VTI
Vanguard Total Stock Market Index Fund ETF Shares
Mentions (24Hr)
20.00% Today
Reddit Posts
used to dread rebalancing day, now it runs overnight
PSA: Don't be a bag holder for SpaceX and AI companies
Investing Opinions for Recent Grad with little student debt
Built my first Roth IRA portfolio in my 20's - here's my 6 ETF allocation and the reasoning behind each pick
place for stock picks that are not used for calls or puts? Higher risk growth picks?
Funds like VT that don't have the typical index problems
Choosing VTI over VOO has cost me about $44,000.00 over the past 6 years
Small business owner here, looking for investing advice from people further ahead than me
27M, with a little over 100K on bank MMA Account, what next?
feels crazy to buy stocks that are over 4x higher than when i first invested, not sure what to do
Is there a downside of using CSPs to acquire ETFs I want to hold long term?
Roth or Brokerage for individual holdings - what is best?
If someone is worth one million dollars, how much $VOO and $VTI should they own? What if they're worth *two* million; how much then?
Is holding energy ETFs or individual stocks worth it?
Edward Jones advisor wants me to invest with him instead of on my own.
You can do it! You can always recover! VTI & chill + buying dips
VTI averaging 20% per year; am I looking at this correctly?
Any recommendations or input on my portfolio structure?
Help me re-balance my portfolio: 31F, single, hoping to buy a home in VHCOL area in near future but also work as little as possible?
85/15 VTI & VXUS in brokerage, 85/15 FZROX & FZILX in roth ira
The mental relief of finally admitting I suck at stock picking
Rate my 100k by graduation plan at plan 18 years old
Made a stupid mistake with the market and not sure what to do now
How much of your portfolio do you actually keep in 'satellite' positions?
Any tax implications/forced sale if/when a massive company gets absorbed into VT/VTI?
What % of your portfolio is individual stock vs ETF?
Avoid fast track IPO’s while keeping broad passive strategy?
Still going all-in on S&P 500 with new money, or diversifying more in 2026?
Have another $200K to invest in. Should I put another $100k all in VTI right now?
Is anyone still just dumping new money straight into S&P 500 in 2026?
With the OpenAi and SpaceX Scam Rules, What ETFs can I buy instead of QQQM?
Any specific ratio to set up recurring investment for Roth IRA long term?
What’s the reason not to just go QQQM rather than VTI/VOO etc. when looking at long term ETF holds?
Unsure how to balance risk after maxing retirement accounts
20 year retirement goal. Continue investing in stocks or buy a house?
Short portfolio analysis with positions
Rethinking Dividend vs Total Return Strategies in Your 20s and 30s
VTI vs AGTHX? What would you choose for Roth IRA
Non-US resident. Alternatives for US ETFs for 5 to 10 years’ investment period.
Rate my ROTH IRA Investments
How do you realistically shield a $800k portfolio from 30%+ crashes without killing your 7% average returns?
Why don't more people talk about and invest in indexes built by academics and economists with decades of data behind them ?
Mentions
They are coping they missed out on massive gains and held VTI 😂
I like ETFs that cover sectors that I’m bullish on (medium to long term) and can’t pick 1 stock out of it. I’m currently rocking:- SMH - semiconductor etf IVLU - international developed FIDU - industrials VDE - energy / O&G I used to believe in the VT / VTI thing until they became incredibly lopsided, so I moved to more focused ETFs. Energy ETF will remain for a couple years as Iran shithousery will take years to work its way through (rebuilding extraction/processing infrastructure as well as restocking strategic reserves — likely to a higher level than previously), as well as sustained increased demand from data centers.
This 100%. Ok, 99%. I prefer VTI and chill 😉
Since you’re new to the market, I’d also recommend what another commenter said and open a Roth IRA. Every major broker has one from Robinhood to Schwab. You won’t pay taxes on anything unless you withdraw money from it and you can contribute 7.5k/yr. Keep it safe and do a split of SPY/VTI/VOO and maybe ~10% in high growth sectors like Space, AI, and other Tech stocks. Almost everything has an ETF associated with it, but with a small percentage of the account, I’d say pick individual names with that allocation of funds. As you learn more about the market, I feel you can be a bit more aggressive and park money in individual names like META, MRVL, GOOGL, etc. also as you become more interested, I’d say you’d also be safe to invest in names you use everyday or companies you truly believe in. A huge tip I learned early on is “time in the market beats timing the market.” Just stay informed on what you’re investing in, make your contributions, and don’t let red days scare you (those are the best days to buy). Good luck!
I’m 33 years old and currently have about $100k in SGOV. I feel like I may have missed out on market gains over the last few years by keeping too much in cash/T-bill-like holdings in my taxable account. For background: I already max out my 401(k) and Roth IRA. I also have an inherited taxable account that is mostly invested in tech stocks, ETFs, and oil ($150k position in google and $100k in XOM for example). On top of that, I currently DCA about $200 per week into SPY and FTEC. The $100k in SGOV was originally intended to be used as home down payment money. However, buying a home has become difficult to commit to because my job, while stable, changes my location every few months. I’m also helping care for elderly family, which takes up time, and I’m currently still able to live with my parents. Given all of that, I’m considering investing half of the SGOV balance. My current idea is: * Move $50k into VTI * Invest it gradually in $5k weekly increments over 10 weeks * Keep the remaining $50k in SGOV * Continue my regular weekly DCA into SPY and FTEC and or change SPY for VTI after I commit. Does this seem like a reasonable approach given my situation, or am I still being too conservative/aggressive considering this money was originally earmarked for a potential home down payment?
VTI for me but yeah pretty much
The order of operations for investing are: - Emergency saving up to 3 months of your routine expenses. Use a HYSA with 3% interest or higher currently. Alternative option in states with high taxes (California and NY state) are treasury Money market funds or Treasury ETFs (SGOV or VBIL). - Try to max out a Roth IRA if you are working and earn less than $153k in 2026. The max contribution is $7,500 for 2026 according to the IRS. Within in the Roth IRA, invest into ETFs. For ETFs only use SoFI, Fidelity, or Vanguard. With those brokers, you can invest into VTI and VGT. VTI is your core fund that covers the Total USA stock market. Make this 70% of your allocation. VGT is a sector fund covering information technology area. VGT has great returns over the past 10 years, but is limited to a sector. 30% allocation is fine. - Anything extra, put it into a taxable brokerage account. Buy the same ETFs. This is also the type of account to buy Treasury ETFs like SGOV or VBIL.
VOO tracks the S&P 500, which has specific inclusion rules like a 12-month seasoning period and four quarters of profitability. Because SpaceX will likely not meet these initially, S&P 500 funds are expected to absorb the stock roughly 6 to 12 months after its public debut. By contrast, total market funds tracking the CRSP US Total Market Index (like VTI) and FTSE indices will likely add the stock within just days of its IPO
Max Roth IRA. Put 100k in VTI. Keep 60k in HYSA for emergencies.
Which is hilarious that people are suddenly trying to exclude a single stock from their VTI exposure. The entire rationale is to not try to be smarter than the market. Yet they are trying to do just that.
VTI is everything and once the float increases we all have to buy this shit.
VTI that fast is actually interesting. Didn’t expect that timeline tbh. VOO taking months feels slow though. lol
Take some of your profits and put them into VTI/VXUS/BND and chill.
Do him a favor and tell him to fuck off and buy VTI.
VTI does buy as soon as 5 days. it is not very discriminating at all. all stocks is all stocks.
on the first day? absolutely nothing. not even VTI buys that fast the thread is full of people who have no idea what is going on. VTI is float-adjusted. https://www.reddit.com/r/Bogleheads/comments/1tj6vzf/vti_and_spacex/ we are talking about 0.1% here. if you are in VOO it will take 6 months for it to show up
QQQ will be over 1%, but others much less, because most others are float-adjusted VTI will happen as soon as 5 days, VOO will take at least 6 months.
VTI has been 5 days for a while
Manipulative? They are ETFs, its not like anyone gains by more people investing in them. Who is gaining from suggesting those funds? The manipulation is jamming three IPOs straight into indexes that will all three be among the top 15 publicly-traded companies in the world. DFA has 30-year history of tracking but slightly beating VTI. Avantis is a newer firm founded by DFAs former partners. It's not like I'm over here telling people to invest in shitcoins.
No, I think telling investor to ignore proven passive investing plays such as VT, VTI, and VOO just to avoid spaceX is manipulative. I’m not touching SpaceX directly, but I’m also not selling VOO to avoid it.
I agree, but "... VTI ... reinvest the dividends" is pretty good advice. But I'd add some ex-US exposure.
NVDA spanked me good today. Down 30k. Ima quit and put everything into VTI f this
With 4M and only needing 3k a month, her annual draw is under 1%. She has no risk of running out of money, so she does not need to take on commodity risk with PDBC or Nasdaq tech tilts. If she wants that 100k separate from the Edward Jones fees, just put it in VTI or VOO. Since she already has cash at Bank of America, she can open a Merrill Edge account for that 100k, buy VTI/VOO, and instantly qualify for Platinum Honors to get their credit card bonuses and banking perks.
Hookers and blow it is then! HYSA = high yield savings account. Not sure where they’re at now but can maybe get 4% interest so you’re keeping up with inflation. Index funds are just like investing in stocks but you buy one fund and it can have hundreds of different stocks. The thought is that it’s less risky and the market in general goes up over time so you basically just invest in the entire market rather than trying to pick winners and losers. A typical approach might be 70% VTI (US total market) and 30% VXUS (Intl market). A lot of people suggest increasing international contributions beyond 30% because the cycle is shifting and greater returns are anticipated in international stocks than US stocks in the coming years.
I bought more Berkshire Hathaway B yesterday. It's a newer position for me that I've been buying under $470. I tend to think the stock is working off the Warren B premium and it is a much better buy for a US equity position in my port than $VTI, $SPY, and $QQQ.
VTI or VXUS. I personally prefer VXUS.
Well, you may not have a choice. Vtsax, VTI are all including space x and anthropic into the index after 5 days of going public. It's a fucking scam, they changed the rules so that they'd only have to show profitability over 4 qharters or float more than 0.5% of shares and as a bonus, they are allowing insiders to sell their shares immediately. Check your investments, may need to make some changes if you don't have to end up getting the rug pulled form under you as well. They are trying to have retail investors deal with the "devaluation" of their stock which usually happens within the first year.
For that reason, VOO is a slightly safer option than VTI. VTI tracks the CRSP which announced changes to their inclusion criteria to benefit SpaceX. VOO tracks the S&P500 which has not announced plans to change its inclusion criteria. However there is a proposal to do so. The ramifications would be changing the inclusion timeline from 12 months to 6. Still shitty that they're considering it at all, but it's better than reducing it to only 15 days. DFUS basically is the same as VOO/VTI and it is not changing its inclusion criteria.
Are you saying private equity is going to be incorporated into index funds like VT, VTI, VXUS, etc.? That doesn't seem to be what is happening. I can pick the funds I'm invested in in my 401k. If they add a private equity fund, I'm not going to buy it. Tesla is dumb, but hopefully it becomes less of the index as soon as its valuation receives a long overdue reality check. SpaceX is also dumb, but they're starting at low float. So far, the problem doesn't seem to be a big one. I'm still getting good returns from index funds.
If I had $10k to lock in for 2–5 years and wanted growth without huge risk, I'd keep most of it in an ETF and sprinkle in a couple of tech companies. My top picks: 1. VTI or VOO – 50–60% of the portfolio. Owns the whole U.S. market or S&P 500, super low cost, and way less risky than picking individual stocks. 2. Microsoft – Best balance of growth and safety. Azure is also growing around 40% and AI is already a $37B run rate. 3. Alphabet – Search + YouTube are cash machines, and Cloud just grew 63%. Great choice. 4. Amazon – AWS is accelerating again at 28% growth and they're doubling down on AI. People love to go heavy on Nvidia, but it's way more volatile for a 2–5 year hold.
Weird ass mixed bet. I’d just stick with VTI if you’re gonna go SGOV.
SCHD or VTI or SCHX tickets are all Exchange Traded Funds, or ETFs. Let them sit, reinvest the dividends.
Only Nasdaq is artificially inflating the float. CRSP (VTI, VT, etc) got rid of their rule requiring 10% float to be included in index but is still going to do normal float adjustment.
VTI isn't changing any rules. It'll buy SpaceX after 5 days but it does that with every company.
I sold my house in June 2025 for 800k, and put all that into VTI+VXUS. That's +200k right there already. This run is crazy.
Look at the total performance. The link below is with the assumption that the dividends are reinvested at a 0% tax rate. https://schrts.co/bGpJgvXI There is some AI bubble effect in VTI in the recent year but in general, dividends have slightly underperformed for years, which is to be expected because dividend stock tend to be more established companies that are largely past the innovation phase. Stockcharts.com only lets free users see 5 years of history but if you dig around on other sites you can see the data. *How does this affect long term holders, that also get capital gains from the stock?* For the most part, a dividend is just a forced sale. That's why Berkshire does stock buybacks as a way to return money to shareholders. It's more or less the inverse of a dividend - the number of shares you have stays the same but the value goes up. The long term capital gains and qualified dividends tax rates are the same. If you don't *need* the money and are holding it in a post-tax account, it creates drag. But if you're DRIPing without taxes, your total value stays about the same, you just have a slightly more quality of shares as a slightly lower value than if they hadn't issued the dividend. And like I told someone else already today, if you're an amateur investor and think you've found a source of free money, you haven't.
For a 2–5 year horizon, I'd lean toward broad ETFs over individual stocks. Even great companies can disappoint over short periods, but a fund like VOO or VTI spreads that risk across hundreds of businesses. If picking individual names, I'd focus on companies with strong balance sheets, durable competitive advantages, and lots of cash flow—not just the hottest story of the moment.
Its a learning curve. I chased Penny stocks like kulr back in the day, the $171 of BMNR from $40. To 2 week calls to then single day calls. Now debit spreads and mixing an old etf strategy. Worse case scenario for a newbie. I would recommend buying etfs like BTCI and SPYI. Disable reinvesting or keep it if that's what you want. BTCI pays like .76 cents per share a month(fluctuates with bitcoin moves) or SPYI that gives a consistent .49 cents per share. Buy like 200 of SPYI and get paid like $100 a month. Your money is pretty much on the most safe place in medium investing. VTI and such are just top tier for someone that is looking for early income now.
I became a millionaire with my business and real estate before I even started investing stocks. After my home and real estate investments were paid off, I am using stocks to grow my wealth and accelerated my contributions. My kid will be wealthy from the real estate income and if he wants my business later, I do not think I could have made as much money as I have now from stock investing. I’m sure it’s possible, but I was never that good at picking stocks. I stick to mega caps, VTI, and QQQM now. 10% of my portfolio is in speculative stocks like Tesla and RKLB
if VOO or VTI are your baseline, QQQ is definitely high-risk. it has done incredibly well over the past 10 years, but that was at the cost of higher risk. i wish i had been in it.
Gonna give one of those non-ber tips that I'll say exactly one time. Buy Google tomorrow, especially if it dips harder. Quarterly ETF rebalancing is coming up EoM. This means the major market-weighted ETFs (SPY, QQQ, VOO, VTI, etc) have to buy and sell shares to make the ETFs reflect the new market caps. Last time this happened was in March, and Google's gained damn near a trillion dollars in market cap since then (Rank 4 at $3.6t -> Rank 2 at $4.5t). This means all of the ETFs are going to *have* to buy a fuckload of Google stock, starting around the third Friday of the month. Google knows this, which is why they're diluting now. Do the smart thing here, or dump your money into a dog-ass stock like SPCE, idfk
No stock is "safe". Certainly not individual companies. Your best bet with equities is a broad index like VTI.
Ok so you're fine with a company that loses 500 million a month with a p/e ratio of 100 being force fed to everyone on earth who holds VTI and QQQ ?
VTI after 5 days, QQQ after 15, VOO after 6 months as they are waiving the profitability requirement
VTI and chill vs. DELL/AMD and millionaire
[https://finance.yahoo.com/markets/stocks/articles/spacex-ipo-could-hit-popular-101500534.html?guccounter=1](https://finance.yahoo.com/markets/stocks/articles/spacex-ipo-could-hit-popular-101500534.html?guccounter=1) nope. This isn't about QQQ. CRSP changed its rules specifically so a company with only \~5% public float could qualify for inclusion in CRSP indexes after five trading days. Those are the indexes that power Vanguard's VTI and many retirement accounts. That's a lot different than "tech investors knowingly bought QQQ.
I would be delighted to have a portfolio as diversified as the SP500. At the moment just over 50% of my portfolio is a single stock that I bought back in the mid-1980s. There is not a huge improvement in diversification going from SP500 to a total US stock market index fund or ETF like VTI/ITOT/SCHB. That is because SP500 is 80 to 85% of the total US stock market capitalization. The next level is to add international stocks. The next level is to add fixed income securities. For many, further diversification means investing in real estate. Many diversify with commodities and previous metals. Then you start looking at alternative investments like venture capital funds, private equity or private debt funds, etc. I am moving towards simplicity so I no longer have any alternative investments,emts.
It’s such a small percentage in bogle indexes tho. Like SpaceX will be less than 2% of VTI holdings. I’m not gonna sweat that.
QQQ and VTI, adding a little bit to long term positions
To be up 700k in most stocks you have to be dumping a ton of money into it as well. Imagine dumping $5-10k into a stock right now based on some research. Would make me spew. Now imagine it being down to only $1k. When I make trades I take profit at $20-50 if it's up that week. For example I'm up $22 on HIMS. I set a Stop Limit to guarantee those profits. $20 a day is $100/week is an extra $5k for the year. But I'm happy with $4k extra. However, I'm up to my balls in SLS back when it was sub $3. It's my dumbest play so far but if I lose the $3k in it, I'm okay with that kind of loss. On the upside I'll take profits on the way up and dump into VTI. I can vouch for SLS more than I can some rockets.
VTI/VT is indexed based off of free float, not market cap. So if say SpaceX only IPO's with a free float of 5% and a market cap of 1 trillion, it would only have a 50 billion valuation as far as VTI is concerned. How free float is calculated is removing stuff like restricted shares or shares held by founders. So not zero exposure but not as bad as full market cap indexes.
Most people have no idea what a SPY is (much less that VTI is better) and just blindly dump 5-10% of their earnings into an institutional money managers hands each month. These money managers are desperate for places to park this obscene amount of money "safely" while still hitting target returns. It's also not their money, so if all the window dressings look good to cover their ass, it's good to go.
Yes, VT uses the exact same float-adjusted method as VTI, meaning your fund only buys based on the tiny fraction of shares actually available to the public rather than SpaceX's multi trillion dollar headline valuation, capping its actual weight in your portfolio at a microscopic fraction of a percent.
Sadly, no! Don't worry too much about it. Many of us holding any brand Total USA index mutual fund and Total USA ETF will get hit with SpaceX too in our top 10 holdings. Examples: VTI, ITOT, SCHB, FZROX, FKSAX, SWTSX, and VTSAX.
Don't have excessively overlapping funds. Have 1 core fund and 1+ complimentary fund(s). Things not to do: No VOO and VTI. Pick one, not both. They are both core funds. A revised portfolio for you: 70% VTI and 30% QQQ. QQQ is the complimentary fund to add additional growth.
Hello all, I am new to this group and generally new to investing as well. I am 32M that just opened my brokerage account and put about $500 in it. This all feels extremely overwhelming, specially seeing a lot a people 5-10 years younger than me having a ton of money in these accounts(props to you guys). My portfolio right now consists of ETFs; VOO, QQQ and VTI. I am aiming towards building a solid foundation. I am here to look for advice, sources of information, and really anything that can help me out. Thanks in advance!
I mean one index changed the rules. VTI or the total market indexes have always included new IPO companies rather quickly.
VTI tracks the CRSP US Total Stock Market Index. VT tracks the FTSE Global All Cap Index. Both CRSP and FTSE have already changed their rules. Vanguard doesn't necessarily have to have the same basket of equities but it's likely Vanguard follows to some degree to maintain the respective tracking errors.
VTI or VT. Not sure if there's been any announcements from Vanguard but if it does get added it'll be one of thousands of companies at a low weighting regardless.
VTI is whole (US) stock market, and VT is total world stock market. that will make SpaceX a smaller piece. but these "every single stock" funds are much less picky. they let in new entrants after 5 days, and have operated that way for years. if you switch now you will end up getting SpaceX sooner. VTV is a value based fund. if SpaceX is classified as "Growth" it will not be there. it is in either VTV or VUG. i expect them to follow the same rules as VOO since they are VOO split in two pieces, but i have not confirmed this. you may want to go to actively managed funds if you are trying to outsmart the market. or use options to offset the SpaceX and Tesla stock. buy a put and your downside is limited but it will pay off big if the stock drops.
No, but your investments cause the fund to buy stock in companies. Those shares come from somewhere and the seller gets your money in exchange for the share. So when the SpaceX owners sell their shares they are directly getting your money. Putting SpaceX into an index will require a lot of retirement funds to purchase shares. My issue is those shares will be overpriced based on on earnings. I have the same concerns about Tesla being in VT and VTI. But that’s what you get when you buy the index.
I have $7k in calls i bought last month and last week, all averaging around 0.30 - 0.60 each If we hit $20 this week, shit’s gonna be worth minimum $200k I also full ported my IRA on friday from $VTI into $SPCE Fk all you regards who doubted the OG 400 bagger guy who posted his DD two months ago I BELIEVED
For a broad market index fund like VTI, you can search on Reddit or do the math yourself. Based on the float, weight will be less than 0.1%.
It won't even approach 1% of VTI.
Right? Like get over it. It's one company. Example: at the expected market cap it'll be 0.07% to 0.3% of VTI. Hardly earth shattering 🤷♂️
So I’ve got 1000 shares of VOO and 1100 of VTI; would you ride this out or GTFO?
Can you describe what this says since it was deleted? I’ve been slowly shifting from VTI to DFUS, and have been playing around with rebalancing to larger mid-small cap positions as well as some momentum indexes that stock pick vs. include the full market. Still holding some VTI to see how it compared with DFUS through this drama.
Total market indexes (the ones most retirement accounts are invested in) allocate based on float adjusted market cap. Something like VTI will be allocating **0.06%** to SpaceX once it buys a week after listing because of the low float. A total nothingburger, even if SpaceX quickly goes bankrupt. It’s true that NASDAQ is doing weird stuff with QQQ, overweighting SpaceX above its float but the NASDAQ-100 is already considered a risky tech index so it’s not fair to compare what they are doing and imply the same risks exist for the rest of passive investing.
VTI has always had a 5 day rule. rich people have not found an infinite money glitch where they make a fake company and then indexes have to buy it and then indexes buying makes it go up so indexes have to buy it more. that is dumb.
VTI is float adjusted https://www.reddit.com/r/Bogleheads/comments/1tj6vzf/vti_and_spacex/
That's just false. VTI will include this but more than this, a lot of retirement accounts are actually "Large Cap" allocated not a specific
Yep, the vast majority of people are showing their financial ignorance by thinking that retirement accounts will be significantly affected by this. I’ve never encountered a 401k that defaults to QQQ equivalent instead of VOO or VTI. You have to go out of your way to invest in a Nasdaq index fund.
Look into a solo 401k since you're self employed, you can shelter way more than just the roth IRA limit each year. Also VTI already contains everything in VOO so you're basically double dipping there, I'd pick one or the other - your roth holdings look solid tho, SCHG and SCHD together cover a lot of ground
What % of VOO/SPY/VT/VTI/etc do you think SpaceX will be? Hint: an insignificant %
QQQ/QQQM will add in 15 days. VTI will add in 5 days. VOO/SPY will include in about 6 months instead of 1 year and will take away the profitability requirement. If you want a broad US market index fund that will not buy SpaceX at IPO you can get DFUS ETF. This is not investment advice or an endorsement. (Disclaimer: I’m invest 50% into VTI and 50% into DFUS for this exact reason).
Same as before the volatility: VTI + VXUS, roughly 70/30 domestic/international. Monthly DCA, don't touch it. The macro uncertainty is real but it's not an actionable signal. Every year there's a compelling narrative for why "this time is different" — trade wars, rate hikes, election risk, recession fears. The people who paused contributions during COVID dip in March 2020 missed the fastest 50% recovery in market history. The only meaningful change I've made: increased cash buffer from 3 months to 6 months expenses. Not because I expect job loss, but because it lets me not even think about the portfolio during down periods. That psychological buffer is underrated.
Could just buy VOO/VTI and track the market…
VTI / VXUS hold while continuing to add VXF to reduce big tech companies that overweight VTI.
If I could go back and give my 17 year old self advice it would be the following: Put the money into a low cost ETFs. Vanguard have some good options ($VOO, $VTI, $VGT, $VT), then add to it as you can. Will it make you a millionaire in 5-10 years? Nope. But it’s a much less stressful introduction to the stock market than jumping into individual stocks. It will help you understand how news, policy and earnings impact individual stocks that make up these funds. Once you’ve got the fundamentals in place you’ll have a much easier time investing into individual stocks if that something that still interests you down the line. At 17 you have plenty of time. Best of luck!
Put $1000 into VTI, $1000 into QQQ. And don't touch them again for 10 years.
$133 daily into VTI. Automatic payments
625 a month into my Roth IRA. VTI, VXUS 70/30
Equal weight index funds have higher fees, but allow for not being overly focused on tech. RSP for example is 0.2% vs VTI at 0.03%.
Thank you for sharing basically the only useful and actionable advice in this entire comment section. What do you mean by saying that SpaceX’s unusually small float is a game? Is it a gamble for them in some way? Also, will VTI and VOO definitely add SpaceX? Is there a way to find out for sure which index funds it will be added to, preferably in advance of them being added? Sorry these are such basic/beginner questions, I am very new to investing. I am looking, to the extent it is possible, to never hold SpaceX stock even in an index fund. Elon ruined the lives of many people I care about and derailed my career along the way, so I am willing to personally forego money and flexibility to not directly enrich him further. :(
You can just switch to s and p index, VOO ot VTI and then wait for a good pick.
> Nobody's getting to retire early by investing in VTI. Lol I'm 41. The performance of VTI (or whatever your favorite stand-in for US market) over the time span I've been employed has been absolutely tremendous. Someone around my age who has been steadily and seriously saving and investing this whole time can absolutely be in position for early retirement. Even if it's all just VTI.
Not gonna lie, Bitcoin bros have been shitting on the SPY/VTI crowd. I feel comfortable with 70% VTI/SPY, and 30% VTIAX (international) and just letting it roll. Most of the guys I know that talk about Bitcoin all the time have shit for brains and no future thought process behind the next year. (I am NOT saying this is you!).
VOO is driven by like 7 stocks, the rest is down double digits. I would go VTI/VXUS split maybe 70/30
VOO is all large caps, if you think some small caps will do better in the long run you can also put some in VTI which also has large caps but also small caps for broader exposure.
You absolutely cannot retire solely on VTI in 10 years. Are you high?
Nobody's getting to retire early by investing in VTI. Lol
VTI. As many dollars as you can manage every single year.
I see. Now it’s a matter of weither I want some protection doing VTI and vxus or just VTI for more return?
Alright you sophisticated group of well intentioned strangers, have at it. Below are my asset allocations and thesis for my positions. For context I am planning to run this strategy for 20 years before moving into a glide path for retirement. Asset Allocation 30% VTI (Broad US Market) 35% VXUS (Broad International) 15% AVUV (Avantis US Small-Cap Value) 15% AVDV (Avantis Int'l Small-Cap Value) 5% IBIT (iShares Bitcoin Trust) Thesis -S&P 500 Concentration & Valuation Risk: The S&P 500 is top-heavy and expensive, with the Shiller CAPE ratio sitting around 40x. The index is dominated by mega-cap tech names, making it vulnerable to a flat or negative decade if multiples compress. Keeping VTI at 30% maintains broad U.S. market exposure while cutting back on this specific top-heavy risk (and SPCX IPO). -Global Value and Profitability Overweight: Excluding crypto, the equity split is exactly 50/50 domestic and international. This setup captures the valuation discounts outside the U.S., where multiples are lower. Allocating 30% combined to AVUV and AVDV captures the size and value premiums, while Avantis's fundamental screens filter out unprofitable companies. This provides better immediate earnings yields in a higher-interest-rate environment. -Sized Crypto Allocation for Total Return: IBIT is set at a 5% target. Bitcoin's high volatility means a small allocation can noticeably drive overall returns during a major market cycle, but the position size is restricted so that a severe crypto drawdown won't derail the core portfolio. What do you think?
Exposure to international stocks protects you from a more US-led downturn/recession. For some people that extra protection is worth forgoing returns. Just as for people nearing retirement, they often move from higher-risk equities into lower-risk bonds. It's about safety vs returns. Diversification in general is all about protection. Think of it this way. Let's say you think the fast food industry is worth investing in. So you invest in Wendy's. If Wendy's releases some new menu item that completely blows their same store sales out of the water and they suddenly make great revenue and steal market share from the rest of the fast food industry, you win big. However if Wendy's has a major supply chain E. Coli outbreak and kills a few people and gets sued and a large number of people stop going to their restaurants, you lose big. However, if you instead invest in a fast food ETF (which doesn't exist, but EATZ is a dedicated restaurant/foodservice ETF according to google), you get exposure to the entire fast food industry. Wendy's, McD's, Burger King, Taco Bell, etc etc etc. Now you don't get the upside reward of a single company doing well, but you don't get the downside risk of a single company doing poorly either. Investing in VTI is basically investing in the entirety of US publicly-traded companies. That's spreading your risk across the entire US economy, insulating you from the effects of any single company failing.
Vanguard TDF invests 50% in Vanguard Total Stock Market Index Fund. VTI is just the ETF equivalent of the same fund. So that’s why I mentioned VTI. With your logic, no one can ever invest in a TDF because anything can change at any point in the future. For that matter, you can’t even invest in any index fund because technically the underlying index could change the rules at any time. You have to do your own direct indexing.