VTI
Vanguard Total Stock Market Index Fund ETF Shares
Mentions (24Hr)
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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?
Mentions
Most of my portfolio is VTI. But I also have $15k in VHT which is an overrepresentation of healthcare. Is it worth selling my $15k position in VHT, incur a taxable event, and put it in VXUS? Let’s just say my position in VTI is many times greater than $15k. Note this is NOT a tax advantaged account, it’s a regular brokerage account with Vanguard.
I know nothing about acorns but if your okay with investing it long term open a brokerage like fidelity, open a Roth IRA and max it out for the year. Think it's 7-7500 roughly. Then take that money and go buy VOO or QQQm. QQQm is a lower expense QQQ which is the nasdaq 100 VOO lower expense SPY or S&P 500 Or VTI this is the lowest risk lowest reward. Just keep contributing. If you want cash flow you can look into something like ULTY but this is way more risky as it's a bit unknown long term but you would get paid out roughly 126 a week off of 8k. I typed out a lot because there's a million in one ways to invest your money but it's a single player game and you have to decide what your own risk tolerance is, how much attention you wanna give it. But seriously Roth IRA, no taxes on capital gains ever and you can pull your own capital if you ever need to just not the gains your investment made. Any questions ask.
You might get a small tax benefit by using VTI+VXUS but then you have to rebalance annually. But honestly at that $$ it won’t really matter. Consider using an IRA or Roth IRA. Tax deferred accounts don’t pay any taxes on dividends.
I'd throw it all into QQQI and collect that 15% annual dividend. Then max our your retirement at work with 100% going into VTI or VOO.
buying QQQ is not investing, you’re betting on the technology sector continuing to outperform. There’s also no point in buying SCHD as it’s already in VOO, same for QQQ. Just buy VTI if you live in the US or VT for mor diversification
Well they're all passive, to the same extent, since they're all cap weighted and no one is manually managing them to chase wins. And given VT = VTI + VXUS, and in the optimal ratio, automatically rebalancing, and you suggested VT + VXUS...so....still, how? VT is always the 2nd best performer after VTI or VXUS...if you know which one forward looking at any point in time, you're a better man than me.
Well I think because VT is an even more passive choice over VTI, you're going to see less returns. You want to go VTI to take advantage of the top 500 companies and their growth potentials
VT will make you less profit in the long run. Better to run VTI + VXUS for international control
The is a lot of excitement about bitcoin but it is legal tender in only one country. you can barter with it but the other person may not accept it. The only way to make money with is is buying and selling. So rather than buying or mining it I would ratter by a fund like BTCI. This fund uses covered calls to convert price volatility into dividend cash payments to [you.it](http://you.it) aims for a yield of about 20%. Cash you can use to invest in other assets or cover living expenses Berkshire Hathaway is a good investment but its shares are expensive and it pays no dividend. With no dividend it is a tax efficient way store money Any since it is lightly traded the share price is very stable with a little bit in growth. There are many other companes out there that don't pay a dividend you could use to save money index funds like VOO and VTI are a common choice low tax way to saving money More volatile than BRK-B but still goo growth.SPYI is also a good covered call fund, it holds the S&P500 index but rights covered calls on the index produce a good dividend of 11%. Covered call funds are great way to make income if you have a good reliable fund. There are fund that produce much higher yield (in at least one 100% yield) But that very high yield comes with a lot of risk The risk associated with BTCI and SPYI is much lower I also prefer to not automatically reinvest the dividends for the funds. Instead I collect the cash and invest it in other dividend funds that don't use covered calls.
He seems to think it's like putting 45% into VXUS and 55% into VTI He'd be wrong but I can see the argument he might be thinking
SPY/VTI/QQQ until you know how to research stocks.
I don't understand your asset allocation. Why is there so much overlap? VTSAX and VTI are the same. Both contain VOO. Why not just have VOO and the desired weight of VOE, small cap, etc SCHF is contained entirely in VTIAX.
I don’t think there’s a reason not to go with global, market cap weighted unless you want to get deeper into the academic research (which can be fun for some people). Why US only? Why US large caps only? Those are questions you should comfortably have an answer to if you decide all VTI or VOO (honorable mention to SPLG for being a basis point cheaper than VOO).
Just throw it all in VOO or VTI.
I'd put 75% of it in index funds and keep playing with the rest. 70/20/10 split VTI/VXUS/SGOV
Yeah they asked me to invest for them. I’m younger so it’s easy to throw most of my investments into VOO/VTI but for them I figured that may be too risky. They could very well let it sit in money market but they seemed to want to invest it.
VBK has been lagging quite a bit and think it will outperform VOO in the next year. It’s showing an inverse head and shoulders (which just broke) and when the Fed starts decreasing rates, VBK will break out and catch up with VOO. Once it’s caught up, I’ll be selling it and all into VOO. VTI is a smart choice for those who want all large - mid - and small caps rolled into one, but I choose to neglect the middle child 😉
This is the way. Why not just VTI though?
I would personally take the time to set aside about 10% of that for mid cap stock picks or mid cap ETFs. Possibly international (Europe ETFs) then I would pick a couple speculative growth stocks to pick. I like SMR and OKLO for nuclear reactor growth personally, but there are many other areas that could have lots of growth. Then I would put another 10% into a defensive strategy. Consumer staples. Utilities. Healthcare, telecom, data center REIT. Maybe some bonds even though they're boring I would then just set up recurring purchases of VTI or VOO. I like VTI more right now. That's where I would put 80%
Idk most people don’t have that amount in a 401k so I’d put it in VTI and probably forget about it for 20 years.
> as simple as possible Open a vanguard personal investment account, buy VTI or any similar index fund with all $50k, then forget we ever had this conversation. As for the advisor, before you sign anything do this: upload their PdFs into chatgpt and ask to demonstrate to you which plan will make more money over a few decades. Good luck.
1. Build up a 3 month emergency fund. Put that into a high-yield savings account (should be paying ~4%) 2. Open a Roth IRA and try and fund that as much as possible. 3. Make sure you *at least* get your employer match via your 401K. That's literally free money. 4. Once you have the income to max out both your 401K and Roth IRA(and I realize this might take years to reach that point), then open a taxable brokerage account and fund/invest with that. 5. Keep costs low. I wouldn't buy an ETF with more than an 0.10% expense ratio. Stuff like VOO/VTI/VT/VXUS are amazing. (VT buys literally every publicly traded company on the planet and auto-adjusts, for only 0.06%!) 6. Never panic. If the market drops 10/20/30%, stay strong. Keep buying. 7. Automate as much as possible. Your 401K already is, but for your Roth/taxable, most brokerages offer automatic investing. I do this myself, every Monday I buy VOO and VXUS. 8. If you need some more help, look for 'The Money Guy Show' and 'Rob Berger' on YouTube.
Long term with 10k best option in my opinion is voo and VTI
Research index funds (VTI) and bitcoin. This sub is for degenerate gamblers.
This situation sucks and yes, you were very likely misled. You probably will never see that money again. As for those that say consult a lawyer, sure but don’t expect any heavy lifting from them for $7.5k total loss against a bankrupt co with owners who very likely have limited liability, as that’s basically small claims court level. I’d just take it as a lesson on risk and move on. No shame in sticking to those ‘boring’ ETFs - eg VOO, VTI
We never went all cash, but paused taxable brokerage investing from January through May to build up our cash position by another $40K so we would have more than a years worth of expenses. Now we are back to taxable brokerage investing. We usually buy VOO/VTI, but we started buying more BRK.B lately.
I have always had individual stocks. I’ve been in and out of a lot with no real major losses, but some major gains. My best all time have been SQ, NVDA, and NIO during Covid. Currently, I still have NVDA and will until something enormous happens. I also have MSFT, NBIS (new stock), PLTR, HOOD, and VRT. My only ETF is VTI with the majority, over 80%, being in that. My current plan is to sell 25% of an individual share once one has a 50% gain and shift it to VTI. That way I’m shaving some off while still playing with a little house money. This should happen soon with HOOD if it can hold and have another great day. Start an IRA and DCA into that each month as well. You don’t have to max it each year, but if you can then great. It has made a world of difference for me. I never had an ETF until last year, and I’ve been investing for 20+ years. Sounds wild but it worked out well for me. I’m not the greatest investor or stock picker but I got lucky on a couple that I had high conviction in. I didn’t chase speculative stocks. I may have dropped a few thousand on them but it was a very small chunk of my portfolio. Again, some worked, some didn’t. The events this year have made me a much more cautious investor. Once you hit a certain amount at a certain age, preservation becomes your ally.
This. I max out my annual retirement contribution along with employee 5% match. All of that goes into my safe retirement account, which currently is 50/50 allocated to large cap index fund and a target retirement date fund. It’s relatively safe and stable in the long term. Then I have my investment account, and that is 80% VTI and VXUS. The last 20% goes to individual stocks - mostly high risk, high reward stocks in AI/biotech.
I didn't go all cash. I went from about 3% cash to 15% cash, and have been diversifying my portfolio to hold more outside of North America. (Moved about 1/4 to VEU so far) Overall, from around the end of January (initial canada/Mexico tariffs) to now, the overall market is -1.4% (VTI), and my overall portfolio is almost identical at -1.5% (VEU is outperforming, but more cash from selling at a low in VTI) I sleep better and will continue to hold more cash than before.
I actually can honestly say what I did - nothing. I continued to buy a total market index fund (VTI) at my weekly rate, like I always do. The tariff drop could have gone another 50% down and I would have still been up from over 5 years ago. I've been slow, steady and consistent. It's beginning to pay off. For others curious (and you can do it too!) I'm 32 with more money than I ever thought I would have at one given time. This is all you need. Buy daily, weekly, monthly. Whatever. Just keep buying. Disregard the current share price - it will be higher in 20 years. I promise you.
So I’m a bit more on the play it safe side, but 75-80% of my non-retirement investing is in VTI and VXUS. The other 20% are spread across multiple AI, tech, and biotech stocks. I believe strongly in Nvidia, but they’re only 7% of my portfolio (10% if you include my exposure through VTI). Having that much in a single company is too risky to me.
I avoid anything that pays large dividends because there can be taxes on kid’s unearned income if it exceeds a certain amount. Currently $1350.00. I just put VTI in my son’s, might add some BRK.B
"Rich one day for sure" Buddy, if I didn't want to get rich quick I'd be dollar cost averaging into VOO/VTI and diversifying, not posting on WallStreetBets
Just put it in VOO or VTI or VT.
Pulled 275k for a bit of a gain. Put it all into SNSXX. Earning about a grand a month. Using that interest to build a 3 fund with 40/40/20 VGT/VTI/VIG along with any additional money from paychecks. Will start pulling 5k a week to put into those three funds as soon as the tariff pause ends 7/9
Just pay attention to your 1099 at the end of the year. You’re likely over thinking. VTI and chill. Buy weekly. Sell when you have something urgent to pay for. You’re doing great at your age!!
So much drama here, RSI pullback on SPY, super low volatility, expected. Market is healing. Maybe some of my VTI buy orders will hit soon enough 🤑
I'm not in cash, but early this year, *I moved a lot of money out of US equities* into non-US equities. In my retirement accounts (most of my wealth) **I went from 25% non-US stocks to 58% non-US stocks**. It's been the only major change I've ever made to retirement accounts in 20 years of investing. In my non-retirement accounts, I made smaller moves but purchased a few Europe-specific country ETFs (like EWG and EWI). I'm happy with that decision of course, because * US stocks (VTI) = +2% YTD * Non-US stocks (VXUS) = +17% YTD. * **European stocks (EZU) = +28% YTD**. If US economic policy recovers its sanity, I'll move some back. Or within a year or so, if no major recovery, start DCAing some back into the US.
Open a brokerage and Roth IRA at Vanguard. -$10k emergency fund + 20% projected down payment on the house in money market fund. -$7k into Roth IRA. -Split the remaining money (should be about $75k) between VTI and VTEB. I'd recommend 60% / 40% to start. Rebalance when these assets deviate by more than 5% points (or rebalance with new contributions).
My roth ira is pretty aggressive. 50% VTI 50% IBIT (bitcoin) Trying to catch up in the next 15 years~
It’s 60/40 stocks vs bonds so that’s more the classic risk/reward ratio since the late 1950s. It’s actually pretty good, just some duplication can be simplified; VB can be rolled up into VTI, VWO can be rolled up into VXUS and even VNQ is likely inside VTI already = so that gives 6 ETFs to track instead of 9, all while covering the same stocks.
That’s good to hear. This is similar to what I was thinking. VT is essentially VTI/VXUS. We have steady cash flow monthly throughout the year and no down season so 90k as an emergency is more than enough. Ty!
why not just hold a combo of VTI/VXUS ? Is it really THAT much harder to do two buys instead of 1? Also the foreign tax credit may be negligible, why take on a lot more risk of having a less diversified portfolio to save a few bucks? Is it really worth it
I started buying VTI in my Roth IRA at $221 per share. The lowest I’ve ever bought was $205 apparently. I now have 102 shares and my cost basis is $233 and the price is at $295 ish? If I had waited to buy at my original price or cost basis or lower, I wouldn’t have 102 shares and I wouldn’t have the gains that I do. If you believe it will keep going up, it shouldn’t matter.
Thanks, researching VOO & VTI. Thoughts on individual stocks such as Apple & PLANTIR Technologies. It sems the Fed gov is highly invested in them with probable growth.
Sorry I bought VTI. Literally the minute before it dropped
Pretty much my plan have a set amount to into voo and VTI then put the rest into big tech
Open an account with a real brokerage like fidelity or vanguard. Buy VOO or VTI for the first 10k on an automated process of whatever you can afford I.e buy monthly, weekly of whatever you can afford. If you’re relatively young, don’t keep up with the news and never sell this until you’re near retirement age. r/Bogleheads is a good place to start. Don’t touch options or any other instrument no matter how tempted you are, you will lose money.
+1 put your invest money on VTI/VOO and your gamble money on individual stocks and other riskier options.
I use Robinhood and the best thing you can do is join a bunch of stock related subs I like r/portfolios the most but best thing I would do is invest into VOO and VTI
I currently hold a tdf in my Roth and now I want to contribute excess money into a taxable brokerage. I chose the tdf because of simplicity and I would like to also have just one fund for my taxable brokerage. I like VT but from what I read I will be missing out on a potential foreign tax credit. Is it stupid to hold just VT for simplicity if it causes me to miss out on foreign tax credit? The other options I have are VOO and VTI but from what I read it is better to have some international. I am mid 30’s and won’t need the money I am putting in taxable for another 20-30 years.
I do this with my business excess funds. I keep $100k in Vanguard VMFXX (MM fund) and then excess gets invested in Bogle style VTI/VXUS portfolio.
Join r/portfolios aswell they will help a ton. But get an investing app like fidelity or Robinhood there are plenty so don’t be afraid to download a bunch and pick your favorite. I would highly recommend VOO and VTI as your base for ur portfolio also yahoo finance is the best website to learn and research stocks
I know it’s less sexy, but I’d look into r/Bogleheads They generally advocate for investing in low-cost index funds like VTI (U.S. stocks) and VXUS (international stocks), since it’s extremely difficult for most traders to consistently outperform the market. I’ve mostly adopted this approach myself, and it’s worked really well. I never feel upset about my performance because I know I’ll gain or lose in line with the market. It’s also simplified my investing process and saved me a lot of time by removing the need to research and monitor individual stocks.
Wheel Strategy or move to VTI/QQQM if volume is too low for options.
Put 190k into VTI or VOO. Hold 10k cash and wait for the next market drop of 5% in a single day. Like we had with deep seek and liberation day. Wait for the bottom which may take a couple days and then buy calls in MAG7 or similar companies at the strike price they were the day before the drop. Buy them 60 days or greater out and then wait for the rebound and sell no later then 7 days before expiring or whenever you make a good profit.
Please full port VTI and run away
Insurance companies (like Voya) are typically high fee when it comes to investments. Not a chance I'd be paying an extra anything for "professional" management. Especially when an index fund like VTI has an extremely high likelihood over the next 20-30 years of outperforming almost every single actively managed mutual fund based on history.
Something like 90 or 95% of the money should be in a couple index funds. VTI and VXUS work well. If you want to take 5% and put into crypto, ok. I'd personally suggest using IBIT as the ETF that tracks Bitcoin.
My general advice is to invest in low-fee index funds, such as VTI, VXUS, etc. You're welcome to get alternative or commodity assets as well, though I would constrain them to a modest part of your portfolio. IAU, for example, is a gold ETF. You could also consider bitcoin, which you can also purchase via ETF (or on coinbase, or self-custody). Generally though, a diversified portfolio of stock index funds is very hard to beat. Best of luck.
Those ideas you have are called speculation. This is a long the lines of just buying crypto or Pokemon cards and holding that. You should actually invest it. You know...buy some stocks. Do you think every single company in the US/World will fail or will they find a way to make money no matter what? If you believe companies will continue to make money, start buying VTI (USA stock) and VXUS (all stock except USA) in whatever ratio helps you sleep at night. If you think all companies will fail it doesn't matter what you do, you're cooked no matter what because your cash won't be able to buy anything.
In May, I saved 82% of my income. I'm a 23-year-old guy living at home. I typically save/invest around 75% of my income each month. I contribute 10% to my 401(k), with a 3% employer match. My Roth IRA will be maxed out in September since I put $800 a month into it. I also put $500 into a brokerage account and another $600 into a savings account for a down payment fund. Starting in September, I plan to increase my 401(k) contribution to 15%. I’m fortunate to live with my aunt. My only necessary expenses are insurance (auto and medical), phone bill, gas, groceries, toiletries, and other essentials. I own a Mustang that I paid for in cash. Also, I have no student loans or any other debt. My retirement accounts I automatically invest into every paycheck. My 401(k) is 60% Fidelity 500 Index (FXAIX) and 40% Fidelity International Index (FSPSX). My Roth IRA is 60% Vanguard Total Stock Market (VTI), 30% Schwab U.S. Large-Cap Growth ETF (SCHG), and 10% Vanguard Total International Stock Index. I am still working on getting to my target percentages for my brokerage. However, my targets for my brokerage are 50% Schwab U.S. Dividend Equity ETF (SCHD), 25% Vanguard International Dividend Appreciation Index (VIGI), 20–23% Alphabet Inc. (GOOG), and 2–5% Canadian National Railway Company (CNI).
just pick an ETF dude. VTI or similar.
No need for QQQ if you have VTI. Just do VTI/VXUS. Or VT.
I hate picking stocks vs leaving in ETFs bc there are 4 options and not playing is the only one that doesn't have a tinge of regret haha 1. Did Invest, Stock Goes Up = Wish I did more damnit 2. Did Invest, Stock Goes Down = Should've left it in SPY/VTI 3. Didn't Invest, Stock Goes Up = Wish I followed my gut 4. Didn't Invest, Stock Goes Down = Meh whatever.
Just invest in VTI if that's your leading indicator, you're gonna lose money
I don’t hold single stocks, just VTI. So whatever they buy I buy I guess. I don’t spend much time thinking about it.
Best comment : Dont! Real advice : use "the wheel strategy" on NIU since you have 100 shares. Do that for your fun. Bail out of everything else and just buy an index like VOO, QQQ or VTI.
Owning it physically is an apocalypse cult idea. You might as well Ron Swanson-style bury piles of gold around town. Owning stuff like IAU as a hedge for down market days is a great idea. I’m up about 12% when VTI has been +3% over the same period for me. People will continue to have fear and uncertainty as long as a horse is administering this hospital, and that means people-including the Ron Swanson lunatics- will continue to look to gold as a stabilizing force. I fully believe in betting on that fear.
I would have said none until I said enough is enough with PLTR. I appreciated the strong growth but it’s not something I want in my portfolio. That being said, I’m sure if I looked at everything owned by BRK or indexed in VTI it’d be worse.
Something like VOO/VTI coupled with SCHD isn't that bad
I invest into Nestlé through ETFs. I invest into both VTI, and VXUS. Ethics play little to no impact into my investments. I will not pretend that ethics play a role into my investing strategies. I think it is an interesting topic to talk about though. Something people think little about.
I currently hold VTI as my US index fund in my Roth, and I want to switch it to DFUS. To my understanding, since it's in a Roth, selling the VTI won't trigger a taxable event. Should I have any bid/ask spread concerns over buying a large amount of DFUS all at once? Ex: should I buy the DFUS shares 50 at a time? 100? 300? The 30-day median bid/ask spread on their site is 0.03%, avg share volume 400k, etc. etc. Not sure if this is the right sub, Bogleheads might be better, but I figured this is more of a technical question.
Fidelity SPAXX earns 3.94%. There are other funds that earn a bit more, but you do want 3 - 6 months worth of expenses in cash on hand for emergencies, car repairs etc. If you have more than 3 - 6 months worth of expenses on hand and lots of time before retirement VOO or VTI would be good. Don't panic sell if you investments go down. These funds are prefessionally managed and they do a better job than you or I. Make regular (monthly) investments no matter what. If your tax rate is high contribute to an IRA. If your tax rate is low contribute to a Roth IRA. If your employer has a 401K and offers a matching amount of money, contribute to that as well to the maximum your employer pays in. Don't turn down free money.
100% VTI and then check back in 30 years on Christmas morning
I personally would buy into VOO or VTI ETFs.
Fair play for stepping up - $500 is enough to learn, and $100/month keeps you in the game. For beginner-friendly YouTube, check out Ben Felix if you want straight no-hype long-term investing. He’s dry but solid. For high-risk/“fun” stuff, Tae Kim, Andrei Jikh or Ryan Scribner do entry-level takes, just don’t take their trades as gospel - they’re content guys, not prophets. And seriously, avoid anyone who yells “TO THE MOON” or posts Lambos. Stick with index funds for the boring half (VTI, S&P 500 stuff), and if you’re gonna gamble, treat it like actual gambling - cap your losses, don’t FOMO in and know when to walk. Better than blowing it all on Jägerbombs, anyway.
That seems like a lot of work for steady ("steady") income. Can you net more than just sitting in SPY or VTI?
So $1000 worth of VTI for every new born? https://preview.redd.it/5f6cji7tay5f1.png?width=1179&format=png&auto=webp&s=9d3f1b57219326d08e88712d5c856b9ceaa50bcc
Whatever I can. Part of my paycheck is direct deposited into my brokerage and gets invested in VTI on a preset schedule (buy VTI every two weeks for $x). The remaining paycheck is for expenses, mortgage etc. Between my and my wife, we review all accounts every two weeks. Every month or two, we sweep cash into our brokerage manually. Rinse and repeat. If say on an average we are saving 50% of our post-tax money in form of 401(k), HSA, ESPP, RSUs, and investments in taxable accounts.
Yes, i want to invest about 10k. Last week, i bout a couple shares of VOO and VTI.
DFAU is more like VTI, DFUS has a stronger tilt.
Thanks. It matches with what I have found so far, apart from DFAU which from what I understand has a very slight filter tilt and DFUS would be the closer equivalent to VTI, is that correct ? I'd already be covering factors for US with a 14% allocation to DFSV
HYSA's are 4% right and "safe"...but you also pay taxes on that. It's normal income tax so 22% so you are right back to where you started at 3% basically. Commercial real estate investment is an entire thing and tricky to learn, you could get lucky but it's pretty risky. If you have the cash to hold long term, investing in VTI (vanguard total index) will probably result in you coming out on top 90-95% of the time, be aware you could come out on the wrong side too. This is probably your best option as long as you can hold the risk everything else is probably a mistake imo.
Incoming SCDH, VOO, VTI fan boys. Lol
Start with a Roth IRA . Max it if you can ($6,500/year). low-cost index funds like VTI or VOO. don't touch it till retirement. for other savings, build an emergency fund first (3-6 months expenses) before going heavy on investments. When you start your engineering job, grab all the 401k match your employer offers. It's literally free money. Avoid individual stocks until you understand the market better. Time in market > timing the market. you're young that's your biggest advantage.
VTI is as safe as it gets with decent returns. Or a similar broad market index.
What would you like to accomplish with it? Growth: 50% VTI / 50% QQQ Income: JEPQ, earn around $900/month
You should learn more. Do you know what VTI is? Do you know why it tends to go up?
VTI is already one of the best passive investments available, assuming you don’t wanna touch individual stocks
I have a big percentage of it in VTI already, so this is good to hear! I just always wondered if there was something more outside the box to do that I should consider…but especially considering my experience level, I’m probably far better off staying as diversified as possible and just not monitoring it constantly.
For my taxable brokerage account Weekly $300 VTI $100 WM $50 Amzn $50 Walmart $50 JEPQ $50 BJ’s Wholesale $50 Goog Monthly $700 cash deposit 401k - 17% of my base salary whatever the max contribution with a 6% match Roth - I max it but I don’t put it in monthly. SEP IRA - I try to get another 7–10k in yearly HSA - Max monthly and I just invest with it
Do you qualify to put your money in a Roth IRA account? Vanguard has it so you can still invest your money in VOO or VTI.
1. $15k HYSA if don’t have an emergency fund 2. $5k BTC 3. $80k VTI