VTI

AnselmoHatesFascists

VTI just went from about $341 to $311 from the end of Feb through end of March, that's your 10% drop right there. If you sold, you'd have missed this next leg up.

crazybutthole

You are missing that they (the ETF fund provider) is selling covered calls to pay you income. They are charging you fees - and eroding the QQQ underlying and you will "triggering a taxable event" every month when they send you distribution/dividend/ whatever you want to call it. You would be better off to buy 100+ shares of QQQ or VOO or VTI and sell the covered calls your self and avoid the fees. Or just own the shares and hold. In 5-7 years when you need income sell a share or two every time you need (xx) dollars.

tankmode

put half your portfolio in broad market index funds  like VTI or SPY ,  then the 20-30% in ~10 stocks  (2-3% position size)   the  the rest in short term treasuries

subfloorthrowaway

Index funds. VTI/VOO for US, VXUS for International. Or VT for both. Absolutely no need to be looking at 20 stocks.

Potential_Salt_5780

After a brief scan, you have way too many tech stocks especially very risky ones. If and when the market tanks you will be in a world of hurt. I would transition more towards VOO or VTI. If you like tech then QQQ. I was very heavy on tech as 95% of my portfolio was AAPL from 2007. I slowly sold over the past 3-4 years now more than half of my holdings are broad market ETFs. If you like trading then use like 5% of your portfolio to invest in high risk/reward stocks.

mavprotocol

I’m invested in total US and total world and they have been okay. Just VTI/VXUS and chill and you’ll beat a majority in the long run

HipOut

All you doom and gloomers want to cope meanwhile I’ll keep buying VTI and VXUS and holding six month emergency fund 🤷‍♂️

Due_Marsupial_969

I'm a few days late, but just wanna say that you did good. I don't use VTI, but ES and MES. Getting out with a scratch or breakeven when something doesn't feel right is a good trade. I've done very well in the last 2 months, but I've gotten out with as little as $168 on some trades only to watch the market rip. Better safe than sorry. I went against my gut and reality and stayed in after shorting the market with a few contracts. Now I'm over 100 points down and holding. Whether the US resume the killings again or not, this is a bad trade because I shouldn't have stayed waiting for a downward move.

cdude

Personally i'd go 100% VTI. If you want to diversify into international, split with VXUS. Drop all those dividends and income funds. I wouldn't be holding individual stocks if I wanted a "set and forget" approach but that's your risk to take.

Powerful-Orchid1270

Just curious on your thoughts on my portfolio. Always open to advice. So I have just over $16k in a private brokerage account and then about $36k in a 457 through my employer. The 457 is split 50/50 between a large cap fund and a target retirement date fund The $16k in my brokerage account is divided as follows: 22% FGRIX (fidelity growth and income fund) 20% SCHD 19% VTI 18% VIG 6% SCHG 6% VTWO 6% AMZN 3% SHOP I kind of prefer a “set it and forget it” approach and don’t necessarily want to worry about trying to buy and sell stocks at the right time. What do you guys think? Also, just for reference, I have about 20 years until I retire and put $350 in each of my accounts each month.

GatorBo69

I agree, this is the year that increases or creates generational wealth for a lot of people. AI and the Space sector are the two major growth areas with no true ceiling. That’s why I’ll never sell my original 2,000 shares of each VOO, VTI, SCHD and THTA that I’ve had for 4 years, obvs those share numbers are higher now bc of reinvested dividends. (THTA being the only one that I have had since April of last year when it dropped a good $6 a share bc of Trump’s tariffs but it’s an amazing monthly dividend stock) I’ve also started looking at unconventional and outside the box investment opportunities over 2 years ago. That’s how I got into Fundrise and had $50k turn into 3200 shares of VCX along with the max $10k preIPO I was offered to buy accounting for around 500 of unrestricted shares that I got lucky and put a limit sell of $500 on after the day 2 insane rally. I just wanted to get into SpaceX somehow other than DXYZ & XOVR. Wealthfront has been a fun experiment that I put $10,000 into and let it be ran by their AI and has produced a decent 9% return in 6 months time. I also have shares of preIPO companies Frontieras (a company I’m REALLY high on) and RadTech. Just always looking for “outside the box” opportunities that could pay off big down the road. Btw, off hour trading is down 1% already… I may be putting $20k in if it reaches 5% this week.

GatorBo69

I see a MASSIVE drop coming this week. Last Friday I sold all of my positions in AVGO 50%, Tesla 25%, and left the remaining 25% spread out equally in VOO, VTI, SCHD & THTA untouched. Along with the $100k I hold in physical precious metals 75% Silver 25% Gold; both in American Eagle coins, all of which I have no plan on selling ever and will pass down to my children. I sold on Friday right before close on AVGO and Tesla, not because I don’t believe in them, but bc we just hit RECORD highs across the board and I’ve been holding these companies for 4 years. As a 45 year old man, I now am holding onto $420k in cash in my 4.25% high yield savings account for the near future. I personally, see another massive drop coming but like everyone, we have NO fucking clue. One thing I have learned under the Trump administration is that he has manipulated the stock market more than any other President I have seen. I learned that lesson the hard way his first go around. And although I don’t like the guy, I have profited GREATLY off of his second term. Selling all of my crazy gains on April 1st of 2025.. I did miss this year’s peak bc of the war threw me off, but luckily I held strong with AVGO & Tesla through the nightmare drop to make another absolute killing. I will be sitting on this cash while slowly buying up certain value stocks either during this week or the next, or maybe waiting out the month. But I have learned to time Trump’s actions ridiculously well, and I admit gotten very lucky, that he has made me outperform my Fisher Investment portfolio, which is 70% of my total assets and they have been averaging an insane 25% annual return these past 4 years. I started with my $200k in cash about 3 years ago and have turned it into close to a million. And this was just my “play around money”. Make no mistake, I am CONVINCED that Trump has manipulated the stock market to make ridiculous sums of money for himself and those close to him. I don’t like the man, but I like what he’s done for me. Now, watch me be looking like an idiot while AVGO and Tesla continue to climb, but like any investor will say, never get greedy, especially when I saw over 1,000% gains over the past 4 years combined in these two companies. (Mainly AVGO when I got 2,000 shares at $40, and 500 shares of Tesla for $113) But if they stay strong then I’ll simply wait for them to eventually correlate so I can get back in, especially with AVGO. I already feel dumb for exiting what I personally feel is a massively undervalued stock. Tesla is way overvalued and volatile for me. Now I’m buying up RKLB & PL as I believe as being the #2 & #3 publicly traded Space companies, you’re going to see a big boost in their performances by proxy from SpaceX. Which SpaceX is another stock I will be getting heavy into only after a good month when it drops from the initial FOMO it receives.

simplequestions2make

“Any etf that has over 100 holdings. No primary international holdings. No options.” Qqq. Spy. Voo. VTI. Etc ..

Tricky_Let2806

It’s gambling if you’re a dummy. If you have paper hands and sell on a 5% dip, don’t even bother just go to the boggleheads sub lol. 20-30 years VTI and forget

Gourdon_Gekko

VTI diamond hand club

Qs9bxNKZ

Recognize you need to potentially do things like avoiding wash sales. This is why having a portfolio incorporating something like VTI and QQQ can help. You use them as the buffer for cashing out as you readjust the cost basis. Don’t bother if the gap is 10% or less in profit.

Antique-Traveler

But they were discussing it too though? Their suggestion "buy VT or VXUS/VTI" is the solution, no? Past that, it would be diversifying beyond just equities into bonds and other assets. If not, then can you actually suggest something instead of just shooting down every idea? Even if things are changing, what exactly are you suggesting?

Wide-Idea1592

I’m a 21m who’s had about a year of stock trading experience (SPX +20% so far), who would like some advice on my portfolio from some more advanced traders. I’m an American citizen currently paying through a pretty exclusive and expensive double major drama + international business program, and this is my college fund, so my purchases are somewhat short term. With that in mind I don’t do options trading since I can’t afford to lose the funds. Here’s what I own, and my rationale: 83.6k total in assets 7 shares SPY: Index Diversification from VOO and VTI, have held for about a year which has resulted in good profit. I probably would sell it and change for VOO at this point, but I don’t want to pay taxes on my gains yet. 34 shares GLD: I bought into GLD on the most recent dip because I wanted to diversify my portfolio. GLD essentially replaced the position of bonds in my portfolio. 21 shares VTI + 11 shares VOO: these are pretty self explanatory 37 shares CVX: I bought CVX at the beginning of the Iran crisis but never cashed in the gains (which I probably should have), so I’ve just decided to hold long term. 52 shares NFLX: Just added this to my portfolio Friday night since from what I can tell it got oversold after news of the co-founder leaving dropped. I have a sell order place for a as soon as the stock recovers back to 108. 2 shares DIA: same situation as SPY NVDA: this isn’t pictured because I don’t own any shares right now, but I had about 8k in NVDA I profit took at 201.80, and plan on buying back in around 185 when it dips again. I’m holding about 30k in cash with 3.5% APY on this Webull account as well for security. Also have a Roth IRA where I have 6k in VOO. That account is super long term. Any advice is welcome! Thanks!

IncidentSome4403

Then don’t buy the S&P 500, buy VT or VXUS/VTI.

Safe-Informal

For a vast majority of people, day trading stocks is gambling. For a small percentage of people, day trading is a well paying career. For a vast majority of people, playing poker in Vegas is gambling. For a small percentage of people, being a professional poker player is a well paying career. It is the tortoise/hare story. People want the fast money, so they buy high risk stocks. They may win big or lose big. Other people invest in VOO, VTI, or VT and let it sit for years or decades and become wealthy. They are playing the long game.

Miamiconnectionexo

maxing the roth and getting the full employer match is already a solid foundation at 36. with $25k in the hysa you probably have enough emergency fund covered, so putting extra into a brokerage account with VTI or VOO makes total sense for flexible long term growth.

Lakeview121

Not really. I hold QqqM,SPMO, SMH, SCHB and VTI. None have really exploded the same way as, say, Micron. The 1 year return on VOO was 34.9%. Still very good. I’m not saying these returns are sustainable.

jecanne

It happens. Just happened to me really when I bought ONDS. Bought it at $10/share, it tanked down to like high $7 and then now back up to $10. Don't beat yourself up too bad. Apparently Trump likes to attack world leaders on Saturday morning, so I've found. Have you thought about something less diversified than VTI, or do you just want that level of diversification?

jmhfsu

IRA limit for 2025 is $7500 for a 36 year old, so realistically is $625 per month. Any combo of VOO/VTI/VXUS/VWO is going to be fine. In my opinion, your Roth is a great place for growth, so maybe consider VONG. If you’re set on VTI, it’s also fine. You can’t go wrong with this strategy.

unanymous2288

VTI, VXUS, SCHD. Growth, international , dividends ,

Significant_Cat_8436

Have you not seen the other comments saying to buy the S&P/VTI and wait? There really isn't much to it.

WafflingToast

Dollar cost average everything into VTI. This market is nuts, so spread the risk out.

GhostSiX1Nine

* VTI (45%) → full U.S. market (clean foundation) * QQQM (20%) → growth + AI/tech dominance * VEA/VWO (15%) → global diversification * BND/VTIP (15%) → volatility control + income * VNQ (5%) →inflation + real asset exposure * SPRXX→ keeping cash here until I am tactically ready to buy I like this strategy; it works for me. * Simplified portfolio * Reduce overlap * Increased exposure to small/mid caps (via VTI)

Impossible-Work-5666

True. Well congrats on starting this early. You’ll do great. Just pick an ETF, like VTI or something similar and just be consistent

ubelblatt

TLDR: VTI or VOO and chill.

IdioticPrototype

VTI 'til I die. 

idobi

When you are young you can stand to take more risk. That said, consider investing a significant portion in an index fund like VOO or VTI.

Impossible-Work-5666

Bro start a Roth IRA and put your 300 into VTI every month and you’re set. Youre doing too much. If you max out your Roth every year and still have more money, then pick a few stocks. Not this many.

SkepticalInvestor21

You're right that concentration of wealth creates market distortions, but be careful about jumping into "manipulation-proof" alternatives without understanding the tradeoffs. Crypto markets, for example, often get pitched as decentralized solutions but actually have *worse* manipulation problems - lower liquidity means whales can move prices with smaller amounts, and there's basically zero regulation. I've seen plenty of people lose money chasing "fair" markets that turned out to be even more rigged. The reality is that broad market index funds (VTI, SPY) are actually pretty hard to manipulate because they represent thousands of companies. Individual stocks? Sure, those can get pushed around. But if you're worried about billionaire manipulation, ironically the "boring" diversified approach is your best protection - it's really hard to manipulate the entire S&P 500. Focus on what you can control: diversification, low fees, and not chasing whatever's trending on social media.

RisingPenguin

Im thinking of selling PLTR. I have 100 shares. I got it roughly at $30 per share and it’s at about 146. I don’t plan on buying any more. It’s not like I’ll get rich off of it. I’m still new to investing. I’m considering using that money by putting into VTI. I could also do options on PLTR? Should I sell or keep it in Pltr and if I sell does it make sense to put that money into VTI. Would appreciate advice

Ok-Goal-8767

VTI. Was debating when it was $90

asapdeze

We've all been there at some point (sold my palantir at 35-y3ah that still hurts), but you learn as you go. Ive found with VTI (and (VOO) that these are ETFs you wanna be in for the long term I.e retirement. Still, this market is so stupid, it doesn't even follow economic theory anymore and is so detached from fundamentals that im just drip feeding long term plays rather than starting any new positions.

wallix

I just patiently watched VTI in my IRA ebb and flow. Glad I didn’t spaz out. Pretty happy with the outcome.

Various_Couple_764

Many like real estate because it generates a steam of mostly inocome. But you also have to take care of maintenance issues taxes and mortgage payment or renter issues. So in general a lot of work. Now there is a way to generate monthly income without maintenance mortgage and renter issues issues . Dividend investing is simply investing and holding a fund that pays dividend. A Dividend is basically profit sharing for shareholders of a company The company pays out monthly or quarterly an equal ammount of cash to each shareholder. You don't to sell share or do anything. Some funds out there have been paying dividend for 40 years or more nonstop. What to o with the money issimplyPay taxes \\ and what to do with the money. for example for 100K invested in a fund paying 5% yield you would get 5K in cash a year. Some rivets the money and other use it to over bills and other expenses I like the ETF SPYI for this because it is tax efficient (you pay less in taxes on the dividends you recieve. And the yield is about 12%. Or you could invest in government bonds that currently pay about 3.6% yield. The other investment option is to simply invest in growth index ETF like VTI and build up aprotfolio that pays a dividend of 1 to 2% which is tiny. Because the dividend is so small taxes are not really a concern. But to get any money out of the investment you have to sell shares and you may have captial gain and pay taxes or you sell at a loss. Now you can only sell shares once.

TheBlackBaron

In taxable at least splitting VTI and VXUS allows for some foreign tax credit off VXUS, which VT wouldn't give. Better argument to use it in Roth but I'm a big fan of the Zero funds too so no harm there. Agreed about international though. 60/40 would be best, but at least do 70/30.

Bigglesworth85

You can just buy nbis on a pullback and set chil. If all goes right, will nbis will outperform VTI

One_Recognition_7659

I've held a small position in VTI, 75 shares, for 4 years and am up 145%. Wish I would have bought more but I am definitely not complaining about my return.

pDinci

Ciao a tutti, sono ignorante, qualcuno mi spiega perché se si entra alto in VTI e questo scende, poi quando si va in pari si esce?

SarcasticCough69

Conversely, I switched jobs in 2019 and had to put my 401k into my IRA right when Covid crashed the market. Great timing. I bought 1000 shares of VTI at $128 a share, and threw the rest on Palantir at like $12 a share. Quite happy I switched jobs. I retired 2 years ago, but not from those alone. I started investing in 1984 when you had to call a broker and mail checks to them. Etrade opened in 1998 and I started using them while still putting $150 a month into my IRA. Biggest difference with Fidelity was I could do it myself after 2000(?) without any fees. Time IN the market trumps everything when it comes to the ETF’s and the big stocks like MSFT, GOOG, AMZN, etc. I retired completely at 58.

bit_shuffle

Don't time the market if you aren't an experienced investor. Use "dollar cost averaging." Split your 80K into 3K blocks, and invest one 3K block a week over the next couple of years. Don't worry about the timing, just stay disciplined about investing every week. Instead of VTI, I suggest VOO, which is Vanguard's S&P500 fund.

KemShafu

Great lesson to learn. Set it and forget it is great. You got a loss. If you find yourself messing around with your investments, then just set aside 1000 a year and play with that with your side stocks. Having said that, look at VGRO and VIG to compare with VTI

Ornery_1004

Google + VTI + QQQ is all you need. Had them since 2005.

69420lmaokek

VTI is $350 rn You're acting like you've missed a massive rally, but in reality it's only been 4%

No-Path5236

Tried timing the market at $335? Like you tried to time VTI near its all time high? What

fiveohthreebee

why are you trying to day trade with VTI? that was your first mistake....

fusillade762

This cease fire and open straight situation could fall apart by Monday. Or Thursday. The market is very volatile. Here's what I would do. Put the majority of the money into a CD or treasury ladder and keep some liquid in a money market and start doing regular buys at an interval. Timing the market is very hard. Depending on your time horizon, time in the market will beat timing the market every time. You could go whole hog and just buy some broad ETF's like VTI, VOO. They will probably be all over in the next year or 3. The current US governance is erratic. How much long term damage is being done is unknown. But I think at some point the US will get back on more stable footing. I'm not a financial advisor, just a dude, for what its worth. Also, you managed to preserve your money and not lose it, so thats a feather in your cap, don't beat yourself up about it. FOMO is bad and panic is bad. Time in the market is king. If you have time you will make money. But you have to be able to be patient.

Ok_Entrepreneur_dbl

Why try to time the market? So many stories here like this. Play the market long. Are there periods of volatility - yes but that is when you buy more. Look at a five year chart of VTI. You bought and sold on opposite sides of the V. If you would have waited longer VTI sits at $351 Stop trading and trying to time the market. Try buying and holding! Buy more on dips and you will be much better off.

wild_b_cat

Don't try to time the market. It's a fool's game. Lots of people got out earlier this year when things looked shaky, and missed the recent upturn. Just to be clear: a crash is *absolutely* coming. But you don't know when, and neither does anyone else. Keep holding and regularly investing, and you'll get more ups than downs. That being said, if you have short-term goals such that a crash would hurt, you should be in more conservative investments anyway. If your goals are all long-term, just keep holding. I'd recommend more broad index funds: VTI, or even VT for international exposure, rather than trying to pick your own winners.

GarwayHFDS

How old are you? Not being sarcastic but I would have thought a stock like VTI is for long term and riding out the troughs. If you can stick it for 10 years, I think you'd be better off looking long term. If you want to "gamble" then decide how much you can afford to play with and try and choose a Sandisk or a Palantir. Trying to buy the dip can work but it is as much luck as skill for most of us mortals. Be a Tortoise, slow and steady wins the race. Sure Hares are more glamourous, but also a lot more susceptible to roadkill.

armhad

Then why did you sell? Or care about market swings when it’s all in VTI anyways? Even a 20% downturn on 80k would only be down 16k that’s barely 5% of your total worth and the market being down 20% would present a huge buying opportunity anyways

showmetheEBITDA

Do what most people with high net worths do: 1. Put as much money as you can into broad index funds (usually $VOO, $VTI, or $VT). Try not to ever touch it, no matter if the markets are red or green, until you retire or have enough to invest in yourself (i.e. buying a home, funding education, etc.) 2. In-line with point 2, keep enough cash on hand so that you never have to touch your index funds. Compounding is an exponential force and stopping it can be more costly than having low to negative real returning cash on-hand if you lose your job or life happens 3. With a small portion of your money (say 1-2% of NW), invest in individual stocks. My favorite is taking some speculative picks on unloved sectors. I've been following the markets for years and have found there's moments nearly every year where the street gets bearish on a sector of the market and throws out the baby with the bath water. This year to me, it seems like software. Making one good pick per year is plenty - no need to be a hero. If I fail, well, the S&P is still probably reaching or near all-time highs, so I'm good

Bulgy_Moose_ST

I once sold all VTI in Roth to buy puts. Lesson learned. Never again. This time I just bought each week during the drawdown

FuelHappy1660

Starting to think I maybe shouldn’t have sold all my VTI

Inner-Chemistry2576

You learn from your mistakes. You can never perfectly time the market when you’re ready to invest. Instead, you should buy during market dips, and each dip will be different from the last. However, you should never sell out, regardless of where you purchased your long-term investment, VTI. I was fortunate enough purchase a significant dip during the Ukraine invasion in April. But when will that happen again? But if it happens again I have some extra cash on the side that I can use to do it all over again.

drew-gen-x

New ATH's for $VTI (US), $VT (World plus US), and $VXUS (World ex US). Pick your flavor. Just don't be 100% in cash when all the world CB's and governments crank up those money printers to go Brrrrrrr

Actual_Efficiency_98

If you've invested in a solid etf like VTI, you've simply mis-timed the market. What will determine a loss vs a gain is when you pulled out. The market will go up, eventually.

drew-gen-x

This is a stock group; but retail shouldn't really be 100% in individual stocks. Think of your portfolio as building a house. You bought $VTI and $VXUS. I would rather time the bottom on those 2 than individual stocks b/c they are acting like the foundation and framework for your whole portfolio going forward.

StregaCagna

Right? I’m only holding a few thousand in cash (aside from my usual savings) on the chance the market falls rapidly after this upswing, but I at least bought enough VTI and VXUS on March 30th to be reaping some decent benefits at the moment. Out of individual stocks until everything calms down a little.

AnnaSmiled2

I would just buy back into VTI and set/forget.

ADynes

This might be the dumbest thing I've done but if we end green I'm selling all my VOO and VTI and putting it into cash over the weekend. My balls are tingling and that usually means mango is gonna tweet something dumb and ruin all this green.

Sagelllini

Or 3 years? [Look at the graph](https://testfol.io/?s=4bUnr8ZZWZR) VTI, with dividends reinvested, which is the way to evaluate an investment, return above 100 in April 2011, traded there for a while, had another hiccup, and by 2012 was above the 2008 levels. And all the [lost decade](https://testfol.io/?s=3qAMOem86Cj) talk ignores the stock market went up 5 times during the 1990's, and 2012 was substantally higher than 1/1/2000. No, people don't need bonds in their portfolios, so they don't need TDFs. The only thing bonds have done in the 2000's is returned .06% above inflation for the [constant investor.](https://testfol.io/?s=iUcZFO3lfIl)

zkwot

Hi all, I'm 30 living un the US. I make approximately 120k annually. My goal is retirement savings. I won't need the money until I retire and it will sit in the market until then. I don't want it to be super risky and loose it all but I still want a nice rate of return. My current holdings are VOO (about 15k), VTI ( about 5k), VXUS (few hundred dollars). There are no big expenses or debts expected. Do i continue to only put money into VOO or do I add to VXUS? I bought VTI as a kid and didn't know what I was doing. Will not be buying more. Any advice is appreciated. I don't want to sell anything or realize and gains just yet.

GatorBo69

Luckily you’re young enough to earn it all back AND MORE!! I started at 22 investing $500 a month, maxing out my Roth, and when I “made it” in my late 30’s I was investing up to $10k a month. Now I’m 45 and my portfolio is managed by Fisher Investments, WELL worth their amazing fee structure when they have given me 20% gains like clockwork, and even in 2020 and 2022 given me a nice 10% return. They manage about 70% of all my assets, but it’s substantial. The other 30% is split up evenly with $200k in a high yield savings account generating a SAFE 3.8% APY, $200k in physical precious metals (30% Gold Eagles/70% Silver Eagles that I started buying up 10 years ago when 1 silver piece was less than $10) that are literally in my safe and something I will pass on to my children $200k in my own Individual investment portfolio that I see if I can “Beat Fisher” with and I never can but it generates a modest 9-11% return $100k in Bitcoin, ETH, Solana $100k in “outside the box” investment opportunities like Fundrise which I had $50k in that turned into 3200 shares of VCX along with the max $10k purchase of unrestricted shares that I placed a limit sell at $500 and got 100% lucky with and made $250k, along with a Wealthfront AI “automated account”. You’re still VERY young!! But like one poster on here said you ARE gambling, and you need to RESET and get back to work investing $500 a month into VOO, QQQ, VTI, VT, SCHD, SPMO, just google the best ETFs to invest in. Do that until you’re 30 and let that shit continue to compound. Live a frugal life and try to up your monthly allotment to $1,000 per month. And lastly, looks at this as a tax harvesting moment where you will be able to use this loss over the next 10 years to deduct $1,500($3,000 if married) from your earnings. This was a lesson. You were doing the smart play but you got caught up on literally gambling. You’re fine, now get back to work and invest responsibly!! You got this!!! 🙌🏻💯

Proper-Print-9505

I'm 10 years from retirement and have done so well in recent years, I am choosing to sell to ensure I actually get to retire in 10 years. Sold all 1400 shares of AMD at 279 a few minutes ago. Proceeds going into VTI. Not cutting stocks, just moving to ETFs and less volatile names. It's still a form of fear, but it also helps me sleep.

Buck169

BND is down 0.4%, while VTI is up 2% YTD. But if we'd looked on March 30, VTI was down 6% YTD, while BND was down only 1.5%. Unfortunately they're not negatively correlated, but the bonds ARE showing lower volatility, which is supposed to be part of the appeal, right?

dansdansy

Buy VTI and VXUS on a routine and live your life. The rest of us read about this stuff and try to beat the market because it's fun and sometimes profitable.

Sagelllini

That's not what the analyzer is showing, at least for VTI. [10 years, VTI $1K Monthly](https://testfol.io/?s=eS8MtOC1tTa) That's $260K. [10 Years, $12K Annual](https://testfol.io/?s=imv1eV4rwSg) That's $275K. Most people accumulate via DCA in a 401K. But again, all evidence is to invest sooner rather than later.

InjuryEmbarrassed532

I’ve invested most of my money years ago, mostly VTI. Been rebalancing some into VXUS, but don’t have the stomach to make it a major part yet. I agree with you regarding the Dems…they put identity politics front and center, it’s the reason we have a gangster president now.

Gad_Seditious

Bought VTI at the bottom of the dip, feeling warm and fuzzy. `¯\_(ツ)_/¯`

drew-gen-x

I was planning on ignoring his ignorant, smart ass reply. I didn't even suggest buying $VXUS b/c the question asked was b/w $VT or $VTI. Based on what the original poster asked I suggested $VT. Now yes I do own $VXUS and its my largest position; but I also own $VT and if I am asked which of the 2 I'd recommend b/w $VTI and $VT it's $VT b/c 1, that's what I own ; and 2, if you are just buying 1 ETF why not get exposure to the US & World over just the US?? $VT is over 60% US stocks anyway as you mentioned above.

456M

>The person said "world stocks have outperformed US stocks for over 1 year now". Nope. [Since 1st January 2025, VTI is up 20.05% while VXUS is up 45.45%. That is over 1 year.](https://totalrealreturns.com/n/VXUS,VTI?start=2025-01-01&end=2026-04-14).

456M

>Don't listen to the above, that's not true. Do your own research. [1-Year Total Return - VTI up 31.25%, VXUS up 40.81%](https://totalrealreturns.com/n/VXUS,VTI?start=2025-04-14&end=2026-04-14) >Invest in what you want, but never bet against America. It's a great way to lose money. 63% of VT is allocated just to the US. How exactly is investing in it betting against America?

InclinationCompass

That’s what emergency funds for. You shouldn’t invest or trade that. I have 12 months of emergency fund. Every other dollar goes to VTI/VXUS.

aur3l1us

Would you guys recommend VT or VTI? I have a lump sum to put in and hoping to minimize risk. Thanks!

InternetSlave

Oh wonderful! VTI till I DIE. My 2nd largest holding.

Late-Band-151

1st pay off debt 2nd take 20% of what’s left and put it in HYSA or SGOV 3rd take 10% of the remainder in individual stocks 4th, dump the rest in 5 or six equal injections into VTI over the next few weeks/months depending on market conditions 5th watch rates like a hawk and refinance when you have the opportunity. DO NOT take any cash out when you refi.

wynveen

All time high for VTI

kinetic_honda

This is my opinion, don't put too much weight on it. I personally think most humans are capable of identifying a good company that provides a necessary product that people would otherwise not like to live without. The PROBLEM is that only a fraction of these people are capable of being PATIENT. Patience is really key to making a lot of money with individual companies. I'm talking about real wealth generation, not making a few thousand dollars and being overjoyed about that. For said wealth generation, patience is key. But the problem with patience is - you don't want to be stuck with a crap company that *may* deliver big, while a DCA method into a sexy index fund like VTI/VOO is chugging along and giving you 7-9% yoy when looking long term. There's beauty in such a simple DCA approach as well, sleep being one of them.

LanceX2

My Emergency fund is 100% SGOV. About a 12 month. I dip into it when market goes down. using sgov vs holding VTI ia dumb

wynveen

VTI and VT nearing all time highs. Paycheck DCA indeed

FINRAdude766

Multiple reasons. But I'd also like to point out that it's conventional wisdom at this point to recommended index funds like VOO or VTI. And for good reason.  I highly recommend you check out the boggle head subreddit. You'll learn alot about how to properly invest money.  One very important reason that I'll mention is that it’s basically built in diversification. If you buy the market (via VTI lets say) you will do as well as the market. If you buy individual stock you have an extremely high chance of underperforming the market. The majority of portfolio managers don't beat VOO. It's also 10 times easier to "VOO" and chill and not have to watch your accounts or individual stocks. 

Reiszecke

VOO VTI S&500 MSCI WD I’m a boglehead so I don’t really care about these temporary movements

Banned3rdTimesaCharm

Just put as much money as you can however you can. You said you’re in a high income bracket, max IRA, max 401k pre and post tax, anything else you don’t spend just dump into VTI or similar. You’re overthinking this whole thing.

amg-rx7

This! DCA is mostly for index or broad market ETFs like VOO and VTI. Not for stocks.

Same_Bag711

Well I maxed my ROTH a few weeks ago and put it all in GOOG and that’s gone up a decent amount in the last week. I’m mainly invested in VTI, NBIS, CHPY, and AVUV.

derprondo

One of my accounts is 100% VTI, 55% of my gains for this year are from today alone.

Careful-One5190

Forget those "business" ideas. It's obvious you could make 6% on that money by paying down the mortgage. You could put it into an S&P 500 index fund and PROBABLY double your money in 8 years. That's obviously not a guarantee, so keep that in mind. We could have a recession and you could actually be down, right at the time that you need the money. Typically the "VTI and chill" philosophy is valid for longer time frames, but is risky with only 8 years to work with. The safest route is SGOV which would only yield 3.5-4%, but is basically risk free. It's probably the best place to "stash cash" that you might need quickly, but earn a fair yield until then. It's also a great choice for your 6-12 month emergency fund.

Available-Mine3957

It’s up 1 percent today. That’s not going to make a difference in the long run. If you want to stay in VTI, just buy it again. Pretty low consequence mistake

EmbarrassedTale9326

Starting at 20 with a 401k match is a massive head start. Since you have 5k ready, I'd suggest looking into a Roth IRA alongside your 401k. For learning the ropes, check out the Bogleheads wiki or the Investopedia guide for beginners. It's usually best to stick with low-cost index funds like VOO or VTI while you're still learning. Don't rush into individual stocks until you understand how to read a balance sheet.

RogerBalderer

My returns on VXUS are double my VTI returns.

drew-gen-x

I think you have that backwards. $VXUS + 9.6% YTD. $VTI +2.1% YTD. World ex US has outperformed World plus US for over a year now. It's the DXY devaluation trade. Inflation is worse in the USA than most other countries due to USA leading the world in money printing goes Brrrrrrrrrrrrrrrr

InjuryEmbarrassed532

VTI ahead of VXUS YTD…

MJinMN

They don’t manage it differently. It is the same basket of stocks with the same exposures as the index it tracks. There isn’t a substantial difference. If you want to harvest the tax loss, sell a 500 index fund (VOO) and buy a total market index fund like VTI. Those are similar but different.

InternetSlave

Continued to DCA into VTI

jonnno_

IRS says they must be “substantially different”. I’m not a financial adviser or tax lawyer, but in practice I interpret this to mean that two funds different indices are OK, two funds of the same index issued by different fund managers are probably OK, but two funds of the same index and issuer but different classes (eg. VTI and VTSAX are probably not OK.