VTI
Vanguard Total Stock Market Index Fund ETF Shares
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Ever since I was a child I wanted to generate uncorrelated alpha on a highly levered portfolio. Here’s how that’s going
Moving $1M+ VTSAX from Vanguard to Fidelity. Any regrets?
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23M, just started investing. Is VTI really the best strategy, or am I missing out on better growth?
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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?
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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?
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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?
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used to dread rebalancing day, now it runs overnight
Mentions
There are two basic types of Vanguard funds. One is good to invest at Fidelity. They other is bad. ETFs from anyone are fine to invest at Fidelity. They trade like stock with no fees\*. VTI, VT, VXUS are examples. I don't know the equivalent Fidelity names for these. The other fund type is mutual funds. If you buy third party mutual funds at Fidelity that are not on their No Transaction Fee list you will pay a $75 fee per purchase transaction. That includes for dividend reinvestment purchases. I don't see any Vanguard mut funds on the NTF list. \* There is a very small fee to sell ETFs: **Regulatory Fees:** Small mandatory exchange pass-through fees (such as SEC activity assessment fees, roughly $0.01 to $0.03 per $1,000 of principal) apply when you sell securities
To answer your question. No one knows. My recommendation though for anyone starting out is VTI, VXUS for 95% of your investment. The last 5% you can play around with on individual stocks. The important thing though is to manage emotions. Once you put money into VTI or VXUS, "YOU DON'T TOUCH IT." The goal is retirement and the best plan for many people is slow and steady. It's boring but it works. And if you want to chase the dopamine that's what the 5% is for. That's for your emotional moments.
I've heard this! Not that I sound like the guy but that VTI is a worthy investment 😅
You sound like the guy who should only buy VTI and nothing else.
Just had a poor chap ask me for investment advice. Told him to VTI and chill.
Park it in ETF’s like VOO and VTI. One trade to buy and another to sell later in life. You’ll be one of the more successful traders out there.
VTI or VOO for life! Carry some dry powder when market drops so you can deploy cash
Idk why some peoples are bashing about having a SPY LEAPs or any kind of LEAPs. If I think we will be visiting and testing the previous 52 weeks ATH, I usually buy at that strike price for a 2 or 3 years LEAPs. If you don't have the capital to do LEAPs on SPY or QQQ. You can try on other safe ETF like VTI, VTG, SPYM, QQQM, etc.... It's just that the bid-ask spread is a huge gap. If you think we dip so that you can swing trade and buying 2 or 3 years LEAPs is justified, buy with the vibe and forget the technical like delta. Buy your strike at the previous ATH or buy a 0.85+ Delta
I had $4k of cash I was holding after selling most of my VTI/VXUS in August at the ATH. Spent way too much of it this past week on “good opportunities” and only have $1100 left. No idea what to buy with it at this point or if I should keep waiting for a better deal.
I'm a new investor. The going matra in terms of investing has always been to invest in ETFs, primarily in VT (rather than VOO or VTI) because they are less risky and they are diversed. I looked at yesterday and they're just as down as VOO or VTI albeit VT got better 0.25 points. What the hell am I missing? VT was suppose to be the one protecting me but they're almost identical
i think you’re overcomplicating it, and since it sounds like you’re relatively novice at this, go safer and buy the furthest out dte you can afford at 0.8 delta. if cost of entry is a barrier, then try VTI/SPYM that have lower prices than SPY.
You have only yourself to blame for this. I am down 40% although they are all leveraged etfs and stocks. But i am not selling. I know every politician is corrupt and they have incentive to keep the market up. So market can't stay low long. If you panic sell then don't invest in market or just buy VOO, VTI
*laughing in 3mm in $VTI* Don't worry, I'm hoping AMD and GOOG LEAPS too fucktards
$SNDK is somewhere there too. The only stock in a while I chose to get quick gains. Shoulda stuck to VTI
VT and VTI both down, pretty much same as the rest. US economy is so dominant it hits every other market if something happens
I’m with Nelly and suggest VTI, maybe buy $25k TOMORROW and then set up automatic investments every month to invest the rest as market may continue downward for a bit with election after math uncertainty (my opinion) no one knows. Good luck
Trump sucks ass but half a year ain’t a few weeks my brotha. Not saying this is due to midterms, but acting like a 4% downward move on VTI is “political bullshit” is silly. Hell we talked more shit during President Dumps initial tariffs and market still recovered. You can be right in sentiment but your citation is retarded
Blindly buying VTI is the most relaxing way to live, I swear (unless your 60 and close to retirement). Boys if you can’t budget even $100 a month for this, figure your shit out
Buying VTI as usual sir 🫡
Why? Retirement is long and those returns are important for longevity risk. If SORR is your concern, then there are far better (and academically supported) ways to prepare for that. Besides, VT or VTI don't have worse drawdowns than dividend funds anyway.
Yes if it wasn’t for growth we would not be growing lol Yes it’s been curtailed - we had a red day VTI up 8 percent YTD VOO up 7.5 percent YTD
If you're looking for low risk with that kind of horizon, it's VTI and chill.
And had you bought VTI and stfu, where would you be? Lol. Yeah.
Excited looking at today. Buy low sell high. Put 2500 in VOO (I know very boring) and am planning to put another 2500 in VTI or some other etf tomorrow.
\> 55% VOO 10% VXF Why on earth people do this instead of just VTI... You haven't told us if this prospective holding is in a tax advantaged retirement account, or an ordinary taxable brokerage. It makes a difference. US stock dividend funds are for retired people in a taxable account, because of their favorable tax treatment, i.e. qualified dividends are taxed as if they were Long Term Capital Gains. That is their only quantifiable advantage. They also might be sought out to counterbalance high flying growth stocks, even in a retirement account, although a solid "value" fund like OAKMX might be a better choice.
Organically is VOO or VTI and chill. Everything else has too much speculative markets
> But I see VGT as a similar VGT is not similar to those, but you're free to do whatever you want. Even VOO is only 40% tech, you're missing out on a lot of sectors. VGT can be added to VT/VTI (even VOO)+ VXUS if you want to be more aggressive with tech, but it should not replace the US allocation.
I’m glad I listened to the little voice that told me to sell VTI at 382 in October. My cash sitting fine in SGOV I was only down 0.5% today.
VTI and VOO are pretty chill. Slow growing but always growing.
If you are young and want long term growth just go VTI and VXUS. Dividend stocks are extremely useful to manage shorter term income and volatility. But for a set and forget 30 year horizon it won't make a difference. Just dca into VTI / VXUS what you can when you can and don't think about it much. r/bogleheads is a good resource for this.
Put 20k into VTI at close am I regarded
Picked up some VTI, boring I know.
VOO is simply the S&P500 so you have not only single country risk but you don't even own the entire market within that single country. VT gives you full global market cap weighed diversification that automatically rebalances in realtime. Is VT more expensive? Yes, you'll pay $3 USD per $1,000 more in fees. You also lose the international tax benefit of splitting international and domestic holdings. If you want to save a portion of that extra $3 and gain back the international tax advantages, you can go with VTI and VXUS but you'll lose the automatic rebalancing. For me, VT clearly wins.
VTI, international markets aren’t good investments
Eh, not super great considering we were already down quite a bit from ATH and the Boglehead philosophy has you adding at regular intervals - so I was sometimes buying lots of VTI at $384. Since I only made the switch to Bogleheads in those portfolios a year ago, it’s not like I have decades of lower prices to help keep my Avg. price low. I’m only at $340 in one portfolio, for instance, so I’m sitting here debating setting a limit order for that one at $350. We’ll see what happens.
I bet some 30% of 401k holders don’t know what an etf is and have the default VTI/VT/bond split based on their age when they started it
Note that with options there is a spread which means that there might not be a buyer at the price that it shows you. In general, short term date to expire options almost always lose money. It is very easy to get caught chasing your losses and lose everything. With options, there are easily some cases out there where you could pick either side of a trade and still lose money. Never risk more than you are willing to let go to 0 and a vast majority of your net worth should be in VTI or VOO. Like 90%.
Not sure how you can say that at this point. They clearly go hand and hand. Ever hear of VTI? The total market index of large, mid, and small cap? Yeah it’s basically a direct representation of the US economy
What the fuck man. Just dca VTI and that's it.
VTI and a sprinkle of MU
I dropped $7500 yesterday into my wifes Roth IRA and put it all in VTI.....already a loser.
My VTI crushed but my individual stocks doing ok. Weird day.
Should I buy VTI today with money I'm going to put in my IRA next year
VTI has no much overlap with VOO they are both down 3.79% at the moment.
All the QQQ bros in shambles VTI and chill is the way
Does anyone have some thoughts on stocks that might be worth keeping an eye on during this dip that are completely outside of the tech industries? Like most investors, my portfolio is tech-heavy even where it's unintentional - like the major indexes themselves. VTI is my primary holding, which tech dominates. I'm wondering if anyone has some favorites to watch. I fully expect tech to always bounce back and continue being a dominant force forever because it's just integral to the modern world, but tech is very broad and we've all long been waiting for the AI hype specifically to die down, so we'll see. But I'd like to have some investments away from all that as well, yet I find it hard to escape its sphere of influence.
Absolutely. CAT, BE, SMH, SCXH, VTI
You regards wouldn’t be freaking out if you just bought VTI 🤣
Yeah, I have VTI and BKNY Mellon and both were down 3-4% when I checked. I've had them for over 18 months and never seen them drop this much. Maybe 2.5%.
Only just barely and by comparison. They're not shooting up. They're doing a much better job of not being sold off. Even the major "stable ETFs" are seeing insane drops. I was looking at VTI and VXUS this morning and they were down \~3% or more just during morning trading. That is a wild drop for those funds in such a short amount of time.
Buy VTI and go for a walk, don’t try to trade individual stuff
Luckily, I sold all my RSUs for cash over a month ago. Just bought some more VTI, might’ve jumped the gun but too good of a daily discount not to. Sitting on a good bit more cash, would love to average down on DRAM but not feeling bold enough right now
This is why index funds are king, folks. And yeah, I’m talking to myself. My options gambling this year set me back below where I would have been if I just invested in VTI and VGT 2 years ago.
I have no money for my bi weekly buy until next week. I activate margin investing for these dips specifically. VTI for the win!!
I just bought some VTI and a few more shares of NBIS
Tank > look inside > VTI up 10% 1Y, 51.5% 5Y. Hope this helps!
If you bought w/in the last 3 months you shouldn't be investing in stocks, just buy VTI and some bond etfs and stfu forever you fucking retarded moron
VTI. Set it and forget it. Add to it regularly when able.
Sell everything you have - even the ones you expect to go up tomorrow. Put it all in VTI. Keep buying more VTI with every check, and a year from now, this’ll be a free lesson learned. In 10 years, it’ll be a small blip in your progress. Way less stressful, too.
just sold 15 shares of SNDK at a whopping $8K loss to buy VTI
Wow I mostly just VTI and chill so I had no idea SOXL was down from $300+ to $60 Been a couple of brutal months for the AI trade
You didn’t mention if you are still working or what your annual income is, but if your income is on the lower side, you could funnel your entire paycheck into your 401k as Traditional IRA, then you could sell enough of your capital gains to bring your total income after standard deduction up to the $49,450 (if single) or $98,900 (if married-joint), and you will pay 0% capital gains. You could even withdraw some of the sold capital gains and put it in an external Traditional IRA ($7500 under age 50; $8600 over age 50), so you can realize even more capital gains at 0%. I have been doing this for my girlfriend for the last 5 years. The money being funneled into her 401k is being invested in an aggressive ETF like VOO, or VTI, or MTUM to diversify what was previously wayyyyyyy to much money in one stock that did really well over the last 20 years. And she typically pays $0 federal tax as well.
This is gonna sound like an old guy, but this is why I decided to build my port like building a house. I am also big into the AI trade, but I decided to go w/ more index ETF's. I believe the AI trade isn't dead; but we are going to have sector rotations from time to time that are gonna feel like you got kicked in the balls. I have 75% of my port b/w $VT which I consider my foundation and $VXUS which is my support. I have 15% in the Pacific Asian semi heavy ETFs such as $EWJ, $VPL, and $EWY. I consider that 15% as building my garage. Than I have another 10% in speculative stocks. I consider that 10% as my deck. You need to build your portfolio's foundation and support first. And I am gambling heavily here with a very heavy World ex US port since I believe international stocks will outperform US stocks during this AI data center buildout due to the SK hynix, TSM, Samsung, ASML, etc of the world being heavily weighted in $VXUS and $VT compared to US indices such as $VTI or $VOO. And my port hasn't been fun to look at for the last 2 months. I don't know what you own; but it sounds like you are also an AI riverboat gambler so I'd look at putting new money into building a position in $VT. One huge mistake that I have made in the past is feeling like I had to continue to BTD in the same stocks to make sure I bought the bottom. The problem is we have no idea where the bottom is. It's better to put new money towards a foundation like $VT, $VTI, or $VXUS. If you are right all those stock positions you already own will eventually rebound anyway. But you don't want to get wiped out during these brutal sector rotations by continuing to BTD in the same stocks. It's possible they all rebound tomorrow. But it's also possible they all don't hit their bottoms until a year from now. I would bet on the rebound being sooner rather than later, but I can't guarantee that. Sorry for my long reply.
OK, I'll bite. A - "You bet". You didn't invest, you didn't do research, you didn't diversify, you didn't zoom out and look at the rest of the real world economy. You were gambling. B - I worked around Data Centers before anyone else had ever heard of them. Data Centers aren't going anywhere. You can't type a Reddit post, pump gas into your car, log into your bank, pay your insurance bill, shop at Target, or text your Mom without Data Centers. The difference now is there's probably going to be some regulation and oversight on Data Center construction, environmental impacts, regulated utility involvement, financing, and the unchecked greed and corruption that has been happening for the last 10 years or so. And I say that as someone who \*fully\* supports the need for data centers, but knows we need said regulation and oversight. There's also going to probably some changes at the SEC and some investigations into some shenanigans, and this circular financing and hoopla is probably coming to an end. C - You sold some stocks at a 25% loss. That was foolish - only you can know if your foolishness was on the buy side, the sell side, improper risk management, or D) all of the above. I'll use VRT as the example cuz it looks like it had a bit of a wild day. I'm not currently in it, but if I had not been going through cancer treatment when they went public, I would have taken out a second mortgage to invest, and done quite well. If you sold today, that means you probably bought in around $276 - so April 2026, August 2026, or last Thursday. VRT ain't going anwywhere bro, and neither are Data Centers. Are companies being revalued right now? Absolutely. Does that happen across various sectors from time to time? Absolutely. Could this bounce back next week? Yep. Could we all take a step back and realize we can't eat microchips for breakfast and mop the floors with semiconductors? Yep. I challenge you to step outside of whatever building you're in right now. Look around at the rest of what's happening out there. There's a lot happening out there. Christ, look in your fridge and under your kitchen sink. There's like 10 companies right there you can invest in. What do you do for work? What publicly traded companies do you deal with every day? Which ones do you like and think are doing good things? What car do you drive? What services do you use every day that you think are being innovative enough to grow substantially over the next 10 years? If you can't do any of that, I suggest the one piece of advice I can't stand. And that is to take the remaining 70% of your money and put it in a broad ETF (like VTI or SPY) and don't look at it again for 20 years.
I have both Van and Fid accounts for various reasons. Fidelity customer service is excellent. I seem to call customer service a few times a year to help with rollovers, shared accounts, etc. I wouldn’t hesitate to convert to VTI in Vanguard (if it’s truly a non-taxable move) then move it to Fidelity.
I’m just hoping with the midterms behind us we can go back to talking about why VOO is better than VTI.
Invest mostly in VOO, VTI, QQQM, VT every month no matter whether you think market is good or bad. No matter what the news says. And you will be better off than 90% investors
Dump VTI and throw it in FXAIX
Schwab's own 'Schwab Target Index Funds' page is a good starting point: [https://www.schwabassetmanagement.com/products/stir](https://www.schwabassetmanagement.com/products/stir) They aren't objectively better than every DIY portfolio. The useful difference is automatic asset allocation: they hold a mix of stock and bond funds and adjust that mix along a published glide path. VTI plus QQQM isn't the same stock/bond allocation, so comparing recent returns alone wouldn't answer which approach fits you. Before choosing, compare the current allocation, how it changes before and after retirement, and the total fund expenses. Also ask whether your advisor's 1% is only for managing the investments or includes planning services you actually use. The fee and the value of those services are separate questions. A target date is a starting point for checking fit, not a guarantee of retirement income.
I know. I initially thought I'd like putting money in there over VTI because of the lower expense ratio but realized quickly I didn't like the nature of an index fund vs an etf like VTI/VOO. Left the money in because why would I take it out and pay capital gains lol
Yes, Very boring Ports. Take your Brokerage VTI & VXUS, I'm sure your doing that 'Diversification' thingy. You need un-correlated funds to achieve Max profit AND to lesson your Drawdowns. Now a little 5 year backtest of 60%VTI/40%VXUS or 40% Un-correlated fund. 60% VTI + 40% VXUS = $15,862 CAGR 6.96% Max Drawdown -27% Avg DD -6.85% Uncorrelated Fund(annual or QTR re-balance) 60% VTI + 40% Un-C= $22,142 CAGR 17.22% Max DD -18.5% Avg DD -3.4% More than Doubles Return/CAGR, 1/2 Drawdowns, Dbl Sharpe ratio. Make +10-20% in 2022 instead of losing -20% with VTI/VXUS. Energy/oil will reverse during certain economic times, gotta follow it but has been a Lottery ticket for this decade.
Indeed you are. I misunderstood. OP could move VTSAX and then just buy VTI moving forward.
Oh, good to know! I have a schwab account. I'll probably look into the time date you mentioned and probably personal invest into VTI as well. Thanks a ton :)
It's one fund that holds a stock and bond mix and slowly gets safer as you get closer to retirement. Vanguard, Fidelity and Schwab all have them, you just pick the one with the year closest to when you turn 65. At 35 VTI alone is honestly fine too. QQQM is mostly a tech bet, I'd keep that part small.
Yeah your points makes sense. I know VTI / VXUS hold literally thousands of companies( I promise, not just blindly investing what everyone says to do). So I guess I didn’t even think about it that way which I definitely should have been. As for the house account yeah! I think I edited the body to show the NOW current holding (75% SGOV, 25% VT, 5% SPMO) so pretty aligned with your recommendation! Thank you for the feedback.
Holy crap that's expensive. I have never heard of a target date fund. Can you point me in the right direction to learn about those? Are they objectively better than just pumping everything into VTI and QQQM or something similar?
So do a TOA so you aren’t getting a capital gains got and then moving forward buy VTI. Idk why I’m getting downvoted for being right
I think maybe he could move it in-kind, but couldn't buy any more without a fee at Fidelity, whereas VTI can be bought/sold there with 0 transaction cost.
This is where you need to zoom out and then you realize this roller coaster isn't really that scary. As long as all the world's governments and CB's continue to turn on those money printers to go Brrrrrrrrrrr stocks indices will go up long term. Now individual stock names can be very scary if you bet the farm on AT&T or Intel instead of $VTI or $VT.
The fee difference is a rounding error next to the one mistake that actually costs money here. VTSAX is 0.04% and VTI is 0.03% per Vanguard's April 2026 prospectus. On $1M that's about $100 a year. Now say your basis is $400k. If any step gets processed as a sale, that's $600k of realized gains, roughly $90k at the 15% federal rate before state tax and possibly the 3.8% NIIT. That's like 900 years of fee savings. So order matters. Convert the share class at Vanguard first (tax free, one way only), then move the VTI shares in kind through an ACATS transfer. Don't sell anything to "switch".
Fidelity is worth moving to, assuming it’s a tax free conversion to VTI. Their platform is easy to use, is as proven as vanguard, and has every feature a buy and hold investor could need.
It's a fallacy to think your eggs are all in one or two baskets because you use the same couple of ETFs in all your accounts. VTI and VXUS each hold thousands of individual companies. That's the point of those funds - you get a diverse basket of US and international stocks without having to manage an extremely complex portfolio. It also doesn't make sense to worry about using the same funds in multiple accounts. You have different account types for the tax advantages, not for different investment strategies. Just think of it as one big bucket of assets you're holding for long-term appreciation with some percentage in US stocks and some in international stocks. When you think of it this way then yeah, you'll more or less have the same allocation mirrored in all your different accounts. Imo that's a good thing since it makes it easy to see the big picture. A portfolio with 30 or 40 different ETFs spread over a dozen accounts is a fucking nightmare. The one exception is the house down payment. Imo it's too risky to put this money in stocks 7-10 years out. You want that money to be there when you're ready to buy. Maybe you could hold 20-25% in stocks and the rest in SGOV, then gradually move the stock sleeve to SGOV as you get closer to the purchase.
The important thing is basically everyone should make the conversion from VTSAX to VTI now since this can be done tax free now, while the future ability to do that is unknown. Fidelity versus Vanguard versus another broker is just personal preference.
Their customer service is lacking because you are exactly the type of person they want. 1 mutual fund, buy and hold and that's all. What would you need help with ever? But if you want to, you can. Make sure they still do the tax free conversion from VTSAX to VTI before you move it. Otherwise you absolutely don't want to be taxed on that conversion/move. I moved my Rollover IRA to Fidelity from Vanguard, but that's because I had my HSA, 401K, and taxable brokerage at Fidelity
No you can’t. He needs to move to VTI first and then out
This. Convert to VTI first and then transfer elsewhere.
You can convert VTSAX to VTI tax-free on Vanguard. VTI is the ETF equivalent of the VTSAX mutual fund.
Honestly the house fund is the one id actually change. 55% VTI plus 20% VXUS is a lot of stock risk for money you might need in 7 years, and VGT on top of that just doubles down on the same bet. imo keeping most of that in SGOV and letting the retirement accounts do the heavy lifting makes more sense than trying to make all four portfolios look different.
But the baskets are made up of diversified companies, so I don't think it hurts to do it that way. I own VTI too.
And VOO/VTI are what 3% off their ATH? Thats still means they are almost near their ATHs People act like we are in the middle of a crash
Sure, VTI is another way to go if you want less exposure to the mag 7 but "VTI and chill" doesn't roll off the tongue as nicely in my view.
Bro, if you bought VTI, COO, SPY, or QQQ in early to mid-May, hell even late April, you are now at 0%-1% gain after over 5 months.🤌🤌😂