VTI
Vanguard Total Stock Market Index Fund ETF Shares
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23 F advice on my long term portfolio: VTI/QQQM/Costco
Is it ok to never have bonds if you start investing early?
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
Let's go! For most, the best investment route is to just purchase a S&P500 index fund/ETF and hold on (*while adding to it often and extra when markets are in a down-cycle). Vanguard's VOO and VFINX have low expense ratios % and are great choices! VTI / VTSMX are also good (total market) options.
I hit $100,000 in Broad Market Index Funds (mostly VOO and VTI) this Jan
I have about 10k on hand. Thinking 50% VTI or VT,30% VXUS, and rest 20% in stocks. Unsure about my ETF choices though
Target Date Funds (TDF) in Taxable Account for Money Needed in 4-5 Years?
What to do with $300,000 just sitting in my checking account?
Thoughts on 31yo investment portfolio - big pay raise next year and questions
100% stocks is not universally good advice. Stock market indexes are not always the right benchmark for your performance.
Is FZIPX same as AVUV? Looking for Low ER small cap ETF
I'm creating a portfolio for my brother, any thoughts?
Lost eBay Lego bid war, now have 1.3k, what stock to invest for coping
Where to invest 10k leveraged from CC cash advance (5% fee)?
As a non-US resident is it worth getting Ireland-domiciled ETFs?
3rd year of maxing out my roth ira. How do my allocations look
Limited International Fund Options in Employer’s 401K Plan?
Choosing spouses growth stocks for taxable account
Three things that will happen in the next 1-2 months. Willing to ban bet any of these if you are.
Okay Portfolio Going Into 2024? [23 YOLD Looking for long term investments]
Thinking about a higher growth portfolio for the new year.
30 year old. What's got the greatest possible potential for returns? TQQQ?
What is the quality of stock markets in other countries compared to US?
Searching for advice on F1 NRA brokerage accounts (Vanguard Vs. Schwab)
Started 529 account for child, invested in "NH Portfolio 2042 (Fidelity Index)"
With IRAs about to reset for 2014 what are you all planning to buy?
Portfollio allocation after move from edward jones
Do you ever buy stocks outside of the indexes and Mag 7 near all time highs?
Investing brokerage accounts for my kids and nieces - best course of action?
Investing advice for moving around 100k into ETFs
I've got $500K burning a hole in my pocket: should I bet it all on tech stocks?
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QQQ is not a good option. Its better to go with VTI or VT, it contains all of that and the rest of the market. VT contains the rest of the world. Why limit to just tech heavy nasdaq?
I'll probably be dead in ten years, but I'm still going all in on VTI for the options given. My nieces and nephews will enjoy the boosts to their college funds.
I would not split them evenly as then you are actively making bets overweighting sections of markets you probably don't even intend to. To keep it simple passive investing is a solved problem you buy the market with the lowest cost funds available. The two big decisions you need to make are your stock and bond mix and then your international allocation. VTI is essentially 3800 US companies its 99.8% of the US VXUS is the rest of the worlds stock markets (though not nearly as complete as VTI) All the stocks that makeup SCHG are in VTI by buying SCHG you are overweighting Large cap growth - will large cap growth overperform relative to the other companies from now until you retire? I have no earthly idea so I would keep it simple and stick to VTI and not complicate your portfolio with overlap. 60% VTI, 20% VXUS, 2.5% FLCH, 10% SGOV and 7.5% reserved for your individual industry ETF and company picks will set you up for a very successful future. Once your investments are of sufficient size you can decide to learn about investing and spend time researching individual companies and pouring over 10k's and trying to beat the market. Until then its a waste of time and a losing effort - just buy the market and let it compound.
80-90% of Wall Street (paid professionals who do nothing but stocks) do not beat VOO in a given year. Zero beat it reliably over a long timeline. The numbers for us normal folk are even worse. I’m just saying it’s far less effort for what will likely yield better returns. People who like to stock pick generally invest 90% into a VOO or VTI and then “play” with the last 10% to see if they can pick a winner. But lemme tell ya. They rarely do!
I would add VXUS and FLCH at a ratio of 9:1 for overseas exposure with a more properly representative chunk of china. And I'd remove Tesla, Palantir, microstrategy, and definitely QQI and roll it into VTI. You are buying such minute fractional shares that it is probably hurting you in the bid ask spread long term. Put your cash into SGOV and get some treasury yield to boot.
Target date fund or VTI and chill.
If we can only go off list VTI of course. VT would be my "sure thing". Heck maybe even small value AVUV
This is pretty good advice. Although I slightly disagree about VT as the US stock market historically does better and I have held both VT and FSKAX(VTI equivalent) and the US market has been substantially better. So I still like VT, but less allocation
Thanks chatgpt. Just VTI long term dumbass. No one gon read these paragraphs
Honestly this is probably the best advice here. When geopolitics gets messy, trying to time specific sectors usually backfires. Just DCA into VTI/VXUS and let the chips fall where they may (pun intended)
I’m not a professional asset allocator, but is your main goal for your kid? If so, I’d suggest doing some proper asset allocation For next year, I see big trends in nuclear and AI you could focus on those potential areas. For ETFs, something like VTI is good for broad coverage with lower risk I’ve done some DD on nuclear stocks if you want, I can send it your way
You know there's a middle ground between buying calls on a bunch of random companies and paying through the nose for an advisor's mutual funds, right? You can just buy VTI/VXUS yourself.
I’m a 26M and I want to start saving for a down payment for a house. I max out my 401k, HSA, and Roth IRA each year and historically have put the rest of my savings in a taxable brokerage account investing ETFS. I already have an emergency fund sitting in SGOV and VBIL. I’m my time horizon is 10 years, should I just put my cash for a down payment fully into SGOV:VBIL or split it between the treasury bill etfs and a total market index fund such as VTI? Thank you!
Personally I like having 5 to 10% cash on hand for buying opportunities, but the rest I keep invested. You are missing out on great returns if you are too fearful or if you try to time the market. It also depends on your time horizon. If you need it for a house down payment soon, then HYSA makes a lot of sense. Compounding interest does wonders. If you are risk averse, would suggest keeping it in ETFs and mutual funds like VOO (many will say VTI but it offers lower returns than VOO). If you have Fidelity, they have a tool that compares your risk appetite and time frame, and then it will provide you with a recommend allocation.
It depends, if I knew #5’s track record, I would consider it. I think there are a few that are really good but I have not met them Otherwise probably VTI
I would be fine to mix it up in funds like QQQ or VTI or IEFA(international) or VT (all world) I wish you best
Definitely not #5. That would be a waste of money. You didn't give us much context as to who is the recipient and what is their overall financial situation So of all the options you suggested, I would vote VTI but actually I would go with VT because it covers the whole world, and who knows what will happen in the next 10 years. Having said that, I would put 30k into VT and the remaining money into something else. Probably 5k bitcoin (it's a bit of a gamble but it might pay off), and 15k into VGT because long term it will likely outperform VT. Both VGT and VT hold NVDA. VGT has more of it (16% of its holdings).
I will say that my own answer would be VTI. Anything else seems like a gamble or a loss of opportunity- accept maybe the fiduciary assuming s/he is capable.
A CD is a guaranteed loss since the return is smaller than the rate of inflation. NVDA is a house of cards dependent on the success of the various data centers but could pay off big. Gold is a great store of value and protects your investment from losing value due to inflation but does not grow like stocks. Not really an “investment”. VTI is a total market index fund if i’m not mistaken and a safe bet to have your money move with the US stock market. You will not beat the market and if AI turns out to be a dud, you’ll be set back when that large correction in the market happens. Don’t pay for a money manager. They are there to leech off of you as much as possible. In conclusion I would not take any single option because that would not be diversification. I would combine gold, VTI, and NVDA. But if I had to pick one, the VTI option is what I would do.
Diversify. Some in tech stocks or some ETFs and then some portion in something like VTI or even BRK-B.
Of those options, VTI. Everything else is a bad idea.
Just go with VT instead of essentially mirroring it anyway. Use VTI and VXUS in taxable.
>What if the gambling pay off. Extensive research shows that it does not, in fact, pay off. >Surely some of my opinions does make just little bit of sense. Tiny bit ? They do. But they aren't opinions that people with more knowledge, better technology (algorithms), insider information, and who dedicate their every single waking moment to trading as a full time job in large quant shops don't already know.... and even they struggle to predict where the market is going. And remember the goal isn't to "make money" the goal is "make more money than buying VTI and doing nothing" which is surprisingly hard. Do yourself a favor and buy some books on investing before you YOLO and lose a bunch of money.
You think you're the first person to notice this factors and have a better sense of how these factors will affect the rest of the market than everyone else? Just VTI & chill.
I think you're kinda in the middle with this with that timeline. It's not quite long enough to go full risk, but not so short that you need to play it safe either. For individual stocks like RKLB, you don't want your down payment dropping 30% right when you're ready to buy. Maybe diversify that. Put some in VTI and or VOO, and 40 to 50% in a HYSA. Over 5 to 7 years, there's about a 10 to 15% chance the market is down when you actually need the money. With a house purchase, that timing matters. HYSAs are still paying decent returns. When you factor in the tax hit on short term gains and volatility, they look pretty reasonable for part of your savings. We built a comparison tool on our site (BankTruth) so you can check updated rates without hunting around. Rates can always rise or fall depending on the Fed. All in all, just don't put everything in one place when you've got a specific goal and timeline.
You’re in a great spot already. I’d keep 6 months of expenses in HYSA, then start a simple, boring DCA plan and stick to it. Something like VTI + VXUS (or just VT) is hard to beat long-term and keeps you from overthinking allocations. If you want to tilt later, do it small. the real win here is consistency and time, not getting fancy.
You don’t need to invest yet; you need an emergency fund. I’d find a high yield savings account for this cash and pile it in there. You need to have six months worth of savings before you can begin contemplating investing in the market. When you do, just chuck it all in VTI and call it a day.
* VTI: 40% * KMLM: 20% * DBMF: 20% * GLDM: 10% * TLT: 10% Gets close to S&P returns with 1/3 the drawdown. https://testfol.io/?s=5lit5gboz6a
60% us total market 40% international total market. You can do VTI+VXUS w/rebalance or VT set it forget it. If you want to try and beat market with somewhat decent odds. You can allocate some percentages to us growth, small cap value, emerging market. 5% each.
Isn't this apples and oranges? You don't know that FZROX will or will not underperform VTI (next 10 FZROX could be way better), but you DO know you save the expense ratio.
My point wasn't "it's only $50k difference so it doesn't matter". My point was "the difference in holdings between FZROX & VTI (something you don't control) will be a much bigger difference than 0.03% annually, so it's not a significant factor". For example, the difference in performance of FZROX & VTI just over the past year is 0.38% (more than 10 times the significance).
At your age, for a Roth IRA, the difference between ETFs and mutual funds isn’t that big. If you want to follow the Boglehead 3 fund, FZROX/FZILX is simpler and has no fees, but VTI/VXUS offers flexibility if you plan to move the account later.
It really doesn't matter, one is an ultra-low expense ratio and the other has zero expense ratio. To show you how little it matters, consider a $1,000,000 holding that grows on average 8% per year: * After 10 years, the FZROX holding (0% expense ratio) would be at around $2,159,000 while the VTI holding (0.03% expense ratio) would be at around $2,153,000. * After 25 years, the FZROX holding (0% expense ratio) would be at around $6,849,000 while the VTI holding (0.03% expense ratio) would be at around $6,801,000. * After 50 years, the FZROX holding (0% expense ratio) would be at around $46,902,000 while the VTI holding (0.03% expense ratio) would be at around $46,255,000. So, is there a difference? Technically yes. But the miniscule differences in holdings between the two funds will vastly outweigh the 0.03% difference.
So far fidelity is the only one I’ve found that has this. I set up a weekly dollar amount investment, split between VTI AVUV IXUS and DISV. You just specify the dollar amounts it auto buys whatever fractions that comes out to. Been using that for at least a couple years now.
You’re thinking about all the right things, but I’d be careful about adding complexity just because it sounds smart. VTI already has REIT exposure and you’re already getting EV and AI growth through the total market. Bonds don’t hurt, but they’re more about emotional stability than returns at your age. Before adding new investments, I’d honestly just fix the terrible HYSA situation. BankTruth makes it easy to see which ones are actually paying decent rates.
They clearly weren’t poised at all, lol. Are you actually thinking that the price per coin makes it easier for it to change in value since it’s “only” $.10?? Go look up the relationship between market cap and outstanding shares, and the effects of stock splits, but first sell everything and put it into a total market fund like VTI or VOO like people are telling you, cause you clearly have no idea what you’re doing.
>What would you say is the benefit of a covered call ETF then? The benefit is great if you are 65 and retired and need income every month. If you have spent 35 years building up a great portfolio of $1million (or whatever number applies to your situation) and you can coast and enjoy retirement and not check the stock market every day. Its a fine choice. But if you are 35 and investing $2000 a month - you need growth. (Not some silly income ETf designed for old people) Too many people see something good and think it's good for them - but sometimes what's good for others, might not be good for me. A very big part of investing is about realizing where you are in your journey, and does this process or this product or even this allocation fit your need ? I'm older than you but still 10-15 years from retirement (maybe more or less if my stock picks go well or poorly) (Im a baseball guy - love baseball so i modeled my portfolio around baseball how their organizations are setup if you see that below) I have several different "teams" - all with different purposes. 1 taxable brokerage - it holds my emergency fund (SPAXX and BOXX and SGOV) this helps with expenses and if I need to upgrade my home field I am ready. and it hold ETFs.(Not exactly part of my emergency fund but in that account - I only buy and hold ETFs. Mostly VOO + VTI + some international funds - but i Never sell.) That's growing money that i could access if I need it. But I don't plan to use it until later.... when I really, really need it.(Hopefully retirement when my income is a lot lower so tax burden will be less) 2 Roth IRA - its all individual stocks growth focused (i buy and swing trade in this account holding anywhere from 3 days to a year if the stock does well) + I call this the major league roster. Its my big holdings. I have 9 starters (biggest positions) all of those have stop losses set to lock in profits cause they already proved to be big winners. I also have a bunch of reserves(the bench) who are growing into positions to become a starter if one of those main 9 ever drops more than my rules allow. 3 Traditional IRA - a mix of some ETF & some individual stocks. ( I jokingly call it my minor leagues) - any stock on my watch list - i sell a share of an ETF and buy some shares of some watch list stocks. But in this account I keep a few shares of anything I think might eventually become a major league starter someday. 4 Rollover IRA from an old employer (its all ETFs - but its 25 different ETFs mostly momentum and sector ETFs i rebalance every week takes 10-15 minutes and it beat sp500 by 10% last year) - I keep track of all this shit in an excel document that automatically downloads the prices and price history as soon as I open the file. I am sure it sounds super complicated but I have major ADHD and I love it. Keeps me busy when my wife goes to bed early I can study all this shit for an hour or two and keep my mind going
Either one will work. FZROX / FZILX, VTI / VXUS, ITOT / IXUS (blackrock iShares), etc
>Initially I was leaning towards VTI/VXUS because ETFs are better for portability The Zero mutual funds would likely only add a market day or two to your move. That's so small I wouldn't worry about it. >and I like the ability to just sell during the day as opposed to waiting at the end of the day. For some people, that makes it more likely they commit a behavioral mistake. >However for FZROX/FZILX I learned that portability doesn’t matter as you can liquidate all the assets in a tax advantaged account before you move to another company. Correct. The performance difference between VTI/FZROX and VXUS/FZILX should be incredibly close to the point which is ahead may even trade places from time to time.
I don’t hate this at all. It’s simple, diversified, and not trying to be too clever. Just know that VTI already includes a lot of those stocks, so you’re kind of doubling down on tech, which is fine if you’re aware of it. The 10 percent auto investing is the real win here. And if you’re using a HYSA alongside this, I’d check BankTruth every now and then to make sure you’re getting a decent rate.
Excellent question. Historically there are multiple 10 year stretches where the ex NA stocks have outperformed the US. It's just that the US is a large percentage of the global market, has had a miraculous bull run (so far), and many consider it a safe bet. But you are technically making a "bet" on the US market. There are structural "concerns". [Here's a very poignant recap](https://youtu.be/1sV_3OvQyFI?si=oV7XyfG01Cc0QDND) of current concerns about the US market and potential long term growth trajectory. Whether you choose VTI or VOO, just know you're picking between the two most commonly traveled paths for passive investing.
I am sorry, but I don't see it. This might cause some volatility but i cannot see how you can predict a certain company like xom or cvx to be the big winners. If you picked someone like schlumberger - that makes more sense to me. But who knows? I have exposure to all of them through sp500/VTI etc. but for individual stocks I learned along time ago the oil industry is too hard to predict. I mostly avoid oil companies because I don't understand the underlying factors that cause the prices to fluctuate.
Just VTI and VXUS is fine
VEU doesnt have small caps, it's VOO for international. VXUS is VTI for international.
I think its good to be globally diversified even if it may reduce returns long term. A good international fund is AVDV, pairs well with VT, VOO or VTI
Take her out for dinner and when you get home before bed, you tell her that you want to tell her something important. So when she yells at you, you can still be safe when you cry about your failure. But my advice is, don't make the same mistake again. Stop your options and futures and day trades and switch to VTI and long term ETFs.
Promise yourself you’ll never sell until time horizon hits. Money only goes in, never out. I’d pick VTI and $BTC and follow this strategy
VOO or VTI. If your feeling a little bit more risky then QQQM and SCHG
Damn that's impressive savings at 22, you guys are killing it Honestly sounds like you're already on the right track with the Roth IRAs and index funds. I'd probably max those out first ($7k each for 2026) then throw most of the rest into a taxable brokerage with boring stuff like VTI/VXUS. Keep maybe 6 months expenses as emergency fund and you're golden The fact that you're asking means you won't gamble it away lol
Assuming you already have your emergency fund, start contributing to 401k and Roth IRA. Risk averse version would be a 60% stock / 40% bond mix, with stock portion being VTI or VT if you want to cover international. Good luck!
What I would first do is open an account at major brokerage fidelity, Schwab, vangard would be my top picks. then make sure you .have a money market account. with a decent interest rate. And then depoist the money in the money market account. At this point start tot use the money in the money market account to invest for dividends. a cash profit sharing payments to you. Similar to interest but you buy stock of the fund of your choice. The dividend are payed out quarterly or monthly and deposited into your money market account. A good dividend fund to start out with is QQQI 13% yield and it is a tax efficient fund meaning you pay less in taxes on the dividends you recieve. This fund with 100K in it would generate about 1K a month of income with this 1K a month of income you can keep some emergency cash in you money market account, or reinvest it back int QQQI or some other dividend fund there are many. Or you can invest in a growth fund.. Most growth funds only pay a dividend of about 1% so they are also tax efficient But instead of dividends growth index funds grow by share price appreciation. and you only pay taxes when you sell shares at a price higher than what you spent to acuare the stock. VTI is one commonly used growth index fund, but there are many of choices. The third thing you could do is to open a roth IRA IRA. Roth IRA are tax free retirment funds. you can depoist $7500 a year into it you could invest in QQQI and VTI in the roth. You cannot withdrawal it until age 60. But when you do withdrawal money it is tax free. Also andy buying and selling and dividends earned within this account is tax free.
Look at VTI's top holdings - there's no need for the individual stocks in my opinion.
It depends on your goals/portfolio strategy. VT is the whole world, but VXUS is the international market. I personally have VTI and VXUS to diversify my portfolio and because I believe in the US market + want international exposure. VOO grows slighly more than VTI because it kicks out the small/mid cap markets but I want those in my portfolio.
>I’m playing with around 2 grand and I invest 10 percent of every check into the account which is a HYSA HYSA is usually referring to a high yield savings account, which stocks are not… (though something like SGOV can function that way) I’d stick to just VTI/VXUS unless you’re looking for specific exposure not covered there (like precious metals)
Fixed the AAPL ticker. Why VOO over VTI?
not bad but why go all in on sp500 instead of diversifying more with an all world index fund like vt? Or ar least a VTI
yeah originally i was going with VTI and VXUS since that’s what i saw everyone saying, but figured just go with the Fidelity options since i’m on Fidelity (probably just the ocd kicking in) with bitcoin, i love bitcoin. wanted to have some sort of exposure, even if it’s a little.
VT. International outperformed last year. Why limit your investment to one country with a fund like VTI/VOO?
That's perfectly fine. Most people recommend VTI/VXUS because 1. it's cheap (FSKAX is cheaper, FTIHX is close enough) and 2. it's easy to move (in a Roth IRA you can sell and rebuy whatever you want if you leave Fidelity) Having Bitcoin is a personal preference but you are only doing 5% so go for it if you want.
I think risk tolerance is an interesting concept here. I understand it when you have invested into an individual stock that might crash and never recover. But I've never understood risk associated with an etf like VOO/VTI. The market will always come back since it's so diversified. I can't imagine panic selling VOO/VTI.
Thanks for everyone’s opinions. I decided to open a vanguard account and buy VTI on my own.
Start with buying and holding shares. Preferably index funds like VTI or VOO (or equivalents) or individual companies where you can explain their business model. You can work your way up to paper trading from there.
Oh I got you. I don’t think TTWO is a bad bet to invest in if you are looking for low volatility stock. I know with that statement I might get disagreement from some lol. If you aren’t looking for individual stocks, just put some in VTI or QQQM. If you are looking for individual stocks in gaming sector, there are some “undervalued” plays like NetEase and Tencent. I put that in quotes because these companies often trade at discounts due to geopolitical risk and Chinese government
I was only comparing VT to VOO/VTI, not to the well-diversified portfolio you described that includes international exposure and bonds. For example Vanguard recommends combining VTI and VXUS if you want flexibility. So splitting VT into separate ETFs is okay if you can manually manage international exposure.
My only gripe is that VTI is weighted. It’s already heavy in s&p. If you’re buying VOO, then you need VO, and some kind of small cap etf. VTI is nice for the set it and forget it investor, even VT in that case cause you get everything in one ETF. If you’re an investor that tracks and pays close attention, a modular approach can do better. All depends on the investor and what their goals are and how much time they want to put into paying attention to the market. I like pizza and tacos. lol.
Honestly this is like arguing whether pizza or tacos are better - you're gonna be fine either way lol Your approach with VTI + VXUS gives you more global diversification which isn't a bad idea, especially starting out
I have been doing nothing other than maxing a 401k and IRA every year 100% VTI since starting with zero in 2010. This October I hit a million bucks for the first time. 15 years to a million bucks just making regular contributions to the total US market. I will take that result any time.
VTI or VOO and chill my friend.
You're relying too much on historical data. Past performance doesn't guarantee future outcomes, so diversification is the only "free lunch". VT is better than VOO/VTI because it has comparable expense ratio but significantly better diversification.
lmao I had tried this once a long time ago, and broke ass dudes started lecturing me about how risky it was and how I should have just bought VTI
Having both a 401k and a Roth IRA at 31 already established is a strong foundation...platforms like Robinhood can be engaging but focusing the majority of investments on broad-market ETFs such as VOO or VTI is a much common strategy. for a smaller portion of the portfolio you can introduce individual stocks though they can introduce some risk buh may be acceptable at this stage. If you're without specific investments, ensuring diversification and low fees is generally better n by continuing to contribute consistently to these accounts can allow for long-term growth.
Im moving my port into nothing but VGT QQQ SMH and VTI and just gonna sell puts for extra cash. boring af but prob outperform 90% of sub.
VTI is a great ETF for slow, safe, growth but I am in the 4th quarter and playing a little catchup, here is my rationale for replacing VTI with SCHG. |**Feature**|**VTI (Total Market)**|**SCHG (Large Growth)**|**Goal Impact**| |:-|:-|:-|:-| |**# of Stocks**|\~3,700|\~230|**SCHG** is more focused on winners.| |**Top 10 Holdings**|\~27% of fund|\~60% of fund|**SCHG** bets bigger on the "Magnificent 7."| |**Dividend Yield**|\~1.3%|\~0.4%|**VTI** pays more income, but less growth.| |**Role**|Safety / Diversity|Pure Growth|**VTI** is too safe for a high return target.|
Love an investment thesis that start with ‘I can’t prove it but…’ I’ll buy up your VTI.
We really need to see the 2025 list and how it performed relative to VTI or some other index
Great point, the covered calls feel great now, but in a large downturn could be no fun. At some point I plan to end my JEPQ yearly investment, and go 100% VTI. But continue to let the JEPQ DRIP into bitcoin. And without too much detail, I simply believe in bitcoin long term. The world is becoming more digital and bitcoin is digital gold. It’s still young and volatile, but will stabilize as time goes on and has the potential to (continue to) be the greatest investment opportunity of the 21st century.
Sort of newbie here, for my long term investing I was putting $500/mo into VOO the past few years. My question is since VOO is now trading at $626, what is the consensus on continuing to do that vs. selecting another, lower cost index fund? Meaning, would it make more sense to start buying something like VT or VTI to get more shares in something else, or would it be smarter to keep buying VOO if it continues to get pricier?
That's fine in the sense that you're mostly putting contributions into something traditional and relatively safe (VTI). I'm dubious of covered call ETFs... I own some XYLD but I know it will be a disaster when the S&P crashes, so it's not really a good long term buy and hold investment. This is because those covered call positions take so long to recover and over the long term they don't do as well as straight equity positions. I think it's fine for people to play with bitcoin, but I personally don't believe in it as a buy and hold, which is what retirement accounts are mostly about. Why bitcoin and not gold?
In other words, VTI/VTSAX and chill
I didn't say 0 bonds until he's 50 - someone might have. But not me. But, I did say at 18 there's no reason to hold bonds. He should be buying and holding index funds like VOO and VTI and an international fund looking for long term growth.
Thanks for sharing. Taxes involving capital gains and losses are never simple and straightforward, so I did a double check using the AARP Tax Calculator, my go to site for taxes. I chose single with $150K of wage income. That was in the marginal 24% bracket and produced a tax liability of $25,067. I then input the $6,933 of losses, assuming they were short-term losses, and the taxes were $24,347, or $720 lower. That's roughly 11% of the losses, not 24%. The losses are limited to $3,000, and the rest can only be carried forward. I also changed it to be long-term losses, and the taxes were the same, and limited to $3K. Also, all of the 2025 sales would be likely to be short-term losses, because you invested in late 2024. Going forward, it's going to be a lot harder to generate short-term losses, as the holding period will exceed one year. That means most of the losses will likely offset long-term gains, which are taxed at 15%. But that is a guess, because this stuff is never straight forward. So the math says that as of now, you would have more money with VTI, and the taxes saved does not make up the difference...and you have a $3,933 loss carryforward that has to be used before any 2026 losses can be harvested. Hard to see it as a win right now. [AARP Tax Calculator ](https://www.aarp.org/money/taxes/1040-tax-calculator/)
nonsense question. so since you asked it, VTI
You could do the same with VTI honestly. I just personally believe everyone should start with the sp500. Buying into that weekly and not panic selling is the foundation where every other knowledge is built. If someone never progressed beyond VOO and chill, buy weekly, never panic sell, they would be fine in life. Anything that gets you to spend less and invest more auto = your friend. Anything that creates friction or obstacle to investing more auto = your enemy. Overthinking the asset allocation and portfolio strategy is an example of that friction in my opinion. Energy would be better spent increasing the weekly investment.
I do really love VTI and VXUS. It feels like the perfect blend of diversification while not being overly complicated. If one has a downturn, the other might pick up
What’s better about VOO as compared to VTI? To me it seems the same in terms of the rate. I know VOO is more focused on the top of the S&P though.
You're overthinking it. VTI and VXUS is already perfect for your age n don't start chasing sector bets like silver mining or trying to time bonds because you think a downturn is coming. Nobody knows what the market will do n at 24 you've got decades, just keep dumping into your current setup. Keep 6 months expenses in the HYSA as your emergency fund, everything else goes to VTI and VXUS n I know it's kinda boring..
It’s stupid to own it when you can just buy something like VGT and get untaxed growth. VZ will not really appreciate in stock value so you’re left with just the dividend. It’s taxable so you’ll end up needing to pay additional taxes on your return. I held it for about 8 years. In that time it barely increased in share price. I ended up selling it for a small loss. If I could do it again I wouldn’t have bought it and have just bought VTI. In addition their business is likely under threat from satellite constellation companies like StarLink and it’s a capex heavy industry with significant hardware and spectrum costs.
VTI tracks the whole market while VOO is just the S&P 500 like you said. VOO and SPY are basically the same thing but VOO has lower fees so most people go with that. Can't really go wrong with any of the big ones tbh
Robinhood is leasing the industry in creating new products and usually works with lower limit than the big boys. And they have a product offering that will grow as the account grows. At 18, just keep it simple to start like VTI for at least 80-100%.
You're 18 - forget about bonds as you have a long horizon. Throw everything you have now at VTI/VOO, and keep doing it consistently (this is the MOST IMPORTANT part. Go enjoy your young years and thank yourself later.
Trading on margin is dangerous. Slow and steady wins the race. VOO/ VTI will earn more over time.