will require growth or they fall apart. 2% bit coin - I think its a scam but the scam has lasted a long time semi successfully so far so I am getting the ETF versions with a stop loss instead of directly investing. Brokerage- 90% SPMO 10% random stuff from when I was new to investing that I haven't sold because they seem to be doing okay. It's very boring. I don't see a reason to change it until i'm 10 years out from retirement.

Legitimate_Cut_6254

It really depends on what accounts these are in. If you are in an investment account where you aren't going to have to realize the capital gains, I would slowly sell it until its under 20% of your total investment and throw it into an VXUS, VTI or some broad index. If this is a cash account (where you will have to pay taxes) on any gains. I'd probably leave it unless you want to spend money. There is a lot of risk to holding one asset, but Apple has been safe for a long time.

WhiteLotus_1776

In my Roth IRA, I do 70% VTI / 10% VXUS / 20% SCHG ….. and my wife does 70% VOO / 10% VXUS / 20% VGT in hers. Over 15 years, that’s done great for us. Pretty much the same setup in our brokerage accounts and Roth 401k’s

JahMusicMan

For your Roth just go with VTI to get some mid and small cap exposure and call it a day.

sharp315

did you see my other comment? what happens when VTI takes a 15%-20% dip when I am in retirement and then I am forced to sell my holdings at a loss to pay living expenses? I am well aware that broad market funds appreciate in value more than dividend funds, but I am asking what you think should happen when those broad market funds happen to be in a downturn and I still have living costs to pay.

GaylrdFocker

Is this a taxable account? Do not use Fidelity's zero fee funds in a taxable account. If you ever leave Fidelity they cannot be transferred. Just do VTI/VXUS split or 100% VT. If it's a retirement account like an IRA, FZROX and FZILX are all you need. FZILX replaces the Intl fund you listed, and everything between those that you listed are not worth it. It reduces your diversification for a higher expense ratio.

Dull_Judgment1587

For the benefit of folks reading this who might not be familiar with Fidelity funds, this basically works out within a minor rounding error of 80% VTI and 20% VXUS. Or in other words a totally reasonable, non-controversial portfolio for an aggressive 38 year old investor.

Fun-Personality-8008

It's a trad 401k and a Roth IRA yes. Just 100% VTI equivalents the whole time.

Immediate-Run-7085

So you know about VTI but actively choose to ignore them. Sounds pretty dumb to me

floatingostrichs

It would be pretty dumb of you to shrug off VTI/VOO and then question if you should invest in SCHD, dividend funds, or individual stocks. Pretty damn dumb.

dubsesq

VTI and VXUS bounceback

Flayum

That's why you don't pick stocks, just get the broadest non-overlapping ETFs. Why QQQ, when you could VOO? Why VOO, when you could VTI? Why VTI, when you could VT?

Over-Computer-6464

Go run some backtests of dividend oriented portfolios. They come out worse than the broad market indexes ETFs like VTI.

omardrogo

I started unloading my long held VTI this week, wish I’d done it faster now

DegenGonnaDegen

NOK, hydrogen energies, VTI. Port was down 17% in the last few weeks. The writing was on the wall that this is now a confirmed downtrend so I decided to get out and re-enter when things look more appealing 

No_Current3675

bruh u need VTI n chill.

Efficient-Fudge-3515

The best strategy is to invest in VOO, VTI, or VT and hold for a long period of time. The strategy is so good, that it is guaranteed to make you money and outperforms 85% of financial advisors who spend their life studying the market.

InTheYuma

Stocks are called “risk assets” for a reason. The advice still holds true that DCAing over long periods into index funds like VOO or VTI is the surest way to build wealth. Calling DCAing “market timing” contradicts the basic economic distinction between investing on a fixed schedule and making decisions based on expected price movements. OPs post history tells you everything you need to know

SpicyElixer

Right now? My new money is all VTI. I’m already overly concentrated in things I bought because of their unsustainable growth.

SooperShak

If Cramer ever issues a strong BUY on VTI that would mark the peak of human progress.

LanceX2

Sorry guys. I bought 500$ of VGT and VTI. Its going down right after.

SirGlass

Its so funny seeing trading subs talking about the dip and the bear market , VTI/VOO are like 2.5% off their ATHs?

hadtolaugh

I’m just tracking S&P500 via VOO. The other two are good as well if you want broader exposure in US (VTI) or Global market (VT) than S&P500 provides. I have a little of the others as well, I just trust the balancing of the S&P500 more than the others for regular buys.

Salaryinspain

Relax, Buffett. I already own VTI. This is the money I use to buy character development.

KennytheDoggy

Maybe you should just invest in VTI and leave the gambling to those with balls

LuckyNum2222

Any reason why VOO over VTI or VT? Just curious if there’s a reasoning

BartSimpsonGaveMeLSD

70/30 split between VTI & VGT. The end.

VTI4LYFE69

Why VTI called Morningstar now

Top_Cranberry_3254

Another bloodbath tomorrow. Iran shot ballistic missiles at us so Taco is going to start something and create volatility on top of all the other stuff. Good time to buy but afraid the bottom is much lower. The scary thing is that SPY/VTI/VOO haven't even crashed yet, only Ai/Tech/Semis/Memory so far. If the indexes go, then it's going to be hell.

IceHand41

I'll never be wealthy by your standards, but I will be financially independent before normal retirement age. I will also likely never buy an individual stock. Over the past 5 years, my Vanguard accounts have made 15.2% annually (initial investment has doubled), through low cost ETFs. For me that's VTI, VEA, VGT and VUG

Puzzleheaded_War6102

That’s why you buy VTI, VXUS and chill. Also some gold and greens for a rainy day.

BogleBread

We’ll need a bit more context in order to give you anything useful. What’s in your portfolio? When did you start investing and how often do you add to it? What was the peak? What market are you referring to? You don’t have to answer any of those, but overall the markets are quite strong right now. The U.S. market (VTI) is up 9.15% YTD and the rest of the world (VXUS) is up 9.13%. Certain *sectors* are taking a beating: the U.S. semiconductor sector (SOXX) is down nearly 20% over the last month, although is still up 57.5% YTD.

brown-ale

Risk vs Reward. Single stocks can be great but a reminder that there's no crying in the casino. ETFs like VOO, VTI or even VT should be your foundation (say 50-90% of your portfolio, depending on your situation)

BoltyMcSpeedy

I put 17% into my 401k + 3% employer match I have weekly auto deposits of about $135 that go into my Roth IRA on Robinhood. Whatever the math is to hit the max by Feb. There I have 2 tiers of holdings. Tier 1 is my backbone, and I have about 12.5% of my portfolio each in 4 stocks. I have another 10 or so making up the remainder. Those are between 4.5 and 7% depending in performance. I balance things out from time to time and it's usually the smaller positions I'll trade with. I have a taxable account as well that gets $65 weekly, also on RH. This just holds VTI and QQQ Lastly I have a RH checking/savings account and 1k from each monthly paycheck goes there into HYSA to give me liquidity in case of emergency. Once that hits 50k that 1k will instead go to my taxable brokerage Edit: I guess I'm a RH stan. It's also one of my smaller IRA holdings

Flayum

>  you need to pick individual stocks and that ETFs won’t get you there lol, this is also a way to become “seriously poor” and put yourself on the meme sub. You have a business, focus on that and upskilling yourself.  You shouldn’t be thinking about your investments. Put your excess cash into the best tax-advantaged vehicles you have available to you and just throw it into VT or VTI (if you don’t want international exposure for some reason).

WeakEstablishment686

Completely wrong lol. VTI and most broad based total market ETFs have been crushing it the past 3 years. 22% CAGR for VTI beginning of 2023-end of 2025

kcharles520

VTI has averaged 6.33% the past 3 years while the market was largely ripping... If people are that spooked they might as well just out their money in bonds and call it a day.

dogs_gt_cats

It is, though I hate that the underlying index changed its rules just to let SpaceX in. I am long VTI/VXUS for myself (I like the foreign tax credit), and hold a long position in VT for my child.

HeyYoChill

In this market, nearly everything that passes a basic fundamentals screen has already been taken to wild valuations. You'll end up buying nothing or buying high and selling low. Set your screens to growth and profitability, then sort by % off 52 week or all-time high. There are good companies in extreme drawdowns right now. You have to either buy fear or hype, otherwise you might as well full-port VTI and forget about it.

danceswithsteers

Until you *know* you know better, just chunk it all into a broad-market ETF (VOO, IVV, VTI, etc.) set it up to reinvest dividends and forget about it for a while.

sssilver

Wow, you really track your Reddit threads! I eliminated all my positions with these numbers (entered positions in February 2025): |**Symbol**|**Shares**|**Price**|**Proceeds**|**Gain**| |:-|:-|:-|:-|:-| |VGT|13,360|$112.43|$1,502,065|\+$428,622| |NVDA|2,318|$196.51|$455,510|\+$155,148| |PLTR|211|$131.53|$27,753|\+$10,923| |AAPL|71|$336.91|$23,921|\+$6,979| |MSFT|38|$389.10|$14,786|–$1,101| ||||**$2,024,034**|**+$600,571**| The plan is currently to buy VTI + VXUS + AVUV once the dust settles.

I_am_doing_my_Hw

I can’t tell if you’re serious or not, but in the case you are: Calls are bets that the stock will increase, where puts are bets that the stock will fall. Google will serve you well to learn more, but I’ll say this: don’t do 0DTE (options that expire within the day). Just put it in the VTI, SVGO, S&P500 or some other ETF for now. Don’t trade uncovered options (when you don’t actually own the stock) unless you’re willing to lose it all.

Several-Village5814

Don't and put it in VTI and don't waste your money

Dividedby21mil

You ever wake up in the morning, look in the mirror and say to yourself, “Why didn’t I just VTI and chill?”

Cathie_Woods_Tamp0n

VOO vs VFI vs VTI?

Aeroheadss

Ah yes that definitely works. **Leading Companies by Market Capitalization (2006)** **ExxonMobil**: Ranked as the most valuable company in the world driven by surging oil prices. **General Electric**: A massive industrial and financial powerhouse. **Citigroup**: A leading global banking giant prior to the 2008 financial crisis. **Microsoft**: The lone dominant technology firm near the very top of the market. **Bank of America**: A primary pillar of the American banking sector. **Total S.A.**: The major French multinational energy corporation. **Royal Dutch Shell**: The Anglo-Dutch oil and gas major. **BP**: The British multinational oil and gas company. **Pfizer**: The leading global pharmaceutical corporation. **Wal-Mart Stores**: The world’s largest retail enterprise at the time. An investment of $1,000,000 in Vanguard Total Stock Market ETF (VTI) in January 2006 would have grown to approximately **$5,700,000 to $5,900,000** by mid-2026. In stark contrast, splitting that same $1,000,000 equally ($100,000 each) across the top ten U.S. giants of 2006 and freezing it would have grown to roughly **$3,200,000 to $3,500,000**. \[[1](https://www.reddit.com/r/stocks/comments/g7lm86/big_3_investing_has_beaten_the_sp_500_the_past_25/), [2](https://totalrealreturns.com/n/VTI)\]

Dragonsven

Just be patient. I would not buy gold today but I have bought gold many times and I just hold. I've also bought VOO/VTI/VGT and many other ETFS which I would not buy today. But I am patient. I buy when I buy and I hold. The most important thing is to not pay attention, it will mess with your mind and you'll make bad decisions. Be confident in your purchases and just hold. If you need the money immediately you should not be investing it.

FrugosPeach

i would assume gold takes a few years to recover in price. At least a year or two.. if you can stomach that then you’ll probably recover your losses down the line. If you can’t stomach that then I’d probably put it in VOO or VTI etf and forget about it for a while.

LegitosaurusRex

You don't have to check the market, you just set it and forget it. Even if you can't do that, there's no reason a trustee couldn't put it in VTI/VXUS, and a trustee waiting a few months to hold the cash doesn't make sense either.

Camile_Washington

I'd first think about what kind of risk you want. VGT isn't just more risk, it's a bigger bet on tech and many of the same mega cap names already in VOO/VTI. In other words, the risk is more concentrated in one sector. Before making a switch like this, I recommend checking the ETF holdings and sector breakdown. I do that on moomoo since it helps me see whether I'm changing my exposure or just doubling down on the same names.

LegitosaurusRex

>The lesson I learned from all this is that it’s ok to build wealth slow Doesn’t seem like you learned your lesson if you’re not cutting your losses to invest what you have left in VTI/VXUS. Your reason for holding it is a sunk-cost fallacy; you’re making the choice to keep gambling to get your money back by not selling now.

ra__account

If anyone could accurately predict what stocks would have a substantial return on investment in a week, they wouldn't be giving it out on Reddit for free. You gambled on Bitcoin based on "hope". If you'd put that same money into VTI/VOO/equivalent, you'd have a healthy return on investment now. But that takes time, not a week.

67camaro427

Listen.... take that shit in VTI/VOO (or your lower risk ETF of choice) and chill.... i didnt read the posts but im sure others said the same.... the chances of you not losing it all is slim to none.. dont be an idiot. I know the feeling you have now.... you are gonna think your gonna make it to 5m or 10m gambiling like this... ive been there and lost it, regret it every fucking day.... EVERY FUCKING DAY!!!

iLogicFFA

Based on your post history my recommendation is to get off the phone, go outside and buy VTI from now on

Top_Category_2526

VTI is for you

harrison_wintergreen

>a 60% VTI, 20% VEU, and 20% QQQM portfolio. that's actually 80% VTI and 20% VEU. QQQM is just a sub-set of VTI. VTI is practically the entire US market, and QQQm is the top 100 non-financial stocks that list on the Nasdaq exchange. holding both VTI and QQQ means you're doubling up on some of the largest US companies. doubling up increases your risk because VTI and QQQM are likely to crash at the same time for the same reasons. it's not outrageously terrible, but be aware of the risk potential. > I am looking for high growth with as little risk as possible pick one or the other. the higher the growth potential, the higher the possible risk. >1) in a taxable UTMA account, would it be better to just consolidate the QQQM future purchases to VTI? probably. I would recommend something more like VT which covers the entire global stock market. or perhaps AOA which has about 50% US stocks, 30% international stocks and 20% bonds. the bonds will tend to act as a "shock absorber" in the event of a crash and minimize losses. >if the VTI is likely to perform better, VTI has performed better than VEA over the *past* 10-15 years, but that doesn't necessarily say anything about the *next* 10-15 years. at current valuations, it would not be a surprise if VEA performed better than VTI over the next 10-15 years.

Gimme_All_The_Foods

Put it all in VT or VTI and VXUS and assess later. Don't continue being an idiot.

LegitosaurusRex

Cash?? Great way to guarantee you lose money. VTI/VXUS.

nashguitar1

You won big, Congratulations. It is a mathematical certainty that you will lose it all if you keep making those kinds of bets. Pay your taxes, pay your debt, park it in SGOV for a year. Then gradually put it in SPY/RSP/VTI/BRK.B and leave it there for a few decades.

Azylim

Well, now you know better. as others said. liquidate your positions, get out of your stupid 2 stock positions, pay your bad debts, and put everything into SPY/VOO/VTI/VT. earn 8% annually on that million and reinvest it back. I wouldnt quit your job just yet but you can certainly work less hard now, as long as you quit your gambling addiction

SirGlass

You own all the stock inside voo . I also never got the logic to switch later? Return is return. To be clear I am not advocating growth I just do broad index funds like voo or VTI or VT that contains everything, growth and value.

No-Transportation843

VTI and chill

DoinIt4DaShorteez

60% VTI, 20% VEU, and 20% QQQM is fine. So is 100% VTI. So is 100% VOO. So is 50% VOO and 50% QQQM. I don't know why Google would say anything about QQQM specifically with respect to taxable accounts. It's going to be more volatile than the others because it's more concentrated, so I guess Google considers that more risky, but it has nothing to do with txable/non-taxable.

Beav710

Definitely. I made a life changing amount of money not even close to the amount OP made. I put like $200k in shares of mostly S&P, VTI, SOXX, MSFT. It almost hit $600k this year and I started my account in 2021. With this amount he will make a shit load if he just invests and chills on it. Maybe leave yourself a small gambling fund for fun still.

Flayum

No worries. Taxable account like a regular brokerage, not a retirement account. So first, VT is thought to be better than VTI+VXUS because it auto-balances the US (VTI) and Non-US (VXUS) proportion. So more efficient/easier for the investor. BUT: VXUS and VT both have dividends. The foreign parts of these (all of VXUS and 65ish of VT) are taxed by other governments. The IRS gives you a tax credit to make up for this in VXUS, but not VT. So in a taxable account, it's better to have VXUS (+VTI) instead of just VT. In a retirement account (including an IRA), the IRS doesn't care what happens inside and doesn't tax those distributions so there's no credit to give. BUT you already paid taxes to those foreign governments (before you even got the dividend). So you might as well use the simplier single fund: VT.

deebo_dasmybikepunk

Over the last 2 years VT and VTI are the same

GMVexst

"*Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO.*"

GMVexst

No. You are confusing safer with better. They are different. And while diversification is considered a good thing, over diversification is real and there is diminishing returns after a certain point. Now, don't run off making assumptions on what I said, there is nothing wrong with VT, VTI, but there is also nothing wrong with VOO. At the same time - the S&P 500 has performed significantly better than Total World over the last 30 years. And sure that could change any day, however it's quite ignorant to assume more diversification is always better when VOO is already diversified and also statistically much better.

D_Pablo67

Dollar cost averaging into VTI is fine. I also like VOO and QQQ. The key is to invest on a schedule instead of lump sums once a year to limit the impact of market volatility.

---Hummingbird---

I’m looking to pick all of your brains a bit and let Reddit do what it does best to give me a lot of ideas/perspectives with the upvotes showing me the preferred routes or at least where to start looking more. \-I have no investing background \-I’ve had three calls with front-level investing reps, but they can’t make recommendations, so they’ve only given me minimal general information \-I’m SPECIFICALLY looking for information to guide UTMA accounts I have 6 UTMA brokerage accounts that I’ve JUST started (all of the accounts should be under my control for about 15-21 years depending on the child. I plan to put in $850 total per month split in the accounts. I am looking for high growth with as little risk as possible (well more so keeping it responsible risk), but if the accounts went to zero it would not be the end of the world. I chose the UTMA accounts rather than a 529 because each of the kids gets 8 years of tuition waived. I’m open to the 529 if it’s significantly better, even with my kids having the 8 years covered, and doesn’t require a ton of hoops to convert to Roths. Ideally I want to accounts to benefit my children long before their retirement age. I also want the accounts to stay in the children’s names for protection against any divorce potentials.. although I don’t foresee that being an issue. I am still trying to rapidly piece together the best plan, but I have currently invested the first month’s money in a 60% VTI, 20% VEU, and 20% QQQM portfolio. I have since done a little more looking and Google ai seems to think QQQM is more risky for taxable accounts, but I’m not sure why or how yet. So my main questions are: 1 in a taxable UTMA account, would it be better to just consolidate the QQQM future purchases to VTI? 2 is VEU even worth holding on top of VTI if the account is not detrimental to retiring? Or in other words, if the VTI is likely to perform better, is it worth just focusing more/all into that and cut out the extra diversification that may not return as well? I don’t mean to offend anyone by the choices I’ve made so far… I am not hard pressed on these choices, so if I’m completely wrong… I’m highly teachable. I’m primarily looking to do the same investment each month for 20 years without having to watch and understand markets. I don’t need to make millions, but the more.. the better (within reasonable risks). Thanks a ton! My kids will appreciate it!

PartialDischage

VT is the equivalent of holding 60% VTI and 40% VXUS. If you have any international and small caps in your portfolio you probably aren't that much different than VT.

jigmepalmo

Yeah, doesn't matter much. They are both market-cap weighted so you're just getting a teeny tiny diversification of smaller companies with VTI compared to VOO.

ArtisticAside8224

I own and sell puts all the time to pick up some more due to the volatility. Growing internationally and they have no competition at all. I only 8 stocks - most of my portfolio is VTI - and this is one of the 8.

allirxse955

I used to be in the same boat as you, constantly scared to put money in the market because of the “what-ifs”. Every month I’d look at my savings funds and research stocks for hours looking for the next “big hit.” I’d open my brokerage account to buy, get scared, and instantly put it all in my HYSA instead. The way I got over this was forcing myself to invest. I’m not sure how much money you’re ready to invest, but for me $50 a week felt like enough to get my feet wet comfortably. I set it up to instantly withdraw every Monday to my broker, and each Monday I put $50 in either VTI, VWO, or VEA (75% of the time it goes to VTI, the other 25% it goes VWO/ VEA.) I went from being scared to invest to having $400 in my broker in less than two months, because once I started the recurring purchases, suddenly it was no longer scary to put an extra $50+ in one of those funds every now and then. Tl;dr - set up recurring deposits and pick a basic broad market fund to invest in and forget about it. Once you get your money in the market, you’ll feel more comfortable putting more in. Best of luck to you!

edoceo

Check out the sub called Personal Finance. They will tell you the steps are basically: staring with HYSA -- High Yield Savings for the close-to-you-liquid-assets. And then pick your favourite broker and purchase some VOO, VT, VTI which are vanguard index funds. Stuff your money and your grandfathers money in there and then let it mature.

FrenchFryNinja

Yeah. With the recent news I’m glad I went 60% VTI and 30% VOO

drew-gen-x

If you look at $VTI, ($SPY), $VXUS, $VT, and the $QQQ charts, the Nasdaq is the only index close to falling below prior support levels. If I was a bigger gambler I would buy $QQQ, but I'd rather take my shot buying $SOXX at $498 if it retest support. I did buy $VXUS yesterday at near the same price as it is now so I guess I did take 1 shot at a bounce into close today.

drew-gen-x

And yet $VTI, $VT, and $VXUS are all down less than a quarter percent today. Cash holders are still winning. /sarc

Stock_Cake_5889

So I've been putting small amounts into fractional shares for a few months, mostly just buying whatever looked good that week, and I finally sat down and looked at what I actually own. It's a mess. (side note: I am using Robinhood) **Current holdings:** |Ticker|Shares|Price|Value|%| |:-|:-|:-|:-|:-| |SMH|0.127803|$578.79|$73.97|31.1%| |QQQ|0.0992|$691.67|$68.61|28.9%| |VTI|0.081257|$365.11|$29.67|12.5%| |SCHD|0.762104|$32.83|$25.02|10.5%| |SPY|0.026723|$738.97|$19.75|8.3%| |VOO|0.021806|$679.23|$14.81|6.2%| |NVDA|0.02824|$207.18|$5.85|2.5%| |**Total**|||**$237.68**|**100%**| I'm fine taking on a moderate amount, I'm not trying to be super conservative at my age. But I also don't want the whole account riding on semiconductors. I'd like most of it to be something boring and steady with a smaller portion that has more upside. What do I keep? What do I drop? What should I buy? Any input is appreciated. I plan on putting in $50 a month, and $1000 next month.

psychohistorian8

I use VT for the built-in international allocation some people like VTI/VXUS so they can control the specific spread for international

cognitiveDiscontents

Buying VOO or VTI would be your best move unless you learn a whole lot and even then it is still likely the best choice. QQQ is a tech ETF. VOO is the 500 biggest companies in the US, which right now are dominated by growth in tech. I would put most in VOO and dabble in sector etfs like QQQ or individual stocks with a fraction of your investment if you wish.

Various_Couple_764

Ignore the news are comments. Focus on your goals. For a retirment fund a growth index funds is good like VT, VTI , VOO, or QQM are good. For a taxable brokerage you can also use growth index funds, Or you can in a good dividend fund Like EMO 8% yield, UTF 7% UTG 6.4% or government bond Any one of the funds above safe good choices to get you started And just buy it and gradually add more money. The key is to just get started with something safe and simple. Don't follow any advice on reddit, Just see it as a place to learn by seeing what other people are doing and what funds they are doing. And then do your own research by reading the fund prospectus and other documents. Most funds have websites were that information is posted.

oldtimehawkey

What risk level are you? Put most of the money in a low risk like VOO or VTI. Me, I’m low risk, so I’d do 80% Then buy individual stocks with the rest till you realize there’s no way to win at that and put that into BND. Haha.

Garrett_CPAatCOS

VTI = up, my holdings = DOWN

jk147

How many years? Anything more than 5 to 10 is VTI or VT area. Now this doesn’t mean you can’t invest in riskier things like AI, etc. You can just allocate a smaller percentage as playground, etc.

__redruM

Because OP is already overthinking every decision. VOO and VTI are almost the same fund with slight performance differences. VT adds international, so it’s also a good choice.

Flayum

Why not VTI or VT?

brianxhopkins

For the average person, this is spot on. I would like to add: 1) when investing into the roth, for the love of god don't let the money sit in the money market account. That's why OP said put it in VT. Money market account is pretty fancy way for saying HYSA, so make sure to move it to an index fund (VTI/VT/VOO/etc). 2) if you're young enough, check what your 401k money is going to. Usually they set it up automatically to deposit into a lifecycle fund depending on when your projected retirement date is. I would look into the breakdown of that lifecycle fund and maybe consider switching to a stock fund that tracks the S+P. At a young age, you don't really need the diversification (bonds) yet.

spilledonwhite

Coworker texted me Saturday saying he wanted help today rebalancing (placing the limit orders). Motherfucker has both VTI and VOO and wants to sell one and move more allocation into riskier growth stuff, probably VUG or something. I asked him about it today and he has no clue what is going on in the markets. He isn't timing anything, just looking at his own long term plans. I asked him if he still wanted to do that rebalancing and he said "Nah I'm more focused on fixing that scratch on my car rim today. Maybe tomorrow." I fucking envy this man.

Affectionate_Run3921

Just buy VTI or VOO, or VT if you want some international. Buy what you can afford to whenever you can afford to. Always buy and never sell. Keep it a simple passive activity.

HolaMolaBola

A hedge should ideally be made up of section 1256 contracts like SPX index options or options on /ES futures. That way, if they do pay off, they are taxed 60% at the long-term rate regardless of holding period. Best practice would be to hold VOO (or in my case I prefer SPHQ) as a core position and then do your hedging around that. In a 50% selloff scenario you're proposing, you'd then monetize the hedge for a gain, and simultaneously tax-loss-harvest any VOO shares that are in loss position—swapping those shares for something like VTI which follows a different-enough index that avoids a wash sale. Same thing with writing calls. The good thing about writing SPY calls against my highly-appreciated shares of SPHQ is that there's no danger of me vacationing in Tahiti and getting news that my SPHQ shares were called away for a huge taxable gain. Instead, the worse that can happen is I get home to a portfolio that is simultaneously short SPY and long SPHQ. Good luck!

Gameboy69NoScope420

Yeah open a brokerage account with whatever brokerage you feel comfortable with. Do research on what to invest in. AI is a useful tool, not full proof but useful. Others will debate me I’m sure, but ETF’s like VOO, VTI are a good place to start. Some say to grab some bonds BND or something similar, and an international ETF like VXUS. Lower %’s. As I said. Do some research and don’t blindly throw your money into things.